Document:

Unassociated Document

     

    

      GS
        MORTGAGE SECURITIES CORP.,

      Depositor,

       

      WELLS
        FARGO BANK, NATIONAL ASSOCIATION,

      Master
        Servicer,

       

      OCWEN
        LOAN SERVICING, LLC,

      Servicer,

       

      AVELO
        MORTGAGE, L.L.C.,

      Servicer,

       

      SPECIALIZED
        LOAN SERVICING LLC,

      Servicer,
        

       

      DEUTSCHE
        BANK NATIONAL TRUST COMPANY,

      Trustee
        and Supplemental Interest Trust Trustee,

       

      and

       

      U.S.
        BANK
        NATIONAL ASSOCIATION,

      Custodian

       

      _____________________________________________

       

      POOLING
        AND SERVICING AGREEMENT

       

      Dated
        as
        of February 1, 2007

       

      _____________________________________________

       

      GSAA
        HOME
        EQUITY TRUST 2007-S1

       

      MORTGAGE
        PASS-THROUGH CERTIFICATES,

       

      SERIES
        2007-S1

       

      

       

      

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

      TABLE
        OF
        CONTENTS

      

      
        	
                ARTICLE
                  I

                DEFINITIONS

                 

              
	
                Section
                  1.01

              	
                Definitions

                 

              
	
                ARTICLE
                  II

                CONVEYANCE
                  OF MORTGAGE LOANS; REPRESENTATIONS AND WARRANTIES

                 

              
	
                Section
                  2.01

              	
                Conveyance
                  of Mortgage Loans

              
	
                Section
                  2.02

              	
                Acceptance
                  by the Trustee and the Custodian of the Mortgage Loans

              
	
                Section
                  2.03

              	
                Representations,
                  Warranties and Covenants of the Servicers and the
                  Custodian

              
	
                Section
                  2.04

              	
                [Reserved].

              
	
                Section
                  2.05

              	
                Execution
                  and Delivery of Certificates

              
	
                Section
                  2.06

              	
                REMIC
                  Matters

              
	
                Section
                  2.07

              	
                Representations
                  and Warranties of the Depositor

              
	
                Section
                  2.08

              	
                Enforcement
                  of Purchaser and Responsible Party Obligations.

              
	
                Section
                  2.09

              	
                Purposes
                  and Powers of the Trust

                 

              
	
                ARTICLE
                  III

                ADMINISTRATION
                  AND SERVICING OF MORTGAGE LOANS

                 

              
	
                Section
                  3.01

              	
                Servicers
                  to Service Mortgage Loans

              
	
                Section
                  3.02

              	
                Subservicing
                  Agreements between the Related Servicer and
                  Subservicers.

              
	
                Section
                  3.03

              	
                Successor
                  Subservicers

              
	
                Section
                  3.04

              	
                Liability
                  of the Servicer

              
	
                Section
                  3.05

              	
                No
                  Contractual Relationship between Subservicers, the Trustee and
                  the Master
                  Servicer

              
	
                Section
                  3.06

              	
                Assumption
                  or Termination of Subservicing Agreements by the Master
                  Servicer

              
	
                Section
                  3.07

              	
                Collection
                  of Certain Mortgage Loan Payments

              
	
                Section
                  3.08

              	
                Subservicing
                  Accounts

              
	
                Section
                  3.09

              	
                [Reserved].

              
	
                Section
                  3.10

              	
                Collection
                  Accounts.

              
	
                Section
                  3.11

              	
                Withdrawals
                  from the Collection Account

              
	
                Section
                  3.12

              	
                Investment
                  of Funds in the Collection Account, Master Servicer Collection
                  Account and
                  the Distribution Account.

              
	
                Section
                  3.13

              	
                Maintenance
                  of Hazard Insurance, Errors and Omissions and Fidelity
                  Coverage

              
	
                Section
                  3.14

              	
                Enforcement
                  of Due-on-Sale Clauses; Assumption Agreements

              
	
                Section
                  3.15

              	
                Realization
                  upon Defaulted Mortgage Loans

              
	
                Section
                  3.16

              	
                Release
                  of Mortgage Files

              
	
                Section
                  3.17

              	
                Title,
                  Conservation and Disposition of REO Property.

              
	
                Section
                  3.18

              	
                [Reserved].

              
	
                Section
                  3.19

              	
                Access
                  to Certain Documentation and Information Regarding the Mortgage
                  Loans

              
	
                Section
                  3.20

              	
                Documents,
                  Records and Funds in Possession of the Servicers to Be Held for
                  the
                  Trustee

              
	
                Section
                  3.21

              	
                Servicing
                  Compensation.

              
	
                Section
                  3.22

              	
                Annual
                  Statement as to Compliance

              
	
                Section
                  3.23

              	
                Assessments
                  of Compliance and Attestation Reports

              
	
                Section
                  3.24

              	
                [Reserved.]

              
	
                Section
                  3.25

              	
                Compensating
                  Interest

              
	
                Section
                  3.26

              	
                Credit
                  Reporting; Gramm-Leach-Bliley Act

              
	
                Section
                  3.27

              	
                Excess
                  Reserve Fund Accounts; Distribution Accounts

              
	
                Section
                  3.28

              	
                Optional
                  Purchase of Delinquent Mortgage Loans

              
	
                Section
                  3.29

              	
                Master
                  Servicer to Act as Servicer

              
	
                Section
                  3.30

              	
                Transfer
                  of Servicing for Certain Mortgage Loans.

                 

              
	
                ARTICLE
                  IV

                DISTRIBUTIONS
                  AND ADVANCES BY THE SERVICERS

                 

              
	
                Section
                  4.01

              	
                Advances

              
	
                Section
                  4.02

              	
                Priorities
                  of Distribution

              
	
                Section
                  4.03

              	
                [Reserved].

              
	
                Section
                  4.04

              	
                Monthly
                  Statements

              
	
                Section
                  4.05

              	
                Certain
                  Matters Relating to the Determination of LIBOR

              
	
                Section
                  4.06

              	
                Allocation
                  of Realized Losses

              
	
                Section
                  4.07

              	
                Distributions
                  on the REMIC Regular Interests.

              
	
                Section
                  4.08

              	
                Supplemental
                  Interest Trust

              
	
                Section
                  4.09

              	
                Tax
                  Treatment of Swap Payments and Swap Termination Payments.

                 

              
	
                ARTICLE
                  V

                THE
                  CERTIFICATES

                 

              
	
                Section
                  5.01

              	
                The
                  Certificates

              
	
                Section
                  5.02

              	
                Certificate
                  Register; Registration of Transfer and Exchange of
                  Certificates

              
	
                Section
                  5.03

              	
                Mutilated,
                  Destroyed, Lost or Stolen Certificates

              
	
                Section
                  5.04

              	
                Persons
                  Deemed Owners

              
	
                Section
                  5.05

              	
                Access
                  to List of Certificateholders’ Names and Addresses

              
	
                Section
                  5.06

              	
                Maintenance
                  of Office or Agency

                 

              
	
                ARTICLE
                  VI

                THE
                  DEPOSITOR AND THE SERVICERS

                 

              
	
                Section
                  6.01

              	
                Respective
                  Liabilities of the Depositor and the Servicers

              
	
                Section
                  6.02

              	
                Merger
                  or Consolidation of the Depositor or the Servicers

              
	
                Section
                  6.03

              	
                Limitation
                  on Liability of the Depositor, the Servicers and Others

              
	
                Section
                  6.04

              	
                Limitation
                  on Resignation of the Related Servicer

              
	
                Section
                  6.05

              	
                Additional
                  Indemnification by the Servicers; Third Party Claims.

                 

              
	
                ARTICLE
                  VII

                DEFAULT

                 

              
	
                Section
                  7.01

              	
                Events
                  of Default

              
	
                Section
                  7.02

              	
                Master
                  Servicer to Act; Appointment of Successor Servicer

              
	
                Section
                  7.03

              	
                Notification
                  to Certificateholders

                 

              
	
                ARTICLE
                  VIII

                CONCERNING
                  THE TRUSTEE

                 

              
	
                Section
                  8.01

              	
                Duties
                  of the Trustee

              
	
                Section
                  8.02

              	
                Certain
                  Matters Affecting the Trustee and the Custodian

              
	
                Section
                  8.03

              	
                Trustee
                  Not Liable for Certificates or Mortgage Loans

              
	
                Section
                  8.04

              	
                Trustee
                  May Own Certificates

              
	
                Section
                  8.05

              	
                Trustee’s
                  Fees and Expenses

              
	
                Section
                  8.06

              	
                Eligibility
                  Requirements for the Trustee

              
	
                Section
                  8.07

              	
                Resignation
                  and Removal of the Trustee

              
	
                Section
                  8.08

              	
                Successor
                  Trustee

              
	
                Section
                  8.09

              	
                Merger
                  or Consolidation of the Trustee

              
	
                Section
                  8.10

              	
                Appointment
                  of Co-Trustee or Separate Trustee

              
	
                Section
                  8.11

              	
                Tax
                  Matters

              
	
                Section
                  8.12

              	
                Periodic
                  Filings

              
	
                Section
                  8.13

              	
                Tax
                  Classification of the Excess Reserve Fund Account

              
	
                Section
                  8.14

              	
                Custodian
                  Responsibilities.

              
	
                Section
                  8.15

              	
                Limitations
                  on Custodial Responsibilities.

              
	
                Section
                  8.16

              	
                Claims
                  on the Policy; Policy Payments Account.

                 

              
	
                ARTICLE
                  IX

                ADMINISTRATION
                  OF THE MORTGAGE LOANS BY THE MASTER SERVICER

                 

              
	
                Section
                  9.01

              	
                Duties
                  of the Master Servicer; Enforcement of Servicers’
                  Obligations

              
	
                Section
                  9.02

              	
                Maintenance
                  of Fidelity Bond and Errors and Omissions Insurance

              
	
                Section
                  9.03

              	
                Representations
                  and Warranties of the Master Servicer

              
	
                Section
                  9.04

              	
                Master
                  Servicer Events of Default

              
	
                Section
                  9.05

              	
                Waiver
                  of Default

              
	
                Section
                  9.06

              	
                Successor
                  to the Master Servicer

              
	
                Section
                  9.07

              	
                Compensation
                  of the Master Servicer

              
	
                Section
                  9.08

              	
                Merger
                  or Consolidation

              
	
                Section
                  9.09

              	
                Resignation
                  of the Master Servicer

              
	
                Section
                  9.10

              	
                Assignment
                  or Delegation of Duties by the Master Servicer

              
	
                Section
                  9.11

              	
                Limitation
                  on Liability of the Master Servicer

              
	
                Section
                  9.12

              	
                Master
                  Servicer Collection Account.

              
	
                Section
                  9.13

              	
                Permitted
                  Withdrawals From the Master Servicer Collection
                  Account.

              
	
                Section
                  9.14

              	
                Indemnification;
                  Third Party Claims

                 

              
	
                ARTICLE
                  X

                TERMINATION

                 

              
	
                Section
                  10.01

              	
                Termination
                  upon Liquidation or Purchase of the Related Mortgage
                  Loans

              
	
                Section
                  10.02

              	
                Final
                  Distribution on the Certificates

              
	
                Section
                  10.03

              	
                Additional
                  Termination Requirements

                 

              
	
                ARTICLE
                  XI

                MISCELLANEOUS
                  PROVISIONS

                 

              
	
                Section
                  11.01

              	
                Amendment

              
	
                Section
                  11.02

              	
                Recordation
                  of Agreement; Counterparts

              
	
                Section
                  11.03

              	
                Governing
                  Law

              
	
                Section
                  11.04

              	
                Intention
                  of Parties

              
	
                Section
                  11.05

              	
                Notices

              
	
                Section
                  11.06

              	
                Severability
                  of Provisions

              
	
                Section
                  11.07

              	
                Assignment;
                  Sales; Advance Facilities.

              
	
                Section
                  11.08

              	
                Limitation
                  on Rights of Certificateholders

              
	
                Section
                  11.09

              	
                Inspection
                  and Audit Rights

              
	
                Section
                  11.10

              	
                Certificates
                  Nonassessable and Fully Paid

              
	
                Section
                  11.11

              	
                [Reserved].

              
	
                Section
                  11.12

              	
                Waiver
                  of Jury Trial

              
	
                Section
                  11.13

              	
                Limitation
                  of Damages

              
	
                Section
                  11.14

              	
                Third
                  Party Rights

              
	
                Section
                  11.15

              	
                No
                  Solicitation

              
	
                Section
                  11.16

              	
                Regulation
                  AB Compliance; Intent of the Parties; Reasonableness

              
	 	 
	 	 
	
                SCHEDULES

                 

              	 
	
                Schedule
                  I

              	
                Mortgage
                  Loan Schedule

              
	
                Schedule
                  II-A

              	
                Representations
                  and Warranties of Ocwen, as a Servicer

              
	
                Schedule
                  II-B

              	
                Representations
                  and Warranties of Avelo, as a Servicer

              
	
                Schedule
                  II-C

              	
                Representations
                  and Warranties of SLS, as a Servicer

              
	
                Schedule
                  II-D 

              	
                Representations
                  and Warranties of U.S. Bank National Association, as
                  Custodian

              
	
                Schedule
                  III

              	
                Class
                  A-IO Notional Amounts

                 

                 

              
	
                EXHIBITS

              	
                 

                 

              
	
                Exhibit
                  A-1

              	
                Form of
                  Class A Certificates

              
	
                Exhibit
                  B

              	
                Form of
                  Class P Certificate

              
	
                Exhibit
                  C

              	
                Form of
                  Class R Certificate

              
	
                Exhibit
                  D-1

              	
                Form of
                  Class X Certificate

              
	
                Exhibit
                  D-2

              	
                Form
                  of Class X-1 Certificate

              
	
                Exhibit
                  E-1

              	
                Form of
                  Initial Certification of Trustee

              
	
                Exhibit
                  E-2

              	
                Form of
                  Initial Certification of Custodian

              
	
                Exhibit
                  F-1

              	
                Form of
                  Document Certification and Exception Report of Trustee

              
	
                Exhibit
                  F-2

              	
                Form of
                  Document Certification and Exception Report of
                  Custodian

              
	
                Exhibit
                  G

              	
                Form of
                  Residual Transfer Affidavit

              
	
                Exhibit
                  H

              	
                Form of
                  Transferor Certificate

              
	
                Exhibit
                  I-1

              	
                Form of
                  Rule 144A Letter

              
	
                Exhibit
                  I-2

              	
                Form
                  of Investment Letter (Non Rule 144A)

              
	
                Exhibit
                  J

              	
                Form of
                  Request for Release

              
	
                Exhibit
                  K

              	
                Contents
                  of Each Mortgage File

              
	
                Exhibit
                  L

              	
                [Reserved]

              
	
                Exhibit
                  M

              	
                Form
                  of Certification to be provided with Form 10-K

              
	
                Exhibit
                  N

              	
                Form
                  of Trustee Certification to be provided to Depositor

              
	
                Exhibit
                  O-1

              	
                Form
                  of Servicer Certification to be provided to Depositor

              
	
                Exhibit
                  O-2

              	
                Form
                  of Master Servicer Certification to be provided to
                  Depositor

              
	
                Exhibit
                  P

              	
                Form
                  of Power of Attorney

              
	
                Exhibit
                  Q-1

              	
                M&T
                  Agreements

              
	
                Exhibit
                  Q-2

              	
                GreenPoint
                  Agreements

              
	
                Exhibit
                  Q-3

              	
                Irwin
                  Agreements

              
	
                Exhibit
                  Q-4

              	
                Impac
                  Agreements

              
	
                Exhibit
                  Q-5

              	
                Accredited
                  Agreements

              
	
                Exhibit
                  Q-6

              	
                New
                  Century Agreements

              
	
                Exhibit
                  R

              	
                Servicing
                  Criteria to be Addressed in Assessment of Compliance

              
	
                Exhibit
                  S

              	
                Form
                  10-D, Form 8-K and Form 10-K Reporting Responsibility

              
	
                Exhibit
                  T

              	
                Interest
                  Rate Swap Agreement

              
	
                Exhibit
                  U

              	
                Representations
                  and Warranties Agreement

              
	
                Exhibit
                  V

              	
                Form
                  of Additional Disclosure Notification

              
	
                Exhibit
                  W

              	
                Financial
                  Guaranty Insurance Policy

              

      

      

       

      

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

       

      

      THIS
        POOLING AND SERVICING AGREEMENT, dated as of February 1, 2007, is among GS
        MORTGAGE SECURITIES CORP., a Delaware corporation (the “Depositor”), WELLS FARGO
        BANK, NATIONAL ASSOCIATION, a national banking association, as master servicer
        (the “Master Servicer”), OCWEN LOAN SERVICING, LLC, a Delaware limited liability
        company, as a servicer of certain Mortgage Loans (“Ocwen”), AVELO MORTGAGE,
        L.L.C., a Delaware limited liability company, as a servicer of certain Mortgage
        Loans (“Avelo”), SPECIALIZED LOAN SERVICING LLC, a Delaware limited liability
        company, as a servicer of certain Mortgage Loans (“SLS” and, together with Ocwen
        and Avelo, the “Servicers”), DEUTSCHE BANK NATIONAL TRUST COMPANY, a national
        banking association, as trustee (the “Trustee”) and as supplemental interest
        trust trustee (the “Supplemental Interest Trust Trustee”) and U.S. BANK NATIONAL
        ASSOCIATION, a national banking association, as custodian with respect to
        certain Mortgage Loans (the “Custodian”).

       

      W
        I T
        N E S S E T H:

       

      In
        consideration of the mutual agreements herein contained, the parties hereto
        agree as follows:

       

      PRELIMINARY
        STATEMENT

       

      The
        Depositor intends to sell pass-through certificates to be issued hereunder
        in
        multiple classes, which in the aggregate will evidence the entire beneficial
        ownership interest of the Trust Fund created hereunder. The Trust Fund will
        consist of a pool of assets comprised of the Mortgage Loans and certain other
        related assets subject to this Agreement.

       

      REMIC
        I

       

      As
        provided herein, the Trustee will elect to treat the segregated pool of assets
        consisting of the Mortgage Loans and certain other related assets subject
        to
        this Agreement (other than the related Prepayment Premiums, the Interest
        Rate
        Swap Agreement, the Supplemental Interest Trust, the Supplemental Interest
        Trust
        Account and the Excess Reserve Fund Account) as a REMIC for federal income
        tax
        purposes, and such segregated pool of assets will be designated as “REMIC I”.
        The Class R-1 Interest will be the sole class of “residual interests” in REMIC I
        for purposes of the REMIC Provisions (as defined herein). The following table
        irrevocably sets forth the designation, the REMIC I Remittance Rate, the
        initial
        Uncertificated Balance and, for purposes of satisfying Treasury regulation
        Section 1.860G-1(a)(4)(iii), the “latest possible maturity date” for each
        of the REMIC I Regular Interests (as defined herein). None of the REMIC I
        Regular Interests will be certificated.

       

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

      

       

      
        	
                Designation

              	 	
                REMIC
                  I Remittance Rate

              	 	
                Initial
                  Uncertificated Balance

              	 	
                Latest
                  Possible Maturity Date (1)

              
	
                I

              	 	
                Variable(2)

              	 	
                $

              	
                  22,047,782.32
                  

              	 	
                February
                  25, 2037

              
	
                I-1-A

              	 	
                Variable(2)

              	 	
                $

              	
                  4,288,317.00
                  

              	 	
                February
                  25, 2037

              
	
                I-1-B

              	 	
                Variable(2)

              	 	
                $

              	
                  4,288,317.00
                  

              	 	
                February
                  25, 2037

              
	
                I-2-A

              	 	
                Variable(2)

              	 	
                $

              	
                  4,530,621.00
                  

              	 	
                February
                  25, 2037

              
	
                I-2-B

              	 	
                Variable(2)

              	 	
                $

              	
                  4,530,621.00
                  

              	 	
                February
                  25, 2037

              
	
                I-3-A

              	 	
                Variable(2)

              	 	
                $

              	
                  4,752,994.50
                  

              	 	
                February
                  25, 2037

              
	
                I-3-B

              	 	
                Variable(2)

              	 	
                $

              	
                  4,752,994.50
                  

              	 	
                February
                  25, 2037

              
	
                I-4-A

              	 	
                Variable(2)

              	 	
                $

              	
                  4,954,460.00
                  

              	 	
                February
                  25, 2037

              
	
                I-4-B

              	 	
                Variable(2)

              	 	
                $

              	
                  4,954,460.00
                  

              	 	
                February
                  25, 2037

              
	
                I-5-A

              	 	
                Variable(2)

              	 	
                $

              	
                  5,133,486.00
                  

              	 	
                February
                  25, 2037

              
	
                I-5-B

              	 	
                Variable(2)

              	 	
                $

              	
                  5,133,486.00
                  

              	 	
                February
                  25, 2037

              
	
                I-6-A

              	 	
                Variable(2)

              	 	
                $

              	
                  5,171,966.50
                  

              	 	
                February
                  25, 2037

              
	
                I-6-B

              	 	
                Variable(2)

              	 	
                $

              	
                  5,171,966.50
                  

              	 	
                February
                  25, 2037

              
	
                I-7-A

              	 	
                Variable(2)

              	 	
                $

              	
                  5,196,666.00
                  

              	 	
                February
                  25, 2037

              
	
                I-7-B

              	 	
                Variable(2)

              	 	
                $

              	
                  5,196,666.00
                  

              	 	
                February
                  25, 2037

              
	
                I-8-A

              	 	
                Variable(2)

              	 	
                $

              	
                  5,137,526.00
                  

              	 	
                February
                  25, 2037

              
	
                I-8-B

              	 	
                Variable(2)

              	 	
                $

              	
                  5,137,526.00
                  

              	 	
                February
                  25, 2037

              
	
                I-9-A

              	 	
                Variable(2)

              	 	
                $

              	
                  4,918,973.00
                  

              	 	
                February
                  25, 2037

              
	
                I-9-B

              	 	
                Variable(2)

              	 	
                $

              	
                  4,918,973.00
                  

              	 	
                February
                  25, 2037

              
	
                I-10-A

              	 	
                Variable(2)

              	 	
                $

              	
                  4,700,564.00
                  

              	 	
                February
                  25, 2037

              
	
                I-10-B

              	 	
                Variable(2)

              	 	
                $

              	
                  4,700,564.00
                  

              	 	
                February
                  25, 2037

              
	
                I-11-A

              	 	
                Variable(2)

              	 	
                $

              	
                  4,490,729.00
                  

              	 	
                February
                  25, 2037

              
	
                I-11-B

              	 	
                Variable(2)

              	 	
                $

              	
                  4,490,729.00
                  

              	 	
                February
                  25, 2037

              
	
                I-12-A

              	 	
                Variable(2)

              	 	
                $

              	
                  4,290,249.00
                  

              	 	
                February
                  25, 2037

              
	
                I-12-B

              	 	
                Variable(2)

              	 	
                $

              	
                  4,290,249.00
                  

              	 	
                February
                  25, 2037

              
	
                I-13-A

              	 	
                Variable(2)

              	 	
                $

              	
                  4,098,709.00
                  

              	 	
                February
                  25, 2037

              
	
                I-13-B

              	 	
                Variable(2)

              	 	
                $

              	
                  4,098,709.00
                  

              	 	
                February
                  25, 2037

              
	
                I-14-A

              	 	
                Variable(2)

              	 	
                $

              	
                  3,915,709.50
                  

              	 	
                February
                  25, 2037

              
	
                I-14-B

              	 	
                Variable(2)

              	 	
                $

              	
                  3,915,709.50
                  

              	 	
                February
                  25, 2037

              
	
                I-15-A

              	 	
                Variable(2)

              	 	
                $

              	
                  3,740,870.50
                  

              	 	
                February
                  25, 2037

              
	
                I-15-B

              	 	
                Variable(2)

              	 	
                $

              	
                  3,740,870.50
                  

              	 	
                February
                  25, 2037

              
	
                I-16-A

              	 	
                Variable(2)

              	 	
                $

              	
                  3,573,827.50
                  

              	 	
                February
                  25, 2037

              
	
                I-16-B

              	 	
                Variable(2)

              	 	
                $

              	
                  3,573,827.50
                  

              	 	
                February
                  25, 2037

              
	
                I-17-A

              	 	
                Variable(2)

              	 	
                $

              	
                  3,414,234.50
                  

              	 	
                February
                  25, 2037

              
	
                I-17-B

              	 	
                Variable(2)

              	 	
                $

              	
                  3,414,234.50
                  

              	 	
                February
                  25, 2037

              
	
                I-18-A

              	 	
                Variable(2)

              	 	
                $

              	
                  3,261,759.00
                  

              	 	
                February
                  25, 2037

              
	
                I-18-B

              	 	
                Variable(2)

              	 	
                $

              	
                  3,261,759.00
                  

              	 	
                February
                  25, 2037

              
	
                I-19-A

              	 	
                Variable(2)

              	 	
                $

              	
                  3,116,084.50
                  

              	 	
                February
                  25, 2037

              
	
                I-19-B

              	 	
                Variable(2)

              	 	
                $

              	
                  3,116,084.50
                  

              	 	
                February
                  25, 2037

              
	
                I-20-A

              	 	
                Variable(2)

              	 	
                $

              	
                  2,976,906.50
                  

              	 	
                February
                  25, 2037

              
	
                I-20-B

              	 	
                Variable(2)

              	 	
                $

              	
                  2,976,906.50
                  

              	 	
                February
                  25, 2037

              
	
                I-21-A

              	 	
                Variable(2)

              	 	
                $

              	
                  2,843,937.00
                  

              	 	
                February
                  25, 2037

              
	
                I-21-B

              	 	
                Variable(2)

              	 	
                $

              	
                  2,843,937.00
                  

              	 	
                February
                  25, 2037

              
	
                I-22-A

              	 	
                Variable(2)

              	 	
                $

              	
                  2,716,899.00
                  

              	 	
                February
                  25, 2037

              
	
                I-22-B

              	 	
                Variable(2)

              	 	
                $

              	
                  2,716,899.00
                  

              	 	
                February
                  25, 2037

              
	
                I-23-A

              	 	
                Variable(2)

              	 	
                $

              	
                  2,595,527.50
                  

              	 	
                February
                  25, 2037

              
	
                I-23-B

              	 	
                Variable(2)

              	 	
                $

              	
                  2,595,527.50
                  

              	 	
                February
                  25, 2037

              
	
                I-24-A

              	 	
                Variable(2)

              	 	
                $

              	
                  2,479,571.00
                  

              	 	
                February
                  25, 2037

              
	
                I-24-B

              	 	
                Variable(2)

              	 	
                $

              	
                  2,479,571.00
                  

              	 	
                February
                  25, 2037

              
	
                I-25-A

              	 	
                Variable(2)

              	 	
                $

              	
                  2,368,787.50
                  

              	 	
                February
                  25, 2037

              
	
                I-25-B

              	 	
                Variable(2)

              	 	
                $

              	
                  2,368,787.50
                  

              	 	
                February
                  25, 2037

              
	
                I-26-A

              	 	
                Variable(2)

              	 	
                $

              	
                  2,262,947.00
                  

              	 	
                February
                  25, 2037

              
	
                I-26-B

              	 	
                Variable(2)

              	 	
                $

              	
                  2,262,947.00
                  

              	 	
                February
                  25, 2037

              
	
                I-27-A

              	 	
                Variable(2)

              	 	
                $

              	
                  2,161,829.00
                  

              	 	
                February
                  25, 2037

              
	
                I-27-B

              	 	
                Variable(2)

              	 	
                $

              	
                  2,161,829.00
                  

              	 	
                February
                  25, 2037

              
	
                I-28-A

              	 	
                Variable(2)

              	 	
                $

              	
                  2,065,222.50
                  

              	 	
                February
                  25, 2037

              
	
                I-28-B

              	 	
                Variable(2)

              	 	
                $

              	
                  2,065,222.50
                  

              	 	
                February
                  25, 2037

              
	
                I-29-A

              	 	
                Variable(2)

              	 	
                $

              	
                  1,972,926.50
                  

              	 	
                February
                  25, 2037

              
	
                I-29-B

              	 	
                Variable(2)

              	 	
                $

              	
                  1,972,926.50
                  

              	 	
                February
                  25, 2037

              
	
                I-30-A

              	 	
                Variable(2)

              	 	
                $

              	
                  1,884,750.50
                  

              	 	
                February
                  25, 2037

              
	
                I-30-B

              	 	
                Variable(2)

              	 	
                $

              	
                  1,884,750.50
                  

              	 	
                February
                  25, 2037

              
	
                I-31-A

              	 	
                Variable(2)

              	 	
                $

              	
                  1,800,508.00
                  

              	 	
                February
                  25, 2037

              
	
                I-31-B

              	 	
                Variable(2)

              	 	
                $

              	
                  1,800,508.00
                  

              	 	
                February
                  25, 2037

              
	
                I-32-A

              	 	
                Variable(2)

              	 	
                $

              	
                  1,720,026.50
                  

              	 	
                February
                  25, 2037

              
	
                I-32-B

              	 	
                Variable(2)

              	 	
                $

              	
                  1,720,026.50
                  

              	 	
                February
                  25, 2037

              
	
                I-33-A

              	 	
                Variable(2)

              	 	
                $

              	
                  1,643,137.00
                  

              	 	
                February
                  25, 2037

              
	
                I-33-B

              	 	
                Variable(2)

              	 	
                $

              	
                  1,643,137.00
                  

              	 	
                February
                  25, 2037

              
	
                I-34-A

              	 	
                Variable(2)

              	 	
                $

              	
                  1,569,678.50
                  

              	 	
                February
                  25, 2037

              
	
                I-34-B

              	 	
                Variable(2)

              	 	
                $

              	
                  1,569,678.50
                  

              	 	
                February
                  25, 2037

              
	
                I-35-A

              	 	
                Variable(2)

              	 	
                $

              	
                  1,499,500.00
                  

              	 	
                February
                  25, 2037

              
	
                I-35-B

              	 	
                Variable(2)

              	 	
                $

              	
                  1,499,500.00
                  

              	 	
                February
                  25, 2037

              
	
                I-36-A

              	 	
                Variable(2)

              	 	
                $

              	
                  1,432,453.50
                  

              	 	
                February
                  25, 2037

              
	
                I-36-B

              	 	
                Variable(2)

              	 	
                $

              	
                  1,432,453.50
                  

              	 	
                February
                  25, 2037

              
	
                I-37-A

              	 	
                Variable(2)

              	 	
                $

              	
                  44,040.50
                  

              	 	
                February
                  25, 2037

              
	
                I-37-B

              	 	
                Variable(2)

              	 	
                $

              	
                  44,040.50
                  

              	 	
                February
                  25, 2037

              
	
                I-38-A

              	 	
                Variable(2)

              	 	
                $

              	
                  892,204.50
                  

              	 	
                February
                  25, 2037

              
	
                I-38-B

              	 	
                Variable(2)

              	 	
                $

              	
                  892,204.50
                  

              	 	
                February
                  25, 2037

              
	
                I-39-A

              	 	
                Variable(2)

              	 	
                $

              	
                  852,288.00
                  

              	 	
                February
                  25, 2037

              
	
                I-39-B

              	 	
                Variable(2)

              	 	
                $

              	
                  852,288.00
                  

              	 	
                February
                  25, 2037

              
	
                I-40-A

              	 	
                Variable(2)

              	 	
                $

              	
                  814,154.50
                  

              	 	
                February
                  25, 2037

              
	
                I-40-B

              	 	
                Variable(2)

              	 	
                $

              	
                  814,154.50
                  

              	 	
                February
                  25, 2037

              
	
                I-41-A

              	 	
                Variable(2)

              	 	
                $

              	
                  777,723.00
                  

              	 	
                February
                  25, 2037

              
	
                I-41-B

              	 	
                Variable(2)

              	 	
                $

              	
                  777,723.00
                  

              	 	
                February
                  25, 2037

              
	
                I-42-A

              	 	
                Variable(2)

              	 	
                $

              	
                  742,920.50
                  

              	 	
                February
                  25, 2037

              
	
                I-42-B

              	 	
                Variable(2)

              	 	
                $

              	
                  742,920.50
                  

              	 	
                February
                  25, 2037

              
	
                I-43-A

              	 	
                Variable(2)

              	 	
                $

              	
                  709,671.50
                  

              	 	
                February
                  25, 2037

              
	
                I-43-B

              	 	
                Variable(2)

              	 	
                $

              	
                  709,671.50
                  

              	 	
                February
                  25, 2037

              
	
                I-44-A

              	 	
                Variable(2)

              	 	
                $

              	
                  677,917.00
                  

              	 	
                February
                  25, 2037

              
	
                I-44-B

              	 	
                Variable(2)

              	 	
                $

              	
                  677,917.00
                  

              	 	
                February
                  25, 2037

              
	
                I-45-A

              	 	
                Variable(2)

              	 	
                $

              	
                  647,572.00
                  

              	 	
                February
                  25, 2037

              
	
                I-45-B

              	 	
                Variable(2)

              	 	
                $

              	
                  647,572.00
                  

              	 	
                February
                  25, 2037

              
	
                I-46-A

              	 	
                Variable(2)

              	 	
                $

              	
                  618,583.00
                  

              	 	
                February
                  25, 2037

              
	
                I-46-B

              	 	
                Variable(2)

              	 	
                $

              	
                  618,583.00
                  

              	 	
                February
                  25, 2037

              
	
                I-47-A

              	 	
                Variable(2)

              	 	
                $

              	
                  590,890.00
                  

              	 	
                February
                  25, 2037

              
	
                I-47-B

              	 	
                Variable(2)

              	 	
                $

              	
                  590,890.00
                  

              	 	
                February
                  25, 2037

              
	
                I-48-A

              	 	
                Variable(2)

              	 	
                $

              	
                  564,433.50
                  

              	 	
                February
                  25, 2037

              
	
                I-48-B

              	 	
                Variable(2)

              	 	
                $

              	
                  564,433.50
                  

              	 	
                February
                  25, 2037

              
	
                I-49-A

              	 	
                Variable(2)

              	 	
                $

              	
                  539,160.00
                  

              	 	
                February
                  25, 2037

              
	
                I-49-B

              	 	
                Variable(2)

              	 	
                $

              	
                  539,160.00
                  

              	 	
                February
                  25, 2037

              
	
                I-50-A

              	 	
                Variable(2)

              	 	
                $

              	
                  515,016.00
                  

              	 	
                February
                  25, 2037

              
	
                I-50-B

              	 	
                Variable(2)

              	 	
                $

              	
                  515,016.00
                  

              	 	
                February
                  25, 2037

              
	
                I-51-A

              	 	
                Variable(2)

              	 	
                $

              	
                  491,950.50
                  

              	 	
                February
                  25, 2037

              
	
                I-51-B

              	 	
                Variable(2)

              	 	
                $

              	
                  491,950.50
                  

              	 	
                February
                  25, 2037

              
	
                I-52-A

              	 	
                Variable(2)

              	 	
                $

              	
                  470,416.00
                  

              	 	
                February
                  25, 2037

              
	
                I-52-B

              	 	
                Variable(2)

              	 	
                $

              	
                  470,416.00
                  

              	 	
                February
                  25, 2037

              
	
                I-53-A

              	 	
                Variable(2)

              	 	
                $

              	
                  449,342.00
                  

              	 	
                February
                  25, 2037

              
	
                I-53-B

              	 	
                Variable(2)

              	 	
                $

              	
                  449,342.00
                  

              	 	
                February
                  25, 2037

              
	
                I-54-A

              	 	
                Variable(2)

              	 	
                $

              	
                  9,115,652.50
                  

              	 	
                February
                  25, 2037

              
	
                I-54-B

              	 	
                Variable(2)

              	 	
                $

              	
                  9,115,652.50
                  

              	 	
                February
                  25, 2037

              

      

      ___________________________

       

      
        	
                (1)

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

              

      

       

      
        	
                (2)

              	
                Calculated
                  in accordance with the definition of “REMIC I-A Remittance Rate”
                  herein.

              

      

       

      

       

      REMIC
        II

       

      As
        provided herein, the Trustee will elect to treat the segregated pool of assets
        consisting of the REMIC I Regular Interests as a REMIC for federal income
        tax
        purposes, and such segregated pool of assets will be designated as “REMIC II.”
The Class R-2 Interest will evidence the sole class of “residual interests” in
        REMIC II for purposes of the REMIC Provisions. The following table irrevocably
        sets forth the designation, the REMIC II Remittance Rate, the initial
        Uncertificated Balance and, for purposes of satisfying Treasury regulation
        Section 1.860G-1(a)(4)(iii), the “latest possible maturity date” for each
        of the REMIC II Regular Interests (as defined herein). None of the REMIC
        II
        Regular Interests will be certificated.

       

      
        	
                Designation

              	
                REMIC
                  II Remittance Rate

              	
                Initial
                  Uncertificated Balance

              	
                Latest
                  Possible Maturity Date (1)

              
	
                I

              	
                Variable(2)

              	
                $
                  183,782,360.32

              	
                February
                  25, 2037

              
	
                IO-1

              	
                Variable(2)

              	
                $ 
                   20,234,000.00

              	
                February
                  25, 2037

              
	
                IO-2

              	
                Variable(2)

              	
                $ 
                   49,460,000.00

              	
                February
                  25, 2037

              
	
                IO-3

              	
                Variable(2)

              	
                $ 
                   26,979,000.00

              	
                February
                  25, 2037

              
	
                IO-4

              	
                Variable(2)

              	
                $   
                   4,496,000.00

              	
                February
                  25, 2037

              
	
                IO-5

              	
                Variable(2)

              	
                $   
                   2,698,000.00

              	
                February
                  25, 2037

              
	
                IO-6

              	
                Variable(2)

              	
                $ 
                   10,791,000.00

              	
                February
                  25, 2037

              
	
                SWAP-IO

              	
                Variable(2)

              	
                N/A(3)

              	
                February
                  25, 2037

              

      

      ___________________________

       

      
        	
                (1)

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

              

      

       

      
        	
                (2)

              	
                Calculated
                  in accordance with the definition of “REMIC II Remittance Rate”
                  herein.

              

      

       

      
        	
                (3)

              	
                REMIC
                  II Regular Interest SWAP-IO will not have an Uncertificated Balance,
                  but
                  will accrue interest on its Uncertificated Notional Amount, as
                  defined
                  herein.

              

      

       

      

       

      REMIC
        III

       

      As
        provided herein, the Trustee will elect to treat the segregated pool of assets
        consisting of the REMIC II Regular Interests as a REMIC for federal income
        tax
        purposes, and such segregated pool of assets will be designated as “REMIC III.”
The Class R-3 Interest will evidence the sole class of “residual interests” in
        REMIC III for purposes of the REMIC Provisions. The following table irrevocably
        sets forth the designation, the REMIC III Remittance Rate, the initial
        Uncertificated Balance and, for purposes of satisfying Treasury regulation
        Section 1.860G-1(a)(4)(iii), the “latest possible maturity date” for each
        of the REMIC III Regular Interests (as defined herein). None of the REMIC
        III
        Regular Interests will be certificated.

       

      
        	
                Designation

              	
                REMIC
                  III Remittance Rate

              	
                Initial
                  Uncertificated Balance

              	
                Latest
                  Possible Maturity Date (1)

              
	
                AA

              	
                Variable(2)

              	
                $
                  292,471,553.11

              	
                February
                  25, 2037

              
	
                A1

              	
                Variable(2)

              	
                $ 
                     2,772,510.00

              	
                February
                  25, 2037

              
	
                ZZ

              	
                Variable(2)

              	
                $   
                   3,196,297.21

              	
                February
                  25, 2037

              
	
                A-IO

              	
                Variable(2)

              	
                N/A(3)

              	
                February
                  25, 2037

              
	
                SWAP-IO

              	
                Variable(2)

              	
                N/A(3)

              	
                February
                  25, 2037

              

      

      ___________________________

       

      
        	
                (1)

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

              

      

       

      
        	
                (2)

              	
                Calculated
                  in accordance with the definition of “REMIC III Remittance Rate”
                  herein.

              

      

       

      
        	
                (3)

              	
                REMIC
                  III Regular Interest A-IO will not have an Uncertificated Balance,
                  but
                  will accrue interest on its Uncertificated Notional Amount, as
                  defined
                  herein.

              

      

       

      
        	
                (4)

              	
                REMIC
                  III Regular Interest SWAP-IO will not have an Uncertificated Balance,
                  but
                  will be entitled to 100% of amounts distributed on REMIC II Regular
                  Interest SWAP-IO.

              

      

       

      

       

      REMIC
        IV

       

      As
        provided herein, the Trustee will elect to treat the segregated pool of assets
        consisting of the REMIC III Regular Interests as a REMIC for federal income
        tax
        purposes, and such segregated pool of assets will be designated as “REMIC IV.”
The Class R-4 Interest will evidence the sole class of “residual interests” in
        REMIC IV for purposes of the REMIC Provisions. The following table irrevocably
        sets forth the designation, the Pass-Through Rate, the initial aggregate
        Certificate Balance and, for purposes of satisfying Treasury regulation
        Section 1.860G-1(a)(4)(iii), the “latest possible maturity date” for the
        indicated Classes of Certificates. The Trust Fund will also issue the Class
        X-1
        Certificates and the Class P Certificates, which will not be issued by any
        REMIC
        created hereunder.

       

      

       

      
        	
                Designation

              	
                Pass-Through
                  Rate

              	
                Initial
                  Aggregate Certificate Balance

              	
                Latest
                  Possible Maturity Date (1)

              
	
                Class
                  A-1

              	
                Variable(2)

              	
                $ 277,251,000.00

              	
                February
                  25, 2037

              
	
                Class
                  A-IO

              	
                Variable(2)

              	
                N/A(3)

              	
                February
                  25, 2037

              
	
                Class
                  X

              	
                Variable(2)

              	
                      
                  $    21,189,360.32
                  (4)

              	
                February
                  25, 2037

              
	
                Class
                  IO Interest

              	
                (5)

              	
                N/A(6)

              	
                February
                  25, 2037

              

      

      _________________

       

      
        	
                (1)

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

              

      

       

      
        	
                (2)

              	
                Calculated
                  in accordance with the definition of “Pass-Through Rate”
                  herein.

              

      

       

      
        	
                (3)

              	
                The
                  Class A-IO Certificates will not have a Certificate Balance, but
                  will
                  accrue interest on their Notional Amount, as defined
                  herein.

              

      

       

      
        	
                (4)

              	
                The
                  Class X Certificates will accrue interest at their variable Pass-Through
                  Rate on the Notional Amount of the Class X Certificates outstanding
                  from
                  time to time which shall equal the Uncertificated Balance of the
                  REMIC III
                  Regular Interests (other than REMIC III Regular Interest A-IO and
                  REMIC
                  III Regular Interest SWAP-IO). The Class X Certificates will not
                  accrue
                  interest on their Certificate
                  Balance.

              

      

       

      
        	
                (5)

              	
                The
                  Class IO Interest will not have a Pass-Through Rate, but will be
                  entitled
                  to 100% of amounts distributed on REMIC III Regular Interest
                  SWAP-IO.

              

      

       

      
        	
                (6)

              	
                The
                  Class IO Interest will not have a Certificate Balance, but will
                  be
                  entitled to 100% of amounts distributed on REMIC III Regular Interest
                  SWAP-IO.

              

      

       

      

       

      As
        of the
        Cut-off Date, the Mortgage Loans had an aggregate Stated Principal Balance
        equal
        to $298,440,360.32.

       

      The
        minimum denomination for the Class A-1 Certificates will be $25,000 initial
        Certificate Balance with integral multiples of $1 in excess thereof. The
        minimum
        denomination for the Class A-IO Certificates will be $25,000 initial Class
        A-IO
        Notional Amount with integral multiples of $1 in excess thereof. The minimum
        denomination for (a) the Class R Certificates will be a 100% Percentage Interest
        in such Class and (b) the Class P Certificates and Class X Certificates will
        be
        a 1% Percentage Interest in each such Class. The Class X-1 Certificates will
        be
        issued as a single Certificate and will not have a Class Certificate
        Balance.

       

      It
        is
        expected that each Class of Class A Certificates will receive its final
        distribution of principal and interest on or prior to the related Final
        Scheduled Distribution Date.

       

      Set
        forth
        below are designations of Classes of Certificates to the categories used
        herein:

       

      
        	
                Book-Entry
                  Certificates

              	
                Class
                  A Certificates.

              
	
                Class
                  A Certificates

              	
                Class
                  A-1 Certificates and Class A-IO Certificates.

              
	
                Fixed
                  Certificates

              	
                Class
                  A-IO Certificates.

              
	
                LIBOR
                  Certificates

              	
                Class
                  A-1 Certificates.

              
	
                Offered
                  Certificates

              	
                Class
                  A Certificates.

              
	
                Physical
                  Certificates

              	
                Class X,
                  Class X-1, Class P and Class R Certificates.

              
	
                Private
                  Certificates

              	
                Class X,
                  Class X-1, Class P and Class R Certificates.

              
	
                Rating
                  Agencies

              	
                Standard
                  & Poor’s and Moody’s.

              
	
                Regular
                  Certificates

              	
                All
                  Classes of Certificates other than the Class P, Class X-1 and Class
                  R
                  Certificates.

              
	
                Residual
                  Certificates

              	
                Class
                  R Certificates.

              

      

       

       

       

       

      ARTICLE
        I

       

      DEFINITIONS

       

      Section
        1.01  Definitions.
        Whenever used in this Agreement, the following words and phrases, unless
        the
        context otherwise requires, shall have the following meanings:

       

      Accepted
        Servicing Practices: With respect to any Mortgage Loan, those mortgage servicing
        practices set forth in the first paragraph of Section 3.01(a) of this
        Agreement.

       

      Account:
        Any of the applicable Collection Accounts, the Master Servicer Collection
        Account, the Distribution Account, the Policy Payments Account, the Supplemental
        Interest Trust Account or the Excess Reserve Fund Account. Each Account shall
        be
        an Eligible Account.

       

      Accredited:
        Accredited Home Lenders, Inc., a California corporation, and its successors
        in
        interest.

       

      Accredited
        Agreements: Collectively, the Accredited Purchase Agreement and the Accredited
        Assignment Agreement, copies of which are attached hereto as Exhibit
        Q-5.

       

      Accredited
        Assignment Agreement: The Assignment, Assumption and Recognition Agreement,
        dated as of February 28, 2007, by and among Accredited, the Sponsor and the
        Depositor.

       

      Accredited
        Mortgage Loan: Each Mortgage Loan purchased by the Sponsor pursuant to an
        Accredited Purchase Agreement and identified as a "Accredited Mortgage Loan"
        on
        the Mortgage Loan Schedule.

       

      Accredited
        Purchase Agreement: The Amended and Restated Flow Mortgage Loan Purchase
        and
        Warranties Agreement, dated as of December 1, 2005, between the Sponsor and
        Accredited, and the Commitment Letter, dated as of September 13, 2006, solely
        insofar as the Accredited Purchase Agreement relates to the Accredited Mortgage
        Loans.

       

      Accrued
        Certificate Interest Distribution Amount: With respect to any Distribution
        Date,
        for each Class of Offered Certificates, the amount of interest accrued during
        the related Interest Accrual Period at the applicable Pass-Through Rate on
        the
        related Class Certificate Balance or the Class A-IO Notional Amount, as
        applicable, immediately prior to such Distribution Date, as reduced by that
        Class’s share of Net Prepayment Interest Shortfalls not covered by Total Monthly
        Express Spread and Relief Act Interest Shortfalls for the related Due Period
        allocated to such Class pursuant to Section 4.02.

       

      Additional
        Form 10-D Disclosure: As defined in Section 8.12(a)(i).

       

      Additional
        Form 10-K Disclosure: As defined in Section 8.12(a)(iii).

       

      Adjusted
        Net Mortgage Interest Rate: As to each Mortgage Loan and at any time, the
        per
        annum rate equal to the Mortgage Interest Rate less the related Expense Fee
        Rate.

       

      Advance:
        Any P&I Advance or Servicing Advance.

       

      Advance
        Facility: As defined in Section 11.07.

       

      Advance
        Facility Default Notice: As defined in Section 11.07.

       

      Advance
        Facility Notice: As defined in Section 11.07.

       

      Advance
        Financing Person: As defined in Section 11.07.

       

      Advance
        Reimbursement Amounts: As defined in Section 11.07.

       

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

       

      Agreement:
        This Pooling and Servicing Agreement and all amendments or supplements
        hereto.

       

      Annual
        Statement of Compliance: As defined in Section 3.22.

       

      Appraised
        Value: (i) In the case of a purchase, the least of the sale price of the
        related
        Mortgaged Property, its appraised value or its review appraisal value (as
        determined pursuant to the related Underwriting Guidelines) at the time of
        sale,
        or (ii) in the case of a refinancing or modification of a Mortgage Loan,
        the
        appraised value of the related Mortgaged Property at the time of the refinancing
        or modification.

       

      Assessment
        of Compliance: As defined in Section 3.23.

       

      Assignment
        of Mortgage: An assignment of the Mortgage, notice of transfer or equivalent
        instrument in recordable form (other than the assignee’s name and recording
        information not yet returned from the recording office), reflecting the sale
        of
        the Mortgage to the Trust.

       

      Attestation
        Report: As defined in Section 3.23.

       

      Available
        Funds: With respect to any Distribution Date and the Mortgage Loans to the
        extent received by the Trustee (x) the sum of (i) all scheduled
        installments of interest (net of the related Expense Fees) and principal
        due on
        the Due Date on such Mortgage Loans in the related Due Period and received
        on or
        prior to the related Determination Date, together with any P&I Advances in
        respect thereof; (ii) all Condemnation Proceeds, Insurance Proceeds and
        Liquidation Proceeds received during the related Prepayment Period (in each
        case, net of unreimbursed expenses incurred in connection with a liquidation
        or
        foreclosure and unreimbursed Advances, if any); (iii) all partial or full
        prepayments on the Mortgage Loans received during the related Prepayment
        Period
        together with all Compensating Interest paid by the Servicers in connection
        therewith (excluding Prepayment Premiums); (iv) all amounts received with
        respect to such Distribution Date as the Substitution Adjustment Amount or
        Repurchase Price in respect of a related Deleted Mortgage Loan or a Mortgage
        Loan repurchased by the related Responsible Party or the Purchaser as of
        such
        Distribution Date; and (v) the proceeds received with respect to the termination
        of the Trust Fund pursuant to clause (a) of Section 10.01, reduced by
        (y) all amounts in reimbursement for P&I Advances and Servicing
        Advances previously made with respect to the Mortgage Loans (including
        reimbursements made pursuant to Sections 3.11(a)(ii), (iii), (vi) and (vii))
        and
        other amounts as to which the Servicers, the Depositor, the Master Servicer,
        the
        Custodian or the Trustee are entitled to be paid or reimbursed pursuant to
        this
        Agreement.

       

      Avelo:
        Avelo Mortgage, L.L.C., a Delaware limited liability company, and its successors
        in interest.

       

      Basic
        Principal Distribution Amount: With respect to any Distribution Date, the
        excess
        of (i) the aggregate Principal Remittance Amount for such Distribution Date
        over (ii) the Excess Overcollateralized Amount, if any, for such
        Distribution Date.

       

      Basis
        Risk Carry Forward Amount: With respect to the Certificates, as of any
        Distribution Date, the sum of (A) if on such Distribution Date the Pass-Through
        Rate for any Class of Offered Certificates is based upon the WAC Cap, the
        excess
        of (i) the amount of interest such Class of Offered Certificates would
        otherwise be entitled to receive on such Distribution Date had the Pass-Through
        Rate not been subject to the WAC Cap, over (ii) the amount of interest such
        Class of Offered Certificates received on that Distribution Date at the WAC
        Cap,
        and (B) the Basis Risk Carry Forward Amount for such Class of Offered
        Certificates for all previous Distribution Dates not previously paid, together
        with interest thereon at a rate equal to the applicable Pass-Through Rate
        for
        such Class of Offered Certificates for such Distribution Date (without giving
        effect to the WAC Cap).

       

      Basis
        Risk Payment: For any Distribution Date, an amount equal to the lesser of
        (i) the aggregate Basis Risk Carry Forward Amounts for such Distribution
        Date and (ii) the Class X Distributable Amount (prior to any reduction for
        Basis Risk Payments or Defaulted Swap Termination Payment).

       

      Book-Entry
        Certificates: As specified in the Preliminary Statement.

       

      Business
        Day: Any day other than (i) Saturday or Sunday, or (ii) a day on which
        banking or savings and loan institutions, in (a) the States of New York,
        Ohio, California and Delaware, (b) the State in which the Master Servicer’s
        operations and any Servicer’s servicing operations are located, or (d) the
        State in which the Trustee’s operations are located, are authorized or obligated
        by law or executive order to be closed.

       

      Certificate:
        Any one of the Certificates executed by the Trustee in substantially the
        forms
        attached hereto as exhibits.

       

      Certificate
        Balance: With respect to any Class of Certificates, other than the Physical
        Certificates, at any date, the maximum dollar amount of principal to which
        the
        Holder thereof is then entitled hereunder, such amount being equal to the
        Denomination thereof minus all distributions of principal previously made
        with
        respect thereto. The Class A-IO Certificates and Physical Certificates (other
        than the Class X Certificates) have no Certificate Balance. With respect
        to each
        Class X Certificate as of any date of determination, an amount equal to the
        Percentage Interest evidenced by such Certificate times the excess, if any,
        of
        (A) the then aggregate Uncertificated Balances of the REMIC III Regular
        Interests (other than REMIC II-C Regular Interest I-SWAP-IO and REMIC III
        Regular Interest A-IO) over (B) the then aggregate Class Certificate Balance
        of
        the Class A-1 Certificates then outstanding.

       

      Certificate
        Owner: With respect to a Book-Entry Certificate, the Person who is the
        beneficial owner of such Book-Entry Certificate.

       

      Certificate
        Insurer: CIFG Assurance North America, Inc.

       

      Certificate
        Register: The register maintained pursuant to Section 5.02.

       

      Certificates:
        The Class A-1, Class A-IO, Class P, Class X, Class X-1 and Class R
        Certificates.

       

      Certificateholder
        or Holder: The Person in whose name a Certificate is registered in the
        Certificate Register, except that, solely for the purpose of giving any consent
        pursuant to this Agreement, any Certificate registered in the name of the
        Depositor or any affiliate of the Depositor shall be deemed not to be
        Outstanding and the Percentage Interest evidenced thereby shall not be taken
        into account in determining whether the requisite amount of Percentage Interests
        necessary to effect such consent has been obtained; provided, however, that
        if
        any such Person (including the Depositor) owns 100% of the Percentage Interests
        evidenced by a Class of Certificates, such Certificates shall be deemed to
        be
        Outstanding for purposes of any provision hereof that requires the consent
        of
        the Holders of Certificates of a particular Class as a condition to the
        taking of any action hereunder. The Trustee is entitled to rely conclusively
        on
        a certification of the Depositor or any affiliate of the Depositor in
        determining which Certificates are registered in the name of an affiliate
        of the
        Depositor.

       

      Certification:
        As defined in Section 8.12(b).

       

      Charged
        Off Loan: With respect to any Distribution Date, a defaulted Mortgage Loan
        that
        is 180 days delinquent and that has not yet been liquidated, giving rise
        to a
        Realized Loss.

       

      Class:
        All Certificates bearing the same class designation as set forth in the
        Preliminary Statement.

       

      Class
        Certificate Balance: With respect to any Class and as to any date of
        determination, the aggregate of the Certificate Balances of all Certificates
        of
        such Class as of such date.

       

      Class
        A
        Certificates: As specified in the Preliminary Statement.

       

      Class
        A-1
        Certificates: All Certificates bearing the class designation of “Class A-1
        Certificates” and evidencing (i) a REMIC Regular Interest in REMIC IV, (ii) the
        right to receive the related Basis Risk Carry Forward Amounts and (iii) the
        obligation to pay any Class IO Distribution Amount.

       

      Class
        A-1
        Principal Distribution Amount: With respect to any Distribution Date, the
        excess
        of (x) the aggregate Class Certificate Balance of the Class A-1
        Certificates immediately prior to such Distribution Date over (y) the
        lesser of (A)  the product of (i) 85.80% and (ii) the aggregate Stated
        Principal Balance of the Mortgage Loans for such Distribution Date and
        (B) the excess, if any, of the aggregate Stated Principal Balance of the
        Mortgage Loans for such Distribution Date over the Overcollateralization
        Floor.

       

      Class
        A-IO Notional Amount: With respect to any Distribution Date and the Class
        A-IO
        Certificates, an amount equal to the lesser of (i) amount set forth on Schedule
        III for such Distribution Date and (ii) the aggregate Stated Principal Balance
        of the Mortgage Loans as of the last day of the preceding Due Period. After
        the
        August 2008 Distribution Date, the Class A-IO Notional Amount will be equal
        to
        zero. For federal income tax purposes, the Class A-IO Certificates will not
        have
        a Notional Amount, but will be entitled to 100% of amounts distributed to
        REMIC
        III Regular Interest A-IO.

       

      Class
        IO
        Distribution Amount: As defined in Section 4.08 hereof. For purposes of clarity,
        the Class IO Distribution Amount for any Distribution Date shall equal the
        amount payable to the Supplemental Interest Trust on such Distribution Date
        in
        excess of the amount payable on the Class IO Interest on such Distribution
        Date,
        all as further provided in Section 4.08 hereof.

       

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

       

      Class
        P
        Certificates: All Certificates bearing the class designation of “Class P
        Certificates.”

       

      Class
        R
        Certificates: All Certificates bearing the class designation of “Class R
        Certificates” and evidencing ownership of the Class R-1 Interest, Class R-2
        Interest, Class R-3 Interest and Class R-4 Interest.

       

      Class
        X
        Certificates: All Certificates bearing the class designation of “Class X
        Certificates” and evidencing (i) a REMIC Regular Interest in REMIC IV, (ii) the
        obligation to pay Basis Risk Carry Forward Amounts and (iii) the obligation
        to
        pay any Class IO Distribution Amount.

       

      Class
        X
        Distributable Amount: On any Distribution Date, (i) as a distribution in
        respect of interest, the amount of interest that has accrued on the Class X
        Interest and not applied as an Extra Principal Distribution Amount on such
        Distribution Date, plus any such accrued interest remaining undistributed
        from
        prior Distribution Dates, plus, without duplication, (ii) as a distribution
        in respect of principal, any portion of the principal balance of the
        Class X Interest which is distributable as a Overcollateralization
        Reduction Amount, minus (iii) any amounts paid as a Basis Risk Payment
        and (iv) any amounts paid as a Class IO Distribution Amount.

       

      Class
        X-1
        Certificates: All Certificates bearing the class designation of “Class X-1
        Certificates.”

       

      Class
        R-1
        Interest: The uncertificated residual interest in REMIC I.

       

      Class
        R-2
        Interest: The uncertificated residual interest in REMIC II.

       

      Class
        R-3
        Interest: The uncertificated residual interest in REMIC III.

       

      Class
        R-4
        Interest: The uncertificated residual interest in REMIC IV.

       

      Closing
        Date: February 28, 2007.

       

      Code:
        The
        Internal Revenue Code of 1986, including any successor or amendatory
        provisions.

       

      Collection
        Accounts: As defined in Section 3.10(a).

       

      Combined
        Loan-to-Value Ratio or CLTV: As of any date and as to any Mortgage Loan,
        the
        ratio, expressed as a percentage, of the (a) sum of (i) the outstanding
        principal balance of the Mortgage Loan and (ii) the outstanding principal
        balance as of such date of any mortgage loan or mortgage loans that are senior
        or equal in priority to the Mortgage Loan and which are secured by the same
        Mortgaged Property to (b) the Appraised Value.

       

      Commission:
        The United States Securities and Exchange Commission.

       

      Compensating
        Interest: For any Distribution Date, the lesser of (a) the Prepayment
        Interest Shortfall, if any, for such Distribution Date, with respect to
        voluntary Principal Prepayments in full occurring during the related Prepayment
        Period, and (b) (x) with respect to Ocwen and SLS, the related Servicing
        Fee, and (y) with respect to Avelo, one-half of the related Servicing Fee,
        in
        each case payable to the related Servicer for such Distribution
        Date.

       

      Condemnation
        Proceeds: All awards, compensation and/or settlements in respect of a Mortgaged
        Property on the related Mortgage Loans, whether permanent or temporary, partial
        or entire, by exercise of the power of eminent domain or condemnation, to
        the
        extent not required to be released to a Mortgagor in accordance with the
        terms
        of the related Mortgage Loan Documents remaining after, or not otherwise
        required to be applied to, the satisfaction of any related First Lien Mortgage
        Loan.

       

      Conduit
        Mortgage Loan: Each Mortgage Loan purchased by the Sponsor pursuant to its
        mortgage conduit program and identified as a “Conduit Mortgage Loan” on the
        Mortgage Loan Schedule.

       

      Corporate
        Trust Office: The designated office of the Trustee in the State of California
        at
        which at any particular time its corporate trust business with respect to
        this
        Agreement is administered, which office at the date of the execution of this
        Agreement is located at 1761 East St. Andrew Place, Santa Ana, California
        92705-4934, Attn: Trust Administration-GS071S, facsimile no. (714) 247-6478
        and
        which is the address to which notices to and correspondence with the Trustee
        should be directed.

       

      Corresponding
        Certificate: With respect to each REMIC Regular Interest listed below, as
        follows:

       

      
        	
                REMIC
                  Regular Interest

              	
                Class

              
	
                REMIC
                  III Regular Interest I-A1

              	
                A-1

              
	
                REMIC
                  III Regular Interest A-IO

              	
                A-IO

              

      

      

      Cumulative
        Loss Percentage: With respect to Ocwen, as of any date of determination,
        the
        percentage equivalent of a fraction, the numerator of which is the aggregate
        amount of Realized Losses on the related Mortgage Loans for the period from
        the
        Cut-off Date to the date of determination and the denominator of which is
        the
        Stated Principal Balance of the related Mortgage Loans as of the Cut-off
        Date.

       

      Custodian:
        U.S. Bank National Association, a national banking association, and its
        successors in interest, as applicable. The Trustee will also serve as a
        custodian for certain of the Mortgage Loans.

       

      Custodian
        Fee: As to each applicable Mortgage Loan and any Distribution Date, any amount
        payable to the Custodian for such Mortgage Loan pursuant to the Custodian’s fee
        agreement with the Trustee, as specified in an invoice from the Custodian
        to the
        Trustee. The Custodian Fee payable to the Custodian with respect to each
        Distribution Date shall be payable by the Trustee, solely from amounts relating
        to the Mortgage Loans.

       

      Custodial
        File: With respect to each Mortgage Loan, any Mortgage Loan Document which
        is
        delivered to the Trustee or the Custodian, as applicable, or which at any
        time
        comes into the possession of the Trustee or the Custodian, as
        applicable.

       

      Cut-off
        Date: February 1, 2007.

       

      Cut-off
        Date Pool Principal Balance: The aggregate Stated Principal Balance of all
        Mortgage Loans as of the Cut-off Date.

       

      Cut-off
        Date Principal Balance: As to any Mortgage Loan, the Stated Principal Balance
        thereof as of the close of business on the Cut-off Date (after giving effect
        to
        payments of principal due on that date, whether or not received).

       

      Data
        Tape
        Information: The information provided by the related Responsible Party or
        the
        related Servicer as of the Cut-off Date to the Depositor setting forth the
        following information with respect to each Mortgage Loan: (1) the applicable
        Responsible Party’s Mortgage Loan identifying number; (2) the Mortgagor’s name;
        (3) the street address of the Mortgaged Property including the city, state
        and
        zip code; (4) a code indicating whether the Mortgaged Property is
        owner-occupied, a second home or investment property; (5) the number and
        type of
        residential units constituting the Mortgaged Property (i.e., a single family
        residence, a 2-4 family residence, a unit in a condominium project or a unit
        in
        a planned unit development or a manufactured housing unit); (6) the original
        months to maturity or the remaining months to maturity from the Cut-off Date,
        in
        any case based on the original amortization schedule and, if different, the
        maturity expressed in the same manner but based on the actual amortization
        schedule; (7) the Combined Loan-to-Value Ratio at origination; (8) the Mortgage
        Interest Rate as of the Cut-off Date; (9) the date on which the Scheduled
        Payment was due on the Mortgage Loan and, if such date is not consistent
        with
        the Due Date currently in effect, such Due Date; (10) the stated maturity
        date;
        (11) the amount of the Scheduled Payment as of the Cut-off Date; (12) the
        last
        payment date on which a Scheduled Payment was actually applied to pay interest
        and the outstanding principal balance; (13) the original principal amount
        of the
        Mortgage Loan; (14) the principal balance of the Mortgage Loan as of the
        close
        of business on the Cut-off Date, after deduction of payments of principal
        due
        and collected on or before the Cut-off Date; (15) a code indicating the purpose
        of the loan (i.e., purchase, rate and term refinance, equity take-out
        refinance); (16) a code indicating the documentation style (i.e., full
        documentation, limited documentation or stated income); (17) the loan credit
        classification (as described in the related Underwriting Guidelines); (18)
        whether such Mortgage Loan provides for a Prepayment Premium; (19) the
        Prepayment Premium period of such Mortgage Loan, if applicable; (20) a
        description of the Prepayment Premium, if applicable; (21) the Mortgage Interest
        Rate as of origination; (22) the credit risk score (FICO score) at origination;
        (23) the date of origination; (24) a code indicating whether the Mortgage
        Loan
        has been modified; (25) the payment history; (26) the Due Date for the first
        Scheduled Payment; (27) the original Scheduled Payment due; (28) with respect
        to
        the related Mortgagor, the debt-to-income ratio; (29) the Appraised Value
        of the
        Mortgaged Property; (30) the sales price of the Mortgaged Property if the
        Mortgage Loan was originated in connection with the purchase of the Mortgaged
        Property; (31) the Mortgage Interest Rate calculation method (i.e., 30/360,
        simple interest, other); (32) a code indicating whether the Mortgage Loan
        is a
“Section 32 Mortgage Loan”; (33) a code indicating whether the Mortgage Loan is
        assumable; (34) the Responsible Party which sold the Mortgage Loan, and (35)
        a
        code indicating if a Mortgage Loan is or has had a 30 Day Delinquency. With
        respect to the Mortgage Loans in the aggregate: (1) the number of Mortgage
        Loans; (2) the current aggregate outstanding principal balance of the
        Mortgage Loans; (3) the weighted average Mortgage Interest Rate of the
        Mortgage Loans; and (4) the weighted average maturity of the Mortgage
        Loans.

       

      Debt
        Service Reduction: With respect to any Mortgage Loan, a reduction by a court
        of
        competent jurisdiction in a proceeding under the United States Bankruptcy
        Code
        in the Scheduled Payment for such Mortgage Loan, except for such a reduction
        resulting from a Deficient Valuation or any reduction that results in a
        permanent forgiveness of principal.

       

      Defaulted
        Swap Termination Payment: Any Swap Termination Payment required to be paid
        by
        the related portion of the Trust to the Swap Provider pursuant to the Interest
        Rate Swap Agreement as a result of an Event of Default (as defined in the
        Interest Rate Swap Agreement) with respect to which the Swap Provider is
        the
        defaulting party or a Termination Event (as defined in the Interest Rate
        Swap
        Agreement) (other than Illegality or a Tax Event that is not a Tax Event
        Upon
        Merger (each as defined in the Interest Rate Swap Agreement )) with respect
        to
        which the Swap Provider is the sole Affected Party (as defined in the Interest
        Rate Swap Agreement).

       

      Deficient
        Valuation: With respect to any Mortgage Loan, a valuation of the related
        Mortgaged Property by a court of competent jurisdiction in an amount less
        than
        the then outstanding principal balance of the Mortgage Loan, which valuation
        results from a proceeding initiated under the United States Bankruptcy
        Code.

       

      Definitive
        Certificates: Any Certificate evidenced by a Physical Certificate and any
        Certificate issued in lieu of a Book-Entry Certificate pursuant to
        Section 5.02(e).

       

      Deleted
        Mortgage Loan: Any Mortgage Loan permitted to be removed from the Trust Fund
        under the circumstances set forth in the Assignment and Recognition
        Agreement.

       

      Delinquent:
        A Mortgage Loan will be considered “Delinquent” based on the so-called “OTS”
methodology for determining delinquencies on mortgage loans similar to the
        Mortgage Loans. By way of example, a Mortgage Loan would be Delinquent with
        respect to a scheduled payment due on a Due Date if such scheduled payment
        is
        not made by the close of business on the Mortgage Loan’s next succeeding Due
        Date, and a Mortgage Loan would be more than 30-days Delinquent with respect
        to
        such scheduled payment if such scheduled payment were not made by the close
        of
        business on the Mortgage Loan’s second succeeding Due Date.

       

      Denomination:
        With respect to each Certificate, the amount set forth on the face thereof
        as
        the “Initial Certificate Balance of this Certificate” or the Percentage Interest
        appearing on the face thereof.

       

      Depositor:
        GS Mortgage Securities Corp., a Delaware corporation, and its successors
        in
        interest.

       

      Depository:
        The initial Depository shall be The Depository Trust Company, the nominee
        of
        which is CEDE & Co., as the registered Holder of the Book-Entry
        Certificates. The Depository shall at all times be a “clearing corporation” as
        defined in Section 8-102(a)(5) of the Uniform Commercial Code of the State
        of New York.

       

      Depository
        Institution: Any depository institution or trust company, including the Trustee,
        that (a) is incorporated under the laws of the United States of America or
        any State thereof, (b) is subject to supervision and examination by federal
        or state banking authorities and (c) has outstanding unsecured commercial
        paper or other short-term unsecured debt obligations that are rated P-1 by
        Moody’s and A-1 by Standard & Poor’s, to the extent they are Rating Agencies
        hereunder.

       

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

       

      Determination
        Date: With respect to each Distribution Date, the 15th day of the calendar
        month
        in which such Distribution Date occurs or, if such day is not a Business
        Day,
        the immediately preceding Business Day.

       

      Distribution
        Account: The separate Eligible Account created and maintained by the Trustee
        pursuant to Section 3.27(b) in the name of the Trustee for the benefit of
        the Holders of the Certificates and
        the
        Certificate Insurer and
        designated “Deutsche Bank National Trust Company in trust for registered Holders
        of GSAA Home Equity Trust 2007-S1 Mortgage Pass-Through Certificates,
        Series 2007-S1 and CIFG, as Certificate Insurer.” Funds in the Distribution
        Account shall be held in trust for the Holders of the Certificates and the
        Certificate Insurer for the uses and purposes set forth in this Agreement
        and
        may be invested in Permitted Investments.

       

      Distribution
        Date: The 25th day of each calendar month after the initial issuance of the
        Certificates or, if such day is not a Business Day, the next succeeding Business
        Day, commencing in March 2007.

       

      Document
        Certification and Exception Report: The report attached to Exhibit F-1 or
        F-2, as applicable, hereto.

       

      Due
        Date:
        The day of the month on which the Scheduled Payment is due on a Mortgage
        Loan,
        exclusive of any days of grace.

       

      Due
        Period: With respect to any Distribution Date, the period commencing on the
        second day of the calendar month preceding the month in which the Distribution
        Date occurs and ending on the first day of the calendar month in which the
        Distribution Date occurs.

       

      Eligible
        Account: Either (i) an account maintained with a federal or state chartered
        depository institution or trust company the short-term unsecured debt
        obligations of which (or, in the case of a depository institution or trust
        company that is a subsidiary of a holding company, the short-term unsecured
        debt
        obligations of such holding company) are rated “A-1” by Standard & Poor’s
        and “P-1” by Moody’s (and a comparable rating if another Rating Agency is
        specified by the Depositor by written notice to the related Servicer) at
        the
        time any amounts are held on deposit therein, (ii) a trust account or
        accounts maintained with a federal or state chartered depository institution
        or
        trust company acting in its fiduciary capacity or (iii) any other account
        acceptable to the Certificate Insurer and each Rating Agency. Eligible Accounts
        may bear interest, and may include, if otherwise qualified under this
        definition, accounts maintained with the Trustee.

       

      ERISA:
        The Employee Retirement Income Security Act of 1974, as amended.

       

      ERISA-Restricted
        Certificates: The Class R, Class X, Class X-1 and Class P
        Certificates.

       

      Event
        of
        Default: As defined in Section 7.01.

       

      Excess
        Overcollateralized Amount: With respect to any Distribution Date, the excess,
        if
        any, of (a) the Overcollateralized Amount on such Distribution Date over
        (b) the Specified Overcollateralized Amount for such Distribution
        Date.

       

      Excess
        Reserve Fund Account: The separate, non-interest bearing Eligible Account
        created and maintained by the Trustee pursuant to Section 3.27(a) in the
        name of the Trustee for the benefit of the Certificateholders and designated
        “Deutsche Bank National Trust Company in trust for registered Holders of GSAA
        Home Equity Trust 2007-S1, Mortgage Pass-Through Certificates, Series 2007-S1.”
Funds in the Excess Reserve Fund Account shall be held in trust for the Regular
        Certificateholders for the uses and purposes set forth in this Agreement.
        Amounts on deposit in the Excess Reserve Fund Account shall not be
        invested.

       

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

       

      Expense
        Fee Rate: As to each Mortgage Loan, a per annum rate equal to the sum of
        the
        related Servicing Fee Rate and the Master Servicing Fee Rate.

       

      Expense
        Fees: As to each Mortgage Loan, the sum of the related Servicing Fee and
        the
        Master Servicing Fee Rate.

       

      Extra
        Principal Distribution Amount: As of any Distribution Date, the lesser of
        (x) the Total Monthly Excess Spread for such Distribution Date and
        (y) the Overcollateralization Deficiency for such Distribution
        Date.

       

      Fannie
        Mae: The Federal National Mortgage Association and its successors in
        interest.

       

      Fannie
        Mae Guides: The Fannie Mae Seller’s Guide and the Fannie Mae Servicer’s Guide
        and all amendments or additions thereto.

       

      FDIC:
        The
        Federal Deposit Insurance Corporation, and its successors in
        interest.

       

      Final
        Recovery Determination: With respect to any defaulted Mortgage Loan or any
        REO
        Property (other than a Mortgage Loan or REO Property purchased by the related
        Responsible Party or the Purchaser as contemplated by this Agreement), a
        determination made by the related Servicer that all Insurance Proceeds,
        Condemnation Proceeds, Liquidation Proceeds and other payments or recoveries
        which the related Servicer, in its reasonable good faith judgment, expects
        to be
        finally recoverable in respect thereof have been so recovered. The related
        Servicer shall maintain records, prepared by a Servicing Officer, of each
        Final
        Recovery Determination made thereby.

       

      Final
        Scheduled Distribution Date: With respect to the Certificates (other than
        the
        Class A-IO Certificates), the Distribution Date occurring in February 2037,
        and
        with respect to the Class A-IO Certificates, the Distribution Date occurring
        in
        August 2008.

       

      First
        Lien Mortgage Loan: With respect to each Mortgage Loan, any mortgage loan
        secured by a first lien Mortgage on the related Mortgaged Property.

       

      Fitch:
        Fitch, Inc., and its successors in interest.

       

      Forbearance:
        As defined in Section 3.07(a).

       

      Form
        8-K
        Disclosure Information: As defined in Section 8.12(a)(ii).

       

      Freddie
        Mac: The Federal Home Loan Mortgage Corporation, a corporate instrumentality
        of
        the United States created and existing under Title III of the Emergency
        Home Finance Act of 1970, as amended, and its successors in
        interest.

       

      GreenPoint:
        GreenPoint Mortgage Funding, Inc., a New York corporation, and its successors
        in
        interest.

       

      GreenPoint
        Agreements: Collectively, the GreenPoint Purchase Agreement and the GreenPoint
        Assignment Agreement, copies of which are attached hereto as Exhibit
        Q-2.

       

      GreenPoint
        Assignment Agreement: The Assignment, Assumption and Recognition Agreement,
        dated as of February 28, 2007, by and among GreenPoint, the Sponsor and the
        Depositor.

       

      GreenPoint
        Mortgage Loan: Each Mortgage Loan purchased by the Sponsor pursuant to a
        GreenPoint Purchase Agreement and identified as a "GreenPoint Mortgage Loan"
        on
        the Mortgage Loan Schedule.

       

      GreenPoint
        Purchase Agreement: The Flow Mortgage Loan Purchase and Warranties Agreement,
        dated as of October 1, 2006, between the Sponsor and GreenPoint, and the
        Commitment Letter, dated as of December 1, 2006, solely insofar as the
        GreenPoint Purchase Agreement relates to the GreenPoint Mortgage
        Loans.

       

      High
        Cost
        Mortgage Loan:
        A
        Mortgage Loan that is (a) covered by the Home Ownership and Equity Protection
        Act of 1994, (b) identified, classified or characterized as “high cost,”
“threshold,” “covered”, or “predatory” under any other applicable state, federal
        or local law (or a similarly identified, classified or characterized loan
        using
        different terminology under a law imposing heightened regulatory scrutiny
        or
        additional legal liability for residential mortgage loans having high interest
        rates, points and/or fees) or (c) categorized
        as “High Cost” or “Covered” pursuant to the then-current version of Appendix E
        of the Standard & Poor’s Glossary.

       

      Impac:
        Impac Funding Corporation, a Delaware corporation, and its successors in
        interest.

       

      Impac
        Agreements: Collectively, the Accredited Purchase Agreement and the Accredited
        Assignment Agreement, copies of which are attached hereto as Exhibit
        Q-4.

       

      Impac
        Assignment Agreement: The Assignment, Assumption and Recognition Agreement,
        dated as of February 28, 2007, by and among Impac,
        the
        Sponsor and the Depositor.

       

      Impac
        Mortgage
        Loan: Each Mortgage Loan purchased by the Sponsor pursuant to an Impac
        Purchase
        Agreement and identified as a "
        Impac
        Mortgage
        Loan" on the Mortgage Loan Schedule.

       

      Impac
        Purchase
        Agreement: The Flow Mortgage Loan Purchase and Warranties Agreement, dated
        as of
        April 1, 2006, between the Sponsor and Impac,
        and the
        Commitment Letter, dated as of March 31, 2006, solely insofar as the
Impac
        Purchase
        Agreement relates to the Impac
        Mortgage
        Loans.

       

      Initial
        Certification: The Initial Certification submitted by the Trustee or the
        Custodian substantially in the form of Exhibit E-1 or E-2, as
        applicable.

       

      Insurance
        Agreement: The Insurance and Indemnity Agreement dated as of February 28,
        2007,
        among the Certificate Insurer, the Sponsor and the Depositor, including any
        amendments and supplements thereto in accordance with the terms
        thereof.

       

      Insurance
        Proceeds: With respect to each Mortgage Loan, proceeds of insurance policies
        insuring the Mortgage Loan or the related Mortgaged Property.

       

      Interest
        Accrual Period: With respect to the LIBOR Certificates and any Distribution
        Date, the period commencing on the immediately preceding Distribution Date
        (or,
        for the initial Distribution Date, the Closing Date) and ending on the day
        immediately preceding the current Distribution Date. With respect to the
        Fixed
        Certificates and any Distribution Date, the calendar month preceding the
        month
        in which such Distribution Date occurs. For purposes of computing interest
        accruals on each Class of LIBOR Certificates, each Interest Accrual Period
        has
        the actual number of days in such period and each year is assumed to have
        360
        days. For purposes of computing interest accruals on the Fixed Certificates,
        each Interest Accrual Period has 30 days in such period and each year is
        assumed
        to have 360 days.

       

      Interest
        Rate Swap Agreement: The interest rate swap agreement, dated as of February
        28,
        2007, and the related confirmation, dated February 28, 2007, between the
        Swap
        Provider and the Supplemental Interest Trust Trustee, on behalf of the
        Supplemental Interest Trust or any swap agreement (including any related
        schedules) entered into, a copy of which is attached hereto as Exhibit
        U.

       

      Interest
        Remittance Amount: With respect to any Distribution Date, that portion of
        Available Funds attributable to interest relating to the Mortgage Loans,
        net of
        the applicable fees payable to the Servicers and the Master Servicer and
        the
        Premium payable to the Certificate Insurer for such Distribution Date, and
        net
        of any Net Swap Payments and Swap Termination Payments, other than Defaulted
        Swap Termination Payments, payable to the Swap Provider with respect to such
        Distribution Date.

       

      Investment
        Account: As defined in Section 3.12(a).

       

      Investor:
        With respect to each MERS Designated Mortgage Loan, the Person named on the
        MERS
        System as the investor pursuant to the MERS Procedures Manual.

       

      Irwin:
        Irwin Union Bank and Trust Company, an Indiana banking corporation, and its
        successors in interest.

       

      Irwin
        Agreements: Collectively, the Irwin Purchase Agreement and the Irwin Assignment
        Agreement, copies of which are attached hereto as Exhibit Q-3.

       

      Irwin
        Assignment Agreement: The Assignment, Assumption and Recognition Agreement,
        dated as of February 28, 2007, by and among Irwin, the Sponsor and the
        Depositor.

       

      Irwin
        Mortgage Loan: Each Mortgage Loan purchased by the Sponsor pursuant to a
        Irwin
        Purchase Agreement and identified as a "Irwin Mortgage Loan" on the Mortgage
        Loan Schedule.

       

      Irwin
        Purchase Agreement: The Flow Mortgage Loan Purchase and Warranties Agreement,
        dated as of September 1, 2006, between the Sponsor and Irwin, and the Commitment
        Letter, dated as of August 7, 2006, solely insofar as the Irwin Purchase
        Agreement relates to the Irwin Mortgage Loans.

       

      Late
        Collections: With respect to any Mortgage Loan and any Due Period, all amounts
        received after the Determination Date immediately following such Due Period,
        whether as late payments of Scheduled Payments or as Insurance Proceeds,
        Condemnation Proceeds, Liquidation Proceeds or otherwise, which represent
        late
        payments or collections of principal and/or interest due (without regard
        to any
        acceleration of payments under the related Mortgage and Mortgage Note) but
        delinquent for such Due Period and not previously recovered.

       

      Lender:
        As defined in Section 11.07.

       

      LIBOR:
        With respect to any Interest Accrual Period for the LIBOR Certificates, the
        rate
        determined by the Trustee on the related LIBOR Determination Date on the
        basis
        of the offered rate for one-month U.S. dollar deposits as such rate appears
        on
        Telerate Page 3750 as of 11:00 a.m. (London time) on such date; provided,
        that
        if such rate does not appear on Telerate Page 3750, the rate for such date
        will
        be determined on the basis of the rates at which one-month U.S. dollar deposits
        are offered by the Reference Banks at approximately 11:00 a.m. (London time)
        on
        such date to prime banks in the London interbank market. In such event, the
        Trustee shall request the principal London office of each of the Reference
        Banks
        to provide a quotation of its rate. If at least two such quotations are
        provided, the rate for that date will be the arithmetic mean of the quotations
        (rounded upwards if necessary to the nearest whole multiple of 1/16%). If
        fewer
        than two quotations are provided as requested, the rate for that date will
        be
        the arithmetic mean of the rates quoted by major banks in New York City,
        selected by the Trustee (after consultation with the Depositor), at
        approximately 11:00 a.m. (New York City time) on such date for one-month
        U.S.
        dollar deposits of leading European banks.

       

      LIBOR
        Determination Date: With respect to any Interest Accrual Period for the LIBOR
        Certificates, the second London Business Day preceding the commencement of
        such
        Interest Accrual Period.

       

      Liquidated
        Mortgage Loan: With respect to any Distribution Date, (i) a defaulted Mortgage
        Loan (including any REO Property) which was liquidated during the immediately
        preceding Prepayment Period and as to which the related Servicer has certified
        (in accordance with this Agreement) that it has made a Final Recovery
        Determination and (ii) any Charged Off Loan.

       

      Liquidation
        Event: With respect to any Mortgage Loan, any of the following events:
        (i) such Mortgage Loan is paid in full; (ii) a Final Recovery
        Determination is made as to such Mortgage Loan; (iii) such Mortgage Loan is
        removed from coverage under this Agreement by reason of its being purchased,
        sold, transferred or replaced pursuant to or as contemplated by this Agreement
        or (iv) such Mortgage Loan becomes a Charged Off Loan pursuant to Section
        3.15.
        With respect to any REO Property, either of the following events: (i) a
        Final Recovery Determination is made as to such REO Property; or (ii) such
        REO Property is removed from coverage under this Agreement by reason of its
        being purchased pursuant to this Agreement.

       

      Liquidation
        Proceeds: The amounts, including Insurance Proceeds, Condemnation Proceeds
        or
        those received following the acquisition of REO Property, received in connection
        with the liquidation of a defaulted Mortgage Loan, whether through a trustee’s
        sale, foreclosure sale or otherwise, including any Subsequent Recoveries
        in each
        case, which are remaining after, or not otherwise required to be applied
        to, the
        satisfaction of any related First Lien Mortgage Loan.

       

      London
        Business Day: Any day on which dealings in deposits of United States dollars
        are
        transacted in the London interbank market.

       

      M&T:
        M&T Bank, a New York state chartered commercial bank, and its successors in
        interest.

       

      M&T
        Agreements: Collectively, the M&T Purchase Agreement and the M&T
        Assignment Agreement, copies of which are attached hereto as Exhibit
        Q-1.

       

      M&T
        Assignment Agreement: The Assignment, Assumption and Recognition Agreement,
        dated as of February 28, 2007, by and among M&T, the Sponsor and the
        Depositor.

       

      M&T
        Mortgage Loan: Each Mortgage Loan purchased by the Sponsor pursuant to a
        M&T
        Purchase Agreement and identified as a "M&T Mortgage Loan" on the Mortgage
        Loan Schedule.

       

      M&T
        Purchase Agreement: Collectively, Master Mortgage Loan Purchase and Servicing
        Agreement, dated as of November 1, 2005, between the Sponsor and M&T, and
        the Commitment Letters, dated as of August 17, 2006, and November 2, 2006,
        respectively, solely insofar as the M&T Purchase Agreement relates to the
        M&T Mortgage Loans.

       

      Marker
        Rate: With respect to the Class X Certificates and any Distribution Date,
        a per
        annum rate equal to two (2) times the weighted average of the REMIC III
        Remittance Rate for each of REMIC III Regular Interest A1 and REMIC III Regular
        Interest ZZ, with the rate on REMIC III Regular Interest A1 subject to a
        cap
        equal to the Pass-Through Rate for the Class A-1 Certificates for the purpose
        of
        this calculation for such Distribution Date and with the rate on REMIC III
        Regular Interest ZZ subject to a cap of zero for the purpose of this
        calculation; provided however, the cap for REMIC III Regular Interest A1
        shall
        be multiplied by a fraction the numerator of which is the actual number of
        days
        in the related Interest Accrual Period and the denominator of which is
        30.

       

      Majority
        Class X Certificateholder: The Holder or Holders of a majority of the Percentage
        Interests in the Class X Certificates.

       

      Master
        Servicer: Wells Fargo Bank, National Association, and if a successor master
        servicer is appointed hereunder, such successor.

       

      Master
        Servicer Collection Account: The separate Eligible Account established and
        maintained by the Master Servicer with respect to the Mortgage Loans and
        REO
        Property in accordance with Section 9.12 hereof.

       

      Master
        Servicer Event of Default: As defined in Section 9.04.

       

      Master
        Servicer Float Period: With respect to any Distribution Date and the amounts
        in
        the Master Servicer Collection Account, the period commencing on the related
        Servicer Remittance Date of the Servicers immediately preceding such
        Distribution Date and ending on the day prior to the Master Servicer Remittance
        Date.

       

      Master
        Servicer Remittance Date: With
        respect to any Distribution Date, the 21st of the month in which such
        Distribution Date occurs, or, if that day is not a Business Day, the immediately
        preceding Business Day, except that if the 21st of the month falls on a Sunday,
        the Master Servicer Remittance Date will be the next succeeding Business
        Day.

       

      Master
        Servicing Fee: As to each Mortgage Loan and any Distribution Date, an amount
        equal to one month’s compensation at the Master Servicing Fee Rate on the Stated
        Principal Balance of such Mortgage Loan as of the preceding Distribution
        Date
        (or as of the Closing Date in the case of the first Distribution Date) or,
        in the event of any payment of interest which accompanies a Principal Prepayment
        in Full made by the Mortgagor, compensation at the Master Servicing Fee Rate
        on
        the Stated Principal Balance of such Mortgage Loan for the period covered
        by
        such payment of interest.

       

      Master
        Servicing Fee Rate: With respect to any Mortgage Loan, a per annum rate equal
        to
        0.010%.

       

      Master
        Servicing Officer: Any officer of the Master Servicer involved in, or
        responsible for, the master servicing of the Mortgage Loans.

       

      Maximum
        ZZ Uncertificated Interest Deferral Amount: With respect to any Distribution
        Date, the excess of (i) accrued interest at the REMIC III Remittance Rate
        applicable to REMIC III Regular Interest ZZ for such Distribution Date on
        a
        balance equal to the Uncertificated Balance of REMIC III Regular Interest
        ZZ
        minus the REMIC III Overcollateralization Amount, in each case for such
        Distribution Date, over (ii) Uncertificated Interest on REMIC III Regular
        Interest A1 and with the rate on such REMIC III Regular Interest subject
        to a
        cap equal to the Pass-Through Rate for the Class A-1 Certificates for the
        purpose of this calculation for such Distribution Date; provided however,
        the
        cap for REMIC III Regular Interest A1 shall be multiplied by a fraction the
        numerator of which is the actual number of days in the related Interest Accrual
        Period and the denominator of which is 30.

       

      MERS
        Designated Mortgage Loan: Mortgage Loans for which (a) the Responsible Party
        has
        designated or will designate MERS as, and has taken or will take such action
        as
        is necessary to cause MERS to be, the mortgagee of record, as nominee for
        the
        Responsible Party, in accordance with MERS Procedure Manual and (b) the
        Responsible Party has designated or will designate the Trust as the Investor
        on
        the MERS® System.

       

      MERS
        Procedure Manual: The MERS Procedures Manual, as it may be amended, supplemented
        or otherwise modified from time to time.

       

      MERS®
        System: MERS mortgage electronic registry system, as more particularly described
        in the MERS Procedures Manual.

       

      Monthly
        Statement: The statement made available to the related Certificateholders
        pursuant to Section 4.04.

       

      Moody’s:
        Moody’s Investors Service, Inc. and its successor in interest. If Moody’s is
        designated as a Rating Agency in the Preliminary Statement, for purposes
        of
        Section 10.05(b) the address for notices to Moody’s shall be Moody’s
        Investors Service, Inc., 99 Church Street, New York, New York 10007, Attention:
        Residential Mortgage Pass-Through Group, or such other address as Moody’s may
        hereafter furnish to the Depositor, the Servicers, the Trustee, the Master
        Servicer, the Certificate Insurer and the Custodian.

       

      Mortgage:
        The mortgage, deed of trust or other instrument identified on the Mortgage Loan
        Schedule as securing a Mortgage Note.

       

      Mortgage
        File: The items pertaining to a particular Mortgage Loan contained in either
        the
        Servicing File or Custodial File.

       

      Mortgage
        Interest Rate: The annual rate of interest borne on a Mortgage Note with
        respect
        to each Mortgage Loan.

       

      Mortgage
        Loan: An individual Mortgage Loan which is the subject of this Agreement,
        each
        Mortgage Loan originally sold and subject to this Agreement being identified
        on
        the Mortgage Loan Schedule, which Mortgage Loan includes, without limitation,
        the Mortgage File, the Custodial File, the Servicing File, the Scheduled
        Payments, Principal Prepayments, Liquidation Proceeds, Condemnation Proceeds,
        Insurance Proceeds, REO Disposition proceeds, Prepayment Premiums and all
        other rights, benefits, proceeds and obligations arising from or in connection
        with such Mortgage Loan, excluding replaced or repurchased Mortgage
        Loans.

       

      Mortgage
        Loan Documents: The mortgage loan documents pertaining to each Mortgage
        Loan.

       

      Mortgage
        Loan Schedule: A schedule of Mortgage Loans annexed hereto as Schedule I,
        such
        schedule setting forth the following information with respect to each Mortgage
        Loan as of the Cut-off Date: (1) the applicable Responsible Party Mortgage
        Loan identifying number; (2) the Mortgagor’s name; (3) the street address of the
        Mortgaged Property including the city, state and zip code; (4) a code indicating
        whether the Mortgaged Property is owner-occupied, a second home or investment
        property; (5) the number and type of residential units constituting the
        Mortgaged Property (i.e., a single family residence, a 2-4 family residence,
        a
        unit in a condominium project or a unit in a planned unit development or
        a
        manufactured housing unit); (6) the original months to maturity or the remaining
        months to maturity from the Cut-off Date, in any case based on the original
        amortization schedule and, if different, the maturity expressed in the same
        manner but based on the actual amortization schedule; (7) the Combined
        Loan-to-Value Ratio at origination; (8) the Mortgage Interest Rate as of
        the
        Cut-off Date; (9) the date on which the Scheduled Payment was due on the
        Mortgage Loan and, if such date is not consistent with the Due Date currently
        in
        effect, such Due Date; (10) the stated maturity date; (11) the amount of
        the
        Scheduled Payment as of the Cut-off Date; (12) the last payment date on which
        a
        Scheduled Payment was actually applied to pay interest and the outstanding
        principal balance; (13) the original principal amount of the Mortgage Loan;
        (14)
        the principal balance of the Mortgage Loan as of the close of business on
        the
        Cut-off Date, after deduction of payments of principal due and collected
        on or
        before the Cut-off Date; (15) a code indicating the purpose of the loan (i.e.,
        purchase, rate and term refinance, equity take-out refinance); (16) a code
        indicating the documentation style (i.e., full documentation, limited
        documentation or stated income); (17) the loan credit classification (as
        described in the Underwriting Guidelines); (18) whether such Mortgage Loan
        provides for a Prepayment Premium; (19) the Prepayment Premium period of
        such
        Mortgage Loan, if applicable; (20) a description of the Prepayment Premium,
        if
        applicable; (21) the Mortgage Interest Rate as of origination; (22) the credit
        risk score (FICO score) at origination; (23) the date of origination; (24)
        a
        code indicating whether the Mortgage Loan has been modified; (25) the payment
        history; (26) the Due Date for the first Scheduled Payment; (27) the original
        Scheduled Payment due; (28) with respect to the related Mortgagor, the
        debt-to-income ratio; (29) the Appraised Value of the Mortgaged Property;
        (30)
        the sales price of the Mortgaged Property if the Mortgage Loan was originated
        in
        connection with the purchase of the Mortgaged Property; (31) the Mortgage
        Interest Rate calculation method (i.e., 30/360, simple interest, other);
        (32) a
        code indicating whether the Mortgage Loan is a “Section 32 Mortgage Loan”; (33)
        a code indicating whether the Mortgage Loan is assumable; (34) a code indicating
        if a Mortgage Loan is or has had a 30 Day Delinquency; (35) with respect
        to each
        MERS Designated Mortgage Loan, the MERS identification number and (36) a
        code
        indicating the custodian of such Mortgage Loan. With respect to the Mortgage
        Loans in the aggregate: (1) the number of Mortgage Loans; (2) the
        current aggregate outstanding principal balance of the Mortgage Loans;
        (3) the weighted average Mortgage Interest Rate of the Mortgage Loans; and
        (4) the weighted average maturity of the Mortgage Loans.

       

      Mortgage
        Note: The note or other evidence of the indebtedness of a Mortgagor under
        a
        Mortgage Loan, including all riders thereto.

       

      Mortgaged
        Property: The real property (or leasehold estate, if applicable) identified
        on
        the Mortgage Loan Schedule as securing repayment of the debt evidenced by
        a
        Mortgage Note.

       

      Mortgagor:
        The obligor(s) on a Mortgage Note.

       

      Net
        Monthly Excess Cash Flow: For any Distribution Date the amount remaining
        for
        distribution pursuant to subsection 4.02(a)(iii) (before giving effect to
        distributions pursuant to such subsection).

       

      Net
        Prepayment Interest Shortfall: For any Distribution Date and the Mortgage
        Loans,
        the amount by which the sum of the Prepayment Interest Shortfalls with respect
        to the Mortgage Loans exceeds the sum of the Compensating Interest payments
        made
        with respect to such Distribution Date.

       

      Net
        Swap
        Payment: With respect to any Distribution Date, any net payment (other than
        a
        Swap Termination Payment) made by the Trust to the Swap Provider on the related
        Fixed Rate Payer Payment Date (as defined in the Interest Rate Swap
        Agreement).

       

      Net
        Swap
        Receipt: With respect to any Distribution Date, any net payment (other than
        a
        Swap Termination Payment) made by the Swap Provider to the Trust on the related
        Floating Rate Payer Payment Date (as defined in the Interest Rate Swap
        Agreement).

       

      New
        Century:
        New
        Century Mortgage Corporation, a California corporation, and its successors
        in
        interest.

       

      New
        Century
        Agreements: Collectively, the New
        Century
        Purchase
        Agreement and the New
        Century
        Assignment Agreement, copies of which are attached hereto as Exhibit
        Q-6.

       

      New
        Century
        Assignment Agreement: The Assignment, Assumption and Recognition Agreement,
        dated as of February 28, 2007, by and among New
        Century,
        the
        Sponsor and the Depositor.

       

      New
        Century
        Mortgage
        Loan: Each Mortgage Loan purchased by the Sponsor pursuant to a New
        Century Purchase
        Agreement and identified as a “New
        Century Mortgage
        Loan” on the Mortgage Loan Schedule.

       

      New
        Century
        Purchase
        Agreement: The Flow Mortgage Loan Purchase and Warranties Agreement, dated
        as of
        March 1, 2006, between the Sponsor and New
        Century,
        and the
        Commitment Letter, dated as of September 18, 2006, solely insofar as the
        New
        Century Purchase
        Agreement relates to the New
        Century
        Mortgage
        Loans.

       

      90+
        Day
        Delinquent Mortgage Loan: Each Mortgage Loan with respect to which any portion
        of a Scheduled Payment is, as of the last day of the prior Due Period, three
        months or more past due (without giving effect to any grace period), each
        Mortgage Loan in foreclosure, all REO Property and each Mortgage Loan for
        which
        the Mortgagor has filed for bankruptcy.

       

      Nonrecoverable
        P&I Advance: Any P&I Advance previously made or proposed to be made in
        respect of a Mortgage Loan or REO Property that, in the good faith business
        judgment of the related Servicer, the Master Servicer or any successor Master
        Servicer, as applicable, will not or, in the case of a proposed P&I Advance,
        would not be ultimately recoverable from related late payments, Insurance
        Proceeds, Condemnation Proceeds or Liquidation Proceeds on such Mortgage
        Loan or
        REO Property as provided herein.

       

      Nonrecoverable
        Servicing Advance: Any Servicing Advances previously made or proposed to
        be made
        in respect of a Mortgage Loan or REO Property, which, in the good faith business
        judgment of the related Servicer or the Master Servicer or any successor
        Master
        Servicer, as applicable, will not or, in the case of a proposed Servicing
        Advance, would not, be ultimately recoverable from related Insurance Proceeds,
        Condemnation Proceeds, Liquidation Proceeds or otherwise.

       

      Notice
        of
        Final Distribution: The notice to be provided pursuant to Sections 10.02
        and 10.03 to the effect that final distribution on any of the related
        Certificates shall be made only upon presentation and surrender
        thereof.

       

      Notional
        Amount: With respect to the Class X Certificates for purposes solely of the
        face
        thereof, the aggregate Stated Principal Balance of the Mortgage Loans. With
        respect to the Class X Certificates and any Distribution Date, the aggregate
        Uncertificated Balances of the REMIC III Regular Interests (other than REMIC
        III
        Regular Interest A-IO and REMIC III Regular Interest SWAP-IO) for such
        Distribution Date. As of the Closing Date, the Notional Amount of the Class
        X
        Certificates is equal to $298,440,360.32.

       

      Ocwen:
        Ocwen Loan Servicing, LLC, a Delaware limited liability company, and its
        successors in interest.

       

      Offered
        Certificates: As specified in the Preliminary Statement.

       

      Officer’s
        Certificate: A certificate signed by an officer of the related Servicer or
        the
        Master Servicer with responsibility for the servicing of the related Mortgage
        Loans required to be serviced by such Servicer and listed on a list delivered
        to
        the Trustee and the Certificate Insurer pursuant to this Agreement.

       

      Opinion
        of Counsel: A written opinion of counsel, who may be in-house counsel for
        the
        related Servicer or a Subservicer, reasonably acceptable to the Trustee and
        the
        Certificate Insurer; provided, that any Opinion of Counsel relating to
        (a) qualification of any Trust REMIC as a REMIC or (b) compliance with
        the REMIC Provisions, must (unless otherwise stated in such Opinion of Counsel)
        be an opinion of counsel who (i) is in fact independent of the related
        Servicer or the Master Servicer of the Mortgage Loans, (ii) does not have
        any material direct or indirect financial interest in the related Servicer
        or
        the Master Servicer of the Mortgage Loans or in an affiliate of such Servicer
        and (iii) is not connected with the related Servicer or the Master Servicer
        of the Mortgage Loans as an officer, employee, director or person performing
        similar functions.

       

      Optional
        Termination Date: The date on which the Terminating Entity, pursuant to Section
        10.01, shall cause the Optional Termination Date to occur on any Distribution
        Date on which the aggregate Stated Principal Balance of the Mortgage Loans,
        as
        of the last day of the related Due Period, is equal to 10% or less of the
        Cut-off Date Pool Principal Balance.

       

      OTS:
        Office of Thrift Supervision, and any successor thereto.

       

      Outstanding:
        With respect to the Certificates as of any date of determination, all
        Certificates theretofore executed and authenticated under this Agreement
        except:

       

      (i) Certificates
        theretofore cancelled by the Trustee or delivered to the Trustee for
        cancellation; and

       

      (ii) Certificates
        in exchange for which or in lieu of which other Certificates have been executed
        and delivered by the Trustee pursuant to this Agreement.

       

      Outstanding
        Mortgage Loan: As of any Due Date, a Mortgage Loan with a Stated Principal
        Balance greater than zero which was not the subject of a Principal Prepayment
        in
        Full prior to such Due Date and which did not become a Liquidated Mortgage
        Loan
        prior to such Due Date.

       

      Overcollateralized
        Amount: As of any Distribution Date, the excess, if any, of (a) the
        aggregate Stated Principal Balance of the Mortgage Loans for such Distribution
        Date over (b) the aggregate of the Class Certificate Balances of the
        Certificates as of such Distribution Date (after giving effect to the payment
        of
        the Principal Remittance Amount on such Certificates on such Distribution
        Date).

       

      Overcollateralization
        Deficiency: With respect to any Distribution Date, the excess, if any, of
        (a) the Specified Overcollateralized Amount applicable to such Distribution
        Date over (b) the Overcollateralized Amount applicable to such Distribution
        Date.

       

      Overcollateralization
        Floor: With respect to any Distribution Date, 0.50% of the aggregate Stated
        Principal Balance of the Mortgage Loans as of the Cut-off Date. Notwithstanding
        the foregoing, on and after any Distribution Date following the reduction
        of the
        aggregate Class Certificate Balance of the Offered Certificates to zero,
        the
        Overcollateralization Floor shall be zero.

       

      Overcollateralization
        Reduction Amount: With respect to any Distribution Date, an amount equal
        to the
        lesser of (a) the Excess Overcollateralized Amount and (b) the Net
        Monthly Excess Cash Flow.

       

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

       

      P&I
        Advance: As to any Mortgage Loan or REO Property, any advance made by the
        related Servicer (or the Master Servicer as successor Servicer) in respect
        of
        any Servicer Remittance Date representing the aggregate of all payments of
        principal and interest, net of the related Servicing Fee or the Master Servicing
        Fee, as applicable, that were due during the related Due Period on the related
        Mortgage Loans and that were delinquent on the related Determination Date,
        plus
        certain amounts representing assumed payments not covered by any current
        net
        income on the Mortgaged Properties acquired by foreclosure or deed in lieu
        of
        foreclosure as determined pursuant to Section 4.01; provided, however, that
        with respect to (i) any Mortgage Loan that is 180 days delinquent or more
        (whether or not the Mortgage Loan has been converted to an REO Property)
        and
        becomes a Charged Off Loan, (ii) shortfalls due to bankruptcy proceedings
        or the
        application of the Relief Act or similar laws and (iii) the principal portion
        of
        any amount due on a balloon loan, there will be no obligation to make P&I
        Advances and, provided further, however, that with respect to any Mortgage
        Loan
        that has been converted to an REO Property which is less than 180 days
        delinquent, the obligation to make P&I Advances shall be calculated after
        taking into account rental income.

       

      Pass-Through
        Margin: With respect to the Class A-1 Certificates, 0.170%. On the first
        Distribution Date after the Optional Termination Date, the Pass-Through Margin
        shall increase to, with respect to the Class A-1 Certificates,
        0.340%.

       

      Pass-Through
        Rate: With respect to the Class A-1 Certificates, a rate per annum equal
        to the
        lesser of (i) LIBOR plus the related Pass-Through Margin and (ii) the WAC
        Cap.

       

      With
        respect to the Class A-IO Certificates, a rate per annum equal to the lesser
        of
        (i) 6.000% and (ii) the WAC Cap. For federal income tax purposes, the Class
        A-IO
        Certificates will not have a Pass-Through Rate, but will be entitled to 100%
        of
        amounts distributed on REMIC III Regular Interest A-IO.

       

      With
        respect to the Class X Certificates and any Distribution Date, a rate per
        annum
        equal to the percentage equivalent of a fraction, the numerator of which
        is the
        sum of the amounts calculated pursuant to clauses (1) through (3) below,
        and the
        denominator of which is the aggregate Uncertificated Balances of REMIC III
        Regular Interest AA, REMIC III Regular Interest A1 and REMIC III Regular
        Interest ZZ. For purposes of calculating the Pass-Through Rate for the Class
        X
        Certificates, the numerator is equal to the sum of the following
        components:

       

      (1) the
        REMIC
        III Remittance Rate for REMIC III Regular Interest AA minus the Marker Rate,
        applied to an amount equal to the Uncertificated Balance of REMIC III Regular
        Interest AA;

       

      (2) the
        REMIC
        III Remittance Rate for REMIC III Regular Interest A1 minus the Marker Rate,
        applied to an amount equal to the Uncertificated Balance of REMIC III Regular
        Interest A1;

       

      (3) the
        REMIC
        III Remittance Rate for REMIC III Regular Interest ZZ minus the Marker Rate,
        applied to an amount equal to the Uncertificated Balance of REMIC III Regular
        Interest ZZ.

       

      Percentage
        Interest: As to any Certificate, the percentage interest evidenced thereby
        in
        distributions required to be made on the related Class, such percentage interest
        being set forth on the face thereof or equal to the percentage obtained by
        dividing the Denomination of such Certificate by the aggregate of the
        Denominations of all Certificates of the same Class.

       

      Permitted
        Investments: Any one or more of the following obligations or securities acquired
        at a purchase price of not greater than par, regardless of whether issued
        by the
        related Servicer, the Trustee or any of their respective
        Affiliates:

       

      (i) direct
        obligations of, or obligations fully guaranteed as to timely payment of
        principal and interest by, the United States or any agency or instrumentality
        thereof, provided such obligations are backed by the full faith and credit
        of
        the United States;

       

      (ii) demand
        and time deposits in, certificates of deposit of, or bankers’ acceptances (which
        shall each have an original maturity of not more than 90 days and, in the
        case
        of bankers’ acceptances, shall in no event have an original maturity of more
        than 365 days or a remaining maturity of more than 30 days) denominated in
        United States dollars and issued by any Depository Institution and rated
        P-1 by
        Moody’s, F-1 by Fitch and A-1+ by Standard & Poor’s (in each case, to the
        extent they are designated as Rating Agencies in the Preliminary
        Statement);

       

      (iii) repurchase
        obligations with respect to any security described in clause (i) above
        entered into with a Depository Institution (acting as principal);

       

      (iv) securities
        bearing interest or sold at a discount that are issued by any corporation
        incorporated under the laws of the United States of America or any state
        thereof
        and that are rated by each Rating Agency that rates such securities in its
        highest long-term unsecured rating categories at the time of such investment
        or
        contractual commitment providing for such investment;

       

      (v) commercial
        paper (including both non-interest-bearing discount obligations and
        interest-bearing obligations payable on demand or on a specified date not
        more
        than 30 days after the date of acquisition thereof) that is rated by each
        Rating Agency that rates such securities in its highest short-term unsecured
        debt rating available at the time of such investment;

       

      (vi) units
        of
        money market funds, including money market funds advised by the Depositor
        or the
        Trustee or an Affiliate thereof, that have been rated “Aaa” by Moody’s, “AAAm”
or “AAAm-G” by Standard & Poor’s and at least “AA” by Fitch (in each case,
        to the extent they are designated as Rating Agencies in the Preliminary
        Statement); and

       

      (vii) if
        previously confirmed in writing to the Trustee, any other demand, money market
        or time deposit, or any other obligation, security or investment, as may
        be
        acceptable to the Certificate Insurer and the Rating Agencies as a permitted
        investment of funds backing “Aaa” or “AAA” rated securities;

       

      provided,
        however, that no instrument described hereunder shall evidence either the
        right
        to receive (a) only interest with respect to the obligations underlying
        such instrument or (b) both principal and interest payments derived from
        obligations underlying such instrument and the interest and principal payments
        with respect to such instrument provide a yield to maturity at par greater
        than
        120% of the yield to maturity at par of the underlying obligations. For
        investments in the Distribution Account (except during the Trustee Float
        Period), only the obligations or securities (or instruments which invest
        in the
        obligations or securities) specified in clause (i) above shall constitute
        Permitted Investments.

       

      Permitted
        Transferee: Any Person other than (i) the United States, any State or
        political subdivision thereof, or any agency or instrumentality of any of
        the
        foregoing, (ii) a foreign government, international organization or any
        agency or instrumentality of either of the foregoing, (iii) an organization
        (except certain farmers’ cooperatives described in Section 521 of the Code)
        which is exempt from tax imposed by Chapter 1 of the Code (including the
        tax
        imposed by Section 511 of the Code on unrelated business taxable income) on
        any excess inclusions (as defined in Section 860E(c)(1) of the Code) with
        respect to any Residual Certificate, (iv) rural electric and telephone
        cooperatives described in Section 1381(a)(2)(C) of the Code, (v) a
        Person that is not a U.S. Person or a U.S. Person with respect to whom income
        from a Residual Certificate is attributable to a foreign permanent establishment
        or fixed base (within the meaning of an applicable income tax treaty) of
        such
        Person or any other U.S. Person, (vi) an “electing large partnership”
within the meaning of Section 775 of the Code and (vii) any other
        Person so designated by the Depositor based upon an Opinion of Counsel that
        the
        Transfer of an Ownership Interest in a Residual Certificate to such Person
        may
        cause either Trust REMIC to fail to qualify as a REMIC at any time that the
        Certificates are outstanding. The terms “United States,” “State” and
“international organization” shall have the meanings set forth in
        Section 7701 of the Code or successor provisions. A corporation will not be
        treated as an instrumentality of the United States or of any State or political
        subdivision thereof for these purposes if all of its activities are subject
        to
        tax and, with the exception of the Freddie Mac, a majority of its board of
        directors is not selected by such government unit.

       

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

       

      Physical
        Certificates: As specified in the Preliminary Statement.

       

      Policy:
        The financial guaranty insurance policy (No. CIFG NA-1522) with respect to
        the
        Class A-1 Certificates and all endorsements thereto, if any, dated the Closing
        Date, issued by the Certificate Insurer for the benefit of the holders of
        the
        Class A-1 Certificates only.

       

      Policy
        Payments Account: As defined in Section 8.16.

       

      Pool
        Stated Principal Balance: As to any Distribution Date, the aggregate of the
        Stated Principal Balances of the Mortgage Loans for such Distribution Date
        that
        were Outstanding Mortgage Loans on the Due Date in the related Due
        Period.

       

      Premium:
        The premium due to the Certificate Insurer calculated based on the product
        of
        the Premium Percentage and the Class Principal Balance of the Class A-1
        Certificates as of the immediately preceding Distribution Date, based on
        a
        360-day year consisting of twelve 30-day months.

       

      Premium
        Percentage: 0.23% per annum.

       

      Prepayment
        Interest Shortfall: With respect to any Servicer Remittance Date, the sum
        of,
        for each Mortgage Loan that was, during the portion of the related Prepayment
        Period occurring in the calendar month preceding such Servicer Remittance
        Date,
        the subject of a voluntary Principal Prepayment in Full, an amount equal
        to the
        product of (a) the Mortgage Interest Rate net of the related Servicing Fee
        Rate for such Mortgage Loan, (b) the amount of the Principal Prepayment for
        such Mortgage Loan, (c) 1/360 and (d) the lesser of (i) the number of
        days commencing on the date on which such Principal Prepayment was applied
        and
        ending on the last day of the related Prepayment Period and (ii)
        30.

       

      Prepayment
        Period: With respect to any Distribution Date and each Principal Prepayment,
        the
        calendar month preceding the month in which that Distribution Date
        occurs.

       

      Prepayment
        Premium: Any prepayment premium, penalty or charge collected by the related
        Servicer with respect to a Mortgage Loan from a Mortgagor in connection with
        any
        voluntary Principal Prepayment pursuant to the terms of the related Mortgage
        Note.

       

      Principal
        Distribution Amount: For any Distribution Date, the sum of (i) the Basic
        Principal Distribution Amount for such Distribution Date and (ii) the Extra
        Principal Distribution Amount for such Distribution Date.

       

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

       

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

       

      Principal
        Remittance Amount: With respect to any Distribution Date, the amount equal
        to
        the sum of the following amounts (without duplication) with respect to the
        related Due Period: (i) each scheduled payment of principal on a Mortgage
        Loan due during such Due Period and received by the Servicers on or prior
        to the
        related Determination Date or advanced by the Servicers for the related Servicer
        Remittance Date, (ii) all related Principal Prepayments received during the
        related Prepayment Period, (iii) all Liquidation Proceeds, Condemnation
        Proceeds and Insurance Proceeds on the Mortgage Loans allocable to principal
        actually collected by the Servicers during the related Prepayment Period,
        (iv) the portion of the Repurchase Price allocable to principal with
        respect to each Deleted Mortgage Loan, the repurchase obligation for which
        arose
        during the related Prepayment Period, that was repurchased during the period
        from the prior Determination Date through the Determination Date for the
        current
        Distribution Date, (v) the portion of all Substitution Adjustment Amounts
        allocable to principal with respect to the substitutions of Mortgage Loans
        that
        occur during the calendar month in which such Distribution Date occurs, and
        (vi)
        the allocable portion of the proceeds received with respect to the termination
        of the Trust Fund pursuant to clause (a) of Section 10.01 (to the
        extent such proceeds relate to principal).

       

      Privacy
        Laws: Title V of the Gramm-Leach-Bliley Act of 1999, as amended, and all
        applicable regulations promulgated thereunder.

       

      Private
        Certificates: As specified in the Preliminary Statement.

       

      Prospectus
        Supplement: The Prospectus Supplement, dated February 26, 2007, relating
        to the
        Offered Certificates.

       

      PTCE
        95-60: As defined in Section 5.02(b).

       

      PUD:
        A
        planned unit development.

       

      Purchaser:
        Goldman Sachs Mortgage Company, a New York limited partnership, and its
        successors in interest.

       

      Rating
        Agency: Each of the Rating Agencies specified in the Preliminary Statement.
        If
        such organization or a successor is no longer in existence, “Rating Agency”
shall be such nationally recognized statistical rating organization, or other
        comparable Person, as is designated by the Depositor, notice of which
        designation shall be given to the Trustee. References herein to a given rating
        or rating category of a Rating Agency shall mean such rating category without
        giving effect to any modifiers. For purposes of Section 10.05(b), the
        addresses for notices to each Rating Agency shall be the address specified
        therefor in the definition corresponding to the name of such Rating Agency,
        or
        such other address as either such Rating Agency may hereafter furnish to
        the
        Depositor, the Certificate Insurer, the Master Servicer and each
        Servicer.

       

      Realized
        Losses: With respect to any date of determination and any Liquidated Mortgage
        Loan, the amount, if any, by which (a) the unpaid principal balance of such
        Liquidated Mortgage Loan together with accrued and unpaid interest thereon
        exceeds (b) the Liquidation Proceeds with respect thereto net of the
        expenses incurred by the related Servicer in connection with the liquidation
        of
        such Liquidated Mortgage Loan and net of the amount of unreimbursed Servicing
        Advances with respect to such Liquidated Mortgage Loan. Any Charged Off Loan
        will give rise to a Realized Loss (calculated as if clause (b) of the previous
        sentence is equal to zero) at the time it is charged off, as described in
        Section 3.15 hereof.

       

      Record
        Date: With respect to any Distribution Date, the last business day of the
        related Interest Accrual Period.

       

      Reference
        Bank: As defined in Section 4.05.

       

      Regular
        Certificates: Each Class of Certificates other than the Class R, Class P
        and
        Class X-1 Certificates.

       

      Regular
        Payment: As defined in the Policy.

       

      Regulation
        AB: Subpart 229.1100 - Asset Backed Securities (Regulation AB), 17 C.F.R.
        §§229.1100-229.1123, as such may be amended from time to time, and subject
        to
        such clarification and interpretation as have been provided by the Commission
        in
        the adopting release (Asset-Backed Securities, Securities Act Release No.
        33-8518, 70 Fed. Reg. 1,506, 1,531 (Jan. 7, 2005)) or by the staff of the
        Commission, or as may be provided by the Commission or its staff from time
        to
        time.

       

      Released
        Loan: Any Charged Off Loan that is released by the related Servicer to the
        Class
        X-1 Certificateholder pursuant to Section 3.15. Any Released Loan will no
        longer
        be an asset of any REMIC or the Trust Fund.

       

      Relief
        Act: Servicemembers Civil Relief Act, as amended.

       

      Relief
        Act Interest Shortfall: With respect to any Distribution Date and any Mortgage
        Loan, any reduction in the amount of interest or principal collectible on
        such
        Mortgage Loan for the most recently ended Due Period as a result of the
        application of the Servicemembers Civil Relief Act, or any similar state
        statutes.

       

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

       

      REMIC
        I:
        As specified in the Preliminary Statement.

       

      REMIC
        I
        Regular Interest: Any of the separate non-certificated beneficial ownership
        interests in REMIC I issued hereunder and designated as a “regular interest” in
        REMIC I. Each REMIC I Regular Interest shall accrue interest at the related
        REMIC I, subject to the terms and conditions hereof, in an aggregate amount
        equal to its initial Uncertificated Balance as set forth in the Preliminary
        Statement hereto. The designations for the respective REMIC II Regular Interests
        are set forth in the Preliminary Statement hereto.

       

      REMIC
        I
        Remittance Rate: With respect to REMIC Regular Interest I, a per annum rate
        equal to the weighted average of the Net Mortgage Rates of the Mortgage Loans.
        With respect to each REMIC I Regular Interest ending with the designation
“A”, a
        per annum rate equal to the weighted average of the Net Mortgage Rates of
        the
        Mortgage Loans multiplied by 2, subject to a maximum rate of 10.46%. With
        respect to each REMIC I Regular Interest ending with the designation “B”, the
        greater of (x) a per annum rate equal to the excess, if any, of (i) 2 multiplied
        by the weighted average of the Net Mortgage Rates of the Mortgage Loans over
        (ii) 10.46% and (y) 0.00%.

       

      REMIC
        II:
        As specified in the Preliminary Statement.

       

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

       

      REMIC
        II
        Remittance Rate: With respect to REMIC II Regular Interest I, REMIC II Regular
        Interest IO-1, REMIC II Regular Interest IO-2, REMIC II Regular Interest
        IO-3,
        REMIC II Regular Interest IO-4, REMIC II Regular Interest IO-5 and REMIC
        II
        Regular Interest IO-6, a per annum rate (but not less than zero) equal to
        the
        weighted average of (v) with respect to REMIC I Regular Interest I, the REMIC
        I
        Remittance Rates for such REMIC I Regular Interest for each such Distribution
        Date, (w) with respect to REMIC I Regular Interests ending with the designation
        “B”, the weighted average of the REMIC I Remittance Rates for such REMIC I
        Regular Interests, weighted on the basis of the Uncertificated Balance of
        such
        REMIC I Regular Interests for each such Distribution Date and (x) with respect
        to REMIC I Regular Interests ending with the designation “A”, for each
        Distribution Date listed below, the weighted average of the rates listed
        below
        for each such REMIC I Regular Interest listed below, weighted on the basis
        of
        the Uncertificated Balance of each such REMIC I Regular Interest for each
        such
        Distribution Date:

       

      
        	
                Distribution
                  Date

              	
                REMIC
                  I Regular Interest

              	
                Rate

              
	
                1

              	
                I-1-A
                  through I-54-A

              	
                2
                  multiplied by Swap LIBOR, subject to a maximum rate of REMIC I
                  Remittance
                  Rate

              
	
                2

              	
                I-2-A
                  through I-54-A

              	
                2
                  multiplied by Swap LIBOR, subject to a maximum rate of REMIC I
                  Remittance
                  Rate

              
	 	
                I-1-A

              	 
	
                3

              	
                I-3-A
                  through I-54-A

              	
                2
                  multiplied by Swap LIBOR, subject to a maximum rate of REMIC I
                  Remittance
                  Rate

              
	 	
                I-1-A
                  and I-2-A

              	
                REMIC
                  I Remittance Rate

              
	
                4

              	
                I-4-A
                  through I-54-A

              	
                2
                  multiplied by Swap LIBOR, subject to a maximum rate of REMIC I
                  Remittance
                  Rate

              
	 	
                I-1-A
                  through I-3-A

              	
                REMIC
                  I Remittance Rate

              
	
                5

              	
                I-5-A
                  through I-54-A

              	
                2
                  multiplied by Swap LIBOR, subject to a maximum rate of REMIC I
                  Remittance
                  Rate

              
	 	
                I-1-A
                  through I-4-A

              	
                REMIC
                  I Remittance Rate

              
	
                6

              	
                I-6-A
                  through I-54-A

              	
                2
                  multiplied by Swap LIBOR, subject to a maximum rate of REMIC I
                  Remittance
                  Rate

              
	 	
                I-1-A
                  through I-5-A

              	
                REMIC
                  I Remittance Rate

              
	
                7

              	
                I-7-A
                  through I-54-A

              	
                2
                  multiplied by Swap LIBOR, subject to a maximum rate of REMIC I
                  Remittance
                  Rate

              
	 	
                I-1-A
                  through I-6-A

              	
                REMIC
                  I Remittance Rate

              
	
                8

              	
                I-8-A
                  through I-54-A

              	
                2
                  multiplied by Swap LIBOR, subject to a maximum rate of REMIC I
                  Remittance
                  Rate

              
	 	
                I-1-A
                  through I-7-A

              	
                REMIC
                  I Remittance Rate

              
	
                9

              	
                I-9-A
                  through I-54-A

              	
                2
                  multiplied by Swap LIBOR, subject to a maximum rate of REMIC I
                  Remittance
                  Rate

              
	 	
                I-1-A
                  through I-8-A

              	
                REMIC
                  I Remittance Rate

              
	
                10

              	
                I-10-A
                  through I-54-A

              	
                2
                  multiplied by Swap LIBOR, subject to a maximum rate of REMIC I
                  Remittance
                  Rate

              
	 	
                I-1-A
                  through I-9-A

              	
                REMIC
                  I Remittance Rate

              
	
                11

              	
                I-11-A
                  through I-54-A

              	
                2
                  multiplied by Swap LIBOR, subject to a maximum rate of REMIC I
                  Remittance
                  Rate

              
	 	
                I-1-A
                  through I-10-A

              	
                REMIC
                  I Remittance Rate

              
	
                12

              	
                I-12-A
                  through I-54-A

              	
                2
                  multiplied by Swap LIBOR, subject to a maximum rate of REMIC I
                  Remittance
                  Rate

              
	 	
                I-1-A
                  through I-11-A

              	
                REMIC
                  I Remittance Rate

              
	
                13

              	
                I-13-A
                  through I-54-A

              	
                2
                  multiplied by Swap LIBOR, subject to a maximum rate of REMIC I
                  Remittance
                  Rate

              
	 	
                I-1-A
                  through I-12-A

              	
                REMIC
                  I Remittance Rate

              
	
                14

              	
                I-14-A
                  through I-54-A

              	
                2
                  multiplied by Swap LIBOR, subject to a maximum rate of REMIC I
                  Remittance
                  Rate

              
	 	
                I-1-A
                  through I-13-A

              	
                REMIC
                  I Remittance Rate

              
	
                15

              	
                I-15-A
                  through I-54-A

              	
                2
                  multiplied by Swap LIBOR, subject to a maximum rate of REMIC I
                  Remittance
                  Rate

              
	 	
                I-1-A
                  through I-14-A

              	
                REMIC
                  I Remittance Rate

              
	
                16

              	
                I-16-A
                  through I-54-A

              	
                2
                  multiplied by Swap LIBOR, subject to a maximum rate of REMIC I
                  Remittance
                  Rate

              
	 	
                I-1-A
                  through I-15-A

              	
                REMIC
                  I Remittance Rate

              
	
                17

              	
                I-17-A
                  through I-54-A

              	
                2
                  multiplied by Swap LIBOR, subject to a maximum rate of REMIC I
                  Remittance
                  Rate

              
	 	
                I-1-A
                  through I-16-A

              	
                REMIC
                  I Remittance Rate

              
	
                18

              	
                I-18-A
                  through I-54-A

              	
                2
                  multiplied by Swap LIBOR, subject to a maximum rate of REMIC I
                  Remittance
                  Rate

              
	 	
                I-1-A
                  through I-17-A

              	
                REMIC
                  I Remittance Rate

              
	
                19

              	
                I-19-A
                  through I-54-A

              	
                2
                  multiplied by Swap LIBOR, subject to a maximum rate of REMIC I
                  Remittance
                  Rate

              
	 	
                I-1-A
                  through I-18-A

              	
                REMIC
                  I Remittance Rate

              
	
                20

              	
                I-20-A
                  through I-54-A

              	
                2
                  multiplied by Swap LIBOR, subject to a maximum rate of REMIC I
                  Remittance
                  Rate

              
	 	
                I-1-A
                  through I-19-A

              	
                REMIC
                  I Remittance Rate

              
	
                21

              	
                I-21-A
                  through I-54-A

              	
                2
                  multiplied by Swap LIBOR, subject to a maximum rate of REMIC I
                  Remittance
                  Rate

              
	 	
                I-1-A
                  through I-20-A

              	
                REMIC
                  I Remittance Rate

              
	
                22

              	
                I-22-A
                  through I-54-A

              	
                2
                  multiplied by Swap LIBOR, subject to a maximum rate of REMIC I
                  Remittance
                  Rate

              
	 	
                I-1-A
                  through I-21-A

              	
                REMIC
                  I Remittance Rate

              
	
                23

              	
                I-23-A
                  through I-54-A

              	
                2
                  multiplied by Swap LIBOR, subject to a maximum rate of REMIC I
                  Remittance
                  Rate

              
	 	
                I-1-A
                  through I-22-A

              	
                REMIC
                  I Remittance Rate

              
	
                24

              	
                I-24-A
                  through I-54-A

              	
                2
                  multiplied by Swap LIBOR, subject to a maximum rate of REMIC I
                  Remittance
                  Rate

              
	 	
                I-1-A
                  through I-23-A

              	
                REMIC
                  I Remittance Rate

              
	
                25

              	
                I-25-A
                  through I-54-A

              	
                2
                  multiplied by Swap LIBOR, subject to a maximum rate of REMIC I
                  Remittance
                  Rate

              
	 	
                I-1-A
                  through I-24-A

              	
                REMIC
                  I Remittance Rate

              
	
                26

              	
                I-26-A
                  through I-54-A

              	
                2
                  multiplied by Swap LIBOR, subject to a maximum rate of REMIC I
                  Remittance
                  Rate

              
	 	
                I-1-A
                  through I-25-A

              	
                REMIC
                  I Remittance Rate

              
	
                27

              	
                I-27-A
                   through I-54-A

              	
                2
                  multiplied by Swap LIBOR, subject to a maximum rate of REMIC I
                  Remittance
                  Rate

              
	 	
                I-1-A
                  through I-26-A

              	
                REMIC
                  I Remittance Rate

              
	
                28

              	
                I-28-A
                  through I-54-A

              	
                2
                  multiplied by Swap LIBOR, subject to a maximum rate of REMIC I
                  Remittance
                  Rate

              
	 	
                I-1-A
                  through I-27-A

              	
                REMIC
                  I Remittance Rate

              
	
                29

              	
                I-29-A
                  through I-54-A

              	
                2
                  multiplied by Swap LIBOR, subject to a maximum rate of REMIC I
                  Remittance
                  Rate

              
	 	
                I-1-A
                  through I-28-A

              	
                REMIC
                  I Remittance Rate

              
	
                30

              	
                I-30-A
                  through I-54-A

              	
                2
                  multiplied by Swap LIBOR, subject to a maximum rate of REMIC I
                  Remittance
                  Rate

              
	 	
                I-1-A
                  through I-29-A

              	
                REMIC
                  I Remittance Rate

              
	
                31

              	
                I-31-A
                  through I-54-A

              	
                2
                  multiplied by Swap LIBOR, subject to a maximum rate of REMIC I
                  Remittance
                  Rate

              
	 	
                I-1-A
                  through I-30-A

              	
                REMIC
                  I Remittance Rate

              
	
                32

              	
                I-32-A
                  through I-54-A

              	
                2
                  multiplied by Swap LIBOR, subject to a maximum rate of REMIC I
                  Remittance
                  Rate

              
	 	
                I-1-A
                  through I-31-A

              	
                REMIC
                  I Remittance Rate

              
	
                33

              	
                I-33-A
                  through I-54-A

              	
                2
                  multiplied by Swap LIBOR, subject to a maximum rate of REMIC I
                  Remittance
                  Rate

              
	 	
                I-1-A
                  through I-32-A

              	
                REMIC
                  I Remittance Rate

              
	
                34

              	
                I-34-A
                  through I-54-A

              	
                2
                  multiplied by Swap LIBOR, subject to a maximum rate of REMIC I
                  Remittance
                  Rate

              
	 	
                I-1-A
                  through I-33-A

              	
                REMIC
                  I Remittance Rate

              
	
                35

              	
                I-35-A
                  through I-54-A

              	
                2
                  multiplied by Swap LIBOR, subject to a maximum rate of REMIC I
                  Remittance
                  Rate

              
	 	
                I-1-A
                  through I-34-A

              	
                REMIC
                  I Remittance Rate

              
	
                36

              	
                I-36-A
                  through I-54-A

              	
                2
                  multiplied by Swap LIBOR, subject to a maximum rate of REMIC I
                  Remittance
                  Rate

              
	 	
                I-1-A
                  through I-35-A

              	
                REMIC
                  I Remittance Rate

              
	
                37
                  - 42

              	
                I-37-A
                  through I-54-A

              	
                2
                  multiplied by Swap LIBOR, subject to a maximum rate of REMIC I
                  Remittance
                  Rate

              
	 	
                I-1-A
                  through I-36-A

              	
                REMIC
                  I Remittance Rate

              
	
                43

              	
                I-38-A
                  through I-54-A

              	
                2
                  multiplied by Swap LIBOR, subject to a maximum rate of REMIC I
                  Remittance
                  Rate

              
	 	
                I-1-A
                  through I-37-A

              	
                REMIC
                  I Remittance Rate

              
	
                44

              	
                I-39-A
                  through I-54-A

              	
                2
                  multiplied by Swap LIBOR, subject to a maximum rate of REMIC I
                  Remittance
                  Rate

              
	 	
                I-1-A
                  through I-38-A

              	
                REMIC
                  I Remittance Rate

              
	
                45

              	
                I-40-A
                  through I-54-A

              	
                2
                  multiplied by Swap LIBOR, subject to a maximum rate of REMIC I
                  Remittance
                  Rate

              
	 	
                I-1-A
                  through I-39-A

              	
                REMIC
                  I Remittance Rate

              
	
                46

              	
                I-41-A
                  through I-54-A

              	
                2
                  multiplied by Swap LIBOR, subject to a maximum rate of REMIC I
                  Remittance
                  Rate

              
	 	
                I-1-A
                  through I-40-A

              	
                REMIC
                  I Remittance Rate

              
	
                47

              	
                I-42-A
                  through I-54-A

              	
                2
                  multiplied by Swap LIBOR, subject to a maximum rate of REMIC I
                  Remittance
                  Rate

              
	 	
                I-1-A
                  through I-41-A

              	
                REMIC
                  I Remittance Rate

              
	
                48

              	
                I-43-A
                  through I-54-A

              	
                2
                  multiplied by Swap LIBOR, subject to a maximum rate of REMIC I
                  Remittance
                  Rate

              
	 	
                I-1-A
                  through I-42-A

              	
                REMIC
                  I Remittance Rate

              
	
                49

              	
                I-44-A
                  through I-54-A

              	
                2
                  multiplied by Swap LIBOR, subject to a maximum rate of REMIC I
                  Remittance
                  Rate

              
	 	
                I-1-A
                  through I-43-A

              	
                REMIC
                  I Remittance Rate

              
	
                50

              	
                I-45-A
                  through I-54-A

              	
                2
                  multiplied by Swap LIBOR, subject to a maximum rate of REMIC I
                  Remittance
                  Rate

              
	 	
                I-1-A
                  through I-44-A

              	
                REMIC
                  I Remittance Rate

              
	
                51

              	
                I-46-A
                  through I-54-A

              	
                2
                  multiplied by Swap LIBOR, subject to a maximum rate of REMIC I
                  Remittance
                  Rate

              
	 	
                I-1-A
                  through I-45-A

              	
                REMIC
                  I Remittance Rate

              
	
                52

              	
                I-47-A
                  through I-54-A

              	
                2
                  multiplied by Swap LIBOR, subject to a maximum rate of REMIC I
                  Remittance
                  Rate

              
	 	
                I-1-A
                  through I-46-A

              	
                REMIC
                  I Remittance Rate

              
	
                53

              	
                I-48-A
                  through I-54-A

              	
                2
                  multiplied by Swap LIBOR, subject to a maximum rate of REMIC I
                  Remittance
                  Rate

              
	 	
                I-1-A
                  through I-47-A

              	
                REMIC
                  I Remittance Rate

              
	
                54
                  

              	
                I-49-A
                  through I-54-A

              	
                2
                  multiplied by Swap LIBOR, subject to a maximum rate of REMIC I
                  Remittance
                  Rate

              
	 	
                I-1-A
                  through I-48-A

              	
                REMIC
                  I Remittance Rate

              
	
                55

              	
                I-50-A
                  through I-54-A

              	
                2
                  multiplied by Swap LIBOR, subject to a maximum rate of REMIC I
                  Remittance
                  Rate

              
	 	
                I-1-A
                  through I-49-A

              	
                REMIC
                  I Remittance Rate

              
	
                56

              	
                I-51-A
                  through I-54-A

              	
                2
                  multiplied by Swap LIBOR, subject to a maximum rate of REMIC I
                  Remittance
                  Rate

              
	 	
                I-1-A
                  through I-50-A

              	
                REMIC
                  I Remittance Rate

              
	
                57

              	
                I-52-A
                  through I-54-A

              	
                2
                  multiplied by Swap LIBOR, subject to a maximum rate of REMIC I
                  Remittance
                  Rate

              
	 	
                I-1-A
                  through I-51-A

              	
                REMIC
                  I Remittance Rate

              
	
                58

              	
                I-53-A
                  and I-54-A

              	
                2
                  multiplied by Swap LIBOR, subject to a maximum rate of REMIC I
                  Remittance
                  Rate

              
	 	
                I-1-A
                  through I-52-A

              	
                REMIC
                  I Remittance Rate

              
	
                59

              	
                I-54-A

              	
                2
                  multiplied by Swap LIBOR, subject to a maximum rate of REMIC I
                  Remittance
                  Rate

              
	 	
                I-1-A
                  through I-53-A

              	
                REMIC
                  I Remittance Rate

              
	
                thereafter

              	
                I-1-A
                  through I-54-A

              	
                REMIC
                  I Remittance Rate

              

      

      

      

      With
        respect to REMIC II Regular Interest SWAP-IO, and (a) the 1st
        through
        59th
        Distribution Dates, the excess of (i) the REMIC I Remittance Rates for REMIC
        I
        Regular Interests ending with the designation “A” over (ii) 2 multiplied by Swap
        LIBOR, and (b) thereafter 0.00%.

       

      REMIC
        III: As specified in the Preliminary Statement.

       

      REMIC
        III
        Interest Loss Allocation Amount: With respect to any Distribution Date, an
        amount equal to (a) the product of (i) the aggregate Stated Principal Balance
        of
        the Mortgage Loans and related REO Properties then outstanding and (ii) the
        REMIC III Remittance Rate for REMIC III Regular Interest I-AA minus the Marker
        Rate, divided by (b) 12.

       

      REMIC
        III
        Overcollateralization Amount: With respect to any date of determination,
        (i) the
        aggregate Uncertificated Balances of the REMIC III Regular Interests minus
        (ii)
        the aggregate of the Uncertificated Balances of REMIC III Regular Interest
        A1,
        as of such date of determination.

       

      REMIC
        III
        Principal Loss Allocation Amount: With respect to any Distribution Date,
        an
        amount equal to (a) the product of (i) the aggregate Stated Principal Balance
        of
        the Mortgage Loans and related REO Properties then outstanding and (ii) 1
        minus
        a fraction, the numerator of which is two times the aggregate of the
        Uncertificated Balances of REMIC III Regular Interest A1 and the denominator
        of
        which is the aggregate of the Uncertificated Balances of REMIC III Regular
        Interest A1 and REMIC III Regular Interest ZZ.

       

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

       

      REMIC
        III
        Regular Interest AA: One of the separate non-certificated beneficial ownership
        interests in REMIC III issued hereunder and designated as a Regular Interest
        in
        REMIC III. REMIC III Regular Interest AA shall accrue interest at the related
        REMIC III Remittance Rate in effect from time to time, and shall be entitled
        to
        distributions of principal, subject to the terms and conditions hereof, in
        an
        aggregate amount equal to its initial Uncertificated Balance as set forth
        in the
        Preliminary Statement hereto.

       

      REMIC
        III
        Regular Interest A1: One of the separate non-certificated beneficial ownership
        interests in REMIC III issued hereunder and designated as a Regular Interest
        in
        REMIC III. REMIC III Regular Interest A1 shall accrue interest at the related
        REMIC III Remittance Rate in effect from time to time, and shall be entitled
        to
        distributions of principal, subject to the terms and conditions hereof, in
        an
        aggregate amount equal to its initial Uncertificated Balance as set forth
        in the
        Preliminary Statement hereto.

       

      REMIC
        III
        Regular Interest A-IO: One of the separate non-certificated beneficial ownership
        interests in REMIC III issued hereunder and designated as a Regular Interest
        in
        REMIC III. REMIC III Regular Interest A-IO shall accrue interest at the related
        REMIC III Remittance Rate in effect from time to time.

       

      REMIC
        III
        Regular Interest SWAP-IO: One of the separate non-certificated beneficial
        ownership interests in REMIC III issued hereunder and designated as a Regular
        Interest in REMIC III. REMIC III Regular Interest SWAP-IO shall accrue interest
        at the related REMIC III Remittance Rate in effect from time to
        time.

       

      REMIC
        III
        Regular Interest ZZ: One of the separate non-certificated beneficial ownership
        interests in REMIC III issued hereunder and designated as a Regular Interest
        in
        REMIC III. REMIC III Regular Interest ZZ shall accrue interest at the related
        REMIC III Remittance Rate in effect from time to time, and shall be entitled
        to
        distributions of principal, subject to the terms and conditions hereof, in
        an
        aggregate amount equal to its initial Uncertificated Balance as set forth
        in the
        Preliminary Statement hereto.

       

      REMIC
        III
        Remittance Rate: With respect to REMIC III Regular Interest AA, REMIC III
        Regular Interest A1 and REMIC III Regular Interest ZZ, a per annum rate (but
        not
        less than zero) equal to the weighted average of: (x) with respect to REMIC
        II
        Regular Interest I, the REMIC II Remittance Rate for each such REMIC II Regular
        Interest for each such Distribution Date, and (y) with respect to REMIC II
        Regular Interest IO-1 through REMIC II Regular Interest IO-6 for each
        Distribution Date listed below, the weighted average of the rates listed
        below
        for each such REMIC II Regular Interest listed below, weighted on the basis
        of
        the Uncertificated Balance of each such REMIC II Regular Interest:

       

      
        	
                Distribution
                  Date

              	
                REMIC
                  II Regular Interests

              	
                Rate

              
	
                1
                  -
                  3

              	
                IO-1
                  through IO-6

              	
                (a)
                  REMIC II Remittance Rate over (b) the lesser of (i) 6.00% and (ii)
                  REMIC
                  II Remittance Rate

              
	
                4
                  -
                  6

              	
                IO-2
                  through IO-6 

              	
                (a)
                  REMIC II Remittance Rate over (b) the lesser of (i) 6.00% and (ii)
                  REMIC
                  II Remittance Rate

              
	 	
                IO-1
                  and IO-1

              	
                REMIC
                  II Remittance Rate

              
	
                7
                  -
                  9

              	
                IO-3
                  through IO-6 

              	
                (a)
                  REMIC II Remittance Rate over (b) the lesser of (i) 6.00% and (ii)
                  REMIC
                  II Remittance Rate

              
	 	
                IO-1
                  and IO-2 

              	
                REMIC
                  II Remittance Rate

              
	
                10
                  - 12

              	
                IO-4
                  through IO-6 

              	
                (a)
                  REMIC II Remittance Rate over (b) the lesser of (i) 6.00% and (ii)
                  REMIC
                  II Remittance Rate

              
	 	
                IO-1
                  through IO-3 

              	
                REMIC
                  II Remittance Rate

              
	
                13
                  - 15

              	
                IO-5
                  and IO-6 

              	
                (a)
                  REMIC II Remittance Rate over (b) the lesser of (i) 6.00% and (ii)
                  REMIC
                  II Remittance Rate

              
	 	
                IO-1
                  through IO-4 

              	
                REMIC
                  II Remittance Rate

              
	
                16
                  - 18

              	
                IO-6
                  and IO-6

              	
                (a)
                  REMIC II Remittance Rate over (b) the lesser of (i) 6.00% and (ii)
                  REMIC
                  II Remittance Rate

              
	 	
                IO-1
                  through IO-5 

              	
                REMIC
                  II Remittance Rate

              
	
                19
                  and thereafter

              	
                IO-1
                  through IO-6 

              	
                REMIC
                  II Remittance Rate

              

      

      

      

      With
        respect to REMIC III Regular Interest A-IO, (i) for the first 18 distribution
        dates, the lesser of (a) 6.00% and (b) the REMIC II Remittance Rate on REMIC
        II
        Regular Interest I and (ii) thereafter, 0.00%. 

       

      With
        respect to REMIC III Regular Interest SWAP-IO, 100% of the amounts distributed
        on REMIC II Regular Interest SWAP-IO. 

       

      REMIC
        III
        Required Overcollateralization Amount: 1.00% of the Overcollateralization
        Floor.

       

      REMIC
        IV:
        The segregated pool of assets consisting of all of the REMIC III Regular
        Interests conveyed in trust to the Trustee, for the benefit of the REMIC
        IV
        Certificateholders pursuant to Section 2.07, and all amounts deposited therein,
        with respect to which a separate REMIC election is to be made.

       

      REMIC
        IV
        Certificate: Any Class A, Class X or Class R Certificate.

       

      REMIC
        IV
        Certificateholder: The Holder of any REMIC IV Certificate.

       

      REMIC
        Opinion: As defined in Section 10.03.

       

      REMIC
        Provisions: Provisions of the federal income tax law relating to real estate
        mortgage investment conduits, which appear at Sections 860A through 860G of
        Subchapter M of Chapter 1 of the Code, and related provisions, and regulations
        promulgated thereunder, as the foregoing may be in effect from time to time
        as
        well as provisions of applicable state laws.

       

      REMIC
        Regular Certificate: Any Certificate other than a Class R Certificate, Class
        P
        Certificate or Class X-1 Certificate.

       

      REMIC
        Regular Interest: Any REMIC I Regular Interest, REMIC II Regular Interest
        or
        REMIC III Regular Interest.

       

      REMIC
        Remittance Rate: The REMIC I Remittance Rate, REMIC II Remittance Rate or
        REMIC
        III Remittance Rate, as applicable.

       

      REO
        Disposition: The final sale by the related Servicer of any REO
        Property.

       

      REO
        Imputed Interest: As to any REO Property, for any period, an amount equivalent
        to interest (at the Mortgage Interest Rate net of the Servicing Fee Rate
        that
        would have been applicable to the related Mortgage Loan had it been outstanding)
        on the unpaid principal balance of the Mortgage Loan as of the date of
        acquisition thereof (as such balance is reduced pursuant to Section 3.15 by
        any income from the REO Property treated as a recovery of
        principal).

       

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

       

      Reportable
        Event: As defined in Section 8.12(a)(ii).

       

      Reporting
        Date: With respect to each Distribution Date and Servicer, the 18th day of
        each
        calendar month or the immediately preceding Business Day if the 18th is not
        a
        Business Day. With respect to each Distribution Date and the Master Servicer,
        the Master Servicer Remittance Date or: (i) the immediately preceding Business
        Day if the Master Servicer Remittance Date is a Saturday; and (ii) the
        immediately succeeding Business Day, if the Master Servicer Remittance Date
        is a
        Sunday.

       

      Representations
        and Warranties Agreement: The Representations and Warranties Agreement, dated
        as
        of February 28, 2007, by and between the Depositor and the Sponsor, a copy
        of
        which is attached hereto as Exhibit V.

       

      Repurchase
        Price: With respect to any Mortgage Loan, (a) repurchased by the Purchaser,
        an
        amount equal to the sum of (i) the unpaid principal balance of such Mortgage
        Loan as of the date of repurchase, (ii) interest on such unpaid principal
        balance of such Mortgage Loan at the Mortgage Interest Rate from the last
        date
        through which interest has been paid and distributed to the Trustee to the
        date
        of repurchase, (iii) all unreimbursed Servicing Advances and (iv) all expenses
        incurred by the related Servicer, the Trust, the Trustee or the Master Servicer,
        as the case may be, in respect of a breach or defect, including, without
        limitation, (A) expenses arising out of the related Servicer’s, Trustee’s or the
        Master Servicer, as the case may be, enforcement of the Purchaser’s repurchase
        obligation, to the extent not included in clause (iii), and (B) any costs
        and
        damages incurred by the Trust in connection with any violation by such Mortgage
        Loan of any predatory lending law or abusive lending law, and (b) in the
        case of
        any Mortgage Loan repurchased by the related Responsible Party, the “Repurchase
        Price” as defined in the related Responsible Party Agreement.

       

      Request
        for Release: The Request for Release submitted by the related Servicer to
        the
        Trustee or the Custodian, as applicable, substantially in the form of
        Exhibit J.

       

      Residual
        Certificates: As specified in the Preliminary Statement.

       

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

       

      Responsible
        Officer: When used with respect to the Trustee or the Master Servicer, any
        vice
        president, any assistant vice president, any assistant secretary, any assistant
        treasurer, any associate or any other officer of the Trustee or the Master
        Servicer customarily performing functions similar to those performed by any
        of
        the above designated officers who at such time shall be officers to whom,
        with
        respect to a particular matter, such matter is referred because of such
        officer’s knowledge of and familiarity with the particular subject and who shall
        have direct responsibility for the administration of this
        Agreement.

       

      Responsible
        Party: With respect to the Certificates and Mortgage Loans, M&T, GreenPoint,
        Irwin, Impac, Accredited or New Century, as applicable, and its successors
        in
        interest.

       

      Responsible
        Party Agreements: The M&T Agreements, GreenPoint Agreements, Irwin
        Agreements, Impac Agreements, Accredited Agreements or New Century Agreements,
        as applicable, copies of which are attached hereto as Exhibits Q-1, Q-2,
        Q-3,
        Q-4, Q-5 and Q-6, respectively.

       

      Rule 144A
        Letter: As defined in Section 5.02(b).

       

      Scheduled
        Payment: The scheduled monthly payment on a Mortgage Loan due on any Due
        Date
        allocable to principal and/or interest on such Mortgage Loan which, unless
        otherwise specified herein, shall give effect to any related Debt Service
        Reduction and any Deficient Valuation that affects the amount of the monthly
        payment due on such Mortgage Loan.

       

      Securities
        Act: The Securities Act of 1933, as amended.

       

      Senior
        Enhancement Percentage: With respect to any Distribution Date, the percentage
        obtained by dividing (x) the Overcollateralized Amount (after taking into
        account the distributions of the Principal Distribution Amount for such
        Distribution Date) by (y) the aggregate Stated Principal Balance of the
        Mortgage Loans for such Distribution Date.

       

      Senior
        Specified Enhancement Percentage: As of any date of determination,
        14.20%.

       

      Servicer:
        When the term “Servicer” is used in this Agreement prior to the Servicing
        Transfer Date, Ocwen and Avelo, and on or after the Servicing Transfer Date,
        SLS
        or Avelo, or any successor servicer(s) appointed as herein provided, in its
        capacity as a Servicer hereunder.

       

      Servicer
        Advance Facility Account: As defined in Section 11.07.

       

      Servicer
        Cumulative Loss Trigger: With respect to Ocwen and any Distribution Date,
        a
        Servicer Cumulative Loss Trigger exists if the Cumulative Loss Percentage
        exceeds the applicable percentages set forth below with respect to such
        Distribution Date:

       

      
        	
                Distribution
                  Date Occurring In

              	
                Loss
                  Percentage

              
	
                March
                  2009 through February 2010

              	
                3.20%
                  for the first month, plus an additional 1/12th
                  of
                  2.75% for each month thereafter

              
	
                March
                  2010 through February 2011

              	
                5.95%
                  for the first month, plus an additional 1/12th
                  of
                  2.55% for each month thereafter

              
	
                March
                  2011 through February 2012

              	
                8.50%
                  for the first month, plus an additional 1/12th
                  of
                  0.25% for each month thereafter

              
	
                March
                  2012 through February 2013

              	
                8.75%
                  for the first month, plus an additional 1/12th
                  of
                  0.50% for each month thereafter

              
	
                March
                  2013 and thereafter

              	
                9.25%

              

      

      

       

      Servicer
        Delinquency Trigger:
        With
        respect to Ocwen and any Distribution Date, a Servicer Delinquency Trigger
        exists if (i) the quotient (expressed as a percentage) of (1) the rolling
        three
        month average of the aggregate Stated Principal Balance of the 60+ Day
        Delinquent Mortgage Loans, divided by (2) the aggregate Stated Principal
        Balance
        of the Mortgage Loans as of the last day of the related Due Period, equals
        or
        exceeds 18.15% of the Senior Enhancement Percentage as of the last day of
        the
        prior Due Period.

       

      Servicer
        Remittance Date: With respect to any Distribution Date and the Servicers
        for
        payments to the Master Servicer, the
        18th
        of the month in which such Distribution Date occurs, or, if that day is not
        a
        Business Day, the immediately preceding Business Day.

       

      Servicer
        Remittance Report: As defined in Section 4.04(d).

       

      Servicer’s
        Assignee: As defined in Section 11.07.

       

      Servicing
        Advances: The reasonable “out-of-pocket” costs and expenses (including legal
        fees) incurred prior to, on, or after the Cut-off Date by the related Servicer
        in the performance of its servicing obligations in connection with a default,
        delinquency or other unanticipated event, including, but not limited to,
        the
        cost of (i) the preservation, restoration, inspection, protection and
        payment of prior liens on of a Mortgaged Property, (ii) any enforcement or
        judicial proceedings, including foreclosures and litigation, in respect of
        a
        particular Mortgage Loan, (iii) the management (including reasonable fees
        in connection therewith) and liquidation of any REO Property, (iv) refunding
        to
        any mortgagor such prepaid origination fees and/or finance charges that are
        subject to reimbursement upon a Principal Prepayment of the related Mortgage
        Loan to the extent such reimbursement is required by applicable law, and
        (v) the performance of its obligations under Sections 3.01, 3.09, 3.13
        and 3.15 (including the cost of obtaining any broker’s price opinion pursuant
        thereto). Servicing Advances also include any reasonable “out-of-pocket” costs
        and expenses (including legal fees) incurred by the related Servicer in
        connection with executing and recording instruments of satisfaction, deeds
        of
        reconveyance or Assignments of Mortgage in connection with any satisfaction
        or
        foreclosures in respect of any Mortgage Loan to the extent not recovered
        from
        the Mortgagor or otherwise payable under this Agreement and obtaining or
        correcting any legal documentation required to be included in the Mortgage
        Files
        and necessary for the related Servicer to perform its obligations under this
        Agreement, correcting errors of prior servicers, costs and expenses charged
        to
        the related Servicer by the Trustee, tax tracking, title research, flood
        certifications, and lender paid mortgage insurance and compliance with the
        obligations under Sections 3.01 and 3.10. The related Servicer shall not
        be
        required to make any Nonrecoverable Servicing Advances.

       

      Servicing
        Criteria: The "servicing criteria" set forth in Item 1122(d) of Regulation
        AB,
        which as of the Closing Date are listed on Exhibit R hereto.

       

      Servicing
        Fee: With respect to each related Mortgage Loan and any Distribution Date,
        an
        amount equal to the product of (i) one-twelfth of the Servicing Fee Rate
        and (ii) the applicable Stated Principal Balance of such Mortgage Loan as
        of the last day of the calendar month preceding the month in which such
        Distribution Date occurs. Such fee shall be payable monthly. The Servicing
        Fee
        is payable solely from the interest portion (including recoveries with respect
        to interest from Liquidation Proceeds, Insurance Proceeds, Condemnation Proceeds
        and proceeds received with respect to REO Properties, to the extent permitted
        by
        Section 3.11) of such Scheduled Payment collected by the related Servicer
        or as otherwise provided under Section 3.11.

       

      Servicing
        Fee Rate: 0.50% per annum.

       

      Servicing
        File: With respect to each Mortgage Loan, the file retained by the related
        Servicer consisting of originals or copies of all documents in the Mortgage
        File
        which are not delivered to the Trustee in the Custodial File and copies of
        the
        Mortgage Loan Documents set forth in Exhibit K hereto.

       

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

       

      Servicing
        Rights Owner: With respect to a Servicer, the person designated as its
“Servicing Rights Owner” pursuant to a written notice delivered to the Master
        Servicer, the Trustee and the Certificate Insurer; provided that if no notice
        is
        delivered then such Servicer shall be deemed to be the related “Servicing Rights
        Owner.”

       

      Servicing
        Transfer Costs: All reasonable out-of-pocket costs and expenses incurred
        by the
        Trustee or the Master Servicer, as applicable, in connection with the transfer
        of servicing from a terminated servicer, including, without limitation, any
        such
        costs or expenses associated with the complete transfer of all servicing
        data
        and the completion, correction or manipulation of such servicing data as
        may be
        required by the Trustee or the Master Servicer, as applicable, to correct
        any
        errors or insufficiencies in the servicing data or otherwise to enable the
        Trustee or the Master Servicer, as applicable (or any successor servicer
        appointed pursuant to Section 7.02), to service the Mortgage Loans properly
        and
        effectively.

       

      Servicing
        Transfer Date: With respect to any Mortgage Loan serviced by Ocwen, April
        1,
        2007, or such other date as to which servicing of such Mortgage Loan transfers
        to SLS.

       

      Similar
        Law: As defined in Section 5.02(b).

       

      60+
        Day
        Delinquent Mortgage Loan: Each Mortgage Loan with respect to which any portion
        of a Scheduled Payment is, as of the last day of the prior Due Period, two
        months or more past due (without giving effect to any grace period), each
        Mortgage Loan in foreclosure, all REO Property and each Mortgage Loan for
        which
        the Mortgagor has filed for bankruptcy.

       

      Specified
        Overcollateralized Amount: Prior to the Stepdown Date, an amount equal to
        7.10%
        of the Cut-off Date Pool Principal Balance. On and after the Stepdown Date,
        an
        amount equal to 14.20% of the aggregate Stated Principal Balance of the Mortgage
        Loans for such Distribution Date, subject, until the Class Certificate Balance
        of the Class A-1 Certificates has been reduced to zero, to a minimum amount
        equal to the Overcollateralization Floor; provided, however, that if, on
        any
        Distribution Date, a Trigger Event has occurred, the Specified
        Overcollateralized Amount shall not be reduced to the applicable percentage
        of
        the then current aggregate Stated Principal Balance of the Mortgage Loans
        until
        the Distribution Date on which a Trigger Event is no longer
        occurring.

       

      Sponsor:
        Goldman Sachs Mortgage Company, a New York limited partnership, and its
        successors in interest.

       

      SPV:
        As
        defined in Section 11.07.

       

      Standard
        & Poor’s: Standard & Poor’s Ratings Services, a division of The
        McGraw-Hill Companies, Inc., and its successors in interest. If Standard
&
Poor’s is designated as a Rating Agency in the Preliminary Statement, for
        purposes of Section 10.05(b) the address for notices to Standard &
Poor’s shall be Standard & Poor’s, 55 Water Street, New York, New York
        10041, Attention: Residential Mortgage Surveillance Group - GSAA Trust 2007-S1,
        or such other address as Standard & Poor’s may hereafter furnish to the
        Depositor, the Servicers, the Trustee, the Custodian, the Certificate Insurer
        and the Master Servicer.

       

      Standard
        & Poor’s Glossary: The Standard & Poor’s LEVELS® Glossary, in effect as
        of the Closing Date.

       

      Start-up
        Day: As defined in Section 2.06.

       

      Stated
        Principal Balance: As to each Mortgage Loan and as of any date of determination,
        (i) the principal balance of the Mortgage Loan at the Cut-off Date after
        giving effect to payments of principal due on or before such date, minus
        (ii) all amounts previously remitted to the Trustee with respect to the
        related Mortgage Loan representing payments or recoveries of principal including
        advances in respect of scheduled payments of principal. For purposes of any
        Distribution Date, the Stated Principal Balance of any Mortgage Loan will
        give
        effect to any scheduled payments of principal received by the related Servicer
        on or prior to the related Determination Date or advanced by the related
        Servicer for the related Servicer Remittance Date and any unscheduled principal
        payments and other unscheduled principal collections received during the
        related
        Prepayment Period, and the Stated Principal Balance of any Mortgage Loan
        that
        has prepaid in full or has become a Liquidated Mortgage Loan during the related
        Prepayment Period shall be zero.

       

      Stepdown
        Date: The later to occur of (i) the Distribution Date in March 2010, and
        (ii) the first Distribution Date on which the Senior Enhancement Percentage
        is greater than or equal to the Senior Specified Enhancement
        Percentage.

       

      Subsequent
        Recoveries: Amounts received with respect to any Liquidated Mortgage Loan
        after
        it has become a Liquidated Mortgage Loan and, in the case of a Charged Off
        Loan,
        prior to such Liquidated Mortgage Loan becoming a Released Loan.

       

      Subservicer:
        As defined in Section 3.02(a).

       

      Subservicing
        Account: As defined in Section 3.08.

       

      Subservicing
        Agreements: As defined in Section 3.02(a).

       

      Substitute
        Mortgage Loan: A Mortgage Loan substituted by the related Responsible Party
        or
        the Sponsor for a Deleted Mortgage Loan which must, on the date of such
        substitution, as confirmed in a Request for Release, substantially in the
        form
        of Exhibit J, (i) have a Stated Principal Balance, after deduction of
        the principal portion of the Scheduled Payment due in the month of substitution,
        not in excess of, and not more than 10% less than, the Stated Principal Balance
        of the Deleted Mortgage Loan; (ii) be accruing interest at a rate no lower
        than and not more than 1% per annum higher than, that of the Deleted Mortgage
        Loan; (iii) have a CLTV no higher than that of the Deleted Mortgage Loan;
        (iv) have a remaining term to maturity no greater than (and not more than
        one year less than that of) the Deleted Mortgage Loan; (v) comply with each
        related representation and warranty set forth in Section 2.03; (vi) with
        respect to a Mortgage Loan substituted by M&T, have the same due date as the
        Mortgage Loan in breach; (vii) with respect to a Mortgage Loan substituted
        by
        M&T, have a loan-to-value
        ratio
        equal to
        or less than the Mortgage Loan in breach; (viii) with respect to a Mortgage
        Loan
        substituted by M&T, have a Adjusted
        Net Mortgage Interest Rate equal
        to
        the Adjusted Net Mortgage Interest Rate of the Mortgage Loan in breach; and
        (ix)
        with respect to a Mortgage Loan substituted by M&T, be covered by a primary
        insurance policy if the substitute Mortgage Loan has a loan-to-value ratio
        in
        excess of 80%.

       

      Substitution
        Adjustment Amount: As defined in Section 2.03(e).

       

      Supplemental
        Interest Trust: The corpus of a trust created pursuant to Section 4.08 of
        this
        Agreement, consisting of the Interest Rate Swap Agreement and the Class IO
        Interest and the right to receive the Class IO Distribution Amount, subject
        to
        the obligation to pay amounts specified in Section 4.08.

       

      Supplemental
        Interest Trust Account: The account of that name created pursuant to Section
        4.08 of this Agreement.

       

      Supplemental
        Interest Trust Trustee: Deutsche
        Bank National Trust Company, as trustee on behalf of the Supplemental Interest
        Trust.

       

      Swap
        LIBOR: With respect to any Distribution Date (and the related Interest Accrual
        Period), the product of (i) USD-LIBOR-BBA (as used in the Interest Rate Swap
        Agreement), (ii) two, and (iii) the quotient of (a) the actual number of
        days in
        the Interest Accrual Period for the LIBOR Certificates divided by (b)
        30.

       

      Swap
        Provider: Goldman Sachs Mitsui Marine Derivative Products, LP, a Delaware
        limited partnership, and its successors in interest, and any successor swap
        provider under any replacement Interest Rate Swap Agreement.

       

      Swap
        Termination Payment: Any payment payable by the Trust or the Swap Provider
        upon
        termination of the Interest Rate Swap Agreement as a result of an Event of
        Default (as defined in the Interest Rate Swap Agreement) or a Termination
        Event
        (as defined in the Interest Rate Swap Agreement).

       

      Telerate
        Page 3750: The display page currently so designated on the Bridge Telerate
        Service (or such other page as may replace that page on that service for
        displaying comparable rates or prices).

       

      Terminating
        Entity: The Person that elects to exercise a Terminating Purchase pursuant
        to
        Section 10.01(a) hereof.

       

      Terminating
        Purchase: The purchase of the related Mortgage Loans and all other property
        of
        the Trust Fund pursuant to Section 10.01(a) hereof.

       

      Termination
        Price: The price paid by the Terminating Entity for the Mortgage Loans and
        all
        other property of the Trust Fund pursuant to Section 10.01(a)
        hereof.

       

      30
        Day
        Delinquency: The failure of the Mortgagor to make any Scheduled Payment due
        under the Mortgage Note on a Due Date, which failure continues unremedied
        for a
        period of one month after the following Due Date.

       

      Total
        Monthly Excess Spread: As to any Distribution Date, an amount equal to the
        excess if any, of (i) the interest collected on the related Mortgage Loans
        received by the related Servicer on or prior to the related Determination
        Date
        or advanced by such Servicer for the related Servicer Remittance Date (net
        of
        related Expense Fees and the Premium Percentage) plus Net Swap Receipts and
        less
        Net Swap Payments and Swap Termination Payments (other than Defaulted Swap
        Termination Payments), if any, for such Distribution Date over (ii) the sum
        of amounts payable to the related Certificates on such Distribution Date
        pursuant to Section 4.02(a)(i); provided that, Net Swap Receipts shall be
        included in Total Monthly Excess Spread (and, correspondingly, in the Extra
        Principal Distribution Amount) only to the extent of current or prior Realized
        Losses not previously reimbursed.

       

      Transfer:
        Any direct or indirect transfer or sale of any Ownership Interest in a Residual
        Certificate.

       

      Transfer
        Affidavit: As defined in Section 5.02(c).

       

      Transferor
        Certificate: As defined in Section 5.02(b).

       

      Trigger
        Event: With respect to any Distribution Date, a Trigger Event exists if (i)
        the
        quotient (expressed as a percentage) of (1) the rolling three month average
        of
        the aggregate Stated Principal Balance of 60+ Day Delinquent Mortgage Loans,
        divided by (2) the aggregate Stated Principal Balance of the Mortgage Loans
        as
        of the last day of the related Due Period, equals or exceeds 59.86% of the
        Senior Enhancement Percentage as of the last day of the prior Due Period
        or (ii)
        the quotient (expressed as a percentage) of (x) the sum of (1) the aggregate
        amount of Realized Losses incurred since the Cut-off Date through the last
        day
        of the related Prepayment Period divided by (y) the Cut-off Date Pool Principal
        Balance, exceeds the applicable percentages set forth below with respect
        to such
        Distribution Date:

       

      
        	
                Distribution
                  Date Occurring In

              	
                Loss
                  Percentage

              
	
                March
                  2010 through February 2011

              	
                6.00%
                  for the first month, plus an additional 1/12th
                  of
                  2.00% for each month thereafter

              
	
                March
                  2011 through February 2012

              	
                8.00%
                  for the first month, plus an additional 1/12th
                  of
                  1.50% for each month thereafter

              
	
                March
                  2012 through February 2013

              	
                9.50%
                  for the first month, plus an additional 1/12th
                  of
                  0.70% for each month thereafter

              
	
                March
                  2013 and thereafter

              	
                10.20%

              

      

      

       

      Trust:
        The express trust created hereunder in Section 2.01(c).

       

      Trust
        Fund: The corpus of the trust created hereunder consisting of (i) the
        Mortgage Loans and all interest and principal received on or with respect
        thereto after the related Cut-off Date, other than such amounts which were
        due
        on the Mortgage Loans on or before the related Cut-off Date; (ii) the
        Collection Accounts, the Excess Reserve Fund Accounts, the Master Servicer
        Collection Account, the Distribution Account, and all amounts deposited therein
        pursuant to the applicable provisions of this Agreement; (iii) property
        that secured a Mortgage Loan and has been acquired by foreclosure, deed-in-lieu
        of foreclosure or otherwise; (iv) the Trust’s rights under the Responsible Party
        Agreements; (v) the Depositor’s rights under the Representations and Warranties
        Agreement; (vi) the Trustee’s, on behalf of the Holders of the Class A-1
        Certificates, rights under the Policy; and (vii) all proceeds of the
        conversion, voluntary or involuntary, of any of the foregoing.

       

      Trust
        REMIC: Any of REMIC I, REMIC II, REMIC III or REMIC IV, as
        applicable.

       

      Trustee:
        Deutsche Bank National Trust Company, and its successors in interest and,
        if a
        successor trustee is appointed hereunder, such successor.

       

      Trustee
        Float Period: With respect to any Distribution Date and the related amounts
        in
        each Distribution Account, the period commencing on the Master Servicer
        Remittance Date, immediately preceding such Distribution Date and ending
        on such
        Distribution Date.

       

      U.S.
        Person: (i) A citizen or resident of the United States; (ii) a
        corporation (or entity treated as a corporation for tax purposes) created
        or
        organized in the United States or under the laws of the United States or
        of any
        State thereof, including, for this purpose, the District of Columbia;
        (iii) a partnership (or entity treated as a partnership for tax purposes)
        organized in the United States or under the laws of the United States or
        of any
        state thereof, including, for this purpose, the District of Columbia (unless
        provided otherwise by future Treasury regulations); (iv) an estate whose
        income is includible in gross income for United States income tax purposes
        regardless of its source; or (v) a trust, if a court within the United
        States is able to exercise primary supervision over the administration of
        the
        trust and one or more U.S. Persons have authority to control all substantial
        decisions of the trust. Notwithstanding the last clause of the preceding
        sentence, to the extent provided in Treasury regulations, certain trusts
        in
        existence on August 20, 1996, and treated as U.S. Persons prior to such
        date, may elect to continue to be U.S. Persons.

       

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

       

      Uncertificated
        Interest: With respect to any REMIC Regular Interest for any Distribution
        Date,
        one month’s interest at the REMIC Remittance Rate applicable to such REMIC
        Regular Interest for such Distribution Date, accrued on the Uncertificated
        Balance thereof immediately prior to such Distribution Date. Uncertificated
        Interest in respect of the REMIC Regular Interests shall accrue on the basis
        of
        a 360-day year consisting of twelve 30-day months. Uncertificated Interest
        with
        respect to each Distribution Date, as to any REMIC Regular Interest, shall
        be
        reduced by an amount equal to the sum of (a) the aggregate Prepayment Interest
        Shortfall, if any, for such Distribution Date to the extent not covered by
        payments pursuant to Section 3.25 of this Agreement and (b) the aggregate
        amount
        of any Relief Act Interest Shortfall, if any allocated, in each case, to
        such
        REMIC Regular Interest pursuant to Section 4.02. In addition, Uncertificated
        Interest with respect to each Distribution Date, as to any REMIC Regular
        Interest, shall be reduced by Realized Losses, if any, allocated to such
        REMIC
        Regular Interest pursuant to Section 4.06.

       

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

       

      
        	
                Distribution
                  Date

              	
                REMIC
                  I Regular Interests

              
	
                1
                  

              	
                I-1-A
                  through I-54-A

              
	
                2

              	
                I-2-A
                  through I-54-A

              
	
                3

              	
                I-3-A
                  through I-54-A

              
	
                4

              	
                I-4-A
                  through I-54-A

              
	
                5

              	
                I-5-A
                  through I-54-A

              
	
                6

              	
                I-6-A
                  through I-54-A

              
	
                7

              	
                I-7-A
                  through I-54-A

              
	
                8

              	
                I-8-A
                  through I-54-A

              
	
                9

              	
                I-9-A
                  through I-54-A

              
	
                10

              	
                I-10-A
                  through I-54-A

              
	
                11

              	
                I-11-A
                  through I-54-A

              
	
                12

              	
                I-12-A
                  through I-54-A

              
	
                13

              	
                I-13-A
                  through I-54-A

              
	
                14

              	
                I-14-A
                  through I-54-A

              
	
                15

              	
                I-15-A
                  through I-54-A

              
	
                16

              	
                I-16-A
                  through I-54-A

              
	
                17

              	
                I-17-A
                  through I-54-A

              
	
                18

              	
                I-18-A
                  through I-54-A

              
	
                19

              	
                I-19-A
                  through I-54-A

              
	
                20

              	
                I-20-A
                  through I-54-A

              
	
                21

              	
                I-21-A
                  through I-54-A

              
	
                22

              	
                I-22-A
                  through I-54-A

              
	
                23

              	
                I-23-A
                  through I-54-A

              
	
                24

              	
                I-24-A
                  through I-54-A

              
	
                25

              	
                I-25-A
                  through I-54-A

              
	
                26

              	
                I-26-A
                  through I-54-A

              
	
                27

              	
                I-27-A
                  through I-54-A

              
	
                28

              	
                I-28-A
                  through I-54-A

              
	
                29

              	
                I-29-A
                  through I-54-A

              
	
                30

              	
                I-30-A
                  through I-54-A

              
	
                31

              	
                I-31-A
                  through I-54-A

              
	
                32

              	
                I-32-A
                  through I-54-A

              
	
                33

              	
                I-33-A
                  through I-54-A

              
	
                34

              	
                I-34-A
                  through I-54-A

              
	
                35

              	
                I-35-A
                  through I-54-A

              
	
                36

              	
                I-36-A
                  through I-54-A

              
	
                37
                  - 42

              	
                I-37-A
                  through I-54-A

              
	
                43

              	
                I-38-A
                  through I-54-A

              
	
                44

              	
                I-39-A
                  through I-54-A

              
	
                45

              	
                I-40-A
                  through I-54-A

              
	
                46

              	
                I-41-A
                  through I-54-A

              
	
                47

              	
                I-42-A
                  through I-54-A

              
	
                48

              	
                I-43-A
                  through I-54-A

              
	
                49

              	
                I-44-A
                  through I-54-A

              
	
                50

              	
                I-45-A
                  through I-54-A

              
	
                51

              	
                I-46-A
                  through I-54-A

              
	
                52

              	
                I-47-A
                  through I-54-A

              
	
                53

              	
                I-48-A
                  through I-54-A

              
	
                54

              	
                I-49-A
                  through I-54-A

              
	
                55

              	
                I-50-A
                  through I-54-A

              
	
                56

              	
                I-51-A
                  through I-54-A

              
	
                57

              	
                I-52-A
                  through I-54-A

              
	
                58

              	
                I-53-A
                  and I-54-A

              
	
                59

              	
                I-54-A

              
	
                thereafter

              	
                $0.00

              

      

      

      With
        respect to REMIC III Regular Interest A-IO and each Distribution Date listed
        below, the aggregate Uncertificated Balance of the REMIC II Regular Interests
        listed below:

       

      
        	
                Distribution
                  Date

              	
                REMIC
                  II Regular Interests

              
	
                1
                  -
                  3

              	
                IO-1
                  through IO-6 

              
	
                4
                  -
                  6

              	
                IO-2
                  through IO-6

              
	
                7
                  -
                  9

              	
                IO-3
                  through IO-6 

              
	
                10
                  - 12

              	
                IO-4
                  through IO-6 

              
	
                13
                  - 15

              	
                IO-5
                  and IO-6 

              
	
                16
                  - 18

              	
                IO-6
                  

              
	
                thereafter

              	
                $0.00

              

      

      

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

       

      Underwriters’
        Exemption: Any exemption listed in footnote 1 of, and amended by,
        Prohibited Transaction Exemption 2002-41, 67 Fed. Reg. 54487 (2002), or any
        successor exemption.

       

      Underwriting
        Guidelines: The underwriting guidelines pursuant to which a related Mortgage
        Loan was originated.

       

      Unpaid
        Interest Amounts: As of any Distribution Date and any Class of Certificates,
        the
        sum of (a) the portion of the related Accrued Certificate Interest
        Distribution Amount from prior Distribution Dates remaining unpaid immediately
        prior to the current Distribution Date and (b) interest on such unpaid
        amount in clause (a) at the applicable Pass-Through Rate (to the extent
        permitted by applicable law).

       

      Voting
        Rights: The portion of the voting rights of all of the Certificates which
        is
        allocated to any Certificate. With respect to the Certificates, as of any
        date
        of determination, (a) 1%
        of all
        Voting Rights shall be allocated to the Class X Certificates, if any (such
        Voting Rights to be allocated among the Holders of Certificates of each such
        Class in accordance with their respective Percentage Interests),
        (b) 1% of all Voting Rights shall be allocated to the Class P Certificates,
        if any, (c) 1% of all Voting Rights shall be allocated to the Class A-IO
        Certificates, if any (such Voting Rights to be allocated among the Holders
        of
        Certificates of each such Class in accordance with their respective Percentage
        Interests), and (d) the remaining Voting Rights shall be allocated among
        Holders of the remaining Classes of Certificates (other than the Class R
        Certificates and Class X-1 Certificates) in proportion to the Certificate
        Balances of their respective Certificates on such date; provided, however
        that
        until such time as the Policy is no longer outstanding in accordance with
        its
        terms, the Certificate Insurer shall be entitled to exercise all of the Voting
        Rights of the Class A-1 Certificates. The Class R Certificates and Class
        X-1
        Certificates shall have no Voting Rights.

       

      WAC
        Cap:
        With respect to the Certificates as of any Distribution Date, a per annum
        rate
        equal to the product of (i) with respect to the LIBOR Certificates, 30 divided
        by the actual number of days in the applicable Interest Accrual Period, and
        with
        respect to the Class A-IO Certificates, 1, and (ii) (A) the weighted average
        of
        the Adjusted Net Mortgage Interest Rates on the Mortgage Loans in effect
        at the
        beginning of the related Due Period on the Mortgage Loans (less, in the case
        of
        the Class A-1 Certificates, the Premium Percentage), less (B) the sum of
        (a)
        except with respect to the Class A-IO Certificates, the amount of interest
        accrued on the Class A-IO Certificates for such Distribution Date, divided
        by
        the aggregate Stated Principal Balance of the Mortgage Loans and multiplied
        by
        12, and (b) Net Swap Payments, if any, for that Distribution Date, and Swap
        Termination Payments (other than Defaulted Swap Termination Payments) owed
        to
        the Swap Provider, if any, for that Distribution Date, divided by the Class
        Certificate Balance of the LIBOR Certificates at the beginning of the related
        Due Period, multiplied by 12. For federal income tax purposes, the WAC Cap
        shall
        be expressed as, with respect to the LIBOR Certificates, the weighted average
        of
        the REMIC III Remittance Rates on REMIC III Regular Interest AA, REMIC III
        Regular Interest A1 and REMIC III Regular Interest ZZ. For federal income
        tax
        purposes, the Class A-IO Certificates will not have a WAC Cap, but will be
        entitled to 100% of amounts distributed to REMIC III Regular Interest
        A-IO.

       

       

       

      ARTICLE
        II

       

      CONVEYANCE
        OF MORTGAGE LOANS;

      REPRESENTATIONS
        AND WARRANTIES

       

      Section
        2.01  Conveyance
        of Mortgage Loans. (a)
        The
        Depositor, concurrently with the execution and delivery hereof, hereby sells,
        transfers, assigns, sets over and otherwise conveys to the Trustee for the
        benefit of the Certificateholders and the Certificate Insurer, without recourse,
        all the right, title and interest of the Depositor in and to the Trust Fund,
        and
        the Trustee, on behalf of the Trust, hereby accepts the Trust Fund.

       

      (b)  In
        connection with the transfer and assignment of each Mortgage Loan, the Depositor
        has delivered or caused to be delivered to the Trustee or the Custodian,
        as
        applicable, for the benefit of the related Certificateholders and the
        Certificate Insurer the following documents or instruments with respect to
        each
        Mortgage Loan so assigned:

       

      (i)  the
        original Mortgage Note (except for any Mortgage Notes for which there is
        a lost
        note affidavit and a copy of the Mortgage Note) bearing all intervening
        endorsements showing a complete chain of endorsement from the originator
        to the
        last endorsee, endorsed “Pay to the order of _____________, without recourse”
and signed in the name of the last endorsee. To the extent that there is
        no room
        on the face any Mortgage Note for an endorsement, the endorsement may be
        contained on an allonge, unless state law does not so allow and the Trustee
        has
        been advised by the Depositor that state law does not so allow. If the Mortgage
        Loan was acquired by the [Original Loan Seller] in a merger, the endorsement
        must be by “[last endorsee], successor by merger to [name of predecessor]”. If
        the Mortgage Loan was acquired or originated by the last endorsee while doing
        business under another name, the endorsement must be by “[last endorsee],
        formerly known as [previous name]”;

       

      (ii)  the
        original of any guarantee executed in connection with the Mortgage Note,
        if
        provided;

       

      (iii)  the
        original Mortgage, with evidence of recording thereon or a certified true
        copy
        of such Mortgage submitted for recording. If in connection with any Mortgage
        Loan, the related Responsible Party cannot deliver or cause to be delivered
        the
        original Mortgage with evidence of recording thereon on or prior to the Closing
        Date because of a delay caused by the public recording office where such
        Mortgage has been delivered for recordation or because such Mortgage has
        been
        lost or because such public recording office retains the original recorded
        Mortgage, the related Responsible Party (to the extent that it has not
        previously delivered the same to the Purchaser or the Trustee), shall deliver
        or
        cause to be delivered to the Trustee or the Custodian, as applicable, a
        photocopy of such Mortgage, together with (A) in the case of a delay caused
        by
        the public recording office, an officer’s certificate of the related Responsible
        Party, or evidence of certification on the face of such photocopy of such
        Mortgage, or certified by the title company, escrow agent, or closing attorney
        stating that such Mortgage has been dispatched to the appropriate public
        recording office for recordation and that the original recorded Mortgage
        or a
        copy of such Mortgage certified by such public recording office to be a true
        and
        complete copy of the original recorded Mortgage will be promptly delivered
        to
        the Trustee or the Custodian, as applicable, upon receipt thereof by the
        related
        Responsible Party; or (B) in the case of a Mortgage where a public recording
        office retains the original recorded Mortgage or in the case where a Mortgage
        is
        lost after recordation in a public recording office, a copy of such Mortgage
        certified by such public recording office to be a true and complete copy
        of the
        original recorded Mortgage;

       

      (iv)  the
        originals of all assumption, modification, consolidation or extension agreements
        (if provided), with evidence of recording thereon or a certified true copy
        of
        such agreement submitted for recording;

       

      (v)  except
        with respect to each MERS Designated Mortgage Loan, the original Assignment
        of
        Mortgage for each Mortgage Loan endorsed in blank and in recordable
        form;

       

      (vi)  the
        originals of all intervening Assignments of Mortgage (if any) evidencing
        a
        complete chain of assignment from the applicable originator (or MERS with
        respect to each MERS Designated Mortgage Loan) to the last endorsee with
        evidence of recording thereon, or if any such intervening assignment has
        not
        been returned from the applicable recording office or has been lost or if
        such
        public recording office retains the original recorded Assignments of Mortgage,
        the related Responsible Party (to the extent that it has not previously
        delivered the same to the Purchaser or the Trustee), shall deliver or cause
        to
        be delivered to the Trustee or the Custodian, as applicable, a photocopy
        of such
        intervening assignment, together with (A) in the case of a delay caused by
        the
        public recording office, an officer’s certificate of such Responsible Party, or
        evidence of certification on the face of such photocopy of such intervening
        assignment, or certified by the title company, escrow agent, or closing attorney
        stating that such intervening Assignment of Mortgage has been dispatched
        to the
        appropriate public recording office for recordation and that such original
        recorded intervening Assignment of Mortgage or a copy of such intervening
        Assignment of Mortgage certified by the appropriate public recording office
        to
        be a true and complete copy of the original recorded intervening assignment
        of
        mortgage will be promptly delivered to the Trustee or the Custodian, as
        applicable, upon receipt thereof by the related Responsible Party, or (B)
        in the
        case of an intervening assignment where a public recording office retains
        the
        original recorded intervening assignment or in the case where an intervening
        assignment is lost after recordation in a public recording office, a copy
        of
        such intervening assignment certified by such public recording office to
        be a
        true and complete copy of the original recorded intervening
        assignment;

       

      (vii)  the
        original or copy of lender’s title policy or any one of an original title
        binder, an original or copy of the preliminary title report or an original
        or
        copy of the title commitment; and

       

      (viii)  a
        security agreement, chattel mortgage or equivalent document executed in
        connection with the Mortgage (if provided).

       

      The
        Depositor shall use reasonable efforts to assist the Trustee, the Custodian
        and
        the related Servicer in enforcing the obligations of the Purchaser under
        the
        related Responsible Party Agreements.

       

      Each
        Mortgage Loan for which a Mortgage Note is missing shall be evidenced by
        a lost
        note affidavit as of the Closing Date. In the event one or more lost note
        affidavits are provided to cover multiple missing Mortgage Notes on the Closing
        Date, the Depositor shall use reasonable efforts to cause the related
        Responsible Party to deliver to the Trustee or the Custodian, as applicable,
        the
        applicable individual lost note affidavits within ten (10) Business Days
        of the
        Closing Date. If such Responsible Party fails to deliver the required individual
        lost note affidavits within the specified period of time, the Trustee shall
        notify such Responsible Party to take such remedial actions, including, without
        limitation, the repurchase by such Responsible Party of such Mortgage Loan
        within 60 days of the Closing Date.

       

      The
        Depositor shall use reasonable efforts to cause the Purchaser and the related
        Responsible Party to deliver to the Trustee or the Custodian, as applicable,
        the
        applicable recorded document promptly upon receipt from the respective recording
        office but in no event later than 150 days from the Closing Date.

       

      If
        any
        Mortgage has been recorded in the name of Mortgage Electronic Registration
        System, Inc. (“MERS”) or its designee, no Assignment of Mortgage in favor of the
        Trustee will be required to be prepared or delivered and instead, the applicable
        Servicer shall take all reasonable actions as are necessary at the expense
        of
        the Depositor to cause the Trust to be shown as the owner of the related
        Mortgage Loan on the records of MERS for the purpose of the system of recording
        transfers of beneficial ownership of mortgages maintained by MERS.

       

      The
        Depositor shall use reasonable efforts to cause the Purchaser and the related
        Responsible Party, as applicable, to forward, with respect to the related
        Mortgage Loans, to the Trustee or the Custodian, as applicable, additional
        documents evidencing an assumption, modification, consolidation or extension
        of
        a related Mortgage Loan approved by such Responsible Party in accordance
        with
        the terms of the related Responsible Party Agreements. All such mortgage
        documents held by the Trustee or the Custodian, as applicable, as to each
        Mortgage Loan shall constitute the “Custodial File.” The Trustee shall have no
        duty or obligation to request or verify whether any such mortgage documents
        exist.

       

      On
        or
        prior to the Closing Date, the Depositor shall use reasonable efforts to
        cause
        the Purchaser or related Responsible Party to deliver to the Trustee or the
        Custodian, as applicable, Assignments of Mortgages, in blank, for each
        applicable Mortgage Loan (except with respect to each MERS Designated Mortgage
        Loan). The Depositor shall use reasonable efforts to cause the Purchaser
        or
        related Responsible Party to cause the Assignments of Mortgage with completed
        recording information to be provided to the related Servicer in a reasonably
        acceptable manner. In the event that any Assignment of Mortgage is not recorded
        or is improperly recorded, the applicable Servicer will have no liability
        directly resulting from such lack of recordation or such improper recordation
        and solely resulting from any failure to receive notices made with respect
        to
        such Assignment of Mortgage, except for any liability incurred by reason
        of
        willful misfeasance, bad faith or negligence by such Servicer in the performance
        hereunder or by reason of reckless disregard of its obligations and duties
        hereunder. No
        later
        than thirty (30) Business Days following the later of the Closing Date and
        the
        date of receipt by the Trustee or Custodian, as applicable, of the fully
        completed Assignments of Mortgages in recordable form, the Depositor shall
        promptly submit or cause to be submitted for recording, at the expense of
        the
        related Responsible Party pursuant to the related Responsible Party Agreement,
        at no expense to the Trust Fund, the Depositor, the Custodian, the Master
        Servicer or the Trustee in the appropriate public office for real property
        records, each Assignment of Mortgage referred to in Section
        2.01(b)(v).
        Notwithstanding the foregoing, however, for administrative convenience and
        facilitation of servicing and to reduce closing costs, the Assignments of
        Mortgage shall not be required to be completed and submitted for recording
        with
        respect to any Mortgage Loan (i) except with respect to any Mortgage Loan
        located in Maryland or Kentucky, unless the Trustee and the Depositor receive
        written notice that such failure to record would result in a withdrawal or
        a
        downgrading by any Rating Agency of the rating on any Class of Certificates
        (which, with respect to the Class A-1 Certificates, shall be without giving
        effect to the Policy) or (ii) if such Mortgage Loan is a MERS Designated
        Mortgage Loan. If the Assignment of Mortgage is to be recorded, the Depositor
        shall use reasonable efforts to cause the Purchaser to assign the Mortgage
        at
        the Purchaser’s expense to “Deutsche Bank National Trust Company, as trustee
        under the Pooling and Servicing Agreement dated as of February 1, 2007, GSAA
        Trust 2007-S1.” In the event that any such assignment is lost or returned
        unrecorded because of a defect therein with respect to any Mortgage Loan,
        and
        such defect is not cured, the Trust shall cause the Purchaser to repurchase
        such
        Mortgage Loan pursuant to the related Responsible Party Agreements.

       

      On
        or
        prior to the Closing Date, the Depositor shall deliver to the Trustee, the
        Custodian, the Certificate Insurer, the Master Servicer and the related Servicer
        a copy of the Data Tape Information in electronic, machine readable medium
        in a
        form mutually acceptable to the Depositor, the Custodian, the Master Servicer,
        the related Servicer and the Trustee. Within ten (10) Business Days of the
        Closing Date, the Depositor shall deliver a copy of the complete Mortgage
        Loan
        Schedule to the Trustee, the Custodian, the Certificate Insurer, the Master
        Servicer and the related Servicer.

       

      In
        the
        event, with respect to any Mortgage Loan, that such original or copy of any
        document submitted for recordation to the appropriate public recording office
        is
        not so delivered to the Trustee or the Custodian, as applicable, within 180
        days
        of the Closing Date, the Trustee shall notify the Depositor and the Depositor
        shall take or cause to be taken such remedial actions under the related
        Responsible Party Agreement as may be permitted to be taken thereunder,
        including without limitation, if applicable, the repurchase by the related
        Responsible Party of such Mortgage Loan. The foregoing repurchase remedy
        shall
        not apply in the event that the related Responsible Party cannot deliver
        such
        original or copy of any document submitted for recordation to the appropriate
        public recording office within the specified period due to a delay caused
        by the
        recording office in the applicable jurisdiction; provided, that the related
        Responsible Party shall instead deliver a recording receipt of such recording
        office or, if such recording receipt is not available, an officer’s certificate
        of an officer of the related Responsible Party confirming that such document
        has
        been accepted for recording.

       

      Notwithstanding
        anything to the contrary contained in this Section 2.01, in those instances
        where the public recording office retains or loses the original Mortgage
        or
        assignment after it has been recorded, the obligations of the related
        Responsible Party shall be deemed to have been satisfied upon delivery by
        the
        related Responsible Party to the Trustee or the Custodian, as applicable,
        prior
        to the Closing Date of a copy of such Mortgage or assignment, as the case
        may
        be, certified (such certification to be an original thereof) by the public
        recording office to be a true and complete copy of the recorded original
        thereof.

       

      (c)  The
        Depositor does hereby establish, pursuant to the further provisions of this
        Agreement and the laws of the State of New York, an express trust (the “Trust”)
        to be known, for convenience, as “GSAA Trust 2007-S1” and Deutsche Bank National
        Trust Company is hereby appointed as Trustee in accordance with the provisions
        of this Agreement.
        The
        parties hereto acknowledge and agree that it is the policy and intention
        of the
        Trust to acquire only Mortgage Loans meeting the requirements set forth in
        this
        Agreement, including the requirement that no Mortgage Loan be a High Cost
        Mortgage Loan and no Mortgage Loan originated on or after October 1, 2002
        through March 6, 2003 be governed by the Georgia Fair Lending
        Act.

       

      (d)  The
        Trust
        shall have the capacity, power and authority, and the Trustee on behalf of
        the
        Trust is hereby authorized, to accept the sale, transfer, assignment, set
        over
        and conveyance by the Depositor to the Trust of all the right, title and
        interest of the Depositor in and to the Trust Fund (including, without
        limitation, the Mortgage Loans, the Responsible Party Agreements and the
        Representations and Warranties Agreement) pursuant to Section 2.01(a). The
        parties hereby acknowledge and agree that the execution and delivery of the
        Interest Rate Swap Agreement by the Supplemental Interest Trust Trustee on
        behalf of the Supplemental Interest Trust was authorized and is hereby ratified
        and confirmed.

       

      Section
        2.02  Acceptance
        by the Trustee and the Custodian of the Mortgage Loans.
        Each of
        the Trustee and the Custodian, as applicable, acknowledges receipt of the
        documents identified in the Initial Certification in the form annexed hereto
        as
        Exhibit E-1 or E-2, as applicable, and declares that it holds and will hold
        such documents and the other documents delivered to it pursuant to
        Section 2.01, and that it holds or will hold such other assets as are
        included in the Trust Fund, in trust for the exclusive use and benefit of
        all
        present and future Certificateholders. Each of the Trustee and the Custodian,
        as
        applicable, acknowledges that it will maintain possession of the related
        Mortgage Notes in the States of California and Minnesota, as applicable,
        unless
        otherwise permitted by the Certificate Insurer and the Rating
        Agencies.

       

      On
        the
        Closing Date, the Trustee and the Custodian, as applicable, shall ascertain
        that
        all documents required to be reviewed by it are in its possession, and shall
        deliver to the Depositor, the Certificate Insurer, the Trustee, if applicable,
        the Master Servicer, if applicable, and the related Servicer an Initial
        Certification, in the form annexed hereto as Exhibit E-1 or E-2, as
        applicable, certifying receipt of a Mortgage Note and Assignment of Mortgage
        for
        each Mortgage Loan with any exception thereon, and shall deliver to the
        Depositor, the Certificate Insurer, the Master Servicer and the related Servicer
        a Document Certification and Exception Report, in the form annexed hereto
        as
        Exhibit F-1 or F-2, as applicable, within 90 days (or with respect to any
        Substitute Mortgage Loan delivered to the Trustee or the Custodian, as
        applicable, within 30 days after the receipt of the mortgage file by the
        Trustee
        or the Custodian, as applicable) after the Closing Date to the effect that,
        as
        to each Mortgage Loan listed in the Mortgage Loan Schedule (other than any
        Mortgage Loan paid in full or any Mortgage Loan specifically identified in
        such
        certification as an exception and not covered by such certification):
        (i) all documents required to be reviewed by it are in its possession;
        (ii) such documents have been reviewed by it and appear regular on their
        face and relate to such Mortgage Loan; (iii) based on its examination and
        only as to the foregoing documents, the information set forth in items (1),
        (2),
        (3) and (13) of the Mortgage Loan Schedule and items (1), (2), (3) and (13)
        of
        the related Data Tape Information respecting such Mortgage Loan is correct;
        and
        (iv) each Mortgage Note has been endorsed as provided in Section 2.01
        of this Agreement. The Trustee and the Custodian, as applicable, shall not
        be
        responsible to verify the validity, sufficiency or genuineness of any document
        in any Custodial File.

       

      The
        Trustee and the Custodian, as applicable, shall retain possession and custody
        of
        each Custodial File in accordance with and subject to the terms and conditions
        set forth herein. The related Servicer shall promptly deliver to the Trustee
        and
        the Custodian, as applicable, upon the execution or receipt thereof, the
        originals of such other documents or instruments constituting the Custodial
        File
        as come into the possession of such Servicer from time to time.

       

      The
        Depositor shall use reasonable efforts to cause the related Responsible Party
        to
        deliver to the related Servicer copies of all trailing documents required
        to be
        included in the Custodial File at the same time the original or certified
        copies
        thereof are delivered to the Trustee and the Custodian, as applicable, including
        but not limited to such documents as the title insurance policy and any other
        Mortgage Loan documents upon return from the public recording office. The
        Depositor shall use reasonable efforts to cause the related Responsible Party
        to
        deliver such documents at such Responsible Party’s expense to the related
        Servicer and in no event shall such Servicer be responsible for any expenses
        relating to such delivery obligation.

       

      Section
        2.03  Representations,
        Warranties and Covenants of the Servicers and the Custodian.
        (a)
        Each of
        Ocwen, Avelo and SLS hereby makes the representations and warranties set
        forth
        in Schedules II-A, II-B and II-C, respectively, hereto to the Depositor,
        the
        Certificate Insurer, the Master Servicer and the Trustee as of the Closing
        Date.

       

      (b)  The
        Custodian hereby makes the representations and warranties set forth in Schedule
        II-D hereto to the Depositor, the Master Servicer, the Certificate Insurer,
        the
        Servicers and the Trustee.

       

      (c)  It
        is
        understood and agreed by each Servicer, the Custodian, the Master Servicer
        and
        the Trustee that the representations and warranties set forth in this
        Section 2.03 shall survive the transfer of the related Mortgage Loans by
        the Depositor to the Trustee, and shall inure to the benefit of the Depositor
        and the Trustee, notwithstanding any restrictive or qualified endorsement
        on any
        Mortgage Note or Assignment of Mortgage or the examination or failure to
        examine
        any Mortgage File. Upon discovery by the Depositor, the Trustee, the Master
        Servicer, the Custodian, the Certificate Insurer or the related Servicer
        of a
        breach of any of the foregoing representations and warranties, the party
        discovering such breach shall give prompt written notice to the
        others.

       

      (d)  In
        connection with any repurchase or substitution of a Mortgage Loan pursuant
        to
        this Section 2.03 or the related Responsible Party Agreements, the related
        Servicer shall, based on information provided by the Purchaser, amend the
        Mortgage Loan Schedule for the benefit of the Certificateholders and the
        Certificate Insurer to reflect the removal of such Deleted Mortgage Loan
        or
        Loans and the substitution of the Substitute Mortgage Loan or Loans and the
        related Servicer shall deliver the amended Mortgage Loan Schedule to the
        Trustee. Upon any such repurchase or any substitution and the deposit to
        the
        related Collection Account of any Substitution Adjustment Amount, the Trustee
        or
        the Custodian, as applicable, shall release the Mortgage File held for the
        benefit of the related Certificateholders and the Certificate Insurer relating
        to such Deleted Mortgage Loan to the Purchaser or the related Responsible
        Party,
        as applicable, and shall execute and deliver at the direction of the Purchaser
        or the related Responsible Party, as applicable, such instruments of transfer
        or
        assignment prepared by the Purchaser or the related Responsible Party, as
        applicable, in each case without recourse, as shall be necessary to vest
        title
        in the Purchaser or the related Responsible Party, as applicable, or their
        respective designees, the Trustee’s interest in any Deleted Mortgage Loan
        substituted for pursuant to this Section 2.03.

       

      (e)  For
        any
        month in which the Purchaser or the related Responsible Party, as applicable,
        substitutes one or more Substitute Mortgage Loans for one or more Deleted
        Mortgage Loans, the related Servicer will determine the amount (if any) by
        which
        the aggregate unpaid principal balance of all such Substitute Mortgage Loans
        as
        of the date of substitution is less than the aggregate Stated Principal Balance
        of all such Deleted Mortgage Loans (after application of the scheduled principal
        portion of the Scheduled Payments due in the Due Period of substitution).
        The
        Depositor shall use reasonable efforts to cause the Purchaser or the related
        Responsible Party, as applicable, to remit to the related Servicer for deposit
        into the related Collection Account on or before the next Servicer Remittance
        Date the amount of such shortage (the “Substitution Adjustment
        Amount”).

       

      (f)  In
        the
        event that a Mortgage Loan shall have been repurchased pursuant to the related
        Responsible Party Agreements, the proceeds from such repurchase shall be
        deposited in the related Collection Account by the applicable Servicer, pursuant
        to Section 3.10 on or before the next Servicer Remittance Date and upon
        such deposit of the Repurchase Price, and receipt of a Request for Release
        in
        the form of Exhibit J hereto, the Trustee or the Custodian, as applicable,
        shall release the related Custodial File held for the benefit of the related
        Certificateholders and the Certificate Insurer to such Person as directed
        by the
        related Servicer, and the Trustee or the Custodian, as applicable, shall
        execute
        and deliver at such Person’s direction such instruments of transfer or
        assignment prepared by such Person, in each case without recourse, as shall
        be
        necessary to transfer title from the Trustee or the Custodian, as applicable.
        It
        is understood and agreed that the obligation under this Agreement of any
        Person
        to cure, repurchase or replace any Mortgage Loan as to which a breach has
        occurred and is continuing, together with any related indemnification
        obligations, shall constitute the sole remedy against such Persons respecting
        such breach available to the Certificateholders, the Depositor, the related
        Servicer, the Master Servicer or the Trustee on their behalf.

       

      The
        representations and warranties made pursuant to this Section 2.03 shall
        survive delivery of the respective Custodial Files to the Trustee or the
        Custodian, as applicable, for the benefit of the Certificateholders and the
        Certificate Insurer.

       

      Section
        2.04  [Reserved]. 

       

      Section
        2.05  Execution
        and Delivery of Certificates.
        The
        Trustee acknowledges the transfer and assignment to it of the Trust Fund
        and,
        concurrently with such transfer and assignment, has executed and delivered
        to or
        upon the order of the Depositor, the Certificates in authorized denominations
        evidencing directly or indirectly the entire ownership of the Trust Fund.
        The
        Trustee agrees to hold the Trust Fund and exercise the rights referred to
        above
        for the benefit of all present and future Holders of the Certificates and
        the
        Certificate Insurer.

       

      Section
        2.06  REMIC
        Matters.
        The
        Preliminary Statement sets forth the designations for federal income tax
        purposes of all interests created hereby. The “Start-up Day” for purposes of the
        REMIC Provisions shall be the Closing Date. The “latest possible maturity date”
is the Distribution Date in February 2037, which is the Distribution Date
        following the latest Mortgage Loan maturity date.

       

      Section
        2.07  Representations
        and Warranties of the Depositor.
        The
        Depositor hereby represents, warrants and covenants to the Trustee, the
        Certificate Insurer, each Servicer, the Custodian and the Master Servicer
        that
        as of the date of this Agreement or as of such date specifically provided
        herein:

       

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

       

      (b)  The
        Depositor has the corporate power and authority to convey the Mortgage Loans
        and
        to execute, deliver and perform, and to enter into and consummate the
        transactions contemplated by, this Agreement;

       

      (c)  This
        Agreement has been duly and validly authorized, executed and delivered by
        the
        Depositor, all requisite corporate action having been taken, and, assuming
        the
        due authorization, execution and delivery hereof by the Servicers, the Trustee,
        the Master Servicer and the Custodian, constitutes or will constitute the
legal,
        valid and binding agreement of the Depositor, enforceable against the Depositor
        in accordance with its terms, except as such enforcement may be limited by
        bankruptcy, insolvency, reorganization, moratorium or other similar laws
        relating to or affecting the rights of creditors generally, and by general
        equity principles (regardless of whether such enforcement is considered in
        a
        proceeding in equity or at law);

       

      (d)  No
        consent, approval, authorization or order of or registration or filing with,
        or
        notice to, any governmental authority or court is required for the execution,
        delivery and performance of or compliance by the Depositor with this Agreement
        or the consummation by the Depositor of any of the transactions contemplated
        hereby, except as have been made on or prior to the Closing Date;

       

      (e)  None
        of
        the execution and delivery of this Agreement, the consummation of the
        transactions contemplated hereby or thereby, or the fulfillment of or compliance
        with the terms and conditions of this Agreement, (i) conflicts or will
        conflict with or results or will result in a breach of, or constitutes or
        will
        constitute a default or results or will result in an acceleration under
        (A) the charter or bylaws of the Depositor, or (B) of any term,
        condition or provision of any material indenture, deed of trust, contract
        or
        other agreement or instrument to which the Depositor or any of its subsidiaries
        is a party or by which it or any of its subsidiaries is bound; (ii) results
        or will result in a violation of any law, rule, regulation, order, judgment
        or
        decree applicable to the Depositor of any court or governmental authority
        having
        jurisdiction over the Depositor or its subsidiaries; or (iii) results in
        the creation or imposition of any lien, charge or encumbrance which would
        have a
        material adverse effect upon the Mortgage Loans or any documents or instruments
        evidencing or securing the Mortgage Loans;

       

      (f)  There
        are
        no actions, suits or proceedings before or against or investigations of,
        the
        Depositor pending, or to the knowledge of the Depositor, threatened, before
        any
        court, administrative agency or other tribunal, and no notice of any such
        action, which, in the Depositor’s reasonable judgment, might materially and
        adversely affect the performance by the Depositor of its obligations under
        this
        Agreement, or the validity or enforceability of this Agreement;

       

      (g)  The
        Depositor is not in default with respect to any order or decree of any court
        or
        any order, regulation or demand of any federal, state, municipal or governmental
        agency that may materially and adversely affect its performance hereunder;
        and

       

      (h)  Immediately
        prior to the transfer and assignment by the Depositor to the Trustee on the
        Closing Date, the Depositor had good title to, and was the sole owner of
        each
        Mortgage Loan, free of any interest of any other Person, and the Depositor
        has
        transferred all right, title and interest in each Mortgage Loan to the Trustee.
        The transfer of each Mortgage Note and each Mortgage as and in the manner
        contemplated by this Agreement is sufficient either (i) fully to transfer
        to the Trustee, for the benefit of the Certificateholders and the Certificate
        Insurer, all right, title, and interest of the Depositor thereto as note
        holder
        and mortgagee or (ii) to grant to the Trustee, for the benefit of the
        Certificateholders and the Certificate Insurer, the security interest referred
        to in Section 10.04.

       

      It
        is
        understood and agreed that the representations, warranties and covenants
        set
        forth in this Section 2.07 shall survive delivery of the respective
        Custodial Files to the Trustee or the Custodian, as the case may be, and
        shall
        inure to the benefit of the Trustee and the Certificate Insurer.

       

      Section
        2.08  Enforcement
        of Purchaser and Responsible Party Obligations. 

       

      Upon
        discovery by any of the parties hereto or the Certificate Insurer of a breach
        of
        a representation or warranty made by the Purchaser or related Responsible
        Party
        pursuant to the Representations and Warranties Agreement or the related
        Responsible Party Agreements, the party discovering such breach shall give
        prompt written notice thereof to the other parties to this Agreement, the
        Certificate Insurer and the Purchaser or the related Responsible Party, as
        applicable. The Trustee shall take such action, with the Depositor’s and, only
        if the Policy is outstanding in accordance with its terms, the Certificate
        Insurer’s written consent, with respect to such breach under related Responsible
        Party Agreements as may be necessary or appropriate to enforce the rights
        of the
        Trust with respect thereto.

       

       

      Section
        2.09  Purposes
        and Powers of the Trust.
        The
        purpose of the common law trust, as created hereunder, is to engage in the
        following activities:

       

      (a)  acquire
        and hold the Mortgage Loans and the other assets of the Trust Fund and the
        proceeds therefrom;

       

      (b)  to
        issue
        the Certificates sold to the Depositor in exchange for the Mortgage
        Loans;

       

      (c)  to
        make
        payments on the Certificates;

       

      (d)  to
        engage
        in those activities that are necessary, suitable or convenient to accomplish
        the
        foregoing or are incidental thereto or connected therewith; and

       

      (e)  subject
        to compliance with this Agreement, to engage in such other activities as
        may be
        required in connection with conservation of the Trust Fund and the making
        of
        distributions to the Certificateholders.

       

      (f)  The
        trust
        is hereby authorized to engage in the foregoing activities. The Trustee shall
        not cause the trust to engage in any activity other than in connection with
        the
        foregoing or as required or authorized by the terms of this Agreement while
        any
        Certificate or the Policy is outstanding.

       

       

       

      ARTICLE
        III

       

      ADMINISTRATION
        AND SERVICING

      OF
        MORTGAGE LOANS

       

      Section
        3.01  Servicers
        to Service Mortgage Loans. (a)
        Prior to
        the Servicing Transfer Date, certain Mortgage Loans shall be serviced and
        administered by Ocwen, and SLS shall have no responsibility to service or
        administer such Mortgage Loans prior to the Servicing Transfer Date. For
        and on
        behalf of the Certificateholders and the Certificate Insurer, each Servicer
        shall service and administer the related Mortgage Loans, in accordance with
        the
        terms of this Agreement and in accordance with the respective Mortgage Loans
        and, to the extent consistent with such terms, in compliance with all applicable
        federal, state and local laws, and in the same manner in which it services
        and
        administers similar mortgage loans for its own portfolio, giving due
        consideration to customary and usual standards of practice of mortgage lenders
        and loan servicers administering similar mortgage loans but without regard
        to:

       

      (i)  any
        relationship that the related Servicer, any Subservicer or any Affiliate
        of such
        Servicer or any Subservicer may have with the related Mortgagor;

       

      (ii)  the
        ownership or non-ownership of any Certificate by the related Servicer or
        any
        Affiliate of such Servicer;

       

      (iii)  the
        related Servicer’s obligation to make P&I Advances or Servicing Advances;
        or

       

      (iv)  the
        related Servicer’s or any Subservicer’s right to receive compensation for its
        services hereunder or with respect to any particular transaction.

       

      To
        the
        extent consistent with the foregoing, the related Servicer shall seek to
        maximize the timely and complete recovery of principal and interest on the
        related Mortgage Notes. Subject only to the above-described servicing standards
        and the terms of this Agreement and of the respective Mortgage Loans, the
        related Servicer shall have full power and authority, acting alone or through
        Subservicers as provided in Section 3.02, to do or cause to be done any and
        all things in connection with such servicing and administration which it
        may
        deem necessary or desirable. Without limiting the generality of the foregoing,
        the related Servicer in its own name or in the name of a Subservicer is hereby
        authorized and empowered by the Trustee or the Master Servicer, when such
        Servicer believes it appropriate in its best judgment in accordance with
        Accepted Servicing Practices, to execute and deliver any and all instruments
        of
        satisfaction or cancellation, or of partial or full release or discharge,
        and
        all other comparable instruments, with respect to the related Mortgage Loans
        and
        the Mortgaged Properties and to institute foreclosure proceedings or obtain
        a
        deed-in-lieu of foreclosure so as to convert the ownership of such properties,
        and to hold or cause to be held title to such properties, on behalf of the
        Trustee and in the name of the Trust. The related Servicer shall service
        and
        administer the Mortgage Loans in accordance with applicable state and federal
        law and shall provide to the Mortgagors any reports required to be provided
        to
        them thereby. Subject to Section 3.16, the Trustee shall execute, at the
        written request of the related Servicer, and furnish to the related Servicer
        and
        any Subservicer such documents as are necessary or appropriate to enable
        such
        Servicer or any Subservicer to carry out their servicing and administrative
        duties hereunder, and the Trustee hereby grants to the related Servicer and
        each
        Subservicer, and this Agreement shall constitute, a power of attorney to
        carry
        out such duties including a power of attorney to take title to Mortgaged
        Properties after foreclosure on behalf of the Trustee and in the name of
        the
        Trust. Promptly upon written request, after the Closing Date, the Trustee
        shall
        execute and deliver a power of attorney in the form attached hereto as Exhibit
        P
        in favor of the related Servicer and/or each Subservicer for the purposes
        described herein to the extent necessary or desirable to enable such Servicer
        to
        perform its duties hereunder. The Trustee shall not be liable for the actions
        or
        inactions of the related Servicer or any Subservicers under such powers of
        attorney. The Trust shall be liable for such actions and inactions, to the
        extent so provided in this Agreement, unless such actions or inactions are
        outside the authorization provided in the powers of attorney. If
        the
        related Servicer receives any notice of suit, litigation or proceeding in
        the
        name of Deutsche Bank National Trust Company, then such Servicer shall promptly
        forward a copy of same to the Trustee unless the notice of said suit, litigation
        or proceeding was provided by the Trustee to such Servicer.

       

      (b)  In
        accordance with the standards of the preceding paragraph, the related Servicer
        shall advance or cause to be advanced funds as necessary for the purpose
        of
        effecting the timely payment of taxes and assessments on the related Mortgaged
        Properties (to the extent such Servicer has received reasonable timely written
        notice that such taxes or assessments have not been paid by the related
        Mortgagor or the owner or the servicer of a related First Lien Mortgage Loan;
        provided that the Servicer shall not be required to have tax contracts covering
        Mortgage Loans), which advances shall be Servicing Advances reimbursable
        in the
        first instance from related collections from the Mortgagors, and further
        as
        provided in Section 3.11. Any cost incurred by the related Servicer or by
        Subservicers in effecting the timely payment of taxes and assessments on
        a
        Mortgaged Property shall not be added to the unpaid principal balance of
        the
        related Mortgage Loan, notwithstanding that the terms of such Mortgage Loan
        so
        permit. Notwithstanding anything in this Agreement to the contrary, however,
        the
        related Servicer need not make any future advances with respect to a Mortgage
        Loan if such Servicer makes a good faith determination that such advance
        would,
        if made, constitute a Nonrecoverable P&I Advance or Nonrecoverable Servicing
        Advance, as set forth in Section 4.01 or if such Mortgage Loan is 180 days
        Delinquent.

       

      (c)  The
        related Servicer shall not (i) permit any modification with respect to any
        related Mortgage Loan that would change the Mortgage Interest Rate, reduce
        or
        increase the principal balance (except for reductions resulting from actual
        payments of principal) or change the final maturity date on such Mortgage
        Loan
        (except for (A) a reduction of interest or principal payments resulting
        from the application of the Relief Act or any similar state statutes or
        (B) as provided in Section 3.07, if the Mortgagor is in default with
        respect to the Mortgage Loan or such default is, in the judgment of such
        Servicer, reasonably foreseeable) or (ii) permit any modification, waiver
        or amendment of any term of any related Mortgage Loan that would both
        (A) effect an exchange or reissuance of such Mortgage Loan under
        Section 1001 of the Code (or final, temporary or proposed Treasury
        regulations promulgated thereunder) and (B) cause any REMIC to fail to
        qualify as a REMIC under the Code or the imposition of any tax on “prohibited
        transactions” or “contributions after the start-up day” under the REMIC
        Provisions, or (iii) except as provided in Section 3.07(a), waive any
        Prepayment Premiums.

       

      (d)  The
        related Servicer may delegate its responsibilities under this Agreement;
        provided,
        however,
        that no
        such delegation shall release such Servicer from the responsibilities or
        liabilities arising under this Agreement.

       

      (e)  If
        the
        Mortgage relating to a Mortgage Loan had a related First Lien Mortgage Loan
        on
        the related Mortgaged Property as of the Cut-off Date, then the related
        Servicer, in such capacity, may consent to the refinancing of the related
        First
        Lien Mortgage Loan, provided that the following requirements are
        met:

       

      (i)  the
        resulting Combined Loan-to-Value Ratio of such Mortgage Loan is no higher
        than
        the Combined Loan-to-Value Ratio prior to such refinancing;

       

      (ii)  the
        interest rate, or, in the case of an adjustable rate related First Lien Mortgage
        Loan, the maximum interest rate, for the loan evidencing the refinanced senior
        lien is no more than 2.0% higher than the interest rate or the maximum interest
        rate, as the case may be, on the existing First Lien Mortgage Loan immediately
        prior to the date of such refinancing; and

       

      (iii)  the
        loan
        evidencing the refinanced senior lien is not subject to negative
        amortization.

       

      Section
        3.02  Subservicing
        Agreements between the Related Servicer and Subservicers.

       

      (a)  Each
        Servicer may enter into subservicing agreements with subservicers (each,
        a
“Subservicer”), for the performance of a substantial portion of the material
        servicing functions and administration of the related Mortgage Loans
        (“Subservicing Agreements”).

       

      (b)  Each
        Subservicer shall be (i) authorized to transact business in the state or
        states in which the related Mortgaged Properties it is to service are situated,
        if and to the extent required by applicable law to enable the Subservicer
        to
        perform its obligations hereunder and under the Subservicing Agreement,
        (ii) an institution approved as a mortgage loan originator by the Federal
        Housing Administration or an institution that has deposit accounts insured
        by
        the FDIC and (iii) a Freddie Mac or Fannie Mae approved mortgage servicer.
        Each Subservicing Agreement must impose on the Subservicer requirements
        conforming to the provisions set forth in Section 3.08 and provide for
        servicing of the related Mortgage Loans consistent with the terms of this
        Agreement. The related Servicer will examine each Subservicing Agreement
        and
        will be familiar with the terms thereof. The terms of any Subservicing Agreement
        will not be inconsistent with any of the provisions of this Agreement. The
        related Servicer and the Subservicers may enter into and make amendments
        to the
        Subservicing Agreements or enter into different forms of Subservicing
        Agreements; provided, however, that any such amendments or different forms
        shall
        be consistent with and not violate the provisions of this Agreement, and
        that no
        such amendment or different form shall be made or entered into which could
        be
        reasonably expected to be materially adverse to the interests of the Trustee
        or
        the Certificate Insurer, without the consent of the Trustee and the Certificate
        Insurer. Any variation without the consent of the Trustee and the Certificate
        Insurer from the provisions set forth in Section 3.08 relating to insurance
        or priority requirements of Subservicing Accounts, or credits and charges
        to the
        Subservicing Accounts or the timing and amount of remittances by the
        Subservicers to the related Servicer, are conclusively deemed to be inconsistent
        with this Agreement and therefore prohibited. The related Servicer shall
        deliver
        to the Trustee, the Depositor, the Certificate Insurer, the Master Servicer
        and
        the Custodian copies of all Subservicing Agreements, and any amendments or
        modifications thereof, promptly upon such Servicer’s execution and delivery of
        such instruments.

       

      (c)  As
        part
        of its servicing activities hereunder, the related Servicer (except as otherwise
        provided in the last sentence of this paragraph), for the benefit of the
        Trustee, shall enforce the obligations of each Subservicer under the related
        Subservicing Agreement, including, without limitation, any obligation to
        make
        advances in respect of delinquent payments as required by a Subservicing
        Agreement. Such enforcement, including, without limitation, the legal
        prosecution of claims, termination of Subservicing Agreements, and the pursuit
        of other appropriate remedies, shall be in such form and carried out to such
        an
        extent and at such time as the related Servicer, in its good faith business
        judgment, would require were it the owner of the related Mortgage Loans.
        The
        related Servicer shall pay the costs of such enforcement at its own expense,
        and
        shall be reimbursed therefor only (i) from a general recovery resulting
        from such enforcement, to the extent, if any, that such recovery exceeds
        all
        amounts due in respect of the related Mortgage Loans or (ii) from a
        specific recovery of costs, expenses or attorneys’ fees against the party
        against whom such enforcement is directed.

       

       

      (d)  Each
        Servicer shall cause any Subservicer engaged by such Servicer (or by any
        Subservicer) for the benefit of the Depositor, the Trustee, the Certificate
        Insurer, the Master Servicer and the Custodian to comply with the provisions
        of
        this Section 3.02 and, with respect to the Servicers, with Sections 3.22,
        3.23 and 8.12 of this Agreement to the same extent as if such Subservicer
        were
        such Servicer, and to provide the information required with respect to the
        Mortgage Loans and such Subservicer under Section 8.12(g) of this
        Agreement. Each Servicer shall be responsible for obtaining from each such
        Subservicer and delivering to applicable Persons any servicer compliance
        statement required to be delivered by such Subservicer under Section 3.22
        and any assessment of compliance report and related accountant’s attestation
        required to be delivered by such Subservicer under Section 3.23, in each
        case as and when required to be delivered.

       

       

      (e)  Subject
        to the conditions set forth in this Section 3.02, each Servicer and any
        Subservicer engaged by such Servicer is permitted to utilize one or more
        subcontractors to perform certain of its obligations hereunder. Such Servicer
        shall promptly upon request provide to the Depositor, the Trustee, the
        Certificate Insurer and the Master Servicer, if applicable, a written
        description (in form and substance satisfactory to the Depositor) of the
        role
        and function of each subcontractor utilized by such Servicer or any such
        Subservicer, specifying, if applicable, not later than the date specified
        for
        delivery of the annual report on assessment of compliance set forth in Section
        3.23 (i) the identity of each such subcontractor, if any, that is “participating
        in the servicing function” within the meaning of Item 1122 of
        Regulation AB, and (ii) which elements of the Servicing Criteria will
        be addressed in assessments of compliance provided by each subcontractor
        identified pursuant to clause (i) of this paragraph. Unless a Form 15
        Suspension Notice shall have been filed with respect to the Trust Fund and
        for
        so long as the Trust Fund is subject to the Exchange Act reporting requirements,
        as a condition to the utilization by such Servicer or any such Subservicer
        of
        any subcontractor determined to be “participating in the servicing function”
within the meaning of Item 1122 of Regulation AB, such Servicer shall
        cause any such subcontractor used by such Servicer (or by any such Subservicer)
        for the benefit of the Depositor, the Trustee, the Certificate Insurer and,
        if
        applicable, the Master Servicer to comply with the provisions of
        Section 8.12 of this Agreement. Such Servicer shall be responsible for
        obtaining from each such subcontractor and delivering to the applicable Persons
        any assessment of compliance report and related accountant’s attestation
        required to be delivered by such subcontractor under Section 3.23, in each
        case as and when required to be delivered.

       

      Notwithstanding
        the foregoing, if a Servicer engages a subcontractor in connection with the
        performance of any of its duties under this Agreement, such Servicer shall
        be
        responsible for determining whether such subcontractor is a “servicer” within
        the meaning of Item 1101 of Regulation AB and whether any such affiliate or
        third-party vendor meets the criteria in Item 1108(a)(2)(i) through (iii)
        of
        Regulation AB. If a Servicer determines, pursuant to the preceding
        sentence, that such subcontractor is a “servicer” within the meaning of
        Item 1101 of Regulation AB and meets the criteria in Item
        1108(a)(2)(i) through (iii) of Regulation AB, then such subcontractor shall
        be deemed to be a Subservicer for purposes of this Agreement (and shall not
        be
        required to meet the requirements of a Subservicer set forth in Section
        3.02(b)), the engagement of such Subservicer shall not be effective unless
        and
        until notice is given pursuant to Section 3.02(a) and such Servicer shall
        comply with Section 3.02(d) with respect thereto.

       

      Section
        3.03  Successor
        Subservicers.
        The
        related Servicer shall be entitled to terminate any Subservicing Agreement
        and
        the rights and obligations of any Subservicer pursuant to any Subservicing
        Agreement in accordance with the terms and conditions of such Subservicing
        Agreement. In the event of termination of any Subservicer, all servicing
        obligations of such Subservicer shall be assumed simultaneously by the related
        Servicer without any act or deed on the part of such Subservicer or the related
        Servicer, and such Servicer either shall service directly the related Mortgage
        Loans or shall enter into a Subservicing Agreement with a successor Subservicer
        which qualifies under Section 3.02.

       

      Any
        Subservicing Agreement shall include the provision that such agreement may
        be
        immediately terminated by the Depositor or the Trustee without fee, in
        accordance with the terms of this Agreement, in the event that the related
        Servicer shall, for any reason, no longer be the servicer (including termination
        due to an Event of Default) with respect to the related Mortgage
        Loans.

       

      Section
        3.04  Liability
        of the Servicer.
        Notwithstanding any Subservicing Agreement, any of the provisions of this
        Agreement relating to agreements or arrangements between the related Servicer
        and a Subservicer or reference to actions taken through a Subservicer or
        otherwise, each Servicer shall remain obligated and primarily liable to the
        Trustee for the servicing and administering of the related Mortgage Loans
        in
        accordance with the provisions of Section 3.01 without diminution of such
        obligation or liability by virtue of such Subservicing Agreements or
        arrangements or by virtue of indemnification from the Subservicer and to
        the
        same extent and under the same terms and conditions as if the related Servicer
        alone were servicing and administering such Mortgage Loans. The related Servicer
        shall be entitled to enter into any agreement with a Subservicer for
        indemnification of such Servicer by such Subservicer and nothing contained
        in
        this Agreement shall be deemed to limit or modify such
        indemnification.

       

      Section
        3.05  No
        Contractual Relationship between Subservicers, the Trustee and the Master
        Servicer.
        Any
        Subservicing Agreement that may be entered into and any transactions or services
        relating to the Mortgage Loans involving a Subservicer in its capacity as
        such
        shall be deemed to be between the Subservicer and the related Servicer alone,
        and neither the Trustee nor the Master Servicer (or any successor servicer),
        shall be deemed a party thereto and shall have claims, rights, obligations,
        duties or liabilities with respect to the Subservicer except as set forth
        in
        Section 3.06. The related Servicer shall be solely liable for all fees owed
        by it to any Subservicer, irrespective of whether such Servicer’s compensation
        pursuant to this Agreement is sufficient to pay such fees.

       

      Section
        3.06  Assumption
        or Termination of Subservicing Agreements by the Master Servicer.
        In the
        event the related Servicer at any time shall for any reason no longer be
        the
        servicer (including by reason of the occurrence of an Event of Default) with
        respect to the related Mortgage Loans, the Master Servicer, or its designee,
        or
        another successor servicer if the successor servicer is not the Master Servicer,
        shall thereupon assume all of the rights and obligations of the related Servicer
        under each Subservicing Agreement that such Servicer may have entered into,
        with
        copies thereof provided to the Master Servicer prior to the Master Servicer
        assuming such rights and obligations, unless the Master Servicer elects to
        terminate any Subservicing Agreement in accordance with its terms as provided
        in
        Section 3.03.

       

      Upon
        such
        assumption, the Master Servicer, its designee or the successor servicer shall
        be
        deemed, subject to Section 3.03, to have assumed all of the related
        Servicer’s interest therein and to have replaced the related Servicer as a party
        to each Subservicing Agreement to which the predecessor servicer was a party
        to
        the same extent as if each Subservicing Agreement had been assigned to the
        assuming party, except that (i) the related Servicer shall not thereby be
        relieved of any liability or obligations under any Subservicing Agreement
        that
        arose before it ceased to be the related Servicer and (ii) none of the
        Depositor, the Trustee, the Master Servicer, their designees or any successor
        to
        the related Servicer shall be deemed to have assumed any liability or obligation
        of such Servicer that arose before it ceased to be the servicer.

       

      Each
        Servicer at its expense shall, upon request of the Master Servicer deliver
        to
        the assuming party all documents and records relating to each Subservicing
        Agreement and the Mortgage Loans then being serviced by it and an accounting
        of
        amounts collected and held by or on behalf of it, and otherwise use its best
        efforts to effect the orderly and efficient transfer of the Subservicing
        Agreements to the assuming party.

       

      Section
        3.07  Collection
        of Certain Mortgage Loan Payments. (a)
        Each
        Servicer shall make reasonable efforts to collect all payments called for
        under
        the terms and provisions of the related Mortgage Loans and shall, to the
        extent
        such procedures shall be consistent with this Agreement and the terms and
        provisions of any applicable insurance policies, follow such collection
        procedures as it would follow with respect to mortgage loans comparable to
        the
        related Mortgage Loans and, to the extent applicable, held for its own account.
        Consistent with the foregoing and Accepted Servicing Practices, the related
        Servicer may (i) waive any late payment charge or, if applicable, any
        default interest, or (ii) extend the due dates for the Scheduled Payments
        due on a Mortgage Note for a period of not greater than 180 days; provided,
        that any extension pursuant to clause (ii) above shall not affect the
        amortization schedule of any related Mortgage Loan for purposes of any
        computation hereunder, except as provided below. In the event of any such
        arrangement pursuant to clause (ii) above, the related Servicer shall make
        timely advances on such Mortgage Loan during such extension to the extent
        required by Section 4.01 and in accordance with the amortization schedule
        of such Mortgage Loan without modification thereof by reason of such
        arrangements, subject to Section 4.01(d) pursuant to which the related
        Servicer shall not be required to make any such advances that are Nonrecoverable
        P&I Advances or P&I Advances for any Mortgage Loan that is 180 days
        Delinquent. Notwithstanding the foregoing, in the event that any Mortgage
        Loan
        is in default or in the judgment of the related Servicer, such default is
        reasonably foreseeable, such Servicer, consistent with the standards set
        forth
        in Section 3.01, may also waive, modify or vary any term of such Mortgage
        Loan (including modifications that would change the Mortgage Interest Rate,
        forgive the payment of principal or interest, extend the final maturity date
        of
        such Mortgage Loan or waive, in whole or in part, a Prepayment Premium),
        accept
        payment from the related Mortgagor of an amount less than the Stated Principal
        Balance in final satisfaction of such Mortgage Loan, or consent to the
        postponement of strict compliance with any such term or otherwise grant
        indulgence to any Mortgagor (any and all such waivers, modifications, variances,
        forgiveness of principal or interest, postponements, or indulgences collectively
        referred to herein as “Forbearance”); provided, however, that the final maturity
        date of any Mortgage Loan may not be extended beyond the applicable Final
        Scheduled Distribution Date. The related Servicer’s analysis supporting any
        Forbearance and the conclusion that any Forbearance meets the standards of
        Section 3.01 shall be reflected in writing in the applicable Servicing File
        or
        on such Servicer’s servicing records. In addition, notwithstanding the
        foregoing, the related Servicer may also waive (or permit a Subservicer to
        waive), in whole or in part, a Prepayment Premium if such waiver would, in
        such
        Servicer’s judgment, maximize recoveries on the related Mortgage Loan or if such
        Prepayment Premium is (i) not permitted to be collected by applicable law
        or regulation, or the collection thereof would be considered “predatory”
pursuant to written guidance published by any applicable federal, state or
        local
        regulatory authority having jurisdiction over such matters, or (ii) the
        enforceability thereof is limited (1) by bankruptcy, insolvency,
        moratorium, receivership or other similar laws relating to creditor’s rights or
        (2) due to acceleration in connection with a foreclosure or other
        involuntary payment or the Servicer has not been provided with information
        sufficient to enable it to collect the Prepayment Premium. If a Prepayment
        Premium is waived other than as permitted in this Section 3.07(a), then the
        related Servicer is required to pay the amount of such waived Prepayment
        Premium, for the benefit of the Holders of the Class P Certificates by
        depositing such amount into the related Collection Account together with
        and at
        the time that the amount prepaid on the related Mortgage Loan is required
        to be
        deposited into the related Collection Account; provided, however, that the
        related Servicer shall not have an obligation to pay the amount of any
        uncollected Prepayment Premium if the failure to collect such amount is the
        direct result of inaccurate or incomplete information on the related Mortgage
        Loan Schedule in effect at such time.

       

      (b)  The
        applicable Servicer shall give notice to the Trustee, the Certificate Insurer,
        each Rating Agency, the Master Servicer and the Depositor of any proposed
        change
        of the location of the related Collection Account within a reasonable period
        of
        time prior to any change thereof.

       

      Section
        3.08  Subservicing
        Accounts.
        In those
        cases where a Subservicer is servicing a Mortgage Loan pursuant to a
        Subservicing Agreement, the Subservicer will be required to establish and
        maintain one or more accounts (collectively, the “Subservicing Account”). The
        Subservicing Account shall be an Eligible Account and shall otherwise be
        acceptable to the related Servicer. The Subservicer shall deposit in the
        clearing account (which account must be an Eligible Account) in which it
        customarily deposits payments and collections on mortgage loans in connection
        with its mortgage loan servicing activities on a daily basis, and in no event
        more than one Business Day after the Subservicer’s receipt thereof, all proceeds
        of the related Mortgage Loans received by the Subservicer less its servicing
        compensation to the extent permitted by the Subservicing Agreement, and shall
        thereafter deposit such amounts in the Subservicing Account, in no event
        more
        than two Business Days after the deposit of such funds into the clearing
        account. The Subservicer shall thereafter deposit such proceeds in the related
        Collection Account of the related Servicer or remit such proceeds to the
        related
        Servicer for deposit in the related Collection Account not later than two
        Business Days after the deposit of such amounts in the Subservicing Account.
        For
        purposes of this Agreement, the related Servicer shall be deemed to have
        received payments on the related Mortgage Loans when the Subservicer receives
        such payments.

       

      Section
        3.09  [Reserved].

       

      Section
        3.10  Collection
        Accounts. 

       

      (a)  On
        behalf
        of the Trustee and the Master Servicer, as applicable, each Servicer shall
        establish and maintain, or cause to be established and maintained, one or
        more
        segregated Eligible Accounts (each such account or accounts, a “Collection
        Account”), held in trust for the benefit of the Trustee. Funds in the related
        Collection Account shall not be commingled with any other funds of the related
        Servicer. On behalf of the Trustee, the related Servicer shall deposit or
        cause
        to be deposited in the clearing account (which account must be an Eligible
        Account) in which it customarily deposits payments and collections on mortgage
        loans in connection with its mortgage loan servicing activities on a daily
        basis, and in no event more than one Business Day after such Servicer’s receipt
        thereof, and shall thereafter deposit in the related Collection Account,
        in no
        event more than two Business Days (or, in the case of Avelo, as soon as the
        proper cash applicable can be determined but in no event more than five Business
        Days) after the deposit of such funds into the clearing account, as and when
        received or as otherwise required hereunder, the following payments and
        collections received or made by it subsequent to the Cut-off Date (other
        than in
        respect of principal or interest on the related Mortgage Loans due on or
        before
        the Cut-off Date), or payments (other than Principal Prepayments) received
        by it
        on or prior to the related Cut-off Date but allocable to a Due Period subsequent
        thereto:

       

      (i)  all
        payments on account of principal, including Principal Prepayments, on the
        related Mortgage Loans;

       

      (ii)  all
        payments on account of interest (net of the related Servicing Fee) on each
        related Mortgage Loan;

       

      (iii)  all
        Insurance Proceeds and Condemnation Proceeds (to the extent such Insurance
        Proceeds and Condemnation Proceeds are not to be applied to the restoration
        of
        the related Mortgaged Property or released to the related Mortgagor in
        accordance with the express requirements of law or in accordance with prudent
        and customary servicing practices) and all Liquidation Proceeds with respect
        to
        the related Mortgage Loans other than proceeds to be applied to the restoration
        or repair of the Mortgaged Property or released to either the Mortgagor or
        the
        holder of a senior lien on the Mortgaged Property in accordance with the
        related
        Servicer’s normal servicing procedures;

       

      (iv)  any
        amounts required to be deposited pursuant to Section 3.12 in connection
        with any losses realized on Permitted Investments with respect to funds held
        in
        the related Collection Account;

       

      (v)  any
        amounts required to be deposited by the related Servicer pursuant to the
        second
        paragraph of Section 3.13(a) in respect of any blanket policy
        deductibles;

       

      (vi)  all
        proceeds of any related Mortgage Loan repurchased or purchased in accordance
        with this Agreement and any Substitution Adjustment Amount; and

       

      (vii)  all
        Prepayment Premiums collected by the related Servicer.

       

      The
        foregoing requirements for deposit in the related Collection Accounts shall
        be
        exclusive, it being understood and agreed that, without limiting the generality
        of the foregoing, any payments in the nature of late payment charges, NSF
        fees,
        reconveyance fees, assumption fees and other similar fees and charges need
        not
        be deposited by the related Servicer in the related Collection Account and
        shall, upon collection, belong to the related Servicer as additional
        compensation for its servicing activities. In the event the related Servicer
        shall deposit in the related Collection Account any amount not required to
        be
        deposited therein, it may at any time withdraw such amount from the related
        Collection Account, any provision herein to the contrary
        notwithstanding.

       

      (b)  Funds
        in
        the related Collection Account may be invested in Permitted Investments in
        accordance with the provisions set forth in Section 3.12. The related
        Servicer shall give notice to the Trustee, the Certificate Insurer, the
        Depositor and the Master Servicer of the location of the related Collection
        Account maintained by it when established and prior to any change
        thereof.

       

      Section
        3.11  Withdrawals
        from the Collection Account. (a)
        Each
        Servicer shall, from time to time, make withdrawals from the related Collection
        Account for any of the following purposes or as described in
        Section 4.01:

       

      (i)  on
        or
        prior to the Servicer Remittance Date, to remit to the Trustee or the Master
        Servicer, as applicable, all related Available Funds in respect of the related
        Distribution Date together with all amounts representing Prepayment Premiums
        from the related Mortgage Loans received during the related Prepayment
        Period;

       

      (ii)  to
        reimburse the related Servicer for P&I Advances, but only to the extent of
        amounts received which represent Late Collections (net of the related Servicing
        Fees) of Scheduled Payments on the related Mortgage Loans with respect to
        which
        such P&I Advances were made in accordance with the provisions of
        Section 4.01;

       

      (iii)  to
        pay
        the related Servicer or any Subservicer (A) any unpaid related Servicing
        Fees (including such unpaid related Servicing Fees as provided in Section
        3.15)
        or (B) any unreimbursed Servicing Advances with respect to each related
        Mortgage Loan serviced by the related Servicer, but only to the extent of
        any
        Late Collections, Liquidation Proceeds, Condemnation Proceeds, Insurance
        Proceeds or other amounts as may be collected by the related Servicer from
        a
        Mortgagor, or otherwise received with respect to such related Mortgage Loan
        (or
        the related REO Property);

       

      (iv)  to
        pay to
        the related Servicer as servicing compensation (in addition to the related
        Servicing Fee) on the Servicer Remittance Date any interest or investment
        income
        earned on funds deposited in the related Collection Account;

       

      (v)  to
        pay
        the related Responsible Party or the Purchaser, as applicable, with respect
        to
        each related Mortgage Loan that has previously been repurchased or replaced
        pursuant to this Agreement all amounts received thereon subsequent to the
        date
        of purchase or substitution, as the case may be;

       

      (vi)  to
        reimburse the related Servicer for (A) any P&I Advance or Servicing
        Advance previously made which the related Servicer has determined to be a
        Nonrecoverable P&I Advance or Nonrecoverable Servicing Advance in accordance
        with the provisions of Section 4.01, (B) any P&I Advance or Servicing
        Advance previously made with respect to a delinquent Mortgage Loan which
        Mortgage Loan has been modified by such Servicer in accordance with the terms
        of
        this Agreement; provided that such Servicer shall only reimburse itself for
        such
        P&I Advances and Servicing Advances at the time of such modification and
        shall reimburse itself after such modification only as otherwise permitted
        under
        the other clauses of this Section 3.11(a), and (C) any unpaid related
        Servicing Fees to the extent not recoverable from Liquidation Proceeds,
        Insurance Proceeds or other amounts received with respect to the related
        Mortgage Loan and not reimbursed under Section 3.11(a)(iii) or upon termination
        of the obligation of the related Servicer (it being understood, in the case
        of
        each such reimbursement, that the related Servicer’s right thereto shall be
        prior to the rights of the Certificateholders);

       

      (vii)  to
        pay,
        or to reimburse the related Servicer for advances in respect of, expenses
        incurred in connection with any related Mortgage Loan serviced by the related
        Servicer pursuant to Section 3.15;

       

      (viii)  to
        reimburse the related Servicer, the Master Servicer, the Depositor, the
        Certificate Insurer or the Trustee for expenses incurred by or reimbursable
        to
        such Servicer, the Master Servicer, the Depositor, the Certificate Insurer
        or
        the Trustee, as the case may be, pursuant to Section 6.03, Section 7.02 or
        Section 8.05;

       

      (ix)  to
        reimburse the related Servicer, the Master Servicer or the Trustee, as the
        case
        may be, for expenses reasonably incurred in respect of the breach or defect
        giving rise to the repurchase obligation under Section 2.03 of this
        Agreement that were included in the Repurchase Price of the related Mortgage
        Loan, including any expenses arising out of the enforcement of the repurchase
        obligation, to the extent not otherwise paid pursuant to the terms
        hereof;

       

      (x)  to
        withdraw any amounts deposited in the related Collection Account in error
        or for
        which amounts previously deposited are returned due to a “not sufficient funds”
or other denial of payment by the related Mortgagor’s banking
        institution;

       

      (xi)  to
        withdraw any amounts held in the related Collection Account and not required
        to
        be remitted to the Trustee or the Master Servicer, as applicable, on the
        Servicer Remittance Date occurring in the month in which such amounts are
        deposited into the related Collection Account, to reimburse the related Servicer
        for unreimbursed P&I Advances;

       

      (xii)  to
        invest
        funds in Permitted Investments in accordance with Section 3.12;
        and

       

      (xiii)  to
        clear
        and terminate the related Collection Account upon termination of this
        Agreement.

       

      To
        the
        extent that the related Servicer does not timely make the remittance referred
        to
        in clause (i) above, such Servicer shall pay the Trustee or the Master
        Servicer, as applicable, for the account of the Trustee or the Master Servicer,
        as applicable, interest on any amount not timely remitted at the prime rate,
        from and including the applicable Servicer Remittance Date to but excluding
        the
        date such remittance is actually made.

       

      (b)  The
        related Servicer shall keep and maintain separate accounting, on a Mortgage
        Loan
        by Mortgage Loan basis, for the purpose of justifying any withdrawal from
        the
        related Collection Account, to the extent held by or on behalf of it, pursuant
        to subclauses (a)(ii), (iii), (v), (vi), (vii), (viii) and (ix) above. The
        related Servicer shall provide written notification to the Depositor, on
        or
        prior to the next succeeding Servicer Remittance Date, upon making any
        withdrawals from the related Collection Account pursuant to
        subclauses (a)(vi) and (viii) above.

       

      Section
        3.12  Investment
        of Funds in the Collection Account, Master Servicer Collection Account and
        the
        Distribution Account.

       

      (a)  The
        related Servicer may invest the funds in the related Collection Account,
        the
        Master Servicer may invest funds in the Master Servicer Collection Account
        during the Master Servicer Float Period and the Trustee may invest funds
        in the
        Distribution Account during the Trustee Float Period, and shall (except during
        the Trustee Float Period), invest such funds in the related Distribution
        Account
        at the direction of the Depositor (for purposes of this Section 3.12, each
        of the related Collection Account, the Master Servicer Collection Account
        and
        the Distribution Accounts are referred to as an “Investment Account”), in one or
        more Permitted Investments bearing interest or sold at a discount, and maturing,
        unless payable on demand, no later than the Business Day on which such funds
        are
        required to be withdrawn from such account pursuant to this Agreement (except
        for investments made at the Depositor’s direction, which shall mature no later
        than the Business Day immediately preceding the date of required withdrawal).
        All such Permitted Investments shall be held to maturity, unless payable
        on
        demand. Any investment of funds in an Investment Account shall be made in
        the
        name of the Trustee. The Trustee shall be entitled to sole possession (except
        with respect to investment direction of funds held in the related Collection
        Account and the Master Servicer Collection Account and any income and gain
        realized thereon in any Account other than the related Distribution Account
        during the Trustee Float Period) over each such investment, and any certificate
        or other instrument evidencing any such investment shall be delivered directly
        to the Trustee or its agent, together with any document of transfer necessary
        to
        transfer title to such investment to the Trustee. In the event amounts on
        deposit in an Investment Account are at any time invested in a Permitted
        Investment payable on demand, the Trustee may:

       

      
        	 	
                (x)

              	
                consistent
                  with any notice required to be given thereunder, demand that payment
                  thereon be made on the last day such Permitted Investment may otherwise
                  mature hereunder in an amount equal to the lesser of (1) all amounts
                  then payable thereunder and (2) the amount required to be withdrawn
                  on such date; and

              

      

       

      
        	 	
                (y)

              	
                demand
                  payment of all amounts due thereunder that such Permitted Investment
                  would
                  not constitute a Permitted Investment in respect of funds thereafter
                  on
                  deposit in the Investment Account.

              

      

       

      (b)  All
        income and gain realized from the investment of funds deposited in the related
        Collection Account held by or on behalf of the related Servicer and any of
        the
        benefits arising from such Collection Account, shall be for the benefit of
        such
        Servicer and shall be subject to its withdrawal in the manner set forth in
        Section 3.11. Any other benefit derived from the related Collection Account
        associated with the receipt, disbursement and accumulation of principal,
        interest, hazard insurance, mortgage blanket insurance, and like sources,
        shall
        accrue to the benefit of the related Servicer, except that such Servicer
        shall
        not realize any economic benefit from any forced charging of services except
        as
        permitted by applicable law. The related Servicer shall deposit in the related
        Collection Account the amount of any loss of principal incurred in respect
        of
        any such Permitted Investment made with funds in such accounts immediately
        upon
        realization of such loss.

       

      (c)  All
        income and gain realized from the investment of funds deposited in the Master
        Servicer Collection Account held by or on behalf of the Master Servicer shall
        be
        for the benefit of the Master Servicer and shall be subject to its withdrawal
        in
        the manner set forth in Section 9.12. Any other benefit derived from the
        Master Servicer Collection Account associated with the receipt, disbursement
        and
        accumulation of principal, interest, hazard insurance, mortgage blanket
        insurance, and like sources, shall accrue to the benefit of the Master Servicer,
        except that the Master Servicer shall not realize any economic benefit from
        any
        forced charging of services except as permitted by applicable law. The Master
        Servicer shall deposit in the Master Servicer Collection Account the amount
        of
        any loss of principal incurred in respect of any such Permitted Investment
        made
        with funds in such accounts immediately upon realization of such
        loss.

       

      (d)  All
        income and gain realized from the investment of funds deposited in the related
        Distribution Account held by the Trustee, shall be for the benefit of the
        Depositor (except for any income or gain realized from the investment of
        funds
        on deposit in the related Distribution Account during the Trustee Float Period,
        which shall be for the benefit of the Trustee). The Depositor shall deposit
        in
        the Distribution Account (except with respect to the Trustee Float Period,
        in
        which case the Trustee shall deposit) the amount of any loss of principal
        incurred in respect of any such Permitted Investment made with funds in such
        accounts immediately upon realization of such loss.

       

      (e)  Except
        as
        otherwise expressly provided in this Agreement, if any default occurs in
        the
        making of a payment due under any Permitted Investment, or if a default occurs
        in any other performance required under any Permitted Investment, the Trustee
        shall take such action as may be appropriate to enforce such payment or
        performance, including the institution and prosecution of appropriate
        proceedings.

       

      (f)  The
        Trustee or its Affiliates are permitted to receive additional compensation
        that
        could be deemed to be in the Trustee’s economic self-interest for
        (i) serving as investment adviser, administrator, shareholder, servicing
        agent, custodian or sub-custodian with respect to certain of the Permitted
        Investments, (ii) using Affiliates to effect transactions in certain
        Permitted Investments and (iii) effecting transactions in certain Permitted
        Investments.

       

      (g)  The
        Trustee shall not be liable for the amount of any loss incurred with respect
        of
        any investment (except that during the Trustee Float Period, it will be
        responsible for reimbursing the Trust for such loss) or lack of investment
        of
        funds held in any Investment Account or the related Distribution Account
        if made
        in accordance with this Section 3.12.

       

      Section
        3.13  Maintenance
        of Hazard Insurance, Errors and Omissions and Fidelity Coverage.
        (a)
        Each
        Servicer shall obtain and maintain a blanket policy insuring against losses
        arising from fire and hazards on all of the related Mortgage Loans, which
        policy
        shall provide coverage in an amount which is at least equal to the least
        of
        (i) the outstanding principal balance of such Mortgage Loan, (ii) the
        amount necessary to fully compensate for any damage or loss to the improvements
        that are a part of such property on a replacement cost basis, (iii) the
        maximum insurable value of the improvements which are a part of such Mortgaged
        Property, (iv) the amount necessary for compliance with the Fannie Mae
        guidelines, and (v) the amount determined by applicable federal or state
        law, in each case in an amount not less than such amount as is necessary
        to
        avoid the application of any coinsurance clause contained in the related
        hazard
        insurance policy. Any amounts to be collected by the related Servicer under
        any
        such policy (other than amounts to be applied to the restoration or repair
        of
        the property subject to the related Mortgage or amounts to be released to
        the
        Mortgagor in accordance with the procedures that the related Servicer would
        follow in servicing loans held for its own account, subject to the terms
        and
        conditions of the related Mortgage and Mortgage Note) shall be deposited
        in the
        related Collection Account, subject to withdrawal pursuant to
        Section 3.11.

       

      In
        the
        event that such policy contains a deductible clause, the related Servicer shall,
        in the event that there shall not have been maintained on the related Mortgaged
        Property or REO Property a standard hazard insurance policy and there shall
        have
        been one or more losses which would have been covered by such policy, the
        related Servicer shall deposit to the related Collection Account from its
        own
        funds the amount that is not otherwise payable under the blanket policy because
        of such deductible clause. In connection with its activities as administrator
        and servicer of the related Mortgage Loans, the related Servicer agrees to
        prepare and present, on behalf of itself, and the Trustee claims under any
        such
        blanket policy in a timely fashion in accordance with the terms of such
        policy.

       

      (b)  Each
        Servicer shall keep in force during the term of this Agreement a policy or
        policies of insurance covering errors and omissions for failure in the
        performance of such Servicer’s obligations under this Agreement, which policy or
        policies shall be in such form and amount that would meet the requirements
        of
        Fannie Mae if it were the purchaser of the Mortgage Loans, unless the related
        Servicer has obtained a waiver of such requirements from Fannie Mae. Each
        Servicer shall also maintain a fidelity bond in the form and amount that
        would
        meet the requirements of Fannie Mae, unless the related Servicer has obtained
        a
        waiver of such requirements from Fannie Mae. The related Servicer shall provide
        the Trustee, the Certificate Insurer and the Master Servicer upon request
        with
        copies of any certificates of such insurance policies and fidelity bond.
        The
        related Servicer shall be deemed to have complied with this provision if
        an
        Affiliate of such Servicer has such errors and omissions and fidelity bond
        coverage and, by the terms of such insurance policy or fidelity bond, the
        coverage afforded thereunder extends to such Servicer. Any such errors and
        omissions policy and fidelity bond shall by its terms not be cancelable without
        thirty days’ prior written notice to the Trustee, the Certificate Insurer and
        the Master Servicer, if applicable. The related Servicer shall also cause
        each
        Subservicer to maintain a policy of insurance covering errors and omissions
        and
        a fidelity bond which would meet such requirements.

       

      Section
        3.14  Enforcement
        of Due-on-Sale Clauses; Assumption Agreements.
        Each
        Servicer will, to the extent it has knowledge of any conveyance or prospective
        conveyance of any Mortgaged Property by any Mortgagor (whether by absolute
        conveyance or by contract of sale, and whether or not the Mortgagor remains
        or
        is to remain liable under the Mortgage Note and/or the Mortgage), exercise
        its
        rights to accelerate the maturity of such related Mortgage Loan under the
        “due-on-sale” clause, if any, applicable thereto; provided, however, that the
        related Servicer shall not be required to take such action if, in its sole
        business judgment, the related Servicer believes it is not in the best interests
        of the Trust Fund and shall not exercise any such rights if prohibited by
        law
        from doing so. If the related Servicer reasonably believes it is unable under
        applicable law to enforce such “due-on-sale” clause or if any of the other
        conditions set forth in the proviso to the preceding sentence apply, the
        related
        Servicer will make commercially reasonable efforts to enter into an assumption
        and modification agreement from or with the person to whom such property
        has
        been conveyed or is proposed to be conveyed, pursuant to which such person
        becomes liable under the Mortgage Note, and, to the extent permitted by
        applicable state law, the Mortgagor remains liable thereon. The related Servicer
        is also authorized to enter into a substitution of liability agreement with
        such
        person, pursuant to which the original Mortgagor is released from liability
        and
        such person is substituted as the Mortgagor and becomes liable under the
        Mortgage Note; provided, that no such substitution shall be effective unless
        such person satisfies the underwriting criteria of the related Servicer and
        such
        substitution is in the best interest of the related Certificateholders as
        determined by such Servicer. In connection with any assumption, modification
        or
        substitution, the related Servicer shall apply such underwriting standards
        and
        follow such practices and procedures as shall be normal and usual in its
        general
        mortgage servicing activities and as it applies to other mortgage loans owned
        solely by it. The related Servicer shall not take or enter into any assumption
        and modification agreement, however, unless (to the extent practicable in
        the
        circumstances) it shall have received confirmation, in writing, of the continued
        effectiveness of any applicable hazard insurance policy, or a new policy
        meeting
        the requirements of this Section is obtained. Any fee collected by the related
        Servicer in respect of an assumption, modification or substitution of liability
        agreement will be retained by such Servicer as additional servicing
        compensation. In connection with any such assumption, no material term of
        the
        Mortgage Note (including but not limited to the related Mortgage Interest
        Rate
        and the amount of the Scheduled Payment) may be amended or modified, except
        as
        otherwise required pursuant to the terms thereof or as otherwise permitted
        by
        this Agreement. The related Servicer shall notify the Trustee or the Custodian,
        as applicable, that any such substitution, modification or assumption agreement
        has been completed by forwarding to the Trustee or the Custodian, as applicable,
        the executed original of such substitution, modification or assumption
        agreement, which document shall be added to the related Mortgage File and
        shall,
        for all purposes, be considered a part of such Mortgage File to the same
        extent
        as all other documents and instruments constituting a part thereof.

       

      Notwithstanding
        the foregoing paragraph or any other provision of this Agreement, the related
        Servicer shall not be deemed to be in default, breach or any other violation
        of
        its obligations hereunder by reason of any assumption of a Mortgage Loan
        by
        operation of law or by the terms of the Mortgage Note or any assumption which
        such Servicer may be restricted by law from preventing, for any reason
        whatsoever. For purposes of this Section 3.14, the term “assumption” is
        deemed to also include a sale (of the Mortgaged Property) subject to the
        Mortgage that is not accompanied by an assumption or substitution of liability
        agreement.

       

      Section
        3.15  Realization
        upon Defaulted Mortgage Loans. (a)
        Each
        Servicer shall use its best efforts, consistent with Accepted Servicing
        Practices, to foreclose upon or otherwise comparably convert (which may include
        an acquisition of REO Property) the ownership of properties securing such
        of the related Mortgage Loans as come into and continue in default and as
        to
        which no satisfactory arrangements can be made for collection of delinquent
        payments pursuant to Section 3.07, and which are not released from this
        Agreement pursuant to any other provision hereof. The related Servicer shall
        use
        reasonable efforts to realize upon such defaulted Mortgage Loans in such
        manner
        as will maximize the receipt of principal and interest by the Trustee, taking
        into account, among other things, the timing of foreclosure proceedings.
        The
        foregoing is subject to the provisions that, in any case in which a Mortgaged
        Property shall have suffered damage from an uninsured cause, the related
        Servicer shall not be required to expend its own funds toward the restoration
        of
        such property unless it shall determine in its sole discretion (i) that
        such restoration will increase the net proceeds of liquidation of the related
        Mortgage Loan to the Trustee, after reimbursement to itself for such expenses,
        and (ii) that such expenses will be recoverable by the related Servicer
        through Insurance Proceeds, Condemnation Proceeds or Liquidation Proceeds
        from
        the related Mortgaged Property, as contemplated in Section 3.11. The
        related Servicer shall be responsible for all other costs and expenses incurred
        by it in any such proceedings; provided, however, that it shall be entitled
        to
        reimbursement thereof from the related property, as contemplated in
        Section 3.11.

       

      In
        the
        event that the related First Lien Mortgage Loan is not being serviced by
        the
        related Servicer, such Servicer shall have no liability for any losses resulting
        from a foreclosure on a related Mortgage Loan in connection with the foreclosure
        on the related First Lien Mortgage Loan where such Servicer did not receive
        notice or otherwise had no actual knowledge regarding such foreclosure on
        the
        related First Lien Mortgage Loan; provided, however, if such Servicer is
        either
        notified or has actual knowledge that any holder of a First Lien Mortgage
        Loan
        intends to accelerate the obligations secured by the First Lien Mortgage
        Loan,
        or that any such holder intends to declare a default under the mortgage or
        promissory note secured thereby, or has filed or intends to file an election
        to
        have the related Mortgaged Property sold or foreclosed, the related Servicer
        shall take, on behalf of the Trust, whatever actions are necessary to protect
        the interests of the Trust in accordance with Accepted Servicing Practices
        and
        the REMIC Provisions. It being understood that pursuant to the provisions
        of
        this Agreement neither the related Servicer nor the Trustee may be the mortgagee
        of record for which notice would otherwise be delivered by the holder of
        the
        related First Lien Mortgage Loan. The related Servicer shall not be required
        to
        make a Servicing Advance pursuant to Section 4.01 with respect thereto except
        to
        the extent that it determines in its reasonable good faith judgment that
        such
        advance would be recoverable from Liquidation Proceeds on the related Mortgage
        Loan and in no event in an amount that is greater than the then outstanding
        principal balance of the related Mortgage Loan and in no event for Mortgage
        Loans that are 180 days or more Delinquent. The related Servicer shall
        thereafter take such action as is reasonably necessary to recover any amount
        so
        advanced and to otherwise reimburse itself as a Servicing Advance from the
        related Collection Account pursuant to Section 3.11.

       

      The
        proceeds of any Liquidation Event or REO Disposition, as well as any recovery
        resulting from a partial collection of Insurance Proceeds, Condemnation Proceeds
        or Liquidation Proceeds or any income from an REO Property, will be applied
        in
        the following order of priority: first, to reimburse the related Servicer
        or any
        Subservicer for any related unreimbursed Servicing Advances, pursuant to
        Section 3.11 or 3.17 and
        any
        costs and expense incurred pursuant to this Section 3.15 and reimbursable
        pursuant to Section 3.11(a)(vii);
        second,
        to reimburse the related Servicer for any related unreimbursed P&I Advances,
        pursuant to Section 3.11; third, to accrued and unpaid interest on the
        related Mortgage Loan or REO Imputed Interest, at the Mortgage Interest Rate,
        to
        the date of the liquidation or REO Disposition, or to the Due Date prior
        to the
        Servicer Remittance Date on which such amounts are to be distributed if not
        in
        connection with a Liquidation Event or REO Disposition; and fourth, as a
        recovery of principal of the related Mortgage Loan. If the amount of the
        recovery so allocated to interest is less than a full recovery thereof, that
        amount will be allocated as follows: first, to unpaid related Servicing Fees;
        and second, as interest at the Mortgage Interest Rate (net of the related
        Servicing Fee Rate). The portion of the recovery so allocated to unpaid related
        Servicing Fees shall be reimbursed to the related Servicer or any Subservicer
        pursuant to Section 3.11 or 3.17. The portions of any recovery so allocated
        to interest at the Mortgage Interest Rate (net of the related Servicing Fee
        Rate) and to principal of the related Mortgage Loan shall be applied as follows:
        first, to reimburse the related Servicer or any Subservicer for any related
        unreimbursed Servicing Advances in accordance with Section 3.11 or 3.17 and
        any costs and expense incurred pursuant to this Section 3.15 and reimbursable
        pursuant to Section 3.11(a)(vii), and second, to the Trustee in accordance
        with
        the provisions of Section 4.02(a), subject to the last paragraph of
        Section 3.17 with respect to certain excess recoveries from an REO
        Disposition.

       

      With
        respect to any Mortgage Loan that is 180 days delinquent, the related Servicer
        shall charge off such delinquent Mortgage Loan. Once a Mortgage Loan has
        been
        charged off, the related Servicer will discontinue making P&I Advances, the
        related Servicer will not be entitled to any additional servicing compensation
        and the Charged Off Loan will give rise to a Realized Loss. Any such Charged
        Off
        Loan, if also discharged from the Trust, will become a Released Loan, will
        be
        released from the Trust Fund, will no longer be an asset of any Trust REMIC,
        and
        will be transferred to the Class X-1 Certificateholders, without recourse,
        and
        thereafter (i) the Class X-1 Certificateholder will be entitled to any amounts
        subsequently received in respect of any such Released Loans, (ii) the Class
        X-1
        Certificateholder may designate any servicer to service any such Released
        Loan
        and (iii) the Class X-1 Certificateholder may sell any such Released Loan
        to a
        third party. Once a Released Loan is charged off and discharged from the
        Trust
        pursuant to this Section 3.15(a), the related Servicer shall not be obligated
        to
        service such Released Loan and the Class X-1 Certificateholder shall be
        responsible to provide for the servicing of such Released Loan. The related
        Servicer may cease any collection efforts with respect to such Released Loan,
        and statements of account may no longer be sent to such Mortgagor. The related
        Servicer may write off each Charged Off and discharged Mortgage Loan as bad
        debt.

       

      Notwithstanding
        the foregoing, each Servicer may determine in its sole discretion not to
        discharge such Charged Off Loan after the day the Mortgage Loan becomes 180
        days
        delinquent. Reasons for such Servicer not discharging the Charged Off Loan
        include, but are not limited to: (i) foreclosure proceedings are ongoing,
        (ii)
        the Mortgagor has commenced bankruptcy proceedings, (iii) the Mortgage Loan
        is
        in the process of a Liquidation Event, (iv) the Mortgagor is in the process
        of
        negotiating a modification, (v) the Mortgagor is in bankruptcy but the Mortgagor
        is still making Mortgage payments, or (vi) such Servicer has a reasonable
        expectation that the Mortgagor will resume payments on the Mortgage
        Loan.

       

      (b)  Notwithstanding
        anything to the contrary contained herein, in connection with a foreclosure
        or
        acceptance of a deed in lieu of foreclosure, in the event an officer responsible
        for foreclosures or default management of the related Servicer has received
        actual notice of, or has actual knowledge of the presence of, hazardous or
        toxic
        substances or wastes on the related Mortgaged Property, or if the Depositor,
        the
        Master Servicer or the Trustee otherwise requests, the related Servicer shall
        cause an environmental inspection or review of such Mortgaged Property to
        be
        conducted by a qualified inspector. Upon completion of the inspection, the
        related Servicer shall promptly provide the Trustee, the Master Servicer
        and the
        Depositor, with a written report of the environmental inspection.

       

      After
        reviewing the environmental inspection report, the related Servicer shall
        determine consistent with Accepted Servicing Practices, to proceed with respect
        to the Mortgaged Property. In the event (a) the environmental inspection
        report indicates that the Mortgaged Property is contaminated by hazardous
        or
        toxic substances or wastes and (b) the related Servicer determines,
        consistent with Accepted Servicing Practices, to proceed with foreclosure
        or
        acceptance of a deed in lieu of foreclosure, such Servicer shall be reimbursed
        for all reasonable costs associated with such foreclosure or acceptance of
        a
        deed in lieu of foreclosure and any related environmental clean-up costs,
        as
        applicable, from the related Liquidation Proceeds, or if the Liquidation
        Proceeds are insufficient to fully reimburse such Servicer, such Servicer
        shall
        be entitled to be reimbursed from amounts in the related Collection Account
        pursuant to Section 3.11. In the event the related Servicer determines not
        to proceed with foreclosure or acceptance of a deed in lieu of foreclosure,
        such
        Servicer shall be reimbursed from general collections for all related Servicing
        Advances made with respect to the related Mortgaged Property from the related
        Collection Account pursuant to Section 3.11. The Trustee shall not be
        responsible for any determination made by the related Servicer pursuant to
        this
        paragraph or otherwise.

       

      Section
        3.16  Release
        of Mortgage Files. (a)
        Upon the
        payment in full of any Mortgage Loan, or the receipt by the related Servicer
        of
        a notification that payment in full shall be escrowed in a manner customary
        for
        such purposes, the related Servicer will, within five (5) Business Days of
        the
        payment in full, notify the Trustee and the Custodian and the by a certification
        (which certification shall include a statement to the effect that all amounts
        received or to be received in connection with such payment which are required
        to
        be deposited in the related Collection Account pursuant to Section 3.10
        have been or will be so deposited) of a Servicing Officer and shall request
        delivery to it of the Custodial File by completing a Request for Release
        to the
        Trustee or the Custodian, as applicable. Upon receipt of such certification
        and
        Request for Release, the Trustee or the Custodian, as applicable, shall promptly
        release the related Custodial File to the related Servicer within five (5)
        Business Days. No expenses incurred in connection with any instrument of
        satisfaction or deed of reconveyance shall be chargeable to or reimbursed
        by the
        related Collection Account.

       

      (b)  From
        time
        to time and as appropriate for the servicing or foreclosure of any Mortgage
        Loan, including, for this purpose, collection under any insurance policy
        relating to the Mortgage Loans, the Trustee or the Custodian, as applicable,
        shall, upon request of the related Servicer and delivery to the Trustee or
        the
        Custodian, as applicable, of a Request for Release, release the related
        Custodial File to the related Servicer, and the Trustee shall, at the direction
        of such Servicer, execute such documents provided to it as shall be necessary
        to
        the prosecution of any such proceedings and the related Servicer shall retain
        the Mortgage File in trust for the benefit of the Trustee. Such Request for
        Release shall obligate the related Servicer to return each and every document
        previously requested from the Custodial File to the Trustee or the Custodian,
        as
        applicable, when the need therefor by such Servicer no longer exists, unless
        the
        Mortgage Loan has been liquidated and the Liquidation Proceeds relating to
        the
        Mortgage Loan have been deposited in the related Collection Account or the
        Mortgage File or such document has been delivered to an attorney, or to a
        public
        trustee or other public official as required by law, for purposes of initiating
        or pursuing legal action or other proceedings for the foreclosure of the
        Mortgaged Property either judicially or non-judicially, and the related Servicer
        has delivered to the Trustee or the Custodian, as applicable, a certificate
        of a
        Servicing Officer certifying as to the name and address of the Person to
        which
        such Mortgage File or such document was delivered and the purpose or purposes
        of
        such delivery. Upon receipt of a certificate of a Servicing Officer stating
        that
        such Mortgage Loan was liquidated and that all amounts received or to be
        received in connection with such liquidation that are required to be deposited
        into the related Collection Account have been so deposited, or that such
        Mortgage Loan has become an REO Property, a copy of the Request for Release
        shall be released by the Trustee or the Custodian, as applicable, to the
        related
        Servicer or its designee. Upon receipt of a Request for Release under this
        Section 3.16, the Trustee or the Custodian, as applicable, shall deliver
        the related Custodial File to the requesting Servicer within five (5) Business
        Days by overnight courier (at such Servicer’s expense, which expense shall be
        reimbursable as a Servicing Advance).

       

      Upon
        written certification of a Servicing Officer, the Trustee shall execute and
        deliver to the related Servicer copies of any court pleadings, requests for
        trustee’s sale or other documents reasonably necessary to the foreclosure or
        trustee’s sale in respect of a Mortgaged Property or to any legal action brought
        to obtain judgment against any Mortgagor on the Mortgage Note or Mortgage
        or to
        obtain a deficiency judgment, or to enforce any other remedies or rights
        provided by the Mortgage Note or Mortgage or otherwise available at law or
        in
        equity, or shall execute and deliver to the related Servicer a power of attorney
        in the form of Exhibit P sufficient to authorize such Servicer to execute
        such
        documents on its behalf. Each such certification shall include a request
        that
        such pleadings or documents be executed by the Trustee and a statement as
        to the
        reason such documents or pleadings are required and that the execution and
        delivery thereof by the Trustee will not invalidate or otherwise affect the
        lien
        of the Mortgage, except for the termination of such a lien upon completion
        of
        the foreclosure or trustee’s sale.

       

      Section
        3.17  Title,
        Conservation and Disposition of REO Property.

       

      (a)  This
        Section shall apply only to REO Properties acquired for the account of the
        Trustee and shall not apply to any REO Property relating to a Mortgage Loan
        which was purchased or repurchased from the Trustee pursuant to any provision
        hereof. In the event that title to any such REO Property is acquired, the
        related Servicer shall cause the deed or certificate of sale to be issued
        in the
        name of the Trustee on behalf of the Certificateholders and the Certificate
        Insurer or the Trustee’s nominee.

       

      (b)  The
        related Servicer shall manage, conserve, protect and operate each
        REO Property for the Trustee solely for the purpose of its prompt
        disposition and sale. The related Servicer, either itself or through an agent
        selected by such Servicer, shall manage, conserve, protect and operate the
        REO
        Property in the same manner that it manages, conserves, protects and operates
        other foreclosed property for its own account, and in the same manner that
        similar property in the same locality as the REO Property is managed. The
        related Servicer shall attempt to sell the same (and may temporarily rent
        the
        same for a period not greater than one year, except as otherwise provided
        below)
        on such terms and conditions as such Servicer deems to be in the best interest
        of the Trustee and the Certificate Insurer.

       

      (c)  As
        described in paragraph (h) below, each Servicer shall use Accepted Servicing
        Practices to dispose of the REO Property as soon as possible and shall sell
        such
        REO Property in any event within three years after title has been taken to
        such
        REO Property, unless the Servicer determines, and gives an appropriate
        notice to the Trustee and the Certificate Insurer to such effect, that a
        longer
        period is necessary for the orderly liquidation of such REO Property. The
        Trustee has no obligation with respect to REO Dispositions.

       

      (d)  The
        related Servicer shall segregate and hold all funds collected and received
        in
        connection with the operation of any REO Property separate and apart from
        its
        own funds and general assets and shall deposit such funds in the related
        Collection Account.

       

      (e)  The
        related Servicer shall deposit net of reimbursement to such Servicer for
        any
        related outstanding Servicing Advances and unpaid Servicing Fees as provided
        in
        Section 3.11, or cause to be deposited, on a daily basis in the related
        Collection Account all revenues received with respect to the related REO
        Property and shall withdraw therefrom funds necessary for the proper operation,
        management and maintenance of the REO Property.

       

      (f)  The
        related Servicer, upon an REO Disposition, shall be entitled to reimbursement
        for any related unreimbursed Servicing Advances as well as any unpaid related
        Servicing Fees from proceeds received in connection with the REO Disposition,
        as
        further provided in Section 3.11.

       

      (g)  Any
        net
        proceeds from an REO Disposition which are in excess of the unpaid principal
        balance of the related Mortgage Loan plus all unpaid REO Imputed Interest
        thereon through the date of the REO Disposition shall be retained by the
        related
        Servicer as additional servicing compensation.

       

      (h)  The
        related Servicer shall use Accepted Servicing Practices to sell, or cause
        the
        Subservicer to sell, in accordance with Accepted Servicing Practices, any
        REO
        Property as soon as possible, but in no event later than the conclusion of
        the
        third calendar year beginning after the year of its acquisition by the related
        REMIC unless (i) the related Servicer applies for an extension of such
        period from the Internal Revenue Service pursuant to the REMIC Provisions
        and
        Code Section 856(e)(3), in which event such REO Property shall be sold
        within the applicable extension period pursuant to the requirements of Section
        3.17(c), or (ii) the related Servicer obtains for the Trustee, the
        Certificate Insurer and the Master Servicer an Opinion of Counsel, addressed
        to
        the Depositor, the Trustee, the Certificate Insurer, the Master Servicer
        and
        such Servicer, to the effect that the holding by REMIC I of such REO Property
        subsequent to such period will not result in the imposition of taxes on
“prohibited transactions” as defined in Section 860F of the Code or cause
        any Trust REMIC to fail to qualify as a REMIC under the REMIC Provisions
        or
        comparable provisions of relevant state laws at any time. The related Servicer
        shall manage, conserve, protect and operate each REO Property serviced by
        such
        Servicer for the Trustee solely for the purpose of its prompt disposition
        and
        sale in a manner which does not cause such REO Property to fail to qualify
        as
“foreclosure property” within the meaning of Section 860G(a)(8) or result
        in the receipt by REMIC I of any “income from non-permitted assets” within the
        meaning of Section 860F(a)(2)(B) of the Code or any “net income from
        foreclosure property” which is subject to taxation under Section 860G(a)(1)
        of the Code. Pursuant to its efforts to sell such REO Property, the related
        Servicer shall either itself or through an agent selected by such Servicer
        protect and conserve such REO Property in the same manner and to such
        extent as is customary in the locality where such REO Property is located
        and may, incident to its conservation and protection of the interests of
        the
        Trustee on behalf of the Certificateholders and the Certificate Insurer,
        rent
        the same, or any part thereof, as the related Servicer deems to be in the
        best
        interest of the Trustee on behalf of the Certificateholders and the Certificate
        Insurer for the period prior to the sale of such REO Property; provided,
        however, that any rent received or accrued with respect to such REO Property
        qualifies as “rents from real property” as defined in Section 856(d) of the
        Code.

       

      Section
        3.18  [Reserved].

       

      Section
        3.19  Access
        to Certain Documentation and Information Regarding the Mortgage
        Loans.
        The
        related Servicer shall provide, or cause the applicable Subservicer to provide,
        to the Depositor, the Trustee, the Certificate Insurer, the Master Servicer,
        the
        OTS or the FDIC and the examiners and supervisory agents thereof, access
        to the
        documentation regarding the related Mortgage Loans in its possession required
        by
        applicable regulations of the OTS. Such access shall be afforded without
        charge,
        but only upon 15 days’ (or, if an Event of Default has occurred and is
        continuing, 3 Business Days’) prior written request and during normal business
        hours at the offices of the related Servicer. Nothing in this Section shall
        derogate from the obligation of any such party to observe any applicable
        law
        prohibiting disclosure of information regarding the Mortgagors and the failure
        of any such party to provide access as provided in this Section as a result
        of such obligation shall not constitute a breach of this Section.

       

      Nothing
        in this Section 3.19 shall require the related Servicer or Subservicer to
        collect, create, collate or otherwise generate any information that it does
        not
        generate in its usual course of business. The related Servicer shall not
        be
        required to make copies of or to ship documents to any Person who is not
        a party
        to this Agreement, and then only if provisions have been made for the
        reimbursement of the costs thereof. In addition, subject to limitations of
        applicable privacy laws, the related Servicer or Subservicer may make public
        information regarding the performance of the related Mortgage
        Loans.

       

      Section
        3.20  Documents,
        Records and Funds in Possession of the Servicers to Be Held for the
        Trustee.
        Each
        Servicer shall account fully to the Trustee for any funds received by such
        Servicer or which otherwise are collected by such Servicer as Liquidation
        Proceeds, Condemnation Proceeds or Insurance Proceeds in respect of any related
        Mortgage Loan. All Mortgage Files and funds collected or held by, or under
        the
        control of, the related Servicer in respect of any related Mortgage Loans,
        whether from the collection of principal and interest payments or from
        Liquidation Proceeds, including, but not limited to, any funds on deposit
        in the
        related Collection Account, shall be held by such Servicer for and on behalf
        of
        the Trustee and shall be and remain the sole and exclusive property of the
        Trustee, subject to the applicable provisions of this Agreement. The related
        Servicer also agrees that it shall not create, incur or subject any Mortgage
        File or any funds that are deposited in the related Collection Account, the
        Distribution Account or any funds that otherwise are or may become due or
        payable to the Trustee for the benefit of the Certificateholders and the
        Certificate Insurer, to any claim, lien, security interest, judgment, levy,
        writ
        of attachment or other encumbrance, or assert by legal action or otherwise
        any
        claim or right of setoff against any Mortgage File or any funds collected
        on, or
        in connection with, a related Mortgage Loan, except, however, that the related
        Servicer shall be entitled to set off against and deduct from, and to pledge
        and
        assign its rights to payment from, any such funds any amounts that are properly
        due and payable to such Servicer under this Agreement.

       

      Section
        3.21  Servicing
        Compensation.

       

      (a)  As
        compensation for its activities hereunder, each Servicer shall, with respect
        to
        each Mortgage Loan, be entitled to retain from deposits to the related
        Collection Account and from Liquidation Proceeds, Insurance Proceeds, and
        Condemnation Proceeds related to such Mortgage Loan, the related Servicing
        Fee
        with respect to each related Mortgage Loan (less any portion of such amounts
        retained by any Subservicer). In addition, each Servicer shall be entitled
        to
        recover unpaid related Servicing Fees out of related Late Collections and
        as
        otherwise permitted in Section 3.11. The right to receive the related
        Servicing Fee may not be transferred in whole or in part except as provided
        in
        Section 6.04 or in connection with the transfer of all of the related Servicer’s
        responsibilities and obligations under this Agreement; provided, however,
        that
        the related Servicer may pay from the related Servicing Fee any amounts due
        to a
        Subservicer pursuant to a Subservicing Agreement entered into under
        Section 3.02.

       

      (b)  Additional
        servicing compensation in the form of assumption or modification fees, late
        payment charges, NSF fees, reconveyance fees and other similar fees, charges
        (other than Prepayment Premiums) and net proceeds from an REO Disposition
        as
        provided in Section 3.17(g) shall be retained by the related Servicer only
        to
        the extent such fees, charges or net proceeds are received by such Servicer.
        Each Servicer shall also be entitled pursuant to Section 3.11(a)(iv) to
        withdraw from the related Collection Account, as additional servicing
        compensation, interest or other income earned on deposits therein and also
        shall
        be entitled to any other benefits arising from such account.

       

      (c)  Except
        as
        otherwise provided in this Agreement, each Servicer shall be required to
        pay all
        expenses incurred by it in connection with its servicing activities hereunder
        (including payment of premiums for any blanket policy insuring against hazard
        losses pursuant to Section 3.13, servicing compensation of the Subservicer
        to the extent not retained by it and the fees and expenses of independent
        accountants and any agents appointed by the related Servicer), and shall
        not be
        entitled to reimbursement therefor except as specifically provided in
        Section 3.11.

       

      (d)  Without
        limiting the generality of the foregoing, the Servicers shall not be entitled
        to
        receive the Servicing Fee on any Mortgage Loans that became Charged Off Mortgage
        Loans that are not discharged from the Trust for the period following the
        date
        of such charge off, provided,
        however,
        that
        the Servicing Fee shall accrue on such Mortgage Loans during such period,
        and
        the Servicing Fee shall be paid to the related Servicer if amounts due on
        such
        Mortgage Loan are collected.

       

      Section
        3.22  Annual
        Statement as to Compliance.
        Each
        Servicer and the Master Servicer shall deliver or cause to be delivered to
        the
        Depositor, the Certificate Insurer and the Trustee, on or before March 15
        of
        each calendar year beginning in 2008, an Officers’ Certificate (an “Annual
        Statement of Compliance”) stating, as to each signatory thereof, that (i) a
        review of the activities of the related Servicer during the preceding calendar
        year and of its performance under this Agreement has been made under such
        officers’ supervision and (ii) to the best of such officers’ knowledge, based on
        such review, such Servicer has fulfilled all of its obligations under this
        Agreement in all material respects throughout such year, or, if there has
        been a
        failure to fulfill any such obligation in any material respect, specifying
        each
        such failure known to such officer and the nature and status thereof. The
        obligations of the Servicers under this Section apply to each Servicer that
        serviced a Mortgage Loan during the applicable period, whether or not such
        Servicer is acting as a servicer at the time such Officer’s Certificate is
        required to be delivered. Each Servicer shall deliver a similar Annual Statement
        of Compliance by any Subservicer to which such Servicer has delegated any
        servicing responsibilities with respect to the related Mortgage Loans (unless
        a
        Form 15 Suspension Notice shall have been filed with respect to the Trust
        Fund
        and so long as the Trust Fund is subject to the Exchange Act reporting
        requirements), to the Depositor, the Certificate Insurer and the Trustee
        as
        described above as and when required with respect to such Servicer.

       

      Section
        3.23  Assessments
        of Compliance and Attestation Reports.
        Pursuant to Rules 13a-18 and 15d-18 of the Exchange Act and Item 1122 of
        Regulation AB, each Servicer and the Master Servicer shall each deliver to
        the
        Depositor, the Trustee and the Certificate Insurer on or before March 15
        of each
        calendar year beginning in 2008, a report regarding such party’s assessment of
        compliance (an “Assessment of Compliance”) with the Servicing Criteria during
        the preceding calendar year. As set forth in Regulation AB, the Assessment
        of
        Compliance must contain the following:

       

      (a)  A
        statement by the party making the assessment of its responsibility for assessing
        compliance with the Servicing Criteria applicable to it;

       

      (b)  A
        statement by the party making the assessment that it used the Servicing Criteria
        attached as Exhibit R hereto, and which will also be attached to the Assessment
        of Compliance, to assess compliance with the Servicing Criteria applicable
        to
        it;

       

      (c)  An
        assessment by such officer of the party making the assessment’s compliance with
        the applicable Servicing Criteria for the period consisting of the preceding
        calendar year, including disclosure of any material instance of noncompliance
        with respect thereto during such period, which assessment shall be based
        on the
        activities it performs with respect to asset-backed securities transactions
        taken as a whole involving the party, that are backed by the same asset type
        as
        the related Mortgage Loans;

       

      (d)  A
        statement that a registered public accounting firm has issued an attestation
        report on the party making the assessment’s Assessment of Compliance for the
        period consisting of the preceding calendar year; and

       

      (e)  A
        statement as to which of the Servicing Criteria, if any, are not applicable
        to
        the party making the assessment, which statement shall be based on the
        activities it performs with respect to asset-backed securities transactions
        taken as a whole involving the party, that are backed by the same asset type
        as
        the related Mortgage Loans.

       

      Such
        report at a minimum shall address each of the Servicing Criteria specified
        on
        Exhibit R hereto which are indicated as applicable to the party.

       

      On
        or
        before March 15 of each calendar year beginning in 2008, the party making
        the
        assessment shall furnish to the Depositor, the Certificate Insurer and the
        Trustee a report (an “Attestation Report”) by a registered public accounting
        firm that attests to, and reports on, the Assessment of Compliance made by
        the
        party making the assessment, as required by Rules 13a-18 and 15d-18 of the
        Exchange Act and Item 1122(b) of Regulation AB, which Attestation Report
        must be
        made in accordance with standards for attestation reports issued or adopted
        by
        the Public Company Accounting Oversight Board. 

       

      Unless
        a
        Form 15 Suspension Notice shall have been filed with respect to the Trust
        Fund
        and for so long as the Trust Fund is subject to the Exchange Act reporting
        requirements, each Servicer shall cause any Subservicer to which such Servicer
        delegated any of its responsibilities with respect to the related Mortgage
        Loans
        determined by such Servicer to be “participating in the servicing function”
within the meaning of Item 1122 of Regulation AB, to deliver to the Trustee,
        the
        Certificate Insurer and the Depositor an Assessment of Compliance and
        Attestation Report as and when provided above.

       

      Such
        Assessment of Compliance, as to any Subservicer to which a Servicer delegated
        any of its responsibilities with respect to the related Mortgage Loans, shall
        at
        a minimum address each of the Servicing Criteria specified on Exhibit R hereto
        which are indicated as applicable to any “primary servicer” to the extent they
        are applicable to such Subservicer. Notwithstanding the foregoing, as to
        any
        subcontractor, an Assessment of Compliance is not required to be delivered
        unless it is required as part of a Form 10-K with respect to the Trust
        Fund.

       

      The
        Trustee (in its capacity as custodian) and the Custodian shall also provide
        to
        the Depositor an Assessment of Compliance and Attestation Report with respect
        to
        itself, as and when provided above by March 15 each year, unless a Form 15
        Suspension Notice shall have been filed with respect to the Trust Fund, which
        shall at a minimum address each of the Servicing Criteria specified on Exhibit
        R
        hereto which are indicated as applicable to the “trustee”.

       

      Section
        3.24  [Reserved.]

       

      Section
        3.25  Compensating
        Interest.
        Each
        Servicer shall remit to the Master Servicer, on each Servicer Remittance
        Date,
        and the Master Servicer shall remit to the Trustee on each Master Servicer
        Remittance Date, an amount from its own funds equal to Compensating Interest
        with respect to the related Mortgage Loans payable by such Servicer or the
        Master Servicer, as applicable, for such Servicer Remittance Date or the
        Master
        Servicer Remittance Date, as applicable.

       

      Section
        3.26  Credit
        Reporting; Gramm-Leach-Bliley Act. (a)
        With
        respect to each related Mortgage Loan, each Servicer shall fully furnish,
        in
        accordance with the Fair Credit Reporting Act and its implementing regulations,
        accurate and complete information (e.g., favorable and unfavorable) on the
        related Mortgagor credit files to Equifax, Experian and TransUnion Credit
        Information Company (three of the national credit repositories), on a monthly
        basis.

       

      (b)  Each
        Servicer shall comply with all provisions of the Privacy Laws relating to
        the
        related Mortgage Loans, the related borrowers and any “nonpublic personal
        information” (as defined in the Privacy Laws) received by the related Servicer
        incidental to the performance of its obligations under this Agreement,
        including, maintaining adequate information security procedures to protect
        such
        nonpublic personal information and providing all privacy notices required
        by the
        Privacy Laws.

       

      Section
        3.27  Excess
        Reserve Fund Accounts; Distribution Accounts. (a)
        The
        Trustee shall establish and maintain the Excess Reserve Fund Account on behalf
        of the Class X Certificateholders to receive any related Basis Risk Payment
        and
        to pay to the related Certificateholders any Basis Risk Carry Forward
        Amounts.

       

      On
        each
        Distribution Date on which there exists a Basis Risk Carry Forward Amount
        on any
        Class of related Certificates after, if applicable, application of any
        payments from the Supplemental Interest Trust, the Trustee shall
        (1) withdraw from the related Distribution Account and deposit in the
        Excess Reserve Fund Account, as set forth in Section 4.02(a)(iii), the
        lesser of the Class X Distributable Amount, and the aggregate related Basis
        Risk
        Carry Forward Amount and (2) withdraw from the Excess Reserve Fund Account
        amounts necessary to pay to such Class or Classes of Certificates the applicable
        Basis Risk Carry Forward Amounts. Such payments shall be allocated to those
        Classes based upon the amount of Basis Risk Carry Forward Amount owed to
        each
        such Class and shall be paid in the priority set forth in Sections
        4.02(a)(iii)(B).

       

      The
        Trustee shall account for the Excess Reserve Fund Account as an outside reserve
        fund within the meaning of Treasury Regulations Section 1.860G-2(h) and not
        as an asset of any Trust REMIC created pursuant to this Agreement. The
        beneficial owners of the Excess Reserve Fund Account are the Class X
        Certificateholders. For all federal income tax purposes, amounts transferred
        by
        REMIC IV to the Excess Reserve Fund Account shall be treated as first
        distributed by the Trustee to the Class X Certificateholders and then
        contributed by the Class X Certificateholders to the Excess Reserve Fund
        Account.

       

      Any
        Basis
        Risk Carry Forward Amounts (that are not paid out of Net Swap Receipts, if
        applicable) paid by the Trustee to the Certificateholders shall be accounted
        for
        by the Trustee as amounts paid first to the Holders of the Class X Certificates
        and then to the respective Class or Classes of Certificates. In addition,
        the
        Trustee shall account for the rights of Holders of each Class of Certificates
        to
        receive payments of Basis Risk Carry Forward Amounts as rights in a separate
        limited recourse interest rate cap contract written by the Class X
        Certificateholders in favor of Holders of each such Class.

       

      Notwithstanding
        any provision contained in this Agreement, the Trustee shall not be required
        to
        make any payments from the Excess Reserve Fund Account except as expressly
        set
        forth in this Section 3.27(a).

       

      (b)  The
        Trustee shall establish and maintain the Distribution Account on behalf of
        the
        Certificateholders and the Certificate Insurer. The Trustee shall, promptly
        upon
        receipt on the Business Day received, deposit in the Distribution Account
        and
        retain therein the following:

       

      (i)  the
        aggregate amount remitted by the Master Servicer to the Trustee pursuant
        to
        Section 3.11;

       

      (ii)  any
        amount deposited by the Master Servicer pursuant to Section 3.12(b) in
        connection with any losses on Permitted Investments; and

       

      (iii)  any
        other
        amounts deposited hereunder which are required to be deposited in the
        Distribution Account.

       

      In
        the
        event that the Master Servicer shall remit any amount not required to be
        remitted, the Master Servicer may at any time direct the Trustee in writing
        to
        withdraw such amount from the Distribution Account, any provision herein
        to the
        contrary notwithstanding. Such direction may be accomplished by delivering
        notice to the Trustee which describes the amounts deposited in error in the
        Distribution Account. All funds deposited in the Distribution Account shall
        be
        held by the Trustee in trust for the Certificateholders and the Certificate
        Insurer until disbursed in accordance with this Agreement or withdrawn in
        accordance with Section 4.02(a).

       

      (c)  In
        order
        to comply with laws, rules and regulations applicable to banking institutions,
        including those relating to the funding of terrorist activities and money
        laundering, the Trustee is required to obtain, verify and record certain
        information relating to individuals and entities which maintain a business
        relationship with the Trustee. Accordingly, each of the parties agrees to
        provide to the Trustee upon its request from time to time such party’s complete
        name, address, tax identification number and such other identifying information,
        together with copies of such party’s constituting documentation, securities
        disclosure documentation and such other identifying documentation as may
        be
        available for such party.

       

      Section
        3.28  Optional
        Purchase of Delinquent Mortgage Loans.
        The
        Depositor (or its assignee), in its sole discretion, shall have the option,
        but
        shall not be obligated, to purchase any 90+ Delinquent Mortgage Loan from
        the
        Trust Fund. The purchase price for any such Mortgage Loan shall be 100% of
        the
        unpaid principal balance of such Mortgage Loan plus accrued and unpaid interest
        on the related Mortgage Loan at the applicable Mortgage Interest Rate, plus
        the
        amount of any unreimbursed Servicing Advances made by the related Servicer.
        Upon
        receipt of such purchase price, the related Servicer shall provide to the
        Trustee a Request for Release and the Trustee shall promptly release to the
        Depositor the Mortgage File relating to the Mortgage Loan being
        repurchased.

       

      Section
        3.29  Master
        Servicer to Act as Servicer. (a)
        In the
        event that a Servicer shall for any reason no longer be a Servicer hereunder
        (including by reason of an Event of Default), the Master Servicer or its
        successor shall thereupon assume all of the rights and obligations of such
        Servicer hereunder arising thereafter (except that the Master Servicer shall
        not
        be (i) liable for losses of the predecessor Servicer pursuant to
        Section 3.10 or any acts or omissions of the predecessor Servicer
        hereunder, (ii) obligated to make Advances if it is prohibited from doing
        so by applicable law, (iii) obligated to effectuate repurchases or
        substitutions of Mortgage Loans hereunder, including but not limited to
        repurchases or substitutions pursuant to Section 2.03,
        (iv) responsible for expenses of such Servicer pursuant to
        Section 2.03 or (v) deemed to have made any representations and
        warranties of such Servicer hereunder). Any such assumption shall be subject
        to
        Section 7.02.

       

      (b)  Every
        Subservicing Agreement entered into by a Servicer shall contain a provision
        giving the successor Servicer the option to terminate such agreement in the
        event a successor Servicer is appointed.

       

      (c)  If
        the
        applicable Servicer shall for any reason no longer be a Servicer (including
        by
        reason of any Event of Default), the Master Servicer (or any other successor
        Servicer) may, at its option, succeed to any rights and obligations of such
        Servicer under any Subservicing Agreement in accordance with the terms thereof;
        provided, that the Master Servicer (or any other successor Servicer) shall
        not
        incur any liability or have any obligations in its capacity as successor
        Servicer under a Subservicing Agreement arising prior to the date of such
        succession unless it expressly elects to succeed to the rights and obligations
        of the applicable Servicer thereunder; and such Servicer shall not thereby
        be
        relieved of any liability or obligations under the Subservicing Agreement
        arising prior to the date of such succession.

       

      (d)  The
        applicable Servicer shall, upon request of the Master Servicer, deliver to
        the
        assuming party all documents and records relating to each Subservicing Agreement
        (if any) to which it is a party and the Mortgage Loans then being serviced
        thereunder and an accounting of amounts collected and held by it and otherwise
        use its best efforts to effect the orderly and efficient transfer of the
        Subservicing Agreement to the assuming party.

       

      Section
        3.30  Transfer
        of Servicing for Certain Mortgage Loans.

       

      Prior
        to
        the Servicing Transfer Date, Ocwen shall have complied with each of the
        servicing transfer requirements in accordance with customary industry
        procedures.

       

      Section
        3.31 High
        Cost Mortgage Loans.

       

      In
        the
        event that during the normal course of its servicing activities the related
        Servicer reasonably determines that a Mortgage Loan may be a High Cost Mortgage
        Loan, such Servicer shall promptly notify the Depositor, the Certificate
        Insurer
        and the Trustee (provided, however, that any failure to provide such
        notification shall not constitute a breach under this Agreement), and if
        the
        related Servicer so notifies such parties, the Servicer may cease its initiation
        of collection efforts thereon, and such determination shall be deemed to
        materially and adversely affect the interests of the Certificateholders or
        the
        Certificate Insurer in such Mortgage Loan and the Responsible Party or the
        Purchaser, as applicable, will repurchase the related Mortgage Loan within
        a
        period and in the manner prescribed in the related Responsible Party Agreement
        or the Representation and Warranties Agreement.

       

       

       

      ARTICLE
        IV

       

      DISTRIBUTIONS
        AND

      ADVANCES
        BY THE ServicerS

       

      Section
        4.01  Advances.
        (a)
        The
        amount of P&I Advances to be made by the related Servicer for any Servicer
        Remittance Date shall equal, subject to Section 4.01(d), the sum of
        (i) the aggregate amount of Scheduled Payments (with each interest portion
        thereof net of the related Servicing Fee), due during the Due Period immediately
        preceding such Servicer Remittance Date in respect of the related Mortgage
        Loans, which Scheduled Payments were not received as of the close of business
        on
        the related Determination Date, (ii) with respect to each Mortgage Loan that
        required a balloon payment on its final Due Date, a payment equal to the
        assumed
        monthly payment that would have been due on the related Due Date based upon
        the
        original principal amortization schedule for such balloon mortgage loan,
        and
        (iii) with respect to each REO Property, which REO Property was acquired
        during or prior to the related Prepayment Period and as to which such REO
        Property an REO Disposition did not occur during the related Prepayment Period,
        an amount equal to the excess, if any, of the Scheduled Payments (with REO
        Imputed Interest) that would have been due on the related Due Date in respect
        of
        the related Mortgage Loan, over the net income from such REO Property
        transferred to the related Collection Account for distribution on such Servicer
        Remittance Date; provided however that no P&I Advance shall be required to
        be made (a) for any Mortgage Loan 180 days or more Delinquent, (b) with respect
        to Relief Act Interest Shortfalls or (c) resulting from bankruptcy proceedings
        of the Mortgagor.

       

      (b)  On
        each
        Servicer Remittance Date, the related Servicer shall remit in immediately
        available funds to the Master Servicer an amount equal to the aggregate amount
        of P&I Advances, if any, to be made in respect of the related Mortgage Loans
        and REO Properties for the related Servicer Remittance Date either (i) from
        its own funds or (ii) from the related Collection Account, to the extent of
        funds held therein for future distribution (in which case, it will cause
        to be
        made an appropriate entry in the records of the related Collection Account
        that
        amounts held for future distribution have been, as permitted by this
        Section 4.01, used by the related Servicer in discharge of any such P&I
        Advance) or (iii) in the form of any combination of (i) and (ii)
        aggregating the total amount of P&I Advances to be made by the related
        Servicer with respect to the related Mortgage Loans and REO Properties. Any
        amounts held for future distribution and so used shall be appropriately
        reflected in the related Servicer’s records and replaced by such Servicer by
        deposit in the related Collection Account on or before any future Servicer
        Remittance Date to the extent required.

       

      (c)  The
        obligation of each Servicer to make such P&I Advances is mandatory,
        notwithstanding any other provision of this Agreement but subject to (d)
        below,
        and, with respect to any related Mortgage Loan or REO Property, shall continue
        through the time at which the related Mortgage Loan becomes 180 days
        delinquent.

       

      (d)  Notwithstanding
        anything herein to the contrary, no P&I Advance or Servicing Advance shall
        be required to be made hereunder by the related Servicer if such P&I Advance
        or Servicing Advance would, if made, constitute a Nonrecoverable P&I Advance
        or Nonrecoverable Servicing Advance. The determination by the related Servicer
        that it has made a Nonrecoverable P&I Advance or a Nonrecoverable Servicing
        Advance or that any proposed P&I Advance or Servicing Advance, if made,
        would constitute a Nonrecoverable P&I Advance or a Nonrecoverable Servicing
        Advance, respectively, shall be evidenced by an Officer’s Certificate of the
        related Servicer delivered to the Master Servicer. In addition the related
        Servicer shall not be required to make any P&I Advances resulting from
        bankruptcy proceedings of the Mortgagor or to advance any Relief Act Interest
        Shortfalls.

       

      (e)  Except
        as
        otherwise provided herein, the related Servicer shall be entitled to
        reimbursement pursuant to Section 3.11 for Advances from recoveries from
        the related Mortgagor or from all Liquidation Proceeds and other payments
        or
        recoveries (including Insurance Proceeds and Condemnation Proceeds) with
        respect
        to the related Mortgage Loan.

       

      Section
        4.02  Priorities
        of Distribution.
        (a)
        On each
        Distribution Date, the Trustee shall make the disbursements and transfers
        from
        amounts then on deposit in the Distribution Account in the following order
        of
        priority and to the extent of the Available Funds remaining:

       

       

      (i)  to
        the
        Certificate Insurer, the Supplemental Interest Trust Account and to the Holders
        of each Class of Offered Certificates in the following order of
        priority:

       

      (A)  to
        the
        Certificate Insurer, the related Premium for that Distribution
        Date;

       

       

      (B)  to
        the
        Supplemental Interest Trust Account, the sum of (x) all Net Swap Payments
        and
        (y) any Swap Termination Payment owed to the Swap Provider other than a
        Defaulted Swap Termination Payment owed to the Swap Provider, if
        any;

       

      (C)  from
        the
        Interest Remittance Amount, to the Class A-1 Certificates and Class A-IO
        Certificates, on a pro
        rata
        basis
        based on their respective entitlements, the Accrued Certificate Interest
        Distribution Amount for such Classes and Unpaid Interest Amount for such
        Classes
        and such Distribution Date; and

       

      (D)  from
        the
        Interest Remittance Amount, to the Certificate Insurer, any amounts owed
        to the
        Certificate Insurer under the Insurance Agreement;

       

      (ii)  (A)on
        each
        Distribution Date (a) before the Stepdown Date or (b) with respect to
        which a Trigger Event is in effect, to the Holders of the Class A-1 Certificates
        and the Certificate Insurer, from Available Funds remaining after making
        distributions pursuant to clause (i) above, an amount equal to the Principal
        Distribution Amount in the following order of priority:

       

      (a)  to
        the
        Class A-1 Certificates, until their Class Certificate Balance is reduced
        to
        zero;

       

      (b)  to
        the
        Certificate Insurer for prior draws (including applicable interest) on the
        Policy, to the extent not covered by the Interest Remittance Amount;
        and

       

      (c)  to
        the
        Certificate Insurer, any amounts owed to the Certificate Insurer under the
        Insurance Agreement;

       

      (B)  on
        each
        Distribution Date (a) on and after the Stepdown Date and (b) as long as a
        Trigger Event is not in effect, to the Holders of Class A-1 Certificates
        and the
        Certificate Insurer, from Available Funds remaining after making distributions
        pursuant to clause (i) above, an amount equal to the Principal Distribution
        Amount in the following amounts and order of priority:

       

      (a)  to
        the
        Class A-1 Certificates, the lesser of (x) the Principal Distribution Amount
        and
        (y) the Class A-1 Principal Distribution Amount, until the Class Certificate
        Balance thereof is reduced to zero;

       

      (b)  to
        the
        Certificate Insurer for prior draws (including applicable interest) on the
        Policy, to the extent not covered by the Interest Remittance Amount;
        and

       

      (c)  to
        the
        Certificate Insurer, any amounts owed to the Certificate Insurer under the
        Insurance Agreement;

       

      (iii)  any
        amount remaining after the distributions in clauses (i) and (ii) above, plus
        as
        specifically indicated below, from amounts on deposit in the Excess Reserve
        Fund
        Account, shall be distributed in the following order of priority:

       

      (A)  to
        the
        Excess Reserve Fund Account, the amount of any related Basis Risk Payment
        for
        such Distribution Date, to the extent not covered, in the case of the LIBOR
        Certificates, by amounts available in the Supplemental Interest
        Trust;

       

      (B)  from
        funds on deposit in the Excess Reserve Fund Account with respect to such
        Distribution Date, an amount equal to any Basis Risk Carry Forward Amount
        with
        respect to the Offered Certificates for such Distribution Date to such Classes
        in the same order and priority as set forth in Section 4.02(a)(i), with the
        allocation to the Class A-1 Certificates and Class A-IO Certificates being
        pro
        rata
        based on
        their respective Basis Risk Carry Forward Amounts, in each case to the extent
        not covered by the funds available for Basis Risk Carry Forward Amounts in
        the
        Supplemental Interest Trust;

       

      (C)  to
        the
        Supplemental Interest Trust Account, the amount of any Defaulted Swap
        Termination Payment to the Swap Provider;

       

      (D)  to
        the
        Holders of the Class X Certificates, the remainder of the Class X Distributable
        Amount not distributed pursuant to Section 4.02(a)(iii)(A)-(C); and

       

      (E)  to
        the
        Holders of the Class R Certificates, any remaining amount.

       

      If
        on any
        Distribution Date, as a result of the foregoing allocation rules and allocation
        of payments from the Supplemental Interest Trust to pay principal as described
        in Section 4.08, the Class A-1 Certificates do not receive the related Accrued
        Certificate Interest Distribution Amounts or the related Unpaid Interest
        Amounts, if any, then that unpaid amount will be recoverable by the Holders
        of
        that Class, with interest thereon, on future Distribution Dates, as Unpaid
        Interest Amounts, subject to the priorities described above. In the event
        the
        Class Certificate Balance of any Class of Certificates has been reduced to
        zero,
        that Class of Certificates shall no longer be entitled to receive any related
        unpaid Basis Risk Carry Forward Amounts.

       

      (b)  On
        each
        Distribution Date, all amounts representing Prepayment Premiums from the
        related
        Mortgage Loans received during the related Prepayment Period shall be
        distributed by the Trustee to the Holders of the Class P
        Certificates.

       

      (c)  On
        any
        Distribution Date, any Relief Act Interest Shortfalls and Net Prepayment
        Interest Shortfalls for such Distribution Date will be allocated pro rata,
        as a
        reduction of the related Accrued Certificate Interest Distribution Amounts
        for
        the Offered Certificates based on the amount of interest to which such Classes
        would otherwise be entitled on such Distribution Date.

       

      Section
        4.03  [Reserved]. 

       

      Section
        4.04  Monthly
        Statements.
        (a)
        Not
        later than each Distribution Date, the Trustee shall make available to each
        Certificateholder, the Servicers, the Depositor, the Master Servicer, the
        Certificate Insurer and each Rating Agency a statement setting forth with
        respect to the related distribution:

       

      (i)  the
        amount of Available Funds allocable to principal, separately identifying
        the
        aggregate amount of any Principal Prepayments and Liquidation Proceeds included
        therein;

       

      (ii)  the
        amount of Available Funds allocable to interest, any Unpaid Interest Amounts
        included in such distribution and any remaining Unpaid Interest Amounts after
        giving effect to such distribution, any Basis Risk Carry Forward Amount for
        such
        Distribution Date and the amount of all Basis Risk Carry Forward Amount covered
        by withdrawals from the Excess Reserve Fund Account on such Distribution
        Date;

       

      (iii)  if
        the
        distribution to the Holders of such Class of Certificates is less than the
        full
        amount that would be distributable to such Holders if there were sufficient
        funds available therefor, the amount of the shortfall and the allocation
        of the
        shortfall as between principal and interest, including any Basis Risk Carry
        Forward Amount not covered by amounts in the Excess Reserve Fund
        Account;

       

      (iv)  the
        Class
        Certificate Balance of each Class of Certificates after giving effect to
        the
        distribution of principal on such Distribution Date;

       

      (v)  the
        Pool
        Stated Principal Balance with respect to the related Mortgage Loans for the
        following Distribution Date;

       

      (vi)  the
        amount of expenses and fees paid to or retained by the related Servicer and
        the
        Master Servicer or paid to or retained by the Trustee with respect to such
        Distribution Date;

       

      (vii)  the
        Pass-Through Rate for each such Class of Certificates with respect to such
        Distribution Date;

       

      (viii)  the
        amount of Advances included in the distribution on such Distribution Date
        and
        the aggregate amount of Advances reported by the related Servicer (and the
        Master Servicer as successor servicer and any other servicer, if applicable)
        as
        outstanding (if reported by the related Servicer) as of the close of business
        on
        the Determination Date immediately preceding such Distribution
        Date;

       

      (ix)  the
        amount, if any, paid by the Certificate Insurer under the Policy for such
        Distribution Date and the aggregate amounts for all prior Distibution Dates
        paid
        by the Certificate Insurer under the Policy and not yet reimbursed;

       

      (x)  the
        number and aggregate outstanding principal balances of Mortgage Loans
        (1) as to which the Scheduled Payment is Delinquent 31 to 60 days, 61 to 90
        days, 91 to 120 days, 121 to 150 days, 151 to 180 days and 180+ days,
        (2) that have become REO Property, (3) that are in foreclosure and
        (4) that are in bankruptcy, in each case as of the close of business on the
        last Business Day of the immediately preceding month;

       

      (xi)  for
        each
        of the preceding 12 calendar months, or all calendar months since the related
        Cut-off Date, whichever is less, the aggregate dollar amount of the Scheduled
        Payments (A) due on all related Outstanding Mortgage Loans on each of the
        Due Dates in each such month and (B) Delinquent 60 days or more on each of
        the Due Dates in each such month;

       

      (xii)  with
        respect to all Mortgage Loans that became REO Properties during the preceding
        calendar month, the aggregate number of such Mortgage Loans and the aggregate
        Stated Principal Balance of such Mortgage Loans as of the close of business
        on
        the last Business Day of the immediately preceding month;

       

      (xiii)  the
        total
        number and principal balance of any REO Properties (and market value, if
        available) as of the close of business on the last Business Day of the
        immediately preceding month;

       

      (xiv)  whether
        a
        Trigger Event has occurred and is continuing (including the separate components
        of the calculation and the aggregate outstanding balance of all 60+ Day
        Delinquent Mortgage Loans);

       

      (xv)  the
        amount on deposit in the Excess Reserve Fund Account (after giving effect
        to
        distributions on such Distribution Date);

       

      (xvi)  the
        amount of any Net Monthly Excess Cash Flow on such Distribution Date and
        the
        allocation thereof to the Certificateholders with respect to Unpaid Interest
        Amounts;

       

      (xvii)  the
        Overcollateralized Amount and Specified Overcollateralized Amount;

       

      (xviii)  Prepayment
        Premiums collected by or paid by the related Servicer;

       

      (xix)  the
        Cumulative Loss Percentage;

       

      (xx)  the
        amount distributed on the Class X Certificates;

       

      (xxi)  the
        amount of any Subsequent Recoveries for such Distribution Date;

       

      (xxii)  the
        Record Date for such Distribution Date;

       

      (xxiii)  each
        Mortgage Loan that has been released to the Class X-1 Certificateholder pursuant
        to Section 3.15;

       

      (xxiv)  one-month,
        three-month and twelve-month CPR;

       

      (xxv)  the
        cumulative amount of Realized Losses on the Mortgage Loans; and

       

      (xxvi)  the
        amount of any Net Swap Receipts or Net Swap Payments for such Distribution
        Date.

       

      (b)  The
        Trustee’s responsibility for providing the above statement to the
        Certificateholders, each Rating Agency, the Servicers, the Master Servicer,
        the
        Certificate Insurer and the Depositor is limited to the availability, timeliness
        and accuracy of the information derived from the related Servicer, the Master
        Servicer or the related Responsible Party. The Trustee will provide the above
        statement via the Trustee’s internet website. The Trustee’s website will
        initially be located at https://www.tss.db.com/invr and assistance in using
        the
        website can be obtained by calling the Trustee’s investor relations desk at
        1-800-735-7777. A paper copy of the above statement will also be made available
        upon request.

       

      (c)  Within
        a
        reasonable period of time after the end of each calendar year, the Trustee
        shall
        cause to be furnished to each Person who at any time during the calendar
        year
        was a Certificateholder, a statement containing the information set forth
        in
        clauses (a)(i) and (a)(ii) of this Section 4.04 aggregated for such
        calendar year or, with respect to the Certificateholders, applicable portion
        thereof during which such Person was a Certificateholder. Such obligation
        of the
        Trustee shall be deemed to have been satisfied to the extent that substantially
        comparable information shall be provided by the Trustee pursuant to any
        requirements of the Code as from time to time in effect.

       

      (d)  Not
        later
        than the related Reporting
        Date,
        each
        Servicer shall furnish to the Trustee and the Master Servicer, a monthly
        remittance advice statement (in a format mutually agreed upon by each Servicer
        and the Trustee and upon which the Trustee may rely) containing such information
        as shall be reasonably requested by the Trustee to provide the reports required
        by Section 4.04(a) as to the accompanying remittance and the related Due
        Period and Prepayment Period for such Distribution Date (the “Servicer
        Remittance Report”). In addition, on the related Reporting Date, the Master
        Servicer shall furnish to the Trustee a report (in a format mutually agreed
        upon
        by the Master Servicer and the Trustee) containing the information available
        to
        it in order to enable the Trustee to perform the reporting required in
        this Agreement with respect to the Mortgage Loans and the related Distribution
        Date and such other information as shall be reasonably requested by the Trustee
        to provide the reports required by Section 4.04(a) as to the accompanying
        remittance and the related Due Period and Prepayment Period for such
        Distribution Date.

       

      Each
        Servicer shall furnish to the Trustee (with a copy to the
        Certificate Insurer)
        an
        individual loan accounting report to document Mortgage Loan payment activity
        on
        an individual Mortgage Loan basis for the related Due Period and Prepayment
        Period. With respect to each Due Period and Prepayment Period, the corresponding
        individual loan accounting report (in electronic format) shall be received
        by
        the Trustee no later than the Reporting Date, which report shall contain
        the
        following:

       

      (i)  with
        respect to each Scheduled Payment, the amount of such remittance allocable
        to
        principal (including a separate breakdown of any Principal Prepayment and
        any
        Prepayment Premiums);

       

      (ii)  with
        respect to each Scheduled Payment, the amount of such remittance allocable
        to
        interest;

       

      (iii)  the
        amount of servicing compensation received by the related Servicer during
        the
        prior distribution period;

       

      (iv)  the
        individual and aggregate Stated Principal Balance of the related Mortgage
        Loans;

       

      (v)  the
        aggregate of any expenses reimbursed to the related Servicer during the prior
        distribution period pursuant to Section 3.11;

       

      (vi)  the
        number and aggregate outstanding principal balances of related Mortgage Loans
        (1) as to which the Scheduled Payment is Delinquent 31 to 60 days, 61 to 90
        days, 91 to 120 days, 121 to 150 days, 151 to 180 days and 180+ days,
        (2) that have become REO Property, (3) that are in foreclosure and
        (4) that are in bankruptcy, in each case as of the close of business on the
        last Business Day of the immediately preceding month;

       

      (vii)  each
        related Mortgage Loan which has been altered, modified or varied during such
        month, and the reason for such modification (i.e., extension of maturity
        date,
        Mortgage Interest Rate);

       

      (viii)  with
        respect to each related Mortgage Loan, the amount of any Realized Losses
        for
        such Mortgage Loan;

       

      (ix)  each
        related Mortgage Loan that will be released to the Class X Certificateholder
        pursuant to Section 3.15; and

       

      (x)  any
        other
        information reasonably required by the Trustee to enable it to prepare the
        monthly statement referred to in Section 4.04(a).

       

      For
        all
        purposes of this Agreement, with respect to any Mortgage Loan, delinquencies
        shall be determined and reported based on the “OTS” methodology for determining
        delinquencies on mortgage loans similar to the Mortgage Loans as described
        in
        the definition of “Delinquent.

       

      Section
        4.05  Certain
        Matters Relating to the Determination of LIBOR.
        LIBOR
        shall be calculated by the Trustee in accordance with the definition of “LIBOR.”
Until all of the LIBOR Certificates are paid in full, the Trustee will at
        all
        times retain at least four Reference Banks for the purpose of determining
        LIBOR
        with respect to each LIBOR Determination Date. The Trustee initially shall
        designate the Reference Banks (after consultation with the Depositor). Each
        “Reference Bank” shall be a leading bank engaged in transactions in Eurodollar
        deposits in the international Eurocurrency market, shall not control, be
        controlled by, or be under common control with, the Trustee and shall have
        an
        established place of business in London. If any such Reference Bank should
        be
        unwilling or unable to act as such or if the Trustee should terminate its
        appointment as Reference Bank, the Trustee shall promptly appoint or cause
        to be
        appointed another Reference Bank (after consultation with the Depositor).
        The
        Trustee shall have no liability or responsibility to any Person for (i) the
        selection of any Reference Bank for purposes of determining LIBOR or
        (ii) any inability to retain at least four Reference Banks which is caused
        by circumstances beyond its reasonable control.

       

      The
        Pass-Through Rate for each Class of LIBOR Certificates for each Interest
        Accrual
        Period shall be determined by the Trustee on each LIBOR Determination Date
        so
        long as the LIBOR Certificates are outstanding on the basis of LIBOR and
        the
        respective formulae appearing in footnotes corresponding to the LIBOR
        Certificates in the table relating to the Certificates in the Preliminary
        Statement. The Trustee shall not have any liability or responsibility to
        any
        Person for its inability, following a good-faith reasonable effort, to obtain
        quotations from the Reference Banks or to determine the arithmetic mean referred
        to in the definition of LIBOR, all as provided for in this Section 4.05 and
        the definition of LIBOR. The establishment of LIBOR and each Pass-Through
        Rate
        for the LIBOR Certificates by the Trustee shall (in the absence of manifest
        error) be final, conclusive and binding upon each Holder of a Certificate
        and
        the Trustee.

       

      Section
        4.06  Allocation
        of Realized Losses.
        No
        Realized Losses shall be allocated to the Class A-1 Certificates or the Class
        A-IO Certificates.

       

      All
        Realized Losses on the Mortgage Loans shall be deemed to have been allocated
        first, to REMIC I Regular Interest I until the Uncertificated Balance REMIC
        I
        Regular Interest I has been reduced to zero, and second, to REMIC I Regular
        Interest I-1-A through I-54-B, starting with the lowest numerical denomination
        until each such REMIC I Regular Interest has been reduced to zero, provided
        that, for REMIC I Regular Interests with the same numerical denomination,
        such
        Realized Losses shall be allocated pro rata between such REMIC I Regular
        Interests. 

       

      All
        Realized Losses on the Mortgage Loans shall be deemed to have been allocated
        first, to REMIC II Regular Interest I, until the Uncertificated Balance has
        been
        reduced to zero, and then to REMIC
        II
        Regular Interest IO-1,
        REMIC
        II Regular Interest IO-2, REMIC II Regular Interest IO-3, REMIC II Regular
        Interest IO-4, REMIC II Regular Interest IO-5 and REMIC II Regular Interest
        IO-6, sequentially, until the Uncertificated Balances have been reduced to
        zero.

       

      All
        Realized Losses on the Mortgage Loans shall be deemed to have been allocated
        in
        the specified percentages, as follows: first, to Uncertificated Interest
        payable
        to REMIC III Regular Interest AA and REMIC III Regular Interest ZZ up to
        an
        aggregate amount equal to the REMIC III Interest Loss Allocation Amount,
        98% and
        2%, respectively; and second, to the Uncertificated Balances of REMIC III
        Regular Interest AA and REMIC III Regular Interest ZZ up to an aggregate
        amount
        equal to the REMIC III Principal Loss Allocation Amount, 98% and 2%,
        respectively. 

       

      Section
        4.07  Distributions
        on the REMIC Regular Interests. 

       

      (a)  On
        each
        Distribution Date, the following amounts, in the following order of priority,
        shall be distributed by REMIC I to REMIC II on account of the REMIC I Regular
        Interests or withdrawn from the Distribution Account and distributed to the
        Holders of the Class R Certificates (in respect of the Class R-1A Interest),
        as
        the case may be:

       

      (i)  to
        Holders of each of REMIC I Regular Interest I and REMIC I Regular Interest
        I-1-A
        through I-54-B, pro rata, in an amount equal to (A) Uncertificated Interest
        for
        such REMIC I Regular Interests for such Distribution Date, plus (B) any amounts
        payable in respect thereof remaining unpaid from previous Distribution Dates;
        

       

      (ii)  to
        the
        extent of amounts remaining after the distributions made pursuant to clause
        (i)
        above, payments of principal shall be allocated to first to REMIC I Regular
        Interest I, second to REMIC I Regular Interests I-1-A through I-54-B starting
        with the lowest numerical denomination until the Uncertificated Balance of
        each
        such REMIC I Regular Interest is reduced to zero, provided that, for REMIC
        I
        Regular Interests with the same numerical denomination, such payments of
        principal shall be allocated pro rata between such REMIC I Regular Interests;
        

       

      (iii)  any
        remaining amount to the Holders of the Class R Certificates (in respect of
        the
        Class R-1 Interest);

       

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

       

      (i)  First,
        to
        the Holders of REMIC II Regular Interest SWAP-IO in an amount equal to (A)
        the
        Uncertificated Interest for such Distribution Date, plus (B) any amounts
        in
        respect thereof remaining unpaid from previous Distribution Dates, second,
        to
        the Holders of REMIC II Regular Interest IO-1, REMIC II Regular Interest
        IO-2,
        REMIC II Regular Interest IO-3, REMIC II Regular Interest IO-4, REMIC II
        Regular
        Interest IO-5 and REMIC II Regular Interest IO-6 in an amount equal to (A)
        the
        Uncertificated Interest for such Distribution Date, plus (B) any amounts
        in
        respect thereof remaining unpaid from previous Distribution Dates and third,
        to
        the Holders of REMIC II Regular Interest I, in an amount equal to (A) the
        Uncertificated Interest for such Distribution Date, plus (B) any amounts
        in
        respect thereof remaining unpaid from previous Distribution Dates;

       

      (ii)  to
        the
        extent of amounts remaining after the distributions made pursuant to clause
        (i)
        above, payments of principal shall be allocated as follows, first, to the
        Holders of REMIC II Regular Interest I, until the Uncertificated Balances
        of
        each such REMIC II Regular Interest is reduced to zero, and second, to the
        Holders of (i) REMIC II Regular Interest IO-1, REMIC II Regular Interest
        IO-2,
        REMIC II Regular Interest IO-3, REMIC II Regular Interest IO-4, REMIC II
        Regular
        Interest IO-5 and REMIC II Regular Interest IO-6, sequentially, until the
        Uncertificated Balance of each such REMIC II Regular Interest is reduced
        to
        zero;

       

      (iii)  any
        remaining amount to the Holders of the Class R Certificates (in respect of
        the
        Class R-2 Interest);

       

      (c)  On
        each
        Distribution Date, the following amounts, in the following order of priority,
        shall be distributed by REMIC III to REMIC IV on account of the REMIC III
        Regular Interests or withdrawn from the Distribution Account and distributed
        to
        the Holders of the Class R Certificates (in respect of the Class R-3 Interest),
        as the case may be:

       

      (i)  First,
        to
        the Holders of REMIC III Regular Interest I-SWAP-IO in an amount equal to
        (A)
        the Uncertificated Interest for such Distribution Date, plus (B) any amounts
        in
        respect thereof remaining unpaid from previous Distribution Dates; second
        to the
        Holders of REMIC III Regular Interest A-IO in an amount equal to (A) the
        Uncertificated Interest for such Distribution Date, plus (B) any amounts
        in
        respect thereof remaining unpaid from previous Distribution Dates; and then
        to
        Holders of REMIC III Regular Interest AA, REMIC III Regular Interest A1 and
        REMIC III Regular Interest ZZ, pro
        rata,
        in an
        amount equal to (A) the Uncertificated Interest for such Distribution Date,
        plus
        (B) any amounts in respect thereof remaining unpaid from previous Distribution
        Dates. Amounts payable as Uncertificated Interest in respect of REMIC III
        Regular Interest ZZ shall be reduced when the REMIC III Overcollateralization
        Amount is less than the REMIC III Required Overcollateralization Amount,
        by the
        lesser of (x) the amount of such difference and (y) the Maximum ZZ
        Uncertificated Interest Deferral Amount and such amount will be payable to
        REMIC
        III Regular Interest A1, in the same proportion as the Overcollateralization
        Deficiency is allocated to the Corresponding Certificates and the Uncertificated
        Balance of REMIC III Regular Interest ZZ shall be increased by such
        amount;

       

      (ii)  to
        the
        Holders of REMIC III Regular Interests, in an amount equal to the remainder
        of
        the REMIC III Marker Allocation Percentage of the Available Distribution
        Amount
        funds for such Distribution Date after the distributions made pursuant to
        clause
        (i) above, allocated as follows:

       

      (A) 98.00%
        of
        such remainder to the Holders of REMIC III Regular Interest I-AA, until the
        Uncertificated Balance of such Uncertificated REMIC III Regular Interest
        is
        reduced to zero;

       

      (B) 2.00%
        of
        such remainder, first, to the Holders of REMIC III Regular Interest A1, 1%
        of
        and in the same proportion as principal payments are allocated to the
        Corresponding Certificates, until the Uncertificated Balances of such REMIC
        III
        Regular Interests are reduced to zero and second to the Holders of REMIC
        III
        Regular Interest ZZ, until the Uncertificated Balance of such REMIC III Regular
        Interest is reduced to zero; then

       

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

       

      provided,
        however, that 98.00% and 2.00% of any principal payments that are attributable
        to an Overcollateralization Reduction Amount shall be allocated to Holders
        of
        REMIC III Regular Interest AA and REMIC III Regular Interest ZZ,
        respectively.

       

      Section
        4.08  Supplemental
        Interest Trust.
        On the
        Closing Date, the Depositor does hereby establish, pursuant to the further
        provisions of this Agreement and the laws of the State of New York, the
        Supplemental Interest Trust and Deutsche Bank National Trust Company is hereby
        appointed as Supplemental Interest Trust Trustee in accordance with the
        provisions of this Agreement. On the Closing Date, the Supplemental
        Interest Trust Trustee shall
        establish and maintain in its name a separate non-interest bearing trust
        account
        (the “Supplemental
        Interest Trust Account”),
        which
        will be a separate account, for the benefit of the Holders of the Certificates
        as a part of the Supplemental Interest Trust. The Supplemental Interest Trust
        shall hold the Interest Rate Swap Agreement. The Supplemental Interest Trust
        Account shall be an Eligible Account, and funds on deposit therein shall
        be held
        separate and apart from, and shall not be commingled with, any other moneys,
        including, without limitation, other moneys of the Trustee held pursuant
        to this
        Agreement.

       

      On
        or
        prior to the Closing Date, the Supplemental Interest Trust Trustee, in its
        capacity as Supplemental Interest Trust Trustee, is hereby directed to execute
        and deliver the Interest Rate Swap Agreement on behalf of Party B (as defined
        therein) and to exercise the rights, perform the obligations, and make the
        representations of Party B thereunder, solely in its capacity as Supplemental
        Interest Trust Trustee on behalf of Party B (as defined therein) and not
        in its
        individual capacity.

       

      On
        each
        Distribution Date, the Supplemental Interest Trust Trustee shall deposit
        into
        the Supplemental Interest Trust Account amounts distributable to the Swap
        Provider by the Supplemental Interest Trust pursuant to Section 4.02(a) of
        this
        Agreement. On each Distribution Date, the Supplemental Interest Trust Trustee
        shall distribute any such amounts to the Swap Provider pursuant to the Interest
        Rate Swap Agreement, first to pay any Net Swap Payment owed to the Swap Provider
        for such Distribution Date, and second to pay any Swap Termination Payment
        owed
        to the Swap Provider.

       

      On
        each
        Distribution Date, the Supplemental Interest Trust Trustee shall deposit
        into
        the Supplemental Interest Trust Account amounts received by it from the Swap
        Provider. Funds in the Supplemental Interest Trust Account will be distributed
        in the following order of priority:

       

      (i)  to
        the
        Swap Provider, the sum of (x) all Net Swap Payments and (y) any Swap Termination
        Payment, other than a Defaulted Swap Termination Payment, to the Swap Provider,
        if any, owed for that Distribution Date;

       

      (ii)  to
        the
        LIBOR Certificateholders, to pay Accrued Certificate Interest Distribution
        Amounts and, if applicable, any Unpaid Interest Amounts as described in
        Section 4.02(a)(i), to the extent unpaid from other Available Funds
        (provided that such amounts shall be paid first to the Certificate Insurer
        to
        the extent of any unreimbursed amounts owing to the Certificate Insurer relating
        to payments made by the Certificate Insurer in respect of Accrued Certificate
        Interest Distribution Amounts or Unpaid Interest Amounts on the LIBOR
        Certificates);

       

      (iii)  to
        the
        Class A-1 Certificates, to pay principal as described in
        Section 4.02(a)(ii), but only to the extent necessary to restore the
        Overcollateralized Amount at the Specified Overcollateralized Amount as a
        result
        of current or prior Realized Losses not yet reimbursed, after giving effect
        to
        payments and distributions from other Available Funds;

       

      (iv)  to
        the
        LIBOR Certificateholders, to pay Unpaid Interest Amounts and related Basis
        Risk
        Carry Forward Amounts as described in Section 4.02(a)(iii), to the extent
        unpaid from other Available Funds (including Basis Risk Payments on deposit
        in
        the Excess Reserve Fund Account);

       

      (v)  to
        the
        Swap Provider, any Defaulted Swap Termination Payment owed to the Swap Provider
        for that Distribution Date; and

       

      (vi)  to
        the
        Holders of the Class X Certificates, any remaining amounts.

       

      The
        Supplemental Interest Trust constitutes an “outside reserve fund” within the
        meaning of Treasury Regulation § 1.860G-2(h) and is not an asset of any REMIC.
        The Holders of the Class X Certificates shall be the beneficial owner of
        the
        Supplemental Interest Trust, subject to the power of the Supplemental Interest
        Trust Trustee to transfer amounts under this Agreement. The Supplemental
        Interest Trust Trustee shall keep records that accurately reflect the funds
        on
        deposit in the Supplemental Interest Trust. The Supplemental Interest Trust
        Trustee shall, at the written direction of the Holder of the Majority Class
        X
        Certificateholder, invest amounts on deposit in the Supplemental Interest
        Trust
        in Permitted Investments. In the absence of written direction to the
        Supplemental Interest Trust Trustee from the Majority Class X Certificateholder,
        all funds in the Supplemental Interest Trust shall remain uninvested. The
        Supplemental Interest Trust Trustee shall not be liable for the amount of
        any
        loss incurred with respect to any investment or lack of investment of funds
        therein. On each Distribution Date, the Supplemental Interest Trust Trustee
        shall distribute, not in respect of any REMIC, any interest earned on the
        Supplemental Interest Trust to the Holders of the Class X
        Certificates.

       

      For
        federal income tax purposes, amounts paid to the Supplemental Interest Trust
        on
        each Distribution Date pursuant to Section 4.02(a)(i) (other than any Swap
        Termination Payments) shall first be deemed paid to the Supplemental Interest
        Trust in respect of the Class IO Interest to the extent of the amount
        distributable on such Class IO Interest on such Distribution Date, and any
        remaining amount shall be deemed paid to the Supplemental Interest Trust
        in
        respect of a Class IO Distribution Amount. For federal income tax purposes,
        the
        Supplemental Interest Trust will be a disregarded entity.

       

      The
        Supplemental Interest Trust Trustee shall treat the Holders of the Offered
        Certificates as having entered into a notional principal contract with respect
        to the Holders of the Class X Certificates. Pursuant to each such notional
        principal contract, all Holders of the Offered Certificates shall be treated
        as
        having agreed to pay, on each Distribution Date, to the Holder of the Class
        X
        Certificates an aggregate amount equal to the excess, if any, of (i) the
        amount
        payable on such Distribution Date on the REMIC
        IV
        Certificate
        ownership of which is represented by such Class of Certificates over (ii)
        the
        amount payable on such Class of Certificates on such Distribution Date (such
        excess, a “Class IO Distribution Amount”). A Class IO Distribution Amount
        payable from interest collections shall be allocated pro rata among such
        Certificates based on the amount of interest otherwise payable to such
        Certificates, and a Class IO Distribution Amount payable from principal
        collections shall be allocated to the Class A Certificates with an outstanding
        principal balance to the extent of such balance. In addition, pursuant to
        such
        notional principal contract, the Holder of the Class X Certificates shall
        be
        treated as having agreed to pay Basis Risk Shortfalls to the Holders of the
        Offered Certificates in accordance with the terms of this Agreement. Any
        payments to such Certificates from amounts deemed received in respect of
        this
        notional principal contract shall not be payments with respect to a Regular
        Interest in a REMIC within the meaning of Code Section 860G(a)(1). However,
        any
        payment from the Offered Certificates of a Class IO Distribution Amount shall
        be
        treated for tax purposes as having been received by the Holders of such
        Certificates in respect of the REMIC IV Certificate ownership of which is
        represented by such Certificates, and as having been paid by such Holders
        to the
        Supplemental Interest Trust pursuant to the notional principal contract.
        Thus,
        each Offered Certificate shall be treated as representing not only ownership
        of
        a Regular Interest in REMIC IV, but also ownership of an interest in, and
        obligations with respect to, a notional principal contract.

       

      The
        Sponsor shall provide to the Supplemental
        Interest Trust Trustee the
        value
        of the right of the Holders of the Offered Certificates to receive payments
        from
        the Supplemental Interest Trust for federal tax return and information reporting
        not later than December 31, 2007.

       

      In
        the
        event that the Interest Rate Swap Agreement is terminated prior to the
        Distribution Date occurring in February 2012 other than in connection with
        the
        optional termination of the related portion of the Trust, the Supplemental
        Interest Trust Trustee, at the direction of the Depositor, shall use reasonable
        efforts to appoint a successor swap provider using any Swap Termination Payments
        paid by the Swap Provider. To the extent the Supplemental Interest Trust
        is
        required to pay a Swap Termination Payment to the Swap Provider, all or a
        portion of such amount received from a replacement swap provider upon entering
        into a replacement interest rate swap agreement or similar agreement will
        be
        applied to the Swap Termination Payment owing to the Swap Provider. If the
        Supplemental Interest Trust Trustee on behalf of the Supplemental Interest
        Trust
        is unable to locate a qualified successor swap provider within thirty (30)
        days
        of the Early Termination Date (as defined in the Interest Rate Swap Agreement),
        any Swap Termination Payments paid by the Swap Provider will be deposited
        into a
        separate non-interest bearing Eligible Account and the Supplemental Interest
        Trust Trustee, on each subsequent Distribution Date (until the termination
        date
        of the Interest Rate Swap Agreement or the appointment of a successor swap
        provider), will withdraw the amount of any Net Swap Payment due to the
        Supplemental Interest Trust (calculated in accordance with the terms of the
        Interest Rate Swap Agreement) and distribute such Net Swap Payment to the
        Holders of the Certificates and the Certificate Insurer in accordance with
        this
        Section 4.08.

       

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

       

      For
        federal income tax purposes, each Holder of an Offered Certificate is deemed
        to
        own an undivided beneficial ownership interest in a REMIC regular interest
        and
        the right to receive payments from either the Excess Reserve Fund Account
        or the
        Supplemental Interest Trust in respect of any Basis Risk Carry Forward Amounts
        or the obligation to make payments to the Supplemental Interest Trust. For
        federal income tax purposes, the Supplemental Interest Trust Trustee will
        account for payments to each Offered Certificate as follows: each Offered
        Certificate will be treated as receiving their entire payment from REMIC
        IV
        (regardless of any Swap Termination Payment or obligation under the Interest
        Rate Swap Agreement) and subsequently paying their portion of any Swap
        Termination Payment in respect of each such Class’ obligation under the Interest
        Rate Swap Agreement. In the event that any such Class is resecuritized in
        a
        REMIC, the obligation under the Interest Rate Swap Agreement to pay any such
        Swap Termination Payment (or any shortfall in Net Swap Payment), will be
        made by
        one or more of the REMIC Regular Interests issued by the resecuritization
        REMIC
        subsequent to such REMIC Regular Interest receiving its full payment from
        any
        such Offered Certificate. Resecuritization of any Offered Certificate in
        a REMIC
        will be permissible only if the Supplemental Interest Trust Trustee hereunder
        is
        the trustee in such resecuritization.

       

      The
        REMIC
        Regular Interest corresponding to an Offered Certificate will be entitled
        to
        receive interest and principal payments at the times and in the amounts equal
        to
        those made on the certificate to which it corresponds, except that (i) the
        maximum interest rate of that REMIC regular interest will equal the WAC Cap
        computed for this purpose by limiting the notional amount of the Interest
        Rate
        Swap Agreement to the aggregate Stated Principal Balance of the Mortgage
        Loans
        and (ii) any Swap Termination Payment will be treated as being payable solely
        from amounts otherwise payable to the Class X Certificates. As a result of
        the
        foregoing, the amount of distributions and taxable income on the REMIC Regular
        Interest corresponding to a Offered Certificate may exceed the actual amount
        of
        distributions on the Offered Certificate.

       

       

       

      ARTICLE
        V

       

      THE
        CERTIFICATES

       

      Section
        5.01  The
        Certificates.
        The
        Certificates shall be substantially in the forms attached hereto as exhibits.
        The Certificates shall be issuable in registered form, in the minimum
        denominations, integral multiples in excess thereof (except that one Certificate
        in each Class may be issued in a different amount which must be in excess
        of the applicable minimum denomination) and aggregate denominations per
        Class set forth in the Preliminary Statement.

       

      The
        Depositor hereby directs the Trustee to register the Class X, Class X-1 and
        Class P Certificates in the name of the Depositor or its designee. On a date
        as
        to which the Depositor notifies the Trustee, the Depositor hereby directs
        the
        Trustee to transfer the Class
        X
        Certificates and Class P Certificates
        in any
        name or names as the Depositor shall request, and to deliver such Class X
        Certificates and Class P Certificates to such Person or Persons as the Depositor
        shall request.

       

      Subject
        to Section 10.02 and 10.03 respecting the final distribution on the
        Certificates, on each Distribution Date the Trustee shall make distributions
        to
        each Certificateholder of record on the preceding Record Date either (x) by
        wire transfer in immediately available funds to the account of such Holder
        at a
        bank or other entity having appropriate facilities therefor as directed by
        that
        Certificateholder by written wire instructions provided to the Trustee or
        (y),
        in the event that no wire instructions are provided to the Trustee, by check
        mailed by first class mail to such Certificateholder at the address of such
        Holder appearing in the Certificate Register.

       

      The
        Certificates shall be executed by manual or facsimile signature on behalf
        of the
        Trustee by an authorized officer. Certificates bearing the manual or facsimile
        signatures of individuals who were, at the time such signatures were affixed,
        authorized to sign on behalf of the Trustee shall bind the Trustee,
        notwithstanding that such individuals or any of them have ceased to be so
        authorized prior to the authentication and delivery of any such Certificates
        or
        did not hold such offices at the date of such Certificate. No Certificate
        shall
        be entitled to any benefit under this Agreement, or be valid for any purpose,
        unless authenticated by the Trustee by manual signature, and such authentication
        upon any Certificate shall be conclusive evidence, and the only evidence,
        that
        such Certificate has been duly executed and delivered hereunder. All
        Certificates shall be dated the date of their authentication. On the Closing
        Date, the Trustee shall authenticate the Certificates to be issued at the
        direction of the Depositor, or any affiliate thereof.

       

      The
        Depositor shall provide, or cause to be provided, to the Trustee on a continuous
        basis, an adequate inventory of Certificates to facilitate
        transfers.

       

      Section
        5.02  Certificate
        Register; Registration of Transfer and Exchange of Certificates.
        (a)
        The
        Trustee shall maintain, or cause to be maintained in accordance with the
        provisions of Section 5.06, a Certificate Register for the Trust Fund in
        which, subject to the provisions of subsections (b) and (c) below and to
        such reasonable regulations as it may prescribe, the Trustee shall provide
        for
        the registration of Certificates and of transfers and exchanges of Certificates
        as herein provided. Upon surrender for registration of transfer of any
        Certificate, the Trustee shall execute and deliver, in the name of the
        designated transferee or transferees, one or more new Certificates of the
        same
        Class and aggregate Percentage Interest.

       

      At
        the
        option of a Certificateholder, Certificates may be exchanged for other
        Certificates of the same Class in authorized denominations and evidencing
        the
        same aggregate Percentage Interest upon surrender of the Certificates to
        be
        exchanged at the office or agency of the Trustee. Whenever any Certificates
        are
        so surrendered for exchange, the Trustee shall execute, authenticate, and
        deliver the Certificates which the Certificateholder making the exchange
        is
        entitled to receive. Every Certificate presented or surrendered for registration
        of transfer or exchange shall be accompanied by a written instrument of transfer
        in form satisfactory to the Trustee duly executed by the holder thereof or
        his
        attorney duly authorized in writing. In the event the Depositor or an Affiliate
        transfers the Class X Certificates, or a portion thereof, to another Affiliate,
        it shall notify the Trustee in writing of the affiliated status of the
        transferee. The Trustee shall have no liability regarding the lack of notice
        with respect thereto.

       

      No
        service charge to the Certificateholders shall be made for any registration
        of
        transfer or exchange of Certificates, but payment of a sum sufficient to
        cover
        any tax or governmental charge that may be imposed in connection with any
        transfer or exchange of Certificates may be required.

       

      All
        Certificates surrendered for registration of transfer or exchange shall be
        cancelled and subsequently destroyed by the Trustee in accordance with the
        Trustee’s customary procedures.

       

      (b)  No
        transfer of a Private Certificate shall be made unless such transfer is made
        pursuant to an effective registration statement under the Securities Act
        and any
        applicable state securities laws or is exempt from the registration requirements
        under said Act and such state securities laws. Except with respect to the
        transfer of the Class X, Class X-1, Class P and Class R Certificates, to
        the
        Depositor or an Affiliate of the Depositor, in the event that a transfer
        of a
        Private Certificate which is a Physical Certificate is to be made in reliance
        upon an exemption from the Securities Act and such laws, in order to assure
        compliance with the Securities Act and such laws, the Certificateholder desiring
        to effect such transfer shall certify to the Trustee in writing the facts
        surrounding the transfer in substantially the form set forth in Exhibit H
        (the “Transferor Certificate”) and either (i) there shall be delivered to
        the Trustee a letter in substantially the form of Exhibit I-1 (the
“Rule 144A Letter”) or, in the case of the Private Certificates only,
        Exhibit I-2 (the “Non-Rule 144A Investment Letter”) or (ii) in the case of
        the Class X Certificates or Class X-1 Certificates, there shall be delivered
        to
        the Trustee at the expense of the transferor an Opinion of Counsel that such
        transfer may be made without registration under the Securities Act. In the
        event
        that a transfer of a Private Certificate which is a Book-Entry Certificate
        is to
        be made in reliance upon an exemption from the Securities Act and such laws,
        in
        order to assure compliance with the Securities Act and such laws, the
        Certificateholder desiring to effect such transfer will be deemed to have
        made
        as of the transfer date each of the certifications set forth in the Transferor
        Certificate in respect of such Certificate and the transferee will be deemed
        to
        have made as of the transfer date each of the certifications set forth in
        the
        Rule 144A Letter in respect of such Certificate, in each case as if such
        Certificate were evidenced by a Physical Certificate. The Depositor shall
        provide to any Holder of a Private Certificate and any prospective transferee
        designated by any such Holder, information regarding the related Certificates
        and the related Mortgage Loans and such other information as shall be necessary
        to satisfy the condition to eligibility set forth in Rule 144A(d)(4) for
        transfer of any such Certificate without registration thereof under the
        Securities Act pursuant to the registration exemption provided by
        Rule 144A. The Trustee, the Master Servicer and the applicable Servicer
        shall cooperate with the Depositor in providing the Rule 144A information
        referenced in the preceding sentence, including providing to the Depositor
        such
        information regarding the related Certificates, the related Mortgage Loans
        and
        other matters regarding the Trust Fund as the Depositor shall reasonably
        request
        to meet its obligation under the preceding sentence. Each Holder of a Private
        Certificate desiring to effect such transfer shall, and does hereby agree
        to,
        indemnify the Trustee, the Master Servicer, the Depositor and the Servicers
        against any liability that may result if the transfer is not so exempt or
        is not
        made in accordance with such federal and state laws.

       

      No
        transfer of an ERISA-Restricted Certificate shall be made unless the Trustee
        shall have received either (i) an Opinion of Counsel satisfactory to the
        Trustee, which Opinion of Counsel shall not be an expense of the Trustee,
        the
        Depositor, the Master Servicer, any Servicer or the Trust Fund, to the effect
        that the purchase and holding of such ERISA-Restricted Certificate will be
        permissible under applicable law, will not constitute or result in a non‐exempt
        prohibited transaction within the meaning of ERISA, Section 4975 of the Code
        or
        any materially similar any Federal, state or other applicable law ("Similar
        Law") and will not subject the Trustee, the Depositor or the Master Servicer
        to
        any obligation in addition to those expressly undertaken in this Agreement
        or to
        any liability or (ii) a representation from the transferee of such Certificate
        acceptable to and in form and substance satisfactory to the Trustee (such
        requirement is satisfied only by the Trustee’s receipt of a representation
        letter from the transferee substantially in the form of Exhibit I-1 or Exhibit
        I-2), to the effect that such transferee is not an employee benefit plan
        subject
        to Section 406 of ERISA, a plan or arrangement subject to Section 4975 of
        the
        Code or a plan or arrangement subject to any Similar Law, nor a person acting
        on
        behalf of any such plan or arrangement nor using the assets of any such plan
        or
        arrangement to effect such transfer, unless, except in the case of a Residual
        Certificate, certain conditions described below are satisfied. Notwithstanding
        anything else to the contrary herein, any purported transfer of an
        ERISA-Restricted Certificate to a transferee that does not provide the Opinion
        of Counsel or make the representation above shall be void and of no
        effect.

       

      For
        so
        long as the Supplemental Interest Trust is in existence, each beneficial
        owner
        of a Class A-1, Class A-IO, Class X, or Class P Certificate or any interest
        therein shall represent or shall be deemed to have represented, by virtue
        of its
        acquisition or holding of such Certificate, or interest therein, that either
        (i)
        it is not a Plan or (ii) (A) it is an accredited investor within the meaning
        of
        the Exemption and (B) the acquisition and holding of such Certificate and
        the
        separate right to receive payments from the Supplemental Interest Trust are
        eligible for the exemptive relief available under, in the case of such
        Certificate other than a Class X Certificate or Class P Certificate, Prohibited
        Transaction Class Exemption (“PTCE”) 84-14 (for transactions by independent
“qualified professional asset managers”), 91-38 (for transactions by bank
        collective investment funds), 90-1 (for transactions by insurance company
        pooled
        separate accounts), 95-60 (for transactions by insurance company general
        accounts) or 96-23 (for transactions effected by “in-house asset managers”) or
        in the case of a Class X Certificate or Class P Certificate, PTCE 95-60.
        

       

      Each
        beneficial owner of a Class X Certificate or Class P Certificate or any interest
        therein that is acquired subsequent to the termination of the Supplement
        Interest Trust shall represent or shall be deemed to have represented, by
        virtue
        of its acquisition or holding of such Certificate, or interest therein, that
        either (i) it is not a Plan or investing with assets of a Plan, (ii) for
        Certificates other than the Class X Certificate or Class P Certificate, it
        has
        acquired and is holding such certificate in reliance on the Exemption, and
        that
        it understands that there are certain conditions to the availability of the
        Exemption, including that such certificate must be rated, at the time of
        purchase, not lower than “BBB-“ (or its equivalent) by Standard & Poor’s,
        Fitch or Moody’s Investors Service, Inc., and such certificate is so rated, or
        (iii) (1) it is an insurance company, (2) the source of funds used to acquire
        or
        hold the certificate or interest therein is an “insurance company general
        account,” as such term is defined in Prohibited Transaction Class Exemption
        (“PTCE”) 95-60, and (3) the conditions in Sections I and III of PTCE 95-60 have
        been satisfied.

       

      To
        the
        extent permitted under applicable law (including, but not limited to, ERISA),
        the Trustee shall be under no liability to any Person for any registration
        or
        transfer of any Certificate that is in fact not permitted by this
        Section 5.02(b) or for making any payments due on such Certificate to the
        Holder thereof or taking any other action with respect to such Holder under
        the
        provisions of this Agreement so long as the transfer was registered by the
        Trustee in accordance with the foregoing requirements.

       

      (c)  Each
        Person who has or who acquires any Ownership Interest in a Residual Certificate
        shall be deemed by the acceptance or acquisition of such Ownership Interest
        to
        have agreed to be bound by the following provisions, and the rights of each
        Person acquiring any Ownership Interest in a Residual Certificate are expressly
        subject to the following provisions:

       

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

       

      (ii)  No
        Ownership Interest in a Residual Certificate may be registered on the Closing
        Date or thereafter transferred, and the Trustee shall not register the Transfer
        of any Residual Certificate unless, in addition to the certificates required
        to
        be delivered to the Trustee under subparagraph (b) above, the Trustee shall
        have been furnished with an affidavit (a “Transfer Affidavit”) of the initial
        owner or the proposed transferee in the form attached hereto as
        Exhibit G;

       

      (iii)  Each
        Person holding or acquiring any Ownership Interest in a Residual Certificate
        shall agree (A) to obtain a Transfer Affidavit from any other Person to
        whom such Person attempts to Transfer its Ownership Interest in a Residual
        Certificate, (B) to obtain a Transfer Affidavit from any Person for whom
        such Person is acting as nominee, trustee or agent in connection with any
        Transfer of a Residual Certificate and (C) not to Transfer its Ownership
        Interest in a Residual Certificate or to cause the Transfer of an Ownership
        Interest in a Residual Certificate to any other Person if it has actual
        knowledge that such Person is not a Permitted Transferee;

       

      (iv)  Any
        attempted or purported Transfer of any Ownership Interest in a Residual
        Certificate in violation of the provisions of this Section 5.02(c) shall be
        absolutely null and void and shall vest no rights in the purported Transferee.
        If any purported transferee shall become a Holder of a Residual Certificate
        in
        violation of the provisions of this Section 5.02(c), then the last
        preceding Permitted Transferee shall be restored to all rights as Holder
        thereof
        retroactive to the date of registration of Transfer of such Residual
        Certificate. The Trustee shall be under no liability to any Person for any
        registration of Transfer of a Residual Certificate that is in fact not permitted
        by Section 5.02(b) and this Section 5.02(c) or for making any payments
        due on such Certificate to the Holder thereof or taking any other action
        with
        respect to such Holder under the provisions of this Agreement so long as
        the
        Transfer was registered after receipt of the related Transfer Affidavit,
        Transferor Certificate and the Rule 144A Letter. The Trustee shall be
        entitled but not obligated to recover from any Holder of a Residual Certificate
        that was in fact not a Permitted Transferee at the time it became a Holder
        or,
        at such subsequent time as it became other than a Permitted Transferee, all
        payments made on such Residual Certificate at and after either such time.
        Any
        such payments so recovered by the Trustee shall be paid and delivered by
        the
        Trustee to the last preceding Permitted Transferee of such Certificate;
        and

       

      (v)  The
        Depositor shall use its best efforts to make available, upon receipt of written
        request from the Trustee, all information necessary to compute any tax imposed
        under Section 860E(e) of the Code as a result of a Transfer of an Ownership
        Interest in a Residual Certificate to any Holder who is not a Permitted
        Transferee.

       

      The
        restrictions on Transfers of a Residual Certificate set forth in this
        Section 5.02(c) shall cease to apply (and the applicable portions of the
        legend on a Residual Certificate may be deleted) with respect to Transfers
        occurring after delivery to the Trustee of an Opinion of Counsel, which Opinion
        of Counsel shall not be an expense of the Trust Fund, the Trustee or the
        related
        Servicer, to the effect that the elimination of such restrictions will not
        cause
        any REMIC to fail to qualify as a REMIC at any time that the Certificates
        are
        outstanding or result in the imposition of any tax on the Trust Fund, a
        Certificateholder or another Person. Each Person holding or acquiring any
        Ownership Interest in a Residual Certificate hereby consents to any amendment
        of
        this Agreement which, based on an Opinion of Counsel furnished to the Trustee
        is
        reasonably necessary (a) to ensure that the record ownership of, or any
        beneficial interest in, a Residual Certificate is not transferred, directly
        or
        indirectly, to a Person that is not a Permitted Transferee and (b) to
        provide for a means to compel the Transfer of a Residual Certificate which
        is
        held by a Person that is not a Permitted Transferee to a Holder that is a
        Permitted Transferee.

       

      (d)  The
        preparation and delivery of all certificates and opinions referred to above
        in
        this Section 5.02 in connection with transfer shall be at the expense of
        the parties to such transfers.

       

      (e)  Except
        as
        provided below, the Book-Entry Certificates shall at all times remain registered
        in the name of the Depository or its nominee and at all times:
        (i) registration of the Certificates may not be transferred by the Trustee
        except to another Depository; (ii) the Depository shall maintain book-entry
        records with respect to the Certificate Owners and with respect to ownership
        and
        transfers of such Book-Entry Certificates; (iii) ownership and transfers of
        registration of the Book-Entry Certificates on the books of the Depository
        shall
        be governed by applicable rules established by the Depository; (iv) the
        Depository may collect its usual and customary fees, charges and expenses
        from
        its Depository Participants; (v) the Trustee shall deal with the
        Depository, Depository Participants and indirect participating firms as
        representatives of the Certificate Owners of the Book-Entry Certificates
        for
        purposes of exercising the rights of Holders under this Agreement, and requests
        and directions for and votes of such representatives shall not be deemed
        to be
        inconsistent if they are made with respect to different Certificate Owners;
        and
        (vi) the Trustee may rely and shall be fully protected in relying upon
        information furnished by the Depository with respect to its Depository
        Participants and furnished by the Depository Participants with respect to
        indirect participating firms and persons shown on the books of such indirect
        participating firms as direct or indirect Certificate Owners.

       

      All
        transfers by Certificate Owners of Book-Entry Certificates shall be made
        in
        accordance with the procedures established by the Depository Participant
        or
        brokerage firm representing such Certificate Owner. Each Depository Participant
        shall only transfer Book-Entry Certificates of Certificate Owners it represents
        or of brokerage firms for which it acts as agent in accordance with the
        Depository’s normal procedures.

       

      If
        (x) (i) the Depository or the Depositor advises the Trustee in writing
        that the Depository is no longer willing or able to properly discharge its
        responsibilities as Depository, and (ii) the Trustee or the Depositor is
        unable to locate a qualified successor, or (y) the Depositor notifies the
        Depository of its intent to terminate the book-entry system through the
        Depository and, upon receipt of notice of such intent from the Depository,
        the
        Depository Participants holding beneficial interests in the Book-Entry
        Certificates agree to initiate such termination, the Trustee shall notify
        all
        Certificate Owners, through the Depository, of the occurrence of any such
        event
        and of the availability of definitive, fully-registered Certificates (the
        “Definitive Certificates”) to Certificate Owners requesting the same. Upon
        surrender to the Trustee of the related Class of Certificates by the Depository,
        accompanied by the instructions from the Depository for registration, the
        Trustee shall issue the Definitive Certificates. None of the related Servicer,
        the Depositor or the Trustee shall be liable for any delay in delivery of
        such
        instruction and each may conclusively rely on, and shall be protected in
        relying
        on, such instructions. The Depositor shall provide the Trustee with an adequate
        inventory of Certificates to facilitate the issuance and transfer of Definitive
        Certificates. Upon the issuance of Definitive Certificates all references
        herein
        to obligations imposed upon or to be performed by the Depository shall be
        deemed
        to be imposed upon and performed by the Trustee, to the extent applicable
        with
        respect to such Definitive Certificates and the Trustee shall recognize the
        Holders of the Definitive Certificates as Certificateholders hereunder;
        provided, that the Trustee shall not by virtue of its assumption of such
        obligations become liable to any party for any act or failure to act of the
        Depository.

       

      (f)  Each
        Private Certificate presented or surrendered for registration of transfer
        or
        exchange shall be accompanied by a written instrument of transfer and
        accompanied by IRS Form W-8ECI, W-8BEN, W-8IMY (and all appropriate
        attachments) or W-9 in form satisfactory to the Trustee and the Certificate
        Registrar, duly executed by the Certificateholder or his attorney duly
        authorized in writing. Each Certificate presented or surrendered for
        registration of transfer or exchange shall be cancelled and subsequently
        disposed of by the Certificate Registrar in accordance with its customary
        practice. No service charge shall be made for any registration of transfer
        or
        exchange of Private Certificates, but the Trustee or the Certificate Registrar
        may require payment of a sum sufficient to cover any tax or governmental
        charge
        that may be imposed in connection with any transfer or exchange of Private
        Certificates.

       

      Section
        5.03  Mutilated,
        Destroyed, Lost or Stolen Certificates.
        If
        (a) any mutilated Certificate is surrendered to the Trustee, or the Trustee
        receives evidence to its satisfaction of the destruction, loss or theft of
        any
        Certificate and (b) there is delivered to the Depositor, the related
        Servicer, the Master Servicer and the Trustee such security or indemnity
        as may
        be required by them to hold each of them harmless, then, in the absence of
        notice to the Trustee that such Certificate has been acquired by a bona fide
        purchaser, the Trustee shall execute, authenticate and deliver, in exchange
        for
        or in lieu of any such mutilated, destroyed, lost or stolen Certificate,
        a new
        Certificate of like Class, tenor and Percentage Interest. In connection with
        the
        issuance of any new Certificate under this Section 5.03, the Trustee may
        require the payment of a sum sufficient to cover any tax or other governmental
        charge that may be imposed in relation thereto and any other expenses (including
        the fees and expenses of the Trustee) connected therewith. Any replacement
        Certificate issued pursuant to this Section 5.03 shall constitute complete
        and indefeasible evidence of ownership, as if originally issued, whether
        or not
        the lost, stolen or destroyed Certificate shall be found at any
        time.

       

      Section
        5.04  Persons
        Deemed Owners.
        The
        related Servicer, the Master Servicer, the Trustee, the
        Certificate Insurer, the
        Depositor and any agent of the related Servicer, the Master Servicer, the
        Depositor, the Certificate Insurer or the Trustee may treat the Person in
        whose
        name any Certificate is registered as the owner of such Certificate for the
        purpose of receiving distributions as provided in this Agreement and for
        all
        other purposes whatsoever, and none of the Servicers, the Master Servicer,
        the
        Trustee, the Certificate Insurer, the Depositor or any agent of the related
        Servicer, the Master Servicer, the Depositor, the Certificate Insurer or
        the
        Trustee shall be affected by any notice to the contrary.

       

      Section
        5.05  Access
        to List of Certificateholders’ Names and Addresses.
        If three
        or more Certificateholders (a) request such information in writing from the
        Trustee, (b) state that such Certificateholders desire to communicate with
        other Certificateholders with respect to their rights under this Agreement
        or
        under the related Certificates, and (c) provide a copy of the communication
        which such Certificateholders propose to transmit, or if the Depositor, the
        Certificate Insurer, the Master Servicer or the related Servicer shall request
        such information in writing from the Trustee, then the Trustee shall, within
        ten
        Business Days after the receipt of such request, provide the Depositor, the
        Certificate Insurer, the Master Servicer, the related Servicer or such
        Certificateholders at such recipients’ expense the most recent list of the
        Certificateholders of such Trust Fund held by the Trustee, if any. The Depositor
        and every Certificateholder, by receiving and holding a Certificate, agree
        that
        the Trustee shall not be held accountable by reason of the disclosure of
        any
        such information as to the list of the Certificateholders hereunder, regardless
        of the source from which such information was derived.

       

      Section
        5.06  Maintenance
        of Office or Agency.
        The
        Trustee will maintain or cause to be maintained at its expense an office
        or
        offices or agency or agencies in the United States where Certificates may
        be
        surrendered for registration of transfer or exchange. The Trustee initially
        designates the offices of its agent for such purposes, located at DB Services
        Tennessee, 648 Grassmere Park Road, Nashville, Tennessee 37211-3658, Attention:
        Transfer Unit. The Trustee will give prompt written notice to the
        Certificateholders of any change in such location of any such office or
        agency.

       

       

       

      ARTICLE
        VI

       

      THE
        DEPOSITOR AND THE ServicerS

       

      Section
        6.01  Respective
        Liabilities of the Depositor and the Servicers.
        The
        Depositor and the Servicers shall each be liable in accordance herewith only
        to
        the extent of the obligations specifically and respectively imposed upon
        and
        undertaken by them herein.

       

      Section
        6.02  Merger
        or Consolidation of the Depositor or the Servicers.
        The
        Depositor and the Servicers will each keep in full effect its existence,
        rights
        and franchises as a corporation, national banking association, federally
        chartered savings bank, limited liability company or limited partnership
        as the
        case may be, under the laws of the United States or under the laws of one
        of the
        states thereof and will each obtain and preserve its qualification to do
        business as a foreign corporation, limited liability company or limited
        partnership, as applicable, in each jurisdiction in which such qualification
        is
        or shall be necessary to protect the validity and enforceability of this
        Agreement, or any of the related Mortgage Loans and to perform its respective
        duties under this Agreement.

       

      Any
        Person into which the Depositor or each of the Servicer may be merged or
        consolidated, or any Person resulting from any merger or consolidation to
        which
        the Depositor or each Servicer shall be a party, or any Person succeeding
        to the
        business of the Depositor or such Servicer, shall be the successor of the
        Depositor or such Servicer, as the case may be, hereunder, without the execution
        or filing of any paper or any further act on the part of any of the parties
        hereto, anything herein to the contrary notwithstanding; provided, however,
        that
        the successor or surviving Person to the related
        Servicer
        shall be qualified to sell mortgage loans to, and to service mortgage loans
        on
        behalf of, Fannie Mae or Freddie Mac, and meets the requirements of Section
        7.02, and provided, further, that such merger, consolidation or succession
        does
        not adversely affect the then current rating or ratings on the Offered
        Certificates (which, with respect to the Class A-1 Certificates, shall be
        without giving effect to the Policy).

       

      Section
        6.03  Limitation
        on Liability of the Depositor, the Servicers and Others.
        Neither
        the Depositor, the Servicers nor any of their respective directors, officers,
        employees or agents shall be under any liability to the Trust Fund or the
        related Certificateholders for any action taken or for refraining from the
        taking of any action in good faith pursuant to this Agreement, or for errors
        in
        judgment; provided, however, that this provision shall not protect the
        Depositor, the Servicers or any such Person against any breach of
        representations or warranties made by it herein or protect the Depositor,
        the
        Servicers or any such Person from any liability which would otherwise be
        imposed
        by reasons of willful misfeasance, bad faith or negligence (or gross negligence
        in the case of the Depositor) in the performance of duties or by reason of
        reckless disregard of obligations and duties hereunder. The Depositor, the
        Servicers and any director, officer, employee or agent of the Depositor or
        the
        related Servicer may rely in good faith on any document of any kind prima
        facie
        properly executed and submitted by any Person respecting any matters arising
        hereunder. The Depositor, the Servicers and any director, officer, employee,
        Affiliate or agent of the Depositor or the related Servicer shall be indemnified
        by the Trust Fund and held harmless against any loss, liability or expense
        incurred in connection with any audit, controversy or judicial proceeding
        relating to a governmental taxing authority or any legal action relating
        to this
        Agreement or the Certificates or any other unanticipated or extraordinary
        expense, other than any loss, liability or expense incurred by reason of
        willful
        misfeasance, bad faith or negligence (or gross negligence in the case of
        the
        Depositor) in the performance of duties hereunder or by reason of reckless
        disregard of obligations and duties hereunder. Neither the Depositor nor
        each of
        the Servicers shall be under any obligation to appear in, prosecute or defend
        any legal action that is not incidental to its respective duties hereunder
        and
        which in its opinion may involve it in any expense or liability; provided,
        however, that each of the Depositor and each of the Servicers may in its
        discretion undertake any such action (or direct the Trustee to undertake
        such
        actions pursuant to Section 2.03 for the benefit of the Certificateholders
        and the Certificate Insurer) that it may deem necessary or desirable in respect
        of this Agreement and the rights and duties of the parties hereto and interests
        of the Trustee, the Certificate Insurer and the Certificateholders hereunder.
        In
        such event, the legal expenses and costs of such action and any liability
        resulting therefrom shall be expenses, costs and liabilities of the Trust
        Fund,
        and the Depositor, and each of the Servicers shall be entitled to be reimbursed
        therefor out of the related Collection Account.

       

      Section
        6.04  Limitation
        on Resignation of the Related Servicer.
        

       

      (a)  None
        of
        the Servicers shall assign this Agreement or resign from the obligations
        and
        duties hereby imposed on it except (i) by mutual consent of the related
        Servicer, the Depositor, the Trustee, the Certificate Insurer and the Master
        Servicer or (ii) upon the determination that its duties hereunder are no
        longer permissible under applicable law and such incapacity cannot be cured
        by
        the related Servicer. Any such determination permitting the resignation of
        the
        related Servicer under clause (ii) above shall be evidenced by an Opinion
        of
        Counsel to such effect delivered to the Depositor, the Trustee, the Certificate
        Insurer and the Master Servicer, which Opinion of Counsel shall be in form
        and
        substance acceptable to the Depositor, the Trustee, the Certificate Insurer
        and
        the Master Servicer. No such resignation shall become effective until a
        successor shall have assumed the related Servicer’s responsibilities and
        obligations hereunder.

       

      (b)  Notwithstanding
        the foregoing, at the request of (i) the Servicing Rights Owner with respect
        to
        SLS, or (ii) the Servicing Rights Pledgee in the event that the Servicing
        Rights
        Owner has pledged its servicing rights pursuant to Subsection (c) below,
        SLS
        shall resign upon the selection and appointment of a successor Servicer (the
        “SLS Successor Servicer”) by the Servicing Rights Owner or the Servicing Rights
        Pledgee, respectively, with the prior written consent of the Certificate
        Insurer, which consent shall not be unreasonably withheld; provided that
        (1) the
        SLS Successor Servicer as so designated: (a) accepts in writing such assignment
        and delegation and assumes the obligations of SLS as Servicer hereunder;
        (b)
        shall be a Person which shall be qualified to service mortgage loans for
        Fannie
        Mae and Freddie Mac; (c) shall have a net worth of not less than $30,000,000;
        and (d) shall execute and deliver to the Trustee and the Certificate Insurer
        an
        agreement, in form and substance reasonably satisfactory to the Trustee and
        the
        Certificate Insurer, which contains an assumption by such Person of the due
        and
        punctual performance and observance of each covenant and condition to be
        performed or observed by it as servicer under this Agreement and any custodial
        agreement from and after the effective date of such agreement and (2) each
        Rating Agency shall be given prior written notice of the identity of the
        SLS
        Successor Servicer and each Rating Agency’s rating of the Certificates in effect
        immediately prior to such assignment, sale and delegation will not be
        downgraded, qualified or withdrawn (without the taking into account the Policy)
        as a result of such assignment, sale and delegation, as evidenced by a letter
        to
        such effect delivered to the SLS Successor Servicer, the Certificate Insurer
        and
        the Trustee.

       

      (c)  With
        respect to SLS, the Servicing Rights Owner is hereby authorized to finance,
        pledge and/or assign any or all of its right, title and interest in, to and
        under this Agreement to one or more lenders (each a “Servicing Rights Pledgee”)
        selected by the Servicing Rights Owner. The Master Servicer, the Certificate
        Insurer and the Depositor hereby (i) consent, and hereby direct the Trustee
        to
        consent, to any such financing, pledge and/or assignment (without the need
        for
        the delivery of any notice or other communication to the Master Servicer
        or the
        Trustee, or for the execution by the Master Servicer or the Trustee of any
        agreement or other document or instrument, other than this Agreement), and
        (ii)
        agree that upon delivery by the Servicing Rights Pledgee to the Master Servicer
        and the Certificate Insurer of a letter signed by the Servicing Rights Pledgee
        (without further need for the delivery of any notice or other communication
        to
        the Master Servicer, or for the execution by the Master Servicer of any
        agreement or other document or instrument in addition to this Agreement),
        the
        Master Servicer shall appoint the Servicing Rights Pledgee or its designee
        as
        successor Servicer, provided that at the time of such appointment, the Servicing
        Rights Pledgee or such designee meets the requirements of the SLS Successor
        Servicer set forth in Subsection (b) above, is approved by the Certificate
        Insurer, which approval shall not be unreasonably withheld, and agrees to
        be
        subject to the terms of this Agreement. For the avoidance of doubt, the
        Servicing Rights Pledgee or its designee (as the case may be) shall not be
        otherwise required to satisfy any other eligibility requirements of a successor
        Servicer except as set forth in Subsection (b) above. Upon such appointment,
        such Servicing Rights Pledgee or its designee will become a Servicer pursuant
        to
        the terms of this Agreement.

       

      Section
        6.05  Additional
        Indemnification by the Servicers; Third Party Claims. 

       

      (a)  Each
        Servicer shall, subject to the limitations of Section 6.03, indemnify the
        Depositor (and any Affiliate, director, officer, employee or agent of the
        Depositor), the Trustee, the Certificate Insurer and the Master Servicer,
        and
        hold each of them harmless against any and all claims, losses, damages,
        penalties, fines, forfeitures, reasonable and necessary legal fees and related
        costs, judgments, and any other costs, fees and expenses that any of them
        actually sustains in any way related to (i) any breach by the related
        Servicer of its representations and warranties referred to in
        Section 2.03(a), (ii) any error in any tax or information return
        prepared by the related Servicer, or (iii) the failure of the related
        Servicer to perform its duties and service the related Mortgage Loans in
        compliance with the terms of this Agreement. The related Servicer immediately
        shall notify the Depositor, the Trustee, the Certificate Insurer and the
        Master
        Servicer, if such claim is made by a third party with respect to this Agreement
        or the related Mortgage Loans, assume (with the prior written consent of
        the
        Depositor, the Trustee, the Certificate Insurer and the Master Servicer)
        the
        defense of any such claim and pay all expenses in connection therewith,
        including reasonable counsel fees, and promptly pay, discharge and satisfy
        any
        judgment or decree which may be entered against it or the Depositor, the
        Trustee, the Certificate Insurer, or the Master Servicer, in respect of such
        claim.
        This
        indemnity shall survive the termination of this Agreement or the earlier
        resignation or removal of the related Servicer.

       

      (b)  Notwithstanding
        anything to the contrary contained in this Agreement, each Servicer shall
        indemnify the Depositor (and any Affiliate, director, officer, employee or
        agent
        of the Depositor), the Trustee, the Certificate Insurer and the Master Servicer,
        and hold them harmless against any and all claims, economic losses, damages,
        penalties, fines, forfeitures, reasonable and necessary legal fees and related
        costs, judgments, and any other related costs, fees and expenses that any
        of
        them actually sustains in any way related to any failure by the related Servicer
        or any Subservicer engaged by such Servicer or any subcontractor utilized
        by
        such Servicer to deliver any information, report, certification or accountants’
letter when and as required under Sections 3.22, 3.23, 6.02 or 8.12, as
        applicable, including without limitation any failure by such Servicer to
        identify pursuant to Section 3.02(e) any subcontractor “participating in
        the servicing function” within the meaning of Item 1122 of
        Regulation AB.

       

      (c)  If
        the
        indemnification provided for in this Section 6.05 is unavailable or
        insufficient to hold harmless any Person entitled to indemnification thereunder,
        then the related Servicer shall contribute to the amount paid or payable
        to the
        party to be indemnified as a result of the losses, claims, damages or
        liabilities of such Person in such proportion as is appropriate to reflect
        the
        relative fault of such Person, on the one hand, and such Servicer, on the
        other,
        in connection with a breach of such Servicer’s obligations pursuant to this
        Section 6.05. This Section 6.05 shall survive the termination of this
        Agreement or the earlier resignation or removal of the Servicer.

       

       

       

      ARTICLE
        VII

       

      DEFAULT

       

      Section
        7.01  Events
        of Default.“Event
        of
        Default,” wherever used herein with respect to the related Servicer, means any
        one of the following events:

       

      (a)  any
        failure by the related Servicer to remit to the Master Servicer or Trustee,
        as
        applicable, any payment required to be made under the terms of this Agreement
        which continues unremedied for a period of one Business Day after the date
        upon
        which written notice of such failure, requiring the same to be remedied,
        shall
        have been given to the related Servicer by the Depositor, or by the Trustee,
        or
        the Master Servicer, or to the related Servicer, the Depositor and the Trustee
        by the
        Certificate Insurer (or if the Policy is no longer outstanding in accordance
        with its terms, the
        Certificateholders entitled to at least 25% of the Voting Rights);
        or

       

      (b)  the
        failure on the part of the related Servicer duly to observe or perform in
        any
        material respect any other of the covenants or agreements on the part of
        the
        related Servicer set forth in this Agreement, which continues unremedied
        for a
        period of thirty days (except that such number of days shall be ten in the
        case
        of a failure to observe or perform any of the obligations set forth in Sections
        3.22, 3.23 or 8.12) after the earlier of (i) the date on which written
        notice of such failure, requiring the same to be remedied, shall have been
        given
        to the related Servicer by the Depositor or by the Trustee or the Master
        Servicer, or to the related Servicer, the Depositor, the Master Servicer
        and the
        Trustee by the Certificate Insurer (or if the Policy is no longer outstanding
        in
        accordance with its terms, the Certificateholders of Certificates entitled
        to at
        least 25% of the Voting Rights), and (ii) actual knowledge of such failure
        by a Servicing Officer of the related Servicer; provided, however, that (except
        with respect to the parenthetical above) in the case of a failure or breach
        that
        cannot be cured within 30 days after notice or actual knowledge by the related
        Servicer, the cure period may be extended for an additional 30 days upon
        delivery by the related Servicer to the Trustee, the Certificate Insurer
        and the
        Master Servicer, of a certificate to the effect that the related Servicer
        believes in good faith that the failure or breach can be cured within such
        additional time period and the related Servicer is diligently pursuing remedial
        action; or

       

      (c)  a
        decree
        or order of a court or agency or supervisory authority having jurisdiction
        for
        the appointment of a conservator or receiver or liquidator in any insolvency,
        bankruptcy, readjustment of debt, marshalling of assets and liabilities or
        similar proceedings, or for the winding-up or liquidation of its affairs,
        shall
        have been entered against the related Servicer and such decree or order shall
        have remained in force undischarged or unstayed for a period of sixty days;
        or

       

      (d)  the
        related Servicer shall consent to the appointment of a conservator or receiver
        or liquidator in any insolvency, bankruptcy, readjustment of debt, marshalling
        of assets and liabilities or similar proceedings of or relating to such Servicer
        or of or relating to all or substantially all of its property; or

       

      (e)  the
        related Servicer shall admit in writing its inability to pay its debts generally
        as they become due, file a petition to take advantage of any applicable
        insolvency or reorganization statute, make an assignment for the benefit
        of its
        creditors, or voluntarily suspend payment of its obligations;

       

      (f)  any
        failure of the related Servicer to make any P&I Advance on any Servicer
        Remittance Date required to be made from its own funds pursuant to
        Section 4.01 which continues unremedied for one Business Day immediately
        following the Servicer Remittance Date; or

       

      (g)  the
        related Servicer attempts to assign its right to servicing compensation under
        this Agreement or it attempts, without the consent of the Depositor and the
        Certificate Insurer to sell or otherwise dispose of all or a portion of its
        servicing responsibilities under this Agreement, except for an assignment
        in
        connection with a transfer of substantially all of its assets and the transferee
        has an equal or stronger rating by any Rating Agency; or

       

      (h)  a
        breach
        of any representation and warranty of the related Servicer referred to in
        Section 2.03(a), which materially and adversely affects the interests of
        the Certificateholders or the Certificate Insurer and which continues unremedied
        for a period of thirty days after the date upon which written notice of such
        breach is given to the related Servicer by the Trustee, the Master Servicer
        or
        by the Depositor, as applicable, or to the related Servicer, the Trustee,
        the
        Master Servicer and the Depositor by the Certificate Insurer (or if the Policy
        is no longer outstanding in accordance with its terms, the Certificateholders
        entitled to at least 25% of the Voting Rights); or

       

      (i)  any
        reduction, withdrawal or qualification of the servicer rating of the related
        Servicer by any rating agency which results in the inability of such Servicer
        to
        act as a primary or special servicer for any mortgage-backed or asset-backed
        transaction rated or to be rated by any rating agency; or

       

      (j)  with
        respect to Ocwen, if a Servicer Cumulative Loss Trigger occurs; or

       

      (k)  with
        respect to Ocwen, if a Servicer Delinquency Trigger occurs; or

       

      (l)  with
        respect to Ocwen, Moody’s reduces its servicer rating to “SQ4” or lower or
        Standard & Poor’s reduces its servicer ratings to “below average” or lower.;
        or

       

      (m)  with
        respect to SLS, Moody’s reduces its servicer rating of SLS below “SQ3-”,
        Standard & Poor’s reduces its servicer rating of SLS below “average” or
        Fitch reduces its servicer rating of SLS below “RPS3-”.

       

      If
        an
        Event of Default described in clauses (a) through (m) of this Section 7.01
        shall occur, then, and in each and every such case, so long as such Event
        of
        Default shall not have been remedied, the Master Servicer may, or at the
        direction of the Certificate Insurer (or if the Policy is no longer outstanding
        in accordance with its terms, the holders of the related Certificates entitled
        to a majority of the Voting Rights) shall, by notice in writing to the related
        Servicer (with a copy to each Rating Agency), terminate all of the rights
        and
        obligations of the related Servicer under this Agreement and in and to the
        related Mortgage Loans and the proceeds thereof, other than its rights as
        a
        Certificateholder hereunder; provided, however, that the Master Servicer
        shall
        not be required to give written notice to the related Servicer of the occurrence
        of an Event of Default described in clauses (b) through (m) of this
        Section 7.01 unless and until a Responsible Officer of the Master Servicer
        has actual knowledge of the occurrence of such an Event of Default. In the
        event
        that a Responsible Officer of the Master Servicer has actual knowledge of
        the
        occurrence of an Event of Default described in clause (a) of this
        Section 7.01, the Master Servicer shall give written notice to the related
        Servicer of the occurrence of such an event within one Business Day of the
        first
        day on which such Responsible Officer obtains actual knowledge of such
        occurrence; provided that failure to give such notice shall not constitute
        a
        waiver of such Event of Default. The Master Servicer, upon a Responsible
        Officer
        having actual knowledge of such default, shall deliver a written notice to
        the
        related Servicer, the Trustee and the Certificate Insurer, of the default
        on any
        Servicer Remittance Date on which such Servicer fails to make any deposit
        or
        payment required pursuant to this Agreement (including, but not limited to
        Advances, to the extent required by this Agreement); provided, however, that
        if
        an Event of Default occurs due to the failure of the related Servicer to
        make an
        Advance to the extent required, the Master Servicer under Section 7.02, as
        successor servicer, or another successor servicer shall, prior to the next
        Distribution Date, immediately make such Advance. Any such notice to the
        related
        Servicer shall also be given to each Rating Agency and the Depositor.
        Notwithstanding any other provision of this Agreement, any cure by a Servicer
        with respect to clauses (a) or (f) of this Section 7.01 shall be effective
        only if taken no later than noon Eastern time on the Business Day immediately
        following (i) with respect to clause (a) of this Section 7.01,
        the date of written notice to the related Servicer, or (ii) with respect to
        clause (f) of this Section 7.01, the related Servicer Remittance Date.

       

      Subject
        to the last paragraph of this Section 7.01, on and after the receipt by the
        related Servicer of such written notice, all authority and power of the related
        Servicer hereunder, whether with respect to the related Mortgage Loans or
        otherwise, shall pass to and be vested in the Master Servicer. The Master
        Servicer is hereby authorized and empowered to execute and deliver, on behalf
        of
        the related Servicer, as attorney-in-fact or otherwise, any and all documents
        and other instruments, and to do or accomplish all other acts or things
        necessary or appropriate to effect the purposes of such notice of termination,
        whether to complete the transfer and endorsement or assignment of the related
        Mortgage Loans and related documents, or otherwise. Unless expressly provided
        in
        such written notice, no such termination shall affect any obligation of the
        related Servicer to pay amounts owed pursuant to Article VIII. The related
        Servicer agrees to cooperate with the Master Servicer in effecting the
        termination of the related Servicer’s responsibilities and rights hereunder,
        including, without limitation, the transfer to the Master Servicer of all
        cash
        amounts which shall at the time be credited to the related Collection Account
        of
        the predecessor servicer, or thereafter be received with respect to the related
        Mortgage Loans.

       

      The
        termination of a Servicer with respect to the Mortgage Loans shall not affect
        any obligation of the other Servicers with respect to the Mortgage Loans
        serviced by such Servicers.

       

      Notwithstanding
        any termination of the activities of the related Servicer hereunder, such
        Servicer shall be entitled to receive from the Trust Fund, prior to transfer
        of
        its servicing obligations hereunder, payment of all accrued and unpaid portion
        of the related Servicing Fees to which such Servicer would have been entitled
        and to continue to receive reimbursement for all outstanding P&I Advances
        and Servicing Advances, including Servicing Advances incurred prior to but
        not
        invoiced until after the date of termination, in accordance with the terms
        of
        this Agreement. In addition, the related Servicer shall continue to be entitled
        to the benefits of Section 6.03, notwithstanding any termination hereunder,
        with respect to events occurring prior to such termination.

       

      In
        the
        event of a Servicer Event of Default with respect to SLS, notwithstanding
        anything to the contrary herein, the Master Servicer, the Trustee, the
        Certificate Insurer and the Depositor hereby agree that upon delivery to
        the
        Master Servicer, the Trustee and the Certificate Insurer by the Servicing
        Rights
        Pledgee of a letter signed by the Servicing Rights Pledgee within thirty
        (30)
        days of when SLS provides the Servicing Rights Pledgee notice of such Servicer
        Event of Default for SLS and upon receipt of a certificate from the Servicing
        Rights Pledgee that it or its designee meets the requirements of the SLS
        Successor Servicer set forth in Section 6.04(b) (with a copy to the Trustee),
        the Master Servicer shall appoint the Servicing Rights Pledgee or its designee
        as the SLS Successor Servicer to SLS. The transfer of servicing to the SLS
        Successor Servicer shall be subject to the transition provision in Section
        7.02.
        For the avoidance of doubt, the Servicing Rights Pledgee or such designee
        (as
        the case my be) shall not be otherwise required to satisfy any other eligibility
        requirements except as set forth in Section 6.04(b). In the event that the
        Servicing Rights Pledgee does not deliver to the Trustee, the Master Servicer
        and the Certificate Insurer the letter described in this paragraph within
        the 30
        day period referred to in this paragraph and the SLS Successor Servicer is
        not
        appointed pursuant to this paragraph, then, the provisions of Section 7.02
        shall
        otherwise be applicable in which the Master Servicer shall appoint or become
        the
        successor servicer to SLS. During such 30-day period, the Master Servicer
        shall
        serve as the SLS Successor Servicer and shall be responsible to make all
        P&I
        Advances and Servicing Advances during such period.

       

      Section
        7.02  Master
        Servicer to Act; Appointment of Successor Servicer.
        On and
        after the time the Master Servicer gives, and the related Servicer receives
        a
        notice of termination pursuant to Section 7.01, the Master Servicer, or, in
        the case of SLS only, the Servicing Rights Pledgee pursuant to the last
        paragraph of Section 7.01, subject to and to the extent provided in
        Sections 3.06 and 7.03, and the rights of the Master Servicer, shall
        appoint a successor servicer or become the successor to the related Servicer
        in
        its capacity as servicer under this Agreement and the transactions set forth
        or
        provided for herein (including in the case of the Servicing Rights Pledgee,
        the
        SLS Successor Servicer) and shall as such successor servicer immediately
        assume
        all of the obligations of the related Servicer to make P&I Advances and
        Servicing Advances as successor servicer and shall assume and be subject
        to all
        the other responsibilities, duties and liabilities relating thereto placed
        on
        the related Servicer by the terms and provisions hereof and applicable law
        as
        soon as practicable but in no event later than 90 days after the receipt
        by the
        related Servicer of the notice of termination pursuant to Section 7.01. As
        compensation therefor, such successor servicer or the Master Servicer, as
        applicable, shall be entitled to all funds relating to the related Mortgage
        Loans that the related Servicer would have been entitled to charge to its
        Collection Account if such Servicer had continued to act hereunder including,
        if
        the related Servicer was receiving the related Servicing Fee, such Servicing
        Fee
        and the income on investments or gain related to the related Collection Account
        (in addition to income on investments or gain related to the Master Servicer
        Collection Account for the benefit of the Master Servicer as provided herein).
        Notwithstanding the foregoing, if the Master Servicer has become the successor
        to the related Servicer in accordance with Sections 7.01 and 7.02, the
        Master Servicer may, if it shall be unwilling to so act, or shall, if it
        is
        prohibited by applicable law from making P&I Advances and Servicing Advances
        pursuant to Section 4.01 or if it is otherwise unable to so act, or, at the
        written request of the Certificate Insurer (or if thePolicy is no longer
        outstanding in accordance with its terms, the Certificateholders entitled
        to a
        majority of the Voting Rights), appoint, or petition a court of competent
        jurisdiction to appoint, any established mortgage loan servicing institution
        the
        appointment of which does not adversely affect the then current rating of
        the
        related Certificates by each Rating Agency (which, with respect to the Class
        A-1
        Certificates, shall be without giving effect to the Policy), as the successor
        to
        the related Servicer hereunder in the assumption of all or any part of the
        responsibilities, duties or liabilities of the related Servicer hereunder.
        Except for the appointment of an SLS Successor Servicer in accordance with
        Section 6.04(b), no such appointment of a successor to the related Servicer
        hereunder shall be effective until the Depositor and the Certificate Insurer
        shall have consented thereto. Any successor to the related Servicer shall
        be an
        institution which is a Fannie Mae- and Freddie Mac-approved seller/servicer
        in
        good standing, which has a net worth of at least $30,000,000, which is willing
        to service the related Mortgage Loans and which executes and delivers to
        the
        Depositor, the Trustee, the Certificate Insurer and the Master Servicer an
        agreement accepting such delegation and assignment, containing an assumption
        by
        such Person of the rights, powers, duties, responsibilities, obligations
        and
        liabilities of the terminated Servicer (other than liabilities of the terminated
        Servicer under Section 6.03 incurred prior to termination of the related
        Servicer under Section 7.01), with like effect as if originally named as a
        party to this Agreement; provided, that each Rating Agency acknowledges that
        its
        rating of the related Certificates in effect immediately prior to such
        assignment and delegation will not be qualified or reduced, as a result of
        such
        assignment and delegation (which, with respect to the Class A-1 Certificates,
        shall be without giving effect to the Policy). Pending appointment of a
        successor servicer to the related Servicer hereunder, the Master Servicer,
        unless the Master Servicer is prohibited by law from so acting, shall, subject
        to Section 3.05, act in such capacity as hereinabove provided. In
        connection with such appointment and assumption, the Master Servicer may
        make
        such arrangements for the compensation of such successor servicer out of
        payments on related Mortgage Loans as it, the Depositor and such successor
        shall
        agree; provided, however, that no such compensation shall be in excess of
        the
        related Servicing Fee and amounts paid to the predecessor servicer from
        investments. The Master Servicer and such successor servicer shall take such
        action, consistent with this Agreement, as shall be necessary to effectuate
        any
        such succession. Neither the Master Servicer nor any other successor servicer
        shall be deemed to be in default hereunder by reason of any failure to make,
        or
        any delay in making, any distribution hereunder or any portion thereof or
        any
        failure to perform, or any delay in performing, any duties or responsibilities
        hereunder, in either case caused by the failure of the predecessor servicer
        to
        deliver or provide, or any delay in delivering or providing, any cash,
        information, documents or records to it.

       

      In
        the
        event that the related Servicer is terminated pursuant to Section 7.01, the
        terminated Servicer shall provide notices to the Mortgagors, transfer the
        related Servicing Files to a successor servicer and pay all of its own
        out-of-pocket costs and expenses related to such obligations. In addition,
        all
        Servicing Transfer Costs incurred by parties other than the terminated Servicer
        shall be paid by the successor servicer (in which case the successor servicer
        shall be entitled to reimbursement therefor from the Trust Fund as Servicing
        Advances or if the successor servicer fails to pay, the Master Servicer pays
        such amounts from the Trust Fund). If the Master Servicer is the predecessor
        servicer (except in the case where the Master Servicer in its role as successor
        servicer is being terminated pursuant to Section 7.01 by reason of an Event
        of
        Default caused solely by the Master Servicer as the successor servicer and
        not
        by the predecessor servicer’s actions or omissions), such costs shall be paid by
        the successor servicer (in which case the successor servicer shall be entitled
        to reimbursement therefor from the Trust Fund as Servicing Advances or if
        the
        successor servicer fails to pay, the Master Servicer pays such amounts from
        the
        Trust Fund) promptly upon presentation of reasonable documentation of such
        costs.

       

      Any
        successor to the related Servicer as servicer shall give notice to the
        Mortgagors of such change of servicer, in accordance with applicable federal
        and
        state law, and shall, during the term of its service as servicer, maintain
        in
        force the policy or policies that the related Servicer is required to maintain
        pursuant to Section 3.13.

       

      Any
        such
        successor servicer shall be required to satisfy the requirements of a successor
        servicer under this Section 7.02.

       

      Section
        7.03  Notification
        to Certificateholders.
        (a)
        Upon any
        termination of or appointment of a successor to the related Servicer, the
        Master
        Servicer shall give prompt written notice thereof to the Trustee and the
        Trustee
        shall give prompt written notice thereof to Certificateholders, the Certificate
        Insurer and to each Rating Agency.

       

      (b)  Within
        60
        days after the occurrence of any
        Event
        of Default,
        the
        Master Servicer shall give prompt written notice thereof to the Trustee and
        the
        Trustee shall transmit by mail to all Certificateholders and each Rating
        Agency
        notice of each such Event of Default hereunder known to the Trustee, unless
        such
        Event of Default shall have been cured or waived. The Master Servicer shall
        give
        prompt written notice to the Certificate Insurer and the Trustee of any Event
        of
        Default.

       

       

       

      ARTICLE
        VIII

       

      CONCERNING
        THE TRUSTEE

       

      Section
        8.01  Duties
        of the Trustee.
        The
        Trustee, before the occurrence of an Event of Default or a Master Servicer
        Event
        of Default and after the curing of all Events of Default and Master Servicer
        Events of Default that may have occurred, shall undertake to perform such
        duties
        and only such duties as are specifically set forth in this Agreement. In
        case an
        Event of Default or a Master Servicer Event of Default has occurred and remains
        uncured, the Trustee shall exercise such of the rights and powers vested
        in it
        by this Agreement, and use the same degree of care and skill in their exercise
        as a prudent person would exercise or use under the circumstances in the
        conduct
        of such person’s own affairs.

       

      The
        Trustee, upon receipt of all resolutions, certificates, statements, opinions,
        reports, documents, orders or other instruments furnished to the Trustee
        that
        are specifically required to be furnished pursuant to any provision of this
        Agreement shall examine them to determine whether they are in the form required
        by this Agreement. The Trustee shall not be responsible for the accuracy
        or
        content of any resolution, certificate, statement, opinion, report, document,
        order, or other instrument.

       

      No
        provision of this Agreement shall be construed to relieve the Trustee from
        liability for its own negligent action, its own negligent failure to act
        or its
        own bad faith or willful misfeasance.

       

      Unless
        an
        Event of Default or a Master Servicer Event of Default known to the Trustee
        has
        occurred and is continuing,

       

      (a)  the
        duties and obligations of the Trustee shall be determined solely by the express
        provisions of this Agreement, the Trustee shall not be liable except for
        the
        performance of the duties and obligations specifically set forth in this
        Agreement, no implied covenants or obligations shall be read into this Agreement
        against the Trustee, and the Trustee may conclusively rely, as to the truth
        of
        the statements and the correctness of the opinions expressed therein, upon
        any
        certificates or opinions furnished to the Trustee and conforming to the
        requirements of this Agreement which it believed in good faith to be genuine
        and
        to have been duly executed by the proper authorities respecting any matters
        arising hereunder;

       

      (b)  the
        Trustee shall not be liable for an error of judgment made in good faith by
        a
        Responsible Officer or Responsible Officers of the Trustee, unless it is
        finally
        proven that the Trustee was negligent in ascertaining the pertinent facts;
        and

       

      (c)  the
        Trustee shall not be liable with respect to any action taken, suffered, or
        omitted to be taken by it in good faith in accordance with the direction
        of the
        Certificate Insurer (or if the Policy is no longer outstanding in accordance
        with its terms, the Holders of Certificates evidencing not less than 25%
        of the
        related Voting Rights), relating to the time, method, and place of conducting
        any proceeding for any remedy available to the Trustee, or exercising any
        trust
        or power conferred upon the Trustee under this Agreement.

       

      Section
        8.02  Certain
        Matters Affecting the Trustee and the Custodian.
        Except
        as otherwise provided in Section 8.01:

       

      (a)  each
        of
        the Trustee and the Custodian may request and rely upon and shall be protected
        in acting or refraining from acting upon any resolution, Officer’s Certificate,
        certificate of auditors or any other certificate, statement, instrument,
        opinion, report, notice, request, consent, order, appraisal, bond or other
        paper
        or document believed by it to be genuine and to have been signed or presented
        by
        the proper party or parties and neither the Trustee nor the Custodian shall
        have
        any responsibility to ascertain or confirm the genuineness of any signature
        of
        any such party or parties;

       

      (b)  each
        of
        the Trustee and the Custodian may consult with counsel, financial advisers
        or
        accountants and the advice of any such counsel, financial advisers or
        accountants and any Opinion of Counsel shall be full and complete authorization
        and protection in respect of any action taken or suffered or omitted by it
        hereunder in good faith and in accordance with such Opinion of
        Counsel;

       

      (c)  neither
        the Trustee nor the Custodian shall be liable for any action taken, suffered
        or
        omitted by it in good faith and believed by it to be authorized or within
        the
        discretion or rights or powers conferred upon it by this Agreement;

       

      (d)  the
        Trustee shall not be bound to make any investigation into the facts or matters
        stated in any resolution, certificate, statement, instrument, opinion, report,
        notice, request, consent, order, approval, bond or other paper or document,
        unless requested in writing to do so by the Certificate Insurer (or if the
        Policy is no longer outstanding in accordance with its terms, the Holders
        of
        Certificates evidencing not less than 25% of the Voting Rights);

       

      (e)  the
        Trustee may execute any of the trusts or powers hereunder or perform any
        duties
        hereunder either directly or by or through agents, accountants or attorneys
        and
        the Trustee shall not be responsible for any misconduct or negligence on
        the
        part of any agents, accountants or attorneys appointed with due care by it
        hereunder; provided that the Trustee shall not be responsible for any act
        or
        omission of the Custodian;

       

      (f)  neither
        the Trustee nor the Custodian shall be required to risk or expend its own
        funds
        or otherwise incur any financial liability in the performance of any of its
        duties or in the exercise of any of its rights or powers hereunder if it
        shall
        have reasonable grounds for believing that repayment of such funds or adequate
        indemnity against such risk or liability is not assured to it;

       

      (g)  the
        Trustee shall not be liable for any loss on any investment of funds pursuant
        to
        this Agreement (other than as issuer of the investment security and except
        with
        respect to the investment of funds in the related Distribution Account not
        made
        at the direction of the Depositor during the Trustee Float Period);

       

      (h)  the
        Trustee shall not be deemed to have knowledge of an Event of Default or a
        Master
        Servicer Event of Default until a Responsible Officer of the Trustee shall
        have
        received written notice thereof except as otherwise provided in
        Section 7.01;

       

      (i)  the
        Trustee shall be under no obligation to exercise any of the trusts, rights
        or
        powers vested in it by this Agreement or to institute, conduct or defend
        any
        litigation hereunder or in relation hereto at the request, order or direction
        of
        any of the Certificateholders pursuant to this Agreement, unless such
        Certificateholders shall have offered to the Trustee reasonable security
        or
        indemnity satisfactory to the Trustee against the costs, expenses and
        liabilities which may be incurred therein or thereby;

       

      (j)  the
        Trustee shall remit the Custodian Fee to the Custodian pursuant to a separate
        agreement; and

       

      (k)  in
        no
        event shall the Trustee or its directors, affiliates, officers, agents and
        employees be held liable for any special, indirect or consequential damages
        resulting from any action taken or omitted to be taken by it or other hereunder
        or in connection herewith even if advised of the possibility of such
        damages.

       

      Section
        8.03  Trustee
        Not Liable for Certificates or Mortgage Loans.
        The
        recitals contained herein and in the Certificates shall be taken as the
        statements of the Depositor and the Trustee assumes no responsibility for
        their
        correctness. The Trustee makes no representations as to the validity or
        sufficiency of this Agreement or of the Certificates or of any Mortgage Loan
        or
        related document other than with respect to the Trustee’s execution and
        authentication of the Certificates. The Trustee shall not be accountable
        for the
        use or application by the Depositor, the Master Servicer or the related Servicer
        of any funds paid to the Depositor, the Master Servicer or the related Servicer
        in respect of the related Mortgage Loans or deposited in or withdrawn from
        the
        related Collection Account or the Master Servicer Collection Account by the
        Depositor, the Master Servicer or the related Servicer.

       

      The
        Trustee shall have no responsibility for filing or recording any financing
        or
        continuation statement in any public office at any time or to otherwise perfect
        or maintain the perfection of any security interest or lien granted to it
        hereunder (unless the Trustee shall have become the successor
        servicer).

       

      The
        Trustee executes the Certificates not in its individual capacity but solely
        as
        Trustee of the Trust Fund created by this Agreement, in the exercise of the
        powers and authority conferred and vested in it by this Agreement. Each of
        the
        undertakings and agreements made on the part of the Trustee on behalf of
        the
        Trust Fund in the Certificates is made and intended not as a personal
        undertaking or agreement by the Trustee but is made and intended for the
        purpose
        of binding only the Trust Fund.

       

      Section
        8.04  Trustee
        May Own Certificates.
        The
        Trustee in its individual or any other capacity may become the owner or pledgee
        of Certificates with the same rights as it would have if it were not the
        Trustee.

       

      Section
        8.05  Trustee’s
        Fees and Expenses.
        As
        compensation for its activities under this Agreement, the Trustee may withdraw
        from the related Distribution Account on each Distribution Date any interest
        or
        investment income earned on funds deposited in the related Distribution Account
        during the Trustee Float Period. The Trustee, the Custodian and any director,
        officer, employee, or agent of the Trustee and the Custodian shall be
        indemnified by the Trust Fund and held harmless against any loss, liability,
        or
        expense (including reasonable attorneys’ fees) incurred in connection with any
        claim or legal action relating to:

       

      (a)  this
        Agreement,

       

      (b)  the
        Certificates, or

       

      (c)  the
        performance of any of the Trustee’s or the Custodian’s duties under this
        Agreement, other than any loss, liability, or expense (i) resulting from
        any breach of the related Servicer’s obligations in connection with this
        Agreement for which the related Servicer has performed its obligation to
        indemnify the Trustee pursuant to Section 6.05, (ii) resulting from
        any breach of the related Responsible Party’s obligations in connection with the
        related Responsible Party Agreements for which such Responsible Party has
        performed its obligation to indemnify the Trustee pursuant to the related
        Responsible Party Agreements, or (iii) incurred because of willful
        misfeasance, bad faith, or negligence in the performance of any of the Trustee’s
        duties under this Agreement. 

       

      This
        indemnity shall survive the termination of this Agreement or the resignation
        or
        removal of the Trustee under this Agreement. Without limiting the foregoing,
        except as otherwise agreed upon in writing by the Depositor and the Trustee,
        and
        except for any expense, disbursement, or advance arising from the Trustee’s
        negligence, bad faith, or willful misfeasance, the Trust Fund shall pay or
        reimburse the Trustee, for all reasonable expenses, disbursements, and advances
        incurred or made by the Trustee in accordance with this Agreement with respect
        to:

       

      (A) the
        reasonable compensation, expenses, and disbursements of its counsel not
        associated with the closing of the issuance of the Certificates;

       

      (B) the
        reasonable compensation, expenses, and disbursements of any accountant,
        engineer, or appraiser that is not regularly employed by the Trustee, to
        the
        extent that the Trustee must engage them to perform services under this
        Agreement; and

       

      (C) printing
        and engraving expenses in connection with preparing any Definitive
        Certificates.

       

      Except
        as
        otherwise provided in this Agreement or a separate letter agreement between
        the
        Trustee and the Depositor, the Trustee shall not be entitled to payment or
        reimbursement for any routine ongoing expenses incurred by the Trustee in
        the
        ordinary course of its duties as Trustee, Registrar, or paying agent under
        this
        Agreement or for any other expenses.

       

      The
        Supplemental Interest Trust Trustee shall be entitled to all protections,
        immunities and indemnities afforded to the Trustee hereunder to the same
        and
        fullest extent.

       

      Section
        8.06  Eligibility
        Requirements for the Trustee.
        The
        Trustee hereunder shall at all times be a corporation or association organized
        and doing business under the laws of a state or the United States of America,
        authorized under such laws to exercise corporate trust powers, having a combined
        capital and surplus of at least $50,000,000, subject to supervision or
        examination by federal or state authority, acceptable to the Certificate
        Insurer
        and with a credit rating which would not cause any of the Rating Agencies
        to
        reduce their respective then current ratings of the Certificates (or having
        provided such security from time to time as is sufficient to avoid such
        reduction) as evidenced in writing by each Rating Agency (which, with respect
        to
        the Class A-1 Certificates, shall be without giving effect to the Policy).
        If
        such corporation or association publishes reports of condition at least
        annually, pursuant to law or to the requirements of the aforesaid supervising
        or
        examining authority, then for the purposes of this Section 8.06 the
        combined capital and surplus of such corporation or association shall be
        deemed
        to be its combined capital and surplus as set forth in its most recent report
        of
        condition so published. In case at any time the Trustee shall cease to be
        eligible in accordance with this Section 8.06, the Trustee shall resign
        immediately in the manner and with the effect specified in Section 8.07.
        The entity serving as Trustee may have normal banking and trust relationships
        with the Depositor and its affiliates, the Master Servicer and its affiliates,
        or the Servicers and their affiliates; provided, however, that such entity
        cannot be an affiliate of the Depositor or the related Servicer other than
        the
        Trustee in its role as successor to the Servicer or the Master Servicer,
        as
        applicable.

       

      Section
        8.07  Resignation
        and Removal of the Trustee.
        The
        Trustee may at any time resign and be discharged from the trusts hereby created
        by giving written notice of resignation to the Depositor, the Servicers,
        the
        Master Servicer, the Certificate Insurer and each Rating Agency not less
        than 60
        days before the date specified in such notice, when, subject to
        Section 8.08, such resignation is to take effect, and acceptance by a
        successor trustee in accordance with Section 8.08 meeting the
        qualifications set forth in Section 8.06. If no successor trustee meeting
        such qualifications shall have been so appointed and have accepted appointment
        within 30 days after the giving of such notice or resignation, the resigning
        Trustee may petition any court of competent jurisdiction for the appointment
        of
        a successor trustee.

       

      If
        at any
        time the Trustee shall cease to be eligible in accordance with Section 8.06
        and shall fail to resign after written request thereto by the Depositor or
        the
        Certificate Insurer, or if at any time the Trustee shall become incapable
        of
        acting, or shall be adjudged as bankrupt or insolvent, or a receiver of the
        Trustee or of its property shall be appointed, or any public officer shall
        take
        charge or control of the Trustee or of its property or affairs for the purpose
        of rehabilitation, conservation or liquidation, or a tax is imposed with
        respect
        to the Trust Fund by any state in which the Trustee or the Trust Fund is
        located
        and the imposition of such tax would be avoided by the appointment of a
        different trustee, then the Depositor, the Certificate Insurer, the Master
        Servicer or the Servicers may remove the Trustee and appoint a successor
        trustee
        by written instrument, one copy of which shall be delivered to the Trustee,
        one
        copy to the Certificate Insurer, one copy to the Master Servicer and one
        copy to
        each Servicer and one copy to the successor trustee.

       

      The
        Certificate Insurer (or if the Policy is no longer outstanding in accordance
        with its terms, the Holders of Certificates entitled to a majority of the
        Voting
        Rights) may at any time remove the Trustee and appoint a successor trustee
        by
        written instrument or instruments, in triplicate, signed by such Holders
        or
        their respective attorneys-in-fact duly authorized, one complete set of which
        shall be delivered by the successor trustee to the Servicer and the Master
        Servicer, one complete set to the Trustee so removed and one complete set
        to the
        successor so appointed. The successor trustee shall notify each Rating Agency
        of
        any removal of the Trustee.

       

      Any
        resignation or removal of the Trustee and appointment of a successor trustee
        pursuant to this Section 8.07 shall become effective upon acceptance of
        appointment by the successor trustee as provided in
        Section 8.08.

       

      Section
        8.08  Successor
        Trustee.
        Any
        successor trustee appointed as provided in Section 8.07 shall execute,
        acknowledge and deliver to the Depositor, the Certificate Insurer, its
        predecessor trustee and the Servicer or Master Servicer, an instrument accepting
        such appointment hereunder and thereupon the resignation or removal of the
        predecessor trustee shall become effective and such successor trustee, without
        any further act, deed or conveyance, shall become fully vested with all the
        rights, powers, duties and obligations of its predecessor hereunder, with
        the
        like effect as if originally named as trustee herein. The Depositor, the
        Servicer or the Master Servicer, as applicable, and the predecessor trustee
        shall execute and deliver such instruments and do such other things as may
        reasonably be required for more fully and certainly vesting and confirming
        in
        the successor trustee all such rights, powers, duties, and
        obligations.

       

      No
        successor trustee shall accept appointment as provided in this Section 8.08
        unless at the time of its acceptance, the successor trustee is eligible under
        Section 8.06 and its appointment does not adversely affect the then current
        rating of the Certificates (which, with respect to the ClassA-1 Certificates,
        shall be without giving effect to the Policy).

       

      Upon
        acceptance of appointment by a successor trustee as provided in this
        Section 8.08, the Depositor shall mail notice of the succession of such
        trustee hereunder to all Holders of Certificates. If the Depositor fails
        to mail
        such notice within 10 days after acceptance of appointment by the successor
        trustee, the successor trustee shall cause such notice to be mailed at the
        expense of the Depositor.

       

      Section
        8.09  Merger
        or Consolidation of the Trustee.
        Any
        corporation into which the Trustee may be merged or converted or with which
        it
        may be consolidated or any corporation resulting from any merger, conversion
        or
        consolidation to which the Trustee shall be a party, or any corporation
        succeeding to the business of the Trustee, shall be the successor of the
        Trustee
        hereunder; provided, that such corporation shall be eligible under
        Section 8.06 without the execution or filing of any paper or further act on
        the part of any of the parties hereto, anything herein to the contrary
        notwithstanding.

       

      Section
        8.10  Appointment
        of Co-Trustee or Separate Trustee.
        Notwithstanding any other provisions of this Agreement, at any time, for
        the
        purpose of meeting any legal requirements of any jurisdiction in which any
        part
        of the Trust Fund or property securing any Mortgage Note may at the time
        be
        located, each of the Servicers, the Master Servicer and the Trustee acting
        jointly shall have the power and shall execute and deliver all instruments
        to
        appoint one or more Persons approved by the Trustee to act as co-trustee
        or
        co-trustees jointly with the Trustee, or separate trustee or separate trustees,
        of all or any part of the Trust Fund, and to vest in such Person or Persons,
        in
        such capacity and for the benefit of the Certificateholders and the
        Certificate Insurer,
        such
        title to the Trust Fund or any part thereof, whichever is applicable, and,
        subject to the other provisions of this Section 8.10, such powers, duties,
        obligations, rights and trusts as the related Servicer or the Master Servicer,
        as applicable, and the Trustee may consider appropriate. If the Servicer
        or the
        Master Servicer, as applicable, shall not have joined in such appointment
        within
        15 days after the receipt by such Servicer or the Master Servicer of a request
        to do so, or in the case an Event of Default shall have occurred and be
        continuing, the Trustee alone shall have the power to make such appointment.
        No
        co-trustee or separate trustee hereunder shall be required to meet the terms
        of
        eligibility as a successor trustee under Section 8.06 and no notice to
        Certificateholders of the appointment of any co-trustee or separate trustee
        shall be required under Section 8.08.

       

      Every
        separate trustee and co-trustee shall, to the extent permitted by law, be
        appointed and act subject to the following provisions and
        conditions:

       

      (a)  To
        the
        extent necessary to effectuate the purposes of this Section 8.10, all
        rights, powers, duties and obligations conferred or imposed upon the Trustee,
        except for the obligation of the Trustee under this Agreement to advance
        funds
        on behalf of the related Servicer or the Master Servicer, shall be conferred
        or
        imposed upon and exercised or performed by the Trustee and such separate
        trustee
        or co-trustee jointly (it being understood that such separate trustee or
        co-trustee is not authorized to act separately without the Trustee joining
        in
        such act), except to the extent that under any law of any jurisdiction in
        which
        any particular act or acts are to be performed (whether as Trustee hereunder
        or
        as successor to the Servicer or the Master Servicer hereunder), the Trustee
        shall be incompetent or unqualified to perform such act or acts, in which
        event
        such rights, powers, duties and obligations (including the holding of title
        to
        the applicable Trust Fund or any portion thereof in any such jurisdiction)
        shall
        be exercised and performed singly by such separate trustee or co-trustee,
        but
        solely at the direction of the Trustee;

       

      (b)  No
        trustee hereunder shall be held personally liable because of any act or omission
        of any other trustee hereunder and such appointment shall not, and shall
        not be
        deemed to, constitute any such separate trustee or co-trustee as agent of
        the
        Trustee;

       

      (c)  The
        Trustee may at any time accept the resignation of or remove any separate
        trustee
        or co-trustee; and

       

      (d)  The
        Trust
        Fund, and not the Trustee, shall be liable for the payment of reasonable
        compensation, reimbursement and indemnification to any such separate trustee
        or
        co-trustee.

       

      Any
        notice, request or other writing given to the Trustee shall be deemed to
        have
        been given to each of the separate trustees and co-trustees, when and as
        effectively as if given to each of them. Every instrument appointing any
        separate trustee or co-trustee shall refer to this Agreement and the conditions
        of this Article VIII. Each separate trustee and co-trustee, upon its
        acceptance of the trusts conferred, shall be vested with the estates or property
        specified in its instrument of appointment, either jointly with the Trustee
        or
        separately, as may be provided therein, subject to all the provisions of
        this
        Agreement, specifically including every provision of this Agreement relating
        to
        the conduct of, affecting the liability of, or affording protection to, the
        Trustee. Every such instrument shall be filed with the Trustee and a copy
        thereof given to the Servicers, the Master Servicer, the Certificate Insurer
        and
        the Depositor.

       

      Any
        separate trustee or co-trustee may, at any time, constitute the Trustee its
        agent or attorney-in-fact, with full power and authority, to the extent not
        prohibited by law, to do any lawful act under or in respect of this Agreement
        on
        its behalf and in its name. If any separate trustee or co-trustee shall die,
        become incapable of acting, resign or be removed, all of its estates,
        properties, rights, remedies and trusts shall vest in and be exercised by
        the
        Trustee, to the extent permitted by law, without the appointment of a new
        or
        successor trustee.

       

      Section
        8.11  Tax
        Matters.
        It is
        intended that the assets with respect to which any REMIC election pertaining
        to
        the Trust Fund is to be made, as set forth in the Preliminary Statement,
        shall
        constitute, and that the conduct of matters relating to such assets shall
        be
        such as to qualify such assets as, a “real estate mortgage investment conduit”
as defined in and in accordance with the REMIC Provisions. In furtherance
        of
        such intention, the Trustee covenants and agrees that it shall act as agent
        (and
        the Trustee is hereby appointed to act as agent) on behalf of each Trust
        REMIC
        described in the Preliminary Statement and that in such capacity it
        shall:

       

      (a)  prepare
        and file in a timely manner, a U.S. Real Estate Mortgage Investment Conduit
        (REMIC) Income Tax Return (Form 1066 or any successor form adopted by the
        Internal Revenue Service) and prepare and file with the Internal Revenue
        Service
        and applicable state or local tax authorities income tax or information returns
        for each taxable year with respect to each Trust REMIC described in the
        Preliminary Statement containing such information and at the times and in
        the
        manner as may be required by the Code or state or local tax laws, regulations,
        or rules, and furnish to Certificateholders the schedules, statements or
        information at such times and in such manner as may be required
        thereby;

       

      (b)  within
        thirty days of the Closing Date, the Trustee will apply for an employer
        identification number from the Internal Revenue Service via Form SS-4 or
        any
        other acceptable method for all tax entities and shall also furnish to the
        Internal Revenue Service, on Form 8811 or as otherwise may be required by
        the
        Code, the name, title, address, and telephone number of the person that the
        Holders of the Certificates may contact for tax information relating thereto,
        together with such additional information as may be required by such Form,
        and
        update such information at the time or times in the manner required by the
        Code;

       

      (c)  make
        an
        election that each REMIC be treated as a REMIC on the federal tax return
        for its
        first taxable year (and, if necessary, under applicable state law);

       

      (d)  prepare
        and forward to the Certificateholders and to the Internal Revenue Service
        and,
        if necessary, state tax authorities, all information returns and reports
        as and
        when required to be provided to them in accordance with the REMIC Provisions,
        including the calculation of any original issue discount using the prepayment
        assumption (as described in the Prospectus Supplement);

       

      (e)  provide
        information necessary for the computation of tax imposed on the transfer
        of a
        Residual Certificate to a Person that is not a Permitted Transferee (a
“Non-Permitted Transferee”), or an agent (including a broker, nominee or other
        middleman) of a Non-Permitted Transferee, or a pass-through entity in which
        a
        Non-Permitted Transferee is the record holder of an interest (the reasonable
        cost of computing and furnishing such information may be charged to the Person
        liable for such tax);

       

      (f)  to
        the
        extent that they are under its control, conduct matters relating to such
        assets
        at all times that any Certificates are outstanding so as to maintain the
        status
        of each Trust REMIC as a REMIC under the REMIC Provisions;

       

      (g)  not
        knowingly or intentionally take any action or omit to take any action that
        would
        cause the termination of the REMIC status of any REMIC created
        hereunder;

       

      (h)  pay,
        from
        the sources specified in the second to last paragraph of this Section 8.11,
        the amount of any federal or state tax, including prohibited transaction
        taxes
        as described below, imposed on any Trust REMIC before its termination when
        and
        as the same shall be due and payable (but such obligation shall not prevent
        the
        Trustee or any other appropriate Person from contesting any such tax in
        appropriate proceedings and shall not prevent the Trustee from withholding
        payment of such tax, if permitted by law, pending the outcome of such
        proceedings);

       

      (i)  cause
        federal, state or local income tax or information returns to be signed by
        the
        Trustee or such other person as may be required to sign such returns by the
        Code
        or state or local laws, regulations or rules;

       

      (j)  maintain
        records relating to each of the Trust REMICs, including the income, expenses,
        assets, and liabilities thereof on a calendar year basis and on the accrual
        method of accounting and the fair market value and adjusted basis of the
        assets
        determined at such intervals as may be required by the Code, as may be necessary
        to prepare the foregoing returns, schedules, statements or information;
        and

       

      (k)  as
        and
        when necessary and appropriate, represent any Trust REMIC in any administrative
        or judicial proceedings relating to an examination or audit by any governmental
        taxing authority, request an administrative adjustment as to any taxable
        year of
        any Trust REMIC, enter into settlement agreements with any governmental taxing
        agency, extend any statute of limitations relating to any tax item of any
        Trust
        REMIC, and otherwise act on behalf of each Trust REMIC in relation to any
        tax
        matter or controversy involving it.

       

      The
        Trustee shall not treat the rights of the Class P Certificateholders to receive
        Prepayment Premiums, the rights of the Class X Certificateholders to receive
        amounts from the Excess Reserve Fund Account (subject to the obligation to
        pay
        Basis Risk Carry Forward Amounts) and, if applicable, the Supplemental Interest
        Trust Account, and the rights of the Certificateholders to receive Basis
        Risk
        Carry Forward Amounts as obligations of any Trust REMIC created hereunder,
        for
        federal income tax purposes.

       

      To
        enable
        the Trustee to perform its duties under this Agreement, the Depositor shall
        provide to the Trustee within ten days after the Closing Date all information
        or
        data that the Trustee requests in writing and determines to be relevant for
        tax
        purposes to the valuations and offering prices of the Certificates, including
        the price, yield, prepayment assumption, and projected cash flows of the
        Certificates and the Mortgage Loans. Moreover, the Depositor shall provide
        information to the Trustee concerning the value, if any, to each Class of
        Offered Certificates of the right to receive Basis Risk Carry Forward Amounts
        from the Excess Reserve Fund Account. Unless otherwise advised by the Depositor
        in writing, for federal income tax purposes, the Trustee is hereby directed
        to
        assign a value of zero to the right of each Holder of an Offered Certificate
        to
        receive the related Basis Risk Carry Forward Amount for purposes of allocating
        the purchase price of such Offered Certificate acquired by an initial Holder
        thereof between such right and the related REMIC IV Regular Certificate.
        Thereafter, the Depositor shall provide to the Trustee promptly upon written
        request therefor any additional information or data that the Trustee may,
        from
        time to time, reasonably request to enable the Trustee to perform its duties
        under this Agreement. The Depositor hereby indemnifies the Trustee for any
        losses, liabilities, damages, claims, or expenses of the Trustee arising
        from
        any errors or miscalculations of the Trustee that result from any failure
        of the
        Depositor to provide, or to cause to be provided, accurate information or
        data
        to the Trustee on a timely basis.

       

      If
        any
        tax is imposed on “prohibited transactions” of any Trust REMIC as defined in
        Section 860F(a)(2) of the Code, on the “net income from foreclosure
        property” of REMIC I-A as defined in Section 860G(c) of the Code, on any
        contribution to either Trust REMIC after the Start-up Day pursuant to
        Section 860G(d) of the Code, or any other tax is imposed, including, if
        applicable, any minimum tax imposed on any Trust REMIC pursuant to
        Sections 23153 and 24874 of the California Revenue and Taxation Code, if
        not paid as otherwise provided for herein, the tax shall be paid by (i) the
        Trustee or the Master Servicer, respectively, if such tax arises out of or
        results from negligence of the Trustee or the Master Servicer, as applicable,
        in
        the performance of any of its obligations under this Agreement, (ii) the
        related Servicer, in the case of any such minimum tax, and otherwise if such
        tax
        arises out of or results from a breach by the related Servicer of any of
        its
        obligations under this Agreement, or (iii) the Purchaser, if such tax
        arises out of or results from the Purchaser’s obligation to repurchase a
        Mortgage Loan pursuant to Section 2.03, or (iv) in all other cases, or if
        the Trustee, the Purchaser, the Master Servicer or the related Servicer fails
        to
        honor its respective obligations under the preceding clause (i), (ii) or
        (iii) any such tax will be paid with amounts otherwise to be distributed
        to the
        Certificateholders, as provided in Section 4.02.

       

      For
        as
        long as each Trust REMIC shall exist, the Trustee shall act in accordance
        with
        this Agreement and shall comply with any directions of the Depositor or the
        related Servicer as provided herein so as to assure such continuing treatment.
        The Trustee shall not (a) sell or permit the sale of all or any portion of
        the Mortgage Loans unless pursuant to a repurchase in accordance with this
        Agreement, or of any investment of deposits in an Account, and (b) accept
        any contribution to any Trust REMIC after the Startup Day without receipt
        of a
        REMIC Opinion.

       

      Section
        8.12  Periodic
        Filings.
        This
        Section 8.12 shall only be applicable to the Offered Certificates. The Trustee,
        the Servicers and the Master Servicer shall reasonably cooperate with the
        Depositor in connection with the Trust’s satisfying the reporting requirements
        under the Exchange Act.

       

      (a)  (i)
        Within 15 days after each Distribution Date, the Trustee shall, in accordance
        with industry standards, file with the Commission via the Electronic Data
        Gathering and Retrieval System (“EDGAR”), a Distribution Report on Form 10-D,
        signed by the Depositor, with a copy of the monthly statement to be furnished
        by
        the Trustee to the Certificateholders for such Distribution Date. Any disclosure
        in addition to the monthly statement required to be included on the Form
        10-D
        (“Additional Form 10-D Disclosure”) shall be determined and prepared by the
        entity that is indicated in Exhibit S as the responsible party for providing
        that information, if other than the Trustee and provided to the Trustee in
        EDGAR-compatible form at the email address set forth in Section 10.05 using
        Exhibit V, and the Trustee will have no duty or liability to verify the accuracy
        or sufficiency of any such Additional Form 10-D Disclosure and the Trustee
        shall
        have no liability with respect to any failure to properly prepare or file
        such
        Form 10-D resulting from or relating to the Trustee’s inability or failure to
        obtain any information in a timely manner from the party responsible for
        delivery of such Additional Form 10-D Disclosure. As used in this Agreement,
        EDGAR-compatible form means an electronic information storage format acceptable
        to the Trustee and the party providing such information.

       

      Within
        5
        calendar days after the related Determination Date, each entity that is
        indicated in Exhibit S as the responsible party for providing Additional
        Form
        10-D Disclosure shall be required to provide to the Trustee and the Depositor,
        to the extent known, clearly identifying which item of Form 10-D the information
        relates to, any Additional Form 10-D Disclosure, if applicable. The Trustee
        shall compile the information provided to it, prepare the Form 10-D and forward
        the Form 10-D to the Depositor for verification. The Depositor will approve,
        as
        to form and substance, or disapprove, as the case may be, the Form 10-D.
        No
        later than three Business Days prior to the 15th calendar day after the related
        Distribution Date, an officer of the Depositor shall sign the Form 10-D and
        return an electronic or fax copy of such signed Form 10-D (with an original
        executed hard copy to follow by overnight mail) to the Trustee.

       

      (ii)  Within
        four (4) Business Days after the occurrence of an event requiring disclosure
        on
        Form 8-K (each such event, a “Reportable Event”), the Depositor shall prepare
        and file any Form 8-K, as required by the Exchange Act, in addition to the
        initial Form 8-K in connection with the issuance of the Certificates. Any
        disclosure or information related to a Reportable Event or that is otherwise
        required to be included on Form 8-K (“Form 8-K Disclosure Information”) shall be
        determined and prepared by the entity that is indicated in Exhibit S as the
        responsible party for providing that information.

       

      For
        so
        long as the Trust is subject to the Exchange Act reporting requirements,
        no
        later than the end of business on the second Business Day after the occurrence
        of a Reportable Event, the entity that is indicated in Exhibit S as the
        responsible party for providing Form 8-K Disclosure Information shall be
        required to provide to the Depositor, to the extent known, the form and
        substance of any Form 8-K Disclosure Information, if applicable. The Depositor
        shall compile the information provided to it, and prepare and file the Form
        8-K,
        which shall be signed by an officer of the Depositor.

       

      (iii)  Prior
        to
        January 30 of the first year in which the Trustee is able to do so under
        applicable law, the Trustee shall, in accordance with industry standards,
        file a
        Form 15 Suspension Notice with respect to the Trust Fund, if applicable.
        Prior
        to (x) March 15, 2008 and (y) unless and until a Form 15 Suspension Notice
        shall
        have been filed, prior to March 15 of each year thereafter, each Servicer
        and
        the Master Servicer shall provide the Trustee and the Certificate Insurer
        with
        an Annual Compliance Statement, together with a copy of the Assessment of
        Compliance and Attestation Report to be delivered by each Servicer and the
        Master Servicer pursuant to Sections 3.22 and 3.23 (including with respect
        to
        any Subservicer or subcontractor, if required to be filed). Prior to (x)
        March
        31, 2008 and (y) unless and until a Form 15 Suspension Notice shall have
        been
        filed, March 31 of each year thereafter, the Trustee shall file a Form 10-K,
        in
        substance as required by applicable law or applicable Securities and Exchange
        Commission staff’s interpretations and conforming to industry standards, with
        respect to the Trust Fund. Such Form 10-K shall include the Assessments of
        Compliance, Attestation Reports, Annual Compliance Statements and other
        documentation provided by the Servicers and the Master Servicer pursuant
        to
        Sections 3.22 and 3.23 (including with respect to any Subservicer or
        subcontractor, if required to be filed) and Section 3.23 with respect to
        the
        Trustee and the Custodian, and the Form 10-K certification in the form attached
        hereto as Exhibit M (the “Certification”) signed by the senior officer of the
        Depositor in charge of securitization. The Trustee shall receive the items
        described in the preceding sentence no later than March 15 of each calendar
        year
        prior to the filing deadline for the Form 10-K.

       

      Any
        disclosure or information in addition to that described in the preceding
        paragraph that is required to be included on Form 10-K (“Additional Form 10-K
        Disclosure”) shall be determined and prepared by the entity that is indicated in
        Exhibit S as the responsible party for providing that information, if other
        than
        the Trustee and provided to the Trustee in EDGAR-compatible form at the email
        address set forth in Section 10.05 using Exhibit V, and the Trustee will
        have no
        duty or liability to verify the accuracy or sufficiency of any such Additional
        Form 10-K Disclosure.

       

      If
        information, data and exhibits to be included in the Form 10-K are not so
        timely
        delivered, the Trustee shall file an amended Form 10-K including such
        documents as exhibits reasonably promptly after they are delivered to the
        Trustee. The Trustee shall have no liability with respect to any failure
        to
        properly prepare or file such periodic reports resulting from or relating
        to the
        Trustee’s inability or failure to timely obtain any information from any other
        party.

       

      Prior
        to
        (x) March 10, 2008 and (y) unless and until a Form 15 Suspension Notice shall
        have been filed, prior to March 1 of each year thereafter, each entity that
        is
        indicated in Exhibit S as the responsible party for providing Additional
        Form
        10-K Disclosure shall be required to provide to the Trustee and the Depositor,
        to the extent known, the form and substance of any Additional Form 10-K
        Disclosure Information, if applicable. The Trustee shall compile the information
        provided to it, prepare the Form 10-K and forward the Form 10-K to the Depositor
        for verification. The Depositor will approve, as to form and substance, or
        disapprove, as the case may be, the Form 10-K by no later than March 25 of
        the
        relevant year (or the immediately preceding Business Day if March 25 is not
        a
        Business Day), an officer of the Depositor shall sign the Form 10-K and return
        an electronic or fax copy of such signed Form 10-K (with an original executed
        hard copy to follow by overnight mail) to the Trustee.

       

      Each
        Servicer shall be responsible for determining the pool concentration applicable
        to any Subservicer to which such Servicer delegated any of its responsibilities
        with respect to the related Mortgage Loans at any time, for purposes of
        disclosure as required by Items 1117 and 1119 of Regulation AB. The Trustee
        will
        provide electronic or paper copies of all Form 10-D, 8-K and 10-K filings
        free
        of charge to any Certificateholder upon request. Any expenses incurred by
        the
        Trustee in connection with the previous sentence shall be reimbursable to
        the
        Trustee out of the Trust Fund.

       

      (b)  The
        Trustee shall sign a certification (in the form attached hereto as
        Exhibit N) for the benefit of the Depositor and its officers, directors and
        Affiliates in respect of items 1 through 3 of the Certification (provided,
        however, that the Trustee shall not undertake an analysis of the Attestation
        Report attached as an exhibit to the Form 10-K), and each Servicer shall
        sign a
        certification solely with respect to such Servicer (in the form attached
        hereto
        as Exhibit O-1) and the Master Servicer shall sign a certification solely
        with respect to the Master Servicer (in the form attached hereto as Exhibit
        O-2)
        for the benefit of the Depositor, the Trustee and each Person, if any, who
        “controls” the Depositor or the Trustee within the meaning of the Securities Act
        of 1933, as amended, and their respective officers and directors in respect
        of
        items 4 and 5 of the Certification. Each such certification shall be delivered
        to the Depositor and the Trustee by March 20th of each year (or if not a
        Business Day, the immediately preceding Business Day). The Certification
        attached hereto as Exhibit M shall be delivered to the Trustee by March
        25th for filing on or prior to March 30th of each year (or if not a Business
        Day, the immediately preceding Business Day).

       

      The
        Trustee shall indemnify the Depositor and its officers and directors from
        and
        against any losses, damages, penalties, fines, forfeitures, reasonable and
        necessary legal fees and related costs, judgments and other costs and expenses
        arising out of or based upon (i) the failure to deliver its Assessment of
        Compliance as required by the last paragraph of Section 3.23, (ii) any material
        misstatement or omission in the Certification made in reliance on any material
        misstatement or omission contained in the certification provided by the Trustee
        in the form of Exhibit N or in the Assessment of Compliance provided pursuant
        to
        Section 3.23 or (iii) the failure to timely file any Form 10-D or Form 10-K
        as
        required hereunder; provided that the Trustee shall have no liability with
        respect to any failure to timely file any Form 10-D or Form 10-K resulting
        from
        or relating to the Trustee’s inability or failure to obtain any information from
        a party other than itself. The Trustee shall not, and shall have no obligation
        to, indemnify for failure of its accountants to timely deliver the accountants’
attestation required by Section 3.23. Notwithstanding the foregoing, in no
        event
        shall the Trustee be held liable for any special, indirect, incidental, punitive
        or consequential damages resulting from any action taken or omitted to be
        taken
        by it under Section 3.23.

       

      Each
        Servicer and the Master Servicer shall indemnify and hold harmless the
        Depositor, the Trustee and each Person, if any, who “controls” the Depositor or
        the Trustee within the meaning of the Securities Act of 1933, as amended,
        and
        their respective officers and directors from and against any losses, damages,
        penalties, fines, forfeitures, reasonable and necessary legal fees and related
        costs, judgments and other costs and expenses arising out of or based upon
        (i) a
        breach of such Servicer’s or the Master Servicer’s obligations under this
        Section 8.12(b), Section 3.22 or Section 3.23 or (ii) any material
        misstatement or omission in the Certification made in reliance on any material
        misstatement contained in the certification provided by such Servicer or
        the
        Master Servicer in the form of Exhibit O-1 or O-2, as applicable, or in the
        Officer’s Certificate provided pursuant to Section 3.22 or the Assessment of
        Compliance provided pursuant to Section 3.23. Notwithstanding the foregoing,
        in
        no event shall a Servicer or the Master Servicer be held liable for any special,
        indirect, incidental, punitive or consequential damages resulting from any
        action taken or omitted to be taken by it under Section 3.23.

       

      If
        the
        indemnification provided for herein is unavailable or insufficient to hold
        harmless the indemnified party, then (i) the Trustee agrees in connection
        with (a) the failure to deliver its Assessment of Compliance as required
        by the
        last paragraph of Section 3.23, (b) any material misstatement or omission
        in the
        Certification made in reliance on any material misstatement or omission
        contained in the certification provided by the Trustee in the form of Exhibit
        N
        or in the Assessment of Compliance provided pursuant to Section 3.23 or (c)
        the
        failure to timely file any Form 10-D or Form 10-K as required hereunder;
        provided that the Trustee shall have no liability with respect to any failure
        to
        timely file any Form 10-D or Form 10-K resulting from or relating to the
        Trustee’s inability or failure to obtain any information from a party other than
        itself, that it shall contribute to the amount paid or payable by the Depositor
        as a result of the losses, claims, damages or liabilities of the Depositor
        in
        such proportion as is appropriate to reflect the relative fault of the Depositor
        on the one hand and the Trustee on the other and (ii) each Servicer and the
        Master Servicer agrees that it shall contribute to the amount paid or payable
        by
        the Depositor and/or the Trustee as a result of the losses, claims, damages
        or
        liabilities of the Depositor and/or the Trustee in such proportion as is
        appropriate to reflect the relative fault of the Depositor or the Trustee,
        as
        the case may be, on the one hand and such Servicer or the Master Servicer
        on the
        other in connection with (a) a breach of such Servicer’s or the Master
        Servicer’s, as applicable, obligations under this Section 8.12(b), Section
        3.22 or Section 3.23 or (b) any material misstatement or omission in the
        Certification made in reliance on any material misstatement contained in
        the
        certification provided by such Servicer in the form of Exhibit O-1 or the
        Master
        Servicer in the form of Exhibit O-2, or in the Officer’s Certificate provided
        pursuant to Section 3.22 or the Assessment of Compliance provided pursuant
        to
        Section 3.23.

       

      (c)  Upon
        any
        filing with the Securities and Exchange Commission, the Trustee shall promptly
        deliver to the Depositor a copy of any such executed report, statement or
        information.

       

      Section
        8.13  Tax
        Classification of the Excess Reserve Fund Account.
        For
        federal income tax purposes, the Trustee shall treat the Excess Reserve Fund
        Account as beneficially owned by the Holders of the Class X Certificates.
        The
        Trustee shall treat the rights that each Class of Certificates has to receive
        payments of Basis Risk Carry Forward Amounts from the Excess Reserve Fund
        Account as rights to receive payments under an interest rate cap contract
        written by the Class X Certificateholders in favor of each Class. Accordingly,
        each Class of Offered Certificates will be comprised of two components -
        a REMIC
        Regular Certificate and an interest in an interest rate cap contract, and
        the
        Class X Certificateholders will be comprised of two components - a REMIC
        Regular
        Certificate and ownership of the Excess Reserve Fund Account, subject to
        an
        obligation to pay Basis Risk Carry Forward Amounts. The Trustee shall allocate
        the issue price for a Class of related Certificates among the respective
        components for purposes of determining the issue price of the applicable
        REMIC
        Regular Certificates based on information received from the Depositor. Unless
        otherwise advised by the Depositor in writing, for federal income tax purposes,
        the Trustee is hereby directed to assign a value of zero to the right of
        each
        Holder of an Offered Certificate to receive the related Basis Risk Carry
        Forward
        Amount for purposes of allocating the purchase price of an initial Holder
        of an
        Offered Certificate between such right and the related REMIC Regular
        Certificate.

       

      Section
        8.14  Custodian
        Responsibilities. 

       

      (a)  The
        Custodian shall provide access to the Mortgage Loan Documents in possession
        of
        the Custodian regarding the related Mortgage Loans and REO Property and the
        servicing thereof to the Trustee, the Certificate Insurer, the
        Certificateholders, the FDIC, and the supervisory agents and examiners of
        the
        FDIC, such access being afforded only upon reasonable prior written request
        and
        during normal business hours at the office of the Custodian. The Custodian
        shall
        allow representatives of the above entities to photocopy any of the records
        and
        documentation and shall provide equipment for that purpose at the expense
        of the
        person requesting such access.

       

      (b)  The
        Custodian may resign from its obligations hereunder upon 60 days’ prior written
        notice to the Trustee, the Certificate Insurer, the Depositor, the Master
        Servicer and the Servicers. Such resignation shall take effect upon (i) the
        appointment of a successor Custodian reasonably acceptable to the Depositor
        and
        the Certificate Insurer within such 60 day period; and (ii) delivery of all
        Mortgage Loan Files to the successor Custodian. The Trustee shall have the
        right, but not the obligation, to become the successor Custodian. If no
        successor Custodian is appointed within 60 days after written notice of such
        Custodian’s resignation is received by the Trustee, the Custodian may petition a
        court of competent jurisdiction to appoint a successor Custodian.

       

      (c)  Upon
        such
        resignation and appointment of successor Custodian, the Custodian shall,
        at the
        Custodian’s expense, promptly transfer to the successor Custodian, as directed
        in writing by the Trustee, all applicable Mortgage Files being administered
        under this Agreement. Notwithstanding the foregoing, the Trust Fund, not
        the
        Custodian, shall bear the costs relating to the transfer of Mortgage Files
        if
        the Custodian shall resign with cause (including the Custodian’s resignation due
        to the failure of the Custodian to be paid all fees due to the Custodian
        hereunder).

       

      (d)  For
        so
        long as reports are required to be filed with the Commission under the Exchange
        Act with respect to the related portion of the Trust, the Custodian shall
        not
        utilize any subcontractor for the performance of its duties hereunder if
        such
        subcontractor would be “participating in the servicing function” within the
        meaning of Item 1122 of Regulation AB without the prior written consent of
        the
        Depositor, in its sole discretion. 

       

      (e)  The
        Custodian shall indemnify the Depositor, the Trustee, and their respective
        officers and directors against any and all claims, losses, damages, penalties,
        fines, forfeitures, reasonable and necessary legal fees and related costs,
        judgments, and any other costs, fees and expenses that any of them may sustain
        in any way related to (i) the failure of the Custodian to deliver when required
        any assessment of compliance or accountant’s attestation report required to be
        delivered by the Custodian or (ii) any material misstatement or omission
        contained in any assessment of compliance provided to be delivered by the
        Custodian. This indemnity shall survive the termination of this Agreement
        or the
        earlier resignation or removal of the Custodian.

       

      (f)  Notwithstanding
        anything in this Agreement to the contrary, the Custodian shall not be required
        to deliver, or to cause to be delivered, an assessment of compliance or
        accountant’s attestation report pursuant to Section 3.23 for any fiscal year of
        the Trust in which the Custodian’s Weighted Average Percentage is 5% or less.
        The “Custodian’s Weighted Average Percentage” means, for each fiscal year of the
        Trust and the Custodian, the quotient, expressed as a percentage, of (A)
        the
        aggregate of the Stated Principal Balance for each Distribution Date in such
        fiscal year of the Mortgage Loans for which the Custodian acted as custodian
        divided by (B) the aggregate of the Pool Stated Principal Balance of the
        Mortgage Loans for each Distribution Date in such fiscal year.

       

      Section
        8.15  Limitations
        on Custodial Responsibilities. 

       

      (a)  The
        Custodian shall be under no duty or obligation to inspect, review or examine
        the
        Mortgage Files to determine that the contents thereof are appropriate for
        the
        represented purpose or that they have been actually recorded or that they
        are
        other than what they purport to be on their face.

       

      (b)  The
        Custodian shall not be responsible for preparing or filing any reports or
        returns relating to federal, state or local income taxes with respect to
        this
        Agreement, other than for the Custodian's compensation or for reimbursement
        of
        expenses.

       

      (c)  The
        Custodian shall not be responsible or liable for, and makes no representation
        or
        warranty with respect to, the validity, adequacy or perfection or any lien
        upon
        or security interest in any Mortgage File.

       

      (d)  The
        duties and obligations of the Custodian shall only be such as are expressly
        set
        forth in this Agreement or as set forth in a written amendment to this Agreement
        executed by the parties hereto or their successors and assigns. In the event
        that any provision of this Agreement implies or requires that action or
        forbearance be taken by a party, but is silent as to which party has the
        duty to
        act or refrain from acting, the parties agree that the Custodian shall not
        be
        the party required to take the action or refrain from acting. In no event
        shall
        the Custodian have any responsibility to ascertain or take action except
        as
        expressly provided herein.

       

      (e)  The
        Custodian makes no representations and shall have no responsibilities (except
        as
        expressly set forth herein) as to the validity, sufficiency, value, genuineness,
        ownership or transferability of any of the Mortgage Loans, and shall not
        be
        required to and shall not make any representations as to the validity, value
        or
        genuineness of the Mortgage Loans.

       

      (f)  The
        Custodian shall not be liable for any error of judgment, or for any act done
        or
        step taken or omitted by it, in good faith, or for any mistake of fact or
        law,
        or for anything that it may do or refrain from doing in connection therewith,
        except in the case of its negligent performance or omission or its bad faith
        or
        willful misfeasance. 

       

      (g)  The
        Custodian shall not be responsible to verify (i) the validity, legality,
        enforceability, sufficiency, due authorization or genuineness of any document
        in
        the Mortgage File or of any Mortgage Loans or (ii) the collectibility,
        insurability, effectiveness including the authority or capacity of any Person
        to
        execute or issue any document in the Mortgage File, or suitability of any
        Mortgage Loans unless specified otherwise in this Agreement.

       

      (h)  The
        Custodian shall have no obligation to verify the receipt of any such documents
        the existence of which was not made known to the Custodian by receipt of
        the
        Mortgage File.

       

      (i)  The
        Custodian shall have no obligation to determine whether the recordation of
        any
        document is necessary.

       

      (j)  In
        no
        event shall the Custodian or its directors, affiliates, officers, agents,
        and
        employees be held liable for any special, indirect or consequential damages
        resulting from any action taken or omitted to be taken by it or them hereunder
        or in connection herewith even if advised of the possibility of such
        damages.

       

      (k)  Any
        Person into which the Custodian may be merged or consolidated, or any Person
        resulting from any merger or consolidation to which the Custodian shall be
        a
        party, or any person succeeding to the business of the Custodian, shall be
        the
        successor of the Custodian hereunder without the execution or filing of any
        paper or any further act on the part of any of the parties hereto anything
        herein to the contrary notwithstanding.

       

      Section
        8.16  Claims
        on the Policy; Policy Payments Account. 

       

      (a)  The
        Trustee shall establish the Policy
        Payments Account
        which
        shall be a segregated, non-interest bearing account. The Trustee shall deposit
        upon receipt any amount paid under the Policy in the Policy Payments Account
        and
        use that amount only to pay the Class A-1 Certificates the Regular Payments
        for
        which a claim was made. Such amount may not be applied to satisfy any costs,
        expenses, or liabilities of the Master Servicer, the Trustee or the Trust
        (other
        than payments of principal and interest on the Class A-1 Certificates). Amounts
        paid under the Policy, to the extent needed to pay any Regular Payments,
        shall
        be transferred to the Distribution Account on the related Distribution Date,
        and
        the portion thereof representing the Regular Payments shall be disbursed
        by the
        Trustee to the Holders of the Class A-1 Certificates, in each case as if
        it were
        a payment to such Certificateholders pursuant to Section 4.02(a). Payments
        from
        draws on the Policy need not be made by checks or wire transfers separate
        from
        the checks or wire transfers used to pay other payments to the Holders of
        the
        Class A-1 Certificates. However, the amount of any payment of principal of
        or
        interest on the Class A-1 Certificates to be paid from funds transferred
        from
        the Policy Payments Account shall be noted as provided in paragraph (d) below
        and in the statement to be furnished to Holders of the Certificates pursuant
        to
        Section 4.04. Funds held in the Policy Payments Account shall not be invested.
        Any funds remaining in the Policy Payments Account on the first Business
        Day
        following the later of the Distribution Date and the Business Day after the
        day
        on which a payment on the Policy has been paid to the Holders of the Class
        A-1
        Certificates shall be returned to the Certificate Insurer, pursuant to the
        instructions of the Certificate Insurer, by the end of the Business
        Day.

       

      (b)  If
        a
        payment is required to be made under the Policy with respect to a Distribution
        Date, the Trustee shall deliver a notice of claim and certificate (substantially
        in the form of the Notice of Claim and Certificate attached as Exhibit A
        to the
        Financial Guaranty Insurance Policy No. CIFG NA-1522) to the Certificate
        Insurer
        no later than 12:00 noon, New York, New York City time on the third Business
        Day
        preceding the Distribution Date. That notice of claim and certificate
        (substantially in the form of the Notice of Claim and Certificate attached
        as
        Exhibit A to the Financial Guaranty Insurance Policy No. CIFG NA-1522) shall
        constitute a claim for payment pursuant to the Policy.

       

      (c)  If
        the
        Trustee receives a certified copy of a final order of a court exercising
        jurisdiction in an insolvency proceeding (an “Order”) that any prior payment
        made on the Class A-1 Certificates constitutes a Preference Payment (as defined
        in the Policy), the Trustee shall notify the Certificate Insurer and comply
        with
        the Policy to obtain payment by the Certificate Insurer of the Preference
        Payment, and shall, at the time notice is provided to the Certificate Insurer,
        notify each Holder of the affected Certificates by mail that, subject to
        the
        terms of the Policy, the Certificate Insurer will disburse the Preference
        Payment directly to the receiver, conservator, debtor-in-possession, or trustee
        in bankruptcy named in the Order (unless a Holder of the Class A-1 Certificates
        has provided evidence satisfactory to the Certificate Insurer that it has
        previously paid such amount to the receiver, conservator, debtor-in-possession
        or trustee in bankruptcy named in the Order, in which case such payment shall
        be
        disbursed to the Trustee) by 12:00 noon, New York City time on the third
        Business Day following the delivery to the Certificate Insurer on behalf
        of the
        Certificateholder of (1) a certified copy of the Order to the effect that
        the
        Trustee or such Certificateholder, as applicable, is required to return such
        Preference Payment or portion thereof because such payment was avoided as
        a
        preferential transfer or otherwise rescinded or required to be restored by
        the
        Trustee, the Trust or the Certificateholder, (2) a certificate that the Order
        has been entered and is not subject to any stay, (3) an assignment, in form
        and
        substance satisfactory to the Certificate Insurer, irrevocably assigning
        to the
        Certificate Insurer all rights and claims of the Trustee, the Trust or the
        Certificateholder relating to or arising under the Insurance Agreement against
        the estate of the Trustee or otherwise with respect to such Preference Payment,
        and (4) a payment notice in the form of Exhibit A to the Policy appropriately
        completed and executed by the Trustee. If the documents are received after
        12:00
        noon, New York City time, on a Business Day, they will be considered received
        on
        the following Business Day.

       

      A
        copy of
        the Policy shall be made available to each affected Class A-1 Certificateholder
        through the Trustee, and the Trustee shall furnish to the Certificate Insurer
        a
        copy of its records evidencing the payments that have been made by the Trustee
        in respect of any Preference Amounts paid by the Certificate Insurer and
        the
        dates on which the payments were made.

       

      (d)  The
        Trustee shall keep a complete and accurate record of the amount of interest
        and
        principal paid on the Class A-1 Certificates from moneys received under the
        Policy. The Certificate Insurer may inspect the records at reasonable times
        during normal business hours on two Business Days’ notice to the
        Trustee.

       

      (e)  The
        Holders of the Class A-1 Certificates are not entitled to institute proceedings
        directly against the Certificate Insurer. Each Holder of the Class A-1
        Certificates, by its purchase of Class A-1 Certificates, agrees that the
        Certificate Insurer may at any time during the continuation of any proceeding
        relating to a Preference Payment, direct all matters relating to the Preference
        Payment on its behalf, including the direction of any appeal of any order
        relating to the preference claim and the posting of any surety, supersedeas,
        or
        performance bond pending any appeal.

       

      (f)  Any
        payments to the Certificate Insurer shall be made by wire transfer of
        immediately available funds to the following Federal Reserve Account (until
        the
        Certificate Insurer notifies the Trustee of a change in the account
        information):

       

      CIFG
        Assurance North America, Inc.

      JPMorgan
        Chase Bank

      ABA
        Number: 0210-0002-1

      For
        the
        account of Brown Brothers Harriman & Co.

      Account
        Number: 920-1-033231

      For
        further credit to account number: 2311694

       

      CIFG
        Assurance North America, Inc. (Premium Account)

       

      CIFG
        NA
        Policy Number: CIFG NA-1522

       

      (g)  The
        Trustee shall, upon retirement of the Class A-1 Certificates, furnish to
        the
        Certificate Insurer a notice of the retirement, and, after retirement of
        the
        Class A-1 Certificates and the expiration of the term of the Policy, surrender
        the Policy to the Certificate Insurer for cancellation.

       

      (h)  The
        Trustee shall hold the Policy in trust as agent for the Holders of the Class
        A-1
        Certificatesfor the purpose of making claims on the Policy and distributing
        the
        proceeds of claims on the Policy. Each Holder of the Class A-1 Certificates,
        by
        accepting its Class A-1 Certificates, irrevocably appoints the Trustee as
        attorney-in-fact to make claims on the Policy and to sign on its behalf any
        certification required with respect to any notice under the Policy. The Trustee
        shall surrender the Policy to the Certificate Insurer for cancellation upon
        the
        expiration of the term of the Policy following the retirement of the Class
        A-1
        Certificates.

       

      (i)  Anything
        in this Agreement to the contrary notwithstanding, any payment with respect
        to
        principal of or interest on the Class A-1 Certificates that is made with
        money
        received pursuant to the Policy shall not be considered payment of the
        Certificates by the Trust Fund. The Depositor, the Master Servicer and the
        Trustee acknowledge, and each Holder of the Class A-1 Certificates by its
        acceptance of the Class A-1 Certificates agrees that, without the need for
        any
        further action on the part of the Certificate Insurer, the Depositor, the
        Master
        Servicer or the Trustee:

       

      (i)  to
        the
        extent the Certificate Insurer makes payments, directly or indirectly, on
        account of principal of or interest on the Class A-1 Certificates to the
        related
        Certificateholders, the Certificate Insurer shall be fully subrogated to,
        and
        each such Certificateholder hereby delegates and assigns to the Certificate
        Insurer, to the fullest extent permitted by law, the rights of such
        Certificateholders to receive such principal and interest from the Trust,
        and

       

      (ii)  the
        Certificate Insurer shall be paid such amounts from the sources and in the
        manner provided in this Agreement for the payment of such amounts and as
        provided in this Agreement until full reimbursement of all Insured Payments
        (as
        defined in the Policy) and Preference Payments (together with interest thereon
        at the Late Payment Rate (as defined in the Policy) from the date paid by
        the
        Certificate Insurer until the date of their reimbursement). 

       

      The
        Trustee and the Master Servicer shall cooperate in all respects with any
        reasonable request by the Certificate Insurer for action to preserve or enforce
        the Certificate Insurer’s rights or interests under this Agreement (without
        limiting the rights or affecting the interests of the Holders of the Class
        A-1
        Certificates as otherwise provided in this Agreement).

       

       

      ARTICLE
        IX

       

      ADMINISTRATION
        OF THE MORTGAGE LOANS BY THE MASTER SERVICER

       

      Section
        9.01  Duties
        of the Master Servicer; Enforcement of Servicers’ Obligations.
        (a)  The
        Master Servicer, on behalf of the Trustee, the Depositor, the Custodian and
        the
        Certificateholders , shall monitor the performance of each Servicer’s
        obligations under this Agreement, and (except as set forth below) shall use
        its
        reasonable good faith efforts to cause each Servicer to duly and punctually
        perform its duties and obligations hereunder. Upon the occurrence of an Event
        of
        Default of which a Responsible Officer of the Master Servicer has actual
        knowledge, the Master Servicer shall promptly notify the Trustee and the
        Certificate Insurer and shall specify in such notice the action, if any,
        the
        Master Servicer plans to take in respect of such default. So long as an Event
        of
        Default shall occur and be continuing, the Master Servicer shall take the
        actions specified in Article VII. 

       

      If
        (i) a Servicer reports a delinquency on a monthly report and (ii) such
        Servicer, by 11 a.m. (New York Time) on the related Servicer Remittance Date,
        neither makes an Advance nor provides the Master Servicer with an Officer’s
        Certificate certifying that such an Advance would be a Nonrecoverable P&I
        Advance, then the Master Servicer shall deposit in the Distribution Account
        not
        later than the Business Day immediately preceding the related Distribution
        Date
        an Advance in an amount equal to the difference between (x) with respect to
        each Monthly Payment due on a Mortgage Loan that is delinquent (other than
        Relief Act Interest Shortfalls) and for which the related Servicer was required
        to make an Advance pursuant to this Agreement and (y) amounts deposited in
        the related Collection Account to be used for Advances with respect to such
        Mortgage Loan, except to the extent the Master Servicer determines any such
        Advance to be a Nonrecoverable P&I Advance. Subject to the foregoing and
        Section 7.02, the Master Servicer shall continue to make such Advances for
        so
        long as the related Servicer is required to do so under this Agreement. If
        applicable, on the Business Day immediately preceding the Distribution Date,
        the
        Master Servicer shall deliver an Officer’s Certificate to the Trustee stating
        that the Master Servicer elects not to make an Advance in a stated amount
        and
        detailing the reason(s) it deems the Advance to be a Nonrecoverable P&I
        Advance or Nonrecoverable Servicing Advance. Any amounts deposited by the
        Master
        Servicer pursuant to this Section 9.01 shall be net of the Servicing Fee
        for the
        related Mortgage Loans.

       

      (b)  The
        Master Servicer shall pay the costs of monitoring the Servicers as required
        hereunder (including costs associated with (i) termination of any Servicer,
        (ii) the appointment of a successor servicer or (iii) the transfer to
        and assumption of, the servicing by the Master Servicer) and shall, to the
        extent permitted hereunder, seek reimbursement therefor initially from the
        terminated Servicer. In the event the full costs associated with the transition
        of servicing responsibilities to the Master Servicer are not paid for by
        the
        predecessor or successor Servicer (provided such successor Servicer is not
        the
        Master Servicer), the Master Servicer may be reimbursed therefor by the related
        portion of the Trust for out-of-pocket costs incurred by the Master Servicer
        associated with any such transfer of servicing duties from the Servicer to
        the
        Master Servicer or any other successor servicer.

       

      (c)  If
        the
        Master Servicer assumes the servicing with respect to any of the Mortgage
        Loans,
        it will not assume liability for the representations and warranties of any
        Servicer it replaces or for any errors or omissions of such
        Servicer.

       

      (d)  The
        Depositor shall not consent to the assignment by any Servicer of such Servicer’s
        rights and obligations under this Agreement without the prior written consent
        of
        the Master Servicer and the Certificate Insurer, which consent shall not
        be
        unreasonably withheld.

       

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

       

      Section
        9.03  Representations
        and Warranties of the Master Servicer.
        (a)  The
        Master Servicer hereby represents and warrants to the Servicers, the Depositor,
        the Custodian, the Certificate Insurer and the Trustee, for the benefit of
        the
        Certificateholders , as of the Closing Date that:

       

       

      (i)  it
        is a
        national banking association validly existing and in good standing under
        the
        laws of the United States of America, and as Master Servicer has full power
        and
        authority to transact any and all business contemplated by this Agreement
        and to
        execute, deliver and comply with its obligations under the terms of this
        Agreement, the execution, delivery and performance of which have been duly
        authorized by all necessary corporate action on the part of the Master
        Servicer;

       

      (ii)  the
        execution and delivery of this Agreement by the Master Servicer and its
        performance and compliance with the terms of this Agreement will not
        (A) violate the Master Servicer’s charter or bylaws, (B) violate any
        law or regulation or any administrative decree or order to which it is subject
        or (C) constitute a default (or an event which, with notice or lapse of
        time, or both, would constitute a default) under, or result in the breach
        of,
        any material contract, agreement or other instrument to which the Master
        Servicer is a party or by which it is bound or to which any of its assets
        are
        subject, which violation, default or breach would materially and adversely
        affect the Master Servicer’s ability to perform its obligations under this
        Agreement;

       

      (iii)  this
        Agreement constitutes, assuming due authorization, execution and delivery
        hereof
        by the other respective parties hereto, a legal, valid and binding obligation
        of
        the Master Servicer, enforceable against it in accordance with the terms
        hereof,
        except as such enforcement may be limited by bankruptcy, insolvency,
        reorganization, moratorium and other laws affecting the enforcement of
        creditors’ rights in general, and by general equity principles (regardless of
        whether such enforcement is considered in a proceeding in equity or at
        law);

       

      (iv)  the
        Master Servicer is not in default with respect to any order or decree of
        any
        court or any order or regulation of any federal, state, municipal or
        governmental agency to the extent that any such default would materially
        and
        adversely affect its performance hereunder;

       

      (v)  the
        Master Servicer is not a party to or bound by any agreement or instrument
        or
        subject to any charter provision, bylaw or any other corporate restriction
        or
        any judgment, order, writ, injunction, decree, law or regulation that may
        materially and adversely affect its ability as Master Servicer to perform
        its
        obligations under this Agreement or that requires the consent of any third
        person to the execution of this Agreement or the performance by the Master
        Servicer of its obligations under this Agreement;

       

      (vi)  no
        litigation is pending or, to the best of the Master Servicer’s knowledge,
        threatened against the Master Servicer which would prohibit its entering
        into
        this Agreement or performing its obligations under this Agreement;

       

      (vii)  [Reserved];

       

      (viii)  no
        consent, approval, authorization or order of any court or governmental agency
        or
        body is required for the execution, delivery and performance by the Master
        Servicer of or compliance by the Master Servicer with this Agreement or the
        consummation of the transactions contemplated by this Agreement, except for
        such
        consents, approvals, authorizations and orders (if any) as have been obtained;
        and

       

      (ix)  the
        consummation of the transactions contemplated by this Agreement are in the
        ordinary course of business of the Master Servicer.

       

      (b)  It
        is
        understood and agreed that the representations and warranties set forth in
        this
        Section shall survive the execution and delivery of this Agreement. The Master
        Servicer shall indemnify the Servicers, the Depositor, the Trustee, the
        Certificate Insurer, the Custodian and the Trust and hold them harmless against
        any loss, damages, penalties, fines, forfeitures, reasonable legal fees and
        related costs, judgments, and other reasonable costs and expenses resulting
        from
        any claim, demand, defense or assertion based on or grounded upon, or resulting
        from, a material breach of the Master Servicer’s representations and warranties
        contained in Section 9.03(a) above. It is understood and agreed that the
        enforcement of the obligation of the Master Servicer set forth in this Section
        9.03 to indemnify the Servicers, the Depositor, the Custodian, the Trustee
        and
        the Trust constitutes the sole remedy of the Servicers, the Depositor, the
        Custodian, the Trustee and the Trust, respecting a breach of the foregoing
        representations and warranties. Such indemnification shall survive any
        termination of the Master Servicer as Master Servicer hereunder and any
        termination of this Agreement.

       

      Any
        cause
        of action against the Master Servicer relating to or arising out of the breach
        of any representations and warranties made in this Section shall accrue upon
        discovery of such breach by either the Servicers, Depositor, the Master
        Servicer, the Custodian or the Trustee or notice thereof by any one of such
        parties to the other parties.

       

      Section
        9.04  Master
        Servicer Events of Default.
        Each of
        the following shall constitute a “Master Servicer Event of
        Default”:

       

      (a)  any
        failure by the Master Servicer to deposit in the Distribution Account any
        payment received by it from a Servicer or required to be made by the Master
        Servicer under the terms of this Agreement which continues unremedied for
        a
        period of two (2) Business Days after the date upon which written notice of
        such failure, requiring the same to be remedied, shall have been given to
        the
        Master Servicer by any other party hereto or the Certificate
        Insurer;

       

      (b)  failure
        by the Master Servicer to duly observe or perform, in any material respect,
        any
        other covenants, obligations or agreements of the Master Servicer as set
        forth
        in this Agreement which failure continues unremedied for a period of thirty
        (30) days after the date on which written notice of such failure, requiring
        the same to be remedied, shall have been given to the Master Servicer by
        the
        Trustee or to the Master Servicer and the Trustee by the Certificate Insurer
        (or
        if the Policy is no longer outstanding in accordance with its terms, the
        Holders
        of Certificates evidencing at least 25% of the Voting Rights); provided that
        the
        thirty (30) day cure period shall not apply so long as the Depositor is required
        to file any Forms 8-K, 10-D and 10-K required by the Exchange Act with
        respect to the Trust Fund, the failure to comply with the requirements set
        forth
        in Section 8.12, for which the grace period shall not exceed the lesser of
        ten
        (10) calendar days or such period in which any applicable Form 8-K, 10-D
        and 10-K required by the Exchange Act can be timely filed (without taking
        into
        account any extensions);

       

      (c)  a
        decree
        or order of a court or agency or supervisory authority having jurisdiction
        for
        the appointment of a conservator or receiver or liquidator in any insolvency,
        bankruptcy, readjustment of debt, marshaling of assets and liabilities or
        similar proceedings, or for the winding-up or liquidation of its affairs,
        shall
        have been entered against the Master Servicer and such decree or order shall
        have remained in force, undischarged or unstayed for a period of sixty
        (60) days;

       

      (d)  the
        Master Servicer shall consent to the appointment of a conservator or receiver
        or
        liquidator in any insolvency, bankruptcy, readjustment of debt, marshaling
        of
        assets and liabilities or similar proceedings of or relating to the Master
        Servicer or relating to all or substantially all of its property;

       

      (e)  the
        Master Servicer shall admit in writing its inability to pay its debts as
        they
        become due, file a petition to take advantage of any applicable insolvency
        or
        reorganization statute, make an assignment for the benefit of its creditors,
        or
        voluntarily suspend for three (3) Business Days payment of its
        obligations;

       

      (f)  except
        as
        otherwise set forth herein, the Master Servicer attempts to assign this
        Agreement or its responsibilities hereunder or to delegate its duties hereunder
        (or any portion thereof) without the consent of the Trustee, the
        Certificate Insurer and
        the
        Depositor; or

       

      (g)  the
        indictment of the Master Servicer for the taking of any action by the Master
        Servicer, any Affiliate or any director or employee thereof that constitutes
        fraud or criminal activity in the performance of its obligations under this
        Agreement, in each case, where such indictment materially and adversely affects
        the ability of the Master Servicer to perform its obligations under this
        Agreement (subject to the condition that such indictment is not dismissed
        within
        ninety (90) days).

       

      In
        each
        and every such case, so long as a Master Servicer Event of Default shall
        not
        have been remedied, in addition to whatever rights the Trustee may have at
        law
        or equity to damages, including injunctive relief and specific performance,
        the
        Trustee shall, at the written direction of the Certificate Insurer (or if
        the
        Policy is no longer outstanding in accordance with its terms, upon the request
        of the holders of Certificates representing at least 51% of the Voting Rights),
        by notice in writing to the Master Servicer, terminate with cause all the
        rights
        and obligations of the Master Servicer under this Agreement.

       

      Upon
        receipt by the Master Servicer of such written notice, all authority and
        power
        of the Master Servicer under this Agreement, shall pass to and be vested
        in any
        successor master servicer appointed hereunder which accepts such appointments.
        Upon written request from the Trustee, the Certificate Insurer or the Depositor,
        the Master Servicer shall prepare, execute and deliver to the successor entity
        designated by the Trustee any and all documents and other instruments related
        to
        the performance of its duties hereunder as the Master Servicer and, place
        in
        such successor’s possession all such documents with respect to the master
        servicing of the Mortgage Loans and do or cause to be done all other acts
        or
        things necessary or appropriate to effect the purposes of such notice of
        termination, at the Master Servicer’s sole expense. The Master Servicer shall
        cooperate with the Trustee and such successor master servicer in effecting
        the
        termination of the Master Servicer’s responsibilities and rights hereunder,
        including without limitation, the transfer to such successor master servicer
        for
        administration by it of all cash amounts which shall at the time be credited
        to
        the Distribution Account or are thereafter received with respect to the Mortgage
        Loans.

       

      All
        reasonable out-of-pocket costs and expenses incurred by the Trustee in
        connection with the transfer of servicing from a terminated Master Servicer,
        including, without limitation, any such costs or expenses associated with
        the
        complete transfer of all servicing data and the completion, correction or
        manipulation of such servicing data as may be required by the Trustee to
        correct
        any errors or insufficiencies in the servicing data or otherwise to enable
        the
        Trustee (or any successor Master Servicer appointed pursuant to Section 9.06)
        to
        master service shall be paid by the terminated Master Servicer; provided,
        however, that to the extent not previously reimbursed by the terminated Master
        Servicer, such fees and expenses shall be payable to the Trustee pursuant
        to
        Section 8.05.

       

      Upon
        the
        occurrence of a Master Servicer Event of Default, the Trustee shall provide
        the
        Depositor in writing and in form and substance reasonably satisfactory to
        the
        Depositor, all information reasonably requested by the Depositor in order
        to
        comply with its reporting obligation under Item 6.02 of Form 8-K with respect
        to
        a successor master servicer in the event the Trustee should succeed to the
        duties of the Master Servicer as set forth herein.

       

      Section
        9.05  Waiver
        of Default.
        By a
        written notice, the Trustee shall, at the written direction of the Certificate
        Insurer (or if the Policy is no longer outstanding in accordance with its
        terms,
        at the written direction of the Depositor or with the consent of
        Certificateholders representing a majority of the Voting Rights), waive any
        default by the Master Servicer in the performance of its obligations hereunder
        and its consequences. Upon any waiver of a past default, such default shall
        cease to exist, and any Master Servicer Event of Default arising therefrom
        shall
        be deemed to have been remedied for every purpose of this Agreement. No such
        waiver shall extend to any subsequent or other default or impair any right
        consequent thereon except to the extent expressly so waived.

       

      Section
        9.06  Successor
        to the Master Servicer.
        Upon
        termination of the Master Servicer’s responsibilities and duties under this
        Agreement, the Trustee shall appoint or become the successor servicer, which
        shall succeed to all rights and assume all of the responsibilities, duties
        and
        liabilities of the Master Servicer under this Agreement prior to the termination
        of the Master Servicer. Any successor shall be a Fannie Mae and Freddie Mac
        approved servicer in good standing and acceptable to the Depositor, the
        Certificate Insurer and the Rating Agencies. In connection with such appointment
        and assumption, the Trustee may make such arrangements for the compensation
        of
        such successor out of payments on Mortgage Loans as it and such successor
        shall
        agree; provided,
        however,
        that in
        no event shall the Master Servicing Fee paid to such successor master servicer
        exceed that paid to the Master Servicer hereunder. In the event that the
        Master
        Servicer’s duties, responsibilities and liabilities under this Agreement are
        terminated, the Master Servicer shall continue to discharge its duties and
        responsibilities hereunder until the effective date of such termination with
        the
        same degree of diligence and prudence which it is obligated to exercise under
        this Agreement and shall take no action whatsoever that might impair or
        prejudice the rights of its successor. The termination of the Master Servicer
        shall not become effective until a successor shall be appointed pursuant
        hereto
        and shall in no event (i) relieve the Master Servicer of responsibility for
        the representations and warranties made pursuant to Section 9.03(a) hereof
        and the remedies available to the Trustee under Section 9.03(b) hereof, it
        being understood and agreed that the provisions of Section 9.03 hereof shall
        be
        applicable to the Master Servicer notwithstanding any such sale, assignment,
        resignation or termination of the Master Servicer or the termination of this
        Agreement; or (ii) affect the right of the Master Servicer to receive
        payment and/or reimbursement of any amounts accruing to it hereunder prior
        to
        the date of termination (or during any transition period in which the Master
        Servicer continues to perform its duties hereunder prior to the date the
        successor master servicer fully assumes its duties).

       

      If
        no
        successor Master Servicer has accepted its appointment within 90 days of
        the
        time the Trustee receives the resignation of the Master Servicer, the Trustee
        shall be the successor Master Servicer in all respects under this Agreement
        and
        shall have all the rights and powers and be subject to all the responsibilities,
        duties and liabilities relating thereto, including the obligation to make
        Advances; provided,
        however,
        that
        any failure to perform any duties or responsibilities caused by the Master
        Servicer’s failure to provide information required by this Agreement shall not
        be considered a default by the Trustee hereunder. In the Trustee’s capacity as
        such successor Master Servicer, the Trustee shall have the same limitations
        on
        liability herein granted to the Master Servicer. As compensation therefor,
        the
        Trustee shall be entitled to receive the compensation, reimbursement and
        indemnities otherwise payable to the Master Servicer, including the fees
        and
        other amounts payable pursuant to Section 9.07 hereof.

       

      Any
        successor Master Servicer appointed as provided herein, shall execute,
        acknowledge and deliver to the Master Servicer, the Certificate Insurer and
        the
        Trustee an instrument accepting such appointment, wherein the successor shall
        make the representations and warranties set forth in Section 9.03 hereof,
        and
        whereupon such successor shall become fully vested with all of the rights,
        powers, duties, responsibilities, obligations and liabilities of the Master
        Servicer, with like effect as if originally named as a party to this Agreement.
        Any termination or resignation of the Master Servicer or termination of this
        Agreement shall not affect any claims that the Trustee may have against the
        Master Servicer arising out of the Master Servicer’s actions or failure to act
        prior to any such termination or resignation or in connection with the Trustee’s
        assumption as successor master servicer of such obligations, duties and
        responsibilities.

       

      Upon
        a
        successor’s acceptance of appointment as such, the Master Servicer shall notify
        by mail the Trustee of such appointment.

       

      Section
        9.07  Compensation
        of the Master Servicer.
        As
        compensation for its activities under this Agreement, the Master Servicer
        shall
        be paid the Master Servicing Fee.

       

      Section
        9.08  Merger
        or Consolidation.
        Any
        Person into which the Master Servicer may be merged or consolidated, or any
        Person resulting from any merger, conversion, other change in form or
        consolidation to which the Master Servicer shall be a party, or any Person
        succeeding to the business of the Master Servicer, shall be the successor
        to the
        Master Servicer hereunder, without the execution or filing of any paper or
        any
        further act on the part of any of the parties hereto, anything herein to
        the
        contrary notwithstanding; provided,
        however,
        that
        the successor or resulting Person to the Master Servicer shall (i) be a
        Person (or have an Affiliate) that is qualified and approved to service mortgage
        loans for Fannie Mae and Freddie Mac (provided further
        that a
        successor Master Servicer that satisfies subclause (i) through an Affiliate
        agrees to service the Mortgage Loans in accordance with all applicable Fannie
        Mae and Freddie Mac guidelines), (ii) have a net worth of not less than
        $25,000,000 and (iii) be acceptable to the Certificate Insurer.

       

      Section
        9.09  Resignation
        of the Master Servicer.
        Except
        as otherwise provided in Sections 9.08 and 9.10 hereof, the Master Servicer
        shall not resign from the obligations and duties hereby imposed on it unless
        the
        Master Servicer’s duties hereunder are no longer permissible under applicable
        law or are in material conflict by reason of applicable law with any other
        activities carried on by it and cannot be cured. Any such determination
        permitting the resignation of the Master Servicer shall be evidenced by an
        Opinion of Counsel that shall be independent to such effect delivered to
        the
        Trustee and the Certificate Insurer. No such resignation shall become effective
        until the Trustee shall have assumed, or another successor master servicer
        satisfactory to the Certificate Insurer and the Depositor shall have assumed,
        the Master Servicer’s responsibilities and obligations under this Agreement.
        Notice of such resignation shall be given promptly by the Master Servicer
        and
        the Depositor to the Trustee and the Certificate Insurer.

       

      Section
        9.10  Assignment
        or Delegation of Duties by the Master Servicer.
        Except
        as expressly provided herein, the Master Servicer shall not assign or transfer
        any of its rights, benefits or privileges hereunder to any other Person,
        or
        delegate to or subcontract with, or authorize or appoint any other Person
        to
        perform any of the duties, covenants or obligations to be performed by the
        Master Servicer; provided,
        however,
        that
        the Master Servicer shall have the right with the prior written consent of
        the
        Depositor (which shall not be unreasonably withheld or delayed) and the
        Certificate Insurer, and upon delivery to the Trustee, the Certificate Insurer
        and the Depositor of a letter from each Rating Agency (obtained by and at
        the
        expense of the Master Servicer) to the effect that such action shall not
        result
        in a downgrade of the ratings assigned to any of the Certificates (which,
        with
        respect to the Class A-1 Certificates, shall be without giving effect to
        the
        Policy), to delegate or assign to or subcontract with or authorize or appoint
        any qualified Person to perform and carry out any duties, covenants or
        obligations to be performed and carried out by the Master Servicer hereunder.
        Notice of such permitted assignment shall be given promptly by the Master
        Servicer to the Depositor, the Certificate Insurer and the Trustee. If, pursuant
        to any provision hereof, the duties of the Master Servicer are transferred
        to a
        successor master servicer, the entire compensation payable to the Master
        Servicer pursuant hereto shall thereafter be payable to such successor master
        servicer but in no event shall the fee payable to the successor master servicer
        exceed that payable to the predecessor master servicer.

       

      Section
        9.11  Limitation
        on Liability of the Master Servicer.
        Neither
        the Master Servicer nor any of the directors, officers, employees or agents
        of
        the Master Servicer shall be under any liability to the Trustee, the Custodian,
        the Servicers or the Certificateholders for any action taken or for refraining
        from the taking of any action in good faith pursuant to this Agreement, or
        for
        errors in judgment; provided,
        however,
        that
        this provision shall not protect the Master Servicer or any such person against
        any liability that would otherwise be imposed by reason of willful malfeasance,
        bad faith or negligence in the performance of its duties or by reason of
        reckless disregard for its obligations and duties under this Agreement. The
        Master Servicer and any director, officer, employee or agent of the Master
        Servicer may rely in good faith on any document prima facie properly executed
        and submitted by any Person respecting any matters arising hereunder. The
        Master
        Servicer shall be under no obligation to appear in, prosecute or defend any
        legal action that is not incidental to its duties as Master Servicer with
        respect to the Mortgage Loans under this Agreement and that in its opinion
        may
        involve it in any expenses or liability; provided,
        however,
        that
        the Master Servicer may in its sole discretion undertake any such action
        that it
        may deem necessary or desirable in respect to this Agreement and the rights
        and
        duties of the parties hereto and the interests of the Certificateholders
        hereunder. In such event, the legal expenses and costs of such action and
        any
        liability resulting therefrom, shall be liabilities of the Trust, and the
        Master
        Servicer shall be entitled to be reimbursed therefor out of the Distribution
        Account in accordance with the provisions of Section 9.07 and Section
        9.12.

       

      The
        Master Servicer shall not be liable for any acts or omissions of the Servicer
        except to the extent that damages or expenses are incurred as a result of
        such
        act or omissions and such damages and expenses would not have been incurred
        but
        for the negligence, willful malfeasance, bad faith or recklessness of the
        Master
        Servicer in supervising, monitoring and overseeing the performance of the
        obligations of the Servicers as required under this Agreement.

       

      Section
        9.12  Master
        Servicer Collection Account. 

       

      (a)  The
        Master Servicer shall establish and maintain a Master Servicer Collection
        Account (which shall at all times be an Eligible Account) with a depository
        institution in the name of the Master Servicer for the benefit of the Trustee
        on
        behalf of the Certificateholders and the Certificate Insurer and designated
        “Wells Fargo Bank, National Association, as Master Servicer, for the benefit
        of
        Deutsche Bank National Trust Company, in trust for registered Holders of
        GSAA
        2007-S1, Certificates and CIFG, as certificate insurer”. The Master Servicer
        shall deposit or cause to be deposited into the Master Servicer Collection
        Account on each Servicer Remittance Date, except as otherwise specifically
        provided herein, all of the payments and collections remitted by the
        Servicers.

       

      In
        the
        event that the Master Servicer shall remit any amount not required to be
        remitted and not otherwise subject to withdrawal, it may at any time withdraw
        or
        direct the institution maintaining the Master Servicer Collection Account
        to
        withdraw such amount from the Master Servicer Collection Account, any provision
        herein to the contrary notwithstanding. Such withdrawal or direction may
        be
        accomplished by delivering written notice thereof to the institution maintaining
        the Master Servicer Collection Account, that describes the amounts deposited
        in
        error in the Master Servicer Collection Account. The Master Servicer shall
        maintain adequate records with respect to all withdrawals made pursuant to
        this
        Section. All funds deposited in the Master Servicer Collection Account shall
        be
        held in trust for the Certificateholders and the Certificate Insurer until
        withdrawn in accordance with Section 9.13.

       

      (b)  The
        institution that maintains the Master Servicer Collection Account shall invest
        the funds in the Master Servicer Collection Account, in the manner directed
        by
        the Master Servicer, in Permitted Investments which shall mature not later
        than
        the Master Servicer Remittance Date and shall not be sold or disposed of
        prior
        to its maturity. All such Permitted Investments shall be made in the name
        of the
        Trustee, for the benefit of the Certificateholders and the Certificate Insurer.
        All income and gain net of any losses realized from any such investment shall
        be
        for the benefit of the Master Servicer as servicing compensation and shall
        be
        remitted to it monthly as provided herein. The
        amount of any losses incurred in the Master Servicer Collection Account in
        respect of any such investments shall be deposited by the Master Servicer
        into
        the Master Servicer Collection Account, out of the Master Servicer’s own
        funds.

       

      (c)  The
        Master Servicer shall give at least 30 days advance notice to the Trustee,
        the
        Certificate Insurer, the Servicers, each Rating Agency and the Depositor
        of any
        proposed change of location of the Master Servicer Collection Account prior
        to
        any change thereof.

       

      Section
        9.13  Permitted
        Withdrawals From the Master Servicer Collection Account. 

       

      (a)  The
        Master Servicer may from time to time make withdrawals from the Master Servicer
        Collection Account for the following purposes:

       

      (i)  to
        pay
        itself (to the extent not previously paid to or withheld by the Master
        Servicer), as master servicing compensation, that portion of any payment
        of
        interest that equals the Master Servicing Fee for the period with respect
        to
        which such interest payment was made;

       

      (ii)  to
        pay
        any expenses recoverable by the Master Servicer pursuant to this
        Agreement;

       

      (iii)  to
        withdraw any amount deposited in the Master Servicer Collection Account and
        not
        required to be deposited therein; and

       

      (iv)  to
        clear
        and terminate the Master Servicer Collection Account upon termination of
        this
        Agreement.

       

      In
        addition, no later than 10:00 a.m. Eastern time on the Master Servicer
        Remittance Date, the Master Servicer shall withdraw from the Master Servicer
        Collection Account and remit to the Trustee all amounts received from the
        Servicers, to the extent on deposit in the Master Servicer Collection Account.
        If the Master Servicer fails to remit any funds due by the time designated
        herein, the Master Servicer shall pay to the Trustee, out of its own funds,
        interest accrued at the prime rate as set forth in the Wall Street Journal,
        from
        and including the applicable due date, to but excluding the day such funds
        are
        paid to the Trustee.

       

      (b)  The
        Master Servicer shall keep and maintain separate accounting for the purpose
        of
        justifying any withdrawal from the Master Servicer Collection
        Account.

       

      Section
        9.14  Indemnification;
        Third Party Claims.
        The
        Master Servicer agrees to indemnify the Servicers, the Depositor, the Custodian,
        the Trustee, the Certificate Insurer and the Trust, and hold them harmless
        against any and all claims, losses, penalties, fines, forfeitures, legal
        fees
        and related costs, judgments, and any other costs, liability, fees and expenses
        that the Servicers, the Depositor, the Custodian, the Trustee, the Certificate
        Insurer or the Trust actually sustains as a result of the Master Servicer’s
        willful malfeasance, bad faith or negligence in the performance of its duties
        hereunder or by reason of its reckless disregard for its obligations and
        duties
        under this Agreement. The Depositor, the Custodian, each Servicer and the
        Trustee shall promptly notify the Master Servicer if a claim is made by a
        third
        party with respect to this Agreement or the Mortgage Loans which would entitle
        the Depositor, the Custodian, each Servicer, the Trustee, the Certificate
        Insurer or the Trust to indemnification under this Section 9.12, whereupon
        the
        Master Servicer shall assume the defense of any such claim and pay all expenses
        in connection therewith, including counsel fees, and promptly pay, discharge
        and
        satisfy any judgment or decree which may be entered against it or them in
        respect of such claim; provided, however, that failure to so notify shall
        not
        relieve the Master Servicer of its responsibility to indemnify hereunder
        except
        to the extent that it has been materially prejudiced by such
        failure.

       

      The
        Master Servicer agrees to indemnify and hold harmless the Trustee from and
        against any and all claims, losses, penalties, fines, forfeitures, legal
        fees
        and related costs, judgments, and any other costs, liability, fees and expenses
        (including reasonable attorneys’ fees) that the Trustee actually sustains as a
        result of such liability or obligations of the Master Servicer and in connection
        with the Trustee’s assumption (not including the Trustee’s performance, except
        to the extent that costs or liability of the Trustee are created or increased
        as
        a result of negligent or wrongful acts or omissions of the Master Servicer
        prior
        to its replacement as Master Servicer) of the Master Servicer’s obligations,
        duties or responsibilities under this Agreement.

       

      The
        Trust
        will indemnify the Master Servicer and hold it harmless against any and all
        claims, losses, penalties, fines, forfeitures, legal fees and related costs,
        judgments, and any other costs, liabilities, fees and expenses that the Master
        Servicer may incur or sustain in connection with, arising out of or related
        to
        this Agreement or the Certificates, except to the extent that any such loss,
        liability or expense is related to (i) a material breach of the Master
        Servicer’s representations and warranties in this Agreement, (ii) resulting
        from any breach of the applicable Servicer’s obligations in connection with this
        Agreement for which such Servicer has performed its obligation to indemnify
        the
        Trustee pursuant to Section 6.05 or (iii) the Master Servicer’s
        willful malfeasance, bad faith or negligence or by reason of its reckless
        disregard of its duties and obligations under this Agreement; provided
        that any
        such loss, liability or expense constitutes an “unanticipated expense incurred
        by the REMIC” within the meaning of Treasury Regulations Section
        1.860G-1(b)(3)(ii). The Master Servicer shall be entitled to reimbursement
        for
        any such indemnified amount from funds on deposit in the Distribution
        Account.

       

       

       

      ARTICLE
        X

       

      TERMINATION

       

      Section
        10.01  Termination
        upon Liquidation or Purchase of the Related Mortgage Loans.
        Subject
        to Sections 10.02 and 10.03, the obligations and responsibilities of the
        Depositor, the Master Servicer, the Servicers, the Custodian and the Trustee
        created hereby with respect to the portion of the Trust Fund relating to
        the
        Certificates shall terminate upon the earlier of (a) the purchase, on the
        Optional Termination Date, of all Mortgage Loans (and REO Properties) at
        the
        price equal to the sum of (i) 100% of the unpaid principal balance of each
        Mortgage Loan (other than in respect of REO Property) plus accrued and unpaid
        interest thereon at the applicable Mortgage Interest Rate and the amount
        of
        outstanding Servicing Advances on such Mortgage Loans through the Due Date
        preceding the date of purchase, (ii) the lesser of (x) the appraised value
        of
        any REO Property as determined by the higher of two appraisals completed
        by two
        independent appraisers selected by the Majority Class X Certificateholder
        (in
        the case of an optional termination exercised by the majority Servicer, acting
        at the direction of the Majority Class X Certificateholder) at the expense
        of
        such Person, plus accrued and unpaid interest on the related Mortgage Loan
        at
        the applicable Mortgage Interest Rates and (y) the unpaid principal balance
        of
        each Mortgage Loan related to any REO Property, in each case plus accrued
        and
        unpaid interest thereon at the applicable Mortgage Interest Rate, and (iii)
        any
        Swap Termination Payment owed to the Swap Provider or owed to the Trust Fund,
        as
        applicable (as provided to the Trustee by the Swap Provider pursuant to the
        Interest Rate Swap Agreement) (“Termination Price”) and (b) the later of (i) the
        maturity or other Liquidation Event (or any Advance with respect thereto)
        of the
        last Mortgage Loan remaining in the Trust Fund and the disposition of all
        REO
        Property and (ii) the distribution to related Certificateholders of all amounts
        required to be distributed to them pursuant to this Agreement. In no event
        shall
        the portion of the trusts created hereby continue beyond the earlier of (i)
        the
        related Latest Possible Maturity Date and (ii) the expiration of 21 years
        from
        the death of the survivor of the descendants of Joseph P. Kennedy, the late
        Ambassador of the United States to the Court of St. James’s, living on the date
        hereof. Notwithstanding anything to the contrary herein, the optional purchase
        referred to in clause (a) shall be subject to the Certificate Insurer’s consent
        if the termination would result in a draw on the Policy or if, after such
        purchase, amounts would remain owed to the Certificate Insurer under either
        this
        Agreement or the Insurance Agreement.

       

      Section
        10.02  Final
        Distribution on the Certificates.
        If on
        any Servicer Remittance Date, the related Servicer notifies the Trustee,
        the
        Certificate Insurer and the Master Servicer in writing that there are no
        related
        Outstanding Mortgage Loans and no other funds or assets in the Trust Fund
        other
        than the funds in the related Collection Account, the Trustee shall promptly
        send a Notice of Final Distribution to each related Certificateholder and
        the
        Swap Provider. If the related Terminating Entity elects to terminate the
        Trust
        Fund pursuant to clause (a) or (b), as applicable, of Section 10.01, by the
        25th
        day of
        the month preceding the month of the final distribution, the related Terminating
        Entity shall notify in writing the Depositor, the related Servicer, the Trustee,
        the Certificate Insurer and the Master Servicer, of the date the related
        Terminating Entity intends to terminate the Trust Fund and of the applicable
        Termination Price of the related Mortgage Loans and REO Properties.

       

      A
        Notice
        of Final Distribution, specifying the Distribution Date on which the related
        Certificateholders may surrender their Certificates for payment of the final
        distribution and cancellation, shall be given promptly by the Trustee by
        letter
        to the Certificate Insurer and the Certificateholders, mailed not later than
        the
        15th day of the month of such final distribution. Any such Notice of Final
        Distribution shall specify (a) the Distribution Date upon which final
        distribution on the Certificates will be made upon presentation and surrender
        of
        Certificates at the office therein designated, (b) the amount of such final
        distribution, (c) the location of the office or agency at which such
        presentation and surrender must be made, and (d) that the Record Date otherwise
        applicable to such Distribution Date is not applicable, distributions being
        made
        only upon presentation and surrender of the Certificates at the office therein
        specified. The Trustee will give such Notice of Final Distribution to each
        Rating Agency at the time such Notice of Final Distribution is given to the
        Certificate Insurer and the Certificateholders.

       

      In
        the
        event such Notice of Final Distribution is given, the related Terminating
        Entity
        shall remit the applicable Termination Price in immediately available funds
        to
        the related Servicer at least two Business Days prior to the applicable
        Distribution Date, and, upon receipt of such funds from the related Terminating
        Entity, the related Servicer shall promptly deposit such funds in the related
        Collection Account. In connection with any such termination of the Trust
        Fund,
        the related Servicer shall cause all funds in the related Collection Account,
        other than any Servicing Advances and Servicing Fees payable to such Servicer
        under the terms of this Agreement, including the applicable Termination Price
        for the related Mortgage Loans and REO Properties, to be remitted to the
        Trustee
        for deposit in the Distribution Account at or prior to 1:00 p.m. Eastern
        time on
        the Business Day immediately prior to the applicable Distribution Date. Upon
        such final deposit with respect to the Trust Fund and the receipt by the
        Trustee
        or the Custodian, as applicable, of a Request for Release therefor, the Trustee
        shall promptly release to the related Terminating Entity, or its designee,
        the
        Custodial Files for the related Mortgage Loans.

       

      Upon
        presentation and surrender of the related Certificates, the Trustee shall
        cause
        to be distributed to the related Certificateholders of each Class (after
        reimbursement of all amounts due to the related Servicer (including all
        unreimbursed Advances and any Servicing Fees and, if applicable, Master
        Servicing Fees accrued and unpaid as of the date the Termination Price is
        paid),
        the Depositor, the Trustee hereunder), in each case on the final Distribution
        Date and in the order set forth in Section 4.02(a), in proportion to their
        respective Percentage Interests, with respect to Certificateholders of the
        same
        Class, an amount up to an amount equal to (i) as to each Class of Regular
        Certificates (except the Class X Certificates), the Certificate Balance thereof
        plus for each such Class and the Class X Certificates accrued interest thereon
        in the case of an interest bearing Certificate and all other amounts to which
        such Classes are entitled pursuant to Section 4.02(a), (ii) as to the Class
        R
        Certificates, the amount, if any, which remains on deposit in the Distribution
        Account (other than the amounts retained to meet claims) after application
        pursuant to clause (i) above.

       

      In
        the
        event that any affected Certificateholders shall not surrender Certificates
        for
        cancellation within six months after the date specified in the above mentioned
        written notice, the Trustee shall give a second written notice to the remaining
        Certificateholders to surrender their Certificates for cancellation and receive
        the final distribution with respect thereto. If within six months after the
        second notice all the applicable Certificates shall not have been surrendered
        for cancellation, the Trustee may take appropriate steps, or may appoint
        an
        agent to take appropriate steps, to contact the remaining Certificateholders
        concerning surrender of their Certificates, and the cost thereof shall be
        paid
        out of the funds and other assets which remain a part of the Trust Fund.
        If
        within one year after the second notice all related Certificates shall not
        have
        been surrendered for cancellation, the Class R Certificateholders shall be
        entitled to all unclaimed funds and other assets of the Trust Fund which
        remain
        subject hereto.

       

      Section
        10.03  Additional
        Termination Requirements.
        In the
        event the related Terminating Entity elects to terminate the Trust Fund as
        provided in Section 10.01, the Trust Fund shall be terminated in accordance
        with
        the following additional requirements, unless the Trustee and the Certificate
        Insurer have been supplied with an Opinion of Counsel, at the expense of
        the
        Terminating Entity, to the effect that the failure to comply with the
        requirements of this Section 10.03 will not (i) result in the imposition of
        taxes on “prohibited transactions” on any Trust REMIC as defined in Section 860F
        of the Code, or (ii) cause any Trust REMIC that is not being liquidated to
        fail to qualify as a REMIC at any time that any Certificates are
        outstanding:

       

      (a)  The
        Trustee shall sell all of the assets of the Trust Fund to the Person electing
        to
        terminate such portion of the Trust Fund, or its designee, and, within 90
        days
        of such sale, shall distribute to the related Certificateholders the proceeds
        of
        such sale in complete liquidation of each of the related Trust REMICs;
        and

       

      (b)  The
        Trustee shall attach a statement to the final federal income tax return for
        each
        of the related Trust REMICs stating that pursuant to Treasury Regulations
        Section 1.860F 1, the first day of the 90 day liquidation period for each
        such
        Trust REMIC was the date on which the Trustee sold the assets of the Trust
        Fund
        to the Terminating Entity.

       

      (c)  Notwithstanding
        any other terms of this Agreement, prior to termination of the Trust Fund,
        the
        related Servicer may prepare a reconciliation of all P&I Advances and
        Servicing Advances made by it for which it has not been reimbursed and a
        reasonable estimate of all additional Servicing Advances and other costs
        for
        which it would be entitled to be reimbursed if the Trust Fund were not being
        terminated, including without limitation, any Servicing Advances and other
        costs
        arising under Section 6.03, and the related Servicer may recover these P&I
        Advances, Servicing Advances and estimated Servicing Advances and other costs
        from the related Collection Account (to the extent that such recovery of
        Servicing Advances, estimated Servicing Advances and other costs constitutes
        “unanticipated expenses” within the meaning of Treasury Regulation Section
        1.860G-1(b)(3)(ii)). 

       

      (d)  Notwithstanding
        any other terms of this Agreement, unless the related Servicer previously
        has
        notified the Trustee that it has entered into a servicing agreement for the
        servicing after the termination date of the Trust Fund assets, at least 20
        days
        prior to any termination of the Trust Fund, the Depositor shall notify the
        related Servicer in writing to transfer the assets of the Trust Fund as of
        the
        termination date to the person specified in the notice, or if such person
        is not
        then known, to continue servicing the assets until the date that is 20 days
        after the termination date and on the termination date, the Depositor shall
        notify the related Servicer of the person to whom the assets should be
        transferred on that date. In the latter event the related Servicer shall
        be
        entitled to recover its servicing fee and any advances made for the interim
        servicing period from the collections on the assets which have been purchased
        from the related portion of the Trust and the new owner of the assets, and
        the
        agreements for the new owner to obtain ownership of the assets of the Trust
        Fund
        shall so provide.

       

       

       

      ARTICLE
        XI

       

      MISCELLANEOUS
        PROVISIONS

       

      Section
        11.01  Amendment.
        This
        Agreement may be amended from time to time by the Depositor, the related
        Servicer, the Master Servicer, the Certificate Insurer, the Custodian and
        the
        Trustee without the consent of any of the Certificateholders (i) to cure
        any ambiguity or mistake, (ii) to correct any defective provision herein or
        to supplement any provision herein which may be inconsistent with any other
        provision herein, (iii) to add to the duties of the Depositor, the Trustee,
        the Master Servicer, the Custodian or the related Servicer, (iv) to add any
        other provisions with respect to matters or questions arising hereunder or
        (v) to modify, alter, amend, add to or rescind any of the terms or
        provisions contained in this Agreement; provided, that any amendment pursuant
        to
        clause (iv) or (v) above shall not, as evidenced by an Opinion of Counsel
        (which Opinion of Counsel shall not be an expense of the Trustee or the Trust
        Fund), adversely affect in any material respect the interests of any
        Certificateholder; provided, further, that the amendment shall not be deemed
        to
        adversely affect in any material respect the interests of the Certificateholders
        if the Person requesting the amendment obtains a letter from each Rating
        Agency
        stating that the amendment would not result in the downgrading or withdrawal
        of
        the respective ratings then assigned to the Certificates (which, with respect
        to
        the Class A-1 Certificates, shall be without giving effect to the Policy);
        it
        being understood and agreed that any such letter in and of itself will not
        represent a determination as to the materiality of any such amendment and
        will
        represent a determination only as to the credit issues affecting any such
        rating. The Trustee, the Depositor, the related Servicer, the Master Servicer,
        the Certificate Insurer and the Custodian also may at any time and from time
        to
        time amend this Agreement, but without the consent of the Certificateholders,
        to
        modify, eliminate or add to any of its provisions to such extent as shall
        be
        necessary or helpful to (i) maintain the qualification of each Trust REMIC
        under the REMIC Provisions, (ii) avoid or minimize the risk of the
        imposition of any tax on any Trust REMIC pursuant to the Code that would
        be a
        claim at any time prior to the final redemption of the related Certificates
        or
        (iii) comply with any other requirements of the Code; provided, that the
        Trustee has been provided an Opinion of Counsel, which opinion shall be an
        expense of the party requesting such opinion but in any case shall not be
        an
        expense of the Trustee or the Trust Fund, to the effect that such action
        is
        necessary or helpful to, as applicable, (i) maintain such qualification,
        (ii) avoid or minimize the risk of the imposition of such a tax or
        (iii) comply with any such requirements of the Code.

       

      This
        Agreement may also be amended from time to time by the Depositor, the related
        Servicer, the Certificate Insurer, the Trustee and, if applicable, the Master
        Servicer and the Custodian with the consent of the Holders of Certificates
        evidencing Percentage Interests aggregating not less than 662/3%
        of each
        Class of Certificates affected thereby, for the purpose of adding any provisions
        to or changing in any manner or eliminating any of the provisions of this
        Agreement or of modifying in any manner the rights of the Holders of
        Certificates; provided, however, that no such amendment shall (i) reduce in
        any manner the amount of, or delay the timing of, payments required to be
        distributed on any Certificate without the consent of the Holder of such
        Certificate, (ii) adversely affect in any material respect the interests of
        the Holders of any Class of Certificates in a manner other than as described
        in
        clause (i), without the consent of the Holders of Certificates of such
        Class evidencing, as to such Class, Percentage Interests aggregating not
        less
        than 662/3%,
        or
        (iii) reduce the aforesaid percentages of Certificates the Holders of which
        are required to consent to any such amendment, without the consent of the
        Holders of all such Certificates then outstanding.

       

      Notwithstanding
        any contrary provision of this Agreement, the Trustee shall not consent to
        any
        amendment to this Agreement unless (i) it shall have first received an
        Opinion of Counsel (with a copy to the Certificate Insurer), which opinion
        shall
        not be an expense of the Trustee or the Trust Fund, to the effect that such
        amendment will not cause the imposition of any tax on any Trust REMIC or
        the
        Certificateholders or cause any Trust REMIC to fail to qualify as a REMIC
        at any
        time that any Certificates are outstanding and (ii) the party seeking such
        amendment shall have provided written notice to the Rating Agencies (with
        a copy
        of such notice to the Trustee and the Certificate Insurer) of such amendment,
        stating the provisions of the Agreement to be amended.

       

      Notwithstanding
        the foregoing provisions of this Section 11.01, with respect to any
        amendment that significantly modifies the permitted activities of the Trustee
        or
        the related Servicer, any Certificate beneficially owned by the Depositor
        or any
        of its Affiliates shall be deemed not to be outstanding (and shall not be
        considered when determining the percentage of related Certificateholders
        consenting or when calculating the total number of Certificates entitled
        to
        consent) for purposes of determining if the requisite consents of
        Certificateholders under this Section 11.01 have been
        obtained.

       

      Promptly
        after the execution of any amendment to this Agreement requiring the consent
        of
        Certificateholders, the Trustee shall furnish written notification of the
        substance or a copy of such amendment to each Certificateholder and each
        Rating
        Agency.

       

      It
        shall
        not be necessary for the consent of Certificateholders under this
        Section 11.01 to approve the particular form of any proposed amendment, but
        it shall be sufficient if such consent shall approve the substance thereof.
        The
        manner of obtaining such consents and of evidencing the authorization of
        the
        execution thereof by Certificateholders shall be subject to such reasonable
        regulations as the Trustee may prescribe.

       

      Nothing
        in this Agreement shall require the Trustee or
        the
        Master Servicer
        to enter
        into an amendment which modifies its obligations or liabilities without its
        consent and in all cases without receiving an Opinion of Counsel (which Opinion
        shall not be an expense of the Trustee, the Master Servicer or the Trust
        Fund),
        satisfactory to the Trustee, the Certificate Insurer and the Master Servicer
        that (i) such amendment is permitted and is not prohibited by this
        Agreement and that all requirements for amending this Agreement have been
        complied with; and (ii) either (A) the amendment does not adversely
        affect in any material respect the interests of any Certificateholder or
        the
        Certificate Insurer or (B) the conclusion set forth in the immediately
        preceding clause (A) is not required to be reached pursuant to this
        Section 11.01.

       

      Notwithstanding
        any of the other provisions of this Section 11.01, none of the parties to
        this
        Agreement shall enter into any amendment to this Agreement that could reasonably
        be expected to have a material adverse effect on the interests of the Swap
        Provider hereunder (excluding, for the avoidance of doubt, any amendment
        to this
        Agreement that is entered into solely for the purpose of appointing a successor
        Servicer, Master Servicer, Trustee or other service provider) without the
        prior
        written consent of the Swap Provider, which consent shall not be unreasonably
        withheld, conditioned or delayed.

       

      Section
        11.02  Recordation
        of Agreement; Counterparts.
        This
        Agreement is subject to recordation in all appropriate public offices for
        real
        property records in all the counties or other comparable jurisdictions in
        which
        any or all of the properties subject to the Mortgages are situated, and in
        any
        other appropriate public recording office or elsewhere, such recordation
        to be
        effected by the related Servicer at the expense of the Trust, but only upon
        receipt of an Opinion of Counsel to the effect that such recordation materially
        and beneficially affects the interests of the Certificateholders and the
        Certificate Insurer.

       

      For
        the
        purpose of facilitating the recordation of this Agreement as herein provided
        and
        for other purposes, this Agreement may be executed simultaneously in any
        number
        of counterparts, each of which counterparts shall be deemed to be an original,
        and such counterparts shall constitute but one and the same
        instrument.

       

      Section
        11.03  Governing
        Law.
        THIS
        AGREEMENT SHALL BE CONSTRUED IN ACCORDANCE WITH AND GOVERNED BY THE SUBSTANTIVE
        LAWS OF THE STATE OF NEW YORK APPLICABLE TO AGREEMENTS MADE AND TO BE PERFORMED
        IN THE STATE OF NEW YORK AND THE OBLIGATIONS, RIGHTS AND REMEDIES OF THE
        PARTIES
        HERETO AND THE CERTIFICATEHOLDERS SHALL BE DETERMINED IN ACCORDANCE WITH
        SUCH
        LAWS.

       

      Section
        11.04  Intention
        of Parties.
        It is
        the express intent of the parties hereto that the conveyance (i) of the
        Mortgage Loans by the Depositor and (ii) of the Trust Fund by the Depositor
        to the Trustee each be, and be construed as, an absolute sale thereof. It
        is,
        further, not the intention of the parties that such conveyances be deemed
        a
        pledge thereof. However, in the event that, notwithstanding the intent of
        the
        parties, such assets are held to be the property of the Depositor, as the
        case
        may be, or if for any other reason this Agreement is held or deemed to create
        a
        security interest in either such assets, then (i) this Agreement shall be
        deemed
        to be a security agreement within the meaning of the Uniform Commercial Code
        of
        the State of New York and (ii) the conveyances provided for in this
        Agreement shall be deemed to be an assignment and a grant by the Depositor
        to
        the Trustee, for the benefit of the Certificateholders and the Certificate
        Insurer, of a security interest in all of the assets transferred, whether
        now
        owned or hereafter acquired.

       

      The
        Depositor, for the benefit of the Certificateholders and the Certificate
        Insurer, shall, to the extent consistent with this Agreement, take such actions
        as may be necessary to ensure that, if this Agreement were deemed to create
        a
        security interest in the Trust Fund, such security interest would be deemed
        to
        be a perfected security interest of first priority under applicable law and
        will
        be maintained as such throughout the term of the Agreement. The Depositor
        shall
        arrange for filing any Uniform Commercial Code continuation statements in
        connection with any security interest granted or assigned to the Trustee
        for the
        benefit of the Certificateholders and the Certificate Insurer.

       

      Section
        11.05  Notices.
        (a)
        The
        Trustee shall provide notice to each Rating Agency and the Certificate Insurer
        with respect to each of the following of which it has actual
        knowledge:

       

      1.  Any
        material change or amendment to this Agreement;

       

      2.  The
        occurrence of any Event of Default that has not been cured;

       

      3.  The
        resignation or termination of any Servicer, the Master Servicer or the Trustee
        and the appointment of any successor;

       

      4.  The
        repurchase or substitution of Mortgage Loans pursuant to Sections 2.03,
        2.07 or 3.28; and

       

      5.  The
        final
        payment to Certificateholders.

       

      (b)  In
        addition, the Trustee shall promptly furnish to each Rating Agency and the
        Certificate Insurer copies of the following:

       

      1.  Each
        report to Certificateholders described in Section 4.04.

       

      2.  Any
        notice of a purchase of a Mortgage Loan pursuant to
        Section 3.28.

       

      All
        directions, demands and notices hereunder shall be in writing and shall be
        deemed to have been duly given when delivered to (a) in the case of the
        Depositor, to GS Mortgage Securities Corp., 85 Broad Street, New York, New
        York
        10004, Attention: Principal Finance Group/ Christopher M. Gething and Asset
        Management Group/Senior Asset Manager (and, in the case of the Officer’s
        Certificate delivered pursuant to Section 3.22, to PricewaterhouseCoopers
        LLP, 222 Lakeview Avenue, Suite 360, West Palm Beach, Florida 33401, Attention:
        Jonathan Collman), or such other address as may be hereafter furnished to
        the
        Trustee, the Master Servicer, the Custodian, the Certificate Insurer and
        the
        Servicers by the Depositor in writing; (b) in the case of Ocwen, to Ocwen
        Loan
        Servicing, LLC, 1661 Worthington Road, Suite 100, Centrepark West, West Palm
        Beach, Florida 33409, Attention: Secretary, or such other address as may
        be
        hereafter furnished to the Depositor, the Trustee and the Certificate Insurer
        by
        Ocwen in writing, (c) in the case of Avelo, prior to April 13, 2007, 600 E.
        Las Colinas Blvd., Suite 620, Irving, Texas 75039, Attention: President and
        General Counsel and on and after April 13, 2007, 250 E. John Carpenter Freeway,
        Suite 300, Iriving, Texas 75039, Attention: President and General Counsel,
        (d)
        in the case of SLS, to Specialized Loan Servicing LLC, 8742 Lucent Blvd,
        3rd
        Floor, Highlands Ranch, Colorado 80129, or such other address as may be
        hereafter furnished to the Depositor, the Trustee and the Certificate Insurer
        by
        the Servicer in writing; (e) in the case of the Master Servicer, to Wells
        Fargo
        Bank, National Association, 9062 Old Annapolis Road, Columbia, Maryland 21045,
        Attention: Corporate Trust Services, GSAA 06-S1, or such other addresses
        as may
        be hereafter furnished to the Depositor, the Trustee and the Certificate
        Insurer
        in writing, (f) in the case of the Custodian, to U.S. Bank National Association,
        1133
        Rankin Street, St. Paul, Minnesota 55116,
        Attention: Mark Hess, or such other address as may be hereafter furnished
        to the
        Depositor, the Master Servicer, the Trustee and the Certificate Insurer in
        writing, (g) in the case of the Trustee, to the Corporate Trust Office, or
        such
        other address as the Trustee may hereafter furnish to the Depositor, the
        Master
        Servicer, the Servicers and the Certificate Insurer, (h) in the case of the
        Certificate Insurer, CIFG Assurance North America, Inc., 825 Third Avenue,
        6th
        Floor, New York, New York 10022, Attention: General Counsel, or such other
        address as may be hereafter furnished to the Depositor and the Trustee by
        the
        Certificate Insurer and
        (i)
        in the case of each of the Rating Agencies, the address specified therefor
        in
        the definition corresponding to the name of such Rating Agency. Notices to
        Certificateholders shall be deemed given when mailed, first class postage
        prepaid, to their respective addresses appearing in the Certificate
        Register.

       

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

       

      Section
        11.07  Advance
        Facility. 

       

      (a)  With
        the
        prior written consent of the Certificate Insurer, each Servicer is hereby
        authorized to enter into a financing or other facility (any such arrangement,
        an
“Advance Facility”), the documentation for which complies with Subsection (e)
        below, under which (1) the related Servicer assigns or pledges its rights
        under
        this Agreement to be reimbursed for any or all P&I Advances and/or Servicing
        Advances to (i) a Person, which may be a special-purpose bankruptcy-remote
        entity (an “SPV”), (ii) a Person, which may simultaneously assign or pledge such
        rights to an SPV or (iii) a lender (a “Lender”), which, in the case of any
        Person or SPV of the type described in either of the preceding clauses (i)
        or
        (ii), may directly or through other assignees and/or pledgees, assign or
        pledge
        such rights to a Person, which may include a trustee acting on behalf of
        holders
        of debt instruments (any such Person or any such Lender, an “Advance Financing
        Person”), and/or (2) an Advance Financing Person agrees to fund all of the
        P&I Advances and/or Servicing Advances required to be made by such 
Servicer pursuant to this Agreement; provided, however, that the consent
        of the
        Certificate Insurer shall not be required to enter into any Advance Facility
        in
        exitence prior to the Closing Date. No
        consent of the Trustee, Certificateholders or any other party shall be required
        before a Servicer may enter into an Advance Facility, nor shall the Master
        Servicer or the Certificateholders be a third party beneficiary of any
        obligation of an Advance Financing Person to such Servicer. Notwithstanding
        the
        existence of any Advance Facility under which an Advance Financing Person
        agrees
        to fund P&I Advances and/or Servicing Advances, (A) the related Servicer (i)
        shall remain obligated pursuant to this Agreement to make P&I Advances
        and/or Servicing Advances pursuant to and as required by this Agreement and
        (ii)
        shall not be relieved of such obligations by virtue of such Advance Facility
        and
        (B) neither the Advance Financing Person nor any Servicer’s Assignee (as
        hereinafter defined) shall have any right to proceed against or otherwise
        contact any Mortgagor for the purpose of collecting any payment that may
        be due
        with respect to any related Mortgage Loan or enforcing any covenant of such
        Mortgagor under the related Mortgage Loan documents.

       

      (b)  If
        a
        Servicer enters into an Advance Facility, such Servicer and the related Advance
        Financing Person shall deliver to the Master Servicer, the Certificate Insurer,
        the Trustee and the Depositor at the address set forth in Section 11.05 hereof
        a
        written notice (an “Advance Facility Notice”), stating (1) the identity of the
        Advance Financing Person, (2) the identity of the Person (the “Servicer’s
        Assignee”) that will, subject to Subsection (c) below, have the right to receive
        reimbursements of previously unreimbursed P&I Advances and/or Servicing
        Advances financed under the related Advance Facility (“Advance Reimbursement
        Amounts”) and (3) that such Servicer’s Assignee shall agree to be bound by the
        provisions of this Section 11.07. The Advance Facility Notice shall be executed
        by the Advance Facility Person and such Servicer’s Assignee. Advance
        Reimbursement Amounts (i) shall consist solely of amounts in respect of P&I
        Advances and/or Servicing Advances for which such Servicer would be permitted
        to
        reimburse itself in accordance with Section 3.11 hereof, assuming such Servicer
        had made the related P&I Advances and/or Servicing Advance(s), provided, in
        each case, that such P&I Advance and/or Servicing Advance was financed under
        the related Advance Facility, and (ii) shall not consist of amounts payable
        to a
        successor Servicer in accordance with Section 3.11 hereof to the extent
        permitted under Subsection (e) below.

       

      (c)  Notwithstanding
        the existence of an Advance Facility, a Servicer, on behalf of the Advance
        Financing Person and such Servicer’s Assignee, shall be entitled to receive
        Advance Reimbursement Amounts in accordance with Section 3.11 hereof, which
        entitlement may be terminated by the Advance Financing Person pursuant to
        a
        written notice executed by the Advance Financing Person (an “Advance Facility
        Default Notice”) to the Master Servicer and the Depositor in the manner set
        forth in Section 11.05 hereof. Upon receipt of an Advance Facility Default
        Notice, the related Servicer shall no longer be entitled to receive Advance
        Reimbursement Amounts and the Servicer’s Assignee shall have the right to
        receive from the Collection Account reimbursement of previously unreimbursed
        Advance Reimbursement Amounts.

       

      (d)  Upon
        receipt by the Master Servicer and the Depositor of an Advance Facility Default
        Notice with respect to a Servicer, (i) such Servicer shall no longer be entitled
        to receive Advance Reimbursement Amounts in accordance with Section 3.11
        hereof
        and the related Servicer’s Assignee with respect to such Advance Facility shall
        have the right to receive all related Advance Reimbursement Amounts in the
        manner set forth in this Subsection (d), and (ii) the Master Servicer shall
        establish an account in the name of the related Servicer’s Assignee (the
“Servicer Advance Facility Account”). Thereafter, within two (2) Business Days
        of the related Servicer’s receipt of Advance Reimbursement Amounts in the manner
        set forth in Section 3.11, such Servicer will identify such amounts and remit
        them to the Master Servicer. The Master Servicer shall, within a reasonable
        time
        after receipt of such Advance Reimbursement Amounts from the related Servicer,
        deposit such Advance Reimbursement Amounts into the related Servicer Advance
        Facility Account. On the last Business Day of each calendar week following
        the
        receipt of an Advance Facility Default Notice with respect to a Servicer,
        the
        Master Servicer shall wire to the related Servicer’s Assignee identified in the
        related Advance Facility Default Notice, at the payment instructions specified
        in the Advance Facility Default Notice, any and all funds contained in the
        related Servicer Advance Facility Account. The obligations of each of the
        Servicer and the Master Servicer under this clause (d) shall continue until
        the
        Master Servicer receives written notice from the Advance Financing Person
        of the
        termination of the Advance Facility of such Servicer.

       

      (e)  Without
        limiting the foregoing, none of the Master Servicer or the Certificateholders
        shall have any right to setoff against Advance Reimbursement Amounts hereunder.
        An Advance Facility may be terminated by the joint written direction of the
        related Servicer and the related Advance Financing Person. Written notice
        of
        such termination shall be delivered to the Master Servicer in the manner
        set
        forth in Section 11.05 hereof. Except as expressly set forth in Subsection
        (d)
        above with respect to the establishment of the Servicer Advance Facility
        Account, the deposit of amounts therein and the remittances of amounts therefrom
        by the Master Servicer, none of the Master Servicer, the Depositor or the
        Trustee shall, as a result of the existence of any Advance Facility, have
        any
        additional duty or liability with respect to the calculation or payment of
        any
        Advance Reimbursement Amount, and (ii) none of the Depositor, the Master
        Servicer or the Trustee shall, as a result of the existence of any Advance
        Facility, have any additional responsibility to track or monitor the
        administration of the Advance Facility or the payment of Advance Reimbursement
        Amounts to the Servicer’s Assignee. Each Servicer shall indemnify the Depositor,
        the Master Servicer, the Trustee, any successor Servicer, the Certificate
        Insurer and the Trust Fund for any claim, loss, liability or damage resulting
        from any claim by the related Advance Financing Person, or Servicer’s Assignee,
        except to the extent that such claim, loss, liability or damage resulted
        from or
        arose out of negligence, recklessness or willful misconduct on the part of
        the
        Depositor, the Trustee, the Master Servicer, the Sponsor or any successor
        Servicer, as the case may be, or failure by the successor Servicer or the
        Master
        Servicer, as the case may be, to remit funds to the extent required by
        subsection (d) above. Each Servicer shall maintain and provide to any successor
        Servicer and, upon request, the Master Servicer, a detailed accounting on
        a
        loan-by-loan basis as to amounts advanced by, pledged or assigned to, and
        reimbursed to any Advance Financing Person. The successor Servicer shall
        be
        entitled to rely on any such information provided by the predecessor Servicer,
        and the successor Servicer shall not be liable for any errors in such
        information. Notwithstanding any of the foregoing, and for the avoidance
        of
        doubt, the related Servicer, the related Advance Financing Person and/or
        the
        related Servicer’s Assignee shall only be entitled to reimbursement of Advance
        Reimbursement Amounts hereunder from withdrawals from the Collection Account
        pursuant to Section 3.11 of this Agreement and shall not otherwise be entitled
        to make withdrawals or receive amounts that shall be deposited in the Master
        Servicer Collection Account pursuant to Section 3.12 hereof or any other
        Account.

       

      (f)  An
        Advance Financing Person who receives an assignment or pledge of rights to
        receive Advance Reimbursement Amounts and/or whose obligations are limited
        to
        the funding of P&I Advances and/or Servicing Advances pursuant to an Advance
        Facility shall not be required to meet the criteria for qualification as
        a
        Subservicer.

       

      (g)  As
        between a predecessor Servicer and its Advance Financing Person, on the one
        hand, and a successor Servicer and its Advance Financing Person, if any,
        on the
        other hand, Advance Reimbursement Amounts on a loan-by-loan basis with respect
        to each Mortgage Loan as to which an P&I Advance and/or Servicing Advance
        shall have been made and be outstanding shall be allocated on a “first-in, first
        out” basis. In the event the Servicer’s Assignee shall have received some or all
        of an Advance Reimbursement Amount related to P&I Advances and/or Servicing
        Advances that were made by a Person other than such predecessor Servicer
        or its
        related Advance Financing Person in error or that relate to P&I Advances or
        Servicing Advances that were not financed under the related Advance Facility,
        then such Servicer’s Assignee shall be required to remit any portion of such
        Advance Reimbursement Amount to each Person entitled to such portion of such
        Advance Reimbursement Amount. Without limiting the generality of the foregoing,
        a Servicer shall remain entitled to be reimbursed by the Advance Financing
        Person for all P&I Advances and/or Servicing Advances funded by such
        Servicer to the extent the related Advance Reimbursement Amounts have not
        been
        assigned or pledged to such Advance Financing Person or Servicer’s
        Assignee.

       

      (h)  For
        purposes of any certification of a Servicing Officer of a Servicer made pursuant
        to Section 4.01, any Nonrecoverable Servicing Advance referred to therein
        may
        have been made by such Servicer or any predecessor Servicer. In making its
        determination that any Servicing Advance theretofore made has become a
        Nonrecoverable Servicing Advance, such Servicer shall apply the same criteria
        in
        making such determination regardless of whether such Servicing Advance shall
        have been made by such Servicer or any predecessor Servicer.

       

      (i)  Any
        amendment to this Section 11.07 or to any other provision of this Agreement
        that
        may be necessary or appropriate to effect the terms of an Advance Facility
        as
        described generally in this Section 11.07, including amendments to add
        provisions relating to a successor Servicer, may be entered into by the Master
        Servicer, the Trustee, the Depositor and the Servicers without the consent
        of
        any Certificateholder but with the prior written consent of the Certificate
        Insurer, which consent shall not be unreasonably withheld, provided such
        amendment complies with Section 11.01. All reasonable costs and expenses
        (including attorneys’ fees) of each party hereto and the Certificate Insurer of
        any such amendment shall be borne solely by the Servicer requesting such
        amendment. The parties hereto hereby acknowledge and agree that: (a) the
        P&I
        Advances and/or Servicing Advances financed by and/or pledged to an Advance
        Financing Person under any Advance Facility are obligations owed to the related
        Servicer payable only from the cash flows and proceeds received under this
        Agreement for reimbursement of P&I Advances and/or Servicing Advances
        financed under the related Advance Facility only to the extent provided herein,
        and the Trustee, the Master Servicer and the Trust are not, as a result of
        the
        existence of any Advance Facility, obligated or liable to repay any P&I
        Advances and/or Servicing Advances financed by the Advance Financing Person;
        and
        (b) the related Servicer will be responsible for remitting to the Advance
        Financing Person the applicable amounts collected by it as reimbursement
        for
        P&I Advances and/or Servicing Advances funded by the Advance Financing
        Person, subject to the provisions of this Agreement.

       

      Section
        11.08  Limitation
        on Rights of Certificateholders.
        The
        death or incapacity of any Certificateholder shall not operate to terminate
        this
        Agreement or the trust created hereby, nor entitle such Certificateholder’s
        legal representative or heirs to claim an accounting or to take any action
        or
        commence any proceeding in any court for a petition or winding up of the
        trust
        created hereby, or otherwise affect the rights, obligations and liabilities
        of
        the parties hereto or any of them.

       

      No
        Certificateholder shall have any right to vote (except as provided herein)
        or in
        any manner otherwise control the operation and management of the Trust Fund,
        or
        the obligations of the parties hereto, nor shall anything herein set forth
        or
        contained in the terms of the Certificates be construed so as to constitute
        the
        Certificateholders from time to time as partners or members of an association;
        nor shall any Certificateholder be under any liability to any third party
        by
        reason of any action taken by the parties to this Agreement pursuant to any
        provision hereof.

       

      No
        Certificateholder shall have any right by virtue or by availing itself of
        any
        provisions of this Agreement to institute any suit, action or proceeding
        in
        equity or at law upon or under or with respect to this Agreement, unless
        such
        Holder previously shall have given to the Trustee a written notice of an
        Event
        of Default and of the continuance thereof, as herein provided, and unless
        the
        Holders of Certificates evidencing not less than 25% of the related Voting
        Rights evidenced by the related Certificates shall also have made written
        request to the Trustee to institute such action, suit or proceeding in its
        own
        name as Trustee hereunder and shall have offered to the Trustee such reasonable
        indemnity as it may require against the costs, expenses, and liabilities
        to be
        incurred therein or thereby, and the Trustee, for 60 days after its receipt
        of
        such notice, request and offer of indemnity shall have neglected or refused
        to
        institute any such action, suit or proceeding; it being understood and intended,
        and being expressly covenanted by each Certificateholder with every other
        Certificateholder and the Trustee, that no one or more Holders of Certificates
        shall have any right in any manner whatever by virtue or by availing itself
        or
        themselves of any provisions of this Agreement to affect, disturb or prejudice
        the rights of the Holders of any other of the Certificates, or to obtain
        or seek
        to obtain priority over or preference to any other such Holder or to enforce
        any
        right under this Agreement, except in the manner herein provided and for
        the
        common benefit of all Certificateholders. For the protection and enforcement
        of
        the provisions of this Section 10.08, each and every Certificateholder and
        the Trustee shall be entitled to such relief as can be given either at law
        or in
        equity.

       

      Section
        11.09  Inspection
        and Audit Rights.
        Each
        Servicer agrees that, on reasonable prior notice, it will permit any
        representative of the Depositor, the Trustee, the Certificate Insurer or
        the
        Master Servicer, during the related Servicer’s normal business hours, to examine
        all the books of account, records, reports and other papers of such Servicer
        relating to the related Mortgage Loans, to make copies and extracts therefrom,
        to cause such books to be audited by independent certified public accountants
        selected by the Depositor, the Trustee, the Certificate Insurer or the Master
        Servicer and to discuss its affairs, finances and accounts relating to the
        related Mortgage Loans with its officers, employees and independent public
        accountants (and by this provision the related Servicer hereby authorizes
        said
        accountants to discuss with such representative such affairs, finances and
        accounts), all at such reasonable times and as often as may be reasonably
        requested. Any reasonable out-of-pocket expense of the related Servicer incident
        to the exercise by the Depositor, the Trustee, the Certificate Insurer or
        the
        Master Servicer of any right under this Section 11.09 shall be borne by the
        party making the request unless an Event of Default with respect to the related
        Servicer has occurred and is continuing (or with notice or passage of time,
        would occur), which case such expenses shall be borne by the related Servicer.
        The related Servicer may impose commercially reasonable restrictions on
        dissemination of information such Servicer defines as confidential.

       

      Nothing
        in this Section 11.09 shall limit the obligation of the related Servicer
        to
        observe any applicable law prohibiting disclosure of information regarding
        the
        Mortgagors and the failure of the related Servicer to provide access as provided
        in this Section as a result of such obligation shall not constitute a breach
        of
        this Section. Nothing in this Section 10.09 shall require the related Servicer
        to collect, create, collate or otherwise generate any information that it
        does
        not generate in its usual course of business. The related Servicer shall
        not be
        required to make copies of or to ship documents to any Person who is not
        a party
        to this Agreement, and then only if provisions have been made for the
        reimbursement of the costs thereof.

       

      Section
        11.10  Certificates
        Nonassessable and Fully Paid.
        It is
        the intention of the Depositor that Certificateholders shall not be personally
        liable for obligations of the Trust Fund, that the interests in the Trust
        Fund
        represented by the Certificates shall be nonassessable for any reason
        whatsoever, and that the Certificates, upon due authentication thereof by
        the
        Trustee pursuant to this Agreement, are and shall be deemed fully
        paid.

       

      Section
        11.11  [Reserved]. 

       

      Section
        11.12  Waiver
        of Jury Trial.
        EACH
        PARTY HEREBY KNOWINGLY, VOLUNTARILY AND INTENTIONALLY WAIVES (TO THE EXTENT
        PERMITTED BY APPLICABLE LAW) ANY RIGHT IT MAY HAVE TO A TRIAL BY JURY OF
        ANY
        DISPUTE ARISING UNDER OR RELATING TO THIS AGREEMENT AND AGREES THAT ANY SUCH
        DISPUTE SHALL BE TRIED BEFORE A JUDGE SITTING WITHOUT A JURY.

       

      Section
        11.13  Limitation
        of Damages.
        NOTWITHSTANDING ANYTHING CONTAINED HEREIN TO THE CONTRARY, THE PARTIES AGREE
        THAT NO PARTY SHALL BE LIABLE TO ANY OTHER PARTY FOR ANY PUNITIVE DAMAGES
        WHATSOEVER, WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE AND STRICT
        LIABILITY), OR ANY OTHER LEGAL OR EQUITABLE PRINCIPLE, PROVIDED, HOWEVER,
        THAT
        SUCH LIMITATION SHALL NOT BE APPLICABLE WITH RESPECT TO THIRD PARTY CLAIMS
        MADE
        AGAINST A PARTY.

       

      Section
        11.14  Third
        Party Rights.
        Each of
        the Swap Provider, the Certificate Insurer and each Person entitled to
        indemnification hereunder who is not a party hereto, shall be deemed a
        third-party beneficiary of this Agreement to the same extent as if it were
        a
        party hereto and shall have the right to enforce its rights under this
        Agreement.

       

      Section
        11.15  No
        Solicitation.
        From
        and after the Closing Date, each Servicer agrees that it will not take any
        action or permit (other than with respect to Avelo) or cause any action to
        be
        taken by any of its agents or Affiliates, or by any independent contractors
        or
        independent mortgage brokerage companies on its behalf, to personally, by
        telephone, mail or electronic mail, specifically target through direct
        solicitations, the Mortgagors under the related Mortgage Loans for the purpose
        of refinancing such Mortgage Loans; provided, however, that each Servicer
        may
        solicit any Mortgagor for whom such Servicer has become aware of or received
        a
        request for payoff, or a written or verbal communication from Mortgagor or
        his/her agent indicating a desire to prepay the related Mortgage Loan and,
        provided, further, that it is understood and agreed that promotions undertaken
        by the related Servicer or any of its Affiliates which (i) concern optional
        insurance products (excluding single premium insurance) or other financial
        products or services (excluding any mortgage related products such as home
        equity lines of credit and second mortgage products), or (ii) are directed
        to the general public at large or certain segments thereof exclusive of the
        Mortgagors as a targeted group and, including mass mailings based on
        commercially acquired mailing lists, newspaper, radio and television
        advertisements shall not constitute solicitation under this Section 11.15,
        nor
        is such Servicer prohibited from responding to unsolicited requests or inquiries
        made by a Mortgagor or his or her agent.

       

      Section
        11.16  Regulation
        AB Compliance; Intent of the Parties; Reasonableness.
        The
        parties hereto acknowledge that interpretations of the requirements of
        Regulation AB may change over time, whether due to interpretive guidance
        provided by the Commission or its staff, consensus among participants in
        the
        asset-backed securities markets, advice of counsel, or otherwise, and agree
        to
        comply with requests made by the Depositor in good faith for delivery of
        information under these provisions on the basis of evolving interpretations
        of
        Regulation AB. In connection with the Trust, the Master Servicer, the Servicers,
        the Custodian and the Trustee shall cooperate fully with the Depositor to
        deliver to the Depositor (including its assignees or designees), any and
        all
        statements, reports, certifications, records and any other information available
        to such party and reasonably necessary in the good faith determination of
        the
        Depositor to permit the Depositor to comply with the provisions of Regulation
        AB.

       

      *    *    *    *    *    *    *

       

      

      

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

      IN
        WITNESS WHEREOF, the Depositor, the Trustee, the Custodian, the Master Servicer
        and each of the Servicers have caused their names to be signed hereto by
        their
        respective officers thereunto duly authorized as of the day and year first
        above
        written.

       

      GS
        MORTGAGE SECURITIES CORP.,

      as
        Depositor

       

      By:
        /s/
        Michelle Gill

      Name:
        Michelle Gill

      Title:
        Vice President

      

      DEUTSCHE
        BANK NATIONAL TRUST COMPANY,

      solely
        as
        Trustee and Supplemental Interest Trust Trustee

       

      By:
        /s/
        Mei Nghia

      Name:
        Mei
        Nghia

      Title:
        Authorized Signer

       

      By:
        /s/
        Melissa Wilman

      Name:
        Melissa Wilman

      Title:
        Vice President

       

      WELLS
        FARGO BANK, NATIONAL ASSOCIATION,

      as
        Master
        Servicer

       

      By:
        /s/
        Patricia Russo

      Name:
        Patricia Russo

      Title:
        Vice President

       

      U.S.
        BANK
        NATIONAL ASSOCIATION,

      as
        Custodian

       

      By:
        /s/
        Delma Carlson-Emberson

      Name:
        Delma Carlson-Emberson

      Title:
        Assistant Vice President

       

      OCWEN
        LOAN SERVICING, LLC,

      as
        a
        Servicer

       

      By:
        /s/
        Richard Delgado

      Name:
        Richard Delgado

      Title:
        Authorized Representative

       

      AVELO
        MORTGAGE, L.L.C.,

      as
        a
        Servicer

       

      By:
        /s/
        J.
        Weston Moffett

      Name:
        J.
        Weston Moffett

      Title:
        President

       

      SPECIALIZED
        LOAN SERVICING LLC,

      as
        a
        Servicer

       

      By:
        /s/
        Toby E. Wells

      Name:
        Toby E. Wells

      Title:
        SVP/CFO

       

      

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

      

      SCHEDULE I

       

      Mortgage
        Loan Schedule

       

               PI                           PBAL                        OBAL                      RATE                  CITY                                                            STATE                         ZIP                     UNITS                   LIEN                        FDUEDATE                         MDATE                         ODATE                        ASOFDATE
         --                           ----                        ----                      ----                  ----                                                            -----                         ---                     -----                   ----                        --------                         -----                         -----                        --------
     197.12                       24717.74                       25000                     8.775                  ELKHART                                                         IN                          46514                         1                      2                       10/1/2005                      9/1/2035                     8/12/2005                        2/1/2007
     262.91                       19958.99                       20000                    15.625                  LAUDERHILL                                                      FL                          33313                         1                      2                       12/1/2005                     11/1/2035                    10/11/2005                        2/1/2007
     254.18                       23890.74                       24256                     12.25                  SAN ANTONIO                                                     TX                          78250                         1                      2                       12/1/2005                     11/1/2035                    10/28/2005                        2/1/2007
     465.59                       40870.31                       41000                    13.375                  GLENDALE                                                        AZ                          85306                         1                      2                        1/1/2006                     12/1/2020                    11/28/2005                        2/1/2007
     176.05                       16717.55                       16800                     12.25                  SAN ANTONIO                                                     TX                          78245                         1                      2                       12/1/2005                     11/1/2035                    10/31/2005                        2/1/2007
        668                       69772.19                       70144                        11                  SAINT CLOUD                                                     FL                          34771                         1                      2                        1/1/2006                     12/1/2035                     11/4/2005                        2/1/2007
     207.07                       16317.98                       16800                      12.5                  SAN ANTONIO                                                     TX                          78225                         1                      2                        1/1/2006                     12/1/2020                    11/22/2005                        2/1/2007
    1991.09                      207240.51                      208250                     11.05                  GLENDALE                                                        AZ                          85305                         1                      2                        2/1/2006                      1/1/2036                     12/8/2005                        2/1/2007
     144.53                       15699.08                       15800                      10.5                  JACKSONVILLE                                                    FL                          32206                         1                      2                        1/1/2006                     12/1/2035                     12/1/2005                        2/1/2007
     348.25                        34338.3                       34500                     11.75                  STONE MOUNTAIN                                                  GA                          30088                         1                      2                        2/1/2006                      1/1/2036                    12/23/2005                        2/1/2007
     219.29                       19940.06                       20000                    12.875                  VERNON ROCKVILLE                                                CT                           6066                         3                      2                        3/1/2006                      2/1/2036                     1/10/2006                        2/1/2007
      273.8                       31011.34                       31200                        10                  GRAIN VALLEY                                                    MO                          64029                         2                      2                        2/1/2006                      1/1/2036                    12/30/2005                        2/1/2007
     548.87                       54754.24                       55000                      11.6                  FARMINGTON                                                      MN                          55024                         1                      2                        3/1/2006                      2/1/2036                     1/24/2006                        2/1/2007
     672.08                       74594.06                       75000                     10.25                  HOMESTEAD                                                       FL                          33031                         1                      2                        3/1/2006                      2/1/2036                     1/13/2006                        2/1/2007
     620.16                       52653.45                       52780                    13.875                  NORTH PORT                                                      FL                          34286                         1                      2                        3/1/2006                      2/1/2036                     1/27/2006                        2/1/2007
     486.54                       54008.56                       54295                     10.25                  SAINT CLOUD                                                     FL                          34769                         1                      2                        3/1/2006                      2/1/2036                     1/31/2006                        2/1/2007
     893.18                       88192.16                       88485                     11.75                  ISLE OF WIGHT                                                   VA                          23314                         1                      2                        5/1/2006                      4/1/2036                      3/1/2006                        2/1/2007
     374.13                        38395.8                       38900                    11.125                  NORMAN                                                          OK                          73071                         1                      2                        4/1/2006                      3/1/2036                     2/10/2006                        2/1/2007
     401.75                       35907.01                       36000                    13.125                  SMYRNA                                                          DE                          19977                         1                      2                        4/1/2006                      3/1/2036                     2/10/2006                        2/1/2007
     235.78                       22322.09                       22500                     12.25                  LEHIGH ACRES                                                    FL                          33936                         1                      2                        4/1/2006                      3/1/2036                     2/14/2006                        2/1/2007
     290.48                       27633.08                       27720                     12.25                  BELTON                                                          TX                          76513                         1                      2                        4/1/2006                      3/1/2036                      2/6/2006                        2/1/2007
     151.77                       13564.91                       13600                    13.125                  CORRY                                                           PA                          16407                         2                      2                        4/1/2006                      3/1/2036                     2/10/2006                        2/1/2007
      283.9                       27508.62                       27600                        12                  JACKSONVILLE                                                    FL                          32246                         1                      2                        4/1/2006                      3/1/2036                     2/10/2006                        2/1/2007
     213.28                       17961.72                       18000                        14                  MANCHESTER                                                      CT                           6040                         1                      2                        4/1/2006                      3/1/2036                     2/16/2006                        2/1/2007
     298.15                       30284.83                       30400                    11.375                  THORNTON                                                        CO                          80229                         1                      2                        4/1/2006                      3/1/2036                     2/13/2006                        2/1/2007
     537.67                       59711.02                       60000                     10.25                  GLENDALE                                                        AZ                          85308                         1                      2                        4/1/2006                      3/1/2021                     2/24/2006                        2/1/2007
     325.49                       31249.05                       31350                    12.125                  RISING SUN                                                      IN                          47040                         1                      2                        4/1/2006                      3/1/2036                     2/10/2006                        2/1/2007
     844.26                       76789.72                       77000                    12.875                  SUNRISE                                                         FL                          33322                         1                      2                        4/1/2006                      3/1/2036                     2/24/2006                        2/1/2007
     383.47                       35788.37                       35930                      12.5                  COURTLAND                                                       VA                          23837                         1                      2                        4/1/2006                      3/1/2036                      2/8/2006                        2/1/2007
     331.34                       32846.54                       33000                     11.68                  SAINT PAUL                                                      MN                          55117                         1                      2                        4/1/2006                      3/1/2036                     2/17/2006                        2/1/2007
     239.02                       21745.24                       21800                    12.875                  ATHOL                                                           MA                           1331                         1                      2                        5/1/2006                      4/1/2036                     3/15/2006                        2/1/2007
      227.2                       19927.11                       20000                     13.38                  WATAUGA                                                         TX                          76148                         1                      2                        4/1/2006                      3/1/2036                     2/21/2006                        2/1/2007
     382.65                       33904.61                       33990                     13.25                  OCALA                                                           FL                          34481                         1                      2                        4/1/2006                      3/1/2036                     2/16/2006                        2/1/2007
     355.78                       38328.72                       38500                    10.625                  KISSIMMEE                                                       FL                          34744                         1                      2                        4/1/2006                      3/1/2036                     2/28/2006                        2/1/2007
     295.43                       22963.19                       23000                     15.25                  SALISBURY                                                       NC                          28146                         1                      2                        4/1/2006                      3/1/2036                     2/16/2006                        2/1/2007
     894.97                       85922.35                       86200                    12.125                  WINTER SPRINGS                                                  FL                          32708                         1                      2                        4/1/2006                      3/1/2036                     2/10/2006                        2/1/2007
      564.5                       44802.21                       45000                    14.875                  YOUNGTOWN                                                       AZ                          85363                         1                      2                        4/1/2006                      3/1/2036                     2/17/2006                        2/1/2007
     673.21                       59645.63                       59800                     13.25                  BOYNTON BEACH                                                   FL                          33436                         1                      2                        4/1/2006                      3/1/2036                     2/14/2006                        2/1/2007
     450.19                       43605.31                       43750                    12.005                  LAKELAND                                                        FL                          33810                         1                      2                        4/1/2006                      3/1/2036                     2/17/2006                        2/1/2007
     390.34                       39633.87                       39800                    11.375                  PHOENIX                                                         AZ                          85035                         1                      2                        5/1/2006                      4/1/2036                      3/7/2006                        2/1/2007
     545.02                       53823.33                       53994                     11.75                  JACKSONVILLE                                                    FL                          32218                         1                      2                        5/1/2006                      4/1/2036                     3/17/2006                        2/1/2007
     207.88                       20330.57                       20400                    11.875                  HAINES CITY                                                     FL                          33844                         1                      2                        4/1/2006                      3/1/2036                     2/10/2006                        2/1/2007
      160.9                       15736.29                       15790                    11.875                  WEST PALM BEACH                                                 FL                          33417                         1                      2                        4/1/2006                      3/1/2036                     2/13/2006                        2/1/2007
     423.38                       33689.95                       33750                    14.875                  RIVERDALE                                                       GA                          30296                         1                      2                        4/1/2006                      3/1/2036                     2/17/2006                        2/1/2007
      600.4                       53660.98                       53800                    13.125                  WEST PALM BEACH                                                 FL                          33405                         1                      2                        4/1/2006                      3/1/2036                      2/9/2006                        2/1/2007
     507.18                       48248.34                       48400                     12.25                  PALMETTO                                                        FL                          34221                         1                      2                        4/1/2006                      3/1/2036                     2/15/2006                        2/1/2007
     316.67                       36796.84                       37000                     9.705                  SAINT CLOUD                                                     FL                          34769                         1                      2                        4/1/2006                      3/1/2036                     2/17/2006                        2/1/2007
      481.2                       43384.42                       43500                        13                  JACKSONVILLE                                                    FL                          32244                         1                      2                        4/1/2006                      3/1/2036                     2/13/2006                        2/1/2007
     329.97                       37444.47                       38000                     9.875                  BLOOMINGTON                                                     MN                          55420                         1                      2                        4/1/2006                      3/1/2036                     2/15/2006                        2/1/2007
     343.19                        31189.7                       31300                    12.875                  PALM SPRINGS                                                    FL                          33461                         2                      2                        4/1/2006                      3/1/2036                     2/17/2006                        2/1/2007
     267.53                       24333.38                       24400                    12.875                  ARLINGTON                                                       TX                          76016                         1                      2                        4/1/2006                      3/1/2036                     2/16/2006                        2/1/2007
     285.07                       25929.03                       26000                    12.875                  IRVING                                                          TX                          75060                         1                      2                        4/1/2006                      3/1/2036                     2/16/2006                        2/1/2007
     487.61                       38776.98                       38870                    14.875                  ROCKWALL                                                        TX                          75087                         1                      2                        4/1/2006                      3/1/2036                     2/15/2006                        2/1/2007
      354.3                       31039.07                       31200                    13.375                  TALLAHASSEE                                                     FL                          32303                         1                      2                        4/1/2006                      3/1/2036                     2/28/2006                        2/1/2007
     523.56                       51149.74                       51380                    11.875                  BATON ROUGE                                                     LA                          70810                         1                      2                        4/1/2006                      3/1/2036                     2/13/2006                        2/1/2007
     605.81                       63968.28                       64250                    10.875                  CHICAGO                                                         IL                          60638                         1                      2                        4/1/2006                      3/1/2036                     2/13/2006                        2/1/2007
     630.31                       56788.81                       56980                        13                  BUCKEYE                                                         AZ                          85396                         1                      2                        4/1/2006                      3/1/2036                     2/21/2006                        2/1/2007
     208.91                       22094.34                       22200                     10.85                  TUCSON                                                          AZ                          85712                         1                      2                        4/1/2006                      3/1/2036                     2/15/2006                        2/1/2007
     204.72                       23404.47                       23576                     9.875                  SAN ANTONIO                                                     TX                          78244                         1                      2                        4/1/2006                      3/1/2036                      3/6/2006                        2/1/2007
    1718.29                      164967.06                      165500                    12.125                  TUCSON                                                          AZ                          85749                         1                      2                        4/1/2006                      3/1/2036                      2/8/2006                        2/1/2007
     560.94                       49276.37                       49397                    13.375                  SAINT CLOUD                                                     FL                          34769                         1                      2                        4/1/2006                      3/1/2036                     2/15/2006                        2/1/2007
     560.94                       49276.37                       49397                    13.375                  SAINT CLOUD                                                     FL                          34769                         1                      2                        4/1/2006                      3/1/2036                     2/15/2006                        2/1/2007
     465.32                       43470.71                       43600                      12.5                  PHOENIX                                                         AZ                          85024                         1                      2                        4/1/2006                      3/1/2036                      3/1/2006                        2/1/2007
     668.04                       60230.66                       60391                        13                  TAMPA                                                           FL                          33647                         1                      2                        4/1/2006                      3/1/2036                     2/28/2006                        2/1/2007
     227.97                       23496.48                       23600                     11.18                  LAKELAND                                                        FL                          33801                         1                      2                        4/1/2006                      3/1/2036                      3/2/2006                        2/1/2007
     653.44                       69651.37                       70000                     10.75                  CAPE CORAL                                                      FL                          33990                         1                      2                        4/1/2006                      3/1/2036                     2/24/2006                        2/1/2007
     454.01                       39882.28                       39980                    13.375                  LAKELAND                                                        FL                          33801                         1                      2                        4/1/2006                      3/1/2036                     2/10/2006                        2/1/2007
     313.07                       34968.22                       35140                     10.18                  RIVERTON                                                        UT                          84065                         1                      2                        4/1/2006                      3/1/2036                     2/17/2006                        2/1/2007
     329.84                       27325.09                       27380                     14.25                  GREENSBORO                                                      NC                          27406                         1                      2                        4/1/2006                      3/1/2036                     2/23/2006                        2/1/2007
     394.31                       40834.08                       40998                    11.125                  ORLANDO                                                         FL                          32829                         1                      2                        4/1/2006                      3/1/2036                     2/21/2006                        2/1/2007
     681.52                       59358.65                       59500                      13.5                  NAPLES                                                          FL                          34110                         1                      2                        4/1/2006                      3/1/2036                     2/17/2006                        2/1/2007
     315.56                       35212.69                       35420                     10.18                  RIVERTON                                                        UT                          84065                         1                      2                        4/1/2006                      3/1/2036                     2/16/2006                        2/1/2007
     477.91                       47825.54                       48000                     11.57                  GLENDALE                                                        AZ                          85308                         1                      2                        4/1/2006                      3/1/2036                     2/16/2006                        2/1/2007
     845.17                       66218.53                       66317                    15.125                  CASSELBERRY                                                     FL                          32707                         1                      2                        5/1/2006                      4/1/2036                      3/8/2006                        2/1/2007
     352.26                       37812.61                       37980                     10.67                  SANDY                                                           UT                          84094                         1                      2                        4/1/2006                      3/1/2036                     2/16/2006                        2/1/2007
     441.72                       47519.31                       47800                    10.625                  MANCHESTER                                                      CT                           6042                         2                      2                        4/1/2006                      3/1/2036                     2/10/2006                        2/1/2007
     192.48                        17328.7                       17400                        13                  APOPKA                                                          FL                          32712                         1                      2                        5/1/2006                      4/1/2036                      3/8/2006                        2/1/2007
     253.75                       27613.27                       27740                      10.5                  CYPRESS                                                         TX                          77433                         1                      2                        4/1/2006                      3/1/2036                     2/23/2006                        2/1/2007
     170.26                       18857.44                       19000                     10.25                  INDIANAPOLIS                                                    IN                          46201                         1                      2                        5/1/2006                      4/1/2036                     3/21/2006                        2/1/2007
     289.58                       26525.71                       26600                    12.775                  LITHONIA                                                        GA                          30058                         1                      2                        4/1/2006                      3/1/2036                     2/14/2006                        2/1/2007
     225.79                       22715.62                       22800                      11.5                  OKLAHOMA CITY                                                   OK                          73159                         1                      2                        4/1/2006                      3/1/2036                     2/22/2006                        2/1/2007
     103.33                       11838.06                       11900                     9.875                  BROKEN ARROW                                                    OK                          74012                         2                      2                        4/1/2006                      3/1/2036                     2/14/2006                        2/1/2007
     616.44                       46122.07                       46186                    15.875                  ORLANDO                                                         FL                          32807                         1                      2                        4/1/2006                      3/1/2036                     2/13/2006                        2/1/2007
     166.85                       17448.02                       17520                        11                  WEST PALM BEACH                                                 FL                          33407                         1                      2                        4/1/2006                      3/1/2036                     2/21/2006                        2/1/2007
     508.72                       52294.28                       52500                     11.22                  MOUNT PROSPECT                                                  IL                          60056                         1                      2                        4/1/2006                      3/1/2036                     2/27/2006                        2/1/2007
     195.05                        15770.9                       15800                    14.625                  UPPER DARBY                                                     PA                          19082                         1                      2                        4/1/2006                      3/1/2036                     2/10/2006                        2/1/2007
     143.36                       14938.94                       15000                    11.045                  CHIPPEWA FALLS                                                  WI                          54729                         1                      2                        4/1/2006                      3/1/2036                     2/16/2006                        2/1/2007
     270.89                       22827.55                       23250                     13.75                  TUCSON                                                          AZ                          85730                         1                      2                        4/1/2006                      3/1/2036                     2/10/2006                        2/1/2007
     214.19                       22482.81                       22945                     10.75                  CYPRESS                                                         TX                          77433                         1                      2                        4/1/2006                      3/1/2036                     2/28/2006                        2/1/2007
     448.04                       44812.04                       45000                     11.57                  SALT LAKE CITY                                                  UT                          84117                         1                      2                        4/1/2006                      3/1/2036                     2/17/2006                        2/1/2007
    1087.79                      112167.94                      112613                     11.18                  SANFORD                                                         FL                          32771                         1                      2                        4/1/2006                      3/1/2036                     2/22/2006                        2/1/2007
     477.33                       42293.45                       42400                     13.25                  WILLIMANTIC                                                     CT                           6226                         3                      2                        4/1/2006                      3/1/2036                     2/28/2006                        2/1/2007
     484.84                       44072.91                       44220                    12.875                  TUCSON                                                          AZ                          85746                         1                      2                        4/1/2006                      3/1/2036                     2/14/2006                        2/1/2007
     478.28                       47825.89                       48000                     11.58                  WINTER PARK                                                     FL                          32792                         1                      2                        4/1/2006                      3/1/2036                     2/22/2006                        2/1/2007
     464.88                        47220.4                       47400                    11.375                  PORT SAINT LUCIE                                                FL                          34952                         1                      2                        4/1/2006                      3/1/2036                     2/16/2006                        2/1/2007
     301.25                       28398.14                       28485                    12.375                  TAMPA                                                           FL                          33610                         1                      2                        4/1/2006                      3/1/2021                     2/28/2006                        2/1/2007
     451.54                        51682.1                       52000                     9.875                  SAINT PETERSBURG                                                FL                          33710                         1                      2                        4/1/2006                      3/1/2036                     2/28/2006                        2/1/2007
     404.49                       38479.02                       38600                     12.25                  NORTH LAUDERDALE                                                FL                          33068                         1                      2                        4/1/2006                      3/1/2036                     2/17/2006                        2/1/2007
     419.46                       38491.68                       38600                     12.75                  PORT SAINT LUCIE                                                FL                          34983                         1                      2                        4/1/2006                      3/1/2036                     2/15/2006                        2/1/2007
     237.83                       21442.93                       21500                        13                  SIMPSONVILLE                                                    SC                          29680                         1                      2                        4/1/2006                      3/1/2036                     2/27/2006                        2/1/2007
     265.94                       24188.77                       24255                    12.875                  PHOENIX                                                         AZ                          85017                         1                      2                        4/1/2006                      3/1/2036                     2/17/2006                        2/1/2007
     288.33                       34008.54                       34200                      9.53                  LAS CRUCES                                                      NM                          88011                         1                      2                        4/1/2006                      3/1/2036                     2/16/2006                        2/1/2007
     288.34                       37265.46                       37500                       8.5                  GILBERTSVILLE                                                   KY                          42044                         1                      2                        5/1/2006                      4/1/2036                      3/7/2006                        2/1/2007
     852.75                       72411.08                       72575                    13.875                  DELTONA                                                         FL                          32725                         1                      2                        4/1/2006                      3/1/2036                     2/27/2006                        2/1/2007
     320.16                       31021.95                       31125                        12                  KENNESAW                                                        GA                          30144                         1                      2                        4/1/2006                      3/1/2036                     2/17/2006                        2/1/2007
     262.12                       23920.22                       24000                     12.82                  MOUNT DORA                                                      FL                          32757                         1                      2                        4/1/2006                      3/1/2036                     2/27/2006                        2/1/2007
     280.11                       27651.09                       27750                     11.75                  SAINT PETERSBURG                                                FL                          33705                         1                      2                        5/1/2006                      4/1/2036                      3/7/2006                        2/1/2007
     740.91                       77470.62                       77800                        11                  CHICAGO                                                         IL                          60646                         1                      2                        5/1/2006                      4/1/2021                     3/16/2006                        2/1/2007
     317.03                       36629.17                       36900                      9.75                  COMMERCE CITY                                                   CO                          80022                         1                      2                        4/1/2006                      3/1/2036                     2/14/2006                        2/1/2007
     701.69                       64965.93                       65154                    12.625                  SAINT CLOUD                                                     FL                          34769                         1                      2                        4/1/2006                      3/1/2036                     2/28/2006                        2/1/2007
     253.03                       25097.46                       25200                     11.68                  MAGNA                                                           UT                          84044                         1                      2                        4/1/2006                      3/1/2036                     2/16/2006                        2/1/2007
     607.92                       53864.32                       54000                     13.25                  LAWRENCEVILLE                                                   GA                          30043                         1                      2                        4/1/2006                      3/1/2036                      3/3/2006                        2/1/2007
     428.88                       41265.73                       41400                    12.095                  LEESBURG                                                        FL                          34748                         1                      2                        4/1/2006                      3/1/2036                     2/28/2006                        2/1/2007
     382.52                       35084.77                       35200                     12.75                  ORLANDO                                                         FL                          32807                         1                      2                        5/1/2006                      4/1/2036                     3/10/2006                        2/1/2007
     757.92                       68070.89                       68250                    13.055                  FLOWER MOUND                                                    TX                          75028                         1                      2                        4/1/2006                      3/1/2036                     2/15/2006                        2/1/2007
     281.91                       31308.55                       31460                     10.25                  TUCSON                                                          AZ                          85713                         1                      2                        4/1/2006                      3/1/2036                     2/22/2006                        2/1/2007
      238.1                        24418.5                       24514                     11.25                  DANVILLE                                                        IN                          46122                         1                      2                        4/1/2006                      3/1/2036                     2/13/2006                        2/1/2007
     652.32                       61973.64                       62250                     12.25                  NEW CASTLE                                                      DE                          19720                         1                      2                        4/1/2006                      3/1/2036                      3/3/2006                        2/1/2007
     201.05                       15875.65                       15900                        15                  WARSAW                                                          KY                          41095                         1                      2                        5/1/2006                      4/1/2036                     3/13/2006                        2/1/2007
     204.56                       18697.97                       18750                    12.805                  FARGO                                                           ND                          58102                         1                      2                        4/1/2006                      3/1/2036                     2/27/2006                        2/1/2007
     436.99                       42753.89                       42900                     11.87                  DOUGLASVILLE                                                    GA                          30134                         1                      2                        4/1/2006                      3/1/2036                     2/28/2006                        2/1/2007
      551.8                       50437.68                       50578                    12.805                  ARLINGTON                                                       TX                          76018                         1                      2                        4/1/2006                      3/1/2036                      3/1/2006                        2/1/2007
      302.1                       27721.96                       27800                     12.75                  LAFAYETTE                                                       LA                          70506                         1                      2                        4/1/2006                      3/1/2036                     2/27/2006                        2/1/2007
      830.8                       88614.22                       89000                     10.75                  BOCA RATON                                                      FL                          33428                         1                      2                        4/1/2006                      3/1/2036                     2/23/2006                        2/1/2007
     401.24                       39305.56                       39750                     11.75                  BULLHEAD CITY                                                   AZ                          86442                         1                      2                        5/1/2006                      4/1/2036                     3/20/2006                        2/1/2007
     223.32                       21159.28                       21225                    12.305                  BATON ROUGE                                                     LA                          70817                         1                      2                        4/1/2006                      3/1/2036                     2/22/2006                        2/1/2007
     657.48                       64277.81                       64497                     11.88                  DOUGLASVILLE                                                    GA                          30135                         1                      2                        4/1/2006                      3/1/2036                     2/17/2006                        2/1/2007
     366.07                       34181.68                       34300                      12.5                  HIGH POINT                                                      NC                          27265                         1                      2                        4/1/2006                      3/1/2036                      3/6/2006                        2/1/2007
     272.66                       40124.19                       40471                     7.125                  HAMPTON                                                         GA                          30228                         1                      2                        5/1/2006                      4/1/2036                      3/3/2006                        2/1/2007
     286.04                       30315.24                       30445                     10.83                  WEST DES MOINES                                                 IA                          50265                         1                      2                        4/1/2006                      3/1/2036                     2/21/2006                        2/1/2007
        503                       47849.47                       48000                     12.25                  TAMARAC                                                         FL                          33321                         1                      2                        4/1/2006                      3/1/2021                     2/27/2006                        2/1/2007
     843.13                       78788.13                       79000                      12.5                  HIALEAH                                                         FL                          33014                         1                      2                        5/1/2006                      4/1/2036                     3/14/2006                        2/1/2007
     430.58                        50923.9                       51208                       9.5                  NORTH LAS VEGAS                                                 NV                          89081                         1                      2                        5/1/2006                      4/1/2036                      3/8/2006                        2/1/2007
     261.11                       24543.25                       25000                    12.205                  COLORADO SPRINGS                                                CO                          80922                         1                      2                        4/1/2006                      3/1/2036                     2/28/2006                        2/1/2007
     778.91                       89190.53                       89700                     9.875                  HIGHLAND VILLAGE                                                TX                          75077                         1                      2                        4/1/2006                      3/1/2021                     2/22/2006                        2/1/2007
    1548.04                      131793.04                      134000                    13.625                  HOCKESSIN                                                       DE                          19707                         1                      2                        4/1/2006                      3/1/2036                     2/22/2006                        2/1/2007
    1194.78                      116772.31                      117250                    11.875                  KISSIMMEE                                                       FL                          34744                         1                      2                        4/1/2006                      3/1/2036                     2/23/2006                        2/1/2007
     716.68                       70751.92                       71000                     11.75                  WEST PALM BEACH                                                 FL                          33406                         1                      2                        4/1/2006                      3/1/2036                     2/24/2006                        2/1/2007
     763.92                       72693.37                       72900                     12.25                  BURBANK                                                         IL                          60459                         1                      2                        5/1/2006                      4/1/2036                      3/3/2006                        2/1/2007
     164.66                       14467.98                       14500                    13.375                  NORTH FORT MYERS                                                FL                          33903                         1                      2                        5/1/2006                      4/1/2036                     3/16/2006                        2/1/2007
     537.78                       45380.05                       46157                     13.75                  SAINT CLOUD                                                     FL                          34769                         1                      2                        4/1/2006                      3/1/2036                     2/28/2006                        2/1/2007
     371.22                       40548.82                       41000                    10.375                  HARTFORD                                                        CT                           6112                         3                      2                        5/1/2006                      4/1/2036                      3/7/2006                        2/1/2007
     517.31                       55730.98                       55980                    10.625                  LAKE WORTH                                                      FL                          33463                         1                      2                        4/1/2006                      3/1/2036                     2/22/2006                        2/1/2007
     171.76                       15957.78                       16000                     12.58                  AKRON                                                           OH                          44313                         2                      2                        5/1/2006                      4/1/2036                      3/3/2006                        2/1/2007
     171.76                       15957.78                       16000                     12.58                  AKRON                                                           OH                          44313                         2                      2                        5/1/2006                      4/1/2036                      3/3/2006                        2/1/2007
     194.69                       17553.26                       17600                        13                  KALISPELL                                                       MT                          59901                         1                      2                        4/1/2006                      3/1/2036                     2/16/2006                        2/1/2007
     299.97                       24854.82                       24900                     14.25                  FORT WORTH                                                      TX                          76119                         1                      2                        5/1/2006                      4/1/2036                     3/16/2006                        2/1/2007
     479.83                       54716.72                       55000                      9.93                  BAY PORT                                                        MN                          55003                         1                      2                        4/1/2006                      3/1/2036                     2/24/2006                        2/1/2007
     679.45                       53082.92                       54250                    12.805                  DALLAS                                                          TX                          75214                         1                      2                        4/1/2006                      3/1/2021                     2/24/2006                        2/1/2007
     520.79                       59716.78                       60000                      9.87                  GEORGETOWN                                                      CO                          80444                         1                      2                        5/1/2006                      4/1/2036                      3/6/2006                        2/1/2007
     292.64                       30783.38                       30900                     10.93                  PROSPECT HEIGHTS                                                IL                          60070                         1                      2                        5/1/2006                      4/1/2036                      3/9/2006                        2/1/2007
     595.61                       68625.07                       69000                     9.805                  TARPON SPRINGS                                                  FL                          34689                         1                      2                        4/1/2006                      3/1/2036                     2/17/2006                        2/1/2007
     602.18                       57779.93                       58000                    12.125                  PALM BAY                                                        FL                          32907                         1                      2                        4/1/2006                      3/1/2036                     2/21/2006                        2/1/2007
     532.88                       47626.64                       47750                    13.125                  HAINES CITY                                                     FL                          33844                         1                      2                        4/1/2006                      3/1/2036                     2/27/2006                        2/1/2007
     236.72                       22733.58                       22800                    12.125                  NEWPORT                                                         KY                          41071                         1                      2                        5/1/2006                      4/1/2021                      3/8/2006                        2/1/2007
     544.83                       53564.35                       53750                    11.805                  BRANDON                                                         FL                          33511                         1                      2                        4/1/2006                      3/1/2036                     2/28/2006                        2/1/2007
     411.66                       40646.26                       41000                     11.68                  PHOENIX                                                         AZ                          85027                         1                      2                        4/1/2006                      3/1/2036                     2/17/2006                        2/1/2007
     618.69                       70108.64                       70500                        10                  HORIZON CITY                                                    TX                          79928                         1                      2                        4/1/2006                      3/1/2036                     2/27/2006                        2/1/2007
     256.45                       31761.73                       32000                     8.955                  SAHUARITA                                                       AZ                          85629                         1                      2                        4/1/2006                      3/1/2036                      3/6/2006                        2/1/2007
     561.37                       53968.21                       54250                     12.08                  CORINTH                                                         TX                          76208                         1                      2                        5/1/2006                      4/1/2036                      3/6/2006                        2/1/2007
     253.42                       27846.32                       27990                    10.375                  SANFORD                                                         FL                          32771                         1                      2                        4/1/2006                      3/1/2036                     2/28/2006                        2/1/2007
      359.9                       25246.41                       32250                    13.125                  HOMOSASSA                                                       FL                          34448                         1                      2                        4/1/2006                      3/1/2036                      3/1/2006                        2/1/2007
     347.52                       39399.05                       39600                        10                  ORLANDO                                                         FL                          32822                         1                      2                        4/1/2006                      3/1/2036                      3/2/2006                        2/1/2007
     601.51                       47866.52                       47950                    14.875                  COLCHESTER                                                      CT                           6415                         2                      2                        4/1/2006                      3/1/2036                     2/28/2006                        2/1/2007
     357.17                       37853.99                       38016                     10.83                  CAPE CORAL                                                      FL                          33914                         1                      2                        4/1/2006                      3/1/2036                      3/1/2006                        2/1/2007
      308.8                       32857.87                       33000                     10.78                  ARVADA                                                          CO                          80003                         1                      2                        4/1/2006                      3/1/2036                     2/28/2006                        2/1/2007
      253.3                       29651.95                       29800                     9.625                  HYATTSVILLE                                                     MD                          20785                         1                      2                        5/1/2006                      4/1/2036                      3/3/2006                        2/1/2007
     3566.5                      348809.72                      350000                    11.875                  CELEBRATION                                                     FL                          34747                         1                      2                        4/1/2006                      3/1/2036                     2/27/2006                        2/1/2007
     283.43                       26718.27                       26800                    12.375                  CINCINNATI                                                      OH                          45219                         2                      2                        4/1/2006                      3/1/2036                     2/27/2006                        2/1/2007
     125.75                       11962.37                       12000                     12.25                  DAYTON                                                          OH                          45406                         1                      2                        4/1/2006                      3/1/2036                     2/27/2006                        2/1/2007
      323.6                       30057.11                       30145                     12.58                  SAINT PAUL                                                      MN                          55102                         1                      2                        4/1/2006                      3/1/2036                     2/24/2006                        2/1/2007
     459.28                       44083.71                       44236                    12.125                  SAINT CLOUD                                                     FL                          34769                         1                      2                        4/1/2006                      3/1/2021                     2/28/2006                        2/1/2007
     373.48                       36870.72                       37000                     11.75                  SANFORD                                                         FL                          32771                         1                      2                        4/1/2006                      3/1/2036                     2/28/2006                        2/1/2007
     594.17                       59799.81                       60000                      11.5                  OCALA                                                           FL                          34473                         1                      2                        5/1/2006                      4/1/2036                      3/2/2006                        2/1/2007
     474.34                       46406.85                       46550                    11.875                  GOLDEN VALLEY                                                   AZ                          86413                         1                      2                        5/1/2006                      4/1/2036                     3/10/2006                        2/1/2007
     479.58                       42503.25                       42600                     13.25                  HIALEAH                                                         FL                          33015                         1                      2                        5/1/2006                      4/1/2036                     3/15/2006                        2/1/2007
     141.32                       13907.56                       14000                     11.75                  NEW CASTLE                                                      DE                          19720                         1                      2                        4/1/2006                      3/1/2036                     2/24/2006                        2/1/2007
     772.28                       79664.09                       79950                     11.18                  SAHUARITA                                                       AZ                          85629                         1                      2                        5/1/2006                      4/1/2036                      3/6/2006                        2/1/2007
     956.74                       77357.21                       77500                    14.625                  PALM BEACH GARDENS                                              FL                          33418                         1                      2                        4/1/2006                      3/1/2036                     2/24/2006                        2/1/2007
     292.04                       26001.23                       26400                        13                  DULUTH                                                          MN                          55805                         2                      2                        5/1/2006                      4/1/2036                      3/7/2006                        2/1/2007
     210.05                       23101.57                       23200                    10.375                  YUKON                                                           OK                          73099                         1                      2                        5/1/2006                      4/1/2036                      3/6/2006                        2/1/2007
      461.5                       49758.56                       49960                     10.62                  MIAMI                                                           FL                          33147                         1                      2                        5/1/2006                      4/1/2036                      3/2/2006                        2/1/2007
     151.38                       17162.49                       17250                        10                  EL PASO                                                         TX                          79924                         1                      2                        4/1/2006                      3/1/2036                      3/1/2006                        2/1/2007
     453.45                          48827                       49070                    10.625                  MESQUITE                                                        TX                          75181                         1                      2                        4/1/2006                      3/1/2036                      3/1/2006                        2/1/2007
     573.74                       54859.82                       55035                     12.18                  AURORA                                                          CO                          80015                         1                      2                        4/1/2006                      3/1/2036                      3/1/2006                        2/1/2007
     195.84                       16865.04                       16900                     13.67                  SOUTH CHARLESTON                                                OH                          45368                         1                      2                        5/1/2006                      4/1/2036                     3/10/2006                        2/1/2007
     800.89                       90240.46                       90650                     10.08                  SCOTTSDALE                                                      AZ                          85251                         1                      2                        5/1/2006                      4/1/2036                      3/8/2006                        2/1/2007
     162.63                       13472.92                       13500                     14.25                  INDIANAPOLIS                                                    IN                          46222                         1                      2                        4/1/2006                      3/1/2036                     2/27/2006                        2/1/2007
     421.23                       47744.28                       48000                        10                  FORT WORTH                                                      TX                          76105                         2                      2                        5/1/2006                      4/1/2036                     3/16/2006                        2/1/2007
     421.23                          47744                       48000                        10                  FT WORTH                                                        TX                          76105                         2                      2                        5/1/2006                      4/1/2036                     3/16/2006                        2/1/2007
     326.23                       27740.88                       28000                     13.75                  GALLATIN                                                        TN                          37066                         2                      2                        5/1/2006                      4/1/2036                      3/7/2006                        2/1/2007
     357.94                       31143.81                       31250                      13.5                  GREENWOOD                                                       IN                          46143                         1                      2                        4/1/2006                      3/1/2036                     2/27/2006                        2/1/2007
     939.59                       73603.71                       73725                    15.125                  WEST VALLEY CITY                                                UT                          84120                         4                      2                        4/1/2006                      3/1/2036                      3/6/2006                        2/1/2007
     369.24                       30346.45                       30400                    14.375                  INDIANAPOLIS                                                    IN                          46234                         1                      2                        5/1/2006                      4/1/2036                      3/7/2006                        2/1/2007
    1752.36                      137273.95                      137500                    15.125                  SAINT PETERSBURG                                                FL                          33705                         1                      2                        4/1/2006                      3/1/2036                     2/28/2006                        2/1/2007
     328.93                       29925.96                       30000                    12.875                  OKLAHOMA CITY                                                   OK                          73122                         1                      2                        5/1/2006                      4/1/2036                     3/15/2006                        2/1/2007
     849.11                       73336.53                       73500                    13.625                  PALM COAST                                                      FL                          32164                         1                      2                        5/1/2006                      4/1/2036                      3/2/2006                        2/1/2007
     210.92                       24302.78                       24550                      9.75                  SAN ANTONIO                                                     TX                          78247                         1                      2                        5/1/2006                      4/1/2036                      3/2/2006                        2/1/2007
     307.75                       36783.04                       37000                     9.375                  AURORA                                                          CO                          80013                         1                      2                        4/1/2006                      3/1/2036                      3/2/2006                        2/1/2007
     251.99                       21952.75                       22000                      13.5                  GRANBURY                                                        TX                          76049                         1                      2                        5/1/2006                      4/1/2036                     3/15/2006                        2/1/2007
     489.01                       44873.68                       45000                     12.75                  BEAVERCREEK                                                     OH                          45432                         1                      2                        4/1/2006                      3/1/2036                      3/1/2006                        2/1/2007
     164.47                        14962.9                       15000                    12.875                  INDIANAPOLIS                                                    IN                          46220                         1                      2                        5/1/2006                      4/1/2036                     3/14/2006                        2/1/2007
     130.25                        14929.3                       15000                     9.875                  NORTH VERNON                                                    IN                          47265                         1                      2                        5/1/2006                      4/1/2036                     3/15/2006                        2/1/2007
     464.74                        48599.5                       48800                        11                  SANFORD                                                         FL                          32773                         1                      2                        4/1/2006                      3/1/2021                     2/28/2006                        2/1/2007
     1596.7                      116831.67                      116980                     16.25                  PONCE INLET                                                     FL                          32127                         1                      2                        4/1/2006                      3/1/2036                      3/1/2006                        2/1/2007
      327.5                       28776.33                       28840                    13.375                  PALM BAY                                                        FL                          32908                         1                      2                        5/1/2006                      4/1/2036                     3/10/2006                        2/1/2007
     122.86                        13935.7                       14000                        10                  SAN ANTONIO                                                     TX                          78203                         2                      2                        5/1/2006                      4/1/2036                      3/8/2006                        2/1/2007
     373.45                       30773.42                       31000                     14.25                  MARGATE                                                         FL                          33063                         1                      2                        5/1/2006                      4/1/2036                      3/9/2006                        2/1/2007
     228.89                       18965.57                       19000                     14.25                  INDIANAPOLIS                                                    IN                          46224                         1                      2                        5/1/2006                      4/1/2036                     3/13/2006                        2/1/2007
     398.67                       35943.99                       36040                        13                  TAMPA                                                           FL                          33612                         1                      2                        4/1/2006                      3/1/2036                      3/3/2006                        2/1/2007
     756.16                       71302.85                       71500                    12.375                  GLENVIEW                                                        IL                          60025                         1                      2                        5/1/2006                      4/1/2036                     3/22/2006                        2/1/2007
     427.02                       44237.28                       44398                    11.125                  SAINT CLOUD                                                     FL                          34769                         1                      2                        5/1/2006                      4/1/2021                      3/8/2006                        2/1/2007
     199.23                       16657.66                       17100                     13.75                  SAN ANTONIO                                                     TX                          78247                         1                      2                        5/1/2006                      4/1/2036                     3/21/2006                        2/1/2007
    1586.36                      149586.34                      150000                    12.375                  PORT ORANGE                                                     FL                          32128                         1                      2                        5/1/2006                      4/1/2021                     3/17/2006                        2/1/2007
     272.44                       32234.81                       32400                       9.5                  FISHERS                                                         IN                          46037                         1                      2                        5/1/2006                      4/1/2036                     3/10/2006                        2/1/2007
     453.99                       37927.11                       37998                    14.125                  SAINT CLOUD                                                     FL                          34769                         1                      2                        5/1/2006                      4/1/2036                      3/8/2006                        2/1/2007
     499.39                       41720.03                       41798                    14.125                  SAINT CLOUD                                                     FL                          34769                         1                      2                        5/1/2006                      4/1/2036                      3/8/2006                        2/1/2007
     255.76                       27844.42                       27960                      10.5                  HAMPTON                                                         GA                          30228                         1                      2                        5/1/2006                      4/1/2036                     3/10/2006                        2/1/2007
     379.94                       37876.57                       38000                    11.625                  WEST PALM BEACH                                                 FL                          33415                         1                      2                        5/1/2006                      4/1/2036                      3/7/2006                        2/1/2007
    1762.48                      149703.87                      150000                    13.875                  SURPRISE                                                        AZ                          85379                         1                      2                        5/1/2006                      4/1/2021                     3/24/2006                        2/1/2007
     411.01                       34910.96                       34980                    13.875                  ORLANDO                                                         FL                          32808                         1                      2                        5/1/2006                      4/1/2036                     3/15/2006                        2/1/2007
      580.6                       56801.67                       56977                    11.875                  ALBUQUERQUE                                                     NM                          87105                         1                      2                        5/1/2006                      4/1/2036                     3/15/2006                        2/1/2007
     499.13                          48849                       49000                     11.87                  SAINT PAUL                                                      MN                          55119                         1                      2                        5/1/2006                      4/1/2036                      3/9/2006                        2/1/2007
     651.49                       70216.17                       70500                    10.625                  SCOTTSDALE                                                      AZ                          85255                         1                      2                        5/1/2006                      4/1/2036                     3/14/2006                        2/1/2007
     448.16                       43831.27                       43980                    11.875                  JACKSONVILLE                                                    FL                          32218                         1                      2                        5/1/2006                      4/1/2036                     3/16/2006                        2/1/2007
     489.44                       45737.03                       45860                      12.5                  NORTH PORT                                                      FL                          34286                         1                      2                        5/1/2006                      4/1/2036                     3/17/2006                        2/1/2007
     505.06                       51751.58                       52000                     11.25                  AVONDALE                                                        AZ                          85323                         1                      2                        5/1/2006                      4/1/2036                     3/22/2006                        2/1/2007
     453.45                       43967.82                       44100                    11.995                  TUCSON                                                          AZ                          85710                         1                      2                        5/1/2006                      4/1/2036                     3/10/2006                        2/1/2007
      685.6                       60761.65                       60900                     13.25                  CATONSVILLE                                                     MD                          21228                         1                      2                        5/1/2006                      4/1/2036                     3/10/2006                        2/1/2007
     712.14                       64469.91                       64950                    12.875                  ATLANTA                                                         GA                          30342                         1                      2                        5/1/2006                      4/1/2036                     3/17/2006                        2/1/2007
     207.96                       16020.65                       21000                      11.5                  FARGO                                                           ND                          58103                         3                      2                        5/1/2006                      4/1/2036                     3/13/2006                        2/1/2007
     706.01                       67743.77                       68000                    12.125                  SUNRISE                                                         FL                          33322                         1                      2                        5/1/2006                      4/1/2036                     3/16/2006                        2/1/2007
     485.65                       42308.28                       42400                      13.5                  DAVIE                                                           FL                          33314                         1                      2                        5/1/2006                      4/1/2036                     3/15/2006                        2/1/2007
     322.97                       24915.05                       24950                    15.375                  PITTSFIELD                                                      MA                           1201                         4                      2                        5/1/2006                      4/1/2036                     3/21/2006                        2/1/2007
     180.76                       17181.41                       17250                     12.25                  PALMETTO                                                        GA                          30268                         1                      2                        5/1/2006                      4/1/2036                     3/13/2006                        2/1/2007
     448.25                       41887.32                       42000                      12.5                  KISSIMMEE                                                       FL                          34758                         1                      2                        5/1/2006                      4/1/2021                     3/10/2006                        2/1/2007
     316.87                       28828.66                       28900                    12.875                  TARPON SPRINGS                                                  FL                          34689                         1                      2                        5/1/2006                      4/1/2036                     3/16/2006                        2/1/2007
     292.01                       31472.81                       31600                    10.625                  PAISLEY                                                         FL                          32767                         1                      2                        5/1/2006                      4/1/2036                      3/8/2006                        2/1/2007
     183.42                       17944.62                       18000                    11.875                  HARTFORD                                                        CT                           6112                         1                      2                        5/1/2006                      4/1/2036                     3/22/2006                        2/1/2007
    2374.71                      219924.61                      220500                    12.625                  ELMWOOD PARK                                                    IL                          60707                         3                      2                        5/1/2006                      4/1/2036                     3/21/2006                        2/1/2007
     416.43                        37864.3                       37980                    12.875                  WEST PALM BEACH                                                 FL                          33406                         1                      2                        5/1/2006                      4/1/2036                     3/22/2006                        2/1/2007
     920.76                       94466.05                       94800                     11.25                  MURRIETA                                                        CA                          92563                         1                      2                        5/1/2006                      4/1/2036                     3/28/2006                        2/1/2007
      295.3                       28084.86                       28180                     12.25                  BARNESVILLE                                                     MN                          56514                         1                      2                        5/1/2006                      4/1/2036                     3/17/2006                        2/1/2007
     348.76                        30909.7                       30980                     13.25                  JACKSONVILLE                                                    FL                          32246                         1                      2                        5/1/2006                      4/1/2036                     3/22/2006                        2/1/2007
     560.78                       50132.63                       50250                    13.125                  WESTON                                                          FL                          33331                         1                      2                        5/1/2006                      4/1/2036                     3/15/2006                        2/1/2007
      557.6                       45100.76                       45168                    14.625                  MOUNT DORA                                                      FL                          32757                         1                      2                        5/1/2006                      4/1/2036                     3/20/2006                        2/1/2007
    1208.04                       95336.51                       96300                    14.875                  CLEARWATER                                                      FL                          33756                         4                      2                        5/1/2006                      4/1/2036                     3/23/2006                        2/1/2007
     523.99                       49862.29                       50004                     12.25                  KISSIMMEE                                                       FL                          34758                         1                      2                        5/1/2006                      4/1/2036                     3/17/2006                        2/1/2007
    1903.89                      174755.23                      175200                     12.75                  DANIA BEACH                                                     FL                          33312                         1                      2                        5/1/2006                      4/1/2036                     3/17/2006                        2/1/2007
      376.6                       38266.29                       38398                    11.375                  SAINT CLOUD                                                     FL                          34769                         1                      2                        5/1/2006                      4/1/2021                     3/22/2006                        2/1/2007
     510.96                       38508.62                       38574                     15.75                  NEW LONDON                                                      WI                          54961                         1                      2                        5/1/2006                      4/1/2036                     3/20/2006                        2/1/2007
      98.57                       10949.81                       11000                     10.25                  INDIANAPOLIS                                                    IN                          46203                         1                      2                        5/1/2006                      4/1/2036                     3/22/2006                        2/1/2007
     528.96                       46477.07                       46580                    13.375                  ORLANDO                                                         FL                          32821                         1                      2                        5/1/2006                      4/1/2021                     3/23/2006                        2/1/2007
     212.38                       24088.78                       24200                        10                  EL PASO                                                         TX                          79936                         1                      2                        5/1/2006                      4/1/2021                     3/28/2006                        2/1/2007
     356.81                       31630.62                       31695                     13.25                  LAFAYETTE                                                       LA                          70506                         1                      2                        6/1/2006                      5/1/2036                     4/21/2006                        2/1/2007
      93.13                        9199.87                        9226                     11.75                  WHITELAND                                                       IN                          46184                         1                      2                        6/1/2006                      5/1/2036                     4/11/2006                        2/1/2007
     199.92                       25837.36                       26000                       8.5                  FLORENCE                                                        KY                          41042                         1                      2                        5/1/2006                      4/1/2036                     3/31/2006                        2/1/2007
     671.13                       69149.67                       69397                    11.195                  WINTER HAVEN                                                    FL                          33884                         1                      2                        5/1/2006                      4/1/2036                     3/17/2006                        2/1/2007
     941.97                       87236.73                       87465                    12.625                  CAPE CORAL                                                      FL                          33993                         1                      2                        5/1/2006                      4/1/2036                     3/29/2006                        2/1/2007
     663.04                       71641.09                       72041                    10.575                  MARANA                                                          AZ                          85653                         1                      2                        5/1/2006                      4/1/2036                     3/13/2006                        2/1/2007
     284.96                       23174.66                       24600                    11.345                  SHELBYVILLE                                                     TN                          37160                         1                      2                        4/1/2006                      3/1/2021                     2/17/2006                        2/1/2007
     214.36                       24829.24                       24950                      9.75                  JONESBORO                                                       GA                          30236                         1                      2                        5/1/2006                      4/1/2036                     3/29/2006                        2/1/2007
     303.89                       28562.72                       29000                     12.25                  AURORA                                                          CO                          80013                         1                      2                        4/1/2006                      3/1/2036                     2/14/2006                        2/1/2007
     342.36                       35484.91                       35950                        11                  SUITLAND                                                        MD                          20746                         1                      2                        5/1/2006                      4/1/2036                     3/23/2006                        2/1/2007
     656.83                       74121.87                       74500                    10.055                  AVONDALE                                                        AZ                          85323                         1                      2                        5/1/2006                      4/1/2036                      3/9/2006                        2/1/2007
     234.51                        21143.2                       21200                        13                  BOSSIER CITY                                                    LA                          71112                         1                      2                        4/1/2006                      3/1/2036                     2/24/2006                        2/1/2007
     418.48                       48248.01                       48480                     9.805                  KISSIMMEE                                                       FL                          34759                         1                      2                        5/1/2006                      4/1/2036                     3/29/2006                        2/1/2007
     672.44                          60642                       60788                        13                  CAPE CORAL                                                      FL                          33904                         1                      2                        5/1/2006                      4/1/2036                     3/29/2006                        2/1/2007
      365.2                       36609.16                       36750                    11.545                  RICHLAND HILLS                                                  TX                          76118                         1                      2                        5/1/2006                      4/1/2036                     3/17/2006                        2/1/2007
     606.07                        62173.7                       62400                     11.25                  PORT RICHEY                                                     FL                          34668                         1                      2                        5/1/2006                      4/1/2036                     3/24/2006                        2/1/2007
     319.48                       33819.63                       33950                     10.85                  FOREST HILL                                                     TX                          76140                         1                      2                        5/1/2006                      4/1/2036                     3/21/2006                        2/1/2007
     339.31                       34382.13                       36000                     10.87                  LOCKPORT                                                        IL                          60441                         1                      2                        5/1/2006                      4/1/2036                     3/30/2006                        2/1/2007
     458.16                       45058.82                       45200                    11.805                  PHOENIX                                                         AZ                          85029                         1                      2                        5/1/2006                      4/1/2036                     3/13/2006                        2/1/2007
     422.78                       44787.03                       45750                    10.625                  SCOTTSDALE                                                      AZ                          85250                         1                      2                        5/1/2006                      4/1/2036                     3/22/2006                        2/1/2007
     635.68                       61634.34                       61800                        12                  OVIEDO                                                          FL                          32765                         1                      2                        6/1/2006                      5/1/2036                      4/3/2006                        2/1/2007
    1521.31                      136782.54                      138750                    12.875                  SANFORD                                                         FL                          32771                         1                      2                        5/1/2006                      4/1/2036                     3/20/2006                        2/1/2007
     800.87                       91372.06                       91800                      9.93                  BRADENTON                                                       FL                          34212                         1                      2                        5/1/2006                      4/1/2036                      3/6/2006                        2/1/2007
     558.82                       54164.31                       54327                        12                  BUCKEYE                                                         AZ                          85326                         1                      2                        5/1/2006                      4/1/2036                     3/29/2006                        2/1/2007
     484.37                       45673.68                       45800                    12.375                  BARTOW                                                          FL                          33830                         1                      2                        5/1/2006                      4/1/2036                     3/30/2006                        2/1/2007
     439.51                       45337.29                       45500                     11.18                  RED OAK                                                         TX                          75154                         1                      2                        5/1/2006                      4/1/2036                     3/15/2006                        2/1/2007
     473.41                       46998.66                       47150                     11.68                  ORLANDO                                                         FL                          32812                         1                      2                        5/1/2006                      4/1/2036                      3/8/2006                        2/1/2007
     160.62                       14960.07                       15000                    12.545                  TOLEDO                                                          OH                          43620                         2                      2                        5/1/2006                      4/1/2036                     3/21/2006                        2/1/2007
      491.2                       44689.43                       44800                    12.875                  WEST PALM BEACH                                                 FL                          33409                         1                      2                        5/1/2006                      4/1/2036                     3/28/2006                        2/1/2007
     259.18                       23776.05                       23850                     12.75                  FISHERS                                                         IN                          46037                         1                      2                        5/1/2006                      4/1/2036                     3/17/2006                        2/1/2007
    1458.06                      141325.63                      141750                        12                  RIVIERA BEACH                                                   FL                          33407                         1                      2                        5/1/2006                      4/1/2036                     3/28/2006                        2/1/2007
     163.42                       13823.36                       14026                     13.75                  CONVERSE                                                        TX                          78109                         1                      2                        5/1/2006                      4/1/2036                     3/31/2006                        2/1/2007
     900.04                       87189.77                       87500                        12                  ELMWOOD PARK                                                    IL                          60707                         1                      2                        5/1/2006                      4/1/2036                     3/27/2006                        2/1/2007
     297.76                       34489.25                       34657                      9.75                  AUSTIN                                                          TX                          78748                         1                      2                        5/1/2006                      4/1/2036                     3/23/2006                        2/1/2007
     596.24                       59801.67                       60000                    11.545                  STREAMWOOD                                                      IL                          60107                         1                      2                        5/1/2006                      4/1/2036                     3/28/2006                        2/1/2007
    1869.18                      218905.99                      220000                      9.62                  ORLANDO                                                         FL                          32837                         1                      2                        5/1/2006                      4/1/2036                     3/28/2006                        2/1/2007
     339.49                       27440.35                       27500                    14.625                  PEMBROKE PINES                                                  FL                          33027                         1                      2                        6/1/2006                      5/1/2036                     4/27/2006                        2/1/2007
     366.74                       34158.95                       34250                    12.545                  SARASOTA                                                        FL                          34232                         1                      2                        5/1/2006                      4/1/2036                     3/29/2006                        2/1/2007
     824.82                       95737.58                       96250                      9.72                  PEMBROKE PINES                                                  FL                          33025                         1                      2                        5/1/2006                      4/1/2036                      3/9/2006                        2/1/2007
     599.16                       68674.64                       69000                     9.875                  GREENACRES                                                      FL                          33463                         1                      2                        5/1/2006                      4/1/2036                     3/28/2006                        2/1/2007
     873.11                       87905.23                       88200                    11.495                  SURPRISE                                                        AZ                          85379                         1                      2                        5/1/2006                      4/1/2036                     3/29/2006                        2/1/2007
     996.73                        96579.4                       96900                        12                  SAINT PETERSBURG                                                FL                          33707                         1                      2                        5/1/2006                      4/1/2036                     3/30/2006                        2/1/2007
     639.58                       65642.19                       65850                     11.25                  LAKE WORTH                                                      FL                          33463                         1                      2                        6/1/2006                      5/1/2036                     4/20/2006                        2/1/2007
     801.83                       80728.98                       81000                    11.495                  WEST PALM BEACH                                                 FL                          33409                         1                      2                        5/1/2006                      4/1/2036                     3/20/2006                        2/1/2007
     563.34                       57756.59                       58000                     11.25                  WILMINGTON                                                      DE                          19806                         1                      2                        5/1/2006                      4/1/2021                     3/31/2006                        2/1/2007
     1075.4                      105210.38                      105535                    11.875                  HIGLEY                                                          AZ                          85236                         1                      2                        5/1/2006                      4/1/2036                     3/29/2006                        2/1/2007
     300.49                       28474.92                       28580                    12.295                  FARGO                                                           ND                          58103                         1                      2                        5/1/2006                      4/1/2036                     3/30/2006                        2/1/2007
     342.18                       30707.17                       30780                     13.07                  WINSTED                                                         MN                          55395                         1                      2                        5/1/2006                      4/1/2036                     3/16/2006                        2/1/2007
     732.37                          69059                       69250                    12.375                  TUCSON                                                          AZ                          85711                         4                      2                        5/1/2006                      4/1/2036                      3/9/2006                        2/1/2007
     385.17                       37980.08                       38100                     11.77                  STOCKBRIDGE                                                     GA                          30281                         1                      2                        5/1/2006                      4/1/2036                     3/15/2006                        2/1/2007
     259.36                        26110.4                       26200                    11.495                  TOMBALL                                                         TX                          77375                         1                      2                        5/1/2006                      4/1/2036                     3/30/2006                        2/1/2007
     641.62                       58891.84                       59043                     12.75                  INDIANAPOLIS                                                    IN                          46231                         1                      2                        5/1/2006                      4/1/2036                     3/27/2006                        2/1/2007
        733                       70394.36                       70600                    12.125                  TUCSON                                                          AZ                          85743                         1                      2                        5/1/2006                      4/1/2036                      4/4/2006                        2/1/2007
     452.44                       48732.17                       48980                     10.62                  SAINT AUGUSTINE                                                 FL                          32092                         1                      2                        5/1/2006                      4/1/2036                     3/28/2006                        2/1/2007
     398.31                       42450.96                       42600                     10.77                  ANDOVER                                                         MN                          55304                         1                      2                        6/1/2006                      5/1/2036                      4/3/2006                        2/1/2007
     744.91                       74521.74                       75250                    11.495                  SARASOTA                                                        FL                          34243                         1                      2                        6/1/2006                      5/1/2036                     4/10/2006                        2/1/2007
     574.58                        55710.3                       55860                        12                  MILWAUKEE                                                       WI                          53219                         1                      2                        6/1/2006                      5/1/2036                     4/18/2006                        2/1/2007
     673.71                       75659.52                       76000                     10.12                  SUNRISE                                                         FL                          33351                         1                      2                        5/1/2006                      4/1/2036                     3/17/2006                        2/1/2007
     361.72                       38844.44                       39000                     10.67                  RIMROCK                                                         AZ                          86335                         1                      2                        5/1/2006                      4/1/2036                     3/22/2006                        2/1/2007
     497.06                       46326.02                       47000                    12.375                  MAINEVILLE                                                      OH                          45039                         1                      2                        5/1/2006                      4/1/2036                     3/17/2006                        2/1/2007
     473.65                       45071.91                       45200                     12.25                  WINTER PARK                                                     FL                          32792                         1                      2                        5/1/2006                      4/1/2036                     3/21/2006                        2/1/2007
     420.91                       16409.04                       39800                    12.375                  CLERMONT                                                        FL                          34714                         1                      2                        5/1/2006                      4/1/2036                     3/30/2006                        2/1/2007
     744.74                       73270.11                       73500                      11.8                  PHOENIX                                                         AZ                          85016                         1                      2                        5/1/2006                      4/1/2036                     3/27/2006                        2/1/2007
     442.12                       43651.46                       43800                     11.75                  WELLINGTON                                                      FL                          33414                         1                      2                        5/1/2006                      4/1/2036                     3/31/2006                        2/1/2007
     334.31                       38300.66                       38500                     9.875                  ELKHART                                                         IN                          46514                         1                      2                        5/1/2006                      4/1/2036                     3/31/2006                        2/1/2007
    1569.67                      118337.23                      118500                     15.75                  CHANDLER                                                        AZ                          85249                         1                      2                        5/1/2006                      4/1/2036                     3/28/2006                        2/1/2007
     933.48                        99606.9                       99999                     10.75                  GROVELAND                                                       FL                          34736                         1                      2                        5/1/2006                      4/1/2021                     3/24/2006                        2/1/2007
     361.58                       32324.31                       32400                    13.125                  INDIANAPOLIS                                                    IN                          46254                         1                      2                        5/1/2006                      4/1/2036                     3/31/2006                        2/1/2007
     268.57                       23597.73                       23650                    13.375                  CONYERS                                                         GA                          30012                         1                      2                        5/1/2006                      4/1/2036                     3/30/2006                        2/1/2007
     584.57                       60560.11                       60780                    11.125                  CAPE CORAL                                                      FL                          33991                         1                      2                        5/1/2006                      4/1/2036                      4/7/2006                        2/1/2007
     269.67                       27943.62                       28600                    10.875                  GRIFFITH                                                        IN                          46319                         1                      2                        6/1/2006                      5/1/2036                     4/17/2006                        2/1/2007
    1773.19                      180774.42                      181500                    11.325                  JUPITER                                                         FL                          33458                         1                      2                        5/1/2006                      4/1/2036                     3/17/2006                        2/1/2007
     169.22                       18610.67                       18690                    10.375                  HAMPTON                                                         GA                          30228                         1                      2                        5/1/2006                      4/1/2036                     3/24/2006                        2/1/2007
     225.99                       20207.62                       20250                    13.125                  NEW CASTLE                                                      DE                          19720                         1                      2                        6/1/2006                      5/1/2036                      4/7/2006                        2/1/2007
     486.84                       44686.26                       44800                     12.75                  JACKSONVILLE                                                    FL                          32257                         1                      2                        5/1/2006                      4/1/2036                     3/30/2006                        2/1/2007
     392.83                       41058.58                       41250                        11                  SAINT PETERSBURG                                                FL                          33702                         1                      2                        5/1/2006                      4/1/2036                     3/27/2006                        2/1/2007
     381.66                       34120.17                       34200                    13.125                  BALTIMORE                                                       MD                          21224                         1                      2                        5/1/2006                      4/1/2036                     3/30/2006                        2/1/2007
     393.49                       45578.37                       45800                      9.75                  ORLANDO                                                         FL                          32828                         1                      2                        5/1/2006                      4/1/2036                     3/29/2006                        2/1/2007
     543.25                       59771.71                       60000                    10.375                  WINTER PARK                                                     FL                          32792                         1                      2                        6/1/2006                      5/1/2036                      4/7/2006                        2/1/2007
      273.5                       21596.96                       21630                        15                  CLEVELAND                                                       OH                          44119                         1                      2                        5/1/2006                      4/1/2036                     3/22/2006                        2/1/2007
     373.15                       39941.05                       40380                    10.625                  NORTH PORT                                                      FL                          34286                         1                      2                        5/1/2006                      4/1/2036                     3/31/2006                        2/1/2007
     832.46                       77790.78                       78000                      12.5                  MIRAMAR                                                         FL                          33025                         1                      2                        5/1/2006                      4/1/2036                     3/29/2006                        2/1/2007
      245.2                       24741.45                       25000                    11.375                  TAMARAC                                                         FL                          33321                         1                      2                        5/1/2006                      4/1/2021                     3/24/2006                        2/1/2007
        176                       12787.31                       12800                    16.375                  TYLER                                                           TX                          75706                         1                      2                        6/1/2006                      5/1/2036                     4/26/2006                        2/1/2007
     159.02                       13159.67                       13200                     14.25                  GAS CITY                                                        IN                          46933                         2                      2                        5/1/2006                      4/1/2036                      4/3/2006                        2/1/2007
     730.26                        66813.9                       67200                     12.75                  ALBUQUERQUE                                                     NM                          87114                         1                      2                        6/1/2006                      5/1/2036                      4/7/2006                        2/1/2007
     350.41                       33490.44                       33750                    12.125                  NEW CASTLE                                                      DE                          19720                         1                      2                        5/1/2006                      4/1/2036                     3/31/2006                        2/1/2007
     451.44                       38026.85                       38100                        14                  BEVERLY HILLS                                                   FL                          34465                         1                      2                        5/1/2006                      4/1/2036                     3/28/2006                        2/1/2007
     377.13                        40208.1                       40400                     10.75                  LAKELAND                                                        FL                          33811                         1                      2                        5/1/2006                      4/1/2036                     3/31/2006                        2/1/2007
     464.25                       41426.08                       41600                    13.125                  OMAHA                                                           NE                          68144                         1                      2                        5/1/2006                      4/1/2036                     3/23/2006                        2/1/2007
        580                       60676.59                       60903                        11                  ORLANDO                                                         FL                          32818                         1                      2                        5/1/2006                      4/1/2021                     3/31/2006                        2/1/2007
     377.79                       42409.36                       42600                    10.125                  DENVER                                                          CO                          80219                         1                      2                        5/1/2006                      4/1/2036                     3/30/2006                        2/1/2007
     461.47                       41254.41                       41351                    13.125                  COVINGTON                                                       GA                          30014                         1                      2                        5/1/2006                      4/1/2036                     3/31/2006                        2/1/2007
     299.03                       31226.88                       31350                     11.02                  CONYERS                                                         GA                          30012                         1                      2                        5/1/2006                      4/1/2036                     3/30/2006                        2/1/2007
     518.46                       63949.74                       64435                         9                  JACKSONVILLE                                                    FL                          32244                         1                      2                        6/1/2006                      5/1/2036                     4/17/2006                        2/1/2007
     563.51                       56843.41                       57035                     11.47                  QUEEN CREEK                                                     AZ                          85242                         1                      2                        5/1/2006                      4/1/2036                     3/31/2006                        2/1/2007
     756.15                       79104.86                       79400                        11                  FT MYERS                                                        FL                          33912                         1                      2                        5/1/2006                      4/1/2021                      4/3/2006                        2/1/2007
     223.65                       25380.07                       25485                        10                  MIAMI GARDENS                                                   FL                          33056                         1                      2                        6/1/2006                      5/1/2036                     4/11/2006                        2/1/2007
     167.12                       16349.52                       16400                    11.875                  JACKSONVILLE                                                    FL                          32209                         1                      2                        5/1/2006                      4/1/2036                      4/3/2006                        2/1/2007
     228.54                        17942.2                       18300                     12.75                  DENTON                                                          TX                          76209                         1                      2                        5/1/2006                      4/1/2021                     3/27/2006                        2/1/2007
      224.8                       17647.98                       18000                     12.75                  LEWISVILLE                                                      TX                          75067                         1                      2                        5/1/2006                      4/1/2021                     3/27/2006                        2/1/2007
     208.63                       16474.41                       16500                        15                  CINCINNATI                                                      OH                          45231                         1                      2                        5/1/2006                      4/1/2036                     3/31/2006                        2/1/2007
     412.84                       39881.35                       40000                    12.045                  FORT MYERS                                                      FL                          33907                         1                      2                        5/1/2006                      4/1/2036                     3/28/2006                        2/1/2007
     384.21                       35882.81                       36000                      12.5                  SAINT MICHAEL                                                   MN                          55376                         1                      2                        5/1/2006                      4/1/2036                     3/31/2006                        2/1/2007
     368.43                       33100.72                       33200                    13.045                  BENBROOK                                                        TX                          76126                         1                      2                        5/1/2006                      4/1/2036                     3/29/2006                        2/1/2007
     721.96                       66533.26                       69536                    12.125                  ALBUQUERQUE                                                     NM                          87114                         1                      2                        6/1/2006                      5/1/2021                     4/20/2006                        2/1/2007
     514.38                       46388.36                       46500                        13                  DALLAS                                                          TX                          75241                         1                      2                        5/1/2006                      4/1/2036                     3/30/2006                        2/1/2007
     757.06                       73378.67                       73600                        12                  FREDERICK                                                       MD                          21702                         1                      2                        5/1/2006                      4/1/2036                     3/28/2006                        2/1/2007
     209.06                       16906.84                       16935                    14.625                  LITHONIA                                                        GA                          30058                         1                      2                        5/1/2006                      4/1/2036                     3/28/2006                        2/1/2007
     633.22                       60278.49                       60450                    12.245                  DAVENPORT                                                       FL                          33897                         1                      2                        5/1/2006                      4/1/2036                     3/30/2006                        2/1/2007
     289.25                       24365.16                       24412                        14                  CORNELIUS                                                       NC                          28031                         1                      2                        5/1/2006                      4/1/2036                     3/31/2006                        2/1/2007
     337.93                       31815.31                       33300                     11.82                  MARIETTA                                                        GA                          30066                         1                      2                        5/1/2006                      4/1/2036                     3/23/2006                        2/1/2007
     810.05                       90555.42                       91000                     10.17                  GULFPORT                                                        FL                          33707                         1                      2                        5/1/2006                      4/1/2036                     3/31/2006                        2/1/2007
     218.03                       19157.62                       19200                    13.375                  STONE MOUNTAIN                                                  GA                          30083                         1                      2                        5/1/2006                      4/1/2036                     3/29/2006                        2/1/2007
     456.57                       42677.29                       42780                      12.5                  EAGAN                                                           MN                          55122                         1                      2                        6/1/2006                      5/1/2036                     4/14/2006                        2/1/2007
      447.5                       39669.16                       39750                     13.25                  QUEEN CREEK                                                     AZ                          85242                         1                      2                        6/1/2006                      5/1/2021                     4/10/2006                        2/1/2007
     300.45                       29952.42                       30050                    11.625                  CONYERS                                                         GA                          30012                         1                      2                        5/1/2006                      4/1/2036                     3/30/2006                        2/1/2007
     241.25                       23824.44                       23900                     11.75                  TUCSON                                                          AZ                          85741                         1                      2                        5/1/2006                      4/1/2021                     3/23/2006                        2/1/2007
     655.89                       53870.05                       54000                    14.375                  SAINT PETERS                                                    MO                          63376                         1                      2                        5/1/2006                      4/1/2036                     3/31/2006                        2/1/2007
     402.86                       33359.94                       34000                        14                  COLORADO SPRINGS                                                CO                          80904                         2                      2                        6/1/2006                      5/1/2036                      4/7/2006                        2/1/2007
     167.93                       16429.33                       16480                    11.875                  CEDAR FALLS                                                     IA                          50613                         1                      2                        5/1/2006                      4/1/2036                     3/31/2006                        2/1/2007
      77.58                        9296.99                        9750                     8.875                  PUEBLO                                                          CO                          81004                         2                      2                        5/1/2006                      4/1/2036                     3/31/2006                        2/1/2007
     580.59                       62448.85                       62700                     10.65                  ORLANDO                                                         FL                          32824                         1                      2                        5/1/2006                      4/1/2036                     3/29/2006                        2/1/2007
     377.24                       35898.01                       36000                     12.25                  WEST PALM BEACH                                                 FL                          33415                         1                      2                        5/1/2006                      4/1/2036                     3/21/2006                        2/1/2007
     548.23                       48587.37                       48698                     13.25                  SAINT CLOUD                                                     FL                          34769                         1                      2                        5/1/2006                      4/1/2036                     3/30/2006                        2/1/2007
     472.09                       38761.16                       39600                    11.875                  WEST PALM BEACH                                                 FL                          33409                         1                      2                        5/1/2006                      4/1/2021                     3/22/2006                        2/1/2007
     464.22                       44174.43                       44300                     12.25                  JACKSONVILLE                                                    FL                          32221                         1                      2                        5/1/2006                      4/1/2036                     3/27/2006                        2/1/2007
     250.96                       22759.17                       22815                     12.92                  CEDAR HILL                                                      TX                          75104                         1                      2                        5/1/2006                      4/1/2036                     3/31/2006                        2/1/2007
     300.91                       38030.14                       38250                      8.75                  MIAMI                                                           FL                          33150                         1                      2                        6/1/2006                      5/1/2036                      4/7/2006                        2/1/2007
     343.27                       34879.98                       35000                    11.375                  KISSIMMEE                                                       FL                          34759                         1                      2                        5/1/2006                      4/1/2036                     3/31/2006                        2/1/2007
      414.1                        44046.2                       44200                    10.795                  DELTONA                                                         FL                          32725                         1                      2                        6/1/2006                      5/1/2036                      4/6/2006                        2/1/2007
     219.22                       22911.82                       23020                        11                  HAMPTON                                                         GA                          30228                         1                      2                        5/1/2006                      4/1/2036                      4/5/2006                        2/1/2007
     386.96                       31551.57                       31600                      14.5                  HARTFORD                                                        CT                           6112                         3                      2                        6/1/2006                      5/1/2036                      4/4/2006                        2/1/2007
     523.95                       49873.12                       50000                     12.25                  HAMILTON                                                        OH                          45013                         1                      2                        6/1/2006                      5/1/2036                     4/25/2006                        2/1/2007
     455.52                       43346.81                       43470                     12.25                  FORT MYERS                                                      FL                          33901                         1                      2                        5/1/2006                      4/1/2036                     3/31/2006                        2/1/2007
      464.6                       41889.02                       42000                        13                  BALCH SPRINGS                                                   TX                          75180                         1                      2                        5/1/2006                      4/1/2036                     3/31/2006                        2/1/2007
     844.66                       95853.79                       96250                        10                  MESA                                                            AZ                          85212                         1                      2                        6/1/2006                      5/1/2036                     4/13/2006                        2/1/2007
     412.91                       36913.61                       37000                    13.125                  FORT WORTH                                                      TX                          76131                         1                      2                        5/1/2006                      4/1/2036                     3/31/2006                        2/1/2007
     506.68                       44130.71                       44236                      13.5                  SAINT CLOUD                                                     FL                          34769                         1                      2                        5/1/2006                      4/1/2036                     3/31/2006                        2/1/2007
     971.59                       81753.27                       82000                        14                  MIAMI                                                           FL                          33126                         2                      2                        6/1/2006                      5/1/2036                     4/24/2006                        2/1/2007
     248.14                       23384.94                       23463                    12.375                  SAINT PAUL                                                      MN                          55101                         1                      2                        5/1/2006                      4/1/2036                     3/30/2006                        2/1/2007
     639.32                       62803.77                       63000                     11.82                  GROVELAND                                                       FL                          34736                         1                      2                        5/1/2006                      4/1/2036                     3/31/2006                        2/1/2007
     457.04                       46456.86                       46600                    11.375                  GOSHEN                                                          OH                          45122                         1                      2                        6/1/2006                      5/1/2036                     4/13/2006                        2/1/2007
      544.3                       50775.53                       51000                      12.5                  INDIANAPOLIS                                                    IN                          46234                         1                      2                        5/1/2006                      4/1/2036                     3/31/2006                        2/1/2007
     334.31                       38337.33                       38500                     9.875                  CLEARWATER                                                      FL                          33756                         1                      2                        6/1/2006                      5/1/2036                     4/12/2006                        2/1/2007
     525.94                       49161.69                       49280                      12.5                  CONLEY                                                          GA                          30288                         1                      2                        6/1/2006                      5/1/2036                     4/14/2006                        2/1/2007
     343.65                       32533.87                       32625                     12.32                  LARGO                                                           FL                          33773                         1                      2                        5/1/2006                      4/1/2036                     3/31/2006                        2/1/2007
     599.63                       55851.15                       56000                    12.545                  DALLAS                                                          TX                          75235                         1                      2                        5/1/2006                      4/1/2036                     3/30/2006                        2/1/2007
     319.61                       30413.54                       30500                     12.25                  PHILADELPHIA                                                    PA                          19104                         1                      2                        5/1/2006                      4/1/2036                     3/31/2006                        2/1/2007
     427.38                        40348.9                       40500                    12.345                  JACKSONVILLE                                                    FL                          32299                         1                      2                        5/1/2006                      4/1/2036                      4/3/2006                        2/1/2007
      491.9                       49353.41                       49500                    11.545                  AURORA                                                          CO                          80010                         1                      2                        6/1/2006                      5/1/2036                     4/18/2006                        2/1/2007
     262.65                       30692.14                       30900                     9.625                  AURORA                                                          CO                          80017                         1                      2                        6/1/2006                      5/1/2036                      4/5/2006                        2/1/2007
      463.1                        42899.5                       43000                    12.625                  ELMWOOD PARK                                                    IL                          60707                         1                      2                        6/1/2006                      5/1/2036                     4/24/2006                        2/1/2007
     217.03                       23168.36                       23250                     10.75                  FORT PIERCE                                                     FL                          34947                         1                      2                        6/1/2006                      5/1/2036                      4/5/2006                        2/1/2007
     378.03                       44028.66                       44475                     9.625                  DENVER                                                          CO                          80204                         1                      2                        5/1/2006                      4/1/2036                     3/24/2006                        2/1/2007
     243.25                       20159.25                       20192                     14.25                  LAKELAND                                                        FL                          33815                         1                      2                        6/1/2006                      5/1/2036                     4/12/2006                        2/1/2007
     470.15                       47333.02                       47475                      11.5                  LEHIGH ACRES                                                    FL                          33936                         1                      2                        6/1/2006                      5/1/2021                      4/3/2006                        2/1/2007
     629.36                       57273.09                       57400                    12.875                  PARRISH                                                         FL                          34219                         1                      2                        6/1/2006                      5/1/2036                      4/6/2006                        2/1/2007
     234.22                       24899.71                       25000                    10.795                  BLANCHESTER                                                     OH                          45107                         1                      2                        6/1/2006                      5/1/2036                     4/11/2006                        2/1/2007
     329.71                       33068.06                       33500                     11.42                  CEDAR HILL                                                      TX                          75104                         1                      2                        6/1/2006                      5/1/2036                     4/10/2006                        2/1/2007
      418.7                       40554.98                       40950                     11.92                  SHOREVIEW                                                       MN                          55126                         1                      2                        5/1/2006                      4/1/2036                      4/4/2006                        2/1/2007
     402.85                       39279.96                       39400                     11.92                  LITTLETON                                                       CO                          80120                         1                      2                        5/1/2006                      4/1/2036                     3/31/2006                        2/1/2007
      99.85                        12477.3                       12550                     8.875                  OKLAHOMA CITY                                                   OK                          73112                         1                      2                        5/1/2006                      4/1/2036                     3/30/2006                        2/1/2007
     487.93                       50077.36                       50236                     11.25                  ORLANDO                                                         FL                          32818                         1                      2                        6/1/2006                      5/1/2021                      4/7/2006                        2/1/2007
     104.55                       12244.32                       12300                     9.625                  HAMMOND                                                         IN                          46323                         1                      2                        6/1/2006                      5/1/2036                     4/19/2006                        2/1/2007
      614.9                       61321.12                       61500                    11.625                  NEW PORT RICHEY                                                 FL                          34655                         1                      2                        6/1/2006                      5/1/2036                     4/13/2006                        2/1/2007
     287.45                       26615.38                       26700                     12.62                  JONESBORO                                                       GA                          30238                         1                      2                        5/1/2006                      4/1/2036                     3/29/2006                        2/1/2007
    2621.57                      251764.49                      252500                    12.125                  SEMINOLE                                                        FL                          33776                         1                      2                        5/1/2006                      4/1/2036                     3/31/2006                        2/1/2007
     931.16                      104530.22                      105000                    10.125                  SMYRNA                                                          GA                          30080                         1                      2                        5/1/2006                      4/1/2036                     3/30/2006                        2/1/2007
     545.64                       63126.07                       63400                      9.77                  GOODYEAR                                                        AZ                          85338                         1                      2                        6/1/2006                      5/1/2036                     4/20/2006                        2/1/2007
     551.05                       52664.33                       52800                    12.195                  FOX LAKE                                                        IL                          60020                         1                      2                        6/1/2006                      5/1/2036                     4/21/2006                        2/1/2007
     523.71                       44124.14                       44200                        14                  WEST PALM BEACH                                                 FL                          33407                         1                      2                        6/1/2006                      5/1/2036                     4/26/2006                        2/1/2007
      720.4                       67298.77                       67500                      12.5                  SAINT PETERSBURG                                                FL                          33704                         1                      2                        6/1/2006                      5/1/2036                      4/6/2006                        2/1/2007
      519.9                       46883.35                       46998                        13                  KISSIMMEE                                                       FL                          34746                         1                      2                        5/1/2006                      4/1/2021                     3/31/2006                        2/1/2007
     836.05                       69201.33                       69400                     14.25                  TOWSON                                                          MD                          21286                         1                      2                        6/1/2006                      5/1/2036                     4/13/2006                        2/1/2007
     157.81                       13078.79                       13100                     14.25                  AKRON                                                           OH                          44314                         1                      2                        6/1/2006                      5/1/2036                     4/21/2006                        2/1/2007
     469.62                        40921.2                       41000                      13.5                  TAMPA                                                           FL                          33617                         1                      2                        6/1/2006                      5/1/2036                     4/12/2006                        2/1/2007
     602.41                       53867.14                       53980                    13.125                  LAKE WORTH                                                      FL                          33467                         1                      2                        6/1/2006                      5/1/2036                     4/10/2006                        2/1/2007
     356.44                       32706.23                       32800                     12.75                  PORT RICHEY                                                     FL                          34668                         1                      2                        6/1/2006                      5/1/2036                     4/17/2006                        2/1/2007
     635.12                       61788.68                       62000                    11.945                  VAIL                                                            AZ                          85641                         1                      2                        6/1/2006                      5/1/2036                     4/14/2006                        2/1/2007
     517.03                       49652.91                       49798                    12.125                  KISSIMMEE                                                       FL                          34746                         1                      2                        5/1/2006                      4/1/2036                     3/31/2006                        2/1/2007
     552.76                       51873.54                       52000                    12.445                  GILBERT                                                         AZ                          85296                         1                      2                        6/1/2006                      5/1/2036                     4/13/2006                        2/1/2007
     1164.6                      116625.61                      116970                     11.57                  SALT LAKE CITY                                                  UT                          84105                         1                      2                        6/1/2006                      5/1/2036                     4/17/2006                        2/1/2007
     993.38                       95993.56                       96250                    12.045                  PHOENIX                                                         AZ                          85018                         1                      2                        6/1/2006                      5/1/2036                     4/21/2006                        2/1/2007
     869.52                       87240.92                       87500                    11.545                  PHOENIX                                                         AZ                          85032                         1                      2                        6/1/2006                      5/1/2036                     4/21/2006                        2/1/2007
      214.5                       20847.43                       21050                    11.875                  MONTICELLO                                                      FL                          32344                         1                      2                        6/1/2006                      5/1/2036                     4/19/2006                        2/1/2007
     138.86                       13442.65                       13500                        12                  WILMINGTON                                                      DE                          19802                         1                      2                        5/1/2006                      4/1/2036                      4/7/2006                        2/1/2007
     649.57                       65775.87                       66000                     11.42                  SMYRNA                                                          GA                          30080                         1                      2                        5/1/2006                      4/1/2036                     3/31/2006                        2/1/2007
     638.83                       57611.31                       57750                        13                  NORTH PORT                                                      FL                          34286                         1                      2                        5/1/2006                      4/1/2036                     3/29/2006                        2/1/2007
      429.4                       45838.43                       46000                     10.75                  PORT SAINT LUCIE                                                FL                          34952                         1                      2                        6/1/2006                      5/1/2036                      4/7/2006                        2/1/2007
     289.36                        29300.1                       29400                     11.42                  ACWORTH                                                         GA                          30101                         1                      2                        5/1/2006                      4/1/2036                     3/31/2006                        2/1/2007
     489.01                       44885.78                       45000                     12.75                  SAINT PETERSBURG                                                FL                          33708                         1                      2                        5/1/2006                      4/1/2036                     3/31/2006                        2/1/2007
     548.89                       16089.47                       50510                     12.75                  SANFORD                                                         FL                          32771                         1                      2                        5/1/2006                      4/1/2036                     3/31/2006                        2/1/2007
     257.38                       27597.82                       27750                     10.67                  PINELLAS PARK                                                   FL                          33781                         1                      2                        5/1/2006                      4/1/2036                     3/31/2006                        2/1/2007
     130.47                       10992.06                       11011                        14                  INDIANAPOLIS                                                    IN                          46280                         1                      2                        6/1/2006                      5/1/2036                      4/4/2006                        2/1/2007
     189.87                       18934.74                       18990                    11.625                  LYNN HAVEN                                                      FL                          32444                         1                      2                        6/1/2006                      5/1/2036                     4/11/2006                        2/1/2007
     628.67                       61778.24                       61951                     11.82                  DOUGLASVILLE                                                    GA                          30135                         1                      2                        5/1/2006                      4/1/2036                     3/31/2006                        2/1/2007
     688.31                       72750.36                       73000                    10.875                  ORLANDO                                                         FL                          32809                         1                      2                        6/1/2006                      5/1/2036                     4/11/2006                        2/1/2007
     256.89                       27863.45                       27980                    10.545                  ATLANTA                                                         GA                          30349                         1                      2                        6/1/2006                      5/1/2036                     4/17/2006                        2/1/2007
     336.68                       32414.64                       32500                    12.095                  FT LAUDERDALE                                                   FL                          33315                         1                      2                        6/1/2006                      5/1/2036                     4/17/2006                        2/1/2007
     320.85                       28424.51                       28500                     13.25                  CINCINNATI                                                      OH                          45212                         4                      2                        6/1/2006                      5/1/2036                     4/20/2006                        2/1/2007
     405.63                       44629.52                       44800                    10.375                  BISMARCK                                                        AR                          71929                         1                      2                        6/1/2006                      5/1/2021                      4/7/2006                        2/1/2007
     509.29                       47880.63                       47998                     12.42                  SAINT CLOUD                                                     FL                          34769                         1                      2                        6/1/2006                      5/1/2036                      4/7/2006                        2/1/2007
     861.92                       75105.39                       75250                      13.5                  CUMMING                                                         GA                          30040                         1                      2                        6/1/2006                      5/1/2036                     4/17/2006                        2/1/2007
     392.48                        35614.3                       36000                    12.795                  APOPKA                                                          FL                          32712                         1                      2                        6/1/2006                      5/1/2036                      4/4/2006                        2/1/2007
     490.69                        42757.7                       42840                      13.5                  FORT WORTH                                                      TX                          76119                         2                      2                        6/1/2006                      5/1/2036                     4/12/2006                        2/1/2007
     621.96                       60181.77                       60375                     12.02                  NORTH AURORA                                                    IL                          60542                         1                      2                        6/1/2006                      5/1/2036                      4/7/2006                        2/1/2007
     378.27                       34414.83                       34500                    12.875                  SEFFNER                                                         FL                          33584                         1                      2                        5/1/2006                      4/1/2036                      4/5/2006                        2/1/2007
     449.93                       44848.22                       45000                    11.625                  CLERMONT                                                        FL                          34714                         1                      2                        6/1/2006                      5/1/2021                      4/7/2006                        2/1/2007
     441.84                       41277.84                       41400                      12.5                  FARMINGTON                                                      MN                          55024                         1                      2                        6/1/2006                      5/1/2036                     4/11/2006                        2/1/2007
     466.26                       54489.08                       54760                     9.645                  SAHUARITA                                                       AZ                          85629                         1                      2                        5/1/2006                      4/1/2036                      4/6/2006                        2/1/2007
     425.49                       48792.94                       49000                     9.875                  BOYNTON BEACH                                                   FL                          33435                         1                      2                        6/1/2006                      5/1/2036                     4/18/2006                        2/1/2007
     422.95                        35340.9                       35400                    14.125                  DAVENPORT                                                       FL                          33896                         1                      2                        6/1/2006                      5/1/2036                     4/24/2006                        2/1/2007
     247.36                       22239.84                       22290                    13.045                  CARTERSVILLE                                                    GA                          30120                         1                      2                        6/1/2006                      5/1/2036                      4/7/2006                        2/1/2007
     163.92                       15461.75                       15500                    12.375                  BLUE SPRINGS                                                    MO                          64015                         2                      2                        6/1/2006                      5/1/2036                     4/14/2006                        2/1/2007
     747.77                        64063.4                       64180                     13.75                  KISSIMMEE                                                       FL                          34759                         1                      2                        6/1/2006                      5/1/2036                     4/25/2006                        2/1/2007
     519.12                       49869.61                       50000                    12.125                  ORANGE PARK                                                     FL                          32073                         1                      2                        6/1/2006                      5/1/2036                      4/6/2006                        2/1/2007
      934.4                       82439.67                       83000                     13.25                  SILVER SPRING                                                   MD                          20904                         1                      2                        6/1/2006                      5/1/2021                     4/13/2006                        2/1/2007
    1211.14                      132443.71                      133000                    10.445                  PENSACOLA                                                       FL                          32504                         1                      2                        5/1/2006                      4/1/2036                     3/31/2006                        2/1/2007
     339.44                       32911.57                       33000                        12                  WINTER HAVEN                                                    FL                          33881                         2                      2                        6/1/2006                      5/1/2036                     4/20/2006                        2/1/2007
     925.07                       90227.21                       90475                     11.92                  DENVER                                                          CO                          80210                         1                      2                        6/1/2006                      5/1/2036                      4/7/2006                        2/1/2007
     543.95                       53232.88                       53380                    11.875                  CAPE CORAL                                                      FL                          33993                         1                      2                        6/1/2006                      5/1/2021                     4/19/2006                        2/1/2007
     696.98                        68829.7                       69048                     11.75                  KISSIMMEE                                                       FL                          34746                         1                      2                        5/1/2006                      4/1/2021                     3/31/2006                        2/1/2007
     465.59                       40607.16                       41000                    13.375                  ORLANDO                                                         FL                          32808                         1                      2                        6/1/2006                      5/1/2036                     4/13/2006                        2/1/2007
     389.64                       44217.24                       44400                        10                  BATON ROUGE                                                     LA                          70817                         1                      2                        6/1/2006                      5/1/2036                     4/25/2006                        2/1/2007
     530.75                       47847.99                       47980                        13                  RIVIERA BEACH                                                   FL                          33404                         1                      2                        6/1/2006                      5/1/2036                     4/20/2006                        2/1/2007
     203.18                          19519                       19570                    12.125                  OMAHA                                                           NE                          68104                         1                      2                        6/1/2006                      5/1/2036                     4/13/2006                        2/1/2007
     767.47                       73397.37                       73920                    12.125                  KISSIMMEE                                                       FL                          34758                         1                      2                        6/1/2006                      5/1/2036                     4/13/2006                        2/1/2007
      533.1                        49363.7                       49500                    12.625                  SAINT CLOUD                                                     FL                          34769                         1                      2                        6/1/2006                      5/1/2021                     4/11/2006                        2/1/2007
     265.27                       24913.43                       25000                     12.42                  ARIZONA CITY                                                    AZ                          85223                         1                      2                        6/1/2006                      5/1/2036                     4/18/2006                        2/1/2007
     899.68                       97711.58                       99000                     10.42                  ELLENTON                                                        FL                          34222                         1                      2                        6/1/2006                      5/1/2036                      4/6/2006                        2/1/2007
        170                       19686.01                       20000                     9.625                  LAKE WORTH                                                      FL                          33461                         1                      2                        6/1/2006                      5/1/2036                     4/19/2006                        2/1/2007
     350.94                       34698.95                       35100                    11.625                  DAVENPORT                                                       FL                          33896                         1                      2                        6/1/2006                      5/1/2036                     4/28/2006                        2/1/2007
      304.1                       27440.79                       27500                    12.995                  SAINT PETERSBURG                                                FL                          33712                         1                      2                        6/1/2006                      5/1/2036                     4/13/2006                        2/1/2007
     451.93                       45068.49                       45200                    11.625                  PLANO                                                           TX                          75025                         1                      2                        6/1/2006                      5/1/2036                     4/19/2006                        2/1/2007
      86.64                        7360.18                        7500                    13.625                  PALM SPRINGS                                                    FL                          33461                         1                      2                        6/1/2006                      5/1/2036                     4/20/2006                        2/1/2007
     767.14                       85660.12                       86000                    10.195                  COCONUT CREEK                                                   FL                          33073                         1                      2                        6/1/2006                      5/1/2036                     4/13/2006                        2/1/2007
     275.67                       26728.15                       26800                        12                  KENNESAW                                                        GA                          30144                         1                      2                        6/1/2006                      5/1/2036                     4/10/2006                        2/1/2007
     876.86                       86623.02                       86869                     11.75                  ORLANDO                                                         FL                          32820                         1                      2                        6/1/2006                      5/1/2036                     4/25/2006                        2/1/2007
     608.53                        63687.3                       63900                        11                  ORLANDO                                                         FL                          32820                         1                      2                        6/1/2006                      5/1/2036                     4/25/2006                        2/1/2007
    1394.97                      124717.12                      125000                    13.125                  ATLANTA                                                         GA                          30363                         1                      2                        6/1/2006                      5/1/2036                     4/17/2006                        2/1/2007
     720.03                       69444.27                       70000                        12                  NEWARK                                                          DE                          19702                         1                      2                        6/1/2006                      5/1/2036                     4/20/2006                        2/1/2007
      417.2                       47344.27                       47540                        10                  TEMPLE                                                          TX                          76502                         1                      2                        6/1/2006                      5/1/2036                     4/27/2006                        2/1/2007
     255.51                       22455.46                       22500                    13.375                  PLANTATION                                                      FL                          33313                         1                      2                        6/1/2006                      5/1/2036                     4/19/2006                        2/1/2007
    1877.29                      162196.32                      162500                    13.625                  CAPE CORAL                                                      FL                          33914                         1                      2                        6/1/2006                      5/1/2036                     4/19/2006                        2/1/2007
     744.52                       58998.02                       65000                      13.5                  WEST JORDAN                                                     UT                          84088                         1                      2                        6/1/2006                      5/1/2036                     4/18/2006                        2/1/2007
    1175.93                       92872.91                       93000                        15                  SCOTTSDALE                                                      AZ                          85258                         1                      2                        6/1/2006                      5/1/2036                     4/28/2006                        2/1/2007
    1205.08                       114708.2                      115000                     12.25                  DAVIE                                                           FL                          33331                         1                      2                        6/1/2006                      5/1/2036                     4/21/2006                        2/1/2007
     226.29                       23917.96                       24000                    10.875                  SENOIA                                                          GA                          30276                         1                      2                        6/1/2006                      5/1/2036                     4/27/2006                        2/1/2007
     1194.6                      113710.75                      114000                     12.25                  JACKSONVILLE                                                    FL                          32256                         1                      2                        6/1/2006                      5/1/2036                     4/19/2006                        2/1/2007
     251.45                       21349.16                       21400                    13.875                  STOCKBRIDGE                                                     GA                          30281                         1                      2                        6/1/2006                      5/1/2036                     4/25/2006                        2/1/2007
     629.75                       54874.31                       54980                      13.5                  COVINGTON                                                       GA                          30016                         1                      2                        6/1/2006                      5/1/2036                     4/20/2006                        2/1/2007
     527.21                       45138.94                       45250                     13.75                  DALLAS                                                          TX                          75241                         1                      2                        6/1/2006                      5/1/2036                     4/26/2006                        2/1/2007
     140.12                       11903.91                       11925                    13.875                  ALLENTOWN                                                       PA                          18102                         1                      2                        6/1/2006                      5/1/2036                     4/18/2006                        2/1/2007
     520.42                       43138.11                       43200                     14.25                  ATLANTA                                                         GA                          30318                         1                      2                        7/1/2006                      6/1/2036                      5/4/2006                        2/1/2007
     324.16                       27041.85                       28060                    13.625                  LAWRENCEVILLE                                                   GA                          30044                         1                      2                        6/1/2006                      5/1/2036                     4/28/2006                        2/1/2007
     573.65                       53620.92                       53750                      12.5                  WATERLOO                                                        IL                          62298                         1                      2                        6/1/2006                      5/1/2036                     4/27/2006                        2/1/2007
     255.34                       22440.51                       22485                    13.375                  LOGANVILLE                                                      GA                          30052                         1                      2                        6/1/2006                      5/1/2036                     4/26/2006                        2/1/2007
     333.11                       32906.55                       33000                     11.75                  JACKSONVILLE                                                    FL                          32207                         1                      2                        6/1/2006                      5/1/2036                     4/25/2006                        2/1/2007
     746.68                       67354.95                       67500                        13                  VIRGINIA BEACH                                                  VA                          23464                         1                      2                        6/1/2006                      5/1/2036                     4/27/2006                        2/1/2007
    1344.74                      125696.53                      126000                      12.5                  GLENDALE                                                        AZ                          85304                         1                      2                        6/1/2006                      5/1/2036                     4/27/2006                        2/1/2007
     693.71                          66032                       66200                     12.25                  NORTH LAS VEGAS                                                 NV                          89081                         1                      2                        6/1/2006                      5/1/2036                     4/28/2006                        2/1/2007
    1308.02                      135488.81                      136000                    11.125                  ALPHARETTA                                                      GA                          30005                         1                      2                        6/1/2006                      5/1/2036                     4/28/2006                        2/1/2007
     380.55                       37424.43                       37700                     11.75                  SALT LAKE CITY                                                  UT                          84121                         1                      2                        6/1/2006                      5/1/2036                     4/28/2006                        2/1/2007
     380.64                       40649.24                       40776                     10.75                  GREENWOOD                                                       IN                          46143                         1                      2                        7/1/2006                      6/1/2036                     5/23/2006                        2/1/2007
     154.12                       13657.05                       13690                     13.25                  HARKER HEIGHTS                                                  TX                          76548                         2                      2                        7/1/2006                      6/1/2036                     5/11/2006                        2/1/2007
    2449.63                      275687.47                      277500                     10.07                  BOUNTIFUL                                                       UT                          84010                         1                      2                        7/1/2006                      6/1/2036                     5/30/2006                        2/1/2007
     369.32                       38255.65                       38400                    11.125                  HAMPTON                                                         GA                          30228                         1                      2                        6/1/2006                      5/1/2036                      5/5/2006                        2/1/2007
    1103.43                       99535.59                       99750                        13                  GILBERT                                                         AZ                          85236                         1                      2                        6/1/2006                      5/1/2036                     4/14/2006                        2/1/2007
     356.52                       34860.41                       35000                     11.87                  MABLETON                                                        GA                          30126                         1                      2                        4/1/2006                      3/1/2036                      3/1/2006                        2/1/2007
     257.48                       23526.71                       23600                    12.805                  ATLANTA                                                         GA                          30316                         1                      2                        5/1/2006                      4/1/2036                     3/27/2006                        2/1/2007
      338.8                        30839.6                       30900                    12.875                  WORCESTER                                                       MA                           1604                         1                      2                        7/1/2006                      6/1/2036                     5/17/2006                        2/1/2007
        321                       33515.62                       33640                    11.025                  TALLAHASSEE                                                     FL                          32305                         1                      2                        5/1/2006                      4/1/2036                     3/20/2006                        2/1/2007
     603.98                       55359.74                       55500                     12.77                  DRAPER                                                          UT                          84020                         1                      2                        5/1/2006                      4/1/2036                     3/17/2006                        2/1/2007
     489.92                       51781.36                       51980                     10.87                  KISSIMMEE                                                       FL                          34747                         1                      2                        5/1/2006                      4/1/2036                     3/20/2006                        2/1/2007
    1957.55                      196990.49                      197750                    11.495                  SCOTTSDALE                                                      AZ                          85254                         1                      2                        5/1/2006                      4/1/2036                     3/22/2006                        2/1/2007
     928.43                        89762.1                       90125                     12.02                  CAPE CORAL                                                      FL                          33909                         1                      2                        5/1/2006                      4/1/2036                     3/27/2006                        2/1/2007
    1405.36                      140056.13                      140559                    11.625                  STUART                                                          FL                          34997                         1                      2                        7/1/2006                      6/1/2036                     5/16/2006                        2/1/2007
     380.99                       40188.65                       40342                    10.895                  JACKSONVILLE                                                    FL                          32218                         1                      2                        5/1/2006                      4/1/2036                     3/22/2006                        2/1/2007
     659.89                       65830.21                       66000                    11.625                  CAPE CORAL                                                      FL                          33904                         2                      2                        7/1/2006                      6/1/2036                      5/8/2006                        2/1/2007
     566.05                       54882.43                       55030                        12                  IMMOKALEE                                                       FL                          34142                         1                      2                        6/1/2006                      5/1/2036                     4/28/2006                        2/1/2007
     242.43                       25877.53                       25980                    10.745                  OKLAHOMA CITY                                                   OK                          73162                         1                      2                        5/1/2006                      4/1/2036                      4/5/2006                        2/1/2007
     212.04                       18948.88                       19000                    13.125                  LITHONIA                                                        GA                          30038                         1                      2                        6/1/2006                      5/1/2036                     4/28/2006                        2/1/2007
     501.14                       55111.33                       55372                     10.37                  TUCSON                                                          AZ                          85757                         1                      2                        5/1/2006                      4/1/2036                     3/17/2006                        2/1/2007
    1419.82                      150961.19                      151550                    10.795                  SOUTH JORDAN                                                    UT                          84095                         1                      2                        5/1/2006                      4/1/2036                      4/3/2006                        2/1/2007
     577.53                       56522.36                       56697                     11.87                  FORT WORTH                                                      TX                          76179                         1                      2                        5/1/2006                      4/1/2036                     3/23/2006                        2/1/2007
     439.27                       43461.41                       43600                    11.725                  LITTLETON                                                       CO                          80120                         1                      2                        5/1/2006                      4/1/2036                     3/24/2006                        2/1/2007
     348.66                       33996.12                       34100                     11.92                  BROOKLYN PARK                                                   MN                          55428                         1                      2                        5/1/2006                      4/1/2036                     3/21/2006                        2/1/2007
     512.29                       47851.17                       48000                      12.5                  BLOOMFIELD                                                      CT                           6002                         1                      2                        6/1/2006                      5/1/2021                     4/13/2006                        2/1/2007
     534.43                        48394.4                       48500                    12.945                  SAINT PETERSBURG                                                FL                          33702                         1                      2                        6/1/2006                      5/1/2036                     4/13/2006                        2/1/2007
     429.44                       41850.25                       42000                     11.92                  ARVADA                                                          CO                          80003                         1                      2                        5/1/2006                      4/1/2036                     3/24/2006                        2/1/2007
     940.09                       91800.21                       92082                      11.9                  PORT SAINT LUCIE                                                FL                          34953                         1                      2                        5/1/2006                      4/1/2036                     3/24/2006                        2/1/2007
     503.22                       47388.47                       48540                     9.375                  SAN ANTONIO                                                     TX                          78245                         1                      2                        6/1/2006                      5/1/2021                      5/1/2006                        2/1/2007
     589.99                       61891.87                       62100                     10.97                  VERO BEACH                                                      FL                          32967                         1                      2                        6/1/2006                      5/1/2036                     4/28/2006                        2/1/2007
     420.24                        40974.7                       41100                     11.92                  JOHNSTOWN                                                       CO                          80534                         1                      2                        5/1/2006                      4/1/2036                      4/3/2006                        2/1/2007
     199.45                       20470.21                       20535                     11.25                  HARKER HEIGHTS                                                  TX                          76548                         2                      2                        6/1/2006                      5/1/2036                     4/28/2006                        2/1/2007
    1121.69                       98557.79                       98776                    13.375                  ODENTON                                                         MD                          21113                         1                      2                        5/1/2006                      4/1/2021                     3/31/2006                        2/1/2007
     272.63                        25530.8                       25600                     12.47                  PARMA                                                           OH                          44134                         1                      2                        5/1/2006                      4/1/2036                     3/25/2006                        2/1/2007
     246.76                       25582.39                       25656                    11.125                  DANVILLE                                                        IN                          46122                         1                      2                        7/1/2006                      6/1/2036                     5/24/2006                        2/1/2007
     283.14                       23859.72                       23896                        14                  KENT                                                            OH                          44240                         1                      2                        7/1/2006                      6/1/2036                      5/5/2006                        2/1/2007
     126.95                        14549.8                       14620                     9.875                  NORMAN                                                          OK                          73071                         1                      2                        7/1/2006                      6/1/2036                     5/12/2006                        2/1/2007
    1336.02                       124666.1                      125000                     12.52                  SALT LAKE CITY                                                  UT                          84117                         1                      2                        5/1/2006                      4/1/2036                      4/4/2006                        2/1/2007
     127.08                       10981.83                       11000                    13.625                  WASHINGTON                                                      PA                          15301                         3                      2                        7/1/2006                      6/1/2036                      5/4/2006                        2/1/2007
     311.15                       32535.49                       33000                    10.875                  ORLANDO                                                         FL                          32822                         1                      2                        6/1/2006                      5/1/2036                     4/24/2006                        2/1/2007
     480.66                       47860.94                       48000                    11.645                  SAFETY HARBOR                                                   FL                          34695                         1                      2                        6/1/2006                      5/1/2036                     4/17/2006                        2/1/2007
     205.84                       20144.35                       20200                    11.875                  VALPARAISO                                                      IN                          46385                         1                      2                        6/1/2006                      5/1/2036                     4/28/2006                        2/1/2007
     659.89                       65808.05                       66000                    11.625                  ORLANDO                                                         FL                          32812                         1                      2                        6/1/2006                      5/1/2036                     4/12/2006                        2/1/2007
     165.42                       15462.83                       15500                      12.5                  MESQUITE                                                        TX                          75150                         1                      2                        6/1/2006                      5/1/2036                     4/27/2006                        2/1/2007
     597.94                       65284.05                       65500                    10.475                  MIAMI                                                           FL                          33186                         1                      2                        7/1/2006                      6/1/2036                     5/15/2006                        2/1/2007
      362.9                       28660.73                       28700                        15                  TAMPA                                                           FL                          33614                         1                      2                        6/1/2006                      5/1/2036                     4/28/2006                        2/1/2007
     379.22                        37888.8                       38000                      11.6                  LAYTON                                                          UT                          84041                         1                      2                        6/1/2006                      5/1/2036                     4/28/2006                        2/1/2007
     189.96                       17291.12                       17325                    12.875                  MIRAMAR                                                         FL                          33025                         1                      2                        7/1/2006                      6/1/2036                     5/11/2006                        2/1/2007
    1127.97                      119219.92                      119629                    10.875                  JACKSONVILLE                                                    FL                          32259                         1                      2                        6/1/2006                      5/1/2036                     4/26/2006                        2/1/2007
     692.67                        65257.8                       65400                    12.395                  BURBANK                                                         IL                          60459                         1                      2                        7/1/2006                      6/1/2036                     4/28/2006                        2/1/2007
     338.05                       32905.33                       33000                    11.945                  INDIANAPOLIS                                                    IN                          46224                         1                      2                        6/1/2006                      5/1/2036                     4/24/2006                        2/1/2007
     475.03                       45457.65                       45600                     12.17                  DELTONA                                                         FL                          32738                         1                      2                        6/1/2006                      5/1/2036                     4/27/2006                        2/1/2007
     242.32                       22447.42                       22500                    12.625                  BARBERTON                                                       OH                          44203                         1                      2                        6/1/2006                      5/1/2036                     4/21/2006                        2/1/2007
     604.98                       54879.54                       55000                     12.92                  PINELLAS PARK                                                   FL                          33781                         1                      2                        6/1/2006                      5/1/2036                     4/21/2006                        2/1/2007
     234.74                       20713.29                       20750                     13.32                  FORT MYERS                                                      FL                          33905                         1                      2                        7/1/2006                      6/1/2036                      5/2/2006                        2/1/2007
     778.73                       79156.16                       79400                    11.375                  ODESSA                                                          FL                          33556                         1                      2                        6/1/2006                      5/1/2036                     4/28/2006                        2/1/2007
      318.9                       29935.48                       30000                    12.445                  FORT MYERS                                                      FL                          33916                         1                      2                        7/1/2006                      6/1/2036                     5/11/2006                        2/1/2007
     159.22                       19687.73                       19788                         9                  MAPLE HEIGHTS                                                   OH                          44137                         1                      2                        6/1/2006                      5/1/2036                     4/27/2006                        2/1/2007
     619.01                       59705.66                       65000                        11                  CAPE CORAL                                                      FL                          33993                         1                      2                        6/1/2006                      5/1/2036                     4/28/2006                        2/1/2007
     930.88                       97078.81                       97400                    11.045                  CHICAGO                                                         IL                          60607                         1                      2                        6/1/2006                      5/1/2036                     4/14/2006                        2/1/2007
     326.57                       26558.12                       27000                    12.145                  TUCSON                                                          AZ                          85745                         1                      2                        7/1/2006                      6/1/2021                      5/5/2006                        2/1/2007
     950.48                       87289.25                       87465                     12.75                  CAPE CORAL                                                      FL                          33993                         1                      2                        7/1/2006                      6/1/2036                      5/9/2006                        2/1/2007
     617.19                        63002.6                       63199                     11.32                  HAINES CITY                                                     FL                          33844                         1                      2                        6/1/2006                      5/1/2036                     4/20/2006                        2/1/2007
      173.4                       13306.99                       13500                     15.25                  LA SALLE                                                        CO                          80645                         1                      2                        6/1/2006                      5/1/2036                      5/1/2006                        2/1/2007
     953.21                       80981.66                       81125                    13.875                  SEMINOLE                                                        FL                          33772                         1                      2                        6/1/2006                      5/1/2036                     4/28/2006                        2/1/2007
     563.68                       54669.88                       54800                        12                  ROYAL PALM BEACH                                                FL                          33411                         1                      2                        7/1/2006                      6/1/2036                     5/11/2006                        2/1/2007
    1512.68                      128797.21                      129000                    13.845                  SAINT PAUL                                                      MN                          55104                         1                      2                        7/1/2006                      6/1/2036                      5/4/2006                        2/1/2007
     857.35                       85961.02                       86576                      11.5                  WINTER GARDEN                                                   FL                          34787                         1                      2                        6/1/2006                      5/1/2036                     4/28/2006                        2/1/2007
     119.99                       11618.89                       11775                    11.875                  CLEVELAND                                                       OH                          44122                         1                      2                        6/1/2006                      5/1/2036                     4/17/2006                        2/1/2007
    2587.39                      298435.71                      300000                     9.795                  PHILADELPHIA                                                    PA                          19119                         1                      2                        6/1/2006                      5/1/2036                     4/21/2006                        2/1/2007
     337.25                       31513.82                       31600                      12.5                  PALM BAY                                                        FL                          32907                         1                      2                        6/1/2006                      5/1/2036                     4/28/2006                        2/1/2007
     366.22                       33623.39                       33700                     12.75                  OKLAHOMA CITY                                                   OK                          73114                         1                      2                        6/1/2006                      5/1/2036                      5/1/2006                        2/1/2007
     185.18                       14977.59                       15000                    14.625                  WILMINGTON                                                      DE                          19802                         1                      2                        6/1/2006                      5/1/2036                     4/20/2006                        2/1/2007
     522.35                       53608.22                       53780                     11.25                  NORTH PORT                                                      FL                          34286                         1                      2                        6/1/2006                      5/1/2036                     4/28/2006                        2/1/2007
     371.93                       36893.93                       37000                    11.695                  MILFORD                                                         OH                          45150                         1                      2                        6/1/2006                      5/1/2036                      5/1/2006                        2/1/2007
     275.82                       27112.94                       27180                     11.82                  ATLANTA                                                         GA                          30349                         1                      2                        7/1/2006                      6/1/2036                     5/12/2006                        2/1/2007
     275.82                       27112.94                       27180                     11.82                  ATLANTA                                                         GA                          30349                         1                      2                        7/1/2006                      6/1/2036                     5/12/2006                        2/1/2007
     471.56                       44898.96                       45000                     12.25                  TAMPA                                                           FL                          33603                         1                      2                        7/1/2006                      6/1/2021                      5/5/2006                        2/1/2007
     293.85                       27894.72                       28000                     12.27                  GREENWOOD                                                       IN                          46143                         1                      2                        6/1/2006                      5/1/2036                     4/21/2006                        2/1/2007
     310.92                       29335.87                       29400                    12.375                  WILMINGTON                                                      DE                          19806                         1                      2                        7/1/2006                      6/1/2036                     5/19/2006                        2/1/2007
    1129.06                          94219                       94500                    14.125                  WILLOUGHBY                                                      OH                          44094                         1                      2                        6/1/2006                      5/1/2036                     4/21/2006                        2/1/2007
     594.38                       61003.96                       61197                     11.25                  SANFORD                                                         FL                          32773                         1                      2                        6/1/2006                      5/1/2036                     4/21/2006                        2/1/2007
     393.48                       34589.46                       34650                    13.375                  MARTINSVILLE                                                    IN                          46151                         2                      2                        7/1/2006                      6/1/2036                     5/10/2006                        2/1/2007
     393.48                       34589.46                       34650                    13.375                  MARTINSVILLE                                                    IN                          46151                         2                      2                        7/1/2006                      6/1/2036                     5/10/2006                        2/1/2007
     646.09                       56782.54                       56895                    13.375                  GREENWOOD                                                       IN                          46143                         1                      2                        6/1/2006                      5/1/2036                     4/27/2006                        2/1/2007
     442.67                       47845.94                       48000                      10.6                  SAINT CLOUD                                                     FL                          34772                         1                      2                        7/1/2006                      6/1/2036                      5/8/2006                        2/1/2007
     400.77                       38301.28                       38400                    12.195                  BALTIMORE                                                       MD                          21215                         1                      2                        6/1/2006                      5/1/2036                     4/28/2006                        2/1/2007
     250.91                       27903.21                       28000                     10.25                  SURFSIDE BEACH                                                  TX                          77541                         1                      2                        7/1/2006                      6/1/2021                     5/12/2006                        2/1/2007
     202.41                        17057.1                       17083                        14                  HOUSTON                                                         TX                          77073                         1                      2                        7/1/2006                      6/1/2036                      5/2/2006                        2/1/2007
      932.4                       71387.97                       71475                      15.5                  DELTONA                                                         FL                          32725                         1                      2                        6/1/2006                      5/1/2036                     4/28/2006                        2/1/2007
     439.47                       44876.21                       45000                     11.32                  SAINT PETERSBURG                                                FL                          33710                         1                      2                        7/1/2006                      6/1/2036                     5/24/2006                        2/1/2007
     589.99                       61726.02                       62100                     10.97                  VERO BEACH                                                      FL                          32967                         1                      2                        6/1/2006                      5/1/2036                     4/28/2006                        2/1/2007
      296.4                       24791.62                       28400                    12.195                  MAGNA                                                           UT                          84044                         1                      2                        7/1/2006                      6/1/2036                      5/9/2006                        2/1/2007
     207.81                       17014.98                       17250                     14.25                  KANSAS CITY                                                     MO                          64132                         1                      2                        7/1/2006                      6/1/2036                     5/10/2006                        2/1/2007
     285.98                       25158.32                       25500                    13.195                  KANSAS CITY                                                     MO                          64132                         1                      2                        6/1/2006                      5/1/2036                     4/28/2006                        2/1/2007
     957.19                       73296.07                       73375                      15.5                  SAINT PETERSBURG                                                FL                          33701                         4                      2                        7/1/2006                      6/1/2036                     5/18/2006                        2/1/2007
     836.26                       85828.31                       86100                     11.25                  KISSIMMEE                                                       FL                          34746                         1                      2                        6/1/2006                      5/1/2036                     4/28/2006                        2/1/2007
     550.71                       51476.03                       51600                      12.5                  LAKE WORTH                                                      FL                          33460                         1                      2                        6/1/2006                      5/1/2036                     4/26/2006                        2/1/2007
     362.07                       35105.66                       35200                        12                  DAYTON                                                          OH                          45419                         2                      2                        6/1/2006                      5/1/2036                      5/1/2006                        2/1/2007
     508.52                       48643.77                       48797                    12.175                  SURPRISE                                                        AZ                          85388                         1                      2                        6/1/2006                      5/1/2036                     4/24/2006                        2/1/2007
     628.28                       53825.99                       53924                     13.75                  ORLANDO                                                         FL                          32824                         1                      2                        6/1/2006                      5/1/2036                     4/28/2006                        2/1/2007
     662.96                       74204.18                       74913                      10.1                  KISSIMMEE                                                       FL                          34759                         1                      2                        6/1/2006                      5/1/2036                     4/27/2006                        2/1/2007
      365.9                       39864.44                       40000                      10.5                  CHESAPEAKE CITY                                                 MD                          21915                         1                      2                        7/1/2006                      6/1/2036                     5/22/2006                        2/1/2007
     293.13                       31042.84                       31150                     10.85                  WINTER HAVEN                                                    FL                          33880                         1                      2                        6/1/2006                      5/1/2036                     4/28/2006                        2/1/2007
      487.9                       40441.93                       40500                     14.25                  ATLANTA                                                         GA                          30344                         1                      2                        7/1/2006                      6/1/2036                     5/10/2006                        2/1/2007
    1349.78                      134607.32                      135000                    11.625                  WINTER PARK                                                     FL                          32789                         1                      2                        6/1/2006                      5/1/2036                      5/3/2006                        2/1/2007
     456.41                       41895.15                       42000                     12.75                  EDGEWATER                                                       FL                          32141                         1                      2                        6/1/2006                      5/1/2036                      5/3/2006                        2/1/2007
     304.64                       29059.26                       29125                    12.225                  FARGO                                                           ND                          58102                         1                      2                        7/1/2006                      6/1/2036                     5/31/2006                        2/1/2007
      501.5                        47837.8                       47946                    12.225                  AUBREY                                                          TX                          76227                         1                      2                        7/1/2006                      6/1/2036                      5/9/2006                        2/1/2007
     247.46                       24686.33                       24750                    11.625                  MERIDEN                                                         CT                           6450                         3                      2                        7/1/2006                      6/1/2036                      5/5/2006                        2/1/2007
     326.28                       44746.48                       45000                     7.875                  STUART                                                          FL                          34997                         1                      2                        7/1/2006                      6/1/2036                     5/10/2006                        2/1/2007
     348.78                       30391.45                       30450                      13.5                  FORT WAYNE                                                      IN                          46809                         1                      2                        6/1/2006                      5/1/2036                     4/28/2006                        2/1/2007
     196.77                       17960.76                       18437                      12.5                  HOUSTON                                                         TX                          77067                         1                      2                        7/1/2006                      6/1/2036                     5/16/2006                        2/1/2007
     474.54                        43185.1                       43280                    12.875                  HAINES CITY                                                     FL                          33844                         1                      2                        7/1/2006                      6/1/2036                     5/19/2006                        2/1/2007
     401.44                       40977.11                       41090                    11.325                  HAMILTON                                                        IN                          46742                         2                      2                        7/1/2006                      6/1/2036                      5/3/2006                        2/1/2007
     261.07                       17532.86                       17775                        16                  ARLINGTON                                                       TX                          76010                         1                      2                        6/1/2006                      5/1/2021                     4/28/2006                        2/1/2007
    1188.94                      128249.33                      128660                    10.625                  LAKE WORTH                                                      FL                          33463                         1                      2                        7/1/2006                      6/1/2036                     5/16/2006                        2/1/2007
     130.57                       14823.74                       14878                        10                  CORPUS CHRISTI                                                  TX                          78410                         1                      2                        7/1/2006                      6/1/2036                     5/19/2006                        2/1/2007
     684.62                       62856.82                       63000                     12.75                  HOLLYWOOD                                                       FL                          33024                         1                      2                        6/1/2006                      5/1/2036                     4/26/2006                        2/1/2007
     642.06                       60565.76                       60733                     12.37                  CASTLE ROCK                                                     CO                          80104                         1                      2                        7/1/2006                      6/1/2036                      5/9/2006                        2/1/2007
     502.19                       44853.16                       45000                    13.125                  SAINT LOUIS                                                     MO                          63111                         2                      2                        6/1/2006                      5/1/2036                     4/28/2006                        2/1/2007
     209.77                       26839.37                       26970                     8.625                  INDIANAPOLIS                                                    IN                          46239                         1                      2                        7/1/2006                      6/1/2036                      5/9/2006                        2/1/2007
     556.54                       56002.29                       56200                      11.5                  CAPE CORAL                                                      FL                          33909                         1                      2                        6/1/2006                      5/1/2036                     4/26/2006                        2/1/2007
     375.12                       31279.67                       31980                    11.575                  LEBANON                                                         TN                          37087                         1                      2                        6/1/2006                      5/1/2021                     4/28/2006                        2/1/2007
     443.42                       41140.07                       41790                     12.42                  KINGMAN                                                         AZ                          86401                         1                      2                        7/1/2006                      6/1/2036                     5/24/2006                        2/1/2007
     354.27                       35408.11                       35500                      11.6                  CLEARFIELD                                                      UT                          84015                         1                      2                        7/1/2006                      6/1/2036                     5/16/2006                        2/1/2007
     158.98                       14467.99                       14500                    12.875                  CLEVELAND                                                       OH                          44109                         2                      2                        6/1/2006                      5/1/2036                      5/3/2006                        2/1/2007
     442.88                       38931.85                       39000                    13.375                  DAVENPORT                                                       FL                          33897                         1                      2                        7/1/2006                      6/1/2036                      5/5/2006                        2/1/2007
     891.04                       94213.99                       94500                    10.875                  ADDISON                                                         IL                          60101                         1                      2                        7/1/2006                      6/1/2036                     5/25/2006                        2/1/2007
     224.12                       20955.44                       21000                      12.5                  EL PASO                                                         TX                          79936                         1                      2                        7/1/2006                      6/1/2036                     5/19/2006                        2/1/2007
     549.36                       61218.45                       61432                    10.225                  LITTLE ELM                                                      TX                          75068                         1                      2                        7/1/2006                      6/1/2036                     5/17/2006                        2/1/2007
     556.37                       54449.63                       54600                    11.875                  MAITLAND                                                        FL                          32751                         1                      2                        6/1/2006                      5/1/2036                     4/27/2006                        2/1/2007
     457.69                       51939.28                       52154                        10                  FORT WORTH                                                      TX                          76120                         1                      2                        6/1/2006                      5/1/2036                      5/2/2006                        2/1/2007
     230.53                       21554.12                       21600                      12.5                  EL PASO                                                         TX                          79936                         1                      2                        7/1/2006                      6/1/2036                     5/24/2006                        2/1/2007
     174.44                       17563.46                       17980                      8.25                  JACKSONVILLE                                                    FL                          32211                         1                      2                        7/1/2006                      6/1/2021                      5/5/2006                        2/1/2007
    1089.81                      103601.16                      104000                     12.25                  MIAMI                                                           FL                          33131                         1                      2                        7/1/2006                      6/1/2036                     5/11/2006                        2/1/2007
     773.46                       56161.45                       56250                    16.375                  SAINT LOUIS                                                     MO                          63130                         2                      2                        7/1/2006                      6/1/2036                      5/5/2006                        2/1/2007
     355.07                       36596.37                       36700                      11.2                  WEST JORDAN                                                     UT                          84084                         1                      2                        7/1/2006                      6/1/2036                      5/3/2006                        2/1/2007
      856.7                       88958.94                       89250                      11.1                  LITTLE ROCK                                                     AR                          72223                         1                      2                        6/1/2006                      5/1/2036                     4/26/2006                        2/1/2007
     293.61                       25159.53                       25200                     13.75                  WEST HARTFORD                                                   CT                           6110                         2                      2                        7/1/2006                      6/1/2036                     5/16/2006                        2/1/2007
     529.61                        53834.2                       54000                    11.375                  JACKSONVILLE                                                    FL                          32246                         1                      2                        6/1/2006                      5/1/2036                      5/2/2006                        2/1/2007
     680.96                       52143.84                       52200                      15.5                  GREER                                                           SC                          29651                         1                      2                        7/1/2006                      6/1/2036                      5/8/2006                        2/1/2007
     500.93                       38358.74                       38400                      15.5                  PENDLETON                                                       SC                          29670                         1                      2                        7/1/2006                      6/1/2036                      5/8/2006                        2/1/2007
     693.67                        67256.2                       67437                        12                  HAINES CITY                                                     FL                          33844                         1                      2                        6/1/2006                      5/1/2036                     4/28/2006                        2/1/2007
     357.59                       37864.02                       38000                     10.85                  JACKSONVILLE                                                    FL                          32225                         1                      2                        7/1/2006                      6/1/2036                      5/9/2006                        2/1/2007
    1131.47                      109739.25                      110000                        12                  EAGLE LAKE                                                      FL                          33839                         1                      2                        7/1/2006                      6/1/2036                     5/12/2006                        2/1/2007
     189.71                       19920.01                       20000                     10.95                  FORT WAYNE                                                      IN                          46825                         1                      2                        7/1/2006                      6/1/2036                      5/5/2006                        2/1/2007
     289.12                       23965.64                       24000                     14.25                  JACKSONVILLE                                                    FL                          32209                         2                      2                        7/1/2006                      6/1/2036                     5/26/2006                        2/1/2007
     812.06                       75789.59                       75950                    12.525                  BURBANK                                                         IL                          60459                         1                      2                        7/1/2006                      6/1/2036                     5/10/2006                        2/1/2007
     635.71                        59869.6                       60000                      12.4                  COLORADO SPRINGS                                                CO                          80917                         1                      2                        7/1/2006                      6/1/2036                      5/5/2006                        2/1/2007
     333.11                       32418.99                       33000                     11.75                  JACKSONVILLE                                                    FL                          32207                         1                      2                        6/1/2006                      5/1/2036                     4/27/2006                        2/1/2007
     429.99                       39858.06                       39998                      12.6                  WINTER HAVEN                                                    FL                          33884                         1                      2                        6/1/2006                      5/1/2036                     4/28/2006                        2/1/2007
      171.7                       16814.27                       16850                    11.875                  INDIANAPOLIS                                                    IN                          46217                         1                      2                        8/1/2006                      7/1/2036                      6/5/2006                        2/1/2007
     785.77                       79288.62                       79500                    11.475                  ALTAMONTE SPRINGS                                               FL                          32701                         1                      2                        7/1/2006                      6/1/2036                     5/16/2006                        2/1/2007
     499.66                       45887.64                       45980                     12.75                  LITTLETON                                                       CO                          80127                         1                      2                        7/1/2006                      6/1/2036                      5/4/2006                        2/1/2007
     282.91                       26689.81                       26800                     12.35                  DENVER                                                          CO                          80239                         1                      2                        7/1/2006                      6/1/2036                     5/11/2006                        2/1/2007
     263.11                       29982.89                       30300                     9.875                  JACKSONVILLE                                                    FL                          32277                         1                      2                        6/1/2006                      5/1/2036                     4/28/2006                        2/1/2007
     510.71                       52335.07                       52500                     11.27                  CAPE CORAL                                                      FL                          33990                         1                      2                        6/1/2006                      5/1/2036                      5/4/2006                        2/1/2007
     424.47                       56204.72                       56500                      8.25                  KALISPELL                                                       MT                          59901                         1                      2                        7/1/2006                      6/1/2036                     5/30/2006                        2/1/2007
     499.06                       50261.73                       50395                      11.5                  LEHIGH ACRES                                                    FL                          33972                         1                      2                        7/1/2006                      6/1/2036                     5/17/2006                        2/1/2007
     282.36                       25431.83                       25480                    13.025                  STONE MOUNTAIN                                                  GA                          30083                         1                      2                        7/1/2006                      6/1/2036                     5/16/2006                        2/1/2007
     373.34                       33685.89                       33750                        13                  CONYERS                                                         GA                          30012                         2                      2                        7/1/2006                      6/1/2036                     5/19/2006                        2/1/2007
     324.85                       30930.42                       31000                     12.25                  COLORADO SPRINGS                                                CO                          80909                         1                      2                        7/1/2006                      6/1/2036                     5/15/2006                        2/1/2007
     236.48                       25559.69                       25642                      10.6                  OCALA                                                           FL                          34472                         1                      2                        7/1/2006                      6/1/2036                      5/2/2006                        2/1/2007
      519.1                       48100.42                       48200                    12.625                  PORT CHARLOTTE                                                  FL                          33954                         1                      2                        7/1/2006                      6/1/2036                      5/8/2006                        2/1/2007
     560.35                       46830.81                       46900                    14.125                  SEMINOLE                                                        FL                          33772                         1                      2                        7/1/2006                      6/1/2036                      5/5/2006                        2/1/2007
     470.45                        49235.5                       49400                        11                  BRADENTON                                                       FL                          34203                         1                      2                        6/1/2006                      5/1/2021                     4/28/2006                        2/1/2007
      442.9                       41023.03                       41125                    12.625                  SELMA                                                           IN                          47383                         1                      2                        7/1/2006                      6/1/2036                     5/26/2006                        2/1/2007
     512.28                       47761.73                       48000                      12.5                  CAPE CORAL                                                      FL                          33993                         1                      2                        6/1/2006                      5/1/2036                      5/2/2006                        2/1/2007
     323.64                       28450.21                       28500                    13.375                  DANVILLE                                                        IN                          46122                         1                      2                        7/1/2006                      6/1/2036                     5/18/2006                        2/1/2007
     193.98                       16212.08                       16236                    14.125                  HOUSTON                                                         TX                          77073                         1                      2                        7/1/2006                      6/1/2036                     5/12/2006                        2/1/2007
     452.39                       30858.24                       32900                    16.375                  INDEPENDENCE                                                    MO                          64052                         1                      2                        7/1/2006                      6/1/2036                      5/4/2006                        2/1/2007
     923.69                       84786.32                       85000                     12.75                  SAINT PETERSBURG                                                FL                          33701                         1                      2                        6/1/2006                      5/1/2036                     4/28/2006                        2/1/2007
     266.31                       25590.83                       25650                    12.125                  MASON                                                           OH                          45040                         1                      2                        7/1/2006                      6/1/2036                      5/5/2006                        2/1/2007
      484.5                       49265.78                       49400                    11.375                  OVIEDO                                                          FL                          32765                         1                      2                        7/1/2006                      6/1/2036                      5/9/2006                        2/1/2007
     447.74                       46795.21                       47580                     10.85                  LEHIGH ACRES                                                    FL                          33972                         1                      2                        7/1/2006                      6/1/2036                     5/25/2006                        2/1/2007
     364.08                       35880.07                       36000                    11.775                  CHICAGO                                                         IL                          60624                         1                      2                        6/1/2006                      5/1/2036                      5/3/2006                        2/1/2007
     462.12                       43977.72                       44100                     12.25                  CHICAGO                                                         IL                          60634                         1                      2                        7/1/2006                      6/1/2036                     5/22/2006                        2/1/2007
     146.69                       12360.85                       12380                        14                  OKLAHOMA CITY                                                   OK                          73127                         1                      2                        7/1/2006                      6/1/2036                     5/12/2006                        2/1/2007
    1274.99                      129646.87                      130000                    11.375                  POMPANO BEACH                                                   FL                          33060                         1                      2                        7/1/2006                      6/1/2036                     5/17/2006                        2/1/2007
     409.93                       40894.54                       41000                    11.625                  SNELLVILLE                                                      GA                          30039                         1                      2                        7/1/2006                      6/1/2036                     5/19/2006                        2/1/2007
     353.55                       45751.53                       45980                       8.5                  DAVENPORT                                                       FL                          33837                         1                      2                        7/1/2006                      6/1/2036                     5/10/2006                        2/1/2007
      863.7                       84394.99                       84600                      11.9                  STONE MOUNTAIN                                                  GA                          30087                         1                      2                        7/1/2006                      6/1/2036                     5/12/2006                        2/1/2007
     227.61                       25310.61                       25400                     10.25                  LAUDERDALE LAKES                                                FL                          33313                         1                      2                        7/1/2006                      6/1/2036                     5/22/2006                        2/1/2007
     463.45                       49100.15                       49250                     10.85                  KISSIMMEE                                                       FL                          34759                         1                      2                        7/1/2006                      6/1/2036                     5/22/2006                        2/1/2007
     516.84                       45367.47                       45513                    13.375                  ORLANDO                                                         FL                          32824                         1                      2                        6/1/2006                      5/1/2021                     4/28/2006                        2/1/2007
     281.23                       25144.05                       25200                    13.125                  INDIANAPOLIS                                                    IN                          46219                         1                      2                        7/1/2006                      6/1/2036                     5/22/2006                        2/1/2007
     229.96                       22940.83                       23000                    11.625                  WEST MELBOURNE                                                  FL                          32904                         1                      2                        7/1/2006                      6/1/2036                      5/5/2006                        2/1/2007
     188.85                       21403.71                       21520                        10                  INDIANAPOLIS                                                    IN                          46268                         1                      2                        7/1/2006                      6/1/2036                     5/25/2006                        2/1/2007
     486.34                       36238.31                       36750                    13.875                  BALTIMORE                                                       MD                          21206                         2                      2                        7/1/2006                      6/1/2021                     5/31/2006                        2/1/2007
     651.14                       61416.93                       61569                    12.375                  KISSIMMEE                                                       FL                          34744                         1                      2                        6/1/2006                      5/1/2021                     4/28/2006                        2/1/2007
     497.95                       48254.18                       48500                    11.975                  DAVENPORT                                                       FL                          33896                         1                      2                        7/1/2006                      6/1/2036                     5/24/2006                        2/1/2007
     590.18                       54626.21                       54800                    12.625                  WOODBRIDGE                                                      VA                          22191                         1                      2                        7/1/2006                      6/1/2036                     5/23/2006                        2/1/2007
     468.78                       44866.55                       45000                     12.17                  CHAMPLIN                                                        MN                          55316                         1                      2                        7/1/2006                      6/1/2036                     5/26/2006                        2/1/2007
     375.55                       33885.52                       33950                        13                  JACKSONVILLE                                                    FL                          32209                         1                      2                        7/1/2006                      6/1/2036                     5/22/2006                        2/1/2007
     351.13                       32839.17                       32900                      12.5                  KISSIMMEE                                                       FL                          34759                         1                      2                        8/1/2006                      7/1/2036                      6/2/2006                        2/1/2007
    1592.03                      142773.33                      145200                    12.875                  PHOENIX                                                         AZ                          85086                         1                      2                        7/1/2006                      6/1/2021                     5/19/2006                        2/1/2007
     706.59                        69824.7                       70000                     11.75                  CAPE CORAL                                                      FL                          33990                         2                      2                        7/1/2006                      6/1/2036                     5/10/2006                        2/1/2007
     421.28                       36673.05                       36780                      13.5                  TAYLORSVILLE                                                    KY                          40071                         1                      2                        7/1/2006                      6/1/2036                     5/24/2006                        2/1/2007
     360.01                       34876.09                       35000                        12                  DENVER                                                          CO                          80205                         1                      2                        7/1/2006                      6/1/2036                     5/26/2006                        2/1/2007
     317.85                       30826.67                       30900                        12                  GRIFFIN                                                         GA                          30224                         1                      2                        7/1/2006                      6/1/2036                      5/8/2006                        2/1/2007
     787.28                       79289.81                       79500                      11.5                  FORT LAUDERDALE                                                 FL                          33309                         1                      2                        7/1/2006                      6/1/2036                     5/12/2006                        2/1/2007
     276.17                       24277.56                       24320                    13.375                  WILMINGTON                                                      DE                          19805                         1                      2                        7/1/2006                      6/1/2036                     5/24/2006                        2/1/2007
     392.22                       36671.93                       36750                      12.5                  RANCHOS DE TAOS                                                 NM                          87557                         1                      2                        7/1/2006                      6/1/2036                     5/23/2006                        2/1/2007
     254.16                       21963.63                       22000                    13.625                  MASON                                                           OH                          45040                         1                      2                        7/1/2006                      6/1/2036                     5/30/2006                        2/1/2007
     592.78                       50371.26                       50450                    13.875                  ROCKWALL                                                        TX                          75032                         1                      2                        7/1/2006                      6/1/2036                     5/22/2006                        2/1/2007
     763.11                       73330.46                       73500                    12.125                  ALPHARETTA                                                      GA                          30004                         1                      2                        7/1/2006                      6/1/2036                     5/16/2006                        2/1/2007
     355.11                       38674.87                       38821                      10.5                  SHERIDAN                                                        IN                          46069                         1                      2                        7/1/2006                      6/1/2036                     5/12/2006                        2/1/2007
     524.44                       63920.72                       64200                      9.17                  DRAPER                                                          UT                          84020                         1                      2                        7/1/2006                      6/1/2036                     5/18/2006                        2/1/2007
     528.96                       45298.47                       45400                     13.75                  DAVENPORT                                                       FL                          33837                         1                      2                        7/1/2006                      6/1/2036                     5/31/2006                        2/1/2007
      822.8                        76119.2                       76400                    12.625                  WEST PALM BEACH                                                 FL                          33411                         1                      2                        7/1/2006                      6/1/2036                     5/26/2006                        2/1/2007
     346.35                       29911.45                       29980                    13.625                  OPA LOCKA                                                       FL                          33055                         1                      2                        7/1/2006                      6/1/2036                     5/15/2006                        2/1/2007
    1182.05                       92474.09                       92750                    15.125                  ARNOLD                                                          MO                          63010                         4                      2                        7/1/2006                      6/1/2036                     5/16/2006                        2/1/2007
     327.85                        30932.3                       31000                    12.375                  JACKSONVILLE                                                    FL                          32211                         1                      2                        7/1/2006                      6/1/2036                     5/18/2006                        2/1/2007
     273.68                       32416.33                       32548                       9.5                  PORTLAND                                                        TX                          78374                         1                      2                        7/1/2006                      6/1/2036                     5/22/2006                        2/1/2007
     137.13                       14343.06                       14400                        11                  FORT MYERS                                                      FL                          33916                         1                      2                        7/1/2006                      6/1/2036                     5/11/2006                        2/1/2007
     237.83                       25890.48                       26000                      10.5                  INDIANAPOLIS                                                    IN                          46234                         1                      2                        7/1/2006                      6/1/2036                     5/26/2006                        2/1/2007
     463.34                       42392.27                       42500                    12.795                  WHEELING                                                        IL                          60090                         1                      2                        7/1/2006                      6/1/2036                     5/16/2006                        2/1/2007
    3545.73                      298614.48                      299250                        14                  CAPE CORAL                                                      FL                          33990                         1                      2                        7/1/2006                      6/1/2036                     5/30/2006                        2/1/2007
     986.58                       93937.76                       94149                     12.25                  BOCA RATON                                                      FL                          33428                         1                      2                        7/1/2006                      6/1/2036                     5/19/2006                        2/1/2007
     368.18                       35120.56                       35200                    12.225                  SAUK RAPIDS                                                     MN                          56379                         1                      2                        7/1/2006                      6/1/2036                     5/19/2006                        2/1/2007
      371.3                       31546.98                       31600                    13.875                  SAINT LOUIS                                                     MO                          63118                         2                      2                        7/1/2006                      6/1/2036                     5/22/2006                        2/1/2007
     703.54                       70279.97                       70500                      11.6                  CASTLE ROCK                                                     CO                          80104                         1                      2                        7/1/2006                      6/1/2036                     5/10/2006                        2/1/2007
     113.15                        10973.9                       11000                        12                  DAYTON                                                          OH                          45405                         1                      2                        7/1/2006                      6/1/2036                     5/16/2006                        2/1/2007
    1821.92                      149765.02                      150000                    14.375                  LARGO                                                           FL                          33774                         1                      2                        7/1/2006                      6/1/2036                     5/24/2006                        2/1/2007
     281.59                       26195.05                       26250                     12.57                  LAYTON                                                          UT                          84041                         1                      2                        7/1/2006                      6/1/2036                     5/15/2006                        2/1/2007
     539.61                       51654.16                       51800                     12.17                  SAINT PAUL                                                      MN                          55104                         1                      2                        7/1/2006                      6/1/2036                     5/11/2006                        2/1/2007
     313.23                       32159.99                       32250                     11.25                  KISSIMMEE                                                       FL                          34744                         1                      2                        7/1/2006                      6/1/2036                     5/19/2006                        2/1/2007
     172.76                       20910.53                       21000                      9.25                  PALM BAY                                                        FL                          32907                         1                      2                        7/1/2006                      6/1/2036                     5/26/2006                        2/1/2007
     347.72                       27466.82                       27500                        15                  SOUTH OGDEN                                                     UT                          84403                         1                      2                        7/1/2006                      6/1/2036                     5/31/2006                        2/1/2007
     255.25                       22610.53                       22800                     13.17                  SUGAR LAND                                                      TX                          77479                         1                      2                        7/1/2006                      6/1/2036                     5/19/2006                        2/1/2007
     346.14                       27341.97                       27375                        15                  SALT LAKE CITY                                                  UT                          84104                         1                      2                        7/1/2006                      6/1/2036                     5/31/2006                        2/1/2007
     434.62                        41381.9                       41475                     12.25                  HAMILTON                                                        IN                          46742                         1                      2                        7/1/2006                      6/1/2036                     5/22/2006                        2/1/2007
     444.06                       41735.88                       41850                     12.42                  FORT WORTH                                                      TX                          76131                         1                      2                        7/1/2006                      6/1/2036                     5/19/2006                        2/1/2007
      280.7                       18489.28                       18500                    18.125                  SOUTH BEND                                                      IN                          46637                         1                      2                        7/1/2006                      6/1/2036                     5/31/2006                        2/1/2007
     483.72                       53793.37                       53980                     10.25                  LEHIGH ACRES                                                    FL                          33936                         1                      2                        7/1/2006                      6/1/2036                     5/23/2006                        2/1/2007
      409.1                       39192.86                       39271                     12.17                  WINTER PARK                                                     FL                          32792                         1                      2                        8/1/2006                      7/1/2036                      6/1/2006                        2/1/2007
     455.72                       39730.81                       39800                    13.495                  NORTH PORT                                                      FL                          34286                         1                      2                        7/1/2006                      6/1/2036                     5/22/2006                        2/1/2007
     256.33                       24646.82                       25155                    11.875                  COLORADO SPRINGS                                                CO                          80906                         1                      2                        7/1/2006                      6/1/2036                     5/16/2006                        2/1/2007
     455.93                       43016.88                       43111                    12.375                  SANFORD                                                         FL                          32773                         1                      2                        7/1/2006                      6/1/2036                     5/16/2006                        2/1/2007
     301.71                       33088.99                       33200                     10.42                  TAYLORSVILLE                                                    UT                          84118                         1                      2                        7/1/2006                      6/1/2036                     5/10/2006                        2/1/2007
     384.18                       30565.99                       30625                    14.875                  INDIANAPOLIS                                                    IN                          46214                         1                      2                        7/1/2006                      6/1/2036                     5/26/2006                        2/1/2007
     754.01                       57737.83                       57800                      15.5                  TUCSON                                                          AZ                          85710                         1                      2                        7/1/2006                      6/1/2036                     5/16/2006                        2/1/2007
     250.14                        20074.3                       20100                     14.75                  LAFAYETTE                                                       LA                          70501                         1                      2                        7/1/2006                      6/1/2036                     5/18/2006                        2/1/2007
     717.76                       79446.82                       79800                    10.295                  APOPKA                                                          FL                          32712                         1                      2                        7/1/2006                      6/1/2036                     5/15/2006                        2/1/2007
    1735.82                      194314.36                      195000                     10.17                  RAMROD KEY                                                      FL                          33042                         1                      2                        7/1/2006                      6/1/2036                     5/26/2006                        2/1/2007
     336.45                       31910.95                       32000                    12.295                  BROOKLYN PARK                                                   MN                          55429                         1                      2                        7/1/2006                      6/1/2036                     5/26/2006                        2/1/2007
     576.32                       53885.33                       54000                      12.5                  DUNEDIN                                                         FL                          34698                         1                      2                        7/1/2006                      6/1/2036                     5/16/2006                        2/1/2007
     588.24                       59785.29                       60000                     11.37                  GROVELAND                                                       FL                          34736                         1                      2                        7/1/2006                      6/1/2036                     5/23/2006                        2/1/2007
     701.19                       61639.11                       61747                    13.375                  SANFORD                                                         FL                          32773                         1                      2                        7/1/2006                      6/1/2036                     5/17/2006                        2/1/2007
     398.23                       35931.61                       36000                        13                  NORTH LAUDERDALE                                                FL                          33068                         1                      2                        7/1/2006                      6/1/2036                     5/16/2006                        2/1/2007
     151.46                       12979.16                       13000                     13.75                  FORT WAYNE                                                      IN                          46809                         1                      2                        7/1/2006                      6/1/2036                     5/18/2006                        2/1/2007
     1781.1                       159305.1                      159600                    13.125                  WHEATON                                                         IL                          60187                         4                      2                        7/1/2006                      6/1/2036                     5/23/2006                        2/1/2007
    1063.53                        94826.2                       95000                     13.17                  DAYTONA BEACH                                                   FL                          32118                         1                      2                        7/1/2006                      6/1/2036                     5/16/2006                        2/1/2007
     166.28                       17408.54                       17460                        11                  HAMPTON                                                         GA                          30228                         1                      2                        7/1/2006                      6/1/2036                     5/19/2006                        2/1/2007
     187.18                       17190.43                       17225                     12.75                  WILMINGTON                                                      DE                          19801                         1                      2                        7/1/2006                      6/1/2036                     5/25/2006                        2/1/2007
     793.66                       68586.54                       68700                    13.625                  PENNSVILLE                                                      NJ                           8070                         1                      2                        7/1/2006                      6/1/2036                     5/26/2006                        2/1/2007
     506.61                       51022.77                       51158                      11.5                  LAND O LAKES                                                    FL                          34638                         1                      2                        7/1/2006                      6/1/2036                     5/30/2006                        2/1/2007
     283.59                       23856.01                       23934                        14                  INDIANAPOLIS                                                    IN                          46235                         1                      2                        7/1/2006                      6/1/2036                     5/18/2006                        2/1/2007
     949.37                       75585.97                       75680                    14.875                  AURORA                                                          CO                          80016                         1                      2                        7/1/2006                      6/1/2036                     5/15/2006                        2/1/2007
     157.75                       11987.44                       12000                    15.625                  AUGUSTA                                                         GA                          30906                         2                      2                        7/1/2006                      6/1/2036                     5/25/2006                        2/1/2007
     157.75                       11987.44                       12000                    15.625                  AUGUSTA                                                         GA                          30906                         2                      2                        7/1/2006                      6/1/2036                     5/25/2006                        2/1/2007
     529.36                       49418.72                       49600                      12.5                  APOPKA                                                          FL                          32703                         1                      2                        7/1/2006                      6/1/2036                     5/19/2006                        2/1/2007
     173.08                       14230.18                       14250                    14.375                  ROME                                                            GA                          30165                         1                      2                        7/1/2006                      6/1/2036                     5/30/2006                        2/1/2007
     421.49                       41178.95                       41300                    11.895                  SARASOTA                                                        FL                          34232                         1                      2                        7/1/2006                      6/1/2036                     5/19/2006                        2/1/2007
     179.51                       18769.27                       18850                        11                  PITTSFIELD                                                      MA                           1201                         4                      2                        7/1/2006                      6/1/2036                     5/31/2006                        2/1/2007
     973.46                       87832.75                       88000                        13                  MIRAMAR                                                         FL                          33025                         1                      2                        7/1/2006                      6/1/2036                     5/25/2006                        2/1/2007
    1735.74                      190363.13                      191000                     10.42                  VERO BEACH                                                      FL                          32963                         1                      2                        7/1/2006                      6/1/2036                     5/25/2006                        2/1/2007
     359.77                       32916.14                       33000                    12.795                  FEDERAL HEIGHTS                                                 CO                          80260                         1                      2                        7/1/2006                      6/1/2036                     5/24/2006                        2/1/2007
        473                       33871.93                       33900                    16.625                  GARLAND                                                         TX                          75043                         1                      2                        7/1/2006                      6/1/2036                     5/24/2006                        2/1/2007
     352.22                        33425.5                       33500                    12.295                  TOOELE                                                          UT                          84074                         1                      2                        7/1/2006                      6/1/2036                     5/22/2006                        2/1/2007
     534.33                       46570.81                       46650                      13.5                  BRANDON                                                         FL                          33511                         1                      2                        7/1/2006                      6/1/2036                     5/19/2006                        2/1/2007
     802.63                       79796.12                       80000                     11.67                  SYRACUSE                                                        UT                          84075                         1                      2                        7/1/2006                      6/1/2036                     5/25/2006                        2/1/2007
     264.74                       25916.67                       25980                    11.875                  PORT CHARLOTTE                                                  FL                          33952                         1                      2                        7/1/2006                      6/1/2036                     5/23/2006                        2/1/2007
     256.73                       24142.91                       24500                     12.25                  INDIANAPOLIS                                                    IN                          46226                         1                      2                        7/1/2006                      6/1/2036                     5/26/2006                        2/1/2007
     319.25                       32101.54                       32375                    11.445                  LAKELAND                                                        FL                          33815                         1                      2                        7/1/2006                      6/1/2036                     5/31/2006                        2/1/2007
     468.29                       43164.65                       43263                    12.695                  WINTER HAVEN                                                    FL                          33884                         1                      2                        7/1/2006                      6/1/2036                     5/24/2006                        2/1/2007
     112.77                       10737.88                       10762                     12.25                  FLINT                                                           TX                          75762                         1                      2                        7/1/2006                      6/1/2036                      6/2/2006                        2/1/2007
     918.11                       99664.72                      100000                    10.545                  WEEKIE WACHEE                                                   FL                          34614                         1                      2                        7/1/2006                      6/1/2036                     5/26/2006                        2/1/2007
      534.4                       42519.98                       42600                    14.875                  NEW BRITAIN                                                     CT                           6051                         3                      2                        7/1/2006                      6/1/2036                     5/31/2006                        2/1/2007
      222.3                       25504.21                       25600                     9.875                  EL PASO                                                         TX                          79912                         1                      2                        7/1/2006                      6/1/2036                     5/30/2006                        2/1/2007
     694.41                        59498.3                       59600                     13.75                  DENVER                                                          CO                          80218                         1                      2                        7/1/2006                      6/1/2036                     5/26/2006                        2/1/2007
     507.58                       54206.01                       54375                     10.75                  WEST PALM BEACH                                                 FL                          33415                         1                      2                        7/1/2006                      6/1/2036                      6/1/2006                        2/1/2007
      542.9                       53467.05                       53600                    11.795                  BURNSVILLE                                                      MN                          55337                         1                      2                        7/1/2006                      6/1/2036                     5/19/2006                        2/1/2007
     126.09                       11179.85                       11200                     13.25                  CABOT                                                           AR                          72023                         1                      2                        7/1/2006                      6/1/2036                     5/31/2006                        2/1/2007
     417.79                       40900.11                       41000                    11.875                  KALISPELL                                                       MT                          59901                         1                      2                        7/1/2006                      6/1/2036                     5/22/2006                        2/1/2007
     918.39                       82989.31                       83198                     12.97                  CENTENNIAL                                                      CO                          80111                         1                      2                        7/1/2006                      6/1/2036                     5/30/2006                        2/1/2007
     340.93                       33576.53                       33660                    11.795                  ORMOND BEACH                                                    FL                          32174                         1                      2                        7/1/2006                      6/1/2036                     5/26/2006                        2/1/2007
     464.61                       42887.59                       43000                     12.67                  NORTH AURORA                                                    IL                          60542                         1                      2                        7/1/2006                      6/1/2036                     5/30/2006                        2/1/2007
     305.24                       27431.67                       29400                    12.125                  CASSELBERRY                                                     FL                          32707                         1                      2                        7/1/2006                      6/1/2036                     5/30/2006                        2/1/2007
     733.64                       67684.17                       67900                     12.67                  AURORA                                                          CO                          80011                         1                      2                        7/1/2006                      6/1/2036                     5/26/2006                        2/1/2007
      581.4                       59831.37                       60000                     11.22                  GROVELAND                                                       FL                          34736                         1                      2                        7/1/2006                      6/1/2036                     5/31/2006                        2/1/2007
    1490.85                      140662.28                      140970                    12.375                  CICERO                                                          IL                          60804                         4                      2                        7/1/2006                      6/1/2036                      6/1/2006                        2/1/2007
     286.64                       20956.33                       21000                     16.25                  ATLANTA                                                         GA                          30310                         1                      2                        7/1/2006                      6/1/2036                     5/25/2006                        2/1/2007
     431.57                       42647.24                       42755                     11.75                  FAIRBURN                                                        GA                          30213                         1                      2                        7/1/2006                      6/1/2036                     5/24/2006                        2/1/2007
     645.24                       55291.08                       55380                     13.75                  MABLETON                                                        GA                          30126                         3                      2                        7/1/2006                      6/1/2036                     5/25/2006                        2/1/2007
     783.54                       69474.93                       69600                     13.25                  CHANDLER                                                        AZ                          85225                         1                      2                        7/1/2006                      6/1/2036                     5/25/2006                        2/1/2007
     537.82                       52473.05                       52600                     11.92                  ELK RIVER                                                       MN                          55330                         1                      2                        7/1/2006                      6/1/2036                     5/31/2006                        2/1/2007
     257.75                       29884.76                       30000                      9.75                  GALVESTON                                                       TX                          77554                         1                      2                        7/1/2006                      6/1/2036                      6/6/2006                        2/1/2007
     458.27                       45286.34                       45400                     11.75                  GAINESVILLE                                                     FL                          32605                         1                      2                        7/1/2006                      6/1/2036                     5/31/2006                        2/1/2007
     437.53                       41903.99                       42000                     12.17                  COLORADO SPRINGS                                                CO                          80918                         1                      2                        7/1/2006                      6/1/2036                     5/31/2006                        2/1/2007
     427.99                       41887.27                       42000                    11.875                  TUCSON                                                          AZ                          85730                         1                      2                        7/1/2006                      6/1/2021                     5/31/2006                        2/1/2007
     215.06                       17934.64                       18000                    14.125                  HUDSON                                                          OH                          44236                         1                      2                        7/1/2006                      6/1/2036                     5/25/2006                        2/1/2007
     381.23                       35969.34                       36048                    12.375                  WINTER HAVEN                                                    FL                          33880                         1                      2                        7/1/2006                      6/1/2036                     5/30/2006                        2/1/2007
     429.19                       41082.85                       41200                     12.17                  PHOENIX                                                         AZ                          85033                         1                      2                        7/1/2006                      6/1/2036                     5/26/2006                        2/1/2007
     244.76                       27458.89                       27600                    10.125                  LAKESIDE                                                        AZ                          85929                         1                      2                        7/1/2006                      6/1/2036                      6/1/2006                        2/1/2007
    1031.08                       92576.46                       92750                     13.07                  LEVITTOWN                                                       PA                          19056                         1                      2                        7/1/2006                      6/1/2036                      6/1/2006                        2/1/2007
     137.21                       14943.85                       15000                      10.5                  SAN ANTONIO                                                     TX                          78251                         1                      2                        7/1/2006                      6/1/2036                     5/24/2006                        2/1/2007
     672.37                       62883.57                       63000                      12.5                  INDIANAPOLIS                                                    IN                          46235                         1                      2                        8/1/2006                      7/1/2036                      6/7/2006                        2/1/2007
      456.5                       48268.49                       48415                    10.875                  TAVARES                                                         FL                          32778                         1                      2                        7/1/2006                      6/1/2036                     5/31/2006                        2/1/2007
     908.48                       72280.47                       72420                    14.875                  AURORA                                                          CO                          80016                         1                      2                        7/1/2006                      6/1/2036                     5/30/2006                        2/1/2007
     380.23                       36376.02                       36500                     12.17                  INDIANTOWN                                                      FL                          34956                         1                      2                        7/1/2006                      6/1/2036                     5/26/2006                        2/1/2007
    1056.72                       86878.75                       87000                    14.375                  FLAGSTAFF                                                       AZ                          86004                         1                      2                        7/1/2006                      6/1/2036                     5/26/2006                        2/1/2007
     727.38                       72315.28                       72500                     11.67                  CEDAR CITY                                                      UT                          84720                         1                      2                        7/1/2006                      6/1/2036                     5/31/2006                        2/1/2007
     427.76                       34602.07                       34650                    14.625                  CARTERSVILLE                                                    GA                          30121                         2                      2                        7/1/2006                      6/1/2036                     5/30/2006                        2/1/2007
     411.74                       34704.16                       34750                        14                  WESTVILLE                                                       NJ                           8093                         2                      2                        8/1/2006                      7/1/2036                      6/2/2006                        2/1/2007
     496.78                       47144.98                       47250                    12.295                  SAINT PETERSBURG                                                FL                          33705                         1                      2                        7/1/2006                      6/1/2036                      6/1/2006                        2/1/2007
      296.1                       27944.78                       27998                    12.375                  INDIANAPOLIS                                                    IN                          46217                         1                      2                        8/1/2006                      7/1/2036                      6/9/2006                        2/1/2007
     364.31                       34582.92                       34650                    12.295                  HIRAM                                                           GA                          30141                         1                      2                        8/1/2006                      7/1/2036                      6/8/2006                        2/1/2007
     777.62                       71785.79                       71970                     12.67                  HERRIMAN                                                        UT                          84065                         1                      2                        7/1/2006                      6/1/2036                      6/1/2006                        2/1/2007
     427.61                       38913.49                       39000                    12.875                  TARPON SPRINGS                                                  FL                          34689                         1                      2                        7/1/2006                      6/1/2036                     5/31/2006                        2/1/2007
     380.55                       37419.42                       37500                     11.82                  LAND O LAKES                                                    FL                          34639                         1                      2                        8/1/2006                      7/1/2036                     5/31/2006                        2/1/2007
     401.45                       31467.88                       31500                    15.125                  INDIANAPOLIS                                                    IN                          46217                         1                      2                        8/1/2006                      7/1/2036                      6/9/2006                        2/1/2007
     276.12                        34961.8                       35500                     8.625                  ROCKVILLE                                                       MD                          20850                         1                      2                        4/1/2005                      3/1/2035                      2/8/2005                        2/1/2007
      201.7                       24028.34                       24250                     9.375                  PASADENA                                                        TX                          77505                         1                      2                       10/1/2005                      9/1/2035                     8/16/2005                        2/1/2007
      657.7                        54829.7                       56300                      11.5                  SMYRNA                                                          GA                          30082                         1                      2                        4/1/2006                      3/1/2021                     2/17/2006                        2/1/2007
     448.22                       48771.78                       49000                      10.5                  GARDNERVILLE                                                    NV                          89460                         1                      2                        5/1/2006                      4/1/2021                     3/31/2006                        2/1/2007
    1102.33                      136169.14                      137000                         9                  GARDEN CITY                                                     ID                          83714                         1                      2                        5/1/2006                      4/1/2021                     3/29/2006                        2/1/2007
     876.23                      108284.72                      108900                         9                  LEESBURG                                                        VA                          20175                         1                      2                        5/1/2006                      4/1/2021                     3/28/2006                        2/1/2007
     571.28                       69835.59                       71000                         9                  SHELTON                                                         WA                          98584                         1                      2                        5/1/2006                      4/1/2021                     3/28/2006                        2/1/2007
    1077.05                      120906.53                      121450                    10.125                  FONTANA                                                         CA                          92336                         1                      2                        5/1/2006                      4/1/2021                     3/21/2006                        2/1/2007
     318.33                       34656.12                       34800                      10.5                  PROVO                                                           UT                          84601                         1                      2                        5/1/2006                      4/1/2021                     3/29/2006                        2/1/2007
     644.03                       59542.13                       59800                    12.625                  NEW HAVEN                                                       CT                           6519                         3                      2                        5/1/2006                      4/1/2036                     3/30/2006                        2/1/2007
     137.82                       12321.21                       12350                    13.125                  SAN ANTONIO                                                     TX                          78233                         1                      2                        5/1/2006                      4/1/2021                     3/20/2006                        2/1/2007
     352.75                        41293.8                       41500                     9.625                  BAYFIELD                                                        CO                          81122                         1                      2                        5/1/2006                      4/1/2021                     3/31/2006                        2/1/2007
     310.66                       36509.37                       37350                     9.375                  CHICAGO                                                         IL                          60652                         1                      2                        5/1/2006                      4/1/2021                     3/27/2006                        2/1/2007
     409.68                       32350.47                       32400                        15                  VALDOSTA                                                        GA                          31601                         2                      2                        5/1/2006                      4/1/2021                      4/3/2006                        2/1/2007
     361.39                       30441.41                       30500                        14                  THOMPSON                                                        ND                          58278                         1                      2                        5/1/2006                      4/1/2021                     3/31/2006                        2/1/2007
     447.37                        45897.7                       46060                     11.25                  FREDERICK                                                       CO                          80530                         1                      2                        5/1/2006                      4/1/2021                     3/30/2006                        2/1/2007
      642.1                       73739.25                       73945                     9.875                  LAUREL                                                          MD                          20708                         1                      2                        9/1/2006                      8/1/2021                     7/25/2006                        2/1/2007
     602.63                       53951.19                       54000                    13.125                  UPPER MARLBORO                                                  MD                          20774                         1                      2                       11/1/2006                     10/1/2021                      9/7/2006                        2/1/2007
     237.47                       22021.99                       22050                    12.625                  PETERSBURG                                                      VA                          23805                         1                      2                       10/1/2006                      9/1/2021                     8/22/2006                        2/1/2007
     211.95                       27168.23                       27250                     8.625                  RICHMOND                                                        VA                          23234                         1                      2                       10/1/2006                      9/1/2021                     8/15/2006                        2/1/2007
     318.75                       37360.24                       37500                     9.625                  MANASSAS                                                        VA                          20110                         1                      2                       10/1/2006                      9/1/2021                     8/31/2006                        2/1/2007
    1199.68                      107402.83                      107500                    13.125                  ROCKVILLE                                                       MD                          20852                         1                      2                       11/1/2006                     10/1/2021                     9/11/2006                        2/1/2007
      212.5                        24951.5                       25000                     9.625                  GLENDALE                                                        AZ                          85308                         1                      2                       11/1/2006                     10/1/2021                      9/6/2006                        2/1/2007
      192.1                       22556.16                       22600                     9.625                  PORTLAND                                                        OR                          97230                         1                      2                       11/1/2006                     10/1/2021                     9/18/2006                        2/1/2007
     882.51                        84879.3                       85000                    12.125                  BERWYN HEIGHTS                                                  MD                          20740                         1                      2                       10/1/2006                      9/1/2021                     8/24/2006                        2/1/2007
     636.45                       67374.08                       67500                    10.875                  GAITHERSBURG                                                    MD                          20878                         1                      2                       10/1/2006                      9/1/2021                     8/31/2006                        2/1/2007
     417.11                        43637.3                       43800                        11                  NEW HAVEN                                                       CT                           6511                         1                      2                        5/1/2006                      4/1/2036                      3/9/2006                        2/1/2007
    1340.13                       116728.8                      117000                      13.5                  GAITHERSBURG                                                    MD                          20879                         1                      2                        7/1/2006                      6/1/2036                     5/18/2006                        2/1/2007
     1013.8                      117605.13                      118000                      9.75                  BRONX                                                           NY                          10461                         2                      2                        8/1/2006                      7/1/2036                     6/29/2006                        2/1/2007
     311.94                       31427.47                       31500                      11.5                  ORLANDO                                                         FL                          32820                         1                      2                        8/1/2006                      7/1/2021                     6/29/2006                        2/1/2007
      290.7                       27929.17                       28000                    12.125                  HARVEY                                                          IL                          60426                         1                      2                        8/1/2006                      7/1/2036                     6/20/2006                        2/1/2007
      645.1                       71010.16                       71250                    10.375                  FREDERICK                                                       MD                          21702                         1                      2                        7/1/2006                      6/1/2036                      6/2/2006                        2/1/2007
     577.65                       75306.84                       76000                     8.375                  FORT LEE                                                        NJ                           7024                         1                      2                        1/1/2006                     12/1/2020                    12/22/2005                        2/1/2007
     320.52                       34849.23                       35040                      10.5                  BEAVERTON                                                       OR                          97007                         1                      2                        2/1/2006                      1/1/2036                    12/19/2005                        2/1/2007
     320.52                       34849.23                       35040                      10.5                  BEAVERTON                                                       OR                          97007                         1                      2                        2/1/2006                      1/1/2036                    12/19/2005                        2/1/2007
     381.32                       51713.78                       51967                         8                  RUTHER GLEN                                                     VA                          22546                         1                      2                        8/1/2006                      7/1/2036                      6/6/2006                        2/1/2007
     257.17                       28547.58                       28699                     10.25                  BOISE                                                           ID                          83709                         1                      2                        3/1/2006                      2/1/2036                     1/24/2006                        2/1/2007
     421.64                       44159.68                       44275                        11                  COMMERCIAL POINT                                                OH                          43116                         1                      2                        8/1/2006                      7/1/2036                     6/23/2006                        2/1/2007
      695.2                       72700.15                       73000                        11                  MIAMI                                                           FL                          33183                         1                      2                        4/1/2006                      3/1/2021                      2/2/2006                        2/1/2007
     943.16                       79414.48                       79600                        14                  PLANTATION                                                      FL                          33324                         1                      2                        3/1/2006                      2/1/2021                     1/31/2006                        2/1/2007
     320.15                       34840.24                       35000                      10.5                  SHERMANS DALE                                                   PA                          17090                         1                      2                        4/1/2006                      3/1/2036                     2/15/2006                        2/1/2007
     286.23                       38290.04                       38550                     8.125                  PAULDEN                                                         AZ                          86334                         1                      2                        5/1/2006                      4/1/2036                     3/13/2006                        2/1/2007
     286.75                       31846.36                       32000                     10.25                  PENN                                                            PA                          17331                         1                      2                        5/1/2006                      4/1/2036                     3/16/2006                        2/1/2007
     610.22                       74714.19                       75000                     9.125                  HOLTSVILLE                                                      NY                          11742                         1                      2                        8/1/2006                      7/1/2036                     6/15/2006                        2/1/2007
     216.05                       16961.76                       17300                     12.75                  THROOP                                                          PA                          18512                         1                      2                        5/1/2006                      4/1/2021                     3/31/2006                        2/1/2007
     284.33                        32306.5                       32400                        10                  MERIDIAN                                                        ID                          83642                         1                      2                        9/1/2006                      8/1/2021                      7/6/2006                        2/1/2007
     381.75                       47701.89                       47980                     8.875                  FREDERICK                                                       MD                          21703                         1                      2                        5/1/2006                      4/1/2021                     3/17/2006                        2/1/2007
     592.29                       64035.82                       64750                      10.5                  MAUMELLE                                                        AR                          72113                         1                      2                        8/1/2006                      7/1/2036                      6/1/2006                        2/1/2007
     259.93                       22412.53                       22500                    13.625                  HUNTSVILLE                                                      AL                          35805                         1                      2                        5/1/2006                      4/1/2036                     3/15/2006                        2/1/2007
     336.62                       36340.26                       36800                      10.5                  SAINT CLOUD                                                     MN                          56303                         1                      2                        8/1/2006                      7/1/2036                     6/16/2006                        2/1/2007
      612.8                       53384.44                       53500                      13.5                  ROUND ROCK                                                      TX                          78664                         1                      2                        5/1/2006                      4/1/2021                     3/13/2006                        2/1/2007
     377.39                        36898.2                       37035                    11.875                  BRIDGEPORT                                                      CT                           6606                         1                      2                        5/1/2006                      4/1/2021                     3/23/2006                        2/1/2007
     472.48                       41152.03                       41250                      13.5                  GEORGETOWN                                                      TX                          78628                         2                      2                        4/1/2006                      3/1/2021                      3/3/2006                        2/1/2007
     232.89                       27883.74                       28000                     9.375                  PEARL                                                           MS                          39208                         1                      2                        7/1/2006                      6/1/2036                     5/15/2006                        2/1/2007
     417.64                       42848.57                       43000                     11.25                  GROVE CITY                                                      OH                          43123                         1                      2                        5/1/2006                      4/1/2021                     3/22/2006                        2/1/2007
     242.38                       20928.34                       20980                    13.625                  SANTA FE                                                        TX                          77510                         1                      2                        5/1/2006                      4/1/2036                     3/15/2006                        2/1/2007
     504.23                       46282.18                       46400                     12.75                  SANDY                                                           UT                          84093                         1                      2                        5/1/2006                      4/1/2036                      3/8/2006                        2/1/2007
     704.72                       73810.13                       74000                        11                  DES MOINES                                                      WA                          98198                         1                      2                        8/1/2006                      7/1/2021                      6/7/2006                        2/1/2007
     321.24                       30019.31                       30100                      12.5                  COVINGTON                                                       GA                          30016                         1                      2                        5/1/2006                      4/1/2036                     3/27/2006                        2/1/2007
     250.98                       28468.69                       28600                        10                  MIDDLETOWN                                                      OH                          45044                         1                      2                        5/1/2006                      4/1/2036                     3/20/2006                        2/1/2007
    1052.79                       89460.12                       89600                    13.875                  NORTH SALT LAKE                                                 UT                          84054                         1                      2                        7/1/2006                      6/1/2036                     5/31/2006                        2/1/2007
     621.59                       60831.98                       61000                    11.875                  FORT WORTH                                                      TX                          76179                         1                      2                        6/1/2006                      5/1/2036                     4/19/2006                        2/1/2007
     252.44                       29407.55                       29700                     9.625                  UNIVERSAL CITY                                                  TX                          78148                         1                      2                        5/1/2006                      4/1/2021                     3/31/2006                        2/1/2007
     115.35                       13221.39                       13284                     9.875                  SPRING                                                          TX                          77386                         1                      2                        5/1/2006                      4/1/2036                     3/30/2006                        2/1/2007
     157.84                       13750.21                       13780                      13.5                  FOREST HILL                                                     TX                          76140                         1                      2                        5/1/2006                      4/1/2036                     3/24/2006                        2/1/2007
     623.47                        71461.5                       71800                     9.875                  COLTON                                                          CA                          92324                         1                      2                        5/1/2006                      4/1/2021                     3/16/2006                        2/1/2007
      87.75                        9869.49                       10000                        10                  NATIONAL PARK                                                   NJ                           8063                         1                      2                        5/1/2006                      4/1/2036                     4/10/2006                        2/1/2007
     207.98                       26030.79                       26140                     8.875                  CHEEKTOWAGA                                                     NY                          14225                         1                      2                        8/1/2006                      7/1/2036                     6/15/2006                        2/1/2007
    1261.06                      112791.14                      113000                    13.125                  SILVER SPRING                                                   MD                          20901                         1                      2                        7/1/2006                      6/1/2036                     5/30/2006                        2/1/2007
     280.97                       24270.14                       24321                    13.625                  SAN ANTONIO                                                     TX                          78223                         1                      2                        5/1/2006                      4/1/2036                     3/30/2006                        2/1/2007
     224.08                       22144.49                       22200                     11.75                  TALLULAH                                                        LA                          71282                         1                      2                        7/1/2006                      6/1/2036                      5/2/2006                        2/1/2007
     782.59                        76612.9                       76800                    11.875                  MANSFIELD                                                       MA                           2048                         2                      2                        7/1/2006                      6/1/2036                     5/26/2006                        2/1/2007
     253.41                       31523.16                       31850                     8.875                  YUMA                                                            AZ                          85367                         1                      2                        7/1/2006                      6/1/2021                     5/23/2006                        2/1/2007
     301.26                       39917.26                       40100                      8.25                  WINSTON SALEM                                                   NC                          27107                         1                      2                        8/1/2006                      7/1/2036                     6/28/2006                        2/1/2007
     237.14                       27762.53                       27900                     9.625                  LEANDER                                                         TX                          78641                         1                      2                        6/1/2006                      5/1/2036                      4/6/2006                        2/1/2007
     315.39                       27248.93                       27300                    13.625                  HOUSTON                                                         TX                          77015                         1                      2                        6/1/2006                      5/1/2036                     4/17/2006                        2/1/2007
     160.52                       18027.38                       18100                    10.125                  SANTA FE                                                        TX                          77510                         1                      2                        6/1/2006                      5/1/2036                     4/11/2006                        2/1/2007
      831.4                       93374.03                       93750                    10.125                  WOODBINE                                                        MD                          21797                         1                      2                        6/1/2006                      5/1/2021                     4/20/2006                        2/1/2007
     311.15                       32887.17                       33000                    10.875                  DAWSONVILLE                                                     GA                          30534                         1                      2                        6/1/2006                      5/1/2036                     4/28/2006                        2/1/2007
      98.77                        10921.8                       11375                     9.875                  HOUSTON                                                         TX                          77014                         1                      2                        6/1/2006                      5/1/2036                     4/28/2006                        2/1/2007
     249.27                        30170.9                       30300                      9.25                  HUNTSVILLE                                                      AL                          35810                         1                      2                        7/1/2006                      6/1/2036                      5/3/2006                        2/1/2007
      417.1                       40441.33                       40550                        12                  PORTLAND                                                        OR                          97220                         1                      2                        6/1/2006                      5/1/2036                     4/21/2006                        2/1/2007
     312.92                        30915.8                       31000                     11.75                  PORTLAND                                                        OR                          97203                         1                      2                        8/1/2006                      7/1/2036                     6/15/2006                        2/1/2007
     374.84                        35057.1                       35122                      12.5                  ALBANY                                                          NY                          12210                         3                      2                        8/1/2006                      7/1/2021                     6/13/2006                        2/1/2007
     374.84                        35057.1                       35122                      12.5                  ALBANY                                                          NY                          12210                         3                      2                        8/1/2006                      7/1/2021                     6/13/2006                        2/1/2007
     374.84                        35057.1                       35122                      12.5                  ALBANY                                                          NY                          12210                         3                      2                        8/1/2006                      7/1/2021                     6/13/2006                        2/1/2007
     618.38                       77398.14                       77720                     8.875                  FREDERICKSBURG                                                  VA                          22407                         1                      2                        8/1/2006                      7/1/2036                      6/5/2006                        2/1/2007
     201.88                       19956.39                       20000                     11.75                  JACKSONVILLE                                                    FL                          32209                         1                      2                        8/1/2006                      7/1/2036                      6/2/2006                        2/1/2007
     458.41                       46168.65                       46291                      11.5                  NEWBURGH                                                        NY                          12550                         1                      2                        7/1/2006                      6/1/2036                     5/30/2006                        2/1/2007
     137.95                       18696.67                       18800                         8                  CLARKS SUMMIT                                                   PA                          18411                         1                      2                        7/1/2006                      6/1/2036                     5/26/2006                        2/1/2007
     130.32                       13370.88                       13550                    11.125                  ALPHARETTA                                                      GA                          30022                         1                      2                        6/1/2006                      5/1/2021                     4/24/2006                        2/1/2007
     542.14                        60317.8                       60500                     10.25                  LAS VEGAS                                                       NV                          89118                         1                      2                        8/1/2006                      7/1/2036                      6/7/2006                        2/1/2007
     497.79                       44925.59                       45000                        13                  MASPETH                                                         NY                          11378                         1                      2                        8/1/2006                      7/1/2021                     6/13/2006                        2/1/2007
    2062.32                      236725.15                      237500                     9.875                  NEWTOWN                                                         CT                           6470                         1                      2                        8/1/2006                      7/1/2021                     6/23/2006                        2/1/2007
     405.22                       34696.42                       34780                     13.75                  LITTLE FALLS                                                    MN                          56345                         1                      2                        6/1/2006                      5/1/2036                     4/20/2006                        2/1/2007
     221.78                       22155.11                       24000                    10.625                  CHICAGO                                                         IL                          60626                         1                      2                        8/1/2006                      7/1/2036                     6/14/2006                        2/1/2007
     357.25                       38892.84                       44400                         9                  KINGSTON                                                        PA                          18704                         1                      2                        7/1/2006                      6/1/2036                     5/31/2006                        2/1/2007
     328.99                       27962.03                       28000                    13.875                  PASCO                                                           WA                          99301                         1                      2                        8/1/2006                      7/1/2036                     6/12/2006                        2/1/2007
     582.63                       55475.23                       55600                     12.25                  RIVER GROVE                                                     IL                          60171                         1                      2                        7/1/2006                      6/1/2036                     5/15/2006                        2/1/2007
     280.82                       31883.42                       32000                        10                  POOLESVILLE                                                     MD                          20837                         1                      2                        7/1/2006                      6/1/2021                     5/18/2006                        2/1/2007
     334.01                       41786.78                       41980                     8.875                  LITITZ                                                          PA                          17543                         1                      2                        7/1/2006                      6/1/2036                     5/18/2006                        2/1/2007
     400.72                       42333.46                       42500                    10.875                  WESTON                                                          FL                          33327                         1                      2                        6/1/2006                      5/1/2036                     4/24/2006                        2/1/2007
     774.22                       65994.27                       66450                     13.75                  CAPE CORAL                                                      FL                          33909                         1                      2                        8/1/2006                      7/1/2036                     6/15/2006                        2/1/2007
     372.47                       32750.15                       32800                    13.375                  OAKLAND                                                         MD                          21550                         1                      2                        8/1/2006                      7/1/2036                      6/8/2006                        2/1/2007
      686.3                       75483.54                       75800                    10.375                  TAMPA                                                           FL                          33606                         1                      2                        6/1/2006                      5/1/2036                     4/21/2006                        2/1/2007
      428.1                       46646.56                       46800                      10.5                  RIVERDALE                                                       MD                          20737                         1                      2                        7/1/2006                      6/1/2021                     5/17/2006                        2/1/2007
     493.17                        47404.6                       47500                    12.125                  PORTLAND                                                        OR                          97213                         1                      2                        8/1/2006                      7/1/2021                     6/22/2006                        2/1/2007
     315.51                          33695                       33800                     10.75                  TALLAHASSEE                                                     FL                          32308                         1                      2                        7/1/2006                      6/1/2036                      5/2/2006                        2/1/2007
    1123.85                      102304.58                      102500                    12.875                  WESTBURY                                                        NY                          11590                         1                      2                        9/1/2006                      8/1/2036                     7/10/2006                        2/1/2007
     550.26                       52872.44                       53000                    12.125                  CHICAGO                                                         IL                          60618                         2                      2                        7/1/2006                      6/1/2036                     5/12/2006                        2/1/2007
    1118.16                      120555.29                      121000                    10.625                  SILVER SPRING                                                   MD                          20902                         1                      2                        7/1/2006                      6/1/2021                     5/12/2006                        2/1/2007
     240.24                       20591.25                       20620                     13.75                  HOUSTON                                                         TX                          77009                         1                      2                        8/1/2006                      7/1/2036                     6/26/2006                        2/1/2007
      97.13                        9975.67                       10000                     11.25                  ROCHESTER                                                       NY                          14609                         2                      2                        8/1/2006                      7/1/2036                     6/20/2006                        2/1/2007
     209.72                        17971.1                       18000                     13.75                  BATON ROUGE                                                     LA                          70820                         2                      2                        7/1/2006                      6/1/2036                     5/17/2006                        2/1/2007
     209.72                        17971.1                       18000                     13.75                  BATON ROUGE                                                     LA                          70820                         2                      2                        7/1/2006                      6/1/2036                     5/17/2006                        2/1/2007
     744.74                       63830.71                       63920                     13.75                  POUGHKEEPSIE                                                    NY                          12601                         2                      2                        8/1/2006                      7/1/2036                     6/13/2006                        2/1/2007
     322.55                       30433.49                       30500                    12.375                  IDAHO FALLS                                                     ID                          83401                         1                      2                        7/1/2006                      6/1/2036                     5/11/2006                        2/1/2007
     380.69                       32356.04                       32400                    13.875                  VALDOSTA                                                        GA                          31601                         2                      2                        8/1/2006                      7/1/2036                     6/28/2006                        2/1/2007
      277.3                       23761.76                       23800                     13.75                  PHILADELPHIA                                                    PA                          19148                         1                      2                        7/1/2006                      6/1/2021                     5/25/2006                        2/1/2007
     271.99                       25437.89                       25485                      12.5                  CHICAGO                                                         IL                          60612                         1                      2                        8/1/2006                      7/1/2036                     6/21/2006                        2/1/2007
     420.55                       35374.94                       36000                      11.5                  FREDERICK                                                       MD                          21702                         1                      2                        7/1/2006                      6/1/2021                     5/25/2006                        2/1/2007
     316.95                       31321.42                       31400                     11.75                  ATLANTA                                                         GA                          30318                         1                      2                        7/1/2006                      6/1/2021                      5/9/2006                        2/1/2007
     760.92                       69264.46                       69400                    12.875                  ATLANTA                                                         GA                          30318                         1                      2                        7/1/2006                      6/1/2021                     5/26/2006                        2/1/2007
     458.01                        38869.8                       38980                    13.875                  BOISE                                                           ID                          83706                         1                      2                        7/1/2006                      6/1/2036                      5/9/2006                        2/1/2007
     795.64                       99598.79                      100000                     8.875                  PRESCOTT                                                        AZ                          86301                         1                      2                        8/1/2006                      7/1/2021                      6/2/2006                        2/1/2007
     142.66                       13965.89                       14000                    11.875                  RICHMOND                                                        VA                          23222                         2                      2                        7/1/2006                      6/1/2021                     5/24/2006                        2/1/2007
     519.12                       49759.24                       50000                    12.125                  RAYMOND                                                         NH                           3077                         1                      2                        7/1/2006                      6/1/2036                     5/26/2006                        2/1/2007
     763.74                       64911.74                       65000                    13.875                  VANCOUVER                                                       WA                          98664                         1                      2                        8/1/2006                      7/1/2021                     6/19/2006                        2/1/2007
     684.37                       67673.98                       67800                     11.75                  OTISVILLE                                                       NY                          10963                         1                      2                        8/1/2006                      7/1/2036                     6/26/2006                        2/1/2007
     213.88                       20558.02                       20600                    12.125                  ALBANY                                                          NY                          12209                         2                      2                        8/1/2006                      7/1/2036                     6/16/2006                        2/1/2007
     535.32                        60777.7                       61000                        10                  CLARKSBURG                                                      MD                          20871                         1                      2                        7/1/2006                      6/1/2021                     5/25/2006                        2/1/2007
     655.74                       77669.48                       77985                       9.5                  RICHMOND                                                        CA                          94803                         1                      2                        7/1/2006                      6/1/2036                     5/24/2006                        2/1/2007
     251.66                       21565.36                       21600                     13.75                  BATON ROUGE                                                     LA                          70820                         2                      2                        7/1/2006                      6/1/2036                     5/19/2006                        2/1/2007
     571.28                       70681.49                       71000                         9                  MILLTOWN                                                        NJ                           8850                         1                      2                        7/1/2006                      6/1/2036                     6/23/2006                        2/1/2007
     251.66                       21565.36                       21600                     13.75                  BATON ROUGE                                                     LA                          70820                         2                      2                        7/1/2006                      6/1/2036                     5/19/2006                        2/1/2007
     355.59                        32367.6                       32431                    12.875                  SAN ANTONIO                                                     TX                          78223                         1                      2                        7/1/2006                      6/1/2036                      5/3/2006                        2/1/2007
     457.89                       38908.74                       38970                    13.875                  SUFFOLK                                                         VA                          23434                         1                      2                        7/1/2006                      6/1/2036                     5/30/2006                        2/1/2007
     352.44                       39911.84                       40076                    10.025                  MIDLOTHIAN                                                      TX                          76065                         1                      2                        6/1/2006                      5/1/2036                     4/25/2006                        2/1/2007
     411.63                       44852.51                       45000                      10.5                  NORTH RIVERSIDE                                                 IL                          60546                         1                      2                        7/1/2006                      6/1/2036                     5/18/2006                        2/1/2007
     671.34                       76257.12                       76500                        10                  PEEKSKILL                                                       NY                          10566                         3                      2                        8/1/2006                      7/1/2021                     6/29/2006                        2/1/2007
     1009.4                       99761.67                      100000                     11.75                  POUGHKEEPSIE                                                    NY                          12603                         1                      2                        8/1/2006                      7/1/2036                     6/28/2006                        2/1/2007
     508.31                       42843.38                       42900                        14                  RIVIERA BEACH                                                   FL                          33404                         2                      2                        8/1/2006                      7/1/2036                     6/13/2006                        2/1/2007
     104.34                       10029.84                       10050                    12.125                  WARREN                                                          MI                          48089                         1                      2                        8/1/2006                      7/1/2036                     6/16/2006                        2/1/2007
     690.73                       69012.46                       69750                      11.5                  WARRENTON                                                       VA                          20186                         1                      2                        7/1/2006                      6/1/2021                     5/19/2006                        2/1/2007
      211.5                        17971.9                       18000                    13.875                  BARTONVILLE                                                     IL                          61607                         1                      2                        7/1/2006                      6/1/2036                     5/12/2006                        2/1/2007
     284.96                       31704.24                       31800                     10.25                  SPOKANE                                                         WA                          99203                         1                      2                        8/1/2006                      7/1/2036                      6/1/2006                        2/1/2007
     241.24                       22353.75                       22400                    12.625                  CHICAGO                                                         IL                          60643                         1                      2                        7/1/2006                      6/1/2036                      6/5/2006                        2/1/2007
     984.34                       91211.26                       91400                    12.625                  CHICAGO                                                         IL                          60618                         2                      2                        7/1/2006                      6/1/2036                      6/2/2006                        2/1/2007
     425.93                       36200.79                       36250                    13.875                  HARTFORD                                                        CT                           6112                         3                      2                        8/1/2006                      7/1/2036                      6/7/2006                        2/1/2007
     294.59                          25443                       25500                    13.625                  CHANTILLY                                                       VA                          20151                         1                      2                        7/1/2006                      6/1/2021                      6/5/2006                        2/1/2007
     771.88                       77001.33                       77200                    11.625                  OLD BRIDGE                                                      NJ                           8857                         1                      2                        7/1/2006                      6/1/2036                     5/26/2006                        2/1/2007
     226.84                       17038.56                       17250                     13.75                  ALTOONA                                                         PA                          16601                         1                      2                        8/1/2006                      7/1/2021                      6/8/2006                        2/1/2007
     228.54                       27070.09                       27180                       9.5                  STAUNTON                                                        VA                          24401                         1                      2                        7/1/2006                      6/1/2036                     5/31/2006                        2/1/2007
     219.65                        20541.9                       20580                      12.5                  LISLE                                                           IL                          60532                         1                      2                        8/1/2006                      7/1/2036                     6/27/2006                        2/1/2007
     219.65                        20541.9                       20580                      12.5                  LISLE                                                           IL                          60532                         1                      2                        8/1/2006                      7/1/2036                     6/14/2006                        2/1/2007
     199.41                       21737.76                       21800                      10.5                  DOVER                                                           PA                          17315                         1                      2                        8/1/2006                      7/1/2036                      6/6/2006                        2/1/2007
     385.98                       32798.75                       32850                    13.875                  AUSTELL                                                         GA                          30106                         2                      2                        7/1/2006                      6/1/2036                     5/31/2006                        2/1/2007
     185.06                       22896.85                       23000                         9                  ALBANY                                                          GA                          31707                         1                      2                        7/1/2006                      6/1/2036                     5/19/2006                        2/1/2007
     274.47                       32880.63                       33000                     9.375                  SALISBURY                                                       MD                          21804                         1                      2                        8/1/2006                      7/1/2036                      6/9/2006                        2/1/2007
     227.36                       28763.51                       28900                      8.75                  GAITHERSBURG                                                    MD                          20886                         1                      2                        7/1/2006                      6/1/2036                     5/30/2006                        2/1/2007
     822.33                       74388.61                       75000                    12.875                  BEL AIR                                                         MD                          21015                         1                      2                        8/1/2006                      7/1/2036                      6/9/2006                        2/1/2007
      96.11                       11507.01                       11555                     9.375                  RIVERVIEW                                                       FL                          33569                         1                      2                        7/1/2006                      6/1/2036                     5/31/2006                        2/1/2007
      116.3                       15165.19                       15850                         8                  FARMINGTON                                                      MI                          48335                         1                      2                        7/1/2006                      6/1/2021                     5/30/2006                        2/1/2007
     375.43                       35432.58                       35500                    12.375                  MINNETONKA                                                      MN                          55343                         1                      2                        8/1/2006                      7/1/2036                      6/6/2006                        2/1/2007
     301.09                        30907.8                       31000                     11.25                  CHOCTAW                                                         OK                          73020                         1                      2                        7/1/2006                      6/1/2036                     5/31/2006                        2/1/2007
     680.05                       65215.82                       65500                    12.125                  OREGON CITY                                                     OR                          97045                         1                      2                        8/1/2006                      7/1/2036                     6/22/2006                        2/1/2007
    1057.49                       89859.49                       90000                    13.875                  PORTLAND                                                        OR                          97211                         1                      2                        7/1/2006                      6/1/2036                     5/18/2006                        2/1/2007
     433.59                       39819.43                       39900                     12.75                  LYNWOOD                                                         IL                          60411                         1                      2                        7/1/2006                      6/1/2036                     5/23/2006                        2/1/2007
     172.05                       19142.18                       19200                     10.25                  MANCHESTER                                                      PA                          17345                         1                      2                        8/1/2006                      7/1/2036                      6/6/2006                        2/1/2007
     260.43                       11961.05                       25800                     11.75                  SEVIERVILLE                                                     TN                          37876                         1                      2                        8/1/2006                      7/1/2021                      6/1/2006                        2/1/2007
      348.9                       40049.04                       40180                     9.875                  BOISE                                                           ID                          83713                         1                      2                        8/1/2006                      7/1/2036                     6/21/2006                        2/1/2007
      372.2                       38603.42                       38700                    11.125                  BRISTOL                                                         CT                           6010                         2                      2                        8/1/2006                      7/1/2036                     6/16/2006                        2/1/2007
     724.32                       79765.41                       80000                    10.375                  BRONX                                                           NY                          10473                         1                      2                        8/1/2006                      7/1/2036                     6/14/2006                        2/1/2007
    1036.95                        88875.7                       89000                     13.75                  REDMOND                                                         OR                          97756                         1                      2                        8/1/2006                      7/1/2036                      6/9/2006                        2/1/2007
     370.62                       34027.28                       34105                     12.75                  LIVE OAK                                                        TX                          78233                         1                      2                        7/1/2006                      6/1/2021                     5/26/2006                        2/1/2007
     304.14                       37652.22                       37800                         9                  LIVERPOOL                                                       NY                          13090                         1                      2                        8/1/2006                      7/1/2021                     6/30/2006                        2/1/2007
      183.5                       15724.75                       15750                     13.75                  INDIANAPOLIS                                                    IN                          46254                         1                      2                        7/1/2006                      6/1/2036                     5/19/2006                        2/1/2007
        291                       36004.34                       36167                         9                  SPRING                                                          TX                          77379                         1                      2                        7/1/2006                      6/1/2036                     5/19/2006                        2/1/2007
      693.2                       69838.85                       70000                      11.5                  CHICAGO                                                         IL                          60634                         1                      2                        8/1/2006                      7/1/2036                      6/8/2006                        2/1/2007
     385.55                       35735.68                       35800                    12.625                  WAUKEGAN                                                        IL                          60085                         1                      2                        8/1/2006                      7/1/2036                     6/15/2006                        2/1/2007
     378.38                       44730.67                       45000                       9.5                  HAGERSTOWN                                                      MD                          21740                         1                      2                        8/1/2006                      7/1/2036                      6/8/2006                        2/1/2007
     368.88                       37795.76                       37980                     11.25                  BOISE                                                           ID                          83705                         1                      2                        7/1/2006                      6/1/2021                     5/11/2006                        2/1/2007
     300.09                       26154.47                       26199                      13.5                  SAN ANTONIO                                                     TX                          78254                         1                      2                        7/1/2006                      6/1/2036                     5/16/2006                        2/1/2007
     881.24                       74898.16                       75000                    13.875                  ORLANDO                                                         FL                          32819                         1                      2                        8/1/2006                      7/1/2036                     5/30/2006                        2/1/2007
     288.78                       31147.74                       31250                    10.625                  ROUND LAKE HEIGHTS                                              IL                          60073                         1                      2                        8/1/2006                      7/1/2036                     6/29/2006                        2/1/2007
     611.68                       52384.46                       52500                     13.75                  CHANDLER                                                        AZ                          85226                         1                      2                        7/1/2006                      6/1/2036                     5/24/2006                        2/1/2007
     436.06                       41902.17                       42000                    12.125                  LAS VEGAS                                                       NV                          89120                         1                      2                        7/1/2006                      6/1/2036                     5/26/2006                        2/1/2007
    1048.25                      102651.74                      102870                    11.875                  TACOMA                                                          WA                          98422                         1                      2                        8/1/2006                      7/1/2036                     5/30/2006                        2/1/2007
     943.42                       84314.26                       87600                    12.625                  CHICAGO                                                         IL                          60629                         3                      2                        8/1/2006                      7/1/2036                      6/8/2006                        2/1/2007
     212.79                       28584.01                       29000                         8                  ASHLAND CITY                                                    TN                          37015                         1                      2                        8/1/2006                      7/1/2036                     5/31/2006                        2/1/2007
      734.8                       74003.78                       74200                      11.5                  MANASSAS                                                        VA                          20111                         1                      2                        7/1/2006                      6/1/2021                     5/26/2006                        2/1/2007
     158.46                        13481.7                       13600                     13.75                  MOORESVILLE                                                     NC                          28115                         1                      2                        7/1/2006                      6/1/2021                     5/26/2006                        2/1/2007
     469.38                       46373.94                       46500                     11.75                  ROCKVILLE                                                       MD                          20853                         1                      2                        8/1/2006                      7/1/2021                      6/2/2006                        2/1/2007
    1651.14                      168966.65                      170000                     11.25                  DOYLESTOWN                                                      PA                          18901                         1                      2                        8/1/2006                      7/1/2021                     6/30/2006                        2/1/2007
     227.94                        19377.6                       19400                    13.875                  WOODSTOCK                                                       GA                          30188                         1                      2                        9/1/2006                      8/1/2036                     7/12/2006                        2/1/2007
     138.61                       11981.82                       11999                    13.625                  FORT WAYNE                                                      IN                          46805                         1                      2                        8/1/2006                      7/1/2036                      6/5/2006                        2/1/2007
     591.26                       55282.37                       55400                      12.5                  SILVER SPRING                                                   MD                          20906                         1                      2                        7/1/2006                      6/1/2036                     5/26/2006                        2/1/2007
     398.32                       33853.98                       33900                    13.875                  MARIETTA                                                        OH                          45750                         1                      2                        8/1/2006                      7/1/2036                     6/13/2006                        2/1/2007
     176.24                        14979.7                       15000                    13.875                  SOUTH BEND                                                      IN                          46616                         1                      2                        8/1/2006                      7/1/2036                     6/16/2006                        2/1/2007
     607.49                       52958.62                       53037                      13.5                  BOISE                                                           ID                          83709                         1                      2                        8/1/2006                      7/1/2036                     5/31/2006                        2/1/2007
      315.8                        32114.4                       32200                    11.375                  CHICAGO                                                         IL                          60653                         1                      2                        8/1/2006                      7/1/2036                      6/7/2006                        2/1/2007
     336.04                       37370.36                       37500                     10.25                  CANTON                                                          MA                           2021                         1                      2                        7/1/2006                      6/1/2021                      6/2/2006                        2/1/2007
     469.92                       46879.09                       47000                    11.625                  BETHESDA                                                        MD                          20814                         1                      2                        7/1/2006                      6/1/2036                      6/5/2006                        2/1/2007
     344.17                       33083.49                       33150                    12.125                  ALBANY                                                          NY                          12203                         3                      2                        8/1/2006                      7/1/2036                      6/9/2006                        2/1/2007
     258.04                       28416.42                       28500                    10.375                  DOWNINGTOWN                                                     PA                          19335                         1                      2                        8/1/2006                      7/1/2021                      6/9/2006                        2/1/2007
     401.67                       33855.28                       33900                        14                  PULLMAN                                                         WA                          99163                         2                      2                        8/1/2006                      7/1/2036                     6/22/2006                        2/1/2007
     462.46                       54806.15                       55000                       9.5                  CHICAGO                                                         IL                          60641                         3                      2                        8/1/2006                      7/1/2036                     6/14/2006                        2/1/2007
     373.95                        46783.7                       47000                     8.875                  HIGLEY                                                          AZ                          85236                         1                      2                        7/1/2006                      6/1/2021                     5/26/2006                        2/1/2007
     128.34                       15987.65                       16500                     8.625                  LYLES                                                           TN                          37098                         1                      2                        8/1/2006                      7/1/2036                     6/16/2006                        2/1/2007
     307.79                       28528.68                       28580                    12.625                  LISLE                                                           IL                          60532                         1                      2                        8/1/2006                      7/1/2036                     6/23/2006                        2/1/2007
     570.64                        55881.2                       56000                    11.875                  LAS VEGAS                                                       NV                          89131                         1                      2                        8/1/2006                      7/1/2036                      6/1/2006                        2/1/2007
     503.78                        43073.4                       43239                     13.75                  SAN ANTONIO                                                     TX                          78254                         1                      2                        7/1/2006                      6/1/2036                     5/26/2006                        2/1/2007
     298.26                       25556.97                       25600                     13.75                  COLUMBUS                                                        MS                          39705                         1                      2                        8/1/2006                      7/1/2036                     6/16/2006                        2/1/2007
     660.04                        56468.1                       56650                     13.75                  WINTER SPRINGS                                                  FL                          32708                         1                      2                        7/1/2006                      6/1/2021                     5/16/2006                        2/1/2007
      343.2                       38523.05                       38700                    10.125                  CHICOPEE                                                        MA                           1013                         2                      2                        8/1/2006                      7/1/2036                      6/8/2006                        2/1/2007
        353                       33899.55                       34000                    12.125                  CHARLOTTE                                                       NC                          28269                         1                      2                        7/1/2006                      6/1/2021                     5/24/2006                        2/1/2007
     499.04                       59750.93                       60000                     9.375                  ARLINGTON HEIGHTS                                               IL                          60004                         1                      2                        7/1/2006                      6/1/2036                     5/30/2006                        2/1/2007
     514.31                       49893.22                       50000                        12                  WASHOUGAL                                                       WA                          98671                         1                      2                        8/1/2006                      7/1/2036                     6/12/2006                        2/1/2007
      173.8                       18117.88                       18250                        11                  ROCHESTER                                                       NY                          14607                         1                      2                        8/1/2006                      7/1/2036                     6/30/2006                        2/1/2007
      262.9                       30497.61                       30600                      9.75                  JOLIET                                                          IL                          60431                         1                      2                        8/1/2006                      7/1/2036                      6/9/2006                        2/1/2007
     168.68                       19361.66                       19425                     9.875                  BOUNTIFUL                                                       UT                          84010                         1                      2                        8/1/2006                      7/1/2021                      6/5/2006                        2/1/2007
     871.46                       86972.06                       88000                      11.5                  GLENDALE                                                        AZ                          85305                         1                      2                        8/1/2006                      7/1/2036                      6/6/2006                        2/1/2007
      676.3                       66833.86                       67000                     11.75                  CLARKSBURG                                                      MD                          20871                         1                      2                        7/1/2006                      6/1/2021                     5/24/2006                        2/1/2007
     287.87                       24466.74                       24500                    13.875                  TORRINGTON                                                      CT                           6790                         2                      2                        8/1/2006                      7/1/2036                      6/5/2006                        2/1/2007
     275.29                        32624.6                       32740                       9.5                  CALDWELL                                                        ID                          83605                         1                      2                        8/1/2006                      7/1/2036                      6/7/2006                        2/1/2007
     438.17                       42908.78                       43000                    11.875                  ALEXANDRIA                                                      VA                          22304                         1                      2                        8/1/2006                      7/1/2036                      6/7/2006                        2/1/2007
     230.59                       19598.36                       19625                    13.875                  LONGVIEW                                                        WA                          98632                         1                      2                        8/1/2006                      7/1/2036                      6/2/2006                        2/1/2007
      260.5                       29887.82                       30000                     9.875                  SILVER SPRING                                                   MD                          20902                         1                      2                        7/1/2006                      6/1/2036                     5/26/2006                        2/1/2007
     675.61                       57421.97                       57500                    13.875                  GOFFSTOWN                                                       NH                           3045                         1                      2                        8/1/2006                      7/1/2036                     6/22/2006                        2/1/2007
     327.37                       37558.95                       37700                     9.875                  BRADENTON                                                       FL                          34205                         1                      2                        7/1/2006                      6/1/2036                      6/1/2006                        2/1/2007
     645.68                       67496.52                       67800                        11                  BURTONSVILLE                                                    MD                          20866                         1                      2                        7/1/2006                      6/1/2036                      6/1/2006                        2/1/2007
     825.82                       73881.05                       74000                    13.125                  SACRAMENTO                                                      CA                          95842                         1                      2                        8/1/2006                      7/1/2021                      6/8/2006                        2/1/2007
     512.25                        49697.2                       49800                        12                  TACOMA                                                          WA                          98405                         1                      2                        8/1/2006                      7/1/2036                      6/5/2006                        2/1/2007
     485.85                       41627.45                       41700                     13.75                  MONETA                                                          VA                          24121                         1                      2                        8/1/2006                      7/1/2021                     6/13/2006                        2/1/2007
     643.88                       69483.27                       69677                    10.625                  SARASOTA                                                        FL                          34240                         1                      2                        8/1/2006                      7/1/2036                     6/30/2006                        2/1/2007
     174.76                       14975.97                       15000                     13.75                  INDIANAPOLIS                                                    IN                          46241                         1                      2                        7/1/2006                      6/1/2036                      6/1/2006                        2/1/2007
     590.12                       55678.21                       55800                    12.375                  ADDISON                                                         IL                          60101                         1                      2                        7/1/2006                      6/1/2036                     5/31/2006                        2/1/2007
     376.62                       36202.18                       36275                    12.125                  MARICOPA                                                        AZ                          85239                         1                      2                        8/1/2006                      7/1/2021                      6/1/2006                        2/1/2007
     144.47                       12281.19                       12400                     13.75                  MOORESVILLE                                                     NC                          28115                         1                      2                        8/1/2006                      7/1/2021                     6/15/2006                        2/1/2007
     272.54                       26941.14                       27000                     11.75                  MARIETTA                                                        GA                          30067                         1                      2                        8/1/2006                      7/1/2036                      6/9/2006                        2/1/2007
     505.56                       64564.55                       65000                     8.625                  SOUTH OGDEN                                                     UT                          84403                         1                      2                        8/1/2006                      7/1/2036                      6/7/2006                        2/1/2007
     317.24                       26940.72                       27000                    13.875                  BOISE                                                           ID                          83705                         1                      2                        7/1/2006                      6/1/2036                      6/2/2006                        2/1/2007
     174.78                       14976.91                       15001                     13.75                  SAN ANTONIO                                                     TX                          78245                         2                      2                        7/1/2006                      6/1/2036                     5/26/2006                        2/1/2007
     293.61                       25159.53                       25200                     13.75                  BATON ROUGE                                                     LA                          70820                         4                      2                        7/1/2006                      6/1/2036                     5/25/2006                        2/1/2007
     306.47                       34093.71                       34200                     10.25                  PORTLAND                                                        OR                          97206                         1                      2                        8/1/2006                      7/1/2036                     6/13/2006                        2/1/2007
     537.45                       56730.28                       57000                    10.875                  LUSBY                                                           MD                          20657                         1                      2                        8/1/2006                      7/1/2036                      6/2/2006                        2/1/2007
     161.89                       16949.96                       17000                        11                  TUSCUMBIA                                                       AL                          35674                         1                      2                        7/1/2006                      6/1/2036                      6/5/2006                        2/1/2007
     938.04                       88529.47                       88698                    12.375                  DELANO                                                          CA                          93215                         1                      2                        8/1/2006                      7/1/2021                     6/12/2006                        2/1/2007
     608.05                       51679.77                       51750                    13.875                  PHOENIX                                                         AZ                          85003                         1                      2                        8/1/2006                      7/1/2036                      6/6/2006                        2/1/2007
     329.65                        29723.6                       29800                        13                  WOODLYNNE                                                       NJ                           8107                         2                      2                        7/1/2006                      6/1/2036                     5/31/2006                        2/1/2007
     442.39                       57284.75                       57534                       8.5                  TOOELE                                                          UT                          84074                         1                      2                        8/1/2006                      7/1/2021                      6/7/2006                        2/1/2007
     254.08                       18967.49                       19200                    13.875                  PHILADELPHIA                                                    PA                          19148                         1                      2                        8/1/2006                      7/1/2021                     6/13/2006                        2/1/2007
      263.1                       31179.69                       31290                       9.5                  NAUGATUCK                                                       CT                           6770                         1                      2                        8/1/2006                      7/1/2021                     6/30/2006                        2/1/2007
     201.88                       19956.39                       20000                     11.75                  JACKSONVILLE                                                    FL                          32209                         1                      2                        8/1/2006                      7/1/2036                      6/5/2006                        2/1/2007
     605.65                        59832.1                       60000                     11.75                  SAN BERNARDINO                                                  CA                          92411                         1                      2                        8/1/2006                      7/1/2036                     6/19/2006                        2/1/2007
     908.79                       77891.04                       78000                     13.75                  STRATFORD                                                       CT                           6614                         1                      2                        8/1/2006                      7/1/2036                     6/30/2006                        2/1/2007
     343.82                          35314                       35400                     11.25                  LAS VEGAS                                                       NV                          89178                         1                      2                        8/1/2006                      7/1/2036                      6/7/2006                        2/1/2007
    1152.64                      107770.65                      108000                      12.5                  OXNARD                                                          CA                          93033                         1                      2                        7/1/2006                      6/1/2021                     5/23/2006                        2/1/2007
     637.62                       68808.19                       69000                    10.625                  BRONX                                                           NY                          10499                         2                      2                        8/1/2006                      7/1/2021                     6/27/2006                        2/1/2007
        536                       52928.21                       53100                     11.75                  ACWORTH                                                         GA                          30101                         1                      2                        8/1/2006                      7/1/2021                      6/1/2006                        2/1/2007
     239.83                       23053.66                       23100                    12.125                  CARTERSVILLE                                                    GA                          30121                         2                      2                        8/1/2006                      7/1/2021                      6/9/2006                        2/1/2007
     262.24                       26712.08                       27000                     11.25                  KINGSTON                                                        PA                          18704                         2                      2                        9/1/2006                      8/1/2036                      7/6/2006                        2/1/2007
     563.99                       47934.85                       48000                    13.875                  LAWRENCEVILLE                                                   GA                          30049                         1                      2                        8/1/2006                      7/1/2036                      7/5/2006                        2/1/2007
     113.94                       10282.96                       10300                        13                  ROCHESTER                                                       NY                          14606                         2                      2                        8/1/2006                      7/1/2036                     6/27/2006                        2/1/2007
    1087.34                      109547.19                      109800                      11.5                  ALISO VIEJO                                                     CA                          92656                         1                      2                        8/1/2006                      7/1/2036                      6/1/2006                        2/1/2007
    1586.23                      134074.14                      135000                    13.875                  COCOA                                                           FL                          32926                         1                      2                        8/1/2006                      7/1/2036                      6/9/2006                        2/1/2007
     450.08                       39917.53                       39980                     13.25                  SANDY                                                           UT                          84070                         1                      2                        8/1/2006                      7/1/2021                      6/7/2006                        2/1/2007
     713.65                        70508.4                       70700                     11.75                  ORANGE BEACH                                                    AL                          36561                         1                      2                        8/1/2006                      7/1/2036                      6/9/2006                        2/1/2007
     764.39                       94628.49                       95000                         9                  BIRMINGHAM                                                      AL                          35242                         1                      2                        8/1/2006                      7/1/2021                     6/15/2006                        2/1/2007
    1204.36                      115767.11                      116000                    12.125                  FREDERICK                                                       MD                          21703                         1                      2                        8/1/2006                      7/1/2021                      6/8/2006                        2/1/2007
     982.15                      110407.55                      110750                    10.125                  CHESTERFIELD                                                    MO                          63005                         1                      2                        8/1/2006                      7/1/2036                     6/16/2006                        2/1/2007
     140.94                       14749.32                       14800                        11                  RIVER OAKS                                                      TX                          76114                         1                      2                        7/1/2006                      6/1/2036                     5/27/2006                        2/1/2007
     205.36                       21800.45                       22000                     10.75                  BREMEN                                                          GA                          30110                         1                      2                        8/1/2006                      7/1/2036                     6/13/2006                        2/1/2007
     429.95                        47835.5                       47980                     10.25                  VERO BEACH                                                      FL                          32967                         1                      2                        8/1/2006                      7/1/2036                     6/26/2006                        2/1/2007
     614.64                       59081.13                       59200                    12.125                  DARIEN                                                          IL                          60561                         1                      2                        8/1/2006                      7/1/2036                     6/22/2006                        2/1/2007
     549.91                       54876.59                       55000                    11.625                  LOCUST GROVE                                                    VA                          22508                         1                      2                        8/1/2006                      7/1/2036                     6/23/2006                        2/1/2007
     260.66                       30906.71                       31000                       9.5                  BEAUMONT                                                        CA                          92223                         1                      2                        9/1/2006                      8/1/2036                      7/1/2006                        2/1/2007
      485.5                       45404.86                       45490                      12.5                  WATERBURY                                                       CT                           6704                         3                      2                        8/1/2006                      7/1/2021                      6/9/2006                        2/1/2007
     570.83                       54869.24                       54980                    12.125                  CENTREVILLE                                                     VA                          20120                         1                      2                        8/1/2006                      7/1/2036                      6/8/2006                        2/1/2007
     280.32                       26917.33                       27000                    12.125                  COUNTRY CLUB HILLS                                              IL                          60478                         1                      2                        8/1/2006                      7/1/2036                     6/19/2006                        2/1/2007
     558.58                       53650.09                       53800                    12.125                  RHODODENDRON                                                    OR                          97049                         1                      2                        8/1/2006                      7/1/2021                      6/6/2006                        2/1/2007
      230.5                       20648.42                       21000                    10.375                  LANCASTER                                                       PA                          17603                         1                      2                        8/1/2006                      7/1/2021                     6/16/2006                        2/1/2007
     336.39                       32330.56                       32400                    12.125                  BALTIMORE                                                       MD                          21239                         1                      2                        8/1/2006                      7/1/2036                     6/22/2006                        2/1/2007
     391.47                       33553.13                       33600                     13.75                  AUGUSTA                                                         GA                          30907                         1                      2                        8/1/2006                      7/1/2036                     6/23/2006                        2/1/2007
     653.34                       83610.37                       84000                     8.625                  RANDALLSTOWN                                                    MD                          21133                         1                      2                        8/1/2006                      7/1/2036                     6/19/2006                        2/1/2007
     552.66                        56216.7                       56350                    11.375                  WOODSTOCK                                                       GA                          30188                         3                      2                        8/1/2006                      7/1/2021                     6/22/2006                        2/1/2007
    1174.28                      106917.91                      107100                    12.875                  PHOENIX                                                         AZ                          85087                         1                      2                        8/1/2006                      7/1/2021                     6/15/2006                        2/1/2007
     209.97                       20952.92                       21000                    11.625                  PORTLAND                                                        OR                          97230                         1                      2                        8/1/2006                      7/1/2036                     6/20/2006                        2/1/2007
     289.61                       35730.92                       36400                     8.875                  SALT LAKE CITY                                                  UT                          84103                         1                      2                        8/1/2006                      7/1/2036                     6/15/2006                        2/1/2007
      496.9                       52561.11                       52700                    10.875                  ARLINGTON                                                       WA                          98223                         1                      2                        8/1/2006                      7/1/2021                     6/20/2006                        2/1/2007
     419.56                       50810.62                       51000                      9.25                  CENTRAL POINT                                                   OR                          97502                         1                      2                        8/1/2006                      7/1/2036                      6/9/2006                        2/1/2007
     716.74                       60917.18                       61000                    13.875                  BOISE                                                           ID                          83706                         2                      2                        8/1/2006                      7/1/2021                      6/2/2006                        2/1/2007
     386.58                       40891.98                       41000                    10.875                  BEAVERTON                                                       OR                          97005                         1                      2                        8/1/2006                      7/1/2021                     6/26/2006                        2/1/2007
     333.67                       42718.84                       42900                     8.625                  COEUR D ALENE                                                   ID                          83815                         1                      2                        8/1/2006                      7/1/2021                      6/6/2006                        2/1/2007
     125.08                       16762.73                       17890                       7.5                  ZIONSVILLE                                                      IN                          46077                         1                      2                        8/1/2006                      7/1/2036                     6/13/2006                        2/1/2007
     302.41                       29243.37                       29400                        12                  ORLAND PARK                                                     IL                          60462                         1                      2                        8/1/2006                      7/1/2036                     6/20/2006                        2/1/2007
     244.76                       27514.67                       27600                    10.125                  PAYSON                                                          UT                          84651                         1                      2                        8/1/2006                      7/1/2036                      6/5/2006                        2/1/2007
     730.22                       70153.13                       70332                    12.125                  DELAND                                                          FL                          32724                         1                      2                        8/1/2006                      7/1/2036                     6/23/2006                        2/1/2007
     269.77                       30325.94                       30420                    10.125                  TWIN FALLS                                                      ID                          83301                         1                      2                        8/1/2006                      7/1/2036                     6/12/2006                        2/1/2007
     361.66                       30698.97                       30780                    13.875                  SALT LAKE CITY                                                  UT                          84115                         1                      2                        8/1/2006                      7/1/2036                      6/9/2006                        2/1/2007
     378.27                       34421.41                       34500                    12.875                  LONDON                                                          OH                          43140                         2                      2                        8/1/2006                      7/1/2036                     6/30/2006                        2/1/2007
     616.87                        52428.7                       52500                    13.875                  HARVEY                                                          IL                          60426                         2                      2                        8/1/2006                      7/1/2036                     6/29/2006                        2/1/2007
     561.87                       58818.96                       59000                        11                  FREDERICK                                                       MD                          21073                         1                      2                        8/1/2006                      7/1/2036                     6/16/2006                        2/1/2007
    1233.73                      104785.52                      105000                    13.875                  PHOENIX                                                         AZ                          85022                         1                      2                        8/1/2006                      7/1/2021                     6/22/2006                        2/1/2007
      423.6                       40718.09                       40800                    12.125                  SPRING HILL                                                     FL                          34604                         1                      2                        8/1/2006                      7/1/2036                     6/21/2006                        2/1/2007
     588.68                       56586.19                       56700                    12.125                  HALSEY                                                          OR                          97348                         1                      2                        8/1/2006                      7/1/2021                     6/21/2006                        2/1/2007
      241.6                       23223.27                       23270                    12.125                  CLEARFIELD                                                      UT                          84015                         1                      2                        8/1/2006                      7/1/2036                      6/9/2006                        2/1/2007
      211.5                       17975.56                       18000                    13.875                  ATLANTIC CITY                                                   NJ                           8401                         1                      2                        8/1/2006                      7/1/2036                     6/10/2006                        2/1/2007
      238.8                        22953.8                       23000                    12.125                  HAMPTON                                                         VA                          23669                         1                      2                        8/1/2006                      7/1/2036                     6/16/2006                        2/1/2007
     323.99                       40556.59                       40720                     8.875                  WASHINGTON                                                      UT                          84780                         1                      2                        8/1/2006                      7/1/2021                     6/28/2006                        2/1/2007
      596.6                       57880.26                       58000                        12                  KENT                                                            WA                          98030                         1                      2                        8/1/2006                      7/1/2036                     6/28/2006                        2/1/2007
     298.99                       34683.52                       34800                      9.75                  TAMPA                                                           FL                          33606                         1                      2                        8/1/2006                      7/1/2036                     6/26/2006                        2/1/2007
     304.74                       31917.92                       32000                        11                  TAMPA                                                           FL                          33604                         1                      2                        8/1/2006                      7/1/2036                     6/15/2006                        2/1/2007
     490.19                       49386.05                       49500                      11.5                  BETHLEHEM                                                       PA                          18018                         3                      2                        8/1/2006                      7/1/2036                     6/16/2006                        2/1/2007
      490.3                       51862.97                       52000                    10.875                  PHOENIX                                                         AZ                          85042                         1                      2                        8/1/2006                      7/1/2021                     6/23/2006                        2/1/2007
     517.15                       55250.01                       55400                     10.75                  MONTGOMERY VILLAGE                                              MD                          20886                         1                      2                        8/1/2006                      7/1/2036                     6/14/2006                        2/1/2007
     846.72                       89475.84                       89800                    10.875                  ROCKVILLE                                                       MD                          20853                         1                      2                        8/1/2006                      7/1/2021                     6/23/2006                        2/1/2007
      339.2                       35832.71                       35975                    10.875                  TEMPE                                                           AZ                          85281                         1                      2                        8/1/2006                      7/1/2021                     6/26/2006                        2/1/2007
     161.54                       14971.65                       15000                    12.625                  JACKSONVILLE                                                    FL                          32209                         1                      2                        8/1/2006                      7/1/2036                     6/19/2006                        2/1/2007
     386.22                       37125.35                       37200                    12.125                  AURORA                                                          CO                          80013                         1                      2                        8/1/2006                      7/1/2021                     6/23/2006                        2/1/2007
    1013.89                      117563.12                      118010                      9.75                  HERRIMAN                                                        UT                          84065                         1                      2                        8/1/2006                      7/1/2021                     6/13/2006                        2/1/2007
     492.19                       47736.56                       47850                        12                  DURANGO                                                         CO                          81303                         1                      2                        7/1/2006                      6/1/2021                      6/9/2006                        2/1/2007
     543.59                       62395.92                       62600                     9.875                  WINTER GARDEN                                                   FL                          34787                         1                      2                        8/1/2006                      7/1/2036                     6/21/2006                        2/1/2007
     337.77                       40028.38                       40170                       9.5                  SYRACUSE                                                        NY                          13203                         1                      2                        8/1/2006                      7/1/2036                     6/30/2006                        2/1/2007
     474.69                       40320.61                       40400                    13.875                  MINNEAPOLIS                                                     MN                          55406                         1                      2                        8/1/2006                      7/1/2036                     6/21/2006                        2/1/2007
      619.3                       68199.37                       68400                    10.375                  OLNEY                                                           MD                          20832                         1                      2                        8/1/2006                      7/1/2021                     6/16/2006                        2/1/2007
     390.09                       33154.96                       33200                    13.875                  NAMPA                                                           ID                          83686                         1                      2                        8/1/2006                      7/1/2021                     6/21/2006                        2/1/2007
     458.87                       53775.45                       53985                     9.625                  MIDVALE                                                         UT                          84047                         4                      2                        8/1/2006                      7/1/2021                     6/28/2006                        2/1/2007
     757.71                       72833.47                       72980                    12.125                  CHICAGO                                                         IL                          60634                         1                      2                        8/1/2006                      7/1/2036                     6/16/2006                        2/1/2007
    1233.38                      104848.56                      104970                    13.875                  HANOVER                                                         MN                          55341                         1                      2                        9/1/2006                      8/1/2036                     7/10/2006                        2/1/2007
     719.89                          71777                       72000                    11.625                  JAMAICA                                                         NY                          11434                         1                      2                        7/1/2006                      6/1/2036                     5/31/2006                        2/1/2007
     707.33                       67368.15                       67500                     12.25                  YUMA                                                            AZ                          85367                         1                      2                        8/1/2006                      7/1/2021                     6/22/2006                        2/1/2007
     186.52                       17765.28                       17800                     12.25                  HARVEST                                                         AL                          35749                         1                      2                        8/1/2006                      7/1/2036                     6/22/2006                        2/1/2007
    4646.04                      412679.59                      420000                        13                  GLENVIEW                                                        IL                          60025                         1                      2                        8/1/2006                      7/1/2036                     6/21/2006                        2/1/2007
     972.55                      111634.91                      112000                     9.875                  RANCHO MURIETA                                                  CA                          95683                         1                      2                        8/1/2006                      7/1/2021                      6/2/2006                        2/1/2007
     449.15                       46583.39                       46700                    11.125                  SILVERTON                                                       OR                          97381                         1                      2                        8/1/2006                      7/1/2036                     6/23/2006                        2/1/2007
     323.69                       36387.13                       36500                    10.125                  TUCSON                                                          AZ                          85743                         1                      2                        8/1/2006                      7/1/2021                      6/6/2006                        2/1/2007
    1052.31                      110216.55                      110500                        11                  LILBURN                                                         GA                          30047                         1                      2                        8/1/2006                      7/1/2036                     6/23/2006                        2/1/2007
      302.7                       35867.51                       36000                       9.5                  CHICAGO                                                         IL                          60634                         1                      2                        8/1/2006                      7/1/2036                     6/13/2006                        2/1/2007
     233.03                       23703.79                       23760                    11.375                  PLEASANT GROVE                                                  UT                          84062                         1                      2                        8/1/2006                      7/1/2021                     6/27/2006                        2/1/2007
     471.52                       53601.73                       54300                     9.875                  BROOKLYN                                                        NY                          11232                         2                      2                        7/1/2006                      6/1/2036                     5/31/2006                        2/1/2007
     353.16                       41851.91                       42000                       9.5                  JAMAICA                                                         NY                          11436                         2                      2                        8/1/2006                      7/1/2036                      6/2/2006                        2/1/2007
     373.39                        42695.5                       43000                     9.875                  MERIDIAN                                                        ID                          83642                         1                      2                        8/1/2006                      7/1/2021                     6/15/2006                        2/1/2007
     224.57                        26916.6                       27000                     9.375                  POSEN                                                           IL                          60469                         1                      2                        9/1/2006                      8/1/2036                      7/6/2006                        2/1/2007
     758.32                       63915.51                       64000                        14                  OAKLAND PARK                                                    FL                          33334                         1                      2                        8/1/2006                      7/1/2036                     6/21/2006                        2/1/2007
     397.66                       33517.76                       33562                        14                  NAMPA                                                           ID                          83686                         1                      2                        8/1/2006                      7/1/2021                     6/23/2006                        2/1/2007
     392.06                       41886.32                       42000                     10.75                  GAITHERSBURG                                                    MD                          20886                         1                      2                        8/1/2006                      7/1/2021                     6/15/2006                        2/1/2007
     224.37                       25221.74                       25300                    10.125                  HELPER                                                          UT                          84526                         1                      2                        8/1/2006                      7/1/2036                     6/23/2006                        2/1/2007
    1007.39                       99582.41                       99800                     11.75                  CEDAR HILLS                                                     UT                          84062                         1                      2                        8/1/2006                      7/1/2036                      6/9/2006                        2/1/2007
     192.14                       22575.75                       22850                       9.5                  EVERETT                                                         WA                          98208                         1                      2                        8/1/2006                      7/1/2021                     6/20/2006                        2/1/2007
     196.12                       20644.28                       20800                    10.875                  LAKELAND                                                        FL                          33810                         1                      2                        8/1/2006                      7/1/2021                     6/30/2006                        2/1/2007
     193.69                       16462.67                       16485                    13.875                  INDIANAPOLIS                                                    IN                          46231                         1                      2                        8/1/2006                      7/1/2036                      6/9/2006                        2/1/2007
    1158.15                      116680.71                      116950                      11.5                  TRIANGLE                                                        VA                          22172                         1                      2                        8/1/2006                      7/1/2021                     6/30/2006                        2/1/2007
     419.21                       35870.19                       35980                     13.75                  BETHLEHEM                                                       PA                          18018                         2                      2                        8/1/2006                      7/1/2036                     6/30/2006                        2/1/2007
     510.76                       43383.64                       43470                    13.875                  NORTH CHICAGO                                                   IL                          60064                         1                      2                        8/1/2006                      7/1/2036                     6/28/2006                        2/1/2007
     525.21                       44611.22                       44700                    13.875                  ZION                                                            IL                          60099                         1                      2                        8/1/2006                      7/1/2036                     6/28/2006                        2/1/2007
     521.69                        44311.8                       44400                    13.875                  ZION                                                            IL                          60099                         1                      2                        8/1/2006                      7/1/2036                     6/28/2006                        2/1/2007
     507.59                       43114.17                       43200                    13.875                  ZION                                                            IL                          60099                         1                      2                        8/1/2006                      7/1/2036                     6/28/2006                        2/1/2007
    1080.99                       91875.06                       92000                    13.875                  SILVER SPRING                                                   MD                          20902                         1                      2                        8/1/2006                      7/1/2036                     6/16/2006                        2/1/2007
     134.25                       19113.15                       19200                       7.5                  KAYSVILLE                                                       UT                          84037                         1                      2                        9/1/2006                      8/1/2021                      7/7/2006                        2/1/2007
     844.33                       74882.75                       75000                     13.25                  SILVER SPRING                                                   MD                          20906                         1                      2                        8/1/2006                      7/1/2021                     6/27/2006                        2/1/2007
     321.85                       30937.79                       31000                    12.125                  PLANO                                                           TX                          75023                         1                      2                        8/1/2006                      7/1/2036                     6/16/2006                        2/1/2007
     732.66                       99441.28                       99850                         8                  MARIETTA                                                        GA                          30068                         1                      2                        9/1/2006                      8/1/2036                      7/6/2006                        2/1/2007
     277.96                       36831.47                       37000                      8.25                  MAPLE GROVE                                                     MN                          55369                         1                      2                        8/1/2006                      7/1/2036                     6/30/2006                        2/1/2007
     323.93                       31137.35                       31200                    12.125                  PLANO                                                           TX                          75023                         1                      2                        8/1/2006                      7/1/2036                     6/16/2006                        2/1/2007
     386.79                       45837.84                       46000                       9.5                  VANCOUVER                                                       WA                          98684                         1                      2                        8/1/2006                      7/1/2036                     6/20/2006                        2/1/2007
      336.5                       33901.77                       33980                      11.5                  GWYNN OAK                                                       MD                          21207                         1                      2                        8/1/2006                      7/1/2021                     6/22/2006                        2/1/2007
     169.31                       20012.92                       22020                       8.5                  MANHEIM                                                         PA                          17545                         1                      2                        9/1/2006                      8/1/2021                      7/5/2006                        2/1/2007
      796.4                       75851.54                       76000                     12.25                  COLLEGE PARK                                                    MD                          20740                         1                      2                        8/1/2006                      7/1/2036                     6/26/2006                        2/1/2007
      226.2                       33830.34                       34000                         7                  PENNINGTON                                                      NJ                           8534                         1                      2                        9/1/2006                      8/1/2036                     7/17/2006                        2/1/2007
     217.19                       19934.34                       24750                        10                  LAWRENCEVILLE                                                   GA                          30044                         2                      2                        8/1/2006                      7/1/2036                     6/28/2006                        2/1/2007
     603.97                       67197.03                       67400                     10.25                  BAKERSFIELD                                                     CA                          93312                         1                      2                        8/1/2006                      7/1/2036                     6/19/2006                        2/1/2007
     486.63                       49981.23                       50103                     11.25                  RUSKIN                                                          FL                          33570                         1                      2                        8/1/2006                      7/1/2036                     6/28/2006                        2/1/2007
     213.76                       22827.18                       22900                     10.75                  GRAND RAPIDS                                                    MI                          49507                         1                      2                        8/1/2006                      7/1/2021                     6/29/2006                        2/1/2007
     664.48                       63803.33                       64000                    12.125                  VERNAL                                                          UT                          84078                         1                      2                        8/1/2006                      7/1/2036                     6/13/2006                        2/1/2007
     317.34                       40627.69                       40800                     8.625                  ENGLEWOOD                                                       CO                          80112                         1                      2                        8/1/2006                      7/1/2036                     6/15/2006                        2/1/2007
     197.44                       23910.87                       24000                      9.25                  SILVER SPRING                                                   MD                          20902                         1                      2                        8/1/2006                      7/1/2036                     6/13/2006                        2/1/2007
     419.58                       43095.03                       43200                     11.25                  CAPE CORAL                                                      FL                          33993                         1                      2                        8/1/2006                      7/1/2036                     6/20/2006                        2/1/2007
     230.39                        27303.4                       27400                       9.5                  LEHIGH ACRES                                                    FL                          33971                         1                      2                        8/1/2006                      7/1/2036                     6/20/2006                        2/1/2007
     499.92                       49368.82                       50000                    11.625                  EDEN PRAIRIE                                                    MN                          55346                         1                      2                        8/1/2006                      7/1/2021                     6/29/2006                        2/1/2007
     231.23                       27376.85                       27500                       9.5                  WEST VALLEY CITY                                                UT                          84120                         1                      2                        8/1/2006                      7/1/2036                     6/20/2006                        2/1/2007
     419.28                       42648.84                       42750                    11.375                  OREGON CITY                                                     OR                          97045                         1                      2                        8/1/2006                      7/1/2021                     6/19/2006                        2/1/2007
     927.62                      104276.49                      104600                    10.125                  CANOGA PARK                                                     CA                          91306                         1                      2                        8/1/2006                      7/1/2036                     6/14/2006                        2/1/2007
      430.1                       36252.16                       36300                        14                  RIVERDALE                                                       GA                          30296                         1                      2                        8/1/2006                      7/1/2021                     6/22/2006                        2/1/2007
     618.25                       58884.81                       59000                     12.25                  THORNTON                                                        CO                          80602                         1                      2                        8/1/2006                      7/1/2021                     6/19/2006                        2/1/2007
     216.34                       24887.92                       25180                      9.75                  HENDERSONVILLE                                                  TN                          37075                         1                      2                        8/1/2006                      7/1/2021                     6/22/2006                        2/1/2007
     218.51                       23742.58                       24900                        10                  LAWRENCEVILLE                                                   GA                          30044                         2                      2                        8/1/2006                      7/1/2036                     6/27/2006                        2/1/2007
     367.53                       35328.99                       35400                    12.125                  LITHONIA                                                        GA                          30058                         1                      2                        8/1/2006                      7/1/2036                     6/30/2006                        2/1/2007
     1361.4                      137156.45                      137475                      11.5                  ROCKVILLE                                                       MD                          20850                         1                      2                        8/1/2006                      7/1/2036                     6/15/2006                        2/1/2007
     500.29                       68661.03                       69000                     7.875                  MT. PROSPECT                                                    IL                          60056                         1                      2                        8/1/2006                      7/1/2036                     6/23/2006                        2/1/2007
     412.43                       41157.62                       41250                    11.625                  WINFIELD                                                        AL                          35594                         1                      2                        8/1/2006                      7/1/2036                      6/9/2006                        2/1/2007
     432.21                       47092.52                       47250                      10.5                  TALLAHASSEE                                                     FL                          32317                         1                      2                        8/1/2006                      7/1/2036                     6/15/2006                        2/1/2007
     431.76                       47045.97                       47200                      10.5                  LAURYS STATION                                                  PA                          18059                         1                      2                        8/1/2006                      7/1/2021                     6/16/2006                        2/1/2007
     258.82                       32751.48                       32900                      8.75                  CORDOVA                                                         TN                          38016                         1                      2                        8/1/2006                      7/1/2036                     6/27/2006                        2/1/2007
      149.5                       14371.14                       14400                    12.125                  OXFORD                                                          MS                          38655                         1                      2                        8/1/2006                      7/1/2036                     6/23/2006                        2/1/2007
     306.81                       38839.49                       39000                      8.75                  PLEASANT GROVE                                                  UT                          84062                         1                      2                        8/1/2006                      7/1/2021                     6/26/2006                        2/1/2007
     706.82                       58369.01                       59160                    14.125                  CRYSTAL                                                         MN                          55422                         1                      2                        8/1/2006                      7/1/2036                     6/30/2006                        2/1/2007
     706.82                       58369.01                       59160                    14.125                  CRYSTAL                                                         MN                          55422                         1                      2                        8/1/2006                      7/1/2036                     6/30/2006                        2/1/2007
     346.98                       36703.03                       36800                    10.875                  SOUTH ELGIN                                                     IL                          60177                         1                      2                        8/1/2006                      7/1/2036                     6/28/2006                        2/1/2007
      744.5                        63810.8                       63900                     13.75                  LAKEVILLE                                                       MN                          55044                         1                      2                        8/1/2006                      7/1/2036                     6/30/2006                        2/1/2007
     938.75                       92797.25                       93000                     11.75                  PRESCOTT VALLEY                                                 AZ                          86314                         1                      2                        8/1/2006                      7/1/2021                     6/23/2006                        2/1/2007
     187.61                       23485.42                       23580                     8.875                  HARRISBURG                                                      PA                          17102                         1                      2                        8/1/2006                      7/1/2036                     6/30/2006                        2/1/2007
     345.26                       46265.33                       46500                     8.125                  CATONSVILLE                                                     MD                          21228                         1                      2                        8/1/2006                      7/1/2036                     6/29/2006                        2/1/2007
     635.41                       61077.08                       61200                    12.125                  TALLAHASSEE                                                     FL                          32308                         4                      2                        8/1/2006                      7/1/2036                     6/28/2006                        2/1/2007
     163.52                        15718.4                       15750                    12.125                  INDIANAPOLIS                                                    IN                          46234                         1                      2                        8/1/2006                      7/1/2036                     6/19/2006                        2/1/2007
     434.07                       46341.09                       46500                     10.75                  TAMPA                                                           FL                          33629                         1                      2                        8/1/2006                      7/1/2036                      6/9/2006                        2/1/2007
     461.76                       50850.41                       51000                    10.375                  UPPER MARLBORO                                                  MD                          20772                         1                      2                        8/1/2006                      7/1/2036                     6/14/2006                        2/1/2007
     227.16                       17595.82                       25350                     10.25                  LAWRENCEVILLE                                                   GA                          30044                         2                      2                        9/1/2006                      8/1/2036                      7/6/2006                        2/1/2007
    1350.75                      113782.74                      114000                        14                  PORTLAND                                                        OR                          97214                         1                      2                        8/1/2006                      7/1/2021                     6/19/2006                        2/1/2007
     244.08                       20572.84                       20600                        14                  IDAHO FALLS                                                     ID                          83402                         1                      2                        8/1/2006                      7/1/2036                     6/20/2006                        2/1/2007
      961.3                      120335.19                      120820                     8.875                  CONCORD                                                         MA                           1742                         1                      2                        8/1/2006                      7/1/2036                     6/19/2006                        2/1/2007
     280.92                       31255.64                       31350                     10.25                  SHELBYVILLE                                                     TN                          37160                         1                      2                        8/1/2006                      7/1/2021                     6/26/2006                        2/1/2007
      412.7                        39670.2                       39750                    12.125                  NORTH AURORA                                                    IL                          60542                         1                      2                        8/1/2006                      7/1/2036                     6/30/2006                        2/1/2007
     376.35                       31459.62                       31500                    14.125                  PULLMAN                                                         WA                          99163                         1                      2                        8/1/2006                      7/1/2036                     6/27/2006                        2/1/2007
    3776.61                       320981.6                      321418                    13.875                  ALEXANDRIA                                                      VA                          22315                         1                      2                        8/1/2006                      7/1/2021                     6/28/2006                        2/1/2007
     773.02                       65700.69                       65790                    13.875                  PITTSFIELD                                                      NH                           3263                         4                      2                        8/1/2006                      7/1/2036                     6/22/2006                        2/1/2007
     522.96                       49356.09                       49450                    12.375                  POWDER SPRINGS                                                  GA                          30127                         1                      2                        8/1/2006                      7/1/2021                      7/3/2006                        2/1/2007
     356.22                       43139.17                       43300                      9.25                  SALT LAKE CITY                                                  UT                          84116                         1                      2                        8/1/2006                      7/1/2021                     6/26/2006                        2/1/2007
     160.92                       15257.23                       15500                    12.125                  MONTGOMERY                                                      AL                          36105                         1                      2                        8/1/2006                      7/1/2036                     6/30/2006                        2/1/2007
     245.46                       23594.53                       23642                    12.125                  TWIN FALLS                                                      ID                          83301                         1                      2                        8/1/2006                      7/1/2036                     6/22/2006                        2/1/2007
     670.17                       68832.28                       69000                     11.25                  NASHVILLE                                                       TN                          37211                         1                      2                        8/1/2006                      7/1/2036                     6/30/2006                        2/1/2007
     415.94                       35359.07                       35400                    13.875                  ALBRIGHTSVILLE                                                  PA                          18210                         1                      2                        9/1/2006                      8/1/2036                     7/11/2006                        2/1/2007
     242.04                       20572.08                       20600                    13.875                  ETOWAH                                                          TN                          37331                         1                      2                        8/1/2006                      7/1/2036                     6/30/2006                        2/1/2007
     409.63                       40092.67                       40200                    11.875                  LAUREL                                                          MD                          20724                         1                      2                        8/1/2006                      7/1/2036                     6/28/2006                        2/1/2007
     569.96                       59696.48                       59850                        11                  FLOWERY BRANCH                                                  GA                          30542                         1                      2                        8/1/2006                      7/1/2036                     6/23/2006                        2/1/2007
    1118.33                      124424.17                      124800                     10.25                  SPANISH FORT                                                    AL                          36527                         1                      2                        8/1/2006                      7/1/2036                     6/28/2006                        2/1/2007
     199.76                        21350.6                       21400                     10.75                  WOLCOTTVILLE                                                    IN                          46795                         1                      2                        9/1/2006                      8/1/2021                      7/5/2006                        2/1/2007
     495.15                       49884.86                       50000                      11.5                  SEATTLE                                                         WA                          98122                         1                      2                        8/1/2006                      7/1/2021                     6/27/2006                        2/1/2007
     686.54                       69778.19                       70000                    11.375                  TRIANGLE                                                        VA                          22172                         1                      2                        8/1/2006                      7/1/2021                     6/23/2006                        2/1/2007
     423.18                       42866.06                       44000                    11.125                  PLANT CITY                                                      FL                          33563                         1                      2                        9/1/2006                      8/1/2021                     7/10/2006                        2/1/2007
     305.01                       35381.12                       35500                      9.75                  SOUTH OZONE PARK                                                NY                          11420                         2                      2                        8/1/2006                      7/1/2036                     6/14/2006                        2/1/2007
     381.23                       32939.74                       33000                    13.625                  LUTZ                                                            FL                          33549                         1                      2                        9/1/2006                      8/1/2036                      7/6/2006                        2/1/2007
     783.23                       63405.54                       65700                    11.875                  PORT ST LUCIE                                                   FL                          34953                         1                      2                        9/1/2006                      8/1/2021                      7/7/2006                        2/1/2007
     197.03                       23648.38                       23950                      9.25                  ETOWAH                                                          TN                          37331                         1                      2                        8/1/2006                      7/1/2036                     6/30/2006                        2/1/2007
      496.7                       47321.05                       47400                     12.25                  WEST JORDAN                                                     UT                          84084                         1                      2                        9/1/2006                      8/1/2036                      7/6/2006                        2/1/2007
     662.77                       70807.79                       71000                     10.75                  HOFFMAN ESTATES                                                 IL                          60169                         1                      2                        8/1/2006                      7/1/2036                     6/23/2006                        2/1/2007
     596.59                       57873.19                       58000                        12                  PINGREE GROVE                                                   IL                          60140                         1                      2                        8/1/2006                      7/1/2036                     6/26/2006                        2/1/2007
     220.99                       25923.79                       26000                     9.625                  CHICAGO                                                         IL                          60636                         1                      2                        9/1/2006                      8/1/2036                      7/7/2006                        2/1/2007
     452.44                       44304.06                       44400                    11.875                  LAYTON                                                          UT                          84041                         1                      2                        8/1/2006                      7/1/2036                     6/26/2006                        2/1/2007
     273.91                       25836.93                       25900                    12.375                  LEBANON                                                         OR                          97355                         1                      2                        8/1/2006                      7/1/2021                     6/28/2006                        2/1/2007
     213.72                       18016.69                       18037                        14                  VICKSBURG                                                       MS                          39180                         1                      2                        9/1/2006                      8/1/2021                     7/11/2006                        2/1/2007
     257.75                       26742.95                       26800                    11.125                  BLUE ISLAND                                                     IL                          60406                         1                      2                        9/1/2006                      8/1/2036                     7/10/2006                        2/1/2007
     276.15                       27025.16                       27100                    11.875                  ROY                                                             UT                          84067                         1                      2                        9/1/2006                      8/1/2036                      7/5/2006                        2/1/2007
     165.67                       14080.88                       14100                    13.875                  CHATTANOOGA                                                     TN                          37415                         1                      2                        8/1/2006                      7/1/2036                     6/28/2006                        2/1/2007
     264.46                       26151.32                       26200                     11.75                  PARK FOREST                                                     IL                          60466                         1                      2                        9/1/2006                      8/1/2036                      7/5/2006                        2/1/2007
     285.43                       38453.45                       38900                         8                  OMAHA                                                           NE                          68114                         1                      2                        9/1/2006                      8/1/2036                     7/24/2006                        2/1/2007
     303.76                        25603.2                       25637                        14                  NAMPA                                                           ID                          83686                         1                      2                        8/1/2006                      7/1/2021                     6/26/2006                        2/1/2007
    1115.97                       99839.26                      100000                    13.125                  ROSLINDALE                                                      MA                           2131                         2                      2                        8/1/2006                      7/1/2036                     6/29/2006                        2/1/2007
     156.25                        14955.9                       15050                    12.125                  TALLAHASSEE                                                     FL                          32310                         1                      2                        8/1/2006                      7/1/2036                     6/28/2006                        2/1/2007
     716.99                       78882.25                       79190                    10.375                  MAPLE VALLEY                                                    WA                          98038                         1                      2                        8/1/2006                      7/1/2036                     6/22/2006                        2/1/2007
     553.29                       52696.86                       52800                     12.25                  COLONIAL BEACH                                                  VA                          22443                         1                      2                        8/1/2006                      7/1/2036                     6/28/2006                        2/1/2007
     143.67                       16157.22                       16200                    10.125                  WOODBRIDGE                                                      VA                          22191                         1                      2                        9/1/2006                      8/1/2021                      7/7/2006                        2/1/2007
     812.46                       73932.94                       74100                    12.875                  SAINT CLOUD                                                     FL                          34769                         1                      2                        8/1/2006                      7/1/2021                     6/27/2006                        2/1/2007
     243.79                       25533.91                       25600                        11                  MONTGOMERY                                                      AL                          36111                         1                      2                        8/1/2006                      7/1/2036                     6/26/2006                        2/1/2007
     105.76                        9494.59                       10000                    12.375                  ALBANY                                                          NY                          12210                         2                      2                        9/1/2006                      8/1/2036                      7/5/2006                        2/1/2007
     276.64                       26348.46                       26400                     12.25                  ALLENTOWN                                                       PA                          18102                         1                      2                        8/1/2006                      7/1/2021                     6/30/2006                        2/1/2007
     139.95                       17519.45                       17590                     8.875                  ODENVILLE                                                       AL                          35120                         1                      2                        8/1/2006                      7/1/2036                     6/29/2006                        2/1/2007
     290.22                        23524.1                       24700                    13.875                  ONTARIO                                                         OR                          97914                         3                      2                        8/1/2006                      7/1/2021                     6/28/2006                        2/1/2007
     105.75                        9983.84                       10000                    12.375                  TRENTON                                                         TN                          38382                         1                      2                        9/1/2006                      8/1/2036                      7/7/2006                        2/1/2007
     272.58                       29120.92                       29200                     10.75                  LAS VEGAS                                                       NV                          89147                         1                      2                        8/1/2006                      7/1/2036                     6/26/2006                        2/1/2007
     245.04                       24742.36                       26250                     10.75                  CENTRALIA                                                       WA                          98531                         1                      2                        9/1/2006                      8/1/2021                     6/29/2006                        2/1/2007
     230.08                       30485.42                       30625                      8.25                  SOMERVILLE                                                      MA                           2144                         1                      2                        8/1/2006                      7/1/2036                     6/30/2006                        2/1/2007
     764.21                       64411.86                       64497                        14                  ORLANDO                                                         FL                          32822                         1                      2                        8/1/2006                      7/1/2021                     6/30/2006                        2/1/2007
    2738.01                      234671.78                      235000                     13.75                  CLEARWATER BEACH                                                FL                          33767                         1                      2                        8/1/2006                      7/1/2021                     6/29/2006                        2/1/2007
     595.55                        58890.3                       59000                     11.75                  MARYSVILLE                                                      WA                          98271                         1                      2                        9/1/2006                      8/1/2036                     6/29/2006                        2/1/2007
     353.11                       38902.38                       39000                    10.375                  RED HILL                                                        PA                          18076                         1                      2                        9/1/2006                      8/1/2036                      7/6/2006                        2/1/2007
      643.3                       53374.22                       54750                    13.875                  WINTER HAVEN                                                    FL                          33884                         1                      2                        8/1/2006                      7/1/2036                     6/30/2006                        2/1/2007
    1086.48                      119648.12                      120000                    10.375                  WOODBINE                                                        MD                          21797                         1                      2                        8/1/2006                      7/1/2036                     6/26/2006                        2/1/2007
     191.79                        20726.1                       21403                     10.25                  WAKE FOREST                                                     NC                          27587                         1                      2                        8/1/2006                      7/1/2036                     6/29/2006                        2/1/2007
     390.76                       44874.75                       45000                     9.875                  SCOTTSDALE                                                      AZ                          85257                         1                      2                        9/1/2006                      8/1/2036                      7/6/2006                        2/1/2007
      295.5                       28144.97                       28200                     12.25                  FAIRFIELD                                                       OH                          45014                         1                      2                        8/1/2006                      7/1/2021                     6/29/2006                        2/1/2007
        847                       77118.64                       77250                    12.875                  RIVERHEAD                                                       NY                          11901                         1                      2                        8/1/2006                      7/1/2021                     6/20/2006                        2/1/2007
     722.26                       61386.56                       61470                    13.875                  WINTER HAVEN                                                    FL                          33884                         1                      2                        8/1/2006                      7/1/2036                     6/30/2006                        2/1/2007
     133.12                       11220.18                       11235                        14                  INDIANAPOLIS                                                    IN                          46227                         1                      2                        8/1/2006                      7/1/2036                     6/28/2006                        2/1/2007
     361.98                       39862.76                       39980                    10.375                  POST FALLS                                                      ID                          83854                         1                      2                        8/1/2006                      7/1/2021                     6/29/2006                        2/1/2007
     126.54                        14245.7                       14420                        10                  JASPER                                                          AL                          35501                         1                      2                        8/1/2006                      7/1/2036                     6/30/2006                        2/1/2007
     169.56                       19060.88                       19120                    10.125                  CHUBBUCK                                                        ID                          83202                         1                      2                        8/1/2006                      7/1/2021                     6/27/2006                        2/1/2007
     227.97                       27901.63                       28020                     9.125                  CAMDEN                                                          TN                          38320                         1                      2                        8/1/2006                      7/1/2021                     6/30/2006                        2/1/2007
     229.11                       27076.62                       27850                      9.25                  WOODSTOCK                                                       GA                          30189                         1                      2                        9/1/2006                      8/1/2021                     7/11/2006                        2/1/2007
     162.85                        19509.2                       19580                     9.375                  WINFIELD                                                        AL                          35594                         1                      2                        8/1/2006                      7/1/2036                     6/29/2006                        2/1/2007
     152.93                        17750.2                       17801                      9.75                  FORT WORTH                                                      TX                          76123                         1                      2                        9/1/2006                      8/1/2021                      7/6/2006                        2/1/2007
     152.78                        16998.5                       17050                     10.25                  LAWRENCEVILLE                                                   GA                          30045                         1                      2                        9/1/2006                      8/1/2036                     7/19/2006                        2/1/2007
      85.91                        9971.47                       10000                      9.75                  MOUNT PLEASANT                                                  IA                          52641                         1                      2                        9/1/2006                      8/1/2036                      7/7/2006                        2/1/2007
     184.54                       23401.62                       24000                       8.5                  WILMINGTON                                                      NC                          28412                         1                      2                        9/1/2006                      8/1/2021                      7/7/2006                        2/1/2007
     334.87                       28440.71                       28500                    13.875                  BALTIMORE                                                       MD                          21206                         1                      2                        9/1/2006                      8/1/2021                      7/7/2006                        2/1/2007
     367.13                       34336.47                       34400                      12.5                  TALLAHASSEE                                                     FL                          32305                         1                      2                        8/1/2006                      7/1/2036                      7/3/2006                        2/1/2007
     814.16                       73436.71                       73600                        13                  HYATTSVILLE                                                     MD                          20782                         1                      2                        8/1/2006                      7/1/2021                      7/5/2006                        2/1/2007
     374.37                       35322.97                       35400                    12.375                  ELGIN                                                           IL                          60123                         1                      2                        9/1/2006                      8/1/2036                     7/10/2006                        2/1/2007
     417.12                       45488.87                       45600                      10.5                  SANDY                                                           UT                          84094                         1                      2                        9/1/2006                      8/1/2021                     7/12/2006                        2/1/2007
     241.39                       26616.75                       30000                         9                  JERSEY CITY                                                     NJ                           7304                         1                      2                        9/1/2006                      8/1/2021                      7/6/2006                        2/1/2007
     693.76                       65493.73                       65600                    12.375                  BRENTWOOD                                                       MD                          20722                         1                      2                        9/1/2006                      8/1/2021                     7/11/2006                        2/1/2007
     208.81                       19966.29                       20000                      12.2                  SHELBYVILLE                                                     KY                          40065                         1                      2                        9/1/2006                      8/1/2036                     8/16/2006                        2/1/2007
     423.18                       43922.26                       44000                    11.125                  LAS VEGAS                                                       NV                          89123                         1                      2                       10/1/2006                      9/1/2021                      8/7/2006                        2/1/2007
     1012.5                         108000                      108000                     11.25                  DRAPER                                                          UT                          84020                         1                      2                       10/1/2006                      9/1/2036                     8/31/2006                        2/1/2007
     333.31                       34919.46                       35000                        11                  PHOENIX                                                         AZ                          85037                         1                      2                       10/1/2006                      9/1/2021                      9/5/2006                        2/1/2007
     601.21                       58928.72                       59000                    11.875                  PHOENIX                                                         AZ                          85014                         1                      2                       11/1/2006                     10/1/2036                     9/12/2006                        2/1/2007
     859.85                       73696.94                       73800                     13.75                  PARKER                                                          CO                          80134                         1                      2                        8/1/2006                      7/1/2036                     6/20/2006                        2/1/2007
     508.13                       49294.54                       49400                        12                  LAKEWOOD                                                        CO                          80226                         1                      2                        8/1/2006                      7/1/2036                     6/19/2006                        2/1/2007
     543.35                       49345.74                       50000                     12.75                  PLANTATION                                                      FL                          33324                         1                      2                        8/1/2006                      7/1/2021                     6/28/2006                        2/1/2007
     446.39                       39935.68                       40000                    13.125                  PHOENIX                                                         AZ                          85033                         1                      2                        8/1/2006                      7/1/2036                     6/16/2006                        2/1/2007
     887.82                       76093.54                       76200                     13.75                  JACKSONVILLE BEACH                                              FL                          32250                         1                      2                        8/1/2006                      7/1/2021                     6/30/2006                        2/1/2007
     467.15                       42160.16                       42230                        13                  KISSIMMEE                                                       FL                          34759                         1                      2                        8/1/2006                      7/1/2021                     6/23/2006                        2/1/2007
     795.09                        71055.6                       74498                      12.5                  SAN JACINTO                                                     CA                          92582                         1                      2                        9/1/2006                      8/1/2036                      7/7/2006                        2/1/2007
    1451.47                      135748.63                      136000                      12.5                  SANTA MARIA                                                     CA                          93455                         1                      2                        8/1/2006                      7/1/2036                     6/27/2006                        2/1/2007
     565.65                       52882.09                       53000                      12.5                  DENVER                                                          CO                          80247                         1                      2                        9/1/2006                      8/1/2036                     7/14/2006                        2/1/2007
     770.56                        72066.1                       72200                      12.5                  OLYMPIA                                                         WA                          98512                         1                      2                        8/1/2006                      7/1/2036                     6/28/2006                        2/1/2007
    2364.12                      209671.69                      210000                     13.25                  LAS VEGAS                                                       NV                          89117                         1                      2                        8/1/2006                      7/1/2021                     6/22/2006                        2/1/2007
     515.57                       49103.86                       49200                     12.25                  PHOENIX                                                         AZ                          85043                         1                      2                        8/1/2006                      7/1/2021                     6/27/2006                        2/1/2007
     681.54                       64930.67                       65039                     12.25                  HENDERSON                                                       NV                          89012                         1                      2                        9/1/2006                      8/1/2021                     6/30/2006                        2/1/2007
     563.77                       53710.37                       53800                     12.25                  MESA                                                            AZ                          85204                         1                      2                        9/1/2006                      8/1/2021                     7/11/2006                        2/1/2007
    1059.01                      101825.34                      102000                    12.125                  LAS VEGAS                                                       NV                          89135                         1                      2                        9/1/2006                      8/1/2021                     7/17/2006                        2/1/2007
       1707                      134833.54                      135000                        15                  LAS VEGAS                                                       NV                          89139                         1                      2                        9/1/2006                      8/1/2021                     7/14/2006                        2/1/2007
    2167.46                      176822.45                      177000                      14.5                  LAS VEGAS                                                       NV                          89117                         1                      2                        9/1/2006                      8/1/2021                     7/20/2006                        2/1/2007
     656.17                       63091.78                       63200                    12.125                  LAS VEGAS                                                       NV                          89147                         1                      2                        9/1/2006                      8/1/2021                     7/14/2006                        2/1/2007
      748.2                       71279.24                       71400                     12.25                  MESA                                                            AZ                          85201                         1                      2                        9/1/2006                      8/1/2021                     7/11/2006                        2/1/2007
     937.48                       91833.56                       92000                    11.875                  PHOENIX                                                         AZ                          85028                         1                      2                        9/1/2006                      8/1/2021                      7/7/2006                        2/1/2007
     385.55                       44033.43                       44400                     9.875                  STONE MOUNTAIN                                                  GA                          30087                         1                      2                       10/1/2005                      9/1/2020                     8/12/2005                        2/1/2007
     449.81                       57901.89                       58500                       8.5                  LAS VEGAS                                                       NV                          89122                         1                      2                       11/1/2005                     10/1/2020                     9/21/2005                        2/1/2007
     520.12                       58304.47                       58650                    10.125                  STOCKBRIDGE                                                     GA                          30281                         1                      2                        2/1/2006                      1/1/2021                     12/9/2005                        2/1/2007
     466.42                       51702.29                       52050                     10.25                  CARY                                                            NC                          27519                         1                      2                       12/1/2005                     11/1/2020                     10/5/2005                        2/1/2007
     312.56                       40119.26                       40650                       8.5                  CASA GRANDE                                                     AZ                          85222                         1                      2                        1/1/2006                     12/1/2020                     11/7/2005                        2/1/2007
     312.92                       30870.61                       31000                     11.75                  SUMMERVILLE                                                     SC                          29483                         1                      2                        2/1/2006                      1/1/2036                    12/13/2005                        2/1/2007
     281.28                       30568.89                       30750                      10.5                  BUFORD                                                          GA                          30519                         1                      2                        1/1/2006                     12/1/2020                    11/21/2005                        2/1/2007
     224.75                       23484.36                       23600                        11                  DACULA                                                          GA                          30019                         1                      2                        2/1/2006                      1/1/2036                      1/3/2006                        2/1/2007
     603.47                       74370.24                       75000                         9                  YORBA LINDA                                                     CA                          92887                         1                      2                        2/1/2006                      1/1/2021                    12/16/2005                        2/1/2007
     246.65                       30763.76                       31000                     8.875                  AUBURN                                                          MA                           1501                         1                      2                        2/1/2006                      1/1/2036                    12/28/2005                        2/1/2007
     235.41                        25075.5                       26000                    10.375                  DAPHENE                                                         AL                          36527                         1                      2                        3/1/2006                      2/1/2036                      1/3/2006                        2/1/2007
     264.87                       19458.14                       31500                       9.5                  LAWRENCEVILLE                                                   GA                          30044                         1                      2                        2/1/2006                      1/1/2021                    12/20/2005                        2/1/2007
      332.6                       32647.09                       32950                     11.75                  CONYERS                                                         GA                          30012                         1                      2                        2/1/2006                      1/1/2021                    12/29/2005                        2/1/2007
     462.05                       49732.75                       50000                    10.625                  CHICAGO                                                         IL                          60707                         1                      2                        3/1/2006                      2/1/2021                      2/3/2006                        2/1/2007
     285.57                       35993.82                       36300                      8.75                  BROOKLET                                                        GA                          30415                         1                      2                        3/1/2006                      2/1/2036                     1/24/2006                        2/1/2007
     149.47                       18862.38                       19000                      8.75                  WELLSVILLE                                                      UT                          84339                         1                      2                        3/1/2006                      2/1/2036                     1/23/2006                        2/1/2007
      80.46                        9931.71                       10000                         9                  MC GAHEYSVILLE                                                  VA                          22840                         1                      2                        3/1/2006                      2/1/2021                     1/31/2006                        2/1/2007
     368.67                       47050.61                       47400                     8.625                  MARIETTA                                                        GA                          30067                         1                      2                        3/1/2006                      2/1/2021                     1/19/2006                        2/1/2007
     475.88                       41518.62                       42750                    10.625                  CHICAGO                                                         IL                          60634                         1                      2                        3/1/2006                      2/1/2021                     1/31/2006                        2/1/2007
     683.31                       74358.79                       74700                      10.5                  FONTANA                                                         CA                          92337                         1                      2                        4/1/2006                      3/1/2021                      2/2/2006                        2/1/2007
     153.72                       20196.73                       20950                         8                  MONROE                                                          GA                          30655                         1                      2                        3/1/2006                      2/1/2021                     1/26/2006                        2/1/2007
     268.28                          36447                       37000                     7.875                  NORTH SALT LAKE                                                 UT                          84054                         1                      2                        3/1/2006                      2/1/2021                      2/8/2006                        2/1/2007
     275.07                       26167.78                       26250                     12.25                  HUMBOLDT                                                        AZ                          86329                         1                      2                        4/1/2006                      3/1/2036                     2/23/2006                        2/1/2007
     152.34                        16898.3                       17000                     10.25                  POWDER SPRINGS                                                  GA                          30127                         1                      2                        4/1/2006                      3/1/2036                     2/13/2006                        2/1/2007
     338.47                       31507.96                       32300                     12.25                  ORANGE BEACH                                                    AL                          36561                         1                      2                        4/1/2006                      3/1/2021                     2/10/2006                        2/1/2007
        245                       31287.97                       31500                     8.625                  BELEN                                                           NM                          87002                         1                      2                        4/1/2006                      3/1/2036                      2/7/2006                        2/1/2007
     500.59                       50308.54                       50550                      11.5                  PLATTE CITY                                                     MO                          64079                         1                      2                        4/1/2006                      3/1/2021                     2/14/2006                        2/1/2007
     361.41                        37794.1                       37950                        11                  LAS VEGAS                                                       NV                          89121                         1                      2                        4/1/2006                      3/1/2021                     2/17/2006                        2/1/2007
     246.87                       23920.53                       24000                        12                  ATLANTA                                                         GA                          30310                         1                      2                        4/1/2006                      3/1/2021                      2/9/2006                        2/1/2007
     235.78                       22429.45                       22500                     12.25                  ATLANTA                                                         GA                          30318                         1                      2                        4/1/2005                      3/1/2020                     2/28/2006                        2/1/2007
     260.77                       24807.01                       24885                     12.25                  MCDONOUGH                                                       GA                          30252                         1                      2                        4/1/2006                      3/1/2036                     2/14/2006                        2/1/2007
     214.03                       26126.65                       26900                     8.875                  DOLTON                                                          IL                          60419                         1                      2                        4/1/2006                      3/1/2021                     2/24/2006                        2/1/2007
     605.16                       56933.62                       57750                     12.25                  RIVERVIEW                                                       FL                          33569                         1                      2                        4/1/2006                      3/1/2021                     2/27/2006                        2/1/2007
     293.99                       36713.54                       36950                     8.875                  LOGANVILLE                                                      GA                          30052                         1                      2                        4/1/2006                      3/1/2036                     2/17/2006                        2/1/2007
     356.75                       38821.85                       39000                      10.5                  PEYTON                                                          CO                          80831                         1                      2                        4/1/2006                      3/1/2021                     2/28/2006                        2/1/2007
     479.94                       45656.46                       45800                     12.25                  LAKE IN THE HILLS                                               IL                          60156                         1                      2                        4/1/2006                      3/1/2036                     2/28/2006                        2/1/2007
     331.85                       35410.67                       35550                     10.75                  TAMPA                                                           FL                          33613                         1                      2                        5/1/2006                      4/1/2021                     3/15/2006                        2/1/2007
     105.82                       13214.14                       13300                     8.875                  CASPER                                                          WY                          82609                         1                      2                        5/1/2006                      4/1/2036                      4/3/2006                        2/1/2007
     386.66                       46825.41                       47000                      9.25                  PANAMA CITY                                                     FL                          32401                         1                      2                        8/1/2006                      7/1/2036                     6/15/2006                        2/1/2007
     143.08                       19379.11                       19500                         8                  COLORADO SPRINGS                                                CO                          80917                         1                      2                        6/1/2006                      5/1/2021                      4/3/2006                        2/1/2007
     188.16                       18888.39                       19000                      11.5                  WATERFORD                                                       MI                          48328                         1                      2                        5/1/2006                      4/1/2036                     3/21/2006                        2/1/2007
     573.72                       54583.74                       54750                     12.25                  LITTLETON                                                       CO                          80123                         1                      2                        6/1/2006                      5/1/2021                     4/12/2006                        2/1/2007
     168.68                        16678.1                       16895                      10.5                  MESQUITE                                                        NV                          89027                         1                      2                        5/1/2006                      4/1/2026                     3/23/2006                        2/1/2007
      746.1                       70998.23                       71200                     12.25                  COLTON                                                          CA                          92324                         1                      2                        5/1/2006                      4/1/2021                     3/30/2006                        2/1/2007
     217.44                       20703.43                       20750                     12.25                  OGDEN                                                           UT                          84403                         1                      2                        7/1/2006                      6/1/2021                     5/18/2006                        2/1/2007
     140.03                       17705.13                       17800                      8.75                  MURFREESBORO                                                    TN                          37128                         1                      2                        6/1/2006                      5/1/2036                      5/1/2006                        2/1/2007
     660.68                       74269.62                       74500                    10.125                  SILVER SPRING                                                   MD                          20902                         1                      2                        8/1/2006                      7/1/2036                     6/26/2006                        2/1/2007
     494.39                       53351.25                       53500                    10.625                  BONITA SPRINGS                                                  FL                          34135                         1                      2                        8/1/2006                      7/1/2036                      6/2/2006                        2/1/2007
     405.48                        35283.3                       35400                      13.5                  HARRISBURG                                                      PA                          17112                         1                      2                        7/1/2006                      6/1/2036                     5/22/2006                        2/1/2007
     660.39                       82565.43                       83000                     8.875                  BOULDER                                                         CO                          80305                         1                      2                        6/1/2006                      5/1/2021                      5/2/2006                        2/1/2007
     178.57                       23921.13                       24050                     8.125                  ALBUQUERQUE                                                     NM                          87105                         1                      2                        7/1/2006                      6/1/2036                     5/31/2006                        2/1/2007
     671.49                       78647.71                       79000                     9.625                  WASHINGTON                                                      DC                          20018                         1                      2                        6/1/2006                      5/1/2036                      5/3/2006                        2/1/2007
      266.9                       31260.16                       31400                     9.625                  ALBUQUERQUE                                                     NM                          87107                         1                      2                        6/1/2006                      5/1/2036                     4/28/2006                        2/1/2007
     177.01                       22393.74                       22500                      8.75                  AURORA                                                          IL                          60505                         1                      2                        7/1/2006                      6/1/2021                     5/10/2006                        2/1/2007
     166.93                       15463.79                       15500                    12.625                  DOVER                                                           PA                          17315                         3                      2                        6/1/2006                      5/1/2036                      5/1/2006                        2/1/2007
     437.24                       51816.68                       52000                       9.5                  PARKER                                                          CO                          80138                         1                      2                        8/1/2006                      7/1/2021                      6/6/2006                        2/1/2007
     431.09                       36940.61                       37000                     13.75                  BLOOMFIELD HILLS                                                MI                          48304                         1                      2                        7/1/2006                      6/1/2021                     5/11/2006                        2/1/2007
     480.07                       51759.53                       51950                    10.625                  LAWRENCEVILLE                                                   GA                          30043                         1                      2                        7/1/2006                      6/1/2036                     5/26/2006                        2/1/2007
     222.78                       27871.11                       28000                     8.875                  LAS VEGAS                                                       NV                          89129                         1                      2                        7/1/2006                      6/1/2021                     5/19/2006                        2/1/2007
     458.99                       53759.63                       54000                     9.625                  LAS VEGAS                                                       NV                          89117                         1                      2                        6/1/2006                      5/1/2021                      5/1/2006                        2/1/2007
     314.38                       35340.36                       35450                    10.125                  SANDY                                                           OR                          97055                         1                      2                        8/1/2006                      7/1/2036                     6/13/2006                        2/1/2007
      668.6                       64845.89                       65000                        12                  DORCHESTER                                                      MA                           2122                         1                      2                        7/1/2006                      6/1/2021                     5/18/2006                        2/1/2007
     289.99                       32583.95                       32700                    10.125                  AUBURN                                                          WA                          98001                         1                      2                        7/1/2006                      6/1/2021                     5/12/2006                        2/1/2007
      195.5                       22704.02                       23000                     9.625                  GREENVILLE                                                      GA                          30222                         1                      2                        8/1/2006                      7/1/2021                     6/20/2006                        2/1/2007
     457.37                       49836.09                       50000                      10.5                  ANN ARBOR                                                       MI                          48103                         1                      2                        7/1/2006                      6/1/2036                     5/17/2006                        2/1/2007
     560.17                       64981.79                       65200                      9.75                  ST LOUIS                                                        MO                          63146                         1                      2                        8/1/2006                      7/1/2021                     6/13/2006                        2/1/2007
     856.94                      117562.38                      118187                     7.875                  LITTLETON                                                       CO                          80123                         1                      2                        8/1/2006                      7/1/2021                      6/7/2006                        2/1/2007
     186.59                       23864.08                       23990                     8.625                  DENVER                                                          CO                          80205                         1                      2                        7/1/2006                      6/1/2036                     5/19/2006                        2/1/2007
     267.44                       28294.74                       28650                     10.75                  WAKE FOREST                                                     NC                          27587                         1                      2                        8/1/2006                      7/1/2021                      6/2/2006                        2/1/2007
     388.58                       41915.78                       42050                    10.625                  RIVERVIEW                                                       FL                          33569                         1                      2                        7/1/2006                      6/1/2036                     5/23/2006                        2/1/2007
    1166.68                      149272.51                      150000                     8.625                  FONTANA                                                         CA                          92336                         1                      2                        7/1/2006                      6/1/2021                     5/26/2006                        2/1/2007
     178.39                       22823.88                       22935                     8.625                  SCHERERVILLE                                                    IN                          46375                         1                      2                        7/1/2006                      6/1/2036                     5/26/2006                        2/1/2007
     493.61                       53991.75                       60000                      9.25                  SOUTH JORDAN                                                    UT                          84095                         1                      2                        8/1/2006                      7/1/2036                     6/26/2006                        2/1/2007
     330.65                       38746.64                       38900                     9.625                  PRESCOTT                                                        AZ                          86301                         1                      2                        7/1/2006                      6/1/2021                     5/19/2006                        2/1/2007
     590.62                       66393.68                       66600                    10.125                  PHOENIX                                                         AZ                          85041                         1                      2                        8/1/2006                      7/1/2021                      6/9/2006                        2/1/2007
      440.1                       43490.86                       43600                     11.75                  AURORA                                                          IL                          60505                         1                      2                        7/1/2006                      6/1/2021                     5/19/2006                        2/1/2007
     231.23                       27684.55                       27800                     9.375                  MOSS POINT                                                      MS                          39562                         1                      2                        7/1/2006                      6/1/2036                     5/30/2006                        2/1/2007
     326.54                       32269.02                       32350                     11.75                  NAMPA                                                           ID                          83651                         1                      2                        7/1/2006                      6/1/2021                     5/24/2006                        2/1/2007
        245                       31367.01                       31500                     8.625                  POWDER SPRINGS                                                  GA                          30127                         1                      2                        8/1/2006                      7/1/2021                      6/7/2006                        2/1/2007
     145.01                       19901.77                       20000                     7.875                  LITHONIA                                                        GA                          30058                         1                      2                        8/1/2006                      7/1/2036                      6/9/2006                        2/1/2007
     181.08                       22018.54                       22256                     9.125                  LOGANVILLE                                                      GA                          30052                         1                      2                        7/1/2006                      6/1/2036                     5/31/2006                        2/1/2007
     286.87                       33634.06                       33750                     9.625                  HARTFORD                                                        CT                           6114                         1                      2                        8/1/2006                      7/1/2021                     6/16/2006                        2/1/2007
     552.49                        64743.8                       65000                     9.625                  LAS VEGAS                                                       NV                          89147                         1                      2                        7/1/2006                      6/1/2036                      6/1/2006                        2/1/2007
     160.21                       18389.87                       18450                     9.875                  WENDELL                                                         NC                          27591                         1                      2                        8/1/2006                      7/1/2036                      6/2/2006                        2/1/2007
     199.97                       19955.18                       20000                    11.625                  FERNDALE                                                        MI                          48220                         1                      2                        8/1/2006                      7/1/2021                     6/21/2006                        2/1/2007
     482.83                       57808.97                       58050                     9.375                  HENDERSONVILLE                                                  NC                          28791                         1                      2                        7/1/2006                      6/1/2021                     5/26/2006                        2/1/2007
     278.92                       28916.81                       29000                    11.125                  BUFORD                                                          GA                          30519                         1                      2                        7/1/2006                      6/1/2036                     5/18/2006                        2/1/2007
     539.02                       53237.48                       53400                     11.75                  AURORA                                                          CO                          80016                         1                      2                        7/1/2006                      6/1/2036                     5/15/2006                        2/1/2007
      229.5                       26907.23                       27000                     9.625                  PORTLAND                                                        OR                          97220                         1                      2                        8/1/2006                      7/1/2021                     6/22/2006                        2/1/2007
     396.14                        33945.4                       34000                     13.75                  LAS VEGAS                                                       NV                          89147                         1                      2                        7/1/2006                      6/1/2021                     5/31/2006                        2/1/2007
     297.27                       41751.38                       42000                     7.625                  BOWIE                                                           MD                          20716                         1                      2                        7/1/2006                      6/1/2036                     5/26/2006                        2/1/2007
     163.12                       13977.49                       14000                     13.75                  FRONT ROYAL                                                     VA                          22630                         1                      2                        7/1/2006                      6/1/2036                      6/6/2006                        2/1/2007
     198.34                       25388.92                       25500                     8.625                  CRANSTON                                                        RI                           2905                         1                      2                        8/1/2006                      7/1/2036                      6/7/2006                        2/1/2007
     197.65                        20478.4                       20550                    11.125                  VILLA RICA                                                      GA                          30180                         1                      2                        7/1/2006                      6/1/2021                     5/26/2006                        2/1/2007
        245                       31367.01                       31500                     8.625                  FORT MYERS                                                      FL                          33908                         1                      2                        8/1/2006                      7/1/2036                      6/7/2006                        2/1/2007
     393.75                       43672.77                       44400                    10.125                  FLOWERY BRANCH                                                  GA                          30542                         1                      2                        7/1/2006                      6/1/2036                     5/15/2006                        2/1/2007
     226.34                       28977.09                       29100                     8.625                  HANOVER PARK                                                    IL                          60133                         1                      2                        8/1/2006                      7/1/2036                     6/27/2006                        2/1/2007
     339.37                       39200.52                       39500                      9.75                  LAS VEGAS                                                       NV                          89122                         1                      2                        8/1/2006                      7/1/2036                     6/14/2006                        2/1/2007
     429.93                       42903.59                       43000                    11.625                  FORT WASHINGTON                                                 MD                          20744                         1                      2                        8/1/2006                      7/1/2036                     6/27/2006                        2/1/2007
     456.72                       39021.66                       39200                     13.75                  YORK                                                            PA                          17402                         1                      2                        8/1/2006                      7/1/2036                     6/15/2006                        2/1/2007
     314.82                       35390.23                       35500                    10.125                  GULF SHORES                                                     AL                          36542                         1                      2                        8/1/2006                      7/1/2021                     6/12/2006                        2/1/2007
     373.95                        45348.6                       47000                     8.875                  LAS VEGAS                                                       NV                          89147                         1                      2                        8/1/2006                      7/1/2021                     6/22/2006                        2/1/2007
      348.5                       40834.33                       41000                     9.625                  SPRINGFIELD                                                     MA                           1119                         2                      2                        8/1/2006                      7/1/2021                      6/8/2006                        2/1/2007
     507.02                       59414.85                       59650                     9.625                  HENDERSONVILLE                                                  TN                          37075                         1                      2                        7/1/2006                      6/1/2021                      6/1/2006                        2/1/2007
    2105.94                      180497.52                      180750                     13.75                  LONG BEACH                                                      CA                          90803                         1                      2                        8/1/2006                      7/1/2036                      6/8/2006                        2/1/2007
     758.34                        97019.5                       97500                     8.625                  GULF SHORES                                                     AL                          36542                         1                      2                        8/1/2006                      7/1/2036                      6/5/2006                        2/1/2007
     232.16                       22942.44                       23000                     11.75                  DENVER                                                          CO                          80218                         1                      2                        7/1/2006                      6/1/2021                     5/25/2006                        2/1/2007
     243.06                        31081.6                       31250                     8.625                  ALBUQUERQUE                                                     NM                          87105                         1                      2                        7/1/2006                      6/1/2021                     5/17/2006                        2/1/2007
     409.08                       51785.97                       52000                      8.75                  BELLA VISTA                                                     AR                          72714                         1                      2                        8/1/2006                      7/1/2021                     6/12/2006                        2/1/2007
     156.61                       21493.92                       21600                     7.875                  BURT                                                            MI                          48417                         1                      2                        8/1/2006                      7/1/2021                     6/12/2006                        2/1/2007
     251.74                       31868.29                       32000                      8.75                  ALBUQUERQUE                                                     NM                          87120                         1                      2                        8/1/2006                      7/1/2021                     6/15/2006                        2/1/2007
     328.52                       38517.25                       38650                     9.625                  NEW PORT RICHEY                                                 FL                          34673                         1                      2                        8/1/2006                      7/1/2021                      6/9/2006                        2/1/2007
    1034.34                      129478.37                      130000                     8.875                  SNOHOMISH                                                       WA                          98296                         1                      2                        8/1/2006                      7/1/2021                      6/8/2006                        2/1/2007
     341.85                       40929.33                       41100                     9.375                  CLARKSVILLE                                                     TN                          37043                         1                      2                        7/1/2006                      6/1/2036                     5/24/2006                        2/1/2007
     739.71                       75974.89                       76160                     11.25                  NAPLES                                                          FL                          34120                         1                      2                        8/1/2006                      7/1/2036                      6/6/2006                        2/1/2007
     134.98                       13469.74                       13500                    11.625                  SAUK VILLAGE                                                    IL                          60411                         1                      2                        8/1/2006                      7/1/2021                      6/6/2006                        2/1/2007
     127.69                       16701.93                       16800                     8.375                  JACKSON                                                         GA                          30233                         1                      2                        7/1/2006                      6/1/2021                      6/6/2006                        2/1/2007
     142.48                       14218.05                       14250                    11.625                  RICHTON PARK                                                    IL                          60471                         1                      2                        8/1/2006                      7/1/2021                      6/6/2006                        2/1/2007
     208.11                       24641.25                       24750                       9.5                  PINELLAS PARK                                                   FL                          33781                         1                      2                        8/1/2006                      7/1/2021                     6/12/2006                        2/1/2007
     230.53                       21541.22                       21600                      12.5                  SPRINGVILLE                                                     UT                          84663                         1                      2                        7/1/2006                      6/1/2021                      6/1/2006                        2/1/2007
     496.62                          55823                       56000                    10.125                  GILBERT                                                         AZ                          85297                         1                      2                        8/1/2006                      7/1/2021                     6/19/2006                        2/1/2007
     548.99                       68723.18                       69000                     8.875                  SUMNER                                                          WA                          98390                         1                      2                        8/1/2006                      7/1/2021                     6/12/2006                        2/1/2007
     577.07                       59850.15                       60000                    11.125                  LYNN                                                            MA                           1904                         1                      2                        8/1/2006                      7/1/2036                     6/20/2006                        2/1/2007
     364.42                       35028.76                       35100                    12.125                  ATHENS                                                          GA                          30606                         1                      2                        8/1/2006                      7/1/2021                     6/19/2006                        2/1/2007
     233.57                        32794.7                       33000                     7.625                  GLENDALE                                                        AZ                          85308                         1                      2                        8/1/2006                      7/1/2036                     6/23/2006                        2/1/2007
     375.18                       40487.14                       40600                    10.625                  MIDDLEBURG                                                      FL                          32068                         1                      2                        8/1/2006                      7/1/2036                     6/20/2006                        2/1/2007
     568.01                       75859.31                       76500                     8.125                  PORT ST JOE                                                     FL                          32456                         1                      2                        8/1/2006                      7/1/2036                      6/6/2006                        2/1/2007
      396.1                       46439.88                       46600                     9.625                  MARIETTA                                                        GA                          30066                         1                      2                        8/1/2006                      7/1/2021                     6/16/2006                        2/1/2007
     268.84                       28722.05                       28800                     10.75                  SNELLVILLE                                                      GA                          30039                         1                      2                        8/1/2006                      7/1/2021                     6/21/2006                        2/1/2007
      246.5                       28900.35                       29000                     9.625                  OLIVER SPRINGS                                                  TN                          37840                         1                      2                        8/1/2006                      7/1/2036                      6/6/2006                        2/1/2007
     250.82                       32853.41                       33000                     8.375                  HUSTISFORD                                                      WI                          53034                         1                      2                        8/1/2006                      7/1/2021                      6/2/2006                        2/1/2007
     163.83                       17502.47                       17550                     10.75                  PUEBLO                                                          CO                          81005                         1                      2                        8/1/2006                      7/1/2036                      6/7/2006                        2/1/2007
     688.49                       80721.77                       81000                     9.625                  FALLING WATERS                                                  WV                          25419                         1                      2                        8/1/2006                      7/1/2021                      6/9/2006                        2/1/2007
     192.24                       16471.49                       16500                     13.75                  RIVERDALE                                                       UT                          84405                         1                      2                        7/1/2006                      6/1/2021                      6/2/2006                        2/1/2007
     122.89                       15733.28                       15800                     8.625                  ANCHORAGE                                                       AK                          99501                         1                      2                        8/1/2006                      7/1/2021                     6/19/2006                        2/1/2007
     730.53                       62599.29                       62700                     13.75                  WESLEY CHAPEL                                                   FL                          33543                         1                      2                        7/1/2006                      6/1/2036                     5/31/2006                        2/1/2007
     301.45                          36888                       37050                     9.125                  PUYALLUP                                                        WA                          98375                         1                      2                        7/1/2006                      6/1/2021                     5/31/2006                        2/1/2007
     302.68                       41050.38                       41250                         8                  NAPLES                                                          FL                          34110                         1                      2                        8/1/2006                      7/1/2036                     6/16/2006                        2/1/2007
     480.75                       57590.82                       57800                     9.375                  SYRACUSE                                                        UT                          84075                         1                      2                        8/1/2006                      7/1/2036                      6/6/2006                        2/1/2007
     149.82                       15995.47                       16050                     10.75                  BELLEVILLE                                                      IL                          62221                         1                      2                        8/1/2006                      7/1/2021                      6/8/2006                        2/1/2007
     431.09                        36903.2                       37000                     13.75                  WINDER                                                          GA                          30680                         1                      2                        8/1/2006                      7/1/2036                     6/12/2006                        2/1/2007
     826.08                       92483.53                       93150                    10.125                  COLORADO SPRINGS                                                CO                          80908                         1                      2                        7/1/2006                      6/1/2021                      6/2/2006                        2/1/2007
     264.29                       28393.01                       28600                    10.625                  DALLAS                                                          GA                          30157                         1                      2                        8/1/2006                      7/1/2021                      6/9/2006                        2/1/2007
     288.32                       31082.92                       31200                    10.625                  ALPHARETTA                                                      GA                          30022                         1                      2                        8/1/2006                      7/1/2021                      6/7/2006                        2/1/2007
     399.44                       45850.06                       46000                     9.875                  OLD ORCHARD BEACH                                               ME                           4064                         1                      2                        8/1/2006                      7/1/2036                     6/22/2006                        2/1/2007
     293.47                       28738.92                       28800                    11.875                  ALBANY                                                          OR                          97321                         1                      2                        8/1/2006                      7/1/2021                     6/12/2006                        2/1/2007
     246.54                       27713.52                       27800                    10.125                  MARIETTA                                                        GA                          30064                         1                      2                        8/1/2006                      7/1/2036                      6/2/2006                        2/1/2007
      256.7                       30088.42                       30200                     9.625                  SOUTHBRIDGE                                                     MA                           1550                         1                      2                        8/1/2006                      7/1/2021                     6/23/2006                        2/1/2007
     822.33                       74872.46                       75000                    12.875                  SMYRNA                                                          GA                          30082                         1                      2                        8/1/2006                      7/1/2021                      6/5/2006                        2/1/2007
     153.78                       18817.34                       18900                     9.125                  RUIDOSO                                                         NM                          88345                         1                      2                        7/1/2006                      6/1/2021                     5/31/2006                        2/1/2007
     199.44                       30561.55                       30750                      6.75                  PRESCOTT                                                        AZ                          86303                         1                      2                        8/1/2006                      7/1/2021                     6/16/2006                        2/1/2007
     324.62                       40636.32                       40800                     8.875                  VANCOUVER                                                       WA                          98662                         1                      2                        8/1/2006                      7/1/2021                     6/21/2006                        2/1/2007
     495.95                       64913.22                       65250                     8.375                  NARRAGANSETT                                                    RI                           2882                         1                      2                        7/1/2006                      6/1/2036                     5/25/2006                        2/1/2007
     308.75                       26463.03                       26500                     13.75                  LAS VEGAS                                                       NV                          89107                         1                      2                        8/1/2006                      7/1/2036                     6/16/2006                        2/1/2007
     614.45                       78665.86                       79000                     8.625                  AURORA                                                          CO                          80013                         1                      2                        8/1/2006                      7/1/2036                     6/16/2006                        2/1/2007
     477.39                       59759.23                       60000                     8.875                  CHICAGO                                                         IL                          60634                         1                      2                        8/1/2006                      7/1/2036                      6/9/2006                        2/1/2007
     134.35                       15096.34                       15150                    10.125                  LITHONIA                                                        GA                          30058                         1                      2                        8/1/2006                      7/1/2021                     6/12/2006                        2/1/2007
     497.24                       58269.44                       58500                     9.625                  CHICAGO                                                         IL                          60645                         1                      2                        7/1/2006                      6/1/2036                      6/2/2006                        2/1/2007
     260.32                       30198.62                       30300                      9.75                  TUCSON                                                          AZ                          85706                         1                      2                        8/1/2006                      7/1/2036                     6/21/2006                        2/1/2007
     253.02                       31672.37                       31800                     8.875                  JACKSONVILLE                                                    FL                          32219                         1                      2                        8/1/2006                      7/1/2021                      6/9/2006                        2/1/2007
     487.56                       47302.19                       47400                        12                  LOGANVILLE                                                      GA                          30052                         1                      2                        8/1/2006                      7/1/2036                     6/15/2006                        2/1/2007
     278.48                        34845.4                       35000                     8.875                  JOHNSTON                                                        RI                           2919                         1                      2                        8/1/2006                      7/1/2021                     6/23/2006                        2/1/2007
     209.78                        25405.3                       25500                      9.25                  GOODYEAR                                                        AZ                          85338                         1                      2                        8/1/2006                      7/1/2036                      6/9/2006                        2/1/2007
     577.68                       70729.41                       71000                     9.125                  NORTH LAS VEGAS                                                 NV                          89031                         1                      2                        8/1/2006                      7/1/2021                     6/16/2006                        2/1/2007
     200.67                       24663.09                       25800                     8.625                  SALT LAKE CITY                                                  UT                          84119                         1                      2                        8/1/2006                      7/1/2021                     6/14/2006                        2/1/2007
     292.65                       32897.96                       33000                    10.125                  ALBUQUERQUE                                                     NM                          87114                         1                      2                        8/1/2006                      7/1/2021                     6/21/2006                        2/1/2007
     297.79                        36460.5                       36600                     9.125                  SANDY                                                           UT                          84070                         2                      2                        8/1/2006                      7/1/2021                      6/6/2006                        2/1/2007
      586.5                       69504.05                       69750                       9.5                  LA MIRADA                                                       CA                          90638                         1                      2                        8/1/2006                      7/1/2036                     6/21/2006                        2/1/2007
     438.14                       53643.92                       53850                     9.125                  CUMMING                                                         GA                          30041                         1                      2                        8/1/2006                      7/1/2036                     6/21/2006                        2/1/2007
     377.65                       38439.05                       38800                    10.125                  RICHMOND HILL                                                   GA                          31324                         1                      2                        8/1/2006                      7/1/2026                     6/19/2006                        2/1/2007
     170.34                       21807.49                       21900                     8.625                  SALT LAKE CITY                                                  UT                          84118                         1                      2                        8/1/2006                      7/1/2036                     6/12/2006                        2/1/2007
         85                        9960.56                       10000                     9.625                  LA SALLE                                                        CO                          80645                         1                      2                        7/1/2006                      6/1/2021                      6/6/2006                        2/1/2007
     148.89                       18230.29                       18300                     9.125                  NASHVILLE                                                       TN                          37210                         1                      2                        8/1/2006                      7/1/2021                      6/2/2006                        2/1/2007
     524.89                       56642.05                       56800                    10.625                  LAS VEGAS                                                       NV                          89134                         1                      2                        8/1/2006                      7/1/2021                     6/14/2006                        2/1/2007
     689.17                       66861.71                       67000                        12                  INDIO                                                           CA                          92201                         1                      2                        8/1/2006                      7/1/2036                     6/21/2006                        2/1/2007
     558.45                       64782.49                       65000                      9.75                  ELLINGTON                                                       CT                           6029                         1                      2                        8/1/2006                      7/1/2036                     6/23/2006                        2/1/2007
      312.8                       37068.81                       37200                       9.5                  LAS VEGAS                                                       NV                          89128                         1                      2                        8/1/2006                      7/1/2036                     6/13/2006                        2/1/2007
     530.55                       68701.11                       69000                       8.5                  WAKE FOREST                                                     NC                          27612                         1                      2                        8/1/2006                      7/1/2036                      6/5/2006                        2/1/2007
     307.59                       26184.56                       26400                     13.75                  SNELLVILLE                                                      GA                          30039                         1                      2                        8/1/2006                      7/1/2036                     6/16/2006                        2/1/2007
     518.48                        44428.3                       44500                     13.75                  MARICOPA                                                        AZ                          85239                         1                      2                        8/1/2006                      7/1/2036                     6/19/2006                        2/1/2007
     449.37                       51581.31                       51750                     9.875                  LAWRENCEVILLE                                                   GA                          30045                         1                      2                        8/1/2006                      7/1/2036                     6/22/2006                        2/1/2007
     267.82                       30085.27                       30200                    10.125                  ONSET                                                           MA                           2558                         1                      2                        8/1/2006                      7/1/2021                     6/23/2006                        2/1/2007
     377.73                       43358.21                       43500                     9.875                  DECATUR                                                         GA                          30035                         1                      2                        8/1/2006                      7/1/2036                     6/21/2006                        2/1/2007
     787.28                       79316.98                       79500                      11.5                  BOWIE                                                           MD                          20721                         1                      2                        8/1/2006                      7/1/2021                     6/16/2006                        2/1/2007
     366.13                       44827.66                       45000                     9.125                  MADISON                                                         MS                          39110                         1                      2                        8/1/2006                      7/1/2036                     6/27/2006                        2/1/2007
     360.03                       44049.56                       44250                     9.125                  MADISON                                                         MS                          39110                         1                      2                        8/1/2006                      7/1/2036                     6/27/2006                        2/1/2007
     232.44                       19921.15                       19950                     13.75                  WOODSTOCK                                                       GA                          30189                         1                      2                        8/1/2006                      7/1/2036                     6/28/2006                        2/1/2007
     231.73                       23346.11                       23400                      11.5                  FORT MYERS                                                      FL                          33912                         1                      2                        8/1/2006                      7/1/2036                     6/19/2006                        2/1/2007
     131.88                       15298.62                       15350                      9.75                  MCDONOUGH                                                       GA                          30253                         1                      2                        8/1/2006                      7/1/2021                     6/20/2006                        2/1/2007
     393.23                       33702.83                       33750                     13.75                  PHOENIX                                                         AZ                          85020                         1                      2                        8/1/2006                      7/1/2036                     6/16/2006                        2/1/2007
     371.49                        40088.2                       40200                    10.625                  RICHMOND                                                        VA                          23227                         1                      2                        8/1/2006                      7/1/2036                     6/13/2006                        2/1/2007
     239.48                       24837.83                       24900                    11.125                  MACON                                                           GA                          31210                         1                      2                        8/1/2006                      7/1/2036                     6/22/2006                        2/1/2007
     552.49                       64776.73                       65000                     9.625                  PHOENIX                                                         AZ                          85022                         1                      2                        8/1/2006                      7/1/2036                     6/19/2006                        2/1/2007
     164.18                          21504                       21600                     8.375                  FORT MYERS                                                      FL                          33912                         1                      2                        8/1/2006                      7/1/2021                     6/20/2006                        2/1/2007
     313.66                       38403.05                       38550                     9.125                  CENTENNIAL                                                      CO                          80015                         1                      2                        8/1/2006                      7/1/2021                     6/12/2006                        2/1/2007
     563.91                       48278.22                       48400                     13.75                  SAINT AUGUSTINE                                                 FL                          32092                         1                      2                        8/1/2006                      7/1/2036                      6/9/2006                        2/1/2007
     382.07                       44788.92                       44950                     9.625                  TAMPA                                                           FL                          33614                         1                      2                        8/1/2006                      7/1/2021                     6/23/2006                        2/1/2007
     658.74                       77233.78                       77500                     9.625                  MCDONOUGH                                                       GA                          30253                         1                      2                        8/1/2006                      7/1/2036                     6/23/2006                        2/1/2007
     429.44                       44486.09                       44650                    11.125                  ST GEORGE                                                       UT                          84770                         1                      2                        8/1/2006                      7/1/2021                     6/16/2006                        2/1/2007
     244.51                       22460.64                       22500                     12.75                  ALBUQUERQUE                                                     NM                          87112                         1                      2                        8/1/2006                      7/1/2021                     6/19/2006                        2/1/2007
     204.44                       22286.21                       22350                      10.5                  PHOENIX                                                         AZ                          85048                         1                      2                        8/1/2006                      7/1/2021                     6/26/2006                        2/1/2007
     230.36                        26164.7                       26250                        10                  BROCKTON                                                        MA                           2301                         1                      2                        8/1/2006                      7/1/2021                     6/22/2006                        2/1/2007
      424.1                       36349.16                       36400                     13.75                  HARRISBURG                                                      PA                          17111                         1                      2                        8/1/2006                      7/1/2036                     6/12/2006                        2/1/2007
     273.07                       29467.84                       29550                    10.625                  CONYERS                                                         GA                          30094                         1                      2                        8/1/2006                      7/1/2021                      6/9/2006                        2/1/2007
     247.66                       26725.46                       26800                    10.625                  ALBUQUERQUE                                                     NM                          87121                         1                      2                        8/1/2006                      7/1/2021                     6/20/2006                        2/1/2007
      399.5                       46838.51                       47000                     9.625                  MACON                                                           GA                          31211                         1                      2                        8/1/2006                      7/1/2036                     6/26/2006                        2/1/2007
     220.89                       26709.02                       26850                      9.25                  SNELLVILLE                                                      GA                          30039                         1                      2                        8/1/2006                      7/1/2036                     6/20/2006                        2/1/2007
     825.89                        75867.1                       76000                     12.75                  FORT WASHINGTON                                                 MD                          20744                         1                      2                        8/1/2006                      7/1/2021                     6/20/2006                        2/1/2007
     267.75                       31391.78                       31500                     9.625                  ST GEORGE                                                       UT                          84770                         1                      2                        8/1/2006                      7/1/2021                      6/9/2006                        2/1/2007
      289.1                       31988.42                       32600                    10.125                  AURORA                                                          CO                          80011                         1                      2                        8/1/2006                      7/1/2021                     6/23/2006                        2/1/2007
     461.17                       47830.28                       47950                    11.125                  BUCKEYE                                                         AZ                          85396                         1                      2                        8/1/2006                      7/1/2021                     6/27/2006                        2/1/2007
     398.47                       34152.23                       34200                     13.75                  AVONDALE                                                        AZ                          85323                         1                      2                        8/1/2006                      7/1/2036                     6/15/2006                        2/1/2007
     106.25                       12456.27                       12500                     9.625                  LAWRENCEVILLE                                                   GA                          30045                         1                      2                        8/1/2006                      7/1/2021                     6/15/2006                        2/1/2007
     220.39                       27588.87                       27700                     8.875                  CHICAGO                                                         IL                          60612                         1                      2                        8/1/2006                      7/1/2021                     6/16/2006                        2/1/2007
     381.64                       43806.73                       43950                     9.875                  WILSON                                                          WY                          83014                         1                      2                        8/1/2006                      7/1/2021                     6/23/2006                        2/1/2007
     321.29                       36879.38                       37000                     9.875                  FORT MYERS                                                      FL                          33919                         1                      2                        8/1/2006                      7/1/2036                     6/15/2006                        2/1/2007
     748.84                       87612.94                       88100                     9.625                  PARKER                                                          CO                          80134                         1                      2                        8/1/2006                      7/1/2021                     6/28/2006                        2/1/2007
     374.68                       45874.49                       46050                     9.125                  KIRKLAND                                                        WA                          98034                         1                      2                        8/1/2006                      7/1/2036                     6/21/2006                        2/1/2007
     369.79                       50346.98                       51000                     7.875                  LAS VEGAS                                                       NV                          89118                         1                      2                        8/1/2006                      7/1/2021                     6/21/2006                        2/1/2007
      924.1                       99252.19                      100000                    10.625                  KLAMATH FALLS                                                   OR                          97601                         1                      2                        8/1/2006                      7/1/2036                     6/20/2006                        2/1/2007
     685.67                        71815.3                       72000                        11                  PITTSBURG                                                       CA                          94565                         1                      2                        8/1/2006                      7/1/2036                     6/16/2006                        2/1/2007
      135.6                       12573.33                       12800                      9.75                  KENNESAW                                                        GA                          30144                         1                      2                        8/1/2006                      7/1/2021                     6/14/2006                        2/1/2007
     265.49                        23960.3                       24000                        13                  COLUMBUS                                                        GA                          31907                         1                      2                        8/1/2006                      7/1/2036                     6/12/2006                        2/1/2007
     716.88                       79759.08                       80000                     10.25                  GILBERT                                                         AZ                          85297                         1                      2                        8/1/2006                      7/1/2021                     6/26/2006                        2/1/2007
      424.1                       36349.16                       36400                     13.75                  WINDER                                                          GA                          30680                         1                      2                        8/1/2006                      7/1/2021                     6/15/2006                        2/1/2007
     189.22                       22623.67                       22750                     9.375                  LISLE                                                           IL                          60532                         1                      2                        8/1/2006                      7/1/2021                     6/23/2006                        2/1/2007
      267.3                       35831.77                       36000                     8.125                  LONG BEACH                                                      CA                          90815                         1                      2                        8/1/2006                      7/1/2021                     6/26/2006                        2/1/2007
     233.75                       27380.08                       27500                     9.625                  SALT LAKE CITY                                                  UT                          84118                         1                      2                        8/1/2006                      7/1/2036                     6/19/2006                        2/1/2007
     127.25                       14157.21                       14200                     10.25                  DELTA                                                           CO                          81416                         1                      2                        8/1/2006                      7/1/2036                     6/26/2006                        2/1/2007
     230.43                       20266.93                       23400                       8.5                  LAS VEGAS                                                       NV                          89118                         1                      2                        8/1/2006                      7/1/2021                     6/26/2006                        2/1/2007
     612.41                       64770.78                       64950                    10.875                  WOODBRIDGE                                                      VA                          22193                         1                      2                        8/1/2006                      7/1/2021                     6/23/2006                        2/1/2007
      367.2                       43051.57                       43200                     9.625                  KAYSVILLE                                                       UT                          84037                         1                      2                        8/1/2006                      7/1/2036                     6/15/2006                        2/1/2007
     498.31                        57805.9                       58000                      9.75                  CAPE CORAL                                                      FL                          33993                         1                      2                        8/1/2006                      7/1/2021                     6/26/2006                        2/1/2007
     189.15                       24493.45                       24600                       8.5                  SAN ANTONIO                                                     TX                          78232                         1                      2                        8/1/2006                      7/1/2021                     6/16/2006                        2/1/2007
      262.4                       32122.77                       32250                     9.125                  CANTON                                                          GA                          30114                         1                      2                        8/1/2006                      7/1/2036                     6/21/2006                        2/1/2007
     454.06                        53809.6                       54000                       9.5                  CARSON                                                          CA                          90745                         1                      2                        8/1/2006                      7/1/2036                     6/26/2006                        2/1/2007
     280.21                        24016.4                       24050                     13.75                  SALT LAKE CITY                                                  UT                          84116                         1                      2                        8/1/2006                      7/1/2021                     6/26/2006                        2/1/2007
     243.95                       28189.53                       28700                     9.625                  ATHENS                                                          GA                          30607                         1                      2                        8/1/2006                      7/1/2036                     6/22/2006                        2/1/2007
     607.59                       65567.21                       65750                    10.625                  LAKE STEVENS                                                    WA                          98258                         1                      2                        8/1/2006                      7/1/2036                     6/20/2006                        2/1/2007
     289.99                       32598.86                       32700                    10.125                  ATLANTA                                                         GA                          30331                         1                      2                        8/1/2006                      7/1/2036                     6/27/2006                        2/1/2007
      348.5                       40859.13                       41000                     9.625                  OREM                                                            UT                          84057                         1                      2                        8/1/2006                      7/1/2036                     6/23/2006                        2/1/2007
     175.84                       22011.31                       22100                     8.875                  WINDSOR LOCKS                                                   CT                           6096                         1                      2                        8/1/2006                      7/1/2021                     6/27/2006                        2/1/2007
     464.09                        54388.7                       54600                     9.625                  AMERICAN FORK                                                   UT                          84003                         1                      2                        8/1/2006                      7/1/2021                     6/16/2006                        2/1/2007
     157.34                       19917.66                       20000                      8.75                  SYRACUSE                                                        UT                          84075                         1                      2                        8/1/2006                      7/1/2036                     6/23/2006                        2/1/2007
     140.04                       16245.47                       16300                      9.75                  ORLANDO                                                         FL                          32835                         1                      2                        8/1/2006                      7/1/2036                     6/22/2006                        2/1/2007
     320.27                       32893.72                       33300                    11.125                  SEVERANCE                                                       CO                          80550                         1                      2                        8/1/2006                      7/1/2036                     6/26/2006                        2/1/2007
     382.36                       37144.92                       37200                     11.99                  BOONE                                                           IL                          61065                         1                      2                       10/1/2006                      9/1/2021                     8/31/2006                        2/1/2007
     869.48                       87656.98                       87800                      11.5                  COOK                                                            IL                          60630                         2                      2                       10/1/2006                      9/1/2021                      8/8/2006                        2/1/2007
     893.33                       88335.42                       88500                     11.75                  STAFFORD                                                        VA                          22554                         1                      2                        9/1/2006                      8/1/2021                      8/4/2006                        2/1/2007
     253.16                       25041.33                       25080                     11.75                  LINCOLN                                                         MO                          63379                         1                      2                       10/1/2006                      9/1/2021                     8/14/2006                        2/1/2007
     228.84                        27429.5                       27500                      9.38                  SMITH                                                           TN                          38547                         1                      2                       10/1/2006                      9/1/2021                     8/23/2006                        2/1/2007
     306.41                       32141.38                       32200                     10.99                  TRAVIS                                                          TX                          78747                         1                      2                       10/1/2006                      9/1/2021                      8/7/2006                        2/1/2007
     816.72                       79283.81                       79400                        12                  NEW HAVEN                                                       CT                           6483                         1                      2                       10/1/2006                      9/1/2021                      8/9/2006                        2/1/2007
    1484.45                      155477.97                      156000                     10.99                  SAN BENITO                                                      CA                          95023                         1                      2                        9/1/2006                      8/1/2021                     7/28/2006                        2/1/2007
    1418.05                      145748.84                      146000                     11.25                  WESTCHESTER                                                     NY                          10606                         2                      2                       10/1/2006                      9/1/2021                      8/3/2006                        2/1/2007
     673.25                       69876.27                       70000                    11.125                  SAN PATRICIO                                                    TX                          78374                         1                      2                       10/1/2006                      9/1/2021                     8/23/2006                        2/1/2007
     714.51                       66630.86                       67000                      11.5                  CUMBERLAND                                                      ME                           4062                         1                      2                       10/1/2006                      9/1/2026                     8/25/2006                        2/1/2007
     272.91                       28621.53                       28680                     10.99                  HAMILTON                                                        OH                          45212                         2                      2                       9/14/2006                     8/14/2021                     8/11/2006                        2/1/2007
     646.87                        66485.4                       66600                     11.25                  BARNSTABLE                                                      MA                           2601                         1                      2                       10/1/2006                      9/1/2021                     8/10/2006                        2/1/2007
     476.45                       47127.18                       47200                     11.75                  PALM BEACH                                                      FL                          33417                         1                      2                       10/1/2006                      9/1/2021                     8/10/2006                        2/1/2007
     171.84                       19952.53                       20000                      9.75                  HAYS                                                            TX                          78610                         1                      2                       10/1/2006                      9/1/2021                     8/30/2006                        2/1/2007
     376.85                       38733.26                       38800                     11.25                  VOLUSIA                                                         FL                          32168                         1                      2                       10/1/2006                      9/1/2021                     8/18/2006                        2/1/2007
     474.43                       46912.56                       47000                     11.75                  ORANGE                                                          FL                          32703                         1                      2                        9/1/2006                      8/1/2021                      8/2/2006                        2/1/2007
     238.37                       26531.58                       26600                     10.25                  COOK                                                            IL                          60426                         1                      2                        9/1/2006                      8/1/2021                      8/3/2006                        2/1/2007
    1332.43                       131796.4                      132000                     11.75                  QUEENS                                                          NY                          11378                         2                      2                       10/1/2006                      9/1/2021                     8/24/2006                        2/1/2007
     856.42                       89836.19                       90000                     10.99                  PRINCE GEORGES                                                  MD                          20740                         1                      2                       10/1/2006                      9/1/2021                     8/17/2006                        2/1/2007
     164.58                          19676                       19900                      9.31                  RUTHERFORD                                                      TN                          37086                         1                      2                       10/1/2006                      9/1/2021                     8/10/2006                        2/1/2007
     354.27                       37132.43                       37200                        11                  WOODWARD                                                        OK                          73801                         1                      2                       10/1/2006                      9/1/2021                      8/9/2006                        2/1/2007
      621.8                       61504.99                       61600                     11.75                  BROWARD                                                         FL                          33027                         1                      2                       10/1/2006                      9/1/2021                     8/18/2006                        2/1/2007
     305.52                       32048.58                       32107                     10.99                  MONTGOMERY                                                      TX                          77386                         1                      2                       10/1/2006                      9/1/2021                     8/31/2006                        2/1/2007
     902.42                        89262.1                       89400                     11.75                  MIDDLESEX                                                       NJ                           8902                         1                      2                       9/14/2006                     8/14/2021                     8/15/2006                        2/1/2007
     368.39                       37138.77                       37200                      11.5                  MILWAUKEE                                                       WI                          53224                         2                      2                       10/1/2006                      9/1/2021                      8/7/2006                        2/1/2007
     1029.6                      101842.69                      102000                     11.75                  QUEENS                                                          NY                          11420                         1                      2                       10/1/2006                      9/1/2021                     8/18/2006                        2/1/2007
     752.73                       83580.39                       84000                     10.25                  ORANGE                                                          CA                          92694                         1                      2                       10/1/2006                      9/1/2021                     8/19/2006                        2/1/2007
     604.37                       52557.02                       52800                     13.49                  SEMINOLE                                                        FL                          32714                         1                      2                       10/1/2006                      9/1/2021                     8/10/2006                        2/1/2007
     417.91                          42035                       42200                      11.5                  OZAUKEE                                                         WI                          53074                         1                      2                       10/1/2006                      9/1/2021                     8/15/2006                        2/1/2007
     238.79                       26504.35                       26647                     10.25                  MONTGOMERY                                                      TX                          77378                         1                      2                       10/1/2006                      9/1/2021                     8/31/2006                        2/1/2007
     307.87                       32916.75                       32980                     10.75                  LARIMER                                                         CO                          80525                         1                      2                       10/1/2006                      9/1/2021                     8/23/2006                        2/1/2007
     788.39                       87792.35                       87980                     10.25                  MARION                                                          FL                          34488                         1                      2                       10/1/2006                      9/1/2021                      8/3/2006                        2/1/2007
     496.63                       49119.03                       49200                     11.75                  MARICOPA                                                        AZ                          85040                         1                      2                       10/1/2006                      9/1/2021                      8/4/2006                        2/1/2007
     337.47                       28467.83                       28500                     13.99                  HARTFORD                                                        CT                           6019                         1                      2                        9/1/2006                      8/1/2021                      8/3/2006                        2/1/2007
    1617.67                      169690.62                      170000                     10.99                  SAN DIEGO                                                       CA                          92116                         1                      2                       10/1/2006                      9/1/2021                      8/6/2006                        2/1/2007
     612.15                       71081.06                       71250                      9.75                  PALM BEACH                                                      FL                          33498                         1                      2                       10/1/2006                      9/1/2021                     8/31/2006                        2/1/2007
     595.43                       73794.79                       74000                         9                  SACRAMENTO                                                      CA                          95841                         1                      2                       10/1/2006                      9/1/2021                     8/26/2006                        2/1/2007
     1009.4                        99839.7                       99999                     11.75                  KINGS                                                           NY                          11208                         2                      2                       10/1/2006                      9/1/2021                     8/30/2006                        2/1/2007
     915.59                        79906.3                       79990                     13.49                  CALVERT                                                         MD                          20678                         1                      2                       10/1/2006                      9/1/2021                     8/31/2006                        2/1/2007
     369.44                       31170.83                       31200                     13.99                  KENT                                                            MI                          49512                         1                      2                       10/1/2006                      9/1/2021                     8/31/2006                        2/1/2007
     947.84                       93755.19                       93900                     11.75                  SAN DIEGO                                                       CA                          92131                         1                      2                       10/1/2006                      9/1/2021                     8/17/2006                        2/1/2007
    2474.08                      259321.29                      260000                     10.99                  CLACKAMAS                                                       OR                          97034                         1                      2                        8/1/2006                      7/1/2021                     6/23/2006                        2/1/2007
    3243.21                      326966.53                      327500                      11.5                  ORANGE                                                          CA                          92869                         1                      2                       10/1/2006                      9/1/2021                     8/27/2006                        2/1/2007
     196.04                        20959.7                       21000                     10.75                  STEUBEN                                                         NY                          14830                         1                      2                       10/1/2006                      9/1/2021                     8/25/2006                        2/1/2007
     255.95                       27918.36                       27980                      10.5                  RAMSEY                                                          MN                          55106                         1                      2                       10/1/2006                      9/1/2021                     8/31/2006                        2/1/2007
     849.68                        85660.2                       85800                      11.5                  HONOLULU                                                        HI                          96706                         1                      2                       10/1/2006                      9/1/2021                     8/24/2006                        2/1/2007
     589.65                       60604.54                       60709                     11.25                  IMPERIAL                                                        CA                          92251                         1                      2                       10/1/2006                      9/1/2021                     8/31/2006                        2/1/2007
    1631.64                      152157.05                      153000                      11.5                  CHARLESTON                                                      SC                          29451                         1                      2                       10/1/2006                      9/1/2026                      8/4/2006                        2/1/2007
     484.52                       47924.98                       48000                     11.75                  BRAZORIA                                                        TX                          77581                         1                      2                       10/1/2006                      9/1/2021                     8/10/2006                        2/1/2007
     275.56                       30684.37                       30750                     10.25                  ULSTER                                                          NY                          12477                         2                      2                       10/1/2006                      9/1/2021                     8/24/2006                        2/1/2007
    1301.11                      121840.24                      122000                     12.49                  RIVERSIDE                                                       CA                          92555                         1                      2                       10/1/2006                      9/1/2021                     8/30/2006                        2/1/2007
     1333.8                      137084.68                      137326                     11.25                  SAN DIEGO                                                       CA                          91913                         1                      2                       10/1/2006                      9/1/2021                     8/23/2006                        2/1/2007
     206.11                       22950.91                       23000                     10.25                  BALDWIN                                                         AL                          36535                         1                      2                       10/1/2006                      9/1/2021                      8/9/2006                        2/1/2007
     892.62                      101523.49                      101800                      9.99                  HUMBOLDT                                                        CA                          95503                         1                      2                        9/1/2006                      8/1/2021                      8/1/2006                        2/1/2007
    1786.66                      176635.06                      177000                     11.75                  HONOLULU                                                        HI                          96734                         1                      2                       10/1/2006                      9/1/2021                     8/22/2006                        2/1/2007
     171.26                        19070.2                       19111                     10.25                  HARRIS                                                          TX                          77066                         1                      2                       10/1/2006                      9/1/2021                     8/15/2006                        2/1/2007
     347.24                       34346.93                       34400                     11.75                  HENRY                                                           GA                          30252                         1                      2                       10/1/2006                      9/1/2021                     8/24/2006                        2/1/2007
      322.6                        35923.2                       36000                     10.25                  KANE                                                            IL                          60542                         1                      2                       10/1/2006                      9/1/2021                     8/31/2006                        2/1/2007
     241.95                        26942.4                       27000                     10.25                  DENVER                                                          CO                          80207                         1                      2                       10/1/2006                      9/1/2021                     8/24/2006                        2/1/2007
     340.34                       37898.99                       37980                     10.25                  FULTON                                                          GA                          30305                         1                      2                       10/1/2006                      9/1/2021                     8/26/2006                        2/1/2007
     194.26                       19965.56                       20000                     11.25                  BOYD                                                            KY                          41102                         1                      2                       10/1/2006                      9/1/2021                     8/18/2006                        2/1/2007
      507.2                       56427.52                       56600                     10.25                  MIAMI-DADE                                                      FL                          33176                         1                      2                       10/1/2006                      9/1/2021                     8/11/2006                        2/1/2007
     241.95                       26865.99                       27000                     10.25                  WOODFORD                                                        IL                          61548                         1                      2                       10/1/2006                      9/1/2021                     8/15/2006                        2/1/2007
     275.96                        28941.1                       29000                     10.99                  CROOK                                                           OR                          97754                         1                      2                       10/1/2006                      9/1/2021                     8/14/2006                        2/1/2007
     325.72                       29447.14                       29600                     11.99                  HARRIS                                                          TX                          77007                         1                      2                       10/1/2006                      9/1/2026                     8/14/2006                        2/1/2007
     490.99                       45121.06                       45182                     12.75                  FLAGLER                                                         FL                          32164                         1                      2                       10/1/2006                      9/1/2021                     8/28/2006                        2/1/2007
    1046.54                      109779.82                      109980                     10.99                  SAN DIEGO                                                       CA                          91913                         1                      2                       10/1/2006                      9/1/2021                     8/25/2006                        2/1/2007
     240.16                       26437.65                       26800                     10.25                  BOSSIER                                                         LA                          71037                         1                      2                       10/1/2006                      9/1/2021                     8/11/2006                        2/1/2007
    1796.84                      184671.48                      185000                     11.25                  MONTEREY                                                        CA                          93955                         1                      2                       10/1/2006                      9/1/2021                     8/24/2006                        2/1/2007
     387.01                       35949.93                       36000                      12.6                  COOK                                                            IL                          60629                         1                      2                       10/1/2006                      9/1/2021                     8/18/2006                        2/1/2007
     171.84                        19942.8                       20000                      9.75                  VOLUSIA                                                         FL                          32168                         2                      2                        9/1/2006                      8/1/2021                      8/1/2006                        2/1/2007
     425.27                       48390.65                       48500                      9.99                  PIERCE                                                          WA                          98373                         1                      2                       10/1/2006                      9/1/2021                      8/4/2006                        2/1/2007
     295.72                       32920.84                       33000                     10.25                  MULTNOMAH                                                       OR                          97206                         1                      2                       10/1/2006                      9/1/2021                     8/11/2006                        2/1/2007
      553.3                       64224.62                       64400                      9.75                  PLTYMOUTH                                                       MA                           2360                         1                      2                       10/1/2006                      9/1/2021                     8/17/2006                        2/1/2007
     460.51                       53449.31                       53600                      9.75                  LAKE                                                            IL                          60089                         1                      2                       10/1/2006                      9/1/2021                     8/18/2006                        2/1/2007
     369.44                       42898.03                       43000                      9.75                  CHESTERFIELD                                                    VA                          23831                         1                      2                       10/1/2006                      9/1/2021                     8/31/2006                        2/1/2007
    1227.04                      107087.84                      107200                     13.49                  WORCESTER                                                       MA                           1524                         1                      2                       10/1/2006                      9/1/2021                     8/30/2006                        2/1/2007
     251.83                       24464.12                       24500                     11.99                  CLARK                                                           NV                          89142                         1                      2                       10/1/2006                      9/1/2021                     8/12/2006                        2/1/2007
     247.33                        27530.2                       27600                     10.25                  WAKE                                                            NC                          27604                         1                      2                       10/1/2006                      9/1/2021                     8/16/2006                        2/1/2007
    2933.21                      301480.55                      302000                     11.25                  LOS ANGELES                                                     CA                          90036                         2                      2                       10/1/2006                      9/1/2021                     8/30/2006                        2/1/2007
      524.9                       51919.78                       52000                     11.75                  PALM BEACH                                                      FL                          33444                         1                      2                       10/1/2006                      9/1/2021                     8/29/2006                        2/1/2007
     401.93                       45696.99                       45800                        10                  COOK                                                            IL                          60629                         1                      2                       10/1/2006                      9/1/2021                      8/2/2006                        2/1/2007
     173.67                       19948.69                       20000                     9.875                  HILLSBOROUGH                                                    FL                          33511                         1                      2                       10/1/2006                      9/1/2021                      8/3/2006                        2/1/2007
     590.63                          51546                       51600                     13.49                  HILLSBOROUGH                                                    FL                          33614                         1                      2                       10/1/2006                      9/1/2021                     8/18/2006                        2/1/2007
     164.54                       19945.47                       20000                      9.25                  COBB                                                            GA                          30068                         1                      2                       10/1/2006                      9/1/2021                     8/25/2006                        2/1/2007
     710.24                       80817.41                       81000                      9.99                  LOS ANGELES                                                     CA                          91766                         1                      2                       10/1/2006                      9/1/2021                     8/17/2006                        2/1/2007
     205.57                       19970.74                       20000                     11.99                  CHITTENDEN                                                      VT                           5401                         2                      2                       10/1/2006                      9/1/2021                     8/28/2006                        2/1/2007
     339.67                       34244.13                       34300                      11.5                  DENVER                                                          CO                          80239                         1                      2                       10/1/2006                      9/1/2021                     8/22/2006                        2/1/2007
      347.1                       40304.21                       40400                      9.75                  MULTNOMAH                                                       OR                          97060                         1                      2                       10/1/2006                      9/1/2021                     8/14/2006                        2/1/2007
     255.39                       28439.21                       28500                     10.25                  COOK                                                            IL                          60623                         2                      2                       10/1/2006                      9/1/2021                     8/14/2006                        2/1/2007
     501.35                       43752.16                       43800                     13.49                  HILLSBOROUGH                                                    FL                          33647                         1                      2                       10/1/2006                      9/1/2021                     8/23/2006                        2/1/2007
     791.38                       78254.18                       78400                     11.75                  SUFFOLK                                                         MA                           2151                         1                      2                        9/1/2006                      8/1/2021                      8/4/2006                        2/1/2007
     560.17                       65013.72                       65200                      9.75                  KING                                                            WA                          98118                         1                      2                        9/1/2006                      8/1/2021                     7/27/2006                        2/1/2007
     415.84                       43620.46                       43700                     10.99                  WASHINGTON                                                      VT                           5641                         1                      2                       10/1/2006                      9/1/2021                     8/16/2006                        2/1/2007
     667.76                       72852.39                       73000                      10.5                  BROWARD                                                         FL                          33019                         1                      2                       10/1/2006                      9/1/2021                     8/31/2006                        2/1/2007
     322.04                       35495.68                       35580                    10.371                  GOODHUE                                                         MN                          55066                         1                      2                       10/1/2006                      9/1/2021                     8/25/2006                        2/1/2007
     176.99                       21161.81                       21400                      9.31                  RUTHERFORD                                                      TN                          37086                         1                      2                       10/1/2006                      9/1/2021                     8/10/2006                        2/1/2007
     292.91                       34917.72                       35200                      9.38                  WILLIAMSON                                                      TN                          37064                         1                      2                       10/1/2006                      9/1/2021                     8/24/2006                        2/1/2007
     931.38                       97622.37                       97800                        11                  BROWARD                                                         FL                          33029                         1                      2                       10/1/2006                      9/1/2021                     8/16/2006                        2/1/2007
     578.21                       59428.55                       59531                     11.25                  PASCO                                                           FL                          33544                         1                      2                       10/1/2006                      9/1/2021                     8/11/2006                        2/1/2007
     190.87                       21244.43                       21300                     10.25                  DAVIS                                                           UT                          84015                         1                      2                       10/1/2006                      9/1/2021                     8/25/2006                        2/1/2007
     782.34                       78860.97                       79000                      11.5                  PRINCE GEORGES                                                  MD                          20737                         1                      2                       10/1/2006                      9/1/2021                     8/29/2006                        2/1/2007
     279.06                       31724.51                       31798                        10                  MIAMI-DADE                                                      FL                          33033                         1                      2                       10/1/2006                      9/1/2021                     8/11/2006                        2/1/2007
     526.53                       45872.34                       46000                     13.49                  PORTSMOUTH CITY                                                 VA                          23707                         1                      2                       10/1/2006                      9/1/2021                      8/7/2006                        2/1/2007
     577.24                       49938.59                       50000                    13.615                  MARION                                                          OR                          97303                         1                      2                        9/1/2006                      8/1/2021                      8/3/2006                        2/1/2007
     202.12                        21201.3                       21240                     10.99                  WILLIAMSON                                                      TX                          78641                         1                      2                       10/1/2006                      9/1/2021                     8/17/2006                        2/1/2007
     342.84                        35934.6                       36000                        11                  PINELLES                                                        FL                          33711                         1                      2                       10/1/2006                      9/1/2021                      8/4/2006                        2/1/2007
      471.4                       46627.95                       46700                     11.75                  COOK                                                            IL                          60805                         1                      2                       10/1/2006                      9/1/2021                     8/21/2006                        2/1/2007
    1098.85                       95899.52                       96000                     13.49                  SUFFOLK                                                         NY                          11757                         1                      2                       10/1/2006                      9/1/2021                     8/10/2006                        2/1/2007
     381.56                        37736.6                       37800                     11.75                  DUVAL                                                           FL                          32244                         1                      2                       10/1/2006                      9/1/2021                     8/30/2006                        2/1/2007
     384.22                       35947.83                       36000                      12.5                  MARICOPA                                                        AZ                          85029                         1                      2                       10/1/2006                      9/1/2021                     8/25/2006                        2/1/2007
     407.15                       41846.86                       41919                     11.25                  MECKLENBURG                                                     NC                          28262                         1                      2                       10/1/2006                      9/1/2021                     8/25/2006                        2/1/2007
     537.47                        55284.5                       55380                     11.24                  KENT                                                            DE                          19938                         1                      2                       10/1/2006                      9/1/2021                     8/28/2006                        2/1/2007
     201.81                       23940.01                       24000                       9.5                  BERNALILLO                                                      NM                          87112                         1                      2                       10/1/2006                      9/1/2021                     8/30/2006                        2/1/2007
     773.98                       82840.48                       83000                    10.737                  ANOKA                                                           MN                          55304                         1                      2                       10/1/2006                      9/1/2021                     8/25/2006                        2/1/2007
     198.05                       19788.52                       20000                    11.499                  INGHAM                                                          MI                          48910                         2                      2                        9/1/2006                      8/1/2021                     7/21/2006                        2/1/2007
     795.29                       72942.42                       73000                    12.999                  HAMDEN                                                          CT                           6517                         3                      2                        3/1/2006                      2/1/2021                      2/7/2006                        2/1/2007
      677.8                       69911.84                       70000                      11.5                  MENIFEE                                                         CA                          92584                         1                      2                        3/1/2006                      2/1/2021                     1/11/2006                        2/1/2007
     154.53                       13899.94                       13970                    12.999                  PINE KNOT                                                       KY                          42635                         1                      2                        3/1/2006                      2/1/2021                     1/17/2006                        2/1/2007
     458.05                       47454.92                       47800                    11.375                  PALMDALE                                                        CA                          93591                         1                      2                        3/1/2006                      2/1/2021                     1/24/2006                        2/1/2007
     471.41                       37780.72                       37880                     14.75                  DELRAY BEACH                                                    FL                          33445                         1                      2                        3/1/2006                      2/1/2021                      2/9/2006                        2/1/2007
     586.04                          58000                       58000                    12.125                  WILLINGBORO                                                     NJ                           8046                         1                      2                       3/28/2006                     2/28/2026                     3/10/2006                        2/1/2007
     406.64                       53012.72                       53500                     8.375                  MINEOLA                                                         NY                            501                         1                      2                        1/1/2006                     12/1/2020                     2/14/2006                        2/1/2007
      350.5                       30073.93                       30600                      13.5                  CHARLESTON                                                      SC                          29414                         1                      2                       2/27/2006                     1/27/2021                     2/16/2006                        2/1/2007
     478.13                          45900                       45900                      12.5                  LEHMAN TOWNSHIP                                                 PA                          18324                         1                      2                       3/28/2006                     2/28/2026                      3/8/2006                        2/1/2007
    2189.16                      206067.79                      207000                    12.375                  RANCHO CUCAMONGA                                                CA                          91701                         1                      2                        3/1/2006                      2/1/2021                     2/16/2006                        2/1/2007
     392.04                       43384.91                       43750                     10.25                  YORKVILLE                                                       IL                          60560                         1                      2                        4/1/2006                      3/1/2036                     3/10/2006                        2/1/2007
     606.68                        48384.2                       48750                     14.75                  PLANTATION                                                      FL                          33317                         1                      2                        3/1/2006                      2/1/2036                      1/4/2006                        2/1/2007
     772.73                       72462.73                       74000                       9.5                  CENTENNIAL                                                      CO                          80111                         1                      2                        7/1/2006                      6/1/2021                     5/23/2006                        2/1/2007
     183.18                       23977.18                       24100                     8.375                  SAINT LOUIS                                                     MO                          63108                         1                      2                        7/1/2006                      6/1/2036                     5/26/2006                        2/1/2007
      331.5                       38865.99                       39000                     9.625                  HENDERSON                                                       NV                          89015                         1                      2                        8/1/2006                      7/1/2021                      6/9/2006                        2/1/2007
     307.52                       27478.92                       27800                        13                  ORLANDO                                                         FL                          32818                         1                      2                        8/1/2006                      7/1/2036                      6/2/2006                        2/1/2007
     291.28                       24965.07                       25000                     13.75                  MEDIA                                                           PA                          19063                         1                      2                        8/1/2006                      7/1/2021                     6/20/2006                        2/1/2007
      500.2                        51374.8                       51500                     11.25                  LUTZ                                                            FL                          33558                         1                      2                        8/1/2006                      7/1/2036                      6/2/2006                        2/1/2007
     376.24                       49280.04                       49500                     8.375                  DONNELLY                                                        ID                          83615                         1                      2                        8/1/2006                      7/1/2021                     6/20/2006                        2/1/2007
     968.42                       70801.08                       70950                     16.25                  LAS VEGAS                                                       NV                          89102                         1                      2                        9/1/2006                      8/1/2021                     7/26/2006                        2/1/2007
     736.02                       67628.97                       67730                     12.75                  SANGER                                                          CA                          93657                         1                      2                        9/1/2006                      8/1/2036                      7/7/2006                        2/1/2007
     289.95                       28944.59                       29000                    11.625                  ATLANTA                                                         GA                          30315                         1                      2                        9/1/2006                      8/1/2036                     7/31/2006                        2/1/2007
     292.13                       28366.99                       28400                        12                  ROY                                                             UT                          84067                         1                      2                       11/1/2006                     10/1/2036                     9/19/2006                        2/1/2007
     316.21                       29852.06                       29900                    12.375                  LOS ANGELES                                                     CA                          90003                         1                      2                       11/1/2006                     10/1/2036                     9/13/2006                        2/1/2007
     280.21                       28788.53                       28850                     11.25                  WESTMINSTER                                                     CO                          80021                         1                      2                       11/1/2006                     10/1/2036                     9/14/2006                        2/1/2007
     446.88                       64030.77                       64040                     8.375                  SHERWOOD                                                        OR                          97140                         1                      2                       11/1/2006                     10/1/2036                     9/15/2006                        2/1/2007
     602.44                          71400                       71400                    10.125                  LAS VEGAS                                                       NV                          89123                         1                      2                       11/1/2006                     10/1/2036                     8/30/2006                        2/1/2007
     773.52                       75112.62                       75200                        12                  TRUCKEE                                                         CA                          96161                         1                      2                       11/1/2006                     10/1/2036                      9/7/2006                        2/1/2007
     526.74                       56884.04                       57000                    10.625                  MESA                                                            AZ                          85202                         1                      2                       11/1/2006                     10/1/2036                      9/6/2006                        2/1/2007
     356.75                       38937.18                       39000                      10.5                  BAKERSFIELD                                                     CA                          93304                         1                      2                       11/1/2006                     10/1/2036                      9/6/2006                        2/1/2007
     318.65                          26600                       26600                    14.375                  ATLANTA                                                         GA                          30314                         1                      2                       11/1/2006                     10/1/2036                     9/15/2006                        2/1/2007
     428.38                       37368.96                       37400                      13.5                  WILBRAHAM                                                       MA                           1095                         1                      2                       11/1/2006                     10/1/2036                     9/18/2006                        2/1/2007
     418.14                       37764.88                       37800                        13                  LITTLE EGG HARBOR TOWNSHI                                       NJ                           8087                         1                      2                       11/1/2006                     10/1/2036                     9/19/2006                        2/1/2007
     254.61                       31669.05                       32000                     8.875                  JANESVILLE                                                      WI                          53546                         1                      2                       11/1/2006                     10/1/2036                     9/20/2006                        2/1/2007
     256.09                          22350                       22350                     13.75                  HAMMOND                                                         IN                          46327                         4                      2                       11/1/2006                     10/1/2021                     9/22/2006                        2/1/2007
     684.46                        54965.7                       55000                     14.75                  GALLOWAY TOWNSHIP                                               NJ                           8205                         1                      2                       11/1/2006                     10/1/2036                      9/8/2006                        2/1/2007
     589.18                       50958.84                       51000                    13.625                  WINTER GARDEN                                                   FL                          34787                         1                      2                       11/1/2006                     10/1/2021                     9/12/2006                        2/1/2007
     806.85                       75521.38                       75600                      12.5                  STANTON                                                         CA                          90680                         1                      2                       11/1/2006                     10/1/2036                      9/8/2006                        2/1/2007
     429.58                       49905.54                       50000                      9.75                  SUGAR LAND                                                      TX                          77478                         1                      2                       11/1/2006                     10/1/2036                     9/13/2006                        2/1/2007
     375.78                       34545.98                       34580                     12.75                  APEX                                                            NC                          27539                         1                      2                       11/1/2006                     10/1/2036                     9/22/2006                        2/1/2007
     541.88                          61200                       61200                    10.625                  RIVERSIDE                                                       CA                          92504                         1                      2                       11/1/2006                     10/1/2036                      9/7/2006                        2/1/2007
     286.73                       20691.42                       20700                      16.5                  VISALIA                                                         CA                          93291                         1                      2                       11/1/2006                     10/1/2021                     9/15/2006                        2/1/2007
     455.53                       45917.58                       46000                      11.5                  VALLEJO                                                         CA                          94590                         3                      2                       11/1/2006                     10/1/2036                      9/8/2006                        2/1/2007
     290.88                       20991.28                       21000                      16.5                  VISALIA                                                         CA                          93291                         1                      2                       11/1/2006                     10/1/2021                     9/14/2006                        2/1/2007
     527.05                       48452.29                       48500                     12.75                  PROVO                                                           UT                          84606                         3                      2                       11/1/2006                     10/1/2036                     9/13/2006                        2/1/2007
     279.96                       27964.65                       28000                    11.625                  LATHROP                                                         MO                          64465                         1                      2                       11/1/2006                     10/1/2036                     9/13/2006                        2/1/2007
     442.86                       50906.16                       51000                     9.875                  MESA                                                            AZ                          85203                         1                      2                       11/1/2006                     10/1/2036                     9/20/2006                        2/1/2007
     112.69                       14961.35                       15000                      8.25                  FORT WAYNE                                                      IN                          46804                         1                      2                       11/1/2006                     10/1/2036                     9/22/2006                        2/1/2007
      180.3                       23877.36                       23999                      8.25                  CEDAR CITY                                                      UT                          84720                         1                      2                       11/1/2006                     10/1/2021                     9/13/2006                        2/1/2007
     211.46                       24565.97                       24613                      9.75                  HOUSTON                                                         TX                          77053                         1                      2                       11/1/2006                     10/1/2036                     9/19/2006                        2/1/2007
    1421.88                         150000                      150000                    11.375                  HUNTINGTON BEACH                                                CA                          92647                         4                      2                       11/1/2006                     10/1/2021                     9/20/2006                        2/1/2007
      381.6                       43441.84                       43520                      9.99                  COTTAGE GROVE                                                   MN                          55016                         1                      2                       11/1/2006                     10/1/2036                     9/15/2006                        2/1/2007
     995.95                      109818.02                      110000                    10.375                  LOS ANGELES                                                     CA                          90041                         1                      2                       11/1/2006                     10/1/2021                      9/7/2006                        2/1/2007
     256.33                       35676.99                       35779                      7.75                  PLEASANT GROVE                                                  UT                          84062                         1                      2                       11/1/2006                     10/1/2036                     9/21/2006                        2/1/2007
     410.85                       36149.12                       36180                    13.375                  ANTIOCH                                                         TN                          37013                         1                      2                       11/1/2006                     10/1/2036                     9/13/2006                        2/1/2007
    1821.92                      149898.01                      150000                    14.375                  GOODYEAR                                                        AZ                          85338                         1                      2                       11/1/2006                     10/1/2021                     9/11/2006                        2/1/2007
      512.5                          60000                       60000                     10.25                  LANCASTER                                                       CA                          93535                         1                      2                       11/1/2006                     10/1/2036                     9/11/2006                        2/1/2007
      585.3                       65884.86                       66000                    10.125                  COLORADO SPRINGS                                                CO                          80908                         1                      2                       11/1/2006                     10/1/2036                     9/18/2006                        2/1/2007
     115.13                       13374.67                       13400                      9.75                  HOUSTON                                                         TX                          77086                         1                      2                       11/1/2006                     10/1/2036                     9/11/2006                        2/1/2007
     455.22                       50713.69                       50800                     10.25                  DELTONA                                                         FL                          32738                         1                      2                       11/1/2006                     10/1/2021                     9/12/2006                        2/1/2007
     382.36                       41724.32                       41800                      10.5                  COLUMBIA HEIGHTS                                                MN                          55421                         1                      2                       11/1/2006                     10/1/2036                     9/25/2006                        2/1/2007
     411.92                       41944.03                       42000                    11.375                  RIALTO                                                          CA                          92377                         1                      2                       11/1/2006                     10/1/2021                     9/14/2006                        2/1/2007
     364.06                       38940.47                       39000                     10.75                  OREM                                                            UT                          84058                         1                      2                       11/1/2006                     10/1/2036                     9/14/2006                        2/1/2007
     495.73                       62139.77                       62306                     8.875                  TULARE                                                          CA                          93274                         1                      2                       11/1/2006                     10/1/2021                     9/13/2006                        2/1/2007
     184.72                       18277.54                       18300                     11.75                  CEDAR RAPIDS                                                    IA                          52404                         1                      2                       11/1/2006                     10/1/2036                     9/21/2006                        2/1/2007
        359                       29740.65                       29800                     14.25                  GOODLETTSVILLE                                                  TN                          37072                         1                      2                       11/1/2006                     10/1/2036                     9/18/2006                        2/1/2007
     438.74                       46352.33                       47000                     10.75                  VIRGINIA BEACH                                                  VA                          23453                         1                      2                       11/1/2006                     10/1/2021                     9/15/2006                        2/1/2007
     356.45                       34893.36                       34980                    11.875                  DES MOINES                                                      IA                          50317                         1                      2                       11/1/2006                     10/1/2021                     9/18/2006                        2/1/2007
     177.14                       20362.48                       20400                     9.875                  HUNTINGTON                                                      IN                          46750                         1                      2                       11/1/2006                     10/1/2036                     9/22/2006                        2/1/2007
     493.36                       47930.52                       48000                     11.99                  DES MOINES                                                      IA                          50310                         1                      2                       11/1/2006                     10/1/2036                     9/19/2006                        2/1/2007
     199.72                       19575.59                       19600                    11.875                  DES MOINES                                                      IA                          50315                         1                      2                       11/1/2006                     10/1/2036                     9/20/2006                        2/1/2007
     550.82                        59880.8                       59985                    10.547                  HUGO                                                            MN                          55038                         4                      2                       11/1/2006                     10/1/2036                     9/22/2006                        2/1/2007
     623.78                       66026.24                       66156                    10.875                  STANSBURY PARK                                                  UT                          84074                         1                      2                       11/1/2006                     10/1/2036                     9/21/2006                        2/1/2007
      161.8                       16950.64                       16990                        11                  HOUSTON                                                         TX                          77084                         1                      2                       10/1/2006                      9/1/2036                     7/26/2006                        2/1/2007
     508.81                       41522.51                       41550                      14.5                  FORT WORTH                                                      TX                          76123                         1                      2                       11/1/2006                     10/1/2036                     7/25/2006                        2/1/2007
     348.64                       27775.15                       27792                    14.875                  FORT WORTH                                                      TX                          76131                         1                      2                       11/1/2006                     10/1/2036                     8/23/2006                        2/1/2007
     438.04                       45018.49                       45100                     11.25                  KINGWOOD                                                        TX                          77345                         1                      2                       10/1/2006                      9/1/2021                     7/18/2006                        2/1/2007
     237.05                        18586.6                       18600                    15.125                  SAN ANTONIO                                                     TX                          78250                         1                      2                       10/1/2006                      9/1/2021                     8/16/2006                        2/1/2007
     274.95                       23377.29                       23400                    13.875                  SPRING                                                          TX                          77379                         1                      2                       10/1/2006                      9/1/2021                     5/16/2006                        2/1/2007
     414.66                        37441.2                       37485                        13                  SPRING                                                          TX                          77373                         1                      2                       10/1/2006                      9/1/2021                     7/27/2006                        2/1/2007
      744.7                       74933.38                       75200                      11.5                  DULUTH                                                          GA                          30097                         1                      2                       11/1/2006                     10/1/2021                      5/1/2006                        2/1/2007
     516.77                       50165.65                       50239                        12                  CYPRESS                                                         TX                          77433                         1                      2                       10/1/2006                      9/1/2021                     7/18/2006                        2/1/2007
     383.03                       49660.14                       49814                       8.5                  RICHMOND                                                        TX                          77469                         1                      2                       10/1/2006                      9/1/2021                     8/22/2006                        2/1/2007
     276.44                       31429.13                       31500                        10                  FORT WORTH                                                      TX                          76131                         1                      2                       10/1/2006                      9/1/2036                     7/19/2006                        2/1/2007
      287.4                        37691.8                       37811                     8.375                  LEAGUE CITY                                                     TX                          77573                         1                      2                       10/1/2006                      9/1/2021                     8/11/2006                        2/1/2007
     555.06                       70349.04                       70555                      8.75                  THE WOODLANDS                                                   TX                          77382                         1                      2                       10/1/2006                      9/1/2021                     8/30/2006                        2/1/2007
     252.26                       29925.03                       30000                       9.5                  NEW BRAUNFELS                                                   TX                          78130                         1                      2                       10/1/2006                      9/1/2036                     8/15/2006                        2/1/2007
        452                       61195.34                       61600                         8                  OLIVEHURST                                                      CA                          95961                         1                      2                       10/1/2006                      9/1/2036                     7/31/2006                        2/1/2007
     366.95                       44978.11                       45100                     9.125                  PRESCOTT VALLEY                                                 AZ                          86314                         1                      2                       10/1/2006                      9/1/2021                     8/11/2006                        2/1/2007
     452.44                       39458.76                       39500                      13.5                  EPHRATA                                                         WA                          98823                         1                      2                       10/1/2006                      9/1/2036                     7/13/2006                        2/1/2007
     199.11                       18970.96                       19000                     12.25                  MOSES LAKE                                                      WA                          98837                         1                      2                       10/1/2006                      9/1/2036                      8/1/2006                        2/1/2007
     397.37                        42915.3                       43000                    10.625                  PORTLAND                                                        OR                          97239                         1                      2                       10/1/2006                      9/1/2036                     7/12/2006                        2/1/2007
     774.81                        78827.5                       79000                    11.375                  SISTERS                                                         OR                          97759                         1                      2                       10/1/2006                      9/1/2021                     7/12/2006                        2/1/2007
     316.22                       29859.79                       29900                    12.375                  FOREST RANCH                                                    CA                          95942                         1                      2                       10/1/2006                      9/1/2021                      8/3/2006                        2/1/2007
    1063.83                      106231.37                      106400                    11.625                  MORENO VALLEY                                                   CA                          92555                         1                      2                       10/1/2006                      9/1/2021                      3/9/2006                        2/1/2007
     906.11                       84789.05                       84900                      12.5                  PERRIS                                                          CA                          92571                         1                      2                       10/1/2006                      9/1/2021                     4/20/2006                        2/1/2007
     554.96                       80931.64                       81350                      7.25                  SAN DIEGO                                                       CA                          92103                         1                      2                       10/1/2006                      9/1/2021                     7/12/2006                        2/1/2007
     827.13                       77398.73                       77500                      12.5                  SAN JACINTO                                                     CA                          92583                         1                      2                       10/1/2006                      9/1/2021                     7/18/2006                        2/1/2007
     815.27                       73613.88                       73700                        13                  RANCHO SAN DIEGO                                                CA                          92019                         1                      2                       10/1/2006                      9/1/2021                      8/3/2006                        2/1/2007
      515.1                        47341.4                       47400                     12.75                  SAN DIEGO                                                       CA                          92139                         1                      2                       10/1/2006                      9/1/2021                      8/3/2006                        2/1/2007
     890.74                      100718.02                      101500                        10                  SAN DIEGO                                                       CA                          92102                         1                      2                       10/1/2006                      9/1/2021                      8/4/2006                        2/1/2007
     187.58                       17855.92                       17900                     12.25                  RIVERSIDE                                                       CA                          92507                         1                      2                       10/1/2006                      9/1/2021                     7/17/2006                        2/1/2007
    1036.14                       94386.43                       94500                    12.875                  PALMDALE                                                        CA                          93551                         1                      2                       10/1/2006                      9/1/2036                      8/3/2006                        2/1/2007
      310.8                       30463.14                       30500                    11.875                  PALMDALE                                                        CA                          93591                         1                      2                       11/1/2006                     10/1/2036                     8/21/2006                        2/1/2007
     282.55                       25967.83                       26000                     12.75                  HESPERIA                                                        CA                          92345                         1                      2                       10/1/2006                      9/1/2036                     8/10/2006                        2/1/2007
     227.17                       25295.89                       25350                     10.25                  THE WOODLANDS                                                   TX                          77381                         1                      2                       10/1/2006                      9/1/2036                     8/11/2006                        2/1/2007
     495.35                       43921.76                       44000                     13.25                  LAS VEGAS                                                       NV                          89107                         1                      2                       10/1/2006                      9/1/2021                      7/5/2006                        2/1/2007
      290.3                       24477.14                       24500                        14                  LAS VEGAS                                                       NV                          89145                         1                      2                       10/1/2006                      9/1/2021                     7/10/2006                        2/1/2007
     418.65                       36511.84                       36550                      13.5                  LAS VEGAS                                                       NV                          89145                         1                      2                       10/1/2006                      9/1/2021                     7/16/2006                        2/1/2007
     394.48                       38293.99                       38350                        12                  LAS VEGAS                                                       NV                          89145                         1                      2                       10/1/2006                      9/1/2036                     7/31/2006                        2/1/2007
     486.81                       36178.73                       36200                        16                  LAS VEGAS                                                       NV                          89145                         1                      2                       10/1/2006                      9/1/2036                     7/31/2006                        2/1/2007
     631.54                       53250.32                       53300                        14                  LAS VEGAS                                                       NV                          89142                         1                      2                       10/1/2006                      9/1/2036                      8/1/2006                        2/1/2007
    1247.37                      124558.23                      124756                    11.625                  MURRIETA                                                        CA                          92563                         1                      2                       10/1/2006                      9/1/2036                     1/30/2006                        2/1/2007
     643.17                       58074.05                       58142                        13                  WINCHESTER                                                      CA                          92596                         1                      2                       10/1/2006                      9/1/2021                     7/12/2006                        2/1/2007
     954.11                       86914.44                       87019                    12.875                  WINCHESTER                                                      CA                          92596                         1                      2                       10/1/2006                      9/1/2021                     7/20/2006                        2/1/2007
    1315.97                      118757.48                      118963                        13                  TEMECULA                                                        CA                          92591                         1                      2                       10/1/2006                      9/1/2021                     8/10/2006                        2/1/2007
     598.88                       76766.39                       76997                     8.625                  PERRIS                                                          CA                          92571                         1                      2                       10/1/2006                      9/1/2021                     8/23/2006                        2/1/2007
      953.2                        86064.5                       86168                        13                  PERRIS                                                          CA                          92571                         1                      2                       10/1/2006                      9/1/2021                     8/25/2006                        2/1/2007
     775.66                       96132.73                       96400                         9                  PALMDALE                                                        CA                          93552                         1                      2                       10/1/2006                      9/1/2021                      7/6/2006                        2/1/2007
     970.09                       95057.17                       95200                    11.875                  PALMDALE                                                        CA                          93552                         1                      2                       10/1/2006                      9/1/2021                     7/14/2006                        2/1/2007
    1036.14                       94386.43                       94500                    12.875                  PALMDALE                                                        CA                          93552                         1                      2                       10/1/2006                      9/1/2021                     7/15/2006                        2/1/2007
     430.45                       53924.38                       54100                     8.875                  LANCASTER                                                       CA                          93536                         1                      2                       10/1/2006                      9/1/2021                     7/21/2006                        2/1/2007
    1946.22                      238553.73                      239200                     9.125                  OXNARD                                                          CA                          93035                         1                      2                       10/1/2006                      9/1/2021                     7/25/2006                        2/1/2007
      823.2                       97655.37                       97900                       9.5                  FREMONT                                                         CA                          94538                         1                      2                       10/1/2006                      9/1/2036                     7/31/2006                        2/1/2007
     202.73                       21459.84                       21500                    10.875                  ODESSA                                                          FL                          33556                         1                      2                       10/1/2006                      9/1/2021                      8/3/2006                        2/1/2007
     607.35                        69051.3                       69207                        10                  PLANO                                                           TX                          75024                         1                      2                       10/1/2006                      9/1/2021                      8/2/2006                        2/1/2007
     266.76                       24690.83                       25001                     9.875                  SAVOY                                                           TX                          75479                         1                      2                       10/1/2006                      9/1/2021                      8/3/2006                        2/1/2007
     503.33                       45446.79                       45500                        13                  WILLIAMS                                                        AZ                          86046                         1                      2                       10/1/2006                      9/1/2036                      8/8/2006                        2/1/2007
     380.55                       41098.89                       41180                    10.625                  SURPRISE                                                        AZ                          85374                         1                      2                       10/1/2006                      9/1/2021                     7/14/2006                        2/1/2007
     619.58                       48971.14                       49000                        15                  GLENDALE                                                        AZ                          85304                         1                      2                       11/1/2006                     10/1/2036                      9/8/2006                        2/1/2007
     285.55                        26963.7                       27000                    12.375                  JEFFERSON                                                       TX                          75657                         1                      2                       10/1/2006                      9/1/2036                     7/27/2006                        2/1/2007
     440.93                       46215.77                       46300                        11                  YUBA CITY                                                       CA                          95993                         1                      2                       10/1/2006                      9/1/2021                      4/5/2006                        2/1/2007
     572.06                       53529.92                       53600                      12.5                  BRAWLEY                                                         CA                          92227                         1                      2                       10/1/2006                      9/1/2036                      8/2/2006                        2/1/2007
     419.14                       44831.44                       44900                     10.75                  CALEXICO                                                        CA                          92231                         1                      2                       11/1/2006                     10/1/2036                     8/22/2006                        2/1/2007
     139.84                       10411.26                       10500                        14                  CORPUS CHRISTI                                                  TX                          78409                         1                      2                       10/1/2006                      9/1/2021                     7/27/2006                        2/1/2007
     535.07                       48741.32                       48800                    12.875                  SACRAMENTO                                                      CA                          95841                         1                      2                       10/1/2006                      9/1/2021                     7/21/2006                        2/1/2007
     657.85                       62189.72                       62998                       9.5                  HUMBLE                                                          TX                          77396                         1                      2                       10/1/2006                      9/1/2021                     8/16/2006                        2/1/2007
     940.38                       81317.39                       81400                    13.625                  AURORA                                                          CO                          80013                         1                      2                       10/1/2006                      9/1/2021                     8/16/2006                        2/1/2007
     776.59                       67729.23                       67800                      13.5                  THORNTON                                                        CO                          80602                         1                      2                       10/1/2006                      9/1/2021                     8/25/2006                        2/1/2007
     315.31                       36612.99                       36700                      9.75                  HAINESVILLE                                                     IL                          60030                         1                      2                       10/1/2006                      9/1/2036                     7/13/2006                        2/1/2007
     343.49                       39885.21                       39980                      9.75                  ZION                                                            IL                          60099                         1                      2                       10/1/2006                      9/1/2036                     7/19/2006                        2/1/2007
      345.8                       32357.63                       32400                      12.5                  CARMEL                                                          IN                          46033                         1                      2                       10/1/2006                      9/1/2021                      8/3/2006                        2/1/2007
     255.68                       32405.13                       32500                      8.75                  O'FALLON                                                        IL                          62269                         1                      2                       10/1/2006                      9/1/2021                      8/9/2006                        2/1/2007
      474.1                       56853.79                       57000                     9.375                  NORTH HALEDON                                                   NJ                           7508                         1                      2                       10/1/2006                      9/1/2021                      6/6/2006                        2/1/2007
      313.3                       35573.57                       35700                        10                  HILLSBORO                                                       OR                          97123                         1                      2                       11/1/2006                     10/1/2036                     7/20/2006                        2/1/2007
     693.59                       77234.89                       77400                     10.25                  VANCOUVER                                                       WA                          98662                         1                      2                       10/1/2006                      9/1/2036                     8/11/2006                        2/1/2007
     428.64                       39749.39                       39800                    12.625                  MEDFORD                                                         OR                          97504                         1                      2                       10/1/2006                      9/1/2036                     7/12/2006                        2/1/2007
     542.82                       51728.41                       51800                     12.25                  MERIDIAN                                                        ID                          83646                         1                      2                       10/1/2006                      9/1/2021                     7/21/2006                        2/1/2007
     330.33                       29566.38                       29600                    13.125                  CALDWELL                                                        ID                          83607                         1                      2                       10/1/2006                      9/1/2021                     7/24/2006                        2/1/2007
     417.62                       40540.73                       40600                        12                  MERIDIAN                                                        ID                          83646                         1                      2                       10/1/2006                      9/1/2021                      8/8/2006                        2/1/2007
     389.45                       33964.45                       34000                      13.5                  MERIDIAN                                                        ID                          83646                         1                      2                       10/1/2006                      9/1/2036                      8/9/2006                        2/1/2007
     355.08                       34151.44                       34200                    12.125                  KUNA                                                            ID                          83634                         1                      2                       10/1/2006                      9/1/2021                     8/10/2006                        2/1/2007
    1523.16                      188696.68                      189300                         9                  MOUNTLAKE TERRACE                                               WA                          98043                         1                      2                       10/1/2006                      9/1/2036                     7/25/2006                        2/1/2007
     357.14                        30621.7                       30652                     13.75                  BUFORD                                                          GA                          30519                         1                      2                       10/1/2006                      9/1/2036                     7/22/2006                        2/1/2007
     275.14                       26959.45                       27000                    11.875                  BRIDGETOWN                                                      OH                          45211                         4                      2                       10/1/2006                      9/1/2036                     8/14/2006                        2/1/2007
     314.88                        30853.6                       30900                    11.875                  NEW BRAUNFELS                                                   TX                          78130                         1                      2                       10/1/2006                      9/1/2021                      8/9/2006                        2/1/2007
     615.48                       60308.83                       60400                    11.875                  UNIVERSITY CITY                                                 MO                          63130                         1                      2                       10/1/2006                      9/1/2036                     8/11/2006                        2/1/2007
     255.91                       20384.45                       20400                    14.875                  RAVENNA                                                         OH                          44266                         1                      2                       10/1/2006                      9/1/2036                     8/11/2006                        2/1/2007
    1224.56                       99916.88                      100000                      14.5                  MONTICELLO                                                      AR                          71655                         1                      2                       10/1/2006                      9/1/2036                     7/19/2006                        2/1/2007
     327.44                       29565.39                       29600                        13                  ATLANTA                                                         GA                          30324                         1                      2                       10/1/2006                      9/1/2036                     7/20/2006                        2/1/2007
     251.75                       31906.56                       32000                      8.75                  LOUISVILLE                                                      CO                          80027                         1                      2                       10/1/2006                      9/1/2036                     7/25/2006                        2/1/2007
     790.16                       61955.39                       62000                    15.125                  FORT PIERCE                                                     FL                          34951                         1                      2                       10/1/2006                      9/1/2036                     7/11/2006                        2/1/2007
     297.91                       23542.52                       23560                        15                  SAVANNAH                                                        GA                          31410                         1                      2                       10/1/2006                      9/1/2021                     6/28/2006                        2/1/2007
     235.87                        22071.1                       22100                      12.5                  EAST WENATCHEE                                                  WA                          98802                         1                      2                       10/1/2006                      9/1/2036                     8/24/2006                        2/1/2007
     437.07                       44909.54                       45000                     11.25                  TUCSON                                                          AZ                          85712                         1                      2                       10/1/2006                      9/1/2036                     7/14/2006                        2/1/2007
     530.98                        47943.9                       48000                        13                  LAS VEGAS                                                       NV                          89128                         1                      2                       10/1/2006                      9/1/2021                     7/20/2006                        2/1/2007
     191.03                       17870.77                       17899                      12.5                  THE WOODLANDS                                                   TX                          77382                         1                      2                        9/1/2006                      8/1/2021                     7/15/2006                        2/1/2007
    1693.52                      134897.07                      135000                    14.875                  SCOTTSDALE                                                      AZ                          85254                         1                      2                       10/1/2006                      9/1/2021                     7/26/2006                        2/1/2007
     786.46                       67433.38                       67500                     13.75                  PHOENIX                                                         AZ                          85044                         1                      2                       10/1/2006                      9/1/2021                     7/31/2006                        2/1/2007
      990.3                       99837.08                      100000                      11.5                  LAS VEGAS                                                       NV                          89086                         1                      2                       10/1/2006                      9/1/2021                      8/1/2006                        2/1/2007
      183.9                        19860.7                       19900                    10.625                  TUCSON                                                          AZ                          85741                         1                      2                       10/1/2006                      9/1/2036                     8/21/2006                        2/1/2007
     354.04                       43877.99                       44000                         9                  GLENDALE                                                        AZ                          85301                         1                      2                       10/1/2006                      9/1/2021                     8/25/2006                        2/1/2007
      192.6                       18861.58                       18900                    11.875                  AUSTIN                                                          TX                          78748                         1                      2                       10/1/2006                      9/1/2021                     8/21/2006                        2/1/2007
     745.86                       98959.07                       99280                      8.25                  HUNTINGDON VALLEY                                               PA                          19006                         1                      2                       10/1/2006                      9/1/2036                     7/28/2006                        2/1/2007
     407.11                        49354.7                       49485                      9.25                  WHITE BEAR LAKE                                                 MN                          55110                         1                      2                       10/1/2006                      9/1/2036                      8/1/2006                        2/1/2007
      321.4                       26875.62                       26900                    14.125                  ROCKY MOUNT                                                     NC                          27803                         1                      2                       10/1/2006                      9/1/2021                     8/11/2006                        2/1/2007
     838.68                       57974.63                       58000                     17.25                  BRECKENRIDGE                                                    CO                          80424                         1                      2                       10/1/2006                      9/1/2036                     7/27/2006                        2/1/2007
     164.47                       14981.95                       15000                    12.875                  WILMINGTON                                                      NC                          28412                         1                      2                       10/1/2006                      9/1/2021                      8/4/2006                        2/1/2007
    3069.77                      229798.86                      230000                    15.875                  NORTH TOPSAIL                                                   NC                          28460                         1                      2                       10/1/2006                      9/1/2036                     8/10/2006                        2/1/2007
     358.99                       34821.77                       34900                        12                  WILMINGTON                                                      NC                          28412                         1                      2                       10/1/2006                      9/1/2021                      8/7/2006                        2/1/2007
     329.96                        25087.2                       25100                    15.625                  COBURG                                                          OR                          97408                         1                      2                       11/1/2006                     10/1/2036                     8/15/2006                        2/1/2007
     235.88                       27682.41                       27750                     9.625                  LANSDOWNE                                                       PA                          19050                         1                      2                       10/1/2006                      9/1/2036                     8/25/2006                        2/1/2007
     524.67                       42458.87                       42500                    14.625                  NORTH MYRTLE BEACH                                              SC                          29582                         3                      2                       11/1/2006                     10/1/2036                     8/23/2006                        2/1/2007
     199.15                       15738.35                       15750                        15                  ZION                                                            IL                          60099                         1                      2                       10/1/2006                      9/1/2036                     7/24/2006                        2/1/2007
    2357.35                      214741.63                      215000                    12.875                  BOWIE                                                           MD                          20721                         1                      2                       10/1/2006                      9/1/2036                     8/25/2006                        2/1/2007
    2561.42                      239750.45                      240000                      12.5                  CHICAGO                                                         IL                          60653                         1                      2                       11/1/2006                     10/1/2021                     8/28/2006                        2/1/2007
      540.5                       45964.39                       46000                    13.875                  LAWRENCEVILLE                                                   GA                          30044                         1                      2                       11/1/2006                     10/1/2036                      9/6/2006                        2/1/2007
     195.66                       17364.72                       17380                     13.25                  OKLAHOMA CITY                                                   OK                          73159                         1                      2                       11/1/2006                     10/1/2021                     8/25/2006                        2/1/2007
     631.32                        64888.2                       65000                     11.25                  GARDEN GROVE                                                    CA                          92845                         1                      2                       10/1/2006                      9/1/2021                     6/23/2006                        2/1/2007
     1659.3                      149824.74                      150000                        13                  PALM DESERT                                                     CA                          92211                         1                      2                       10/1/2006                      9/1/2036                      7/6/2006                        2/1/2007
     361.57                       42892.55                       43000                       9.5                  SAVANNAH                                                        GA                          31404                         4                      2                       10/1/2006                      9/1/2021                     6/30/2006                        2/1/2007
     700.66                       61633.73                       61700                    13.375                  MERCED                                                          CA                          95340                         1                      2                       10/1/2006                      9/1/2036                     8/16/2006                        2/1/2007
     1724.7                      157110.97                      157300                    12.875                  AURORA                                                          CO                          80015                         1                      2                       10/1/2006                      9/1/2036                     5/12/2006                        2/1/2007
     546.58                        44961.5                       45000                    14.375                  SAVANNAH                                                        GA                          31401                         3                      2                       10/1/2006                      9/1/2021                      8/2/2006                        2/1/2007
     248.13                       24203.29                       24350                    11.875                  KANSAS CITY                                                     MO                          64155                         1                      2                       10/1/2006                      9/1/2036                     7/25/2006                        2/1/2007
    1455.22                      137415.13                      137600                    12.375                  NEW CASTLE                                                      CO                          81647                         1                      2                       10/1/2006                      9/1/2021                      8/3/2006                        2/1/2007
     485.85                       39965.78                       40000                    14.375                  SAVANNAH                                                        GA                          31401                         3                      2                       10/1/2006                      9/1/2021                      8/2/2006                        2/1/2007
     528.54                       41742.27                       41800                        15                  AURORA                                                          CO                          80015                         1                      2                       10/1/2006                      9/1/2036                     8/10/2006                        2/1/2007
     797.94                       75346.47                       75450                    12.375                  SPARTA                                                          MO                          65753                         1                      2                       10/1/2006                      9/1/2021                     8/11/2006                        2/1/2007
    4333.12                      339316.64                      340000                    15.125                  PARKER                                                          CO                          80134                         1                      2                       10/1/2006                      9/1/2036                     8/16/2006                        2/1/2007
     282.87                       29669.36                       30000                    10.875                  BROOKSVILLE                                                     FL                          34609                         1                      2                       10/1/2006                      9/1/2021                     6/29/2006                        2/1/2007
      171.6                       16965.04                       17000                     11.75                  OCALA                                                           FL                          34473                         1                      2                       10/1/2006                      9/1/2036                     7/24/2006                        2/1/2007
     192.47                       12595.65                       12600                     18.25                  PHILADELPHIA                                                    PA                          19135                         1                      2                       10/1/2006                      9/1/2021                      8/3/2006                        2/1/2007
     356.66                       34947.44                       35000                    11.875                  STONE MOUNTAIN                                                  GA                          30087                         1                      2                       10/1/2006                      9/1/2036                     7/18/2006                        2/1/2007
     170.12                       25168.48                       25250                     7.125                  CHARLOTTE                                                       NC                          28269                         1                      2                       11/1/2006                     10/1/2021                     8/31/2006                        2/1/2007
     562.63                        39445.7                       39464                        17                  ATLANTA                                                         GA                          30314                         1                      2                       10/1/2006                      9/1/2036                     7/26/2006                        2/1/2007
     429.01                       26992.21                       27000                        19                  ALBUQUERQUE                                                     NM                          87108                         2                      2                       10/1/2006                      9/1/2036                     7/27/2006                        2/1/2007
     683.72                       54896.59                       54940                     14.75                  ATLANTA                                                         GA                          30363                         1                      2                       10/1/2006                      9/1/2036                      8/3/2006                        2/1/2007
     373.66                       47896.08                       48040                     8.625                  GREEN COVE SPRINGS                                              FL                          32043                         1                      2                       10/1/2006                      9/1/2021                     8/10/2006                        2/1/2007
    1096.44                       99858.66                      100000                    12.875                  LEXINGTON                                                       SC                          29072                         1                      2                       10/1/2006                      9/1/2036                      8/4/2006                        2/1/2007
     281.67                        28950.1                       29000                     11.25                  FLORENCE                                                        SC                          29505                         1                      2                       10/1/2006                      9/1/2036                      8/4/2006                        2/1/2007
     328.29                        23508.7                       23700                      16.5                  FREDERICKTOWN                                                   OH                          43019                         1                      2                       10/1/2006                      9/1/2021                     8/14/2006                        2/1/2007
     645.02                       56036.91                       56800                    13.375                  PUNTA GORDA                                                     FL                          33983                         1                      2                       10/1/2006                      9/1/2036                     8/21/2006                        2/1/2007
     645.49                       47971.81                       48000                        16                  LITTLETON                                                       CO                          80127                         1                      2                       10/1/2006                      9/1/2036                     8/16/2006                        2/1/2007
    1677.35                      115949.31                      116000                     17.25                  KISSIMMEE                                                       FL                          34747                         1                      2                       10/1/2006                      9/1/2021                     7/28/2006                        2/1/2007
     231.03                       24656.78                       25000                    10.625                  CORAL SPRINGS                                                   FL                          33065                         1                      2                       11/1/2006                     10/1/2036                     8/14/2006                        2/1/2007
     460.88                       30987.96                       31000                     17.75                  ATLANTA                                                         GA                          30354                         1                      2                       10/1/2006                      9/1/2036                      8/9/2006                        2/1/2007
      493.4                       44945.91                       45000                    12.875                  FORT PIERCE                                                     FL                          34951                         1                      2                       10/1/2006                      9/1/2036                     8/16/2006                        2/1/2007
     386.39                       28084.89                       28100                    16.375                  DECATUR                                                         GA                          30032                         1                      2                       10/1/2006                      9/1/2036                     8/10/2006                        2/1/2007
     515.01                       42720.06                       42750                     14.25                  ATLANTA                                                         GA                          30310                         1                      2                       11/1/2006                     10/1/2021                     8/23/2006                        2/1/2007
     397.16                       25985.16                       26000                     18.25                  FOREST PARK                                                     GA                          30297                         1                      2                       10/1/2006                      9/1/2036                     8/16/2006                        2/1/2007
      355.4                       32958.07                       33000                    12.625                  HOUSTON                                                         TX                          77054                         1                      2                       10/1/2006                      9/1/2021                     8/11/2006                        2/1/2007
     220.46                       18283.89                       18300                     14.25                  SAN ANTONIO                                                     TX                          78250                         1                      2                       10/1/2006                      9/1/2036                     8/17/2006                        2/1/2007
     414.16                       35821.06                       35850                    13.625                  HOUSTON                                                         TX                          77003                         1                      2                       11/1/2006                     10/1/2021                     8/28/2006                        2/1/2007
     170.12                       19753.02                       19800                      9.75                  NEW ALBANY                                                      IN                          47150                         1                      2                       10/1/2006                      9/1/2036                     7/19/2006                        2/1/2007
     251.39                       22305.31                       22330                     13.25                  GOODYEAR                                                        AZ                          85338                         1                      2                       10/1/2006                      9/1/2021                      8/4/2006                        2/1/2007
     246.06                       31901.65                       32000                       8.5                  COPPER MOUNTAIN                                                 CO                          80443                         1                      2                       10/1/2006                      9/1/2036                     7/20/2006                        2/1/2007
     393.36                       49883.62                       50000                      8.75                  SAN JOSE                                                        CA                          95127                         1                      2                       11/1/2006                     10/1/2021                     8/17/2006                        2/1/2007
     145.84                       18705.24                       18750                     8.625                  HOUSTON                                                         TX                          77027                         1                      2                       11/1/2006                     10/1/2036                      9/5/2006                        2/1/2007
     289.67                       29212.02                       29250                      11.5                  HOUSTON                                                         TX                          77059                         1                      2                       11/1/2006                     10/1/2021                     8/23/2006                        2/1/2007
     272.36                       22665.23                       23000                     11.75                  PEARLAND                                                        TX                          77581                         1                      2                       10/1/2006                      9/1/2021                     8/24/2006                        2/1/2007
    1338.54                      127558.54                      127735                     12.25                  SHREVEPORT                                                      LA                          71106                         1                      2                       10/1/2006                      9/1/2036                     2/23/2006                        2/1/2007
      234.8                       21970.42                       22000                      12.5                  SHREVEPORT                                                      LA                          71109                         1                      2                       10/1/2006                      9/1/2036                     8/17/2006                        2/1/2007
     230.91                        21034.7                       21060                    12.875                  PORTLAND                                                        TX                          78374                         1                      2                       10/1/2006                      9/1/2021                     5/31/2006                        2/1/2007
     237.08                       18585.79                       18602                    15.125                  PORTLAND                                                        TX                          78374                         1                      2                        9/1/2006                      8/1/2021                     7/12/2006                        2/1/2007
     357.52                       28478.28                       28500                    14.875                  RIVERDALE                                                       GA                          30296                         1                      2                       10/1/2006                      9/1/2021                      7/5/2006                        2/1/2007
     465.33                       43940.89                       44000                    12.375                  LOGANVILLE                                                      GA                          30052                         1                      2                       10/1/2006                      9/1/2021                     8/17/2006                        2/1/2007
     415.92                        41931.6                       42000                      11.5                  MURRIETA                                                        CA                          92562                         1                      2                       10/1/2006                      9/1/2021                     8/29/2006                        2/1/2007
     943.49                      110618.69                      111000                     9.625                  SAN PABLO                                                       CA                          94806                         1                      2                        8/1/2006                      7/1/2021                      6/7/2006                        2/1/2007
    1130.54                      111862.51                      112000                     11.75                  SAN DIEGO                                                       CA                          92114                         1                      2                       11/1/2006                     10/1/2021                      9/1/2006                        2/1/2007
     310.39                       30712.04                       30750                     11.75                  WEED                                                            CA                          96094                         1                      2                       11/1/2006                     10/1/2021                     8/31/2006                        2/1/2007
     990.26                       94396.14                       94500                     12.25                  LANCASTER                                                       CA                          93536                         1                      2                       11/1/2006                     10/1/2021                     8/24/2006                        2/1/2007
      99.47                       11081.12                       11100                     10.25                  BUTTE                                                           MT                          59701                         1                      2                       11/1/2006                     10/1/2021                     8/31/2006                        2/1/2007
     832.83                       78623.76                       78750                    12.375                  SANTEE                                                          CA                          92071                         1                      2                       11/1/2006                     10/1/2036                      9/7/2006                        2/1/2007
     437.65                       49263.88                       49350                    10.125                  PORT LUDLOW                                                     WA                          98365                         1                      2                       11/1/2006                     10/1/2021                      9/1/2006                        2/1/2007
     396.53                       38505.22                       38550                        12                  RENTON                                                          WA                          98055                         1                      2                       11/1/2006                     10/1/2021                      9/5/2006                        2/1/2007
     529.81                       53412.83                       53500                      11.5                  SEATTLE                                                         WA                          98178                         1                      2                       10/1/2006                      9/1/2021                     8/28/2006                        2/1/2007
     587.34                       57033.65                       57100                        12                  SPANAWAY                                                        WA                          98387                         1                      2                       11/1/2006                     10/1/2021                      9/1/2006                        2/1/2007
    1237.86                      124736.96                      125000                      11.5                  SNOHOMISH                                                       WA                          98296                         1                      2                       11/1/2006                     10/1/2021                      9/8/2006                        2/1/2007
     467.33                       39741.62                       40800                      13.5                  BAKERSFIELD                                                     CA                          93307                         1                      2                       10/1/2006                      9/1/2021                     8/18/2006                        2/1/2007
      847.9                        83896.9                       84000                     11.75                  MENIFEE AREA                                                    CA                          92584                         1                      2                       11/1/2006                     10/1/2021                     8/31/2006                        2/1/2007
     666.01                       65898.99                       65980                     11.75                  LANCASTER                                                       CA                          93535                         1                      2                       11/1/2006                     10/1/2021                      9/7/2006                        2/1/2007
     483.82                       61320.49                       61500                      8.75                  PLACITAS                                                        NM                          87043                         1                      2                       10/1/2006                      9/1/2021                     8/30/2006                        2/1/2007
     638.28                       57646.35                       57700                        13                  ALBUQUERQUE                                                     NM                          87111                         1                      2                       11/1/2006                     10/1/2021                      9/8/2006                        2/1/2007
     487.37                       39773.72                       39800                      14.5                  ALBUQUERQUE                                                     NM                          87123                         1                      2                       11/1/2006                     10/1/2021                      9/7/2006                        2/1/2007
      560.3                       48460.86                       48500                    13.625                  ALBUQUERQUE                                                     NM                          87106                         3                      2                       11/1/2006                     10/1/2021                      9/5/2006                        2/1/2007
     359.54                       48867.19                       49000                         8                  RIO RANCHO                                                      NM                          87124                         1                      2                       11/1/2006                     10/1/2021                     9/11/2006                        2/1/2007
     372.26                       35162.38                       35200                    12.375                  ALBUQUERQUE                                                     NM                          87107                         1                      2                       11/1/2006                     10/1/2021                     9/12/2006                        2/1/2007
      546.1                       56679.65                       56780                    11.125                  HENDERSON                                                       NV                          89015                         1                      2                       10/1/2006                      9/1/2021                      8/3/2006                        2/1/2007
     800.44                       74902.03                       75000                      12.5                  TOLLESON                                                        AZ                          85353                         1                      2                       10/1/2006                      9/1/2021                     8/30/2006                        2/1/2007
     326.23                       27972.39                       28000                     13.75                  PHOENIX                                                         AZ                          85040                         4                      2                       10/1/2006                      9/1/2021                     8/28/2006                        2/1/2007
     432.24                       40457.89                       40500                      12.5                  TUCSON                                                          AZ                          85713                         2                      2                       11/1/2006                     10/1/2021                      9/1/2006                        2/1/2007
     942.91                        76901.4                       77000                      14.5                  SCOTTSDALE                                                      AZ                          85251                         1                      2                       11/1/2006                     10/1/2021                      9/8/2006                        2/1/2007
     598.42                        51758.2                       51800                    13.625                  NORTH LAS VEGAS                                                 NV                          89081                         1                      2                       11/1/2006                     10/1/2021                      9/7/2006                        2/1/2007
     544.45                       69831.79                       70000                     8.625                  HENDERSON                                                       NV                          89002                         1                      2                       11/1/2006                     10/1/2036                      9/5/2006                        2/1/2007
     739.36                       63948.36                       64000                    13.625                  NORTH LAS VEGAS                                                 NV                          89032                         1                      2                       11/1/2006                     10/1/2021                      9/7/2006                        2/1/2007
     374.91                       34447.11                       34500                     12.75                  SURPRISE                                                        AZ                          85374                         1                      2                       11/1/2006                     10/1/2021                      9/7/2006                        2/1/2007
     733.32                       69265.86                       69340                    12.375                  LAS VEGAS                                                       NV                          89149                         1                      2                       11/1/2006                     10/1/2021                     9/11/2006                        2/1/2007
     200.06                       23951.19                       24000                       9.4                  FRESNO                                                          CA                          93728                         1                      2                       11/1/2006                     10/1/2021                      9/5/2006                        2/1/2007
     381.01                       35653.36                       35700                      12.5                  FRESNO                                                          CA                          93727                         1                      2                       10/1/2006                      9/1/2021                     8/25/2006                        2/1/2007
     323.65                       32956.03                       33000                    11.375                  FRESNO                                                          CA                          93706                         1                      2                       11/1/2006                     10/1/2021                      9/5/2006                        2/1/2007
     517.55                       44763.86                       44800                    13.625                  GRANTS PASS                                                     OR                          97526                         1                      2                       11/1/2006                     10/1/2021                      9/6/2006                        2/1/2007
     313.72                        26674.4                       26700                    13.875                  KLAMATH FALLS                                                   OR                          97603                         1                      2                       10/1/2006                      9/1/2021                     8/25/2006                        2/1/2007
     933.48                       99847.38                      100000                     10.75                  PORTLAND                                                        OR                          97211                         1                      2                       11/1/2006                     10/1/2021                     8/29/2006                        2/1/2007
     466.21                       47917.41                       48000                     11.25                  NETARTS                                                         OR                          97143                         1                      2                       10/1/2006                      9/1/2021                     8/21/2006                        2/1/2007
     464.33                       45943.52                       46000                     11.75                  SALEM                                                           OR                          97306                         2                      2                       11/1/2006                     10/1/2021                      9/5/2006                        2/1/2007
     720.03                       69879.73                       70000                        12                  VANCOUVER                                                       WA                          98685                         1                      2                       11/1/2006                     10/1/2021                      9/1/2006                        2/1/2007
     761.19                        74610.8                       74700                    11.875                  MT SHASTA                                                       CA                          96067                         1                      2                       11/1/2006                     10/1/2021                      9/6/2006                        2/1/2007
     765.25                       72945.95                       73027                     12.25                  KEIZER                                                          OR                          97303                         1                      2                       11/1/2006                     10/1/2021                      9/5/2006                        2/1/2007
     635.39                       54313.01                       55000                    13.625                  REDMOND                                                         OR                          97756                         1                      2                       11/1/2006                     10/1/2021                      9/8/2006                        2/1/2007
     770.02                       68937.66                       69000                    13.125                  EAGLE POINT                                                     OR                          97524                         1                      2                       11/1/2006                     10/1/2021                      9/8/2006                        2/1/2007
     162.15                       13789.46                       13800                    13.875                  WACO                                                            TX                          76704                         1                      2                       11/1/2006                     10/1/2021                      9/7/2006                        2/1/2007
     1516.6                      183963.27                      184350                      9.25                  ARNOLD                                                          MD                          21012                         1                      2                       11/1/2006                     10/1/2021                     9/12/2006                        2/1/2007
     420.56                       35161.52                       35200                    14.125                  LEWISVILLE                                                      TX                          75067                         1                      2                        9/1/2006                      8/1/2021                     7/25/2006                        2/1/2007
     341.08                        28693.4                       29000                    11.625                  WEATHERFORD                                                     TX                          76087                         1                      2                       10/1/2006                      9/1/2021                     8/30/2006                        2/1/2007
     133.43                       11540.68                       11550                    13.625                  SAINT LOUIS                                                     MO                          63136                         1                      2                       11/1/2006                     10/1/2021                     9/11/2006                        2/1/2007
     320.89                       28227.68                       28258                    13.375                  ARLINGTON                                                       TX                          76002                         1                      2                       10/1/2006                      9/1/2021                     8/30/2006                        2/1/2007
     835.19                       71610.64                       71683                     13.75                  GRAND PRAIRIE                                                   TX                          75054                         1                      2                       10/1/2006                      9/1/2021                     8/29/2006                        2/1/2007
     282.55                       28224.36                       28260                    11.625                  KILLEEN                                                         TX                          76549                         1                      2                       11/1/2006                     10/1/2021                      9/5/2006                        2/1/2007
     423.08                       40217.95                       40750                    12.125                  FORTH WORTH                                                     TX                          76052                         1                      2                       11/1/2006                     10/1/2021                      9/8/2006                        2/1/2007
     262.01                        22661.7                       22680                    13.625                  MABANK                                                          TX                          75147                         1                      2                       11/1/2006                     10/1/2021                     9/11/2006                        2/1/2007
      98.12                       11275.42                       11300                     9.875                  FORT WORTH                                                      TX                          76131                         1                      2                       11/1/2006                     10/1/2021                      9/8/2006                        2/1/2007
     394.39                       33823.44                       33850                     13.75                  PARADISE                                                        TX                          76073                         1                      2                       11/1/2006                     10/1/2021                     9/13/2006                        2/1/2007
     242.03                       20933.07                       20950                    13.625                  STAFFORD                                                        TX                          77477                         1                      2                       11/1/2006                     10/1/2021                     9/11/2006                        2/1/2007
     533.19                        44949.4                       45000                        14                  PLYMOUTH MEETING                                                PA                          19462                         1                      2                        9/1/2006                      8/1/2021                     7/19/2006                        2/1/2007
     780.63                       66919.47                       67000                     13.75                  METHUEN                                                         MA                           1844                         1                      2                        9/1/2006                      8/1/2021                     7/28/2006                        2/1/2007
     786.26                       81634.94                       81750                    11.125                  BEVERLY                                                         MA                           1915                         3                      2                       11/1/2006                     10/1/2021                     9/11/2006                        2/1/2007
     306.14                       24967.97                       25000                      14.5                  CONWAY                                                          NH                           3813                         1                      2                       11/1/2006                     10/1/2021                     9/11/2006                        2/1/2007
     526.92                       52616.37                       52700                    11.625                  NORTH PROVIDENCE                                                RI                           2911                         1                      2                       10/1/2006                      9/1/2021                     8/31/2006                        2/1/2007
     369.68                       31935.81                       32000                    13.625                  WARWICK                                                         RI                           2889                         1                      2                       10/1/2006                      9/1/2021                     8/25/2006                        2/1/2007
     610.02                       61471.18                       61600                      11.5                  LAWRENCE                                                        MA                           1843                         4                      2                       11/1/2006                     10/1/2021                     9/11/2006                        2/1/2007
     363.92                       42915.73                       43000                     9.575                  BRAINTREE                                                       MA                           2184                         1                      2                       11/1/2006                     10/1/2021                      9/8/2006                        2/1/2007
     1106.2                       99907.04                      100000                        13                  DORCHESTER                                                      MA                           2125                         3                      2                       11/1/2006                     10/1/2021                     9/12/2006                        2/1/2007
     446.14                       48202.29                       48278                    10.625                  AURORA                                                          CO                          80018                         1                      2                       11/1/2006                     10/1/2021                     9/15/2006                        2/1/2007
     461.47                       57825.12                       58000                     8.875                  PHOENIX                                                         AZ                          85085                         1                      2                       11/1/2006                     10/1/2021                     9/14/2006                        2/1/2007
     445.55                       55857.46                       55998                     8.875                  NORTH LAS VEGAS                                                 NV                          89115                         1                      2                       11/1/2006                     10/1/2021                      9/7/2006                        2/1/2007
     284.65                       37341.37                       37450                     8.375                  VAIL                                                            AZ                          85641                         1                      2                       11/1/2006                     10/1/2021                      9/5/2006                        2/1/2007
     621.62                       76203.69                       76400                     9.125                  PEORIA                                                          AZ                          85382                         1                      2                       11/1/2006                     10/1/2021                     9/18/2006                        2/1/2007
     385.45                       55173.11                       55807                     7.375                  WEST JORDAN                                                     UT                          84088                         1                      2                       11/1/2006                     10/1/2036                     9/11/2006                        2/1/2007
      469.2                        64531.1                       64711                     7.875                  NORTH LAS VEGAS                                                 NV                          89115                         1                      2                       11/1/2006                     10/1/2036                     9/12/2006                        2/1/2007
     559.36                        48376.7                       48405                    13.875                  LAVEEN                                                          AZ                          85339                         1                      2                       10/1/2006                      9/1/2036                     8/30/2006                        2/1/2007
     702.09                       68817.71                       68900                    11.875                  APOLLO BEACH                                                    FL                          33572                         1                      2                       11/1/2006                     10/1/2021                     9/15/2006                        2/1/2007
     509.88                       49946.97                       49998                     12.25                  LAS VEGAS                                                       NV                          89149                         1                      2                       11/1/2006                     10/1/2021                     9/12/2006                        2/1/2007
     569.34                       73025.27                       73200                     8.625                  SURPRISE                                                        AZ                          85379                         1                      2                       11/1/2006                     10/1/2021                     9/13/2006                        2/1/2007
     440.89                       57198.57                       57339                       8.5                  LAS VEGAS                                                       NV                          89139                         1                      2                       11/1/2006                     10/1/2021                      9/8/2006                        2/1/2007
     573.16                       61277.73                       61400                     10.75                  KAYSVILLE                                                       UT                          84037                         1                      2                       11/1/2006                     10/1/2036                     9/19/2006                        2/1/2007
     785.58                        64109.6                       64152                      14.5                  GILBERT                                                         AZ                          85297                         1                      2                       11/1/2006                     10/1/2021                     9/11/2006                        2/1/2007
     282.96                       36709.88                       36800                       8.5                  HIGHLANDS RANCH                                                 CO                          80130                         1                      2                       11/1/2006                     10/1/2021                     9/13/2006                        2/1/2007
     749.27                       67671.06                       67734                        13                  LAS VEGAS                                                       NV                          89149                         1                      2                       11/1/2006                     10/1/2021                     8/31/2006                        2/1/2007
      614.4                          76600                       76600                     9.625                  PHOENIX                                                         AZ                          85085                         1                      2                       11/1/2006                     10/1/2036                      9/5/2006                        2/1/2007
     420.53                       57836.75                       57998                     7.875                  HENDERSON                                                       NV                          89052                         1                      2                       11/1/2006                     10/1/2036                      9/7/2006                        2/1/2007
     270.19                       35870.69                       35965                      8.25                  MARANA                                                          AZ                          85653                         1                      2                       11/1/2006                     10/1/2021                      9/1/2006                        2/1/2007
     740.01                          73221                       73311                     11.75                  MENIFEE                                                         CA                          92584                         1                      2                       11/1/2006                     10/1/2021                      9/6/2006                        2/1/2007
      805.4                       93565.91                       93743                      9.75                  LANCASTER                                                       CA                          93536                         1                      2                       11/1/2006                     10/1/2021                      9/7/2006                        2/1/2007
     462.38                       57314.54                       57465                         9                  SAHUARITA                                                       AZ                          85629                         1                      2                       11/1/2006                     10/1/2021                      9/1/2006                        2/1/2007
     597.55                       65219.81                       65325                      10.5                  LAS VEGAS                                                       NV                          89139                         1                      2                       11/1/2006                     10/1/2021                     9/11/2006                        2/1/2007
     364.22                        37435.5                       37500                     11.25                  LAS VEGAS                                                       NV                          89123                         1                      2                       10/1/2006                      9/1/2021                     8/29/2006                        2/1/2007
     470.93                       64664.47                       64950                     7.875                  QUEEN CREEK                                                     AZ                          85242                         1                      2                       10/1/2006                      9/1/2021                     8/29/2006                        2/1/2007
     434.12                       55064.26                       55815                     8.625                  LANCASTER                                                       CA                          93536                         1                      2                       11/1/2006                     10/1/2021                      9/1/2006                        2/1/2007
     489.72                       56892.32                       57000                      9.75                  SAHUARITA                                                       AZ                          85629                         1                      2                       11/1/2006                     10/1/2021                     9/11/2006                        2/1/2007
     232.79                       27018.73                       27095                      9.75                  MARANA                                                          AZ                          85653                         1                      2                       10/1/2006                      9/1/2021                     8/25/2006                        2/1/2007
      736.3                       80363.36                       80493                      10.5                  LAS VEGAS                                                       NV                          89139                         1                      2                       11/1/2006                     10/1/2021                     9/11/2006                        2/1/2007
     566.24                       63332.83                       63850                    10.125                  LAS VEGAS                                                       NV                          89178                         1                      2                       11/1/2006                     10/1/2036                     9/11/2006                        2/1/2007
     761.77                       76092.86                       76189                    11.625                  STOCKTON                                                        CA                          95206                         1                      2                       11/1/2006                     10/1/2021                      9/8/2006                        2/1/2007
     936.54                       77641.39                       77741                     14.25                  AURORA                                                          CO                          80015                         1                      2                       11/1/2006                     10/1/2021                     9/12/2006                        2/1/2007
     528.22                       62694.95                       62820                       9.5                  LAS VEGAS                                                       NV                          89183                         1                      2                       11/1/2006                     10/1/2036                     9/11/2006                        2/1/2007
      269.3                       34151.34                       34231                      8.75                  LAS VEGAS                                                       NV                          89139                         1                      2                       11/1/2006                     10/1/2021                      9/1/2006                        2/1/2007
     639.03                       57210.24                       57262                    13.125                  LAS VEGAS                                                       NV                          89149                         1                      2                       11/1/2006                     10/1/2036                      9/7/2006                        2/1/2007
     762.34                       71597.84                       72084                    12.375                  HENDERSON                                                       NV                          89052                         1                      2                       11/1/2006                     10/1/2021                     9/12/2006                        2/1/2007
     267.07                       36731.61                       36834                     7.875                  MARANA                                                          AZ                          85653                         1                      2                       11/1/2006                     10/1/2021                     9/12/2006                        2/1/2007
     735.28                       76291.96                       76450                    11.125                  STOCKTON                                                        CA                          95206                         1                      2                       11/1/2006                     10/1/2021                      9/1/2006                        2/1/2007
     831.44                      112167.86                      113312                         8                  HAMILTON                                                        VA                          20158                         1                      2                       11/1/2006                     10/1/2021                      9/8/2006                        2/1/2007
     308.09                       35336.35                       35480                     9.875                  MACCLENNY                                                       FL                          32063                         1                      2                       11/1/2006                     10/1/2021                     9/15/2006                        2/1/2007
     351.53                       44552.61                       44684                      8.75                  LOMA LINDA                                                      CA                          92354                         1                      2                       10/1/2006                      9/1/2036                     8/30/2006                        2/1/2007
     507.64                       59607.12                       59723                     9.625                  PHOENIX                                                         AZ                          85041                         1                      2                       11/1/2006                     10/1/2021                     9/12/2006                        2/1/2007
     615.28                       71474.97                       71615                      9.75                  LANCASTER                                                       CA                          93535                         1                      2                       11/1/2006                     10/1/2021                     9/12/2006                        2/1/2007
     374.27                          45875                       46000                     9.125                  QUEEN CREEK                                                     AZ                          85242                         1                      2                       10/1/2006                      9/1/2021                     8/31/2006                        2/1/2007
     618.56                       70230.79                       70485                        10                  HENDERSON                                                       NV                          89052                         1                      2                       10/1/2006                      9/1/2021                     8/30/2006                        2/1/2007
     131.23                       18941.62                       19000                     7.375                  SARATOGA SPRINGS                                                UT                          84045                         1                      2                       11/1/2006                     10/1/2021                     9/14/2006                        2/1/2007
     415.09                       63251.38                       63585                     7.875                  NORTH LAS VEGAS                                                 NV                          89115                         1                      2                       11/1/2006                     10/1/2036                      9/1/2006                        2/1/2007
     488.15                       63330.53                       63486                       8.5                  HENDERSON                                                       NV                          89052                         1                      2                       11/1/2006                     10/1/2036                      9/1/2006                        2/1/2007
     406.82                       49848.16                       50000                     9.125                  LAS VEGAS                                                       NV                          89139                         1                      2                       11/1/2006                     10/1/2021                      9/6/2006                        2/1/2007
     288.38                       40139.27                       40254                      7.75                  QUEEN CREEK                                                     AZ                          85242                         1                      2                       11/1/2006                     10/1/2021                     9/11/2006                        2/1/2007
     522.98                       57080.92                       57173                      10.5                  LAS VEGAS                                                       NV                          89123                         1                      2                       11/1/2006                     10/1/2021                      9/7/2006                        2/1/2007
     327.42                       43137.74                       43582                      8.25                  LEHI                                                            UT                          84043                         1                      2                       11/1/2006                     10/1/2021                     9/15/2006                        2/1/2007
     484.48                       57474.04                       57618                       9.5                  LAS VEGAS                                                       NV                          89123                         1                      2                       10/1/2006                      9/1/2021                     8/28/2006                        2/1/2007
     387.25                       53260.54                       53409                     7.875                  LAS VEGAS                                                       NV                          89108                         1                      2                       11/1/2006                     10/1/2021                     9/14/2006                        2/1/2007
     455.97                       59154.75                       59300                       8.5                  LAS VEGAS                                                       NV                          89139                         1                      2                       11/1/2006                     10/1/2021                      9/5/2006                        2/1/2007
     436.12                       57901.39                       58051                      8.25                  LAS VEGAS                                                       NV                          89183                         1                      2                       11/1/2006                     10/1/2036                      9/1/2006                        2/1/2007
     268.08                       35592.04                       35684                      8.25                  LAS VEGAS                                                       NV                          89139                         1                      2                       11/1/2006                     10/1/2021                      9/8/2006                        2/1/2007
     492.76                       65421.98                       65591                      8.25                  NORTH LAS VEGAS                                                 NV                          89081                         1                      2                       11/1/2006                     10/1/2021                      9/8/2006                        2/1/2007
     545.25                       67615.28                       67765                         9                  MONUMENT                                                        CO                          80132                         1                      2                       11/1/2006                     10/1/2021                     9/13/2006                        2/1/2007
     234.61                       29420.15                       29487                     8.875                  LAS VEGAS                                                       NV                          89149                         1                      2                       11/1/2006                     10/1/2021                     9/12/2006                        2/1/2007
    1205.01                      126351.04                      126534                        11                  FAIRFIELD                                                       CA                          94534                         1                      2                       11/1/2006                     10/1/2021                      9/8/2006                        2/1/2007
     375.42                       49268.33                       49393                     8.375                  WEST JORDAN                                                     UT                          84084                         1                      2                       11/1/2006                     10/1/2021                     9/14/2006                        2/1/2007
     498.08                       54334.65                       54450                      10.5                  ORANGE PARK                                                     FL                          32073                         1                      2                       11/1/2006                     10/1/2021                     9/15/2006                        2/1/2007
     537.04                       59829.19                       59931                     10.25                  LAS VEGAS                                                       NV                          89139                         1                      2                       11/1/2006                     10/1/2021                      9/1/2006                        2/1/2007
     381.12                       53688.62                       53846                     7.625                  GILBERT                                                         AZ                          85297                         1                      2                       11/1/2006                     10/1/2021                     9/11/2006                        2/1/2007
     362.17                        45389.5                       45519                     8.875                  VAIL                                                            AZ                          85641                         1                      2                       10/1/2006                      9/1/2021                      8/1/2006                        2/1/2007
     805.14                          92016                       92016                      10.5                  PHOENIX                                                         AZ                          85085                         1                      2                       11/1/2006                     10/1/2021                      9/5/2006                        2/1/2007
     575.13                       59923.24                       60639                     7.875                  MARTINSBURG                                                     WV                          25403                         1                      2                       11/1/2006                     10/1/2021                     9/15/2006                        2/1/2007
      417.6                       58476.86                       59000                     7.625                  ELLICOTT CITY                                                   MD                          21043                         1                      2                       11/1/2006                     10/1/2021                     9/14/2006                        2/1/2007
     210.96                       23093.34                       23300                    10.375                  WYANDOTTE                                                       MI                          48192                         1                      2                       12/1/2006                     11/1/2021                      8/7/2006                        2/1/2007
     351.56                       34468.36                       34500                    11.875                  HUNTERSVILLE                                                    NC                          28078                         1                      2                       12/1/2006                     11/1/2021                      8/7/2006                        2/1/2007
      315.3                       30962.75                       31000                     11.85                  LAKE ORION                                                      MI                          48359                         1                      2                       11/1/2006                     10/1/2021                      8/8/2006                        2/1/2007
     261.92                        28355.2                       28400                      10.6                  GLENNVILLE                                                      GA                          30427                         1                      2                       11/1/2006                     10/1/2021                      8/8/2006                        2/1/2007
     290.26                       26913.35                       27000                      12.6                  NEWARK                                                          OH                          43055                         1                      2                       10/1/2006                      9/1/2021                     7/21/2006                        2/1/2007
     702.26                       68320.08                       68400                    11.975                  NORTH BRANCH TOWNSHIP                                           MI                          48461                         1                      2                       11/1/2006                     10/1/2021                      8/8/2006                        2/1/2007
     149.42                       13686.64                       13700                      12.8                  GAINESVILLE                                                     FL                          32641                         1                      2                       11/1/2006                     10/1/2021                      8/4/2006                        2/1/2007
     127.67                       13281.16                       13300                      11.1                  PORT CHARLOTTE                                                  FL                          33952                         1                      2                       11/1/2006                     10/1/2021                      8/9/2006                        2/1/2007
     657.92                       61117.43                       61200                      12.6                  SANDY                                                           UT                          84092                         1                      2                       11/1/2006                     10/1/2021                      8/9/2006                        2/1/2007
     957.12                       94882.73                       95000                    11.725                  WOODSTOCK                                                       CT                           6281                         1                      2                       11/1/2006                     10/1/2021                     6/22/2006                        2/1/2007
     274.13                       26514.79                       26700                    11.975                  NEW BALTIMORE                                                   MI                          48047                         1                      2                       11/1/2006                     10/1/2021                      8/9/2006                        2/1/2007
     327.94                        32493.1                       32550                    11.725                  WOODSTOCK                                                       GA                          30188                         1                      2                       11/1/2006                     10/1/2021                      8/8/2006                        2/1/2007
     208.14                        22762.2                       22800                    10.475                  CHARLOTTE                                                       MI                          48813                         1                      2                       11/1/2006                     10/1/2021                     5/10/2006                        2/1/2007
    1521.38                      139209.74                      139500                      12.8                  MARLBORO TWP                                                    NJ                           7746                         1                      2                       11/1/2006                     10/1/2021                      8/7/2006                        2/1/2007
     627.58                       59933.68                       60000                    12.225                  MENDON                                                          MA                           1756                         1                      2                       11/1/2006                     10/1/2021                      8/7/2006                        2/1/2007
     323.57                       37425.51                       37500                       9.8                  OXFORD                                                          MA                           1540                         1                      2                       11/1/2006                     10/1/2021                      8/7/2006                        2/1/2007
     395.12                       37743.82                       37775                    12.225                  LAKE WORTH                                                      FL                          33467                         1                      2                       12/1/2006                     11/1/2021                      8/9/2006                        2/1/2007
     184.33                       21469.49                       21500                     9.725                  PUEBLO                                                          CO                          81005                         1                      2                       12/1/2006                     11/1/2021                     8/10/2006                        2/1/2007
     439.31                       41953.56                       42000                    12.225                  EAST BRIDGEWATER                                                MA                           2333                         2                      2                       11/1/2006                     10/1/2021                     8/10/2006                        2/1/2007
     177.82                       16981.18                       17000                    12.225                  MINDEN                                                          NY                          13339                         1                      2                       11/1/2006                     10/1/2021                     7/24/2006                        2/1/2007
     278.28                       34895.68                       34975                     8.875                  FREEDOM                                                         NH                           3836                         1                      2                       11/1/2006                     10/1/2021                     8/10/2006                        2/1/2007
      545.3                       49938.88                       50000                      12.8                  HILLIARD                                                        OH                          43026                         1                      2                       10/1/2006                      9/1/2021                      8/8/2006                        2/1/2007
     336.19                       31475.56                       31500                      12.5                  ATLANTA                                                         GA                          30329                         1                      2                       12/1/2006                     11/1/2021                      8/1/2006                        2/1/2007
     437.87                       49909.91                       50000                     9.975                  CASA GRANDE                                                     AZ                          85222                         1                      2                       11/1/2006                     10/1/2021                     7/28/2006                        2/1/2007
     431.88                        39561.1                       39600                      12.8                  SAVANNAH                                                        GA                          31419                         1                      2                       11/1/2006                     10/1/2021                     7/31/2006                        2/1/2007
     224.13                       20983.69                       21000                      12.5                  DEARBORN HEIGHTS                                                MI                          48125                         1                      2                       12/1/2006                     11/1/2021                     7/31/2006                        2/1/2007
     276.47                       25325.33                       25350                      12.8                  OAK PARK                                                        MI                          48237                         1                      2                       11/1/2006                     10/1/2021                     5/15/2006                        2/1/2007
     398.57                       37032.91                       37075                      12.6                  STERLING                                                        NY                          13156                         1                      2                       11/1/2006                     10/1/2021                     7/31/2006                        2/1/2007
     115.14                       13487.81                       13575                       9.6                  PRUDENVILLE                                                     MI                          48651                         1                      2                       11/1/2006                     10/1/2021                      8/1/2006                        2/1/2007
     439.69                       40858.38                       40900                      12.6                  REDFORD                                                         MI                          48239                         1                      2                       11/1/2006                     10/1/2021                      8/2/2006                        2/1/2007
     288.66                       31250.65                       31300                      10.6                  WESTLAND                                                        MI                          48186                         1                      2                       11/1/2006                     10/1/2021                     8/10/2006                        2/1/2007
     193.32                       18877.66                       18900                    11.925                  NEW HARTFORD                                                    NY                          13413                         2                      2                       11/1/2006                     10/1/2021                      8/2/2006                        2/1/2007
     193.32                       18877.66                       18900                    11.925                  WHITESBORO                                                      NY                          13492                         2                      2                       11/1/2006                     10/1/2021                      8/2/2006                        2/1/2007
     923.45                       85734.46                       85900                      12.6                  W. MELBOURNE                                                    FL                          32904                         1                      2                       11/1/2006                     10/1/2021                      8/3/2006                        2/1/2007
     310.95                       30364.06                       30400                    11.925                  LINCOLN PARK                                                    MI                          48146                         1                      2                       11/1/2006                     10/1/2021                     7/28/2006                        2/1/2007
     202.12                       23281.82                       23325                      9.85                  OAK PARK                                                        MI                          48237                         1                      2                       11/1/2006                     10/1/2021                      8/3/2006                        2/1/2007
     201.77                       25633.26                       26000                       8.6                  MOUNT CLEMENS                                                   MI                          48043                         1                      2                       11/1/2006                     10/1/2021                      8/3/2006                        2/1/2007
     259.34                       30192.55                       30250                     9.725                  LAKE ORION                                                      MI                          48362                         1                      2                       11/1/2006                     10/1/2021                      8/4/2006                        2/1/2007
     581.62                       56161.26                       56650                    11.975                  GARDEN CITY                                                     MI                          48135                         1                      2                       11/1/2006                     10/1/2021                      8/4/2006                        2/1/2007
      753.1                       71661.45                       72000                    12.225                  CHELTENHAM                                                      MD                          20623                         1                      2                       11/1/2006                     10/1/2021                      8/1/2006                        2/1/2007
     446.12                       41767.56                       41800                      12.5                  BESSEMER                                                        AL                          35022                         1                      2                       12/1/2006                     11/1/2021                     8/16/2006                        2/1/2007
     258.01                       23975.58                       24000                      12.6                  DETROIT                                                         MI                          48205                         1                      2                       11/1/2006                     10/1/2021                     8/16/2006                        2/1/2007
     807.62                       75048.57                       75125                      12.6                  RARITAN BOROUGH                                                 NJ                           8869                         1                      2                       11/1/2006                     10/1/2021                     8/16/2006                        2/1/2007
     286.08                       27305.39                       27350                    12.225                  DEARBORN                                                        MI                          48124                         1                      2                       11/1/2006                     10/1/2021                     8/16/2006                        2/1/2007
    1067.89                      126811.09                      127000                       9.5                  TAMPA                                                           FL                          33629                         1                      2                       12/1/2006                     11/1/2021                     8/16/2006                        2/1/2007
     124.17                       15030.48                       16000                       8.6                  LEBANON                                                         OH                          45036                         1                      2                       11/1/2006                     10/1/2021                     8/16/2006                        2/1/2007
     459.97                       43926.37                       43975                    12.225                  TAMPA                                                           FL                          33647                         1                      2                       11/1/2006                     10/1/2021                     8/16/2006                        2/1/2007
     291.56                       34307.96                       34375                       9.6                  POKAGON TWP.                                                    MI                          49047                         1                      2                       11/1/2006                     10/1/2021                      8/1/2006                        2/1/2007
     313.65                       32964.15                       33000                    10.975                  PROVIDENCE                                                      RI                           2908                         1                      2                       12/1/2006                     11/1/2021                     8/16/2006                        2/1/2007
     457.96                       42556.68                       42600                      12.6                  TAMPA                                                           FL                          33610                         1                      2                       11/1/2006                     10/1/2021                     8/17/2006                        2/1/2007
     161.51                       15985.33                       16000                     11.75                  BAY SAINT LOUIS                                                 MS                          39520                         1                      2                       12/1/2006                     11/1/2021                     7/14/2006                        2/1/2007
     267.49                       31140.72                       31200                     9.725                  JACKSONVILLE                                                    FL                          32244                         1                      2                       11/1/2006                     10/1/2021                     8/16/2006                        2/1/2007
     416.77                       39006.08                       39050                      12.5                  MARYVILLE                                                       MO                          64468                         1                      2                       11/1/2006                     10/1/2021                     8/17/2006                        2/1/2007
    1193.01                      110862.15                      110975                      12.6                  TRUCKEE                                                         CA                          96161                         1                      2                       11/1/2006                     10/1/2021                     8/17/2006                        2/1/2007
     500.97                       46552.58                       46600                      12.6                  SPRINGFIELD                                                     MO                          65803                         1                      2                       11/1/2006                     10/1/2021                     7/25/2006                        2/1/2007
     856.51                       87365.56                       87500                     11.35                  NEWBURGH                                                        IN                          47630                         1                      2                       11/1/2006                     10/1/2021                     8/17/2006                        2/1/2007
     430.01                        39744.9                       40000                      12.6                  BELLEVILLE                                                      IL                          62223                         1                      2                       11/1/2006                     10/1/2021                     8/17/2006                        2/1/2007
     349.08                       33970.34                       34000                    11.975                  WARREN                                                          MI                          48088                         1                      2                       12/1/2006                     11/1/2021                      8/4/2006                        2/1/2007
     176.18                       16980.66                       17000                      12.1                  DILLARD                                                         GA                          30537                         1                      2                       11/1/2006                     10/1/2021                     8/18/2006                        2/1/2007
     311.76                       28962.23                       29000                      12.6                  LANCASTER                                                       PA                          17603                         1                      2                       12/1/2006                     11/1/2021                     8/18/2006                        2/1/2007
     219.81                       25054.77                       25100                     9.975                  ANCHORAGE                                                       AK                          99508                         1                      2                       11/1/2006                     10/1/2021                     8/18/2006                        2/1/2007
      96.23                       12370.23                       12400                       8.6                  DETROIT                                                         MI                          48203                         2                      2                       11/1/2006                     10/1/2021                     8/17/2006                        2/1/2007
     496.27                       51626.82                       51700                      11.1                  RANSON                                                          WV                          25438                         1                      2                       11/1/2006                     10/1/2021                     8/15/2006                        2/1/2007
     741.61                       67891.15                       68000                      12.8                  PIQUA                                                           OH                          45356                         1                      2                       10/1/2006                      9/1/2021                     7/27/2006                        2/1/2007
     341.86                       31767.66                       31800                      12.6                  BERKLEY                                                         MI                          48072                         1                      2                       11/1/2006                     10/1/2021                     8/14/2006                        2/1/2007
     436.79                       40953.89                       41000                    12.475                  CRESTLINE                                                       CA                          92325                         1                      2                       11/1/2006                     10/1/2021                     8/14/2006                        2/1/2007
     301.01                       27971.52                       28000                      12.6                  YORK NEW SALEM                                                  PA                          17371                         1                      2                       11/1/2006                     10/1/2021                     7/10/2006                        2/1/2007
     276.51                        32536.4                       32600                       9.6                  WOLVERINE LAKE                                                  MI                          48390                         1                      2                       11/1/2006                     10/1/2021                     8/14/2006                        2/1/2007
     272.58                        26711.6                       26800                     11.85                  ROMULUS                                                         MI                          48174                         1                      2                       11/1/2006                     10/1/2021                     8/14/2006                        2/1/2007
     322.51                       29969.48                       30000                      12.6                  SALTSBURG BOROUGH                                               PA                          15681                         1                      2                       11/1/2006                     10/1/2021                     8/14/2006                        2/1/2007
     118.97                       12879.66                       12900                      10.6                  DETROIT                                                         MI                          48224                         1                      2                       11/1/2006                     10/1/2021                     8/14/2006                        2/1/2007
     445.62                       42951.12                       43000                      12.1                  WOODHAVEN                                                       MI                          48183                         1                      2                       11/1/2006                     10/1/2021                     8/14/2006                        2/1/2007
      376.3                       37303.89                       37350                    11.725                  OAKLEY                                                          MI                          48649                         1                      2                       11/1/2006                     10/1/2021                     8/16/2006                        2/1/2007
     336.49                        31266.6                       31300                      12.6                  AUBURN                                                          AL                          36830                         1                      2                       11/1/2006                     10/1/2021                     8/14/2006                        2/1/2007
     377.44                       44435.17                       44500                       9.6                  CLARKSTON                                                       MI                          48346                         1                      2                       12/1/2006                     11/1/2021                     8/16/2006                        2/1/2007
        269                       26092.85                       26200                    11.975                  CARLISLE                                                        IA                          50047                         1                      2                       11/1/2006                     10/1/2021                     8/15/2006                        2/1/2007
     451.51                        41957.3                       42000                      12.6                  SHELBY TWP                                                      MI                          48316                         1                      2                       11/1/2006                     10/1/2021                     8/15/2006                        2/1/2007
     404.17                       40448.58                       40500                      11.6                  HIGH SPRINGS                                                    FL                          32643                         1                      2                       11/1/2006                     10/1/2021                     8/14/2006                        2/1/2007
     430.01                       39381.11                       40000                      12.6                  FLUSHING                                                        MI                          48433                         1                      2                       11/1/2006                     10/1/2021                     8/15/2006                        2/1/2007
     362.84                       40909.62                       41000                      10.1                  PORT ST. LUCIE                                                  FL                          34953                         1                      2                       11/1/2006                     10/1/2021                     8/15/2006                        2/1/2007
     153.73                       14183.33                       14300                      12.6                  SPRINGFIELD                                                     MA                           1119                         1                      2                       11/1/2006                     10/1/2021                     8/14/2006                        2/1/2007
     461.84                       43702.96                       43750                     12.35                  LAS VEGAS                                                       NV                          89129                         1                      2                       11/1/2006                     10/1/2021                     8/15/2006                        2/1/2007
     834.49                       77546.05                       77625                      12.6                  DETROIT                                                         MI                          48201                         1                      2                       11/1/2006                     10/1/2021                      4/5/2005                        2/1/2007
    1225.53                      113822.15                      114000                      12.6                  NORTHVILLE TOWNSHIP                                             MI                          48168                         1                      2                       11/1/2006                     10/1/2021                     8/16/2006                        2/1/2007
     203.71                       26202.91                       26250                       8.6                  LANTANA                                                         FL                          33462                         1                      2                       12/1/2006                     11/1/2021                     8/14/2006                        2/1/2007
     298.46                       28775.58                       28800                      12.1                  WESTLAND                                                        MI                          48186                         1                      2                       12/1/2006                     11/1/2021                     8/14/2006                        2/1/2007
     146.31                       16922.57                       17250                       9.6                  VICKSBURG                                                       MS                          39180                         1                      2                       11/1/2006                     10/1/2021                     6/20/2006                        2/1/2007
     361.21                       33565.82                       33600                      12.6                  GARDEN CITY                                                     MI                          48135                         1                      2                       11/1/2006                     10/1/2021                      6/7/2006                        2/1/2007
     396.81                       41689.29                       41750                    10.975                  BRADENTON                                                       FL                          34205                         1                      2                       11/1/2006                     10/1/2021                      6/7/2006                        2/1/2007
     221.46                       20579.04                       20600                      12.6                  BEVERLY HILLS                                                   FL                          34465                         1                      2                       11/1/2006                     10/1/2021                     6/10/2006                        2/1/2007
     304.68                       29366.58                       29400                      12.1                  REDFORD TOWNSHIP                                                MI                          48239                         1                      2                       11/1/2006                     10/1/2021                    12/16/2005                        2/1/2007
     147.23                        13480.1                       13500                      12.8                  LAKEWOOD                                                        OH                          44107                         1                      2                        9/1/2006                      8/1/2021                     6/15/2006                        2/1/2007
     311.76                        28970.5                       29000                      12.6                  LINDEN                                                          MI                          48451                         1                      2                       11/1/2006                     10/1/2021                     6/28/2006                        2/1/2007
     319.74                       30358.46                       30400                      12.3                  MADISON                                                         OH                          44057                         1                      2                       10/1/2006                      9/1/2021                     6/13/2006                        2/1/2007
     288.16                       26957.45                       27000                      12.5                  BENTON TOWNSHIP                                                 OH                          43445                         1                      2                        9/1/2006                      8/1/2021                      5/2/2006                        2/1/2007
     462.26                       42956.28                       43000                      12.6                  HAZLETON                                                        PA                          18201                         1                      2                       11/1/2006                     10/1/2021                     6/15/2006                        2/1/2007
     265.45                       26566.24                       26600                      11.6                  WAYNE                                                           MI                          48184                         1                      2                       11/1/2006                     10/1/2021                     6/24/2006                        2/1/2007
     272.65                       24955.66                       25000                      12.8                  GRANVILLE TWP.                                                  OH                          45883                         1                      2                       10/1/2006                      9/1/2021                     6/26/2006                        2/1/2007
     375.17                       34357.94                       34400                      12.8                  SHAKER HEIGHTS                                                  OH                          44120                         1                      2                       10/1/2006                      9/1/2021                     6/26/2006                        2/1/2007
     251.88                       24969.12                       25000                    11.725                  SAINT CLAIR SHORES                                              MI                          48081                         1                      2                       11/1/2006                     10/1/2021                     5/11/2006                        2/1/2007
     667.39                       64345.38                       64400                      12.1                  CANTON                                                          MI                          48188                         1                      2                       12/1/2006                     11/1/2021                     6/27/2006                        2/1/2007
     375.99                       34939.44                       34975                      12.6                  WATERFORD TOWNSHIP                                              MI                          48327                         1                      2                       11/1/2006                     10/1/2021                     6/27/2006                        2/1/2007
     194.85                       20967.42                       21000                    10.675                  ROSEDALE                                                        MD                          21237                         1                      2                       11/1/2006                     10/1/2021                     7/18/2006                        2/1/2007
     199.96                       18581.06                       18600                      12.6                  SOUTH BRANCH                                                    MI                          48761                         1                      2                       11/1/2006                     10/1/2021                     6/19/2006                        2/1/2007
     384.22                       35952.93                       36000                      12.5                  OLMSTED FALLS                                                   OH                          44138                         1                      2                       10/1/2006                      9/1/2021                     5/17/2006                        2/1/2007
     453.05                       53730.65                       54350                       9.4                  HATBORO                                                         PA                          19040                         1                      2                        6/1/2006                      5/1/2021                     2/13/2006                        2/1/2007
     348.72                       31950.22                       31975                      12.8                  WOODHAVEN                                                       MI                          48183                         1                      2                       12/1/2006                     11/1/2021                      3/3/2006                        2/1/2007
     151.13                       14979.69                       15000                    11.725                  TORRINGTON                                                      CT                           6790                         3                      2                       11/1/2006                     10/1/2021                     3/29/2006                        2/1/2007
     436.24                        39951.1                       40000                      12.8                  NORTH RIDGEVILLE                                                OH                          44039                         1                      2                       10/1/2006                      9/1/2021                      4/3/2006                        2/1/2007
     233.02                       21652.92                       21675                      12.6                  HUNTINGBURG                                                     IN                          47542                         1                      2                       11/1/2006                     10/1/2021                     4/21/2006                        2/1/2007
     429.03                       43757.25                       44000                      11.3                  OLMSTED TOWNSHIP                                                OH                          44138                         1                      2                       10/1/2006                      9/1/2021                      5/2/2006                        2/1/2007
     203.55                       19957.18                       19975                    11.875                  MADISON HEIGHTS                                                 MI                          48071                         1                      2                       12/1/2006                     11/1/2021                      5/9/2006                        2/1/2007
     419.26                       38947.39                       39000                      12.6                  TALLMADGE                                                       OH                          44278                         1                      2                       10/1/2006                      9/1/2021                     5/10/2006                        2/1/2007
     677.27                       62559.95                       63000                      12.6                  DE FUNIAK SPRINGS                                               FL                          32433                         1                      2                       11/1/2006                     10/1/2021                     5/11/2006                        2/1/2007
     312.78                       29154.45                       29200                     12.55                  CANTON                                                          OH                          44708                         1                      2                        9/1/2006                      8/1/2021                      6/2/2006                        2/1/2007
     747.09                       69889.62                       70000                      12.5                  LOWELL                                                          MA                           1852                         1                      2                        9/1/2006                      8/1/2021                     5/19/2006                        2/1/2007
     475.04                        44951.6                       45000                     12.35                  LIVINGSTON                                                      MT                          59047                         1                      2                       11/1/2006                     10/1/2021                     5/19/2006                        2/1/2007
     504.03                       48913.68                       49000                        12                  CANTON                                                          OH                          44708                         1                      2                        9/1/2006                      8/1/2021                     5/22/2006                        2/1/2007
     170.87                       16771.11                       16800                     11.85                  DEARBORN HEIGHTS                                                MI                          48127                         1                      2                       11/1/2006                     10/1/2021                      1/4/2006                        2/1/2007
     527.82                       49946.23                       50000                     12.35                  NEW CASTLE                                                      DE                          19720                         1                      2                       11/1/2006                     10/1/2021                     5/23/2006                        2/1/2007
     180.57                       20115.74                       20150                     10.25                  DURAND                                                          MI                          48429                         1                      2                       11/1/2006                     10/1/2021                     5/24/2006                        2/1/2007
     285.83                        33634.3                       33700                       9.6                  SOUTHFIELD                                                      MI                          48034                         1                      2                       11/1/2006                     10/1/2021                     5/24/2006                        2/1/2007
     411.44                       38933.07                       38975                     12.35                  CALDWELL                                                        ID                          83607                         1                      2                       11/1/2006                     10/1/2021                      5/7/2006                        2/1/2007
     320.14                       30516.38                       30550                     12.25                  CALHOUN                                                         GA                          30701                         1                      2                       11/1/2006                     10/1/2021                     5/15/2006                        2/1/2007
     599.83                        54946.5                       55000                      12.8                  DEARBORN                                                        MI                          48124                         1                      2                       11/1/2006                     10/1/2021                     7/24/2006                        2/1/2007
     148.43                       17465.87                       17500                       9.6                  CROWN POINT                                                     IN                          46307                         1                      2                       11/1/2006                     10/1/2021                     7/17/2006                        2/1/2007
     240.43                       23173.61                       23200                      12.1                  BEECH GROVE                                                     IN                          46107                         1                      2                       11/1/2006                     10/1/2021                     7/18/2006                        2/1/2007
     309.61                        28770.7                       28800                      12.6                  CRAWFORDVILLE                                                   FL                          32327                         1                      2                       11/1/2006                     10/1/2021                     7/19/2006                        2/1/2007
     578.02                       52948.43                       53000                      12.8                  ORLANDO                                                         FL                          32820                         1                      2                       11/1/2006                     10/1/2021                     7/19/2006                        2/1/2007
     132.15                       13486.49                       13500                     11.35                  WARREN                                                          MI                          48088                         1                      2                       12/1/2006                     11/1/2021                     3/15/2006                        2/1/2007
     693.04                       77367.62                       77500                    10.225                  SURPRISE                                                        AZ                          85379                         1                      2                       11/1/2006                     10/1/2021                     7/21/2006                        2/1/2007
     374.11                       34764.61                       34800                      12.6                  MIDDLETON                                                       WI                          53562                         1                      2                       11/1/2006                     10/1/2021                     7/21/2006                        2/1/2007
     296.11                       33161.34                       33600                     10.05                  MECHANICSBURG                                                   OH                          43044                         1                      2                       10/1/2006                      9/1/2021                     7/24/2006                        2/1/2007
     309.13                       28564.04                       28600                    12.675                  PAINESVILLE TWP.                                                OH                          44077                         1                      2                       10/1/2006                      9/1/2021                     6/28/2006                        2/1/2007
     275.98                       25965.44                       26000                    12.425                  ELYRIA                                                          OH                          44035                         1                      2                       10/1/2006                      9/1/2021                     7/24/2006                        2/1/2007
     405.24                       40810.96                       41000                    11.475                  WATERFORD TOWNSHIP                                              MI                          48329                         1                      2                       11/1/2006                     10/1/2021                     7/15/2006                        2/1/2007
        409                       41246.41                       41300                      11.5                  OXFORD TWP.                                                     MI                          48371                         1                      2                       11/1/2006                     10/1/2021                     4/10/2006                        2/1/2007
     256.68                       24970.76                       25000                    11.975                  EDWARDSVILLE                                                    IL                          62025                         1                      2                       11/1/2006                     10/1/2021                      7/7/2006                        2/1/2007
     410.68                       39953.26                       40000                    11.975                  DETROIT                                                         MI                          48235                         1                      2                       11/1/2006                     10/1/2021                     7/24/2006                        2/1/2007
     370.89                       34433.93                       34500                      12.6                  SALINA                                                          KS                          67401                         1                      2                       11/1/2006                     10/1/2021                     6/15/2006                        2/1/2007
     396.56                       42616.36                       43000                      10.6                  CLINTON                                                         MI                          49236                         1                      2                       11/1/2006                     10/1/2021                     7/25/2006                        2/1/2007
     698.77                       64933.89                       65000                      12.6                  MANAHAWKIN                                                      NJ                           8050                         1                      2                       11/1/2006                     10/1/2021                     7/26/2006                        2/1/2007
     448.25                       41967.41                       42000                      12.5                  JIM THORPE                                                      PA                          18229                         1                      2                       12/1/2006                     11/1/2021                     7/26/2006                        2/1/2007
      99.42                         9151.5                       10000                     11.55                  AKRON                                                           OH                          44314                         1                      2                       10/1/2006                      9/1/2021                     7/27/2006                        2/1/2007
     188.13                       17486.72                       17500                      12.6                  MUSKEGON                                                        MI                          49444                         1                      2                       12/1/2006                     11/1/2021                     7/27/2006                        2/1/2007
     302.45                       30542.27                       30600                    11.475                  PANAMA CITY                                                     FL                          32404                         1                      2                       11/1/2006                     10/1/2021                     7/28/2006                        2/1/2007
     483.77                       44965.83                       45000                      12.6                  SOUTHFIELD                                                      MI                          48076                         1                      2                       12/1/2006                     11/1/2021                      7/8/2006                        2/1/2007
     387.71                       38937.14                       39000                     11.55                  CLEVELAND                                                       OH                          44121                         1                      2                       10/1/2006                      9/1/2021                     6/29/2006                        2/1/2007
     329.36                       31164.49                       31200                     12.35                  SHELBY TOWNSHIP                                                 MI                          48316                         1                      2                       11/1/2006                     10/1/2021                     6/29/2006                        2/1/2007
     150.98                       17774.05                       17800                       9.6                  FALLON                                                          NV                          89406                         1                      2                       12/1/2006                     11/1/2021                     6/30/2006                        2/1/2007
     160.18                       14887.02                       14900                      12.6                  FAYETTEVILLE                                                    NC                          28304                         1                      2                       12/1/2006                     11/1/2021                      7/1/2006                        2/1/2007
     323.03                       32966.98                       33000                     11.35                  CHESTERFIELD TOWNSHIP                                           MI                          48047                         1                      2                       12/1/2006                     11/1/2021                      7/5/2006                        2/1/2007
     155.29                       14538.69                       14550                      12.5                  ROCHESTER HILLS                                                 MI                          48309                         1                      2                       12/1/2006                     11/1/2021                      7/6/2006                        2/1/2007
     274.83                       25158.29                       25200                      12.8                  PARMA                                                           OH                          44134                         1                      2                       10/1/2006                      9/1/2021                     6/16/2006                        2/1/2007
     339.71                       31567.86                       31600                      12.6                  WEST SENECA                                                     NY                          14224                         1                      2                       11/1/2006                     10/1/2021                     7/10/2006                        2/1/2007
     594.41                       55925.59                       56000                    12.425                  UNIONTOWN                                                       OH                          44685                         1                      2                       10/1/2006                      9/1/2021                     7/10/2006                        2/1/2007
      278.5                        25966.4                       26000                     12.55                  WELLINGTON                                                      OH                          44090                         1                      2                       10/1/2006                      9/1/2021                     7/17/2006                        2/1/2007
     665.26                       60925.45                       61000                      12.8                  SPRINGBORO                                                      OH                          45066                         1                      2                       10/1/2006                      9/1/2021                     7/10/2006                        2/1/2007
    1062.57                       99071.83                       99200                     12.55                  INDEPENDENCE                                                    OH                          44131                         1                      2                       10/1/2006                      9/1/2021                     7/16/2006                        2/1/2007
     460.11                       42756.48                       42800                      12.6                  BUTLER                                                          PA                          16002                         1                      2                       11/1/2006                     10/1/2021                     7/11/2006                        2/1/2007
     201.68                       18974.73                       19000                    12.425                  NORTH OLMSTED                                                   OH                          44070                         1                      2                       10/1/2006                      9/1/2021                     7/11/2006                        2/1/2007
      305.5                       30103.98                       30150                      11.8                  BRECKSVILLE                                                     OH                          44141                         1                      2                       10/1/2006                      9/1/2021                     7/12/2006                        2/1/2007
     150.87                       17260.43                       17300                     9.925                  AKRON                                                           OH                          44305                         1                      2                       10/1/2006                      9/1/2021                     6/23/2006                        2/1/2007
    1746.28                      172787.63                      173000                     11.75                  MOUNT VERNON                                                    NY                          10552                         1                      2                       11/1/2006                     10/1/2021                     7/12/2006                        2/1/2007
     268.49                        24949.6                       24975                      12.6                  POCATELLO                                                       ID                          83201                         1                      2                       11/1/2006                     10/1/2021                     7/11/2006                        2/1/2007
     348.99                       31909.34                       32000                      12.8                  TOLEDO                                                          OH                          43606                         1                      2                       10/1/2006                      9/1/2021                     7/13/2006                        2/1/2007
     212.86                       19779.85                       19800                      12.6                  WARREN                                                          MI                          48089                         1                      2                       11/1/2006                     10/1/2021                     7/17/2006                        2/1/2007
     365.51                       33965.42                       34000                      12.6                  ALBUQUERQUE                                                     NM                          87120                         1                      2                       11/1/2006                     10/1/2021                     7/27/2006                        2/1/2007
     516.65                       47739.93                       47800                    12.675                  BRUNSWICK                                                       OH                          44212                         1                      2                       10/1/2006                      9/1/2021                     7/10/2006                        2/1/2007
     348.32                       45199.53                       45300                       8.5                  ANN ARBOR                                                       MI                          48104                         1                      2                       12/1/2006                     11/1/2021                     4/17/2006                        2/1/2007
     552.23                        62290.5                       62400                      10.1                  ROCK SPRINGS                                                    WY                          82901                         1                      2                       11/1/2006                     10/1/2021                     8/28/2006                        2/1/2007
     580.52                       53944.56                       54000                      12.6                  FREDERICK                                                       MD                          21701                         1                      2                       11/1/2006                     10/1/2021                     8/28/2006                        2/1/2007
     576.22                       53559.32                       53600                      12.6                  LACEY                                                           WA                          98503                         1                      2                       12/1/2006                     11/1/2021                     8/28/2006                        2/1/2007
        171                       16481.21                       16500                      12.1                  SALLISAW                                                        OK                          74955                         1                      2                       11/1/2006                     10/1/2021                     8/31/2006                        2/1/2007
     635.69                       61746.39                       61800                        12                  ANGEL FIRE                                                      NM                          87710                         1                      2                       12/1/2006                     11/1/2021                     8/28/2006                        2/1/2007
     537.52                       49962.05                       50000                      12.6                  RENTON                                                          WA                          98059                         1                      2                       12/1/2006                     11/1/2021                      9/9/2006                        2/1/2007
     679.42                       62828.09                       63200                      12.6                  HIGHLAND TWP.                                                   MI                          48356                         1                      2                       12/1/2006                     11/1/2021                     8/15/2006                        2/1/2007
     300.42                        31877.3                       31925                     10.85                  CASPER                                                          WY                          82601                         1                      2                       11/1/2006                     10/1/2021                     8/28/2006                        2/1/2007
     217.65                       23562.78                       23600                      10.6                  SHAWBORO                                                        NC                          27973                         1                      2                       11/1/2006                     10/1/2021                     8/28/2006                        2/1/2007
     326.81                       30369.08                       30400                      12.6                  PALMER                                                          AK                          99645                         1                      2                       11/1/2006                     10/1/2021                     8/28/2006                        2/1/2007
     284.44                       26672.09                       26700                    12.475                  TULSA                                                           OK                          74106                         1                      2                       11/1/2006                     10/1/2021                     8/28/2006                        2/1/2007
     278.37                       28969.36                       29000                      11.1                  STERLING HEIGHTS                                                MI                          48313                         1                      2                       12/1/2006                     11/1/2021                      8/9/2006                        2/1/2007
     304.24                       28271.19                       28300                      12.6                  OXFORD                                                          MS                          38655                         1                      2                       11/1/2006                     10/1/2021                     8/29/2006                        2/1/2007
     781.75                       75934.09                       76000                        12                  JASPER                                                          GA                          30143                         1                      2                       12/1/2006                     11/1/2021                     8/28/2006                        2/1/2007
     350.07                       32774.53                       32800                      12.5                  YPSILANTI                                                       MI                          48198                         1                      2                       12/1/2006                     11/1/2021                     8/28/2006                        2/1/2007
     776.02                       99760.02                      100000                       8.6                  GREAT FALLS                                                     VA                          22066                         1                      2                       11/1/2006                     10/1/2021                     7/24/2006                        2/1/2007
     198.74                       21524.63                       21550                      10.6                  BRANCHBURG TWP.                                                 NJ                           8876                         1                      2                       12/1/2006                     11/1/2021                     8/12/2006                        2/1/2007
     406.67                       48899.32                       49000                      9.35                  GILBERT                                                         AZ                          85234                         1                      2                       11/1/2006                     10/1/2021                      8/3/2006                        2/1/2007
     313.35                       31370.26                       31400                      11.6                  NEW CASTLE                                                      DE                          19720                         1                      2                       12/1/2006                     11/1/2021                     8/25/2006                        2/1/2007
     460.23                       43869.53                       44000                    12.225                  LIVONIA                                                         MI                          48154                         1                      2                       11/1/2006                     10/1/2021                     8/29/2006                        2/1/2007
     200.84                       21973.37                       22000                    10.475                  WATSON                                                          MI                          49328                         1                      2                       12/1/2006                     11/1/2021                     8/11/2006                        2/1/2007
      144.5                       16477.79                       16500                     9.975                  COLUMBUS                                                        GA                          31909                         1                      2                       12/1/2006                     11/1/2021                      9/1/2006                        2/1/2007
     359.06                       33366.02                       33400                      12.6                  OVERLAND PARK                                                   KS                          66204                         1                      2                       11/1/2006                     10/1/2021                     8/29/2006                        2/1/2007
     677.27                       62935.92                       63000                      12.6                  SUWANEE                                                         GA                          30024                         1                      2                       11/1/2006                     10/1/2021                     8/24/2006                        2/1/2007
     593.69                       55168.81                       55225                      12.6                  GREENWOOD LAKE                                                  NY                          10925                         1                      2                       11/1/2006                     10/1/2021                     8/19/2006                        2/1/2007
     322.51                       29969.48                       30000                      12.6                  ROMULUS                                                         MI                          48174                         1                      2                       11/1/2006                     10/1/2021                     8/15/2006                        2/1/2007
     559.02                       51959.53                       52000                      12.6                  SPANAWAY                                                        WA                          98387                         1                      2                       12/1/2006                     11/1/2021                     8/27/2006                        2/1/2007
     110.27                       12981.04                       13000                       9.6                  KALISPELL                                                       MT                          59901                         1                      2                       12/1/2006                     11/1/2021                     8/28/2006                        2/1/2007
     374.11                        34773.6                       34800                      12.6                  CLAYTON                                                         NC                          27520                         1                      2                       12/1/2006                     11/1/2021                     8/17/2006                        2/1/2007
     217.63                       20970.92                       21000                      12.1                  WYANDOTTE                                                       MI                          48192                         1                      2                       11/1/2006                     10/1/2021                     8/29/2006                        2/1/2007
     187.89                        18278.6                       18300                    11.975                  ALGONAC                                                         MI                          48001                         1                      2                       11/1/2006                     10/1/2021                     7/29/2006                        2/1/2007
     367.27                       41427.17                       41500                      10.1                  OCOEE                                                           FL                          34761                         1                      2                       11/1/2006                     10/1/2021                     8/23/2006                        2/1/2007
     402.74                        47903.9                       48000                     9.475                  MCMINNVILLE                                                     OR                          97128                         1                      2                       11/1/2006                     10/1/2021                     8/18/2006                        2/1/2007
     612.77                       56956.74                       57000                      12.6                  BLAKESLEE                                                       PA                          18610                         1                      2                       12/1/2006                     11/1/2021                     8/31/2006                        2/1/2007
     534.99                       51418.26                       52600                     11.85                  SUWANEE                                                         GA                          30024                         1                      2                       12/1/2006                     11/1/2021                      9/7/2006                        2/1/2007
     214.43                       20482.48                       20500                    12.225                  WARREN                                                          MI                          48089                         1                      2                       12/1/2006                     11/1/2021                     8/29/2006                        2/1/2007
     725.74                       67929.27                       68000                      12.5                  CHEYENNE                                                        WY                          82009                         1                      2                       11/1/2006                     10/1/2021                      9/7/2006                        2/1/2007
     287.58                       34149.11                       34200                       9.5                  INDEPENDENCE TOWNSHIP                                           MI                          48348                         1                      2                       12/1/2006                     11/1/2021                     8/30/2006                        2/1/2007
     320.76                       35446.67                       35500                     10.35                  ALLEN PARK                                                      MI                          48101                         1                      2                       12/1/2006                     11/1/2021                     8/29/2006                        2/1/2007
     478.39                       44454.73                       44500                      12.6                  DETROIT                                                         MI                          48227                         1                      2                       11/1/2006                     10/1/2021                      9/7/2006                        2/1/2007
     252.53                       25660.25                       26000                     11.25                  MONROE                                                          MI                          48162                         1                      2                       12/1/2006                     11/1/2021                     8/30/2006                        2/1/2007
     245.16                       25971.14                       26000                    10.875                  SWARTZ CREEK                                                    MI                          48473                         1                      2                       12/1/2006                     11/1/2021                      9/7/2006                        2/1/2007
     220.53                       25962.11                       26000                       9.6                  TAYLOR                                                          MI                          48180                         1                      2                       12/1/2006                     11/1/2021                     8/30/2006                        2/1/2007
     475.67                       51937.45                       52000                      10.5                  IRVINGTON TWP                                                   NJ                           7111                         1                      2                       12/1/2006                     11/1/2021                      8/2/2006                        2/1/2007
     376.26                       34960.59                       35000                      12.6                  CANTON                                                          MI                          48188                         1                      2                       11/1/2006                     10/1/2021                     8/30/2006                        2/1/2007
     249.41                        23176.4                       23200                      12.6                  CAZENOVIA                                                       NY                          13035                         1                      2                       11/1/2006                     10/1/2021                     8/28/2006                        2/1/2007
     820.78                       88840.48                       89000                      10.6                  BROOKLYN BOROUGH                                                NY                          11211                         2                      2                       11/1/2006                     10/1/2021                     8/31/2006                        2/1/2007
     430.01                       39969.65                       40000                      12.6                  LANSING                                                         MI                          48917                         1                      2                       12/1/2006                     11/1/2021                     8/30/2006                        2/1/2007
     615.54                       63605.26                       64000                    11.125                  BURLINGTON                                                      NJ                           8016                         1                      2                       11/1/2006                     10/1/2021                     8/21/2006                        2/1/2007
    1337.22                      143086.73                      143250                     10.75                  CLIFTON                                                         VA                          20124                         1                      2                       12/1/2006                     11/1/2021                      9/8/2006                        2/1/2007
     706.83                       65682.45                       65750                      12.6                  BOROUGH OF JESSUP                                               PA                          18403                         1                      2                       11/1/2006                     10/1/2021                     8/29/2006                        2/1/2007
     134.14                       12767.96                       12800                     12.25                  HINESVILLE                                                      GA                          31313                         1                      2                       11/1/2006                     10/1/2021                     8/29/2006                        2/1/2007
     378.95                       35223.25                       35250                      12.6                  LIVONIA                                                         MI                          48154                         1                      2                       12/1/2006                     11/1/2021                     7/18/2006                        2/1/2007
        253                        27953.4                       28000                     10.35                  LAKEWOOD TWP.                                                   NJ                           8701                         1                      2                       11/1/2006                     10/1/2021                     8/14/2006                        2/1/2007
     431.25                       42361.98                       42400                     11.85                  MOUNT LAUREL TWP.                                               NJ                           8054                         1                      2                       12/1/2006                     11/1/2021                     8/29/2006                        2/1/2007
     333.26                       30968.47                       31000                      12.6                  SWARTZ CREEK                                                    MI                          48473                         1                      2                       11/1/2006                     10/1/2021                     8/28/2006                        2/1/2007
     281.66                       26180.11                       26200                      12.6                  LYNNWOOD                                                        WA                          98087                         1                      2                       12/1/2006                     11/1/2021                     8/29/2006                        2/1/2007
     275.25                       29206.28                       29250                     10.85                  WEST BLOOMFIELD                                                 MI                          48322                         1                      2                       11/1/2006                     10/1/2021                     8/15/2006                        2/1/2007
     300.04                       29464.57                       29500                     11.85                  BROWN CITY                                                      MI                          48416                         1                      2                       11/1/2006                     10/1/2021                     8/30/2006                        2/1/2007
     285.03                       26970.94                       27000                     12.35                  EASTPOINTE                                                      MI                          48021                         1                      2                       11/1/2006                     10/1/2021                     8/30/2006                        2/1/2007
     976.55                       91425.48                       91500                      12.5                  SLATE HILL                                                      NY                          10973                         1                      2                       12/1/2006                     11/1/2021                     7/24/2006                        2/1/2007
     298.86                       27756.47                       27800                      12.6                  SPERRY                                                          OK                          74073                         1                      2                       11/1/2006                     10/1/2021                      8/9/2006                        2/1/2007
     202.69                       19184.57                       19200                     12.35                  MONTGOMERY                                                      AL                          36117                         1                      2                       12/1/2006                     11/1/2021                      9/1/2006                        2/1/2007
     197.63                       23242.25                       23300                       9.6                  PLATTE CITY                                                     MO                          64079                         1                      2                       11/1/2006                     10/1/2021                     8/22/2006                        2/1/2007
    1139.53                      105919.57                      106000                      12.6                  BEAR                                                            DE                          19701                         1                      2                       12/1/2006                     11/1/2021                     8/23/2006                        2/1/2007
      578.8                       57926.41                       58000                      11.6                  CLOVIS                                                          CA                          93612                         1                      2                       11/1/2006                     10/1/2021                     8/22/2006                        2/1/2007
     381.93                       37149.14                       37200                    11.975                  ATHENS                                                          GA                          30605                         1                      2                       12/1/2006                     11/1/2021                     8/31/2006                        2/1/2007
     269.19                       30957.39                       31000                     9.875                  REDFORD                                                         MI                          48240                         1                      2                       12/1/2006                     11/1/2021                     7/19/2006                        2/1/2007
     109.99                       13677.25                       13700                     8.975                  ORLANDO                                                         FL                          32808                         1                      2                       12/1/2006                     11/1/2021                      8/1/2006                        2/1/2007
     183.32                       20464.98                       20500                    10.225                  JACKSON                                                         MI                          49201                         1                      2                       11/1/2006                     10/1/2021                     8/22/2006                        2/1/2007
     109.97                       11881.32                       11900                    10.625                  OAK PARK                                                        MI                          48237                         1                      2                       11/1/2006                     10/1/2021                      9/5/2006                        2/1/2007
     161.16                       15088.27                       15100                      12.5                  LINN CREEK                                                      MO                          65052                         1                      2                       12/1/2006                     11/1/2021                     8/22/2006                        2/1/2007
     580.52                       53959.01                       54000                      12.6                  WEBSTER                                                         NY                          14580                         1                      2                       12/1/2006                     11/1/2021                     9/16/2006                        2/1/2007
     415.54                        47364.5                       47450                     9.975                  BINGHAM TOWNSHIP                                                MI                          48879                         1                      2                       11/1/2006                     10/1/2021                     8/22/2006                        2/1/2007
     154.28                       16879.54                       16900                    10.475                  IDAHO FALLS                                                     ID                          83406                         1                      2                       12/1/2006                     11/1/2021                     8/22/2006                        2/1/2007
     584.49                       56304.22                       56400                      12.1                  ANCHORAGE                                                       AK                          99502                         1                      2                       11/1/2006                     10/1/2021                     8/22/2006                        2/1/2007
     397.76                       36971.92                       37000                      12.6                  ROYAL OAK                                                       MI                          48067                         1                      2                       12/1/2006                     11/1/2021                     8/25/2006                        2/1/2007
     328.72                       30776.09                       30800                      12.5                  FAYETTE                                                         AL                          35555                         1                      2                       12/1/2006                     11/1/2021                      8/1/2006                        2/1/2007
     171.34                       17816.09                       17850                      11.1                  ALPINE TOWNSHIP                                                 MI                          49321                         1                      2                       11/1/2006                     10/1/2021                     8/25/2006                        2/1/2007
      279.9                       32951.91                       33000                       9.6                  LAKE ORION                                                      MI                          48362                         1                      2                       12/1/2006                     11/1/2021                     8/22/2006                        2/1/2007
     117.31                       12821.41                       12850                    10.475                  LAKE ORION                                                      MI                          48362                         1                      2                       11/1/2006                     10/1/2021                     8/25/2006                        2/1/2007
     323.15                       33958.51                       34000                    10.975                  CASPER                                                          WY                          82601                         1                      2                       12/1/2006                     11/1/2021                     8/18/2006                        2/1/2007
     153.88                       18263.55                       18300                       9.5                  ROSCOMMON                                                       MI                          48653                         1                      2                       11/1/2006                     10/1/2021                      9/8/2006                        2/1/2007
     733.41                       78604.17                       78725                    10.725                  WESTON                                                          FL                          33327                         1                      2                       11/1/2006                     10/1/2021                     8/20/2006                        2/1/2007
     244.67                       25655.66                       26000                     10.85                  SOUTHFIELD                                                      MI                          48034                         1                      2                       11/1/2006                     10/1/2021                     8/15/2006                        2/1/2007
      704.4                       65931.34                       66000                      12.5                  AURORA                                                          CO                          80013                         1                      2                       11/1/2006                     10/1/2021                     9/13/2006                        2/1/2007
     379.49                       35213.39                       35300                      12.6                  LAWRENCEVILLE                                                   GA                          30043                         1                      2                       11/1/2006                     10/1/2021                      9/5/2006                        2/1/2007
     386.74                       35947.71                       35975                      12.6                  WATERFORD TWP                                                   MI                          48329                         1                      2                       12/1/2006                     11/1/2021                     8/21/2006                        2/1/2007
     402.67                       45419.15                       45500                      10.1                  ASHFORD                                                         AL                          36312                         1                      2                       11/1/2006                     10/1/2021                     8/21/2006                        2/1/2007
     677.76                       65344.52                       65400                      12.1                  FORT MYERS                                                      FL                          33912                         1                      2                       12/1/2006                     11/1/2021                      9/6/2006                        2/1/2007
        702                       65233.56                       65300                      12.6                  SELDEN                                                          NY                          11784                         1                      2                       11/1/2006                     10/1/2021                     8/21/2006                        2/1/2007
     362.87                       33964.64                       34000                      12.5                  JACKSONVILLE                                                    FL                          32244                         1                      2                       11/1/2006                     10/1/2021                     8/21/2006                        2/1/2007
     826.32                       78911.26                       79000                    12.225                  VALDOSTA                                                        GA                          31602                         1                      2                       11/1/2006                     10/1/2021                     8/21/2006                        2/1/2007
     290.26                       26979.51                       27000                      12.6                  OGDEN                                                           UT                          84401                         1                      2                       12/1/2006                     11/1/2021                     9/18/2006                        2/1/2007
     439.69                       40857.76                       40900                      12.6                  VALDOSTA                                                        GA                          31605                         1                      2                       11/1/2006                     10/1/2021                     8/21/2006                        2/1/2007
     169.86                       15783.91                       15800                      12.6                  WHITE SULPHUR SPRINGS                                           WV                          24986                         1                      2                       11/1/2006                     10/1/2021                      7/6/2006                        2/1/2007
     544.38                       51048.71                       51100                    12.475                  CLINTON TWP                                                     MI                          48035                         1                      2                       12/1/2006                     11/1/2021                     9/18/2006                        2/1/2007
     327.51                       31687.17                       32200                     11.85                  LAPEER                                                          MI                          48446                         1                      2                       11/1/2006                     10/1/2021                     8/21/2006                        2/1/2007
     458.93                       42966.62                       43000                      12.5                  MIDLOTHIAN                                                      VA                          23112                         1                      2                       12/1/2006                     11/1/2021                     8/24/2006                        2/1/2007
     170.77                       15987.56                       16000                      12.5                  BRIGHTON                                                        MI                          48116                         1                      2                       12/1/2006                     11/1/2021                     9/12/2006                        2/1/2007
     276.65                       27167.32                       27200                     11.85                  REDFORD                                                         MI                          48239                         1                      2                       11/1/2006                     10/1/2021                     8/23/2006                        2/1/2007
     724.42                       67928.89                       68000                    12.475                  EDGEWOOD                                                        NM                          87015                         1                      2                       11/1/2006                     10/1/2021                     7/19/2006                        2/1/2007
     225.91                       26866.92                       26925                     9.475                  GAINES                                                          MI                          48436                         1                      2                       11/1/2006                     10/1/2021                     8/22/2006                        2/1/2007
       99.8                        9990.52                       10000                      11.6                  DELAND                                                          FL                          32724                         1                      2                       12/1/2006                     11/1/2021                     8/10/2006                        2/1/2007
     330.15                       37632.08                       37700                     9.975                  COLUMBUS                                                        GA                          31909                         1                      2                       11/1/2006                     10/1/2021                      9/5/2006                        2/1/2007
     275.36                       25773.14                       25800                      12.5                  ROSWELL                                                         NM                          88203                         1                      2                       11/1/2006                     10/1/2021                     8/24/2006                        2/1/2007
     248.94                       22772.57                       23800                    12.225                  STERLING HEIGHTS                                                MI                          48313                         1                      2                       11/1/2006                     10/1/2021                     8/24/2006                        2/1/2007
     417.01                       40954.18                       41000                     11.85                  WICHITA                                                         KS                          67235                         1                      2                       12/1/2006                     11/1/2021                     9/12/2006                        2/1/2007
     655.77                       60937.95                       61000                      12.6                  DULUTH                                                          GA                          30096                         1                      2                       11/1/2006                     10/1/2021                      8/7/2006                        2/1/2007
     376.55                        35960.2                       36000                    12.225                  WAYLAND                                                         MI                          49348                         1                      2                       11/1/2006                     10/1/2021                     9/11/2006                        2/1/2007
     152.67                       17809.35                       18000                       9.6                  BOWIE                                                           MD                          20721                         1                      2                       11/1/2006                     10/1/2021                     8/24/2006                        2/1/2007
     841.89                       81904.19                       82000                    11.975                  MECHANICSVILLE                                                  MD                          20659                         1                      2                       11/1/2006                     10/1/2021                     9/11/2006                        2/1/2007
      293.5                       27478.66                       27500                      12.5                  JACKSONVILLE                                                    FL                          32244                         1                      2                       12/1/2006                     11/1/2021                     9/11/2006                        2/1/2007
     401.16                       38966.19                       39000                        12                  OCEANSIDE                                                       CA                          92057                         1                      2                       12/1/2006                     11/1/2021                     7/26/2006                        2/1/2007
     502.04                        46652.5                       46700                      12.6                  EAST WINDSOR TOWNSHIP                                           NJ                           8520                         1                      2                       11/1/2006                     10/1/2021                     8/23/2006                        2/1/2007
     303.16                       28171.32                       28200                      12.6                  REDFORD                                                         MI                          48239                         1                      2                       11/1/2006                     10/1/2021                      9/7/2006                        2/1/2007
      282.2                       26230.08                       26250                      12.6                  SEWICKLEY                                                       PA                          15143                         1                      2                       12/1/2006                     11/1/2021                     8/23/2006                        2/1/2007
        773                       82847.67                       82975                    10.725                  NORTHVILLE TOWNSHIP                                             MI                          48167                         1                      2                       11/1/2006                     10/1/2021                     8/23/2006                        2/1/2007
    1290.03                      119908.96                      120000                      12.6                  SOUTH LYON                                                      MI                          48178                         1                      2                       12/1/2006                     11/1/2021                     9/13/2006                        2/1/2007
     550.71                       51559.95                       51600                      12.5                  VIRGINIA BEACH                                                  VA                          23464                         1                      2                       12/1/2006                     11/1/2021                      9/5/2006                        2/1/2007
     353.54                       33761.29                       33800                    12.225                  ACUSHNET                                                        MA                           2743                         1                      2                       12/1/2006                     11/1/2021                      9/6/2006                        2/1/2007
     560.65                       54038.52                       54100                      12.1                  BROWNSTOWN TOWNSHIP                                             MI                          48183                         1                      2                       11/1/2006                     10/1/2021                     8/23/2006                        2/1/2007
     387.01                       35972.69                       36000                      12.6                  ORION VILLAGE                                                   MI                          48362                         1                      2                       12/1/2006                     11/1/2021                     8/24/2006                        2/1/2007
     251.54                        26786.6                       27000                    10.725                  RIVERVIEW                                                       MI                          48193                         1                      2                       11/1/2006                     10/1/2021                     8/23/2006                        2/1/2007
     426.91                       39958.38                       40000                      12.5                  MONROE                                                          MI                          48162                         1                      2                       11/1/2006                     10/1/2021                      9/6/2006                        2/1/2007
    1293.26                      120208.71                      120300                      12.6                  STERLING                                                        VA                          20164                         1                      2                       12/1/2006                     11/1/2021                      9/7/2006                        2/1/2007
      544.1                       63976.45                       64150                       9.6                  NOME                                                            AK                          99762                         3                      2                       11/1/2006                     10/1/2021                     7/11/2006                        2/1/2007
     766.83                       71775.28                       71850                      12.5                  WEST BLOOMFIELD                                                 MI                          48322                         1                      2                       11/1/2006                     10/1/2021                      9/6/2006                        2/1/2007
     269.03                       24950.34                       25025                      12.6                  WESTLAND                                                        MI                          48186                         1                      2                       11/1/2006                     10/1/2021                      9/5/2006                        2/1/2007
     683.07                       77859.49                       78000                     9.975                  ENGLEWOOD                                                       FL                          34223                         1                      2                       11/1/2006                     10/1/2021                      9/7/2006                        2/1/2007
     423.46                       44820.55                       45000                     10.85                  YULEE                                                           FL                          32097                         1                      2                       12/1/2006                     11/1/2021                      9/6/2006                        2/1/2007
     262.46                        26266.6                       26300                      11.6                  PECULIAR                                                        MO                          64078                         1                      2                       11/1/2006                     10/1/2021                      7/5/2006                        2/1/2007
     240.32                       24507.11                       24550                     11.35                  MUSKEGON                                                        MI                          49442                         1                      2                       11/1/2006                     10/1/2021                      9/5/2006                        2/1/2007
     919.15                        85412.2                       85500                      12.6                  FREDERICKSBRG                                                   VA                          22405                         1                      2                       11/1/2006                     10/1/2021                      7/5/2006                        2/1/2007
      994.4                       92394.43                       92500                      12.6                  UTICA                                                           NY                          13502                         1                      2                       11/1/2006                     10/1/2021                      9/6/2006                        2/1/2007
     257.42                       26373.29                       26400                      11.3                  OKLAHOMA CITY                                                   OK                          73118                         1                      2                       12/1/2006                     11/1/2021                      7/5/2006                        2/1/2007
    1952.16                      178825.93                      179000                      12.8                  PASADENA                                                        MD                          21122                         1                      2                       11/1/2006                     10/1/2021                      7/7/2006                        2/1/2007
     231.45                        21901.4                       21925                     12.35                  OAK PARK                                                        MI                          48237                         1                      2                       11/1/2006                     10/1/2021                     9/14/2006                        2/1/2007
     691.67                       74881.76                       75000                      10.6                  FAIR HAVEN                                                      NJ                           7704                         1                      2                       11/1/2006                     10/1/2021                     9/11/2006                        2/1/2007
     203.77                        26401.9                       26500                       8.5                  WASILLA                                                         AK                          99654                         1                      2                        9/1/2006                      8/1/2021                      6/7/2006                        2/1/2007
     816.17                       77472.14                       77600                      12.3                  DEARBORN HEIGHTS                                                MI                          48125                         1                      2                        9/1/2006                      8/1/2021                      6/2/2006                        2/1/2007
     270.55                       26576.15                       26600                     11.85                  BARDSTOWN                                                       KY                          40004                         1                      2                       12/1/2006                     11/1/2021                     9/12/2006                        2/1/2007
      319.6                        29761.7                       30000                    12.475                  SNELLVILLE                                                      GA                          30039                         1                      2                       12/1/2006                     11/1/2021                     9/13/2006                        2/1/2007
     482.41                        45164.9                       45200                      12.5                  CHESAPEAKE                                                      VA                          23321                         1                      2                       12/1/2006                     11/1/2021                     9/15/2006                        2/1/2007
    1067.26                       98765.48                      100000                      12.5                  SPARKS GLENCOE                                                  MD                          21152                         1                      2                       12/1/2006                     11/1/2021                     9/16/2006                        2/1/2007
     511.76                       47912.77                       47950                      12.5                  SAGINAW                                                         MI                          48602                         1                      2                       12/1/2006                     11/1/2021                     9/19/2006                        2/1/2007
     177.43                       19177.51                       19200                    10.625                  ELBERTA                                                         AL                          36530                         1                      2                       12/1/2006                     11/1/2021                     8/29/2006                        2/1/2007
     240.85                       29933.36                       30000                     8.975                  LAS VEGAS                                                       NV                          89139                         1                      2                       11/1/2006                     10/1/2021                     9/11/2006                        2/1/2007
     597.11                       60918.25                       61000                     11.35                  VIRGINIA CITY                                                   NV                          89440                         1                      2                       11/1/2006                     10/1/2021                      9/7/2006                        2/1/2007
     548.87                       54930.05                       55000                      11.6                  CHUBBUCK                                                        ID                          83202                         1                      2                       11/1/2006                     10/1/2021                      9/7/2006                        2/1/2007
     617.17                       70380.17                       70475                     9.975                  ANCHORAGE                                                       AK                          99515                         1                      2                       12/1/2006                     11/1/2021                      9/7/2006                        2/1/2007
      454.9                       42666.46                       42700                    12.475                  CLARKS SUMMIT                                                   PA                          18411                         1                      2                       12/1/2006                     11/1/2021                      9/8/2006                        2/1/2007
     623.52                        57878.7                       58000                      12.6                  PHOENIX                                                         AZ                          85048                         1                      2                       12/1/2006                     11/1/2021                      9/8/2006                        2/1/2007
      283.4                       35221.58                       35300                     8.975                  ROANOKE                                                         VA                          24017                         1                      2                       11/1/2006                     10/1/2021                     9/11/2006                        2/1/2007
     236.39                       22581.35                       22600                    12.225                  SALINE                                                          MI                          48176                         1                      2                       12/1/2006                     11/1/2021                     9/11/2006                        2/1/2007
    1412.84                      140303.71                      140500                      11.7                  JACKSONVILLE                                                    AL                          36265                         1                      2                       11/1/2006                     10/1/2021                     6/13/2006                        2/1/2007
    1306.17                      153560.63                      154000                       9.6                  PHOENIX                                                         AZ                          85024                         1                      2                       11/1/2006                     10/1/2021                     7/11/2006                        2/1/2007
     169.64                       19904.44                       20000                       9.6                  WINDSOR                                                         VT                           5089                         1                      2                       12/1/2006                     11/1/2021                     6/14/2006                        2/1/2007
     874.54                       81267.26                       81350                      12.6                  INDEPENDENCE TWP.                                               MI                          48348                         1                      2                       11/1/2006                     10/1/2021                     6/12/2006                        2/1/2007
     189.67                       23916.46                       24000                       8.8                  LAGRANGE                                                        GA                          30240                         1                      2                        9/1/2006                      8/1/2021                      7/3/2006                        2/1/2007
     324.02                       36747.71                       37000                     9.975                  ELMORE                                                          AL                          36025                         1                      2                       12/1/2006                     11/1/2021                      9/9/2006                        2/1/2007
     369.39                       39589.12                       39650                    10.725                  LATROBE                                                         PA                          15650                         1                      2                       11/1/2006                     10/1/2021                     8/10/2006                        2/1/2007
     376.26                       34940.42                       35000                      12.6                  BATH                                                            MI                          48808                         1                      2                       11/1/2006                     10/1/2021                     8/14/2006                        2/1/2007
    1608.67                      160995.45                      161200                      11.6                  UPLAND                                                          CA                          91784                         1                      2                       11/1/2006                     10/1/2021                     8/24/2006                        2/1/2007
     532.34                       51789.42                       51850                    11.975                  MURRIETA                                                        CA                          92563                         1                      2                       11/1/2006                     10/1/2021                     8/14/2006                        2/1/2007
     937.49                       87717.15                       88000                    12.475                  JEFFERSON CITY                                                  MO                          65109                         1                      2                       11/1/2006                     10/1/2021                     8/13/2006                        2/1/2007
     302.89                       28131.04                       28175                      12.6                  KUTZTOWN                                                        PA                          19530                         1                      2                       11/1/2006                     10/1/2021                     8/12/2006                        2/1/2007
     688.02                        63934.9                       64000                      12.6                  DIGHTON                                                         MA                           2715                         1                      2                       11/1/2006                     10/1/2021                     8/25/2006                        2/1/2007
     212.57                       20870.43                       20900                     11.85                  EAST HAMPTON                                                    CT                           6424                         1                      2                       12/1/2006                     11/1/2021                     8/10/2006                        2/1/2007
     872.66                       85696.95                       85800                     11.85                  MACOMB TOWNSHIP                                                 MI                          48044                         1                      2                       11/1/2006                     10/1/2021                     8/24/2006                        2/1/2007
     626.29                        60928.7                       61000                    11.975                  SANDY                                                           OR                          97055                         1                      2                       11/1/2006                     10/1/2021                     8/10/2006                        2/1/2007
     389.91                       42573.73                       42625                      10.5                  PINELLAS PARK                                                   FL                          33781                         1                      2                       12/1/2006                     11/1/2021                     8/14/2006                        2/1/2007
    1018.54                      111440.09                      111575                    10.475                  COLUMBIA                                                        MD                          21044                         1                      2                       12/1/2006                     11/1/2021                      8/9/2006                        2/1/2007
     908.12                       90884.52                       91000                      11.6                  NAPA                                                            CA                          94559                         1                      2                       11/1/2006                     10/1/2021                     8/25/2006                        2/1/2007
      582.4                       74869.91                       75050                       8.6                  ATHOL                                                           ID                          83801                         1                      2                       11/1/2006                     10/1/2021                      8/9/2006                        2/1/2007
     494.98                       49553.02                       49600                      11.6                  WILDWOOD BOROUGH                                                NJ                           8260                         1                      2                       12/1/2006                     11/1/2021                     8/25/2006                        2/1/2007
     645.02                        59923.3                       60000                      12.6                  KENSINGTON                                                      OH                          44427                         1                      2                       10/1/2006                      9/1/2021                      8/8/2006                        2/1/2007
     563.74                       67747.35                       67925                      9.35                  HENDERSON                                                       NV                          89074                         1                      2                       12/1/2006                     11/1/2021                     8/25/2006                        2/1/2007
     731.02                        67948.4                       68000                      12.6                  LODI TOWNSHIP                                                   MI                          48103                         1                      2                       12/1/2006                     11/1/2021                     8/30/2006                        2/1/2007
     849.27                       78918.18                       79000                      12.6                  MACOMB TOWNSHIP                                                 MI                          48042                         1                      2                       11/1/2006                     10/1/2021                     8/25/2006                        2/1/2007
     528.22                       50444.15                       50500                    12.225                  NATCHEZ                                                         MS                          39120                         1                      2                       11/1/2006                     10/1/2021                     8/22/2006                        2/1/2007
     865.13                      101801.11                      102000                       9.6                  BRONX                                                           NY                          10465                         1                      2                       11/1/2006                     10/1/2021                     8/18/2006                        2/1/2007
     404.18                       48579.56                       48700                      9.35                  HARBOR SPRINGS                                                  MI                          49740                         1                      2                       11/1/2006                     10/1/2021                     8/21/2006                        2/1/2007
     475.04                        44951.6                       45000                     12.35                  EAST HARTFORD                                                   CT                           6118                         1                      2                       11/1/2006                     10/1/2021                     8/18/2006                        2/1/2007
     330.57                       29894.41                       30750                      12.6                  MARYSVILLE                                                      MI                          48040                         1                      2                       11/1/2006                     10/1/2021                     8/21/2006                        2/1/2007
     403.14                       37461.84                       37500                      12.6                  SOUTHGATE                                                       MI                          48195                         1                      2                       11/1/2006                     10/1/2021                     8/17/2006                        2/1/2007
     337.02                       31318.13                       31350                      12.6                  MADISON                                                         MS                          39110                         1                      2                       11/1/2006                     10/1/2021                     8/21/2006                        2/1/2007
     428.65                       44990.57                       45100                    10.975                  RACINE                                                          WI                          53406                         1                      2                       11/1/2006                     10/1/2021                     8/17/2006                        2/1/2007
      344.8                       33869.58                       33900                     11.85                  TOPEKA                                                          IN                          46571                         1                      2                       12/1/2006                     11/1/2021                     8/21/2006                        2/1/2007
     561.97                        52207.6                       52275                      12.6                  YORKVILLE                                                       IL                          60560                         1                      2                       11/1/2006                     10/1/2021                     8/24/2006                        2/1/2007
     533.97                       50993.43                       51050                    12.225                  SAUK CITY                                                       WI                          53583                         2                      2                       11/1/2006                     10/1/2021                     8/16/2006                        2/1/2007
     619.76                       57279.71                       57650                      12.6                  WATERFORD TOWNSHIP                                              MI                          48329                         1                      2                       11/1/2006                     10/1/2021                      8/7/2006                        2/1/2007
     905.53                       84813.65                       85000                    12.475                  ROSEVILLE                                                       CA                          95661                         1                      2                       11/1/2006                     10/1/2021                     8/22/2006                        2/1/2007
     318.28                       30963.76                       31000                    11.975                  COMSTOCK                                                        NY                          12821                         1                      2                       11/1/2006                     10/1/2021                     8/16/2006                        2/1/2007
     627.15                       68515.87                       68700                    10.475                  NORTHVILLE                                                      MI                          48167                         1                      2                       11/1/2006                     10/1/2021                     8/16/2006                        2/1/2007
     806.45                       85571.97                       85700                     10.85                  FLEMINGTON                                                      NJ                           8822                         1                      2                       11/1/2006                     10/1/2021                     8/16/2006                        2/1/2007
     204.96                       21974.78                       22000                    10.725                  BRIDGEPORT                                                      CT                           6605                         1                      2                       12/1/2006                     11/1/2021                     8/23/2006                        2/1/2007
    1164.02                      149640.07                      150000                       8.6                  ONTARIO                                                         CA                          91761                         1                      2                       11/1/2006                     10/1/2021                     8/15/2006                        2/1/2007
     426.13                       39947.26                       40000                    12.475                  RICHMOND                                                        VA                          23227                         1                      2                       12/1/2006                     11/1/2021                     8/23/2006                        2/1/2007
     370.89                       34405.33                       34500                      12.6                  LEXINGTON                                                       KY                          40515                         1                      2                       11/1/2006                     10/1/2021                     8/24/2006                        2/1/2007
     215.01                       19953.63                       20000                      12.6                  HOWELL                                                          MI                          48843                         1                      2                       11/1/2006                     10/1/2021                     8/17/2006                        2/1/2007
     812.65                       79379.95                       79450                    11.925                  TACOMA                                                          WA                          98446                         1                      2                       12/1/2006                     11/1/2021                     7/18/2006                        2/1/2007
     277.56                       25425.24                       25450                      12.8                  RAPID CITY                                                      SD                          57701                         1                      2                       11/1/2006                     10/1/2021                      8/7/2006                        2/1/2007
     612.06                       60045.08                       60750                    11.725                  FAIR LAWN                                                       NJ                           7410                         1                      2                       12/1/2006                     11/1/2021                     7/24/2006                        2/1/2007
     592.71                       74812.54                       75000                       8.8                  PAWCATUCK                                                       CT                           6379                         1                      2                       11/1/2006                     10/1/2021                     7/24/2006                        2/1/2007
     552.84                       51366.35                       51425                      12.6                  BLUEMONT                                                        VA                          20135                         1                      2                       11/1/2006                     10/1/2021                     8/31/2006                        2/1/2007
     806.27                       74923.72                       75000                      12.6                  NEW HOPE                                                        PA                          18938                         1                      2                       11/1/2006                     10/1/2021                     7/21/2006                        2/1/2007
     255.76                       28551.12                       28600                    10.225                  GRAND RAPIDS                                                    MI                          49507                         1                      2                       11/1/2006                     10/1/2021                     7/20/2006                        2/1/2007
    1921.07                      179860.35                      180000                      12.5                  AUBURN                                                          WA                          98092                         1                      2                       12/1/2006                     11/1/2021                     8/30/2006                        2/1/2007
     218.12                       19975.55                       20000                      12.8                  BROOKLYN HEIGHTS                                                OH                          44131                         1                      2                       10/1/2006                      9/1/2021                     7/19/2006                        2/1/2007
     897.65                       83431.87                       83500                      12.6                  PUYALLUP                                                        WA                          98374                         1                      2                       12/1/2006                     11/1/2021                      9/1/2006                        2/1/2007
     797.31                       92818.02                       93000                     9.725                  CYPRESS                                                         CA                          90630                         1                      2                       11/1/2006                     10/1/2021                      9/1/2006                        2/1/2007
     509.57                       47351.32                       47400                      12.6                  RAY TWP.                                                        MI                          48096                         1                      2                       11/1/2006                     10/1/2021                     7/17/2006                        2/1/2007
     788.16                       89837.86                       90000                     9.975                  JOPPA                                                           MD                          21085                         1                      2                       11/1/2006                     10/1/2021                      9/5/2006                        2/1/2007
    1254.29                      116586.47                      116675                      12.6                  WEST DES MOINES                                                 IA                          50265                         1                      2                       12/1/2006                     11/1/2021                      9/5/2006                        2/1/2007
     743.06                       69677.06                       69750                    12.475                  LAS VEGAS                                                       NV                          89031                         1                      2                       11/1/2006                     10/1/2021                      9/5/2006                        2/1/2007
    1302.63                      124860.29                      125000                    12.175                  SOUTH BOSTON                                                    MA                           2127                         4                      2                       11/1/2006                     10/1/2021                     7/12/2006                        2/1/2007
     826.31                       99792.36                      100000                       9.3                  VALLEJO                                                         CA                          94589                         1                      2                       11/1/2006                     10/1/2021                     7/20/2006                        2/1/2007
     310.14                       30861.41                       30900                    11.675                  TUCSON                                                          AZ                          85742                         1                      2                       11/1/2006                     10/1/2021                     7/31/2006                        2/1/2007
     435.39                       40436.57                       40500                      12.6                  EUGENE                                                          OR                          97402                         1                      2                       11/1/2006                     10/1/2021                      8/7/2006                        2/1/2007
     567.26                       64647.65                       64775                     9.975                  LIVONIA                                                         MI                          48150                         1                      2                       11/1/2006                     10/1/2021                     4/21/2006                        2/1/2007
     268.76                       24981.02                       25000                      12.6                  MELBOURNE                                                       FL                          32935                         1                      2                       12/1/2006                     11/1/2021                     8/28/2006                        2/1/2007
      326.9                       39871.12                       40000                     9.175                  CACHE                                                           OK                          73527                         1                      2                       12/1/2006                     11/1/2021                      8/4/2006                        2/1/2007
     937.43                        87111.3                       87200                      12.6                  UNION                                                           NJ                           7083                         1                      2                       11/1/2006                     10/1/2021                      8/2/2006                        2/1/2007
     969.14                       90058.32                       90150                      12.6                  PORTLAND                                                        OR                          97220                         1                      2                       11/1/2006                     10/1/2021                     8/29/2006                        2/1/2007
     647.13                       74859.77                       75000                       9.8                  FRESNO                                                          CA                          93710                         1                      2                       11/1/2006                     10/1/2021                      8/2/2006                        2/1/2007
     272.08                       26461.07                       26500                    11.975                  GREENVILLE                                                      OH                          45331                         1                      2                       10/1/2006                      9/1/2021                     7/24/2006                        2/1/2007
     216.91                       20228.98                       20250                     12.55                  LARAMIE                                                         WY                          82072                         1                      2                       11/1/2006                     10/1/2021                      8/1/2006                        2/1/2007
     343.51                       40421.02                       40500                       9.6                  REFORM                                                          AL                          35481                         1                      2                       11/1/2006                     10/1/2021                      9/5/2006                        2/1/2007
     548.87                       54930.18                       55000                      11.6                  MANCHESTER                                                      NH                           3102                         1                      2                       11/1/2006                     10/1/2021                     8/29/2006                        2/1/2007
     241.47                       24492.66                       24525                    11.425                  POND CREEK                                                      OK                          73766                         1                      2                       11/1/2006                     10/1/2021                     7/30/2006                        2/1/2007
     480.75                       51441.29                       51500                     10.75                  GRAND BLANC                                                     MI                          48439                         1                      2                       12/1/2006                     11/1/2021                     7/29/2006                        2/1/2007
    1795.29                      166867.78                      167000                      12.6                  SAINT THOMAS                                                    PA                          17252                         1                      2                       12/1/2006                     11/1/2021                     8/30/2006                        2/1/2007
     349.23                       43403.38                       43500                     8.975                  INOLA                                                           OK                          74036                         1                      2                       11/1/2006                     10/1/2021                     7/27/2006                        2/1/2007
     511.51                       57102.29                       57200                    10.225                  ALTON                                                           NH                           3809                         1                      2                       11/1/2006                     10/1/2021                     8/16/2006                        2/1/2007
     415.25                       38022.52                       38075                      12.8                  SHERMAN                                                         NY                          14781                         1                      2                       11/1/2006                     10/1/2021                     7/27/2006                        2/1/2007
     584.28                       54294.72                       54350                      12.6                  GARDEN CITY                                                     MI                          48135                         1                      2                       11/1/2006                     10/1/2021                     8/30/2006                        2/1/2007
     490.77                       44956.23                       45000                      12.8                  MARION TWP                                                      MI                          48843                         1                      2                       11/1/2006                     10/1/2021                      8/1/2006                        2/1/2007
     598.28                          48265                       48265                    14.875                  TUCSON                                                          AZ                          85747                         1                      2                       12/1/2006                     11/1/2021                     10/4/2006                        2/1/2007
     487.15                       67804.14                       67998                      7.75                  NORTH LAS VEGAS                                                 NV                          89084                         1                      2                       11/1/2006                     10/1/2036                     9/14/2006                        2/1/2007
     633.76                       70603.83                       70724                     10.25                  HENDERSON                                                       NV                          89052                         1                      2                       11/1/2006                     10/1/2036                     9/21/2006                        2/1/2007
    1042.99                       117404.8                      117610                    10.125                  HAYMARKET                                                       VA                          22169                         1                      2                       11/1/2006                     10/1/2036                     9/28/2006                        2/1/2007
     469.25                       62300.03                       62461                      8.25                  HENDERSON                                                       NV                          89052                         1                      2                       11/1/2006                     10/1/2036                     9/20/2006                        2/1/2007
     733.83                       88975.31                       89200                      9.25                  BEAUMONT                                                        CA                          92223                         1                      2                       11/1/2006                     10/1/2036                     9/25/2006                        2/1/2007
      532.3                       63855.21                       63998                     9.375                  NORTH LAS VEGAS                                                 NV                          89084                         1                      2                       11/1/2006                     10/1/2036                     9/18/2006                        2/1/2007
    1029.68                       85359.86                       85473                     14.25                  CULPEPER                                                        VA                          22701                         1                      2                       11/1/2006                     10/1/2036                     9/28/2006                        2/1/2007
     362.92                       53032.48                       53200                      7.25                  GILBERT                                                         AZ                          85297                         1                      2                       11/1/2006                     10/1/2036                     9/25/2006                        2/1/2007
     542.14                       62318.12                       62433                     9.875                  HENDERSON                                                       NV                          89052                         1                      2                       11/1/2006                     10/1/2036                     9/22/2006                        2/1/2007
     442.11                       56067.24                       56198                      8.75                  NORTH LAS VEGAS                                                 NV                          89081                         1                      2                       11/1/2006                     10/1/2036                     9/18/2006                        2/1/2007
      435.9                       50640.16                       50736                      9.75                  GILBERT                                                         AZ                          85297                         1                      2                       11/1/2006                     10/1/2036                     9/19/2006                        2/1/2007
     501.26                       58858.65                       58973                     9.625                  WOODBRIDGE                                                      VA                          22193                         1                      2                       11/1/2006                     10/1/2036                     9/27/2006                        2/1/2007
     514.38                       59756.89                       59870                      9.75                  MADERA                                                          CA                          93638                         1                      2                       11/1/2006                     10/1/2036                     9/18/2006                        2/1/2007
     676.64                        87784.5                       88000                       8.5                  STEPHENSON                                                      VA                          22656                         1                      2                       11/1/2006                     10/1/2036                     9/29/2006                        2/1/2007
    1198.54                       99420.39                       99490                     14.25                  GOODYEAR                                                        AZ                          85338                         1                      2                       11/1/2006                     10/1/2036                     9/25/2006                        2/1/2007
     817.65                      107221.22                      107575                     8.375                  GOODYEAR                                                        AZ                          85338                         1                      2                       11/1/2006                     10/1/2036                     9/27/2006                        2/1/2007
     458.63                       56872.67                       57000                         9                  LAS VEGAS                                                       NV                          89131                         1                      2                       11/1/2006                     10/1/2036                     9/26/2006                        2/1/2007
     442.27                          53744                       53744                     9.875                  MARANA                                                          AZ                          85653                         1                      2                       11/1/2006                     10/1/2036                     9/19/2006                        2/1/2007
     780.43                          72739                       72739                    12.875                  STAFFORD                                                        VA                          22554                         1                      2                       11/1/2006                     10/1/2036                     9/27/2006                        2/1/2007
     621.61                          64864                       64864                      11.5                  STAFFORD                                                        VA                          22554                         1                      2                       11/1/2006                     10/1/2036                     9/27/2006                        2/1/2007
     866.61                          79233                       79233                    13.125                  STAFFORD                                                        VA                          22554                         1                      2                       11/1/2006                     10/1/2036                     9/26/2006                        2/1/2007
     778.04                          63298                       63298                     14.75                  STAFFORD                                                        VA                          22554                         1                      2                       11/1/2006                     10/1/2036                     9/26/2006                        2/1/2007
    1539.22                         134332                      134332                     13.75                  CLINTON                                                         MD                          20735                         1                      2                       11/1/2006                     10/1/2036                     9/26/2006                        2/1/2007
     845.24                          75835                       75835                    13.375                  CAMBRIDGE                                                       MD                          21613                         1                      2                       11/1/2006                     10/1/2036                     9/25/2006                        2/1/2007
      304.8                          38001                       38001                     9.625                  PHOENIX                                                         AZ                          85050                         1                      2                       11/1/2006                     10/1/2036                     9/15/2006                        2/1/2007
    1841.67                         148572                      148572                    14.875                  UPPER MARLBORO                                                  MD                          20772                         1                      2                       11/1/2006                     10/1/2036                     9/21/2006                        2/1/2007
      317.9                       38971.46                       39072                     9.125                  COMMERCE CITY                                                   CO                          80022                         1                      2                       11/1/2006                     10/1/2021                     9/27/2006                        2/1/2007
     358.21                       49858.49                       50001                      7.75                  LAS VEGAS                                                       NV                          89108                         1                      2                       11/1/2006                     10/1/2021                     9/21/2006                        2/1/2007
     342.65                       45474.19                       45609                      8.25                  DACONO                                                          CO                          80514                         1                      2                       11/1/2006                     10/1/2021                     9/28/2006                        2/1/2007
      434.6                       47920.58                       48000                    10.375                  ELKTON                                                          FL                          32033                         1                      2                       11/1/2006                     10/1/2021                     9/28/2006                        2/1/2007
     463.32                       41845.06                       41884                        13                  MARICOPA                                                        AZ                          85239                         1                      2                       11/1/2006                     10/1/2021                     9/15/2006                        2/1/2007
     560.06                       59309.75                       59398                    10.875                  LAS VEGAS                                                       NV                          89178                         1                      2                       11/1/2006                     10/1/2021                     9/19/2006                        2/1/2007
     544.59                       69849.84                       70017                     8.625                  BEALETON                                                        VA                          22712                         1                      2                       11/1/2006                     10/1/2021                     9/28/2006                        2/1/2007
     355.84                       50127.05                       50274                     7.625                  QUEEN CREEK                                                     AZ                          85242                         1                      2                       11/1/2006                     10/1/2021                     9/27/2006                        2/1/2007
    1596.44                      155022.11                      155203                        12                  EL DORADO HILLS                                                 CA                          95762                         1                      2                       11/1/2006                     10/1/2021                     9/13/2006                        2/1/2007
     598.14                       44026.21                       44148                    16.125                  GREEN COVE SPRINGS                                              FL                          32043                         1                      2                       11/1/2006                     10/1/2021                     9/27/2006                        2/1/2007
     643.75                       67500.26                       67598                        11                  LAS VEGAS                                                       NV                          89141                         1                      2                       11/1/2006                     10/1/2021                     9/15/2006                        2/1/2007
     738.03                        90512.7                       90708                     9.125                  HAYWARD                                                         CA                          94544                         1                      2                       11/1/2006                     10/1/2021                     9/11/2006                        2/1/2007
     512.45                       58905.42                       59014                     9.875                  LAS VEGAS                                                       NV                          89149                         1                      2                       11/1/2006                     10/1/2021                     9/22/2006                        2/1/2007
     597.66                       62053.55                       62141                    11.125                  LAS VEGAS                                                       NV                          89052                         1                      2                       11/1/2006                     10/1/2021                     9/18/2006                        2/1/2007
     599.94                       62906.87                       62998                        11                  LAS VEGAS                                                       NV                          89139                         1                      2                       11/1/2006                     10/1/2021                     9/18/2006                        2/1/2007
    1291.75                      125369.56                      125582                        12                  TEMECULA                                                        CA                          92591                         1                      2                       11/1/2006                     10/1/2021                     9/21/2006                        2/1/2007
     396.65                       52661.95                       52798                      8.25                  LAS VEGAS                                                       NV                          89149                         1                      2                       11/1/2006                     10/1/2021                     9/21/2006                        2/1/2007
     458.46                       51075.09                       51162                     10.25                  LAS VEGAS                                                       NV                          89108                         1                      2                       11/1/2006                     10/1/2021                     9/27/2006                        2/1/2007
     397.69                        50434.4                       50552                      8.75                  VAIL                                                            AZ                          85641                         1                      2                       11/1/2006                     10/1/2021                     9/19/2006                        2/1/2007
     425.54                       46921.32                       47000                    10.375                  PHOENIX                                                         AZ                          85041                         1                      2                       11/1/2006                     10/1/2021                     9/23/2006                        2/1/2007
     437.51                       56115.72                       56250                     8.625                  RIVERSIDE                                                       CA                          92504                         1                      2                       11/1/2006                     10/1/2021                     9/22/2006                        2/1/2007
     526.56                       55212.04                       55292                        11                  LAS VEGAS                                                       NV                          89130                         1                      2                       11/1/2006                     10/1/2021                      9/8/2006                        2/1/2007
     550.74                       63974.18                       64102                      9.75                  LAS VEGAS                                                       NV                          89141                         1                      2                       11/1/2006                     10/1/2021                     9/14/2006                        2/1/2007
      675.4                       70818.44                       70921                        11                  LAS VEGAS                                                       NV                          89139                         1                      2                       11/1/2006                     10/1/2021                     9/14/2006                        2/1/2007
     489.07                       56816.44                       56924                      9.75                  LAS VEGAS                                                       NV                          89149                         1                      2                       11/1/2006                     10/1/2021                      9/6/2006                        2/1/2007
     440.53                       55865.29                       55997                      8.75                  LAS VEGAS                                                       NV                          89149                         1                      2                       11/1/2006                     10/1/2021                      9/8/2006                        2/1/2007
     771.99                       60068.57                       60102                     15.25                  MARANA                                                          AZ                          85653                         1                      2                       11/1/2006                     10/1/2021                     9/15/2006                        2/1/2007
     487.64                       61499.77                       61986                      8.75                  LAS VEGAS                                                       NV                          89139                         1                      2                       11/1/2006                     10/1/2021                     9/21/2006                        2/1/2007
     763.61                       77010.02                       77110                      11.5                  STOCKTON                                                        CA                          95206                         1                      2                       11/1/2006                     10/1/2021                     9/18/2006                        2/1/2007
     705.45                       54467.61                       54497                    15.375                  LAS VEGAS                                                       NV                          89131                         1                      2                       11/1/2006                     10/1/2021                      9/1/2006                        2/1/2007
     550.15                       63884.85                       64034                      9.75                  HIGHLANDS RANCH                                                 CO                          80130                         1                      2                       11/1/2006                     10/1/2021                     9/25/2006                        2/1/2007
     574.09                       54724.77                       54785                     12.25                  LAS VEGAS                                                       NV                          89139                         1                      2                       11/1/2006                     10/1/2021                     9/12/2006                        2/1/2007
     738.79                       71740.56                       71824                        12                  STOCKTON                                                        CA                          95206                         1                      2                       11/1/2006                     10/1/2021                     9/18/2006                        2/1/2007
     452.92                       63040.79                       63221                      7.75                  LAS VEGAS                                                       NV                          89149                         1                      2                       11/1/2006                     10/1/2021                     9/12/2006                        2/1/2007
     438.57                        44657.4                       44717                    11.375                  FOUNTAIN                                                        CO                          80817                         1                      2                       11/1/2006                     10/1/2021                     9/14/2006                        2/1/2007
     398.07                       54102.92                       54250                         8                  QUEEN CREEK                                                     AZ                          85242                         1                      2                       11/1/2006                     10/1/2021                     9/19/2006                        2/1/2007
     672.08                       74285.42                       75000                     10.25                  PHOENIX                                                         AZ                          85041                         1                      2                       11/1/2006                     10/1/2021                     9/26/2006                        2/1/2007
      713.8                          84721                       84890                       9.5                  LAS VEGAS                                                       NV                          89135                         1                      2                       11/1/2006                     10/1/2021                     9/25/2006                        2/1/2007
     381.47                       42441.77                       42570                     10.25                  FLORENCE                                                        AZ                          85232                         1                      2                       11/1/2006                     10/1/2021                     9/26/2006                        2/1/2007
     504.38                       57978.13                       58085                     9.875                  LAS VEGAS                                                       NV                          89149                         1                      2                       11/1/2006                     10/1/2021                     9/21/2006                        2/1/2007
     334.05                       41705.57                       41985                     8.875                  HENDERSON                                                       CO                          80640                         1                      2                       11/1/2006                     10/1/2021                     9/28/2006                        2/1/2007
     334.17                       41566.27                       42000                     8.875                  MARANA                                                          AZ                          85653                         1                      2                       11/1/2006                     10/1/2021                     9/22/2006                        2/1/2007
     476.45                       59746.22                       59882                     8.875                  LAS VEGAS                                                       NV                          89149                         1                      2                       11/1/2006                     10/1/2021                     9/25/2006                        2/1/2007
     689.78                        86497.4                       86694                     8.875                  PARKER                                                          CO                          80134                         1                      2                       11/1/2006                     10/1/2021                     9/28/2006                        2/1/2007
     267.65                       35441.98                       35627                      8.25                  FREDERICK                                                       MD                          21703                         1                      2                       11/1/2006                     10/1/2021                     9/28/2006                        2/1/2007
    1091.27                      117573.81                      118090                    10.625                  HAYWARD                                                         CA                          94544                         1                      2                       11/1/2006                     10/1/2021                     9/14/2006                        2/1/2007
     542.41                       69528.34                       70542                       8.5                  HAYWARD                                                         CA                          94544                         1                      2                       11/1/2006                     10/1/2021                     9/14/2006                        2/1/2007
     543.24                       59898.22                       60000                    10.375                  COMMERCE CITY                                                   CO                          80022                         1                      2                       11/1/2006                     10/1/2021                     9/28/2006                        2/1/2007
     188.87                       25075.21                       25140                      8.25                  BRISTOW                                                         VA                          20136                         1                      2                       11/1/2006                     10/1/2021                     9/28/2006                        2/1/2007
     408.12                       46913.55                       47000                     9.875                  CULPEPER                                                        VA                          22701                         1                      2                       11/1/2006                     10/1/2021                     9/27/2006                        2/1/2007
     321.69                       42709.66                       42820                      8.25                  PARKER                                                          CO                          80134                         1                      2                       11/1/2006                     10/1/2021                     9/27/2006                        2/1/2007
     465.56                       58380.31                       58513                     8.875                  LAS VEGAS                                                       NV                          89130                         1                      2                       11/1/2006                     10/1/2021                     9/19/2006                        2/1/2007
     808.89                       89192.21                       89340                    10.375                  LEHI                                                            UT                          84043                         1                      2                       11/1/2006                     10/1/2021                     9/15/2006                        2/1/2007
     348.18                       43661.78                       43761                     8.875                  TUCSON                                                          AZ                          85746                         1                      2                       11/1/2006                     10/1/2021                     9/20/2006                        2/1/2007
     499.67                        55095.7                       55187                    10.375                  LAS VEGAS                                                       NV                          89149                         1                      2                       11/1/2006                     10/1/2021                     9/15/2006                        2/1/2007
      351.4                        44048.3                       44166                     8.875                  MENIFEE                                                         CA                          92584                         1                      2                       11/1/2006                     10/1/2021                     9/13/2006                        2/1/2007
     279.78                        37581.4                       37681                     8.125                  MACCLENNY                                                       FL                          32063                         1                      2                       11/1/2006                     10/1/2021                     9/27/2006                        2/1/2007
     292.43                       39909.81                       40331                     7.875                  AURORA                                                          CO                          80016                         1                      2                       11/1/2006                     10/1/2021                     9/27/2006                        2/1/2007
     458.73                        50582.2                       50666                    10.375                  GILBERT                                                         AZ                          85296                         1                      2                       11/1/2006                     10/1/2021                     9/15/2006                        2/1/2007
     572.86                       78788.36                       79008                     7.875                  FREDERICKSBURG                                                  VA                          22405                         1                      2                       11/1/2006                     10/1/2021                     9/27/2006                        2/1/2007
     236.79                       30028.97                       30099                      8.75                  LAS VEGAS                                                       NV                          89139                         1                      2                       11/1/2006                     10/1/2021                     9/13/2006                        2/1/2007
     486.21                       56485.11                       56592                      9.75                  LAS VEGAS                                                       NV                          89149                         1                      2                       11/1/2006                     10/1/2021                      9/8/2006                        2/1/2007
     357.73                       49199.83                       49337                     7.875                  FALLSTON                                                        MD                          21047                         1                      2                       11/1/2006                     10/1/2021                     9/25/2006                        2/1/2007
     530.22                       57846.54                       57964                      10.5                  MADERA                                                          CA                          93637                         1                      2                       11/1/2006                     10/1/2021                     9/13/2006                        2/1/2007
     217.86                       28924.26                       28999                      8.25                  LAS VEGAS                                                       NV                          89139                         1                      2                       11/1/2006                     10/1/2021                     9/15/2006                        2/1/2007
     113.08                          14663                       14706                       8.5                  TUCSON                                                          AZ                          85706                         1                      2                       11/1/2006                     10/1/2021                     9/15/2006                        2/1/2007
     234.25                       31837.45                       31924                         8                  CAMBRIDGE                                                       MD                          21613                         1                      2                       11/1/2006                     10/1/2021                     9/21/2006                        2/1/2007
     250.65                       33278.03                       33364                      8.25                  LEHI                                                            UT                          84043                         1                      2                       11/1/2006                     10/1/2021                     9/21/2006                        2/1/2007
      191.1                       24996.61                       25437                      8.25                  CASA GRANDE                                                     AZ                          85222                         1                      2                       11/1/2006                     10/1/2021                     9/14/2006                        2/1/2007
     258.32                       33513.74                       33596                       8.5                  HANFORD                                                         CA                          93230                         1                      2                       11/1/2006                     10/1/2021                      9/1/2006                        2/1/2007
     134.56                       17394.83                       17500                       8.5                  COMMERCE CITY                                                   CO                          80022                         1                      2                       11/1/2006                     10/1/2021                     9/18/2006                        2/1/2007
     478.49                       62076.58                       62229                       8.5                  BEAUMONT                                                        CA                          92223                         1                      2                       11/1/2006                     10/1/2021                     9/27/2006                        2/1/2007
      346.9                       33353.63                       33706                      9.25                  MARTINSBURG                                                     WV                          25403                         1                      2                       11/1/2006                     10/1/2021                     9/29/2006                        2/1/2007
     324.87                       42146.51                       42250                       8.5                  DACONO                                                          CO                          80514                         1                      2                       11/1/2006                     10/1/2021                     9/28/2006                        2/1/2007
     244.89                       34387.31                       34599                     7.625                  LAS VEGAS                                                       NV                          89131                         1                      2                       11/1/2006                     10/1/2021                     9/25/2006                        2/1/2007
     398.18                       51952.58                       52387                     8.375                  ERIE                                                            CO                          80516                         1                      2                       11/1/2006                     10/1/2021                     9/28/2006                        2/1/2007
     162.79                       22932.79                       23000                     7.625                  SAINT AUGUSTINE                                                 FL                          32092                         1                      2                       11/1/2006                     10/1/2021                     9/26/2006                        2/1/2007
       90.9                       12961.04                       13000                       7.5                  COMMERCE CITY                                                   CO                          80022                         1                      2                       11/1/2006                     10/1/2021                     9/27/2006                        2/1/2007
     141.56                       19941.54                       20000                     7.625                  HENDERSON                                                       CO                          80640                         1                      2                       11/1/2006                     10/1/2021                     9/20/2006                        2/1/2007
     746.11                       82269.68                       82406                    10.375                  LAS VEGAS                                                       NV                          89141                         1                      2                       11/1/2006                     10/1/2021                     9/26/2006                        2/1/2007
     610.19                       59411.91                       59881                    11.875                  MENIFEE                                                         CA                          92584                         1                      2                       11/1/2006                     10/1/2021                     9/25/2006                        2/1/2007
     845.73                       82124.46                       82220                        12                  MENIFEE                                                         CA                          92584                         1                      2                       11/1/2006                     10/1/2021                     9/18/2006                        2/1/2007
      500.4                       46417.03                       46464                    12.625                  LAS VEGAS                                                       NV                          89141                         1                      2                       11/1/2006                     10/1/2021                     9/15/2006                        2/1/2007
     795.13                       73098.06                       73170                     12.75                  LAS VEGAS                                                       NV                          89139                         1                      2                       11/1/2006                     10/1/2021                     9/22/2006                        2/1/2007
      940.8                       76777.25                       76828                      14.5                  GILBERT                                                         AZ                          85297                         1                      2                       11/1/2006                     10/1/2021                     9/19/2006                        2/1/2007
      261.9                       32441.34                       32550                         9                  THORNTON                                                        CO                          80241                         1                      2                        9/1/2006                      8/1/2036                     7/24/2006                        2/1/2007
     478.88                        53857.5                       54000                    10.125                  COLORADO SPRINGS                                                CO                          80923                         1                      2                        9/1/2006                      8/1/2036                     7/28/2006                        2/1/2007
      538.7                       70696.94                       70875                     8.375                  SAN CLEMENTE                                                    CA                          92672                         1                      2                       11/1/2006                     10/1/2021                      9/8/2006                        2/1/2007
      238.8                        29286.8                       29350                     9.125                  CORPUS CHRISTI                                                  TX                          78412                         1                      2                       11/1/2006                     10/1/2036                      9/7/2006                        2/1/2007
    1080.04                      104908.98                      105000                        12                  (WOODLAND HILLS AREA)LOS                                        CA                          91367                         1                      2                       12/1/2006                     11/1/2021                     10/6/2006                        2/1/2007
     546.76                       69338.29                       69500                      8.75                  ESCONDIDO                                                       CA                          92026                         1                      2                       11/1/2006                     10/1/2036                     9/18/2006                        2/1/2007
     468.47                       66799.25                       67000                       7.5                  FRESNO                                                          CA                          93720                         1                      2                       11/1/2006                     10/1/2036                     9/29/2006                        2/1/2007
     702.52                       82489.68                       82650                     9.625                  GREELEY                                                         CO                          80631                         1                      2                       11/1/2006                     10/1/2036                     9/21/2006                        2/1/2007
     206.02                       30080.47                       30200                      7.25                  GRAYLAND                                                        WA                          98547                         1                      2                       11/1/2006                     10/1/2036                     9/20/2006                        2/1/2007
     390.36                       47625.28                       48000                     7.625                  TULARE                                                          CA                          93274                         1                      2                       11/1/2006                     10/1/2026                     8/29/2006                        2/1/2007
     464.04                       63819.18                       64000                     7.875                  PROVO                                                           UT                          84601                         1                      2                       11/1/2006                     10/1/2021                     9/22/2006                        2/1/2007
     364.36                       48216.68                       48500                      8.25                  SANTA MARIA                                                     CA                          93458                         1                      2                       11/1/2006                     10/1/2021                     9/12/2006                        2/1/2007
     222.98                       28921.08                       29000                       8.5                  LAKE HUGHES                                                     CA                          93532                         1                      2                       11/1/2006                     10/1/2036                      9/5/2006                        2/1/2007
     255.21                       36390.65                       36500                       7.5                  CEDAR HILLS                                                     UT                          84062                         1                      2                       11/1/2006                     10/1/2021                     9/25/2006                        2/1/2007
      250.4                       22031.15                       22050                    13.375                  URBANA                                                          IL                          61801                         1                      2                       11/1/2006                     10/1/2021                     10/5/2006                        2/1/2007
     386.22                       47893.94                       48000                         9                  EAST DUNDEE                                                     IL                          60118                         1                      2                       11/1/2006                     10/1/2036                     9/25/2006                        2/1/2007
     267.75                       26995.86                       27300                    11.375                  URBANA                                                          IL                          61801                         1                      2                       11/1/2006                     10/1/2021                     9/21/2006                        2/1/2007
     230.67                       29873.68                       30000                       8.5                  WATSONVILLE                                                     CA                          95076                         1                      2                       11/1/2006                     10/1/2021                     9/15/2006                        2/1/2007
     559.88                       92035.84                       93800                       7.3                  SAN FRANCISCO                                                   CA                          94112                         1                      2                       11/1/2006                     10/1/2031                      9/8/2006                        2/1/2007
      472.5                          42000                       42000                      13.5                  ATLANTA                                                         GA                          30349                         1                      2                       11/1/2006                     10/1/2021                     9/22/2006                        2/1/2007
     319.47                       29109.14                       29137                    12.875                  URBANA                                                          IL                          61801                         1                      2                       11/1/2006                     10/1/2021                     9/26/2006                        2/1/2007
     626.08                       66174.11                       66400                    10.875                  WESTBROOK                                                       CT                           6498                         1                      2                       11/1/2006                     10/1/2036                     9/29/2006                        2/1/2007
     189.97                       26034.07                       26200                     7.875                  PLEASANT GROVE                                                  UT                          84062                         1                      2                       12/1/2006                     11/1/2036                     10/3/2006                        2/1/2007
     227.92                       32876.34                       33000                     7.375                  SAN CLEMENTE                                                    CA                          92672                         1                      2                       11/1/2006                     10/1/2021                     9/21/2006                        2/1/2007
     589.31                       51327.28                       51450                      13.5                  WENATCHEE                                                       WA                          98801                         1                      2                       11/1/2006                     10/1/2021                     9/19/2006                        2/1/2007
    1464.36                      177283.14                      178000                      9.25                  WARREN                                                          OR                          97053                         1                      2                       11/1/2006                     10/1/2021                     9/28/2006                        2/1/2007
     275.58                       38871.44                       39900                     7.375                  RENO                                                            NV                          89523                         1                      2                       11/1/2006                     10/1/2021                     9/22/2006                        2/1/2007
     253.77                       33714.11                       35000                     7.875                  SUN CITY                                                        AZ                          85351                         1                      2                       12/1/2006                     11/1/2021                     10/5/2006                        2/1/2007
     395.75                       33375.24                       33400                        14                  RALEIGH                                                         NC                          27616                         1                      2                       11/1/2006                     10/1/2036                     9/25/2006                        2/1/2007
     658.11                       87374.25                       87600                      8.25                  ROSEVILLE                                                       CA                          95661                         1                      2                       11/1/2006                     10/1/2021                     9/18/2006                        2/1/2007
     692.22                       97683.37                       99000                       7.5                  SONORA                                                          CA                          95370                         1                      2                       11/1/2006                     10/1/2021                     9/25/2006                        2/1/2007
     416.59                       40398.07                       40500                        12                  MOUNTLAKE TERRACE                                               WA                          98043                         1                      2                       11/1/2006                     10/1/2021                     9/13/2006                        2/1/2007
      309.3                       35527.07                       36000                      9.75                  OAK FOREST                                                      IL                          60452                         1                      2                       11/1/2006                     10/1/2036                     9/11/2006                        2/1/2007
     990.29                       99903.21                      100000                      11.5                  KIRKLAND                                                        WA                          98034                         1                      2                       12/1/2006                     11/1/2021                     10/2/2006                        2/1/2007
     808.08                       81521.01                       81600                      11.5                  KIRKLAND                                                        WA                          98034                         1                      2                       12/1/2006                     11/1/2021                     10/2/2006                        2/1/2007
     224.57                       29795.37                       29892                      8.25                  SAINT LOUIS                                                     MO                          63104                         1                      2                       10/1/2006                      9/1/2036                      9/5/2006                        2/1/2007
     339.59                       38648.21                       38700                     9.999                  COTTAGE GROVE                                                   MN                          55016                         1                      2                       12/1/2006                     11/1/2036                     10/5/2006                        2/1/2007
      424.3                       44950.08                       45000                    10.875                  CHICAGO                                                         IL                          60625                         2                      2                       12/1/2006                     11/1/2036                     10/5/2006                        2/1/2007
     287.42                       33039.12                       33100                     9.875                  EVERETT                                                         MA                           2149                         1                      2                       11/1/2006                     10/1/2036                     9/29/2006                        2/1/2007
     137.73                        13384.4                       13400                     11.99                  DES MOINES                                                      IA                          50310                         1                      2                       11/1/2006                     10/1/2036                     9/29/2006                        2/1/2007
      365.9                       39935.56                       40000                      10.5                  RAMSEY                                                          MN                          55303                         1                      2                       11/1/2006                     10/1/2036                     9/22/2006                        2/1/2007
      352.2                       32974.38                       33000                      12.5                  CHICAGO                                                         IL                          60645                         1                      2                       12/1/2006                     11/1/2036                    10/11/2006                        2/1/2007
     730.47                       94767.33                       95000                       8.5                  SANTA MARIA                                                     CA                          93458                         1                      2                       11/1/2006                     10/1/2036                     9/25/2006                        2/1/2007
     407.79                       34972.54                       35000                     13.75                  WEST JORDAN                                                     UT                          84088                         1                      2                       11/1/2006                     10/1/2036                     9/28/2006                        2/1/2007
     454.54                       45840.49                       45900                      11.5                  REDMOND                                                         WA                          98052                         1                      2                       11/1/2006                     10/1/2036                     9/18/2006                        2/1/2007
     452.53                       50182.53                       50500                     10.25                  SEATTLE                                                         WA                          98105                         1                      2                       11/1/2006                     10/1/2036                     9/25/2006                        2/1/2007
     506.24                       44541.93                       44580                    13.375                  BUCKEYE                                                         AZ                          85326                         1                      2                       11/1/2006                     10/1/2036                     9/18/2006                        2/1/2007
     406.04                       55540.36                       56000                     7.875                  SHOREWOOD                                                       IL                          60563                         1                      2                       11/1/2006                     10/1/2021                     9/21/2006                        2/1/2007
     286.67                          43000                       43000                         8                  WENATCHEE                                                       WA                          98801                         1                      2                       12/1/2006                     11/1/2036                     10/3/2006                        2/1/2007
     868.19                          95800                       95800                    10.875                  SAN JOSE                                                        CA                          95123                         1                      2                       12/1/2006                     11/1/2036                     10/5/2006                        2/1/2007
     115.41                        11987.4                       12000                    11.125                  JOSEPH CITY                                                     AZ                          86032                         1                      2                       12/1/2006                     11/1/2036                     10/6/2006                        2/1/2007
     210.97                          23550                       23550                     10.75                  CALDWELL                                                        ID                          83605                         1                      2                       11/1/2006                     10/1/2036                     9/22/2006                        2/1/2007
     420.78                       45355.28                       46000                      10.5                  CENTER CITY                                                     MN                          55012                         1                      2                       12/1/2006                     11/1/2036                     10/4/2006                        2/1/2007
     467.36                          65980                       65980                       8.5                  BEAUMONT                                                        CA                          92223                         1                      2                       11/1/2006                     10/1/2036                     9/25/2006                        2/1/2007
     447.87                       49916.58                       49980                     10.25                  TULARE                                                          CA                          93274                         1                      2                       12/1/2006                     11/1/2036                     9/25/2006                        2/1/2007
     309.25                       34099.51                       34156                    10.375                  SUWANEE                                                         GA                          30024                         1                      2                       11/1/2006                     10/1/2021                     9/28/2006                        2/1/2007
     302.39                       33342.75                       33398                    10.375                  SUWANEE                                                         GA                          30024                         1                      2                       11/1/2006                     10/1/2021                     9/28/2006                        2/1/2007
     206.46                       18483.26                       18500                    13.125                  DENVER                                                          CO                          80204                         1                      2                       11/1/2006                     10/1/2021                     9/29/2006                        2/1/2007
     245.02                       32912.79                       33000                     8.125                  EVANSTON                                                        IL                          60201                         1                      2                       11/1/2006                     10/1/2036                     10/2/2006                        2/1/2007
     368.29                       43711.36                       43800                       9.5                  RIVERSIDE                                                       CA                          92501                         1                      2                       11/1/2006                     10/1/2021                     9/20/2006                        2/1/2007
     666.95                       75863.63                       76000                        10                  LOWELL                                                          MA                           1851                         2                      2                       11/1/2006                     10/1/2036                     9/29/2006                        2/1/2007
     709.45                       75883.99                       76000                     10.75                  SANTA MARIA                                                     CA                          93455                         1                      2                       11/1/2006                     10/1/2021                     9/20/2006                        2/1/2007
     311.47                       29966.12                       30000                    12.125                  SPRING HILL                                                     FL                          34609                         1                      2                       11/1/2006                     10/1/2036                     9/19/2006                        2/1/2007
     218.05                        26742.3                       26800                     9.125                  ATLANTIC CITY                                                   NJ                           8401                         1                      2                       11/1/2006                     10/1/2021                     9/28/2006                        2/1/2007
     252.09                        29935.4                       29980                       9.5                  OREM                                                            UT                          84057                         1                      2                       12/1/2006                     11/1/2036                    10/13/2006                        2/1/2007
     300.18                       35628.95                       35700                       9.5                  MIDVALE                                                         UT                          84047                         1                      2                       11/1/2006                     10/1/2036                     9/26/2006                        2/1/2007
     968.23                       94090.32                       94200                     11.99                  LYNN                                                            MA                           1902                         2                      2                       11/1/2006                     10/1/2036                     9/29/2006                        2/1/2007
     708.04                       83179.33                       83300                     9.625                  SARATOGA SPRINGS                                                UT                          84043                         1                      2                       12/1/2006                     11/1/2036                    10/19/2006                        2/1/2007
    1171.88                         150000                      150000                     9.375                  EL GRANADA                                                      CA                          94018                         1                      2                       12/1/2006                     11/1/2031                     9/26/2006                        2/1/2007
      992.9                       96487.52                       96600                     11.99                  MELROSE                                                         MA                           2176                         2                      2                       11/1/2006                     10/1/2036                     9/29/2006                        2/1/2007
     273.29                       31748.91                       31809                      9.75                  PINEHURST                                                       TX                          77362                         1                      2                       11/1/2006                     10/1/2036                     10/2/2006                        2/1/2007
     505.13                       44063.37                       44100                      13.5                  QUEEN CREEK                                                     AZ                          85242                         1                      2                       11/1/2006                     10/1/2021                     9/22/2006                        2/1/2007
     394.03                       54843.21                       55000                      7.75                  SANGER                                                          CA                          93657                         1                      2                       11/1/2006                     10/1/2021                     9/20/2006                        2/1/2007
      423.8                       45330.71                       45400                     10.75                  PEABODY                                                         MA                           1960                         1                      2                       11/1/2006                     10/1/2021                     9/27/2006                        2/1/2007
     192.55                       24158.99                       24200                     8.875                  AJO                                                             AZ                          85321                         1                      2                       12/1/2006                     11/1/2036                     10/4/2006                        2/1/2007
     327.02                       27584.76                       27600                        14                  LAS VEGAS                                                       NV                          89129                         1                      2                       12/1/2006                     11/1/2036                    10/12/2006                        2/1/2007
     187.83                       16964.23                       16980                        13                  RIVERDALE                                                       GA                          30274                         1                      2                       11/1/2006                     10/1/2036                     9/22/2006                        2/1/2007
     223.04                       25910.96                       25960                      9.75                  HOUSTON                                                         TX                          77082                         1                      2                       11/1/2006                     10/1/2036                     10/3/2006                        2/1/2007
     343.03                       37439.59                       37500                      10.5                  BLAINE                                                          MN                          55449                         1                      2                       11/1/2006                     10/1/2036                     9/28/2006                        2/1/2007
     717.48                       54978.54                       55000                      15.5                  LAS VEGAS                                                       NV                          89129                         1                      2                       12/1/2006                     11/1/2021                     10/5/2006                        2/1/2007
     745.93                       76694.81                       76800                     11.25                  LANCASTER                                                       CA                          93534                         1                      2                       11/1/2006                     10/1/2036                     9/25/2006                        2/1/2007
     384.85                       47223.91                       47300                     9.125                  EVERETT                                                         WA                          98204                         1                      2                       12/1/2006                     11/1/2021                    10/10/2006                        2/1/2007
     277.85                       30338.48                       30375                      10.5                  BERTHOUD                                                        CO                          80513                         1                      2                       12/1/2006                     11/1/2036                     10/2/2006                        2/1/2007
      625.4                       60747.28                       60800                        12                  TULARE                                                          CA                          93274                         1                      2                       12/1/2006                     11/1/2036                    10/11/2006                        2/1/2007
     978.47                       77964.79                       78000                    14.875                  JEFFERSON                                                       GA                          30549                         1                      2                       12/1/2006                     11/1/2021                     10/2/2006                        2/1/2007
     768.48                       62210.04                       62250                    14.625                  LAKE OSWEGO                                                     OR                          97035                         1                      2                       11/1/2006                     10/1/2036                     9/28/2006                        2/1/2007
     158.08                       18365.26                       18400                      9.75                  ABILENE                                                         TX                          79601                         1                      2                       11/1/2006                     10/1/2036                     10/5/2006                        2/1/2007
      460.7                       34762.82                       34780                     15.75                  CEDAR CITY                                                      UT                          84720                         1                      2                       11/1/2006                     10/1/2036                     9/25/2006                        2/1/2007
      460.7                       34762.82                       34780                     15.75                  CEDAR CITY                                                      UT                          84720                         1                      2                       11/1/2006                     10/1/2036                     9/26/2006                        2/1/2007
     573.56                       43255.36                       43300                     15.75                  PHOENIX                                                         AZ                          85020                         1                      2                       12/1/2006                     11/1/2021                     10/3/2006                        2/1/2007
     349.26                       33950.48                       33980                     11.99                  BONDURANT                                                       IA                          50323                         1                      2                       12/1/2006                     11/1/2036                     10/2/2006                        2/1/2007
     572.22                       63092.61                       63200                    10.375                  WINTERVILLE                                                     NC                          28590                         1                      2                       11/1/2006                     10/1/2036                     9/29/2006                        2/1/2007
    1021.25                          76000                       76000                    16.125                  CHINO HILLS                                                     CA                          91709                         1                      2                       11/1/2006                     10/1/2036                     9/21/2006                        2/1/2007
     269.12                       34517.38                       34600                     8.625                  DES MOINES                                                      IA                          50317                         1                      2                       11/1/2006                     10/1/2036                     9/25/2006                        2/1/2007
     606.68                       77860.84                       78000                     8.625                  HANFORD                                                         CA                          93230                         1                      2                       12/1/2006                     11/1/2021                     10/5/2006                        2/1/2007
     244.56                       23958.99                       24000                    11.875                  LANSING                                                         MI                          48906                         1                      2                       11/1/2006                     10/1/2021                     9/28/2006                        2/1/2007
     570.41                       62895.77                       63000                    10.375                  REVERE                                                          MA                           2151                         1                      2                       11/1/2006                     10/1/2036                     9/28/2006                        2/1/2007
     264.87                       31453.15                       31500                       9.5                  FORT MOHAVE                                                     AZ                          86426                         1                      2                       12/1/2006                     11/1/2036                     9/29/2006                        2/1/2007
     214.67                       27534.12                       27600                     8.625                  HARTSELLE                                                       AL                          35640                         1                      2                       11/1/2006                     10/1/2036                     9/25/2006                        2/1/2007
     483.47                        69838.7                       70000                     7.375                  BAKERSFIELD                                                     CA                          93306                         1                      2                       12/1/2006                     11/1/2036                     10/6/2006                        2/1/2007
     424.93                       42311.53                       42500                    11.625                  ESSEX                                                           MA                           1929                         2                      2                       12/1/2006                     11/1/2036                    10/13/2006                        2/1/2007
     394.03                       44839.91                       44900                        10                  SANTA MARIA                                                     CA                          93458                         1                      2                       12/1/2006                     11/1/2021                     10/5/2006                        2/1/2007
     120.62                       11191.54                       11200                    12.625                  DES MOINES                                                      IA                          50315                         1                      2                       12/1/2006                     11/1/2021                     10/2/2006                        2/1/2007
     306.93                          35500                       35500                    10.375                  SAN JACINTO                                                     CA                          92583                         1                      2                       12/1/2006                     11/1/2036                     10/3/2006                        2/1/2007
     704.44                       53978.91                       54000                      15.5                  LAS VEGAS                                                       NV                          89129                         1                      2                       12/1/2006                     11/1/2036                     10/3/2006                        2/1/2007
     986.41                       73980.51                       74000                        16                  ONTARIO                                                         CA                          91762                         1                      2                       12/1/2006                     11/1/2036                     10/1/2006                        2/1/2007
     614.68                       48970.33                       49000                    14.875                  CUMMING                                                         GA                          30040                         1                      2                       11/1/2006                     10/1/2036                     9/27/2006                        2/1/2007
     878.12                       69968.38                       70000                    14.875                  LITHIA SPRINGS                                                  GA                          30122                         1                      2                       12/1/2006                     11/1/2036                     10/6/2006                        2/1/2007
     358.82                       31041.31                       31060                    13.625                  YUKON                                                           OK                          73099                         1                      2                       12/1/2006                     11/1/2021                     10/3/2006                        2/1/2007
     266.16                       31951.14                       32000                     9.375                  KATY                                                            TX                          77449                         1                      2                       12/1/2006                     11/1/2036                     10/4/2006                        2/1/2007
     238.23                       27558.02                       28027                     9.625                  HOUSTON                                                         TX                          77064                         1                      2                       12/1/2006                     11/1/2036                    10/12/2006                        2/1/2007
     355.82                       39228.07                       39300                    10.375                  MAPLE GROVE                                                     MN                          55311                         1                      2                       12/1/2006                     11/1/2036                    10/13/2006                        2/1/2007
     248.89                       29862.84                       29924                     9.375                  HOUSTON                                                         TX                          77070                         1                      2                       11/1/2006                     10/1/2036                     9/29/2006                        2/1/2007
     683.23                       65128.32                       65200                     12.25                  LAS VEGAS                                                       NV                          89139                         1                      2                       11/1/2006                     10/1/2036                     9/27/2006                        2/1/2007
     364.38                          53000                       53000                      8.25                  CHESAPEAKE                                                      VA                          23320                         1                      2                       11/1/2006                     10/1/2036                     9/29/2006                        2/1/2007
     355.27                       29235.18                       29250                    14.375                  PORTLAND                                                        OR                          97230                         1                      2                       12/1/2006                     11/1/2036                    10/20/2006                        2/1/2007
     151.68                       16134.61                       16745                     7.125                  FALLON                                                          NV                          89406                         1                      2                       12/1/2006                     11/1/2021                     10/7/2006                        2/1/2007
     565.31                       54952.21                       55000                     11.99                  MIDLAND                                                         VA                          22728                         1                      2                       12/1/2006                     11/1/2036                    10/16/2006                        2/1/2007
     444.47                       49537.06                       49600                     10.25                  BAKERSFIELD                                                     CA                          93307                         1                      2                       12/1/2006                     11/1/2036                     10/5/2006                        2/1/2007
     370.16                       47668.09                       48700                     8.375                  BROOKLYN PARK                                                   MN                          55445                         1                      2                       11/1/2006                     10/1/2036                     10/5/2006                        2/1/2007
     415.07                       47734.32                       47800                     9.875                  MADERA                                                          CA                          93637                         1                      2                       12/1/2006                     11/1/2036                     10/6/2006                        2/1/2007
     743.37                       67153.39                       67200                        13                  OGDEN                                                           UT                          84403                         1                      2                       12/1/2006                     11/1/2036                     10/4/2006                        2/1/2007
     430.44                       55877.53                       55980                       8.5                  BROOKLYN PARK                                                   MN                          55445                         1                      2                       12/1/2006                     11/1/2036                    10/13/2006                        2/1/2007
     452.25                       43941.37                       44000                     11.99                  WEST DES MOINES                                                 IA                          50265                         1                      2                       12/1/2006                     11/1/2036                     10/2/2006                        2/1/2007
     779.88                       77926.53                       78000                    11.625                  WAIPAHU                                                         HI                          96797                         1                      2                       12/1/2006                     11/1/2036                    10/12/2006                        2/1/2007
     419.25                          64500                       64500                       7.8                  TRUCKEE                                                         CA                          96161                         1                      2                       12/1/2006                     11/1/2031                     9/28/2006                        2/1/2007
     268.06                       31155.96                       31200                      9.75                  DELTONA                                                         FL                          32738                         1                      2                       12/1/2006                     11/1/2036                     10/5/2006                        2/1/2007
    1178.61                      124861.36                      125000                    10.875                  HENDERSON                                                       NV                          89052                         1                      2                       12/1/2006                     11/1/2021                     9/29/2006                        2/1/2007
     311.95                       30318.42                       30350                     11.99                  DES MOINES                                                      IA                          50312                         1                      2                       12/1/2006                     11/1/2021                     10/3/2006                        2/1/2007
     594.38                       44184.65                       44200                        16                  PORTLAND                                                        OR                          97203                         1                      2                       12/1/2006                     11/1/2021                    10/17/2006                        2/1/2007
     840.85                       99851.28                      100000                       9.5                  NASHUA                                                          NH                           3060                         4                      2                       12/1/2006                     11/1/2021                    10/20/2006                        2/1/2007
     151.89                       20658.05                       20700                         8                  NEWBERG                                                         OR                          97132                         1                      2                       12/1/2006                     11/1/2021                     10/6/2006                        2/1/2007
     1182.9                      114840.58                      115000                        12                  BEN LOMOND                                                      CA                          95005                         1                      2                       12/1/2006                     11/1/2036                    10/11/2006                        2/1/2007
     305.52                       33359.84                       33400                      10.5                  CEDAR RAPIDS                                                    IA                          52405                         1                      2                       12/1/2006                     11/1/2021                     10/6/2006                        2/1/2007
     987.21                      119811.93                      120000                      9.25                  OAKDALE                                                         CA                          95361                         1                      2                       12/1/2006                     11/1/2021                     10/6/2006                        2/1/2007
     372.01                       43238.91                       43300                      9.75                  SANTA MARIA                                                     CA                          93458                         1                      2                       12/1/2006                     11/1/2021                     10/5/2006                        2/1/2007
     568.18                       54254.64                       55759                    11.875                  LAS VEGAS                                                       NV                          89149                         1                      2                       12/1/2006                     11/1/2036                    10/10/2006                        2/1/2007
     575.84                       47775.07                       47800                     14.25                  LOVELAND                                                        CO                          80537                         1                      2                       12/1/2006                     11/1/2036                    10/13/2006                        2/1/2007
    1728.64                      122964.21                      123000                     16.75                  WOODBURY                                                        MN                          55129                         1                      2                       12/1/2006                     11/1/2036                    10/12/2006                        2/1/2007
     143.26                       20950.56                       21000                      7.25                  SARASOTA                                                        FL                          34233                         1                      2                       12/1/2006                     11/1/2021                    10/12/2006                        2/1/2007
     250.29                       26753.85                       27000                       7.5                  PAROWAN                                                         UT                          84761                         1                      2                       12/1/2006                     11/1/2021                    10/17/2006                        2/1/2007
     379.38                        57603.6                       57750                     6.875                  PARKER                                                          CO                          80134                         1                      2                       12/1/2006                     11/1/2036                    10/17/2006                        2/1/2007
     339.35                       41185.36                       41250                      9.25                  LAS VEGAS                                                       NV                          89121                         1                      2                       12/1/2006                     11/1/2036                    10/18/2006                        2/1/2007
      508.2                       60830.32                       61100                     9.375                  WINDSOR                                                         CO                          80550                         1                      2                       12/1/2006                     11/1/2036                    10/20/2006                        2/1/2007
     475.34                       47953.54                       48000                      11.5                  PAYSON                                                          UT                          84651                         4                      2                       12/1/2006                     11/1/2021                    10/25/2006                        2/1/2007
     133.41                       18258.17                       18400                     7.875                  TULARE                                                          CA                          93274                         1                      2                       12/1/2006                     11/1/2021                    10/12/2006                        2/1/2007
        329                       27984.07                       28000                    13.875                  BRANFORD                                                        CT                           6405                         1                      2                       12/1/2006                     11/1/2036                    10/16/2006                        2/1/2007
     868.09                       85921.21                       86000                     11.75                  FREMONT                                                         CA                          94536                         1                      2                       12/1/2006                     11/1/2021                    10/16/2006                        2/1/2007
     674.74                        63750.1                       63801                    12.375                  LAS VEGAS                                                       NV                          89108                         1                      2                       12/1/2006                     11/1/2036                    10/17/2006                        2/1/2007
     338.34                       43375.79                       43500                     8.625                  SANTA MARIA                                                     CA                          93454                         1                      2                       12/1/2006                     11/1/2021                    10/19/2006                        2/1/2007
     220.13                       29737.88                       30000                         8                  FORT COLLINS                                                    CO                          80521                         1                      2                       12/1/2006                     11/1/2021                    10/20/2006                        2/1/2007
    1061.85                          94387                       94387                      13.5                  PHOENIX                                                         AZ                          85085                         1                      2                       12/1/2006                     11/1/2036                     10/3/2006                        2/1/2007
     489.58                          50000                       50000                     11.75                  TOLLESON                                                        AZ                          85353                         1                      2                       11/1/2006                     10/1/2036                     9/27/2006                        2/1/2007
      689.7                       80745.71                       80746                     10.25                  BEAUMONT                                                        CA                          92223                         1                      2                       11/1/2006                     10/1/2036                     9/18/2006                        2/1/2007
     995.09                         117936                      117936                    10.125                  WOODBRIDGE                                                      VA                          22193                         1                      2                       11/1/2006                     10/1/2036                     9/29/2006                        2/1/2007
     196.15                          23247                       23247                    10.125                  JACKSONVILLE                                                    FL                          32226                         1                      2                       11/1/2006                     10/1/2036                     9/28/2006                        2/1/2007
     733.33                          88000                       88000                        10                  PHOENIX                                                         AZ                          85085                         1                      2                       11/1/2006                     10/1/2036                     9/27/2006                        2/1/2007
     380.56                          52947                       52947                     8.625                  BRISTOW                                                         VA                          20136                         1                      2                       11/1/2006                     10/1/2036                     9/29/2006                        2/1/2007
     443.38                          70940                       70940                       7.5                  GOODYEAR                                                        AZ                          85338                         1                      2                       11/1/2006                     10/1/2036                     9/28/2006                        2/1/2007
        325                          52000                       52000                       7.5                  QUEEN CREEK                                                     AZ                          85242                         1                      2                       11/1/2006                     10/1/2036                     9/28/2006                        2/1/2007
     693.81                        57418.9                       57419                      14.5                  PHOENIX                                                         AZ                          85043                         1                      2                       12/1/2006                     11/1/2036                     10/6/2006                        2/1/2007
     727.33                       68454.83                       68492                     12.75                  LEHI                                                            UT                          84043                         1                      2                       11/1/2006                     10/1/2021                     9/29/2006                        2/1/2007
     1073.2                         135562                      135562                       9.5                  ANTELOPE                                                        CA                          95843                         1                      2                       11/1/2006                     10/1/2021                     9/20/2006                        2/1/2007
     613.88                       53511.72                       53595                      13.5                  LAS VEGAS                                                       NV                          89139                         1                      2                       11/1/2006                     10/1/2036                     9/22/2006                        2/1/2007
     258.82                       24671.86                       24699                     12.25                  LAS VEGAS                                                       NV                          89156                         1                      2                       11/1/2006                     10/1/2036                     9/27/2006                        2/1/2007
     455.16                       42819.46                       44250                        12                  NORTH LAS VEGAS                                                 NV                          89115                         1                      2                       11/1/2006                     10/1/2036                     9/28/2006                        2/1/2007
     669.67                       66871.86                       66978                    11.625                  HENDERSON                                                       NV                          89052                         1                      2                       10/1/2006                      9/1/2036                     8/16/2006                        2/1/2007
     887.81                       91282.81                       91408                     11.25                  BEAUMONT                                                        CA                          92223                         1                      2                       11/1/2006                     10/1/2036                     9/25/2006                        2/1/2007
     607.17                       63663.96                       63757                        11                  JACKSONVILLE                                                    FL                          32244                         1                      2                       11/1/2006                     10/1/2036                     9/29/2006                        2/1/2007
     565.62                       60499.21                       60592                     10.75                  SAHUARITA                                                       AZ                          85629                         1                      2                       11/1/2006                     10/1/2036                     9/28/2006                        2/1/2007
     616.04                       70041.14                       70198                        10                  NORTH LAS VEGAS                                                 NV                          89115                         1                      2                       11/1/2006                     10/1/2036                     9/22/2006                        2/1/2007
     511.42                       59413.56                       59526                      9.75                  WEST JORDAN                                                     UT                          84088                         1                      2                       11/1/2006                     10/1/2036                     9/28/2006                        2/1/2007
     406.55                       47209.97                       47320                      9.75                  BUCKEYE                                                         AZ                          85326                         1                      2                       11/1/2006                     10/1/2036                     9/26/2006                        2/1/2007
     545.68                       64073.48                       64198                     9.625                  NORTH LAS VEGAS                                                 NV                          89084                         1                      2                       11/1/2006                     10/1/2036                     9/22/2006                        2/1/2007
      450.3                       52874.25                       52977                     9.625                  NORTH LAS VEGAS                                                 NV                          89081                         1                      2                       11/1/2006                     10/1/2036                     9/20/2006                        2/1/2007
     270.92                       32491.54                       32572                     9.375                  CHESTERTOWN                                                     MD                          21620                         1                      2                       11/1/2006                     10/1/2036                     9/28/2006                        2/1/2007
     333.65                       43285.72                       43392                       8.5                  SOUTH OGDEN                                                     UT                          84405                         1                      2                       11/1/2006                     10/1/2036                     9/28/2006                        2/1/2007
     616.36                        83772.3                       84000                         8                  MENIFEE                                                         CA                          92584                         1                      2                       11/1/2006                     10/1/2036                     9/22/2006                        2/1/2007
     335.25                       47803.34                       47947                       7.5                  WEST JORDAN                                                     UT                          84088                         1                      2                       11/1/2006                     10/1/2036                     9/28/2006                        2/1/2007
     354.73                       51836.28                       52000                      7.25                  GILBERT                                                         AZ                          85296                         1                      2                       11/1/2006                     10/1/2036                     9/28/2006                        2/1/2007
     473.16                       69141.58                       69360                      7.25                  GOODYEAR                                                        AZ                          85338                         1                      2                       11/1/2006                     10/1/2036                     9/27/2006                        2/1/2007
     328.14                       48532.21                       48706                     7.125                  EAGLE MOUNTAIN                                                  UT                          84005                         1                      2                       11/1/2006                     10/1/2036                     9/29/2006                        2/1/2007
     286.08                       42829.15                       43000                         7                  KAYSVILLE                                                       UT                          84037                         1                      2                       11/1/2006                     10/1/2036                     9/29/2006                        2/1/2007
     771.79                       64011.68                       64066                     14.25                  LAS VEGAS                                                       NV                          89178                         1                      2                       11/1/2006                     10/1/2021                     9/27/2006                        2/1/2007
     480.83                       40890.78                       40922                    13.875                  LAS VEGAS                                                       NV                          89131                         1                      2                       11/1/2006                     10/1/2021                     9/13/2006                        2/1/2007
     681.47                       57952.68                       57998                    13.875                  LAS VEGAS                                                       NV                          89178                         1                      2                       11/1/2006                     10/1/2021                     9/26/2006                        2/1/2007
     514.35                        44469.9                       44523                    13.625                  MARANA                                                          AZ                          85653                         1                      2                       12/1/2006                     11/1/2021                     10/4/2006                        2/1/2007
     990.79                       91904.97                       91998                    12.625                  MORENO VALLEY                                                   CA                          92555                         1                      2                       11/1/2006                     10/1/2021                     9/21/2006                        2/1/2007
     412.45                       38958.31                       39000                    12.375                  JACKSONVILLE                                                    FL                          32219                         1                      2                       11/1/2006                     10/1/2021                     9/29/2006                        2/1/2007
     330.68                       31200.83                       31268                    12.375                  TUCSON                                                          AZ                          85713                         1                      2                       11/1/2006                     10/1/2021                     9/22/2006                        2/1/2007
     185.46                       19446.86                       19475                        11                  MARICOPA                                                        AZ                          85239                         1                      2                       11/1/2006                     10/1/2021                     9/25/2006                        2/1/2007
     376.08                       40226.51                       40288                     10.75                  SOUTH OGDEN                                                     UT                          84405                         1                      2                       11/1/2006                     10/1/2021                     9/29/2006                        2/1/2007
     553.77                       61693.02                       61798                     10.25                  LAS VEGAS                                                       NV                          89141                         1                      2                       11/1/2006                     10/1/2021                     9/27/2006                        2/1/2007
     798.42                       89913.67                       90031                    10.125                  GURNEE                                                          IL                          60031                         1                      2                       12/1/2006                     11/1/2021                     10/3/2006                        2/1/2007
     622.53                       70044.13                       70198                    10.125                  NORTH LAS VEGAS                                                 NV                          89115                         1                      2                       11/1/2006                     10/1/2021                     9/26/2006                        2/1/2007
     1111.9                      126474.98                      126702                        10                  TEMECULA                                                        CA                          92591                         1                      2                       11/1/2006                     10/1/2021                     9/15/2006                        2/1/2007
     382.62                       43504.06                       43600                        10                  QUEEN CREEK                                                     AZ                          85242                         1                      2                       11/1/2006                     10/1/2021                     9/21/2006                        2/1/2007
     689.73                       79283.86                       79430                     9.875                  LAS VEGAS                                                       NV                          89139                         1                      2                       11/1/2006                     10/1/2021                     9/22/2006                        2/1/2007
     486.26                       55894.97                       55998                     9.875                  LAS VEGAS                                                       NV                          89139                         1                      2                       11/1/2006                     10/1/2021                     9/27/2006                        2/1/2007
     729.44                       84741.62                       84902                      9.75                  MENIFEE                                                         CA                          92584                         1                      2                       11/1/2006                     10/1/2021                     9/26/2006                        2/1/2007
     347.96                       40405.65                       40500                      9.75                  QUEEN CREEK                                                     AZ                          85242                         1                      2                       11/1/2006                     10/1/2021                     9/27/2006                        2/1/2007
     515.48                       58779.52                       59998                      9.75                  LAS VEGAS                                                       NV                          89141                         1                      2                       11/1/2006                     10/1/2021                     9/26/2006                        2/1/2007
      481.5                       55963.91                       56043                      9.75                  PHOENIX                                                         AZ                          85041                         1                      2                       12/1/2006                     11/1/2021                     10/3/2006                        2/1/2007
     400.25                       47505.21                       47600                       9.5                  HANFORD                                                         CA                          93230                         1                      2                       11/1/2006                     10/1/2021                     9/12/2006                        2/1/2007
        391                       46407.41                       46500                       9.5                  SPRING HILL                                                     FL                          34609                         1                      2                       11/1/2006                     10/1/2021                     9/29/2006                        2/1/2007
      482.4                       57574.75                       57998                     9.375                  NORTH LAS VEGAS                                                 NV                          89081                         1                      2                       11/1/2006                     10/1/2021                     9/21/2006                        2/1/2007
     161.97                       20085.52                       20130                         9                  LAS VEGAS                                                       NV                          89123                         1                      2                       11/1/2006                     10/1/2021                     9/21/2006                        2/1/2007
     399.05                       50605.97                       50724                      8.75                  LATHROP                                                         CA                          95330                         1                      2                       11/1/2006                     10/1/2021                     9/26/2006                        2/1/2007
     480.29                       60908.95                       61051                      8.75                  LAS VEGAS                                                       NV                          89141                         1                      2                       11/1/2006                     10/1/2021                     9/26/2006                        2/1/2007
     561.83                       72889.05                       73068                       8.5                  LAS VEGAS                                                       NV                          89139                         1                      2                       11/1/2006                     10/1/2021                     9/25/2006                        2/1/2007
     473.07                       62807.72                       62970                      8.25                  LAS VEGAS                                                       NV                          89139                         1                      2                       11/1/2006                     10/1/2021                     9/14/2006                        2/1/2007
     420.07                       55769.89                       55915                      8.25                  KAYSVILLE                                                       UT                          84037                         1                      2                       11/1/2006                     10/1/2021                     9/29/2006                        2/1/2007
     474.01                       63671.26                       63840                     8.125                  PARKER                                                          CO                          80134                         1                      2                       11/1/2006                     10/1/2021                     9/29/2006                        2/1/2007
    1272.05                      172890.06                      173360                         8                  GOODYEAR                                                        AZ                          85338                         1                      2                       11/1/2006                     10/1/2021                     9/27/2006                        2/1/2007
     350.94                          49436                       49582                     7.625                  SYRACUSE                                                        UT                          84075                         1                      2                       11/1/2006                     10/1/2021                     9/29/2006                        2/1/2007
     218.25                       31501.92                       31599                     7.375                  LAS VEGAS                                                       NV                          89139                         1                      2                       11/1/2006                     10/1/2021                     9/20/2006                        2/1/2007
    1600.06                      174607.95                      174920                      10.5                  COSTA MESA                                                      CA                          92627                         1                      2                       12/1/2006                     11/1/2021                     10/2/2006                        2/1/2007
     420.38                       55848.22                       55956                      8.25                  JOLIET                                                          IL                          60431                         1                      2                       12/1/2006                     11/1/2021                    10/10/2006                        2/1/2007
     450.85                       49689.49                       49795                    10.375                  LAS VEGAS                                                       NV                          89139                         1                      2                       11/1/2006                     10/1/2021                     9/27/2006                        2/1/2007
    1117.77                       123302.5                      123455                    10.375                  GURNEE                                                          IL                          60031                         1                      2                       12/1/2006                     11/1/2021                     10/3/2006                        2/1/2007
      452.7                       49917.31                       50000                    10.375                  PHOENIX                                                         AZ                          85043                         1                      2                       11/1/2006                     10/1/2021                     9/27/2006                        2/1/2007
     508.29                       59684.04                       59800                     9.625                  LAS VEGAS                                                       NV                          89149                         1                      2                       11/1/2006                     10/1/2021                     9/26/2006                        2/1/2007
     405.36                       47556.15                       47690                     9.625                  PHOENIX                                                         AZ                          85041                         1                      2                       11/1/2006                     10/1/2021                     9/18/2006                        2/1/2007
     300.94                       37738.26                       37824                     8.875                  MACCLENNY                                                       FL                          32063                         1                      2                       11/1/2006                     10/1/2021                     9/29/2006                        2/1/2007
     364.01                       45646.26                       45750                     8.875                  HENDERSON                                                       NV                          89052                         1                      2                       11/1/2006                     10/1/2021                     9/26/2006                        2/1/2007
     515.01                       64618.32                       64728                     8.875                  LAS VEGAS                                                       NV                          89149                         1                      2                       12/1/2006                     11/1/2021                     10/4/2006                        2/1/2007
     474.62                       59492.83                       59652                     8.875                  VAIL                                                            AZ                          85641                         1                      2                       11/1/2006                     10/1/2021                     9/22/2006                        2/1/2007
     335.11                       42982.15                       43085                     8.625                  MENIFEE                                                         CA                          92584                         1                      2                       11/1/2006                     10/1/2021                     9/21/2006                        2/1/2007
     744.28                       95348.79                       95692                     8.625                  ELK GROVE                                                       CA                          95624                         1                      2                       11/1/2006                     10/1/2021                     9/15/2006                        2/1/2007
     576.67                       74814.32                       74998                       8.5                  MORENO VALLEY                                                   CA                          92555                         1                      2                       11/1/2006                     10/1/2021                     9/25/2006                        2/1/2007
     462.47                        59998.7                       60146                       8.5                  HAYWARD                                                         CA                          94544                         1                      2                       11/1/2006                     10/1/2021                     9/14/2006                        2/1/2007
      174.5                       22639.44                       22695                       8.5                  VAIL                                                            AZ                          85641                         1                      2                       11/1/2006                     10/1/2021                     9/20/2006                        2/1/2007
     565.14                       73317.99                       73498                       8.5                  MORENO VALLEY                                                   CA                          92555                         1                      2                       11/1/2006                     10/1/2021                     9/14/2006                        2/1/2007
     210.31                       27285.03                       27352                       8.5                  LAS VEGAS                                                       NV                          89108                         1                      2                       11/1/2006                     10/1/2021                     9/13/2006                        2/1/2007
     363.88                       47754.74                       47875                     8.375                  SARATOGA SPRINGS                                                UT                          84045                         1                      2                       11/1/2006                     10/1/2021                     9/29/2006                        2/1/2007
     206.42                       25980.07                       27158                     8.375                  LAS VEGAS                                                       NV                          89149                         1                      2                       11/1/2006                     10/1/2021                     9/18/2006                        2/1/2007
     380.11                       49864.05                       50010                     8.375                  SAHUARITA                                                       AZ                          85629                         1                      2                       11/1/2006                     10/1/2021                     9/20/2006                        2/1/2007
     312.93                       41060.56                       41654                      8.25                  LEHI                                                            UT                          84043                         1                      2                       11/1/2006                     10/1/2021                     9/29/2006                        2/1/2007
     858.18                      115274.49                      115580                     8.125                  HAYWARD                                                         CA                          94544                         1                      2                       11/1/2006                     10/1/2021                     9/13/2006                        2/1/2007
     447.96                        60926.3                       61050                         8                  RIVERSIDE                                                       CA                          92504                         1                      2                       12/1/2006                     11/1/2021                     10/3/2006                        2/1/2007
     582.47                        79165.8                       79381                         8                  SURPRISE                                                        AZ                          85379                         1                      2                       11/1/2006                     10/1/2021                     9/12/2006                        2/1/2007
     329.23                       45246.41                       45406                     7.875                  PARKER                                                          CO                          80134                         1                      2                       11/1/2006                     10/1/2021                     9/29/2006                        2/1/2007
     344.33                       47356.98                       47489                     7.875                  STAFFORD                                                        VA                          22554                         1                      2                       11/1/2006                     10/1/2021                     9/29/2006                        2/1/2007
     520.09                       71529.57                       71729                     7.875                  CULPEPER                                                        VA                          22701                         1                      2                       11/1/2006                     10/1/2021                     9/29/2006                        2/1/2007
     347.44                       47784.79                       47918                     7.875                  QUEEN CREEK                                                     AZ                          85242                         1                      2                       11/1/2006                     10/1/2021                     9/28/2006                        2/1/2007
     364.35                       50108.99                       50250                     7.875                  STAFFORD                                                        VA                          22554                         1                      2                       11/1/2006                     10/1/2021                     9/29/2006                        2/1/2007
     202.74                       28219.34                       28300                      7.75                  TUCSON                                                          AZ                          85747                         1                      2                       11/1/2006                     10/1/2021                     9/22/2006                        2/1/2007
      189.3                       26315.16                       26423                      7.75                  MARANA                                                          AZ                          85653                         1                      2                       11/1/2006                     10/1/2021                     9/18/2006                        2/1/2007
     160.82                       22922.89                       23000                       7.5                  KAYSVILLE                                                       UT                          84037                         1                      2                       11/1/2006                     10/1/2021                     9/25/2006                        2/1/2007
     286.04                       37107.89                       37200                       8.5                  TUCSON                                                          AZ                          85746                         1                      2                       11/1/2006                     10/1/2021                     9/20/2006                        2/1/2007
     388.47                       51473.68                       51709                      8.25                  LEHI                                                            UT                          84043                         1                      2                       11/1/2006                     10/1/2021                     9/28/2006                        2/1/2007
      270.2                       38002.88                       38175                     7.625                  QUEEN CREEK                                                     AZ                          85242                         1                      2                       11/1/2006                     10/1/2021                     9/24/2006                        2/1/2007
     115.68                       16710.54                       16749                     7.375                  SHOREWOOD                                                       IL                          60404                         1                      2                       12/1/2006                     11/1/2021                     10/2/2006                        2/1/2007
     510.89                       52059.44                       52661                      8.25                  PHOENIX                                                         AZ                          85085                         1                      2                       11/1/2006                     10/1/2021                     9/28/2006                        2/1/2007
      148.8                       15975.01                       16175                     7.375                  VAIL                                                            AZ                          85641                         1                      2                       11/1/2006                     10/1/2021                     9/21/2006                        2/1/2007
     415.58                       35943.96                       35973                    13.625                  CASA GRANDE                                                     AZ                          85222                         1                      2                       11/1/2006                     10/1/2021                     9/26/2006                        2/1/2007
     486.19                       43501.49                       43566                    13.125                  GILBERT                                                         AZ                          85296                         1                      2                       11/1/2006                     10/1/2021                     9/21/2006                        2/1/2007
     449.25                       47111.46                       47174                        11                  GILBERT                                                         AZ                          85297                         1                      2                       12/1/2006                     11/1/2021                     10/5/2006                        2/1/2007
     348.38                       37639.86                       37699                    10.625                  LAS VEGAS                                                       NV                          89139                         1                      2                       11/1/2006                     10/1/2021                     9/20/2006                        2/1/2007
    1067.02                      121425.29                      121588                        10                  GURNEE                                                          IL                          60031                         1                      2                       12/1/2006                     11/1/2021                    10/26/2006                        2/1/2007
     388.88                       44978.55                       44998                    10.375                  SAINT AUGUSTINE                                                 FL                          32086                         1                      2                       12/1/2006                     11/1/2036                    10/30/2006                        2/1/2007
     298.37                       33954.51                       34000                        10                  HANFORD                                                         CA                          93230                         1                      2                       12/1/2006                     11/1/2021                    10/20/2006                        2/1/2007
     631.53                        67575.9                       67653                     10.75                  LANCASTER                                                       CA                          93535                         1                      2                       12/1/2006                     11/1/2021                    10/26/2006                        2/1/2007
     339.08                       30199.06                       30384                    13.125                  MIAMI GARDENS                                                   FL                          33169                         1                      2                       12/1/2006                     11/1/2021                    12/11/2005                        2/1/2007
     364.13                       34719.48                       34748                     12.25                  ALBUQUERQUE                                                     NM                          87114                         1                      2                       12/1/2006                     11/1/2021                      8/2/2006                        2/1/2007
     581.76                        66774.3                       66996                     9.875                  LANCASTER                                                       CA                          93536                         1                      2                        8/1/2006                      7/1/2021                      2/2/2006                        2/1/2007
     739.46                       78306.37                       78424                    10.875                  PALMDALE                                                        CA                          93552                         1                      2                       11/1/2006                     10/1/2021                     3/15/2006                        2/1/2007
     518.39                       39584.49                       39738                      15.5                  SANFORD                                                         FL                          32773                         1                      2                        4/1/2006                      3/1/2021                      2/3/2006                        2/1/2007
     630.64                       73298.41                       73402                      9.75                  CHINO                                                           CA                          91710                         1                      2                       12/1/2006                     11/1/2021                     4/13/2006                        2/1/2007
     252.21                       29313.57                       29355                      9.75                  HILLSBORO                                                       OR                          97123                         1                      2                       12/1/2006                     11/1/2021                     9/12/2006                        2/1/2007
     397.06                       34038.42                       34079                     13.75                  SUMMERVILLE                                                     SC                          29485                         1                      2                        9/1/2006                      8/1/2021                      7/7/2006                        2/1/2007
     317.33                       26766.18                       26781                        14                  GRAND PRAIRIE                                                   TX                          75054                         1                      2                       12/1/2006                     11/1/2021                     7/19/2006                        2/1/2007
     282.87                       27049.75                       27500                        12                  LEANDER                                                         TX                          78641                         1                      2                       10/1/2006                      9/1/2021                      8/2/2006                        2/1/2007
     769.72                       76911.49                       76984                    11.625                  CASTLE ROCK                                                     CO                          80108                         1                      2                       12/1/2006                     11/1/2021                     7/26/2006                        2/1/2007
     659.84                       76692.31                       76801                      9.75                  LAKE ELSINORE                                                   CA                          92532                         1                      2                       12/1/2006                     11/1/2021                     8/11/2006                        2/1/2007
     247.61                       28763.09                       28820                      9.75                  ALBUQUERQUE                                                     NM                          87121                         1                      2                       11/1/2006                     10/1/2021                     9/11/2006                        2/1/2007
     350.96                       38316.78                       38367                      10.5                  TUCSON                                                          AZ                          85706                         1                      2                       12/1/2006                     11/1/2021                     8/17/2006                        2/1/2007
     746.37                       88630.97                       88763                       9.5                  OAKLEY                                                          CA                          94561                         1                      2                       12/1/2006                     11/1/2021                     8/17/2006                        2/1/2007
     481.62                       52586.65                       52650                      10.5                  LAS VEGAS                                                       NV                          89178                         1                      2                       12/1/2006                     11/1/2021                     8/30/2006                        2/1/2007
     288.82                       24979.79                       25000                    13.625                  FORT WORTH                                                      TX                          76248                         1                      2                       11/1/2006                     10/1/2021                      9/6/2006                        2/1/2007
     344.04                       37185.39                       37229                    10.625                  ALBUQUERQUE                                                     NM                          87114                         1                      2                       12/1/2006                     11/1/2021                     8/31/2006                        2/1/2007
    1906.69                      173731.71                      173898                    12.875                  OXNARD                                                          CA                          93035                         1                      2                       11/1/2006                     10/1/2021                      9/5/2006                        2/1/2007
     360.78                       40208.89                       40260                     10.25                  QUEEN CREEK                                                     AZ                          85243                         1                      2                       12/1/2006                     11/1/2021                      9/5/2006                        2/1/2007
     563.23                       48721.04                       48753                    13.625                  COMMERCE CITY                                                   CO                          80022                         1                      2                       12/1/2006                     11/1/2021                     9/19/2006                        2/1/2007
     772.03                       84296.47                       84398                      10.5                  PALMDALE                                                        CA                          93552                         1                      2                       12/1/2006                     11/1/2021                     10/2/2006                        2/1/2007
     282.32                       25054.92                       25077                     13.25                  MYRTLE BEACH                                                    SC                          29579                         1                      2                       11/1/2006                     10/1/2021                      9/9/2006                        2/1/2007
     354.92                       38753.34                       38800                      10.5                  RIVIERA BEACH                                                   FL                          33404                         1                      2                       12/1/2006                     11/1/2021                      9/9/2006                        2/1/2007
     316.15                       30708.33                       30735                        12                  FIFE                                                            WA                          98424                         1                      2                       12/1/2006                     11/1/2021                     9/11/2006                        2/1/2007
     196.68                       24954.52                       25000                      8.75                  FORT WORTH                                                      TX                          76248                         1                      2                       12/1/2006                     11/1/2021                     9/22/2006                        2/1/2007
     625.39                       59631.03                       59680                     12.25                  SANGER                                                          CA                          93657                         1                      2                       12/1/2006                     11/1/2021                     9/12/2006                        2/1/2007
     862.77                      115963.95                      116198                     8.125                  ELK GROVE                                                       CA                          95757                         1                      2                       12/1/2006                     11/1/2021                     9/18/2006                        2/1/2007
        510                       51948.26                       52000                    11.375                  EVANS                                                           CO                          80620                         1                      2                       12/1/2006                     11/1/2021                     9/28/2006                        2/1/2007
     345.62                       32940.96                       33600                        12                  MCKINNEY                                                        TX                          75070                         1                      2                       11/1/2006                     10/1/2021                     9/21/2006                        2/1/2007
     659.33                       71989.28                       72078                      10.5                  LAS VEGAS                                                       NV                          89143                         1                      2                       12/1/2006                     11/1/2021                     9/18/2006                        2/1/2007
     341.08                       38409.87                       38460                    10.125                  GRAND PRAIRIE                                                   TX                          75052                         1                      2                       12/1/2006                     11/1/2021                     9/19/2006                        2/1/2007
      430.5                       57865.45                       57980                     8.125                  HEBER                                                           CA                          92249                         1                      2                       12/1/2006                     11/1/2021                     9/18/2006                        2/1/2007
     303.93                       34951.88                       35000                     9.875                  FLORENCE                                                        TX                          76527                         1                      2                       12/1/2006                     11/1/2021                     9/21/2006                        2/1/2007
     275.67                       37890.83                       38019                     7.875                  SPARKS                                                          NV                          89436                         1                      2                       12/1/2006                     11/1/2021                     9/18/2006                        2/1/2007
     125.65                       13178.73                       13193                        11                  HUTTO                                                           TX                          78634                         1                      2                       12/1/2006                     11/1/2021                     9/21/2006                        2/1/2007
      305.5                       25980.16                       26000                    13.875                  BURLESON                                                        TX                          76028                         1                      2                       11/1/2006                     10/1/2021                     9/19/2006                        2/1/2007
     372.19                       55109.66                       55243                     7.125                  HEBER                                                           CA                          92249                         1                      2                       12/1/2006                     11/1/2021                     9/21/2006                        2/1/2007
    1035.25                       96924.73                       97000                      12.5                  STOCKTON                                                        CA                          95209                         1                      2                       12/1/2006                     11/1/2021                     9/19/2006                        2/1/2007
     503.82                       42853.59                       42878                    13.875                  RIO RANCHO                                                      NM                          87144                         1                      2                       12/1/2006                     11/1/2021                     9/20/2006                        2/1/2007
     144.19                       18139.17                       18328                      8.75                  CHINO                                                           CA                          91710                         1                      2                       12/1/2006                     11/1/2021                     9/20/2006                        2/1/2007
     854.96                        88799.6                       88893                    11.125                  STOCKTON                                                        CA                          95209                         1                      2                       12/1/2006                     11/1/2021                     9/21/2006                        2/1/2007
     464.16                        58897.4                       59000                      8.75                  LAS VEGAS                                                       NV                          89135                         1                      2                       12/1/2006                     11/1/2021                     9/26/2006                        2/1/2007
      189.3                       21769.02                       21799                     9.875                  STOCKTON                                                        CA                          95219                         1                      2                       12/1/2006                     11/1/2021                     9/22/2006                        2/1/2007
     855.87                       85519.36                       85600                    11.625                  LINCOLN                                                         CA                          95648                         1                      2                       12/1/2006                     11/1/2021                     9/21/2006                        2/1/2007
      219.4                       24966.52                       25000                        10                  RIO RANCHO                                                      NM                          87144                         1                      2                       12/1/2006                     11/1/2021                     9/25/2006                        2/1/2007
     308.63                       24988.03                       25000                    14.625                  WALKER                                                          LA                          70785                         1                      2                       12/1/2006                     11/1/2021                     9/25/2006                        2/1/2007
     308.63                       24988.03                       25000                    14.625                  WALKER                                                          LA                          70785                         1                      2                       12/1/2006                     11/1/2021                     9/25/2006                        2/1/2007
     792.22                       83098.19                       83188                        11                  WAIANAE                                                         HI                          96792                         1                      2                       12/1/2006                     11/1/2021                     10/2/2006                        2/1/2007
     607.78                       57952.42                       58000                     12.25                  KISSIMMEE                                                       FL                          34744                         1                      2                       12/1/2006                     11/1/2021                     9/28/2006                        2/1/2007
     556.17                       60726.86                       60800                      10.5                  THORNTON                                                        CO                          80602                         1                      2                       12/1/2006                     11/1/2021                     9/28/2006                        2/1/2007
    1114.45                       109268.5                      109366                    11.875                  BYRON                                                           CA                          94514                         1                      2                       12/1/2006                     11/1/2021                     9/27/2006                        2/1/2007
     235.29                       28555.16                       28600                      9.25                  UNION CITY                                                      GA                          30291                         1                      2                       12/1/2006                     11/1/2021                     9/29/2006                        2/1/2007
     708.09                       86886.98                       87027                     9.125                  VISALIA                                                         CA                          93277                         1                      2                       12/1/2006                     11/1/2021                     9/29/2006                        2/1/2007
     583.65                       57766.99                       57820                     11.75                  MONTGOMERY                                                      IL                          60538                         1                      2                       12/1/2006                     11/1/2021                     10/3/2006                        2/1/2007
     420.79                       45944.65                       46000                      10.5                  MESA                                                            AZ                          85208                         1                      2                       12/1/2006                     11/1/2021                     10/5/2006                        2/1/2007
      481.4                        46759.4                       46800                        12                  COMMERCE CITY                                                   CO                          80022                         1                      2                       12/1/2006                     11/1/2021                     10/9/2006                        2/1/2007
     717.15                       79928.45                       80030                     10.25                  WOODBRIDGE                                                      VA                          22191                         1                      2                       12/1/2006                     11/1/2021                     10/9/2006                        2/1/2007
     653.59                       75877.99                       76893                     9.625                  PHOENIX                                                         AZ                          85085                         1                      2                       12/1/2006                     11/1/2021                     5/17/2006                        2/1/2007
     301.28                       28207.09                       28229                      12.5                  ALBUQUERQUE                                                     NM                          87114                         1                      2                       12/1/2006                     11/1/2021                      1/5/2006                        2/1/2007
     210.22                        24962.8                       25000                       9.5                  TUCSON                                                          AZ                          85706                         1                      2                       12/1/2006                     11/1/2021                     1/11/2006                        2/1/2007
    1045.93                      102550.26                      102642                    11.875                  KAHULUI                                                         HI                          96732                         1                      2                       12/1/2006                     11/1/2021                     2/14/2006                        2/1/2007
     356.92                       45807.14                       45889                     8.625                  ALBUQUERQUE                                                     NM                          87114                         1                      2                       12/1/2006                     11/1/2021                      2/2/2006                        2/1/2007
    1029.32                       99981.21                      100068                        12                  PALMDALE                                                        CA                          93552                         1                      2                       12/1/2006                     11/1/2021                     4/13/2006                        2/1/2007
     359.77                       40097.05                       40148                     10.25                  TEMPE                                                           AZ                          85281                         1                      2                       12/1/2006                     11/1/2021                      3/8/2006                        2/1/2007
     757.66                       79430.38                       79559                        11                  SAN DIEGO                                                       CA                          92104                         1                      2                       12/1/2006                     11/1/2021                      2/9/2006                        2/1/2007
     434.48                       51040.92                       51115                     9.625                  FAIR OAKS                                                       CA                          95628                         1                      2                       12/1/2006                     11/1/2021                     5/25/2006                        2/1/2007
      328.4                        28894.3                       28919                    13.375                  FT WORTH                                                        TX                          76248                         1                      2                       11/1/2006                     10/1/2021                      3/8/2006                        2/1/2007
      396.9                       41577.95                       41677                        11                  QUEEN CREEK                                                     AZ                          85242                         1                      2                       12/1/2006                     11/1/2021                      3/1/2006                        2/1/2007
     783.59                        79050.4                       79127                      11.5                  PALMDALE                                                        CA                          93552                         1                      2                       12/1/2006                     11/1/2021                      5/4/2006                        2/1/2007
     866.62                        84970.2                       85046                    11.875                  BAKERSFIELD                                                     CA                          93306                         1                      2                       12/1/2006                     11/1/2021                     3/30/2006                        2/1/2007
     821.48                       80544.14                       80616                    11.875                  BAKERSFIELD                                                     CA                          93306                         1                      2                       12/1/2006                     11/1/2021                     3/30/2006                        2/1/2007
     691.83                       72567.55                       72646                        11                  BAKERSFIELD                                                     CA                          93306                         1                      2                       12/1/2006                     11/1/2021                      7/7/2006                        2/1/2007
     603.06                       60838.05                       60897                      11.5                  TUCSON                                                          AZ                          85741                         1                      2                       12/1/2006                     11/1/2021                     6/15/2006                        2/1/2007
     865.41                       90774.89                       90873                        11                  PALMDALE                                                        CA                          93552                         1                      2                       12/1/2006                     11/1/2021                     5/17/2006                        2/1/2007
     393.04                       33430.96                       33450                    13.875                  ALBUQUERQUE                                                     NM                          87114                         1                      2                       12/1/2006                     11/1/2021                     5/22/2006                        2/1/2007
     602.02                       58476.24                       58527                        12                  LAKE ELSINORE                                                   CA                          92532                         1                      2                       12/1/2006                     11/1/2021                      5/4/2006                        2/1/2007
     752.33                       75626.75                       75970                      11.5                  LAS VEGAS                                                       NV                          89178                         1                      2                        8/1/2006                      7/1/2021                      5/5/2006                        2/1/2007
     659.34                        74251.1                       74348                    10.125                  LAS VEGAS                                                       NV                          89122                         1                      2                       12/1/2006                     11/1/2021                     10/3/2006                        2/1/2007
     492.92                       46149.15                       46185                      12.5                  PINGREE GROVE                                                   IL                          60140                         1                      2                       12/1/2006                     11/1/2021                     5/31/2006                        2/1/2007
       1124                      122728.22                      122876                      10.5                  CHOWCHILLA                                                      CA                          93610                         1                      2                       12/1/2006                     11/1/2021                     5/25/2006                        2/1/2007
     443.46                       44736.63                       44780                      11.5                  RIVERTON                                                        UT                          84065                         1                      2                       12/1/2006                     11/1/2021                      6/8/2006                        2/1/2007
     560.94                       56588.15                       56643                      11.5                  THORNTON                                                        CO                          80602                         1                      2                       12/1/2006                     11/1/2021                      7/7/2006                        2/1/2007
     504.78                       57443.02                       57520                        10                  LAKE ELSINORE                                                   CA                          92532                         1                      2                       12/1/2006                     11/1/2021                     6/22/2006                        2/1/2007
      735.4                       78675.35                       78780                     10.75                  LAKE ELSINORE                                                   CA                          92532                         1                      2                       12/1/2006                     11/1/2021                     6/28/2006                        2/1/2007
     283.44                       30636.09                       30672                    10.625                  TUCSON                                                          AZ                          85706                         1                      2                       12/1/2006                     11/1/2021                     6/30/2006                        2/1/2007
     582.75                       55058.02                       55102                    12.375                  DAYTONA BEACH                                                   FL                          32124                         1                      2                       12/1/2006                     11/1/2021                      8/3/2006                        2/1/2007
     590.31                       62536.55                       62606                    10.875                  QUEEN CREEK                                                     AZ                          85243                         1                      2                       12/1/2006                     11/1/2021                     7/26/2006                        2/1/2007
     478.44                       52776.71                       52842                    10.375                  BUCKEYE                                                         AZ                          85326                         1                      2                       12/1/2006                     11/1/2021                     7/24/2006                        2/1/2007
     274.53                       32250.18                       32297                     9.625                  SAN ANTONIO                                                     TX                          78254                         1                      2                       12/1/2006                     11/1/2021                      8/7/2006                        2/1/2007
    1202.06                      122441.06                      122563                    11.375                  RICHMOND                                                        CA                          94806                         1                      2                       12/1/2006                     11/1/2021                      8/2/2006                        2/1/2007
     530.46                       55095.03                       55153                    11.125                  DAYTONA BEACH                                                   FL                          32124                         1                      2                       12/1/2006                     11/1/2021                      8/1/2006                        2/1/2007
    1172.73                      118307.35                      118422                      11.5                  STOCKTON                                                        CA                          95209                         1                      2                       12/1/2006                     11/1/2021                      8/2/2006                        2/1/2007
     349.75                        35624.5                       35660                    11.375                  DOUGLASVILLE                                                    GA                          30135                         1                      2                       12/1/2006                     11/1/2021                      8/7/2006                        2/1/2007
     728.06                       70718.61                       70780                        12                  LAKE ELSINORE                                                   CA                          92532                         1                      2                       12/1/2006                     11/1/2021                      8/7/2006                        2/1/2007
     539.55                       58912.04                       58983                      10.5                  TOLLESON                                                        AZ                          85353                         1                      2                       12/1/2006                     11/1/2021                     8/17/2006                        2/1/2007
     384.13                       43258.54                       43315                    10.125                  RIO RANCHO                                                      NM                          87144                         1                      2                       12/1/2006                     11/1/2021                      8/9/2006                        2/1/2007
     470.64                       59719.98                       59824                      8.75                  CASA GRANDE                                                     AZ                          85222                         1                      2                       12/1/2006                     11/1/2021                     8/21/2006                        2/1/2007
    1223.08                      122211.77                      122327                    11.625                  BRENTWOOD                                                       CA                          94513                         1                      2                       12/1/2006                     11/1/2021                     8/21/2006                        2/1/2007
     428.25                       41988.53                       42026                    11.875                  QUEEN CREEK                                                     AZ                          85242                         1                      2                       12/1/2006                     11/1/2021                     8/17/2006                        2/1/2007
     493.89                       47528.87                       47569                    12.125                  LOCUST GROVE                                                    GA                          30248                         1                      2                       12/1/2006                     11/1/2021                     8/16/2006                        2/1/2007
     328.83                       33820.36                       33855                     11.25                  QUEEN CREEK                                                     AZ                          85242                         1                      2                       12/1/2006                     11/1/2021                     8/29/2006                        2/1/2007
     548.76                       53803.98                       53852                    11.875                  TOLLESON                                                        AZ                          85353                         1                      2                       12/1/2006                     11/1/2021                     8/17/2006                        2/1/2007
     499.76                       50589.65                       55197                    10.375                  NEWBERG                                                         OR                          97132                         1                      2                       12/1/2006                     11/1/2021                     8/30/2006                        2/1/2007
     432.01                       43166.29                       43207                    11.625                  LAS VEGAS                                                       NV                          89122                         1                      2                       12/1/2006                     11/1/2021                     8/21/2006                        2/1/2007
     542.56                       57478.16                       57542                    10.875                  BAKERSFIELD                                                     CA                          93306                         1                      2                       12/1/2006                     11/1/2021                     8/22/2006                        2/1/2007
     391.71                       40288.77                       40330                     11.25                  NEW BRAUNFELS                                                   TX                          78132                         1                      2                       12/1/2006                     11/1/2021                     8/25/2006                        2/1/2007
     572.76                       59489.44                       59552                    11.125                  QUEEN CREEK                                                     AZ                          85243                         1                      2                       12/1/2006                     11/1/2021                     8/25/2006                        2/1/2007
     530.53                       49219.26                       49261                    12.625                  CORONA                                                          AZ                          85641                         1                      2                       12/1/2006                     11/1/2021                     8/28/2006                        2/1/2007
     347.43                       37175.57                       37218                     10.75                  QUEEN CREEK                                                     AZ                          85242                         1                      2                       12/1/2006                     11/1/2021                     8/29/2006                        2/1/2007
     313.28                       37201.58                       37257                       9.5                  QUEEN CREEK                                                     AZ                          85242                         1                      2                       12/1/2006                     11/1/2021                     8/28/2006                        2/1/2007
     462.09                       47527.35                       47576                     11.25                  CASA GRANDE                                                     AZ                          85222                         1                      2                       12/1/2006                     11/1/2021                     9/12/2006                        2/1/2007
     500.26                       52970.93                       53055                    10.875                  PHOENIX                                                         AZ                          85043                         1                      2                       12/1/2006                     11/1/2021                     8/31/2006                        2/1/2007
     672.93                       65979.13                       66038                    11.875                  BAKERSFIELD                                                     CA                          93306                         1                      2                       12/1/2006                     11/1/2021                      9/6/2006                        2/1/2007
     565.66                       63701.88                       63785                    10.125                  ORLANDO                                                         FL                          32824                         1                      2                       12/1/2006                     11/1/2021                      9/7/2006                        2/1/2007
     781.45                       81968.41                       82057                        11                  WOODBRIDGE                                                      VA                          22191                         1                      2                       12/1/2006                     11/1/2021                     9/12/2006                        2/1/2007
     567.14                       61925.43                       62000                      10.5                  SACRAMENTO                                                      CA                          95834                         1                      2                       12/1/2006                     11/1/2021                     9/19/2006                        2/1/2007
     526.75                        51645.9                       51692                    11.875                  QUEEN CREEK                                                     AZ                          85242                         1                      2                       12/1/2006                     11/1/2021                    10/12/2006                        2/1/2007
     676.87                       70302.04                       70376                    11.125                  QUEEN CREEK                                                     AZ                          85242                         1                      2                       12/1/2006                     11/1/2021                    10/13/2006                        2/1/2007
     414.55                       44806.46                       44859                    10.625                  ALBUQUERQUE                                                     NM                          87121                         1                      2                       12/1/2006                     11/1/2021                     9/18/2006                        2/1/2007
    1023.63                      108442.58                      108563                    10.875                  PHOENIX                                                         AZ                          85085                         1                      2                       12/1/2006                     11/1/2021                     9/13/2006                        2/1/2007
     410.57                       39147.84                       39180                     12.25                  PINGREE GROVE                                                   IL                          60140                         1                      2                       12/1/2006                     11/1/2021                     9/13/2006                        2/1/2007
     575.28                       64115.52                       64197                     10.25                  VICTORVILLE                                                     CA                          92392                         1                      2                       12/1/2006                     11/1/2021                     9/13/2006                        2/1/2007
     527.72                       48963.02                       49000                    12.625                  OCOEE                                                           FL                          34761                         1                      2                       12/1/2006                     11/1/2021                     10/2/2006                        2/1/2007
     387.67                       43657.03                       43714                    10.125                  RIO RANCHO                                                      NM                          87144                         1                      2                       12/1/2006                     11/1/2021                     10/2/2006                        2/1/2007
     604.28                       71757.08                       71864                       9.5                  LINCOLN                                                         CA                          95648                         1                      2                       12/1/2006                     11/1/2021                     9/15/2006                        2/1/2007
     304.05                       26756.92                       26774                    13.375                  QUEEN CREEK                                                     AZ                          85243                         1                      2                       12/1/2006                     11/1/2021                     9/22/2006                        2/1/2007
     504.71                       49841.96                       50000                     11.75                  LAS VEGAS                                                       NV                          89178                         1                      2                       12/1/2006                     11/1/2021                     9/15/2006                        2/1/2007
     391.46                        45498.7                       45563                      9.75                  TUCSON                                                          AZ                          85747                         1                      2                       12/1/2006                     11/1/2021                     9/15/2006                        2/1/2007
     879.16                      106697.48                      106865                      9.25                  ELK GROVE                                                       CA                          95757                         1                      2                       12/1/2006                     11/1/2021                     9/19/2006                        2/1/2007
    1086.72                      112871.28                      112990                    11.125                  MILPITAS                                                        CA                          95035                         1                      2                       12/1/2006                     11/1/2021                     9/21/2006                        2/1/2007
     489.93                       54603.62                       54673                     10.25                  BYRON                                                           CA                          94514                         1                      2                       12/1/2006                     11/1/2021                     9/19/2006                        2/1/2007
     462.14                       43663.13                       43698                    12.375                  SANFORD                                                         FL                          32771                         1                      2                       12/1/2006                     11/1/2021                     9/21/2006                        2/1/2007
     617.17                       59947.97                       60000                        12                  BYRON                                                           CA                          94514                         1                      2                       12/1/2006                     11/1/2021                     9/20/2006                        2/1/2007
    1382.88                      140859.72                      141000                    11.375                  HENDERSON                                                       NV                          89044                         1                      2                       12/1/2006                     11/1/2021                     9/25/2006                        2/1/2007
     449.83                       50134.28                       50198                     10.25                  ORLANDO                                                         FL                          32824                         1                      2                       12/1/2006                     11/1/2021                     9/21/2006                        2/1/2007
      705.8                       67922.67                       67980                    12.125                  HEBER                                                           CA                          92249                         1                      2                       12/1/2006                     11/1/2021                     9/21/2006                        2/1/2007
     541.62                       49362.76                       49398                    12.875                  ORLANDO                                                         FL                          32832                         1                      2                       12/1/2006                     11/1/2021                     9/25/2006                        2/1/2007
     423.99                       47253.94                       47314                     10.25                  QUEEN  CREEK                                                    AZ                          85243                         1                      2                       12/1/2006                     11/1/2021                     9/27/2006                        2/1/2007
     836.57                       102653.6                      102819                     9.125                  ELK GROVE                                                       CA                          95757                         1                      2                       12/1/2006                     11/1/2021                     10/2/2006                        2/1/2007
     704.62                       83673.36                       83798                       9.5                  PALMDALE                                                        CA                          93552                         1                      2                       12/1/2006                     11/1/2021                     10/2/2006                        2/1/2007
     233.91                       25540.25                       25571                      10.5                  LAS VEGAS                                                       NV                          89122                         1                      2                       12/1/2006                     11/1/2021                     9/22/2006                        2/1/2007
     451.56                       48317.85                       48373                     10.75                  SANFORD                                                         FL                          32771                         1                      2                       12/1/2006                     11/1/2021                     9/22/2006                        2/1/2007
     476.76                       61890.51                       62004                       8.5                  LINCOLN                                                         CA                          95648                         1                      2                       12/1/2006                     11/1/2021                     9/27/2006                        2/1/2007
     559.41                       67891.41                       67998                      9.25                  LAS VEGAS                                                       NV                          89122                         1                      2                       12/1/2006                     11/1/2021                     9/28/2006                        2/1/2007
     249.25                       26940.41                       26972                    10.625                  LAS VEGAS                                                       NV                          89141                         1                      2                       12/1/2006                     11/1/2021                     10/2/2006                        2/1/2007
      486.3                       39692.43                       39712                      14.5                  GOODYEAR                                                        AZ                          85338                         1                      2                       12/1/2006                     11/1/2021                     9/25/2006                        2/1/2007
     874.49                      103845.31                      104000                       9.5                  ELK GROVE                                                       CA                          95757                         1                      2                       12/1/2006                     11/1/2021                     10/3/2006                        2/1/2007
     437.32                        48240.3                       48300                    10.375                  SANGER                                                          CA                          93657                         1                      2                       12/1/2006                     11/1/2021                     9/27/2006                        2/1/2007
    1053.09                       119839.4                      120000                        10                  CHOWCHILLA                                                      CA                          93610                         1                      2                       12/1/2006                     11/1/2021                     9/26/2006                        2/1/2007
     530.48                       57922.24                       57992                      10.5                  FIFE                                                            WA                          98424                         1                      2                       12/1/2006                     11/1/2021                     10/5/2006                        2/1/2007
     524.31                       44225.54                       44250                        14                  GOODYEAR                                                        AZ                          85338                         1                      2                       12/1/2006                     11/1/2021                     9/28/2006                        2/1/2007
     237.62                       30745.72                       30903                       8.5                  FORT WORTH                                                      TX                          76248                         1                      2                       12/1/2006                     11/1/2021                     10/2/2006                        2/1/2007
     387.24                       41854.93                       41904                    10.625                  PALM CITY                                                       FL                          34990                         1                      2                       12/1/2006                     11/1/2021                     10/4/2006                        2/1/2007
     812.04                       81920.62                       82000                      11.5                  LAS VEGAS                                                       NV                          89131                         1                      2                       12/1/2006                     11/1/2021                     10/4/2006                        2/1/2007
     369.75                       46918.28                       47000                      8.75                  ELK GROVE                                                       CA                          95624                         1                      2                       12/1/2006                     11/1/2021                     10/3/2006                        2/1/2007
      223.6                       26841.95                       26883                     9.375                  FLOWERY BRANCH                                                  GA                          30542                         1                      2                       12/1/2006                     11/1/2021                     9/29/2006                        2/1/2007
     437.47                       32481.41                       32643                    14.125                  SUMMERVILLE                                                     SC                          29485                         1                      2                       12/1/2006                     11/1/2021                    10/11/2006                        2/1/2007
     244.33                       25883.23                       25912                    10.875                  FT WORTH                                                        TX                          76177                         1                      2                       12/1/2006                     11/1/2021                     9/29/2006                        2/1/2007
     280.17                       28815.48                       28845                     11.25                  DENHAM SPRINGS                                                  LA                          70706                         1                      2                       12/1/2006                     11/1/2021                     10/2/2006                        2/1/2007
     283.79                       31958.28                       32000                    10.125                  FT WORTH                                                        TX                          76248                         1                      2                       12/1/2006                     11/1/2021                     10/2/2006                        2/1/2007
     338.59                       35151.87                       35204                    11.125                  LOCUST GROVE                                                    GA                          30248                         1                      2                       12/1/2006                     11/1/2021                     10/6/2006                        2/1/2007
     723.77                       75917.95                       76000                        11                  NORTH LAS VEGAS                                                 NV                          89031                         1                      2                       12/1/2006                     11/1/2021                    10/11/2006                        2/1/2007
     281.38                       31360.15                       31400                     10.25                  RIVIERA BEACH                                                   FL                          33404                         1                      2                       12/1/2006                     11/1/2021                     10/6/2006                        2/1/2007
     198.54                       25477.51                       25526                     8.625                  LUBBOCK                                                         TX                          79416                         1                      2                       12/1/2006                     11/1/2021                     10/9/2006                        2/1/2007
     694.13                       70025.13                       70093                      11.5                  LAS VEGAS                                                       NV                          89123                         1                      2                       12/1/2006                     11/1/2021                     10/3/2006                        2/1/2007
     494.36                       54481.66                       54600                    10.375                  LAS VEGAS                                                       NV                          89141                         1                      2                       12/1/2006                     11/1/2021                    10/16/2006                        2/1/2007
     588.52                       69862.65                       69990                       9.5                  FIFE                                                            WA                          98424                         1                      2                       12/1/2006                     11/1/2021                     10/5/2006                        2/1/2007
     414.57                       45266.49                       45321                      10.5                  SAINT AUGUSTINE                                                 FL                          32092                         1                      2                       12/1/2006                     11/1/2021                     10/3/2006                        2/1/2007
     384.89                       40371.23                       40415                        11                  PALM COAST                                                      FL                          32164                         1                      2                       12/1/2006                     11/1/2021                     10/9/2006                        2/1/2007
     499.32                       59940.32                       60032                     9.375                  TOLLESON                                                        AZ                          85353                         1                      2                       12/1/2006                     11/1/2021                     10/4/2006                        2/1/2007
     397.92                       48291.08                       48369                      9.25                  CANTON                                                          GA                          30115                         1                      2                       12/1/2006                     11/1/2021                     10/4/2006                        2/1/2007
     962.62                       86959.64                       87020                        13                  WOODBRIDGE                                                      VA                          22191                         1                      2                       12/1/2006                     11/1/2021                     10/4/2006                        2/1/2007
     368.81                       41969.76                       42026                        10                  ALBUQUERQUE                                                     NM                          87114                         1                      2                       12/1/2006                     11/1/2021                    10/11/2006                        2/1/2007
     262.85                        35748.4                       35821                         8                  TUCSON                                                          AZ                          85706                         1                      2                       12/1/2006                     11/1/2021                     10/4/2006                        2/1/2007
     254.76                       24977.69                       25000                    11.875                  LOGANVILLE                                                      GA                          30052                         1                      2                       12/1/2006                     11/1/2021                     10/5/2006                        2/1/2007
     573.53                       61990.32                       62063                    10.625                  LINCOLN                                                         CA                          95648                         1                      2                       12/1/2006                     11/1/2021                     10/6/2006                        2/1/2007
     498.95                        67860.2                       67998                         8                  HEBER                                                           CA                          92249                         1                      2                       12/1/2006                     11/1/2021                     10/4/2006                        2/1/2007
     449.81                       49618.62                       49680                    10.375                  TUCSON                                                          AZ                          85757                         1                      2                       12/1/2006                     11/1/2021                     10/4/2006                        2/1/2007
     305.17                       32009.39                       32044                        11                  SANGER                                                          TX                          76266                         1                      2                       12/1/2006                     11/1/2021                     10/5/2006                        2/1/2007
    1008.16                      107876.92                      108000                     10.75                  OAKLEY                                                          CA                          94561                         1                      2                       12/1/2006                     11/1/2021                     10/5/2006                        2/1/2007
     292.82                       32635.54                       32677                     10.25                  ALBUQUERQUE                                                     NM                          87121                         1                      2                       12/1/2006                     11/1/2021                    10/11/2006                        2/1/2007
     860.03                       97868.83                       98000                        10                  LAKEVILLE                                                       MN                          55044                         1                      2                       12/1/2006                     11/1/2021                     10/9/2006                        2/1/2007
    1007.54                      105682.86                      105798                        11                  RICHMOND                                                        CA                          94806                         1                      2                       12/1/2006                     11/1/2021                    10/10/2006                        2/1/2007
     746.98                       60969.94                       61000                      14.5                  TIGARD                                                          OR                          97223                         2                      2                       12/1/2006                     11/1/2021                    10/13/2006                        2/1/2007
     649.14                       74606.88                       74755                     9.875                  FIFE                                                            WA                          98424                         1                      2                       12/1/2006                     11/1/2021                     10/5/2006                        2/1/2007
     339.21                       37037.39                       37082                      10.5                  JACKSONVILLE                                                    FL                          32224                         1                      2                       12/1/2006                     11/1/2021                     10/6/2006                        2/1/2007
     600.95                        48474.9                       48757                      12.5                  BLUFFTON                                                        SC                          29909                         1                      2                       12/1/2006                     11/1/2021                    10/13/2006                        2/1/2007
     471.14                       53056.75                       53126                    10.125                  COLORADO SPRINGS                                                CO                          80951                         1                      2                       12/1/2006                     11/1/2021                    10/11/2006                        2/1/2007
     350.71                       39494.45                       39546                    10.125                  SAN ANTONIO                                                     TX                          78247                         1                      2                       12/1/2006                     11/1/2021                    10/10/2006                        2/1/2007
     628.53                        59930.8                       59980                     12.25                  LAKE ELSINORE                                                   CA                          92532                         1                      2                       12/1/2006                     11/1/2021                    10/10/2006                        2/1/2007
     574.77                       56354.71                       56405                    11.875                  OLYMPIA                                                         WA                          98502                         1                      2                       12/1/2006                     11/1/2021                    10/10/2006                        2/1/2007
     467.77                       51599.15                       51663                    10.375                  PHOENIX                                                         AZ                          85043                         1                      2                       12/1/2006                     11/1/2021                     10/9/2006                        2/1/2007
        652                       59937.48                       59998                     12.75                  SAN DIEGO                                                       CA                          92104                         1                      2                       12/1/2006                     11/1/2021                    10/12/2006                        2/1/2007
     379.15                       43602.99                       43663                     9.875                  FRISCO                                                          TX                          75035                         1                      2                       12/1/2006                     11/1/2021                     10/9/2006                        2/1/2007
     392.22                       39951.21                       39991                    11.375                  LACEY                                                           WA                          98513                         1                      2                       12/1/2006                     11/1/2021                    10/15/2006                        2/1/2007
     349.54                       29931.28                       30000                     13.75                  DALLAS                                                          TX                          75249                         1                      2                       12/1/2006                     11/1/2021                    10/17/2006                        2/1/2007
     734.81                       81895.94                       82000                     10.25                  LINCOLN                                                         CA                          95648                         1                      2                       12/1/2006                     11/1/2021                    10/11/2006                        2/1/2007
     496.77                       48706.53                       48750                    11.875                  LAS VEGAS                                                       NV                          89141                         1                      2                       12/1/2006                     11/1/2021                    10/10/2006                        2/1/2007
     459.34                       62473.13                       62600                         8                  THORNTON                                                        CO                          80602                         1                      2                       12/1/2006                     11/1/2021                    10/12/2006                        2/1/2007
      373.4                       33146.25                       33168                     13.25                  CANTON                                                          GA                          30115                         1                      2                       12/1/2006                     11/1/2021                    10/11/2006                        2/1/2007
      919.7                       109213.3                      109376                       9.5                  BYRON                                                           CA                          94514                         1                      2                       12/1/2006                     11/1/2021                    10/17/2006                        2/1/2007
     565.74                       59933.43                       60000                    10.875                  ELK GROVE                                                       CA                          95757                         1                      2                       12/1/2006                     11/1/2021                    10/11/2006                        2/1/2007
     230.81                       23972.78                       23998                    11.125                  ALBUQUERQUE                                                     NM                          87114                         1                      2                       12/1/2006                     11/1/2021                    10/12/2006                        2/1/2007
     667.98                       72935.15                       73023                      10.5                  VICTORVILLE                                                     CA                          92392                         1                      2                       12/1/2006                     11/1/2021                    10/11/2006                        2/1/2007
     305.84                       33393.77                       33434                      10.5                  MCKINNEY                                                        TX                          75070                         1                      2                       12/1/2006                     11/1/2021                    10/16/2006                        2/1/2007
     456.53                       59264.32                       59373                       8.5                  THORNTON                                                        CO                          80602                         1                      2                       12/1/2006                     11/1/2021                    10/12/2006                        2/1/2007
     532.72                        56064.7                       56498                    10.875                  ROCKLIN                                                         CA                          95677                         1                      2                       12/1/2006                     11/1/2021                    10/12/2006                        2/1/2007
     690.93                       82046.75                       82169                       9.5                  CAMARILLO                                                       CA                          93012                         1                      2                       12/1/2006                     11/1/2021                    10/12/2006                        2/1/2007
     478.92                       38775.42                       38794                    14.625                  MYRTLE BEACH                                                    SC                          29579                         1                      2                       12/1/2006                     11/1/2021                    10/18/2006                        2/1/2007
     676.74                       84910.87                       85055                     8.875                  HAVRE DE GRACE                                                  MD                          21078                         1                      2                       12/1/2006                     11/1/2021                    10/16/2006                        2/1/2007
     347.48                       47259.02                       47355                         8                  ALBUQUERUQUE                                                    NM                          87114                         1                      2                       12/1/2006                     11/1/2021                    10/20/2006                        2/1/2007
     213.43                       28027.27                       28080                     8.375                  FORT WORTH                                                      TX                          76131                         1                      2                       12/1/2006                     11/1/2021                    10/16/2006                        2/1/2007
     858.35                       75537.82                       75586                    13.375                  PHOENIX                                                         AZ                          85085                         1                      2                       12/1/2006                     11/1/2021                    10/13/2006                        2/1/2007
    1328.65                      151197.38                      151400                        10                  BRENTWOOD                                                       CA                          94513                         1                      2                       12/1/2006                     11/1/2021                    10/16/2006                        2/1/2007
     771.49                       80923.54                       81011                        11                  INDIO                                                           CA                          92203                         1                      2                       12/1/2006                     11/1/2021                    10/16/2006                        2/1/2007
     371.69                       44108.47                       44203                       9.5                  ST AUGUSTINE                                                    FL                          32092                         1                      2                       12/1/2006                     11/1/2021                    10/19/2006                        2/1/2007
     987.44                        84700.4                       84750                     13.75                  LAS VEGAS                                                       NV                          89117                         1                      2                       12/1/2006                     11/1/2021                    10/18/2006                        2/1/2007
     339.92                       40364.61                       40425                       9.5                  FRISCO                                                          TX                          75035                         1                      2                       12/1/2006                     11/1/2021                    10/17/2006                        2/1/2007
     359.44                       48885.73                       48985                         8                  RIVERVIEW                                                       FL                          33569                         1                      2                       12/1/2006                     11/1/2021                    10/18/2006                        2/1/2007
     527.44                       65440.18                       65551                         9                  THORNTON                                                        CO                          80602                         1                      2                       12/1/2006                     11/1/2021                    10/23/2006                        2/1/2007
     337.16                       35718.34                       35758                    10.875                  BEACH PARK                                                      IL                          60083                         1                      2                       12/1/2006                     11/1/2021                    10/19/2006                        2/1/2007
     634.51                       61632.52                       61686                        12                  TROUTDALE                                                       OR                          97060                         1                      2                       12/1/2006                     11/1/2021                    10/20/2006                        2/1/2007
     336.37                       38517.78                       38736                     9.875                  FORT COLLINS                                                    CO                          80525                         1                      2                       12/1/2006                     11/1/2021                    10/24/2006                        2/1/2007
     393.92                       42149.88                       42198                     10.75                  ST. CLOUD                                                       FL                          34769                         1                      2                       12/1/2006                     11/1/2021                    10/21/2006                        2/1/2007
     922.61                       79813.93                       79862                    13.625                  WAIANAE                                                         HI                          96792                         1                      2                       12/1/2006                     11/1/2021                    10/23/2006                        2/1/2007
     372.08                       42341.24                       42398                        10                  VICTORIA                                                        MN                          55386                         1                      2                       12/1/2006                     11/1/2021                    10/24/2006                        2/1/2007
     550.61                       57014.93                       57250                    11.125                  LAKEWOOD                                                        CO                          80215                         1                      2                        5/1/2006                      4/1/2036                      3/3/2006                        2/1/2007
    1011.07                       85843.81                       86050                    13.875                  PLANTATION                                                      FL                          33324                         1                      2                        3/1/2006                      2/1/2021                     1/19/2006                        2/1/2007
     100.94                       10554.44                       10600                        11                  NEWPORT                                                         KY                          41071                         1                      2                        6/1/2006                      5/1/2036                      4/7/2006                        2/1/2007
      472.4                        50250.8                       51120                    10.625                  BRIGHTWOOD                                                      OR                          97011                         1                      2                        7/1/2006                      6/1/2021                     5/16/2006                        2/1/2007
     395.29                       40982.17                       41100                    11.125                  CALDWELL                                                        ID                          83605                         1                      2                        7/1/2006                      6/1/2036                     5/10/2006                        2/1/2007
     396.76                       41985.42                       42080                    10.875                  VENETA                                                          OR                          97487                         1                      2                        9/1/2006                      8/1/2036                      7/6/2006                        2/1/2007
    1151.49                        97866.9                       98000                    13.875                  BEND                                                            OR                          97701                         3                      2                        8/1/2006                      7/1/2021                     6/16/2006                        2/1/2007
    1344.77                      114317.58                      114450                    13.875                  WASHOUGAL                                                       WA                          98671                         1                      2                        9/1/2006                      8/1/2021                     7/10/2006                        2/1/2007
     296.65                       28789.25                       28840                        12                  EAST HAVEN                                                      CT                           6512                         1                      2                        9/1/2006                      8/1/2036                     7/13/2006                        2/1/2007
     242.12                       24402.02                       24450                      11.5                  SAINT PAUL                                                      MN                          55119                         1                      2                        9/1/2006                      8/1/2036                     7/14/2006                        2/1/2007
     291.76                        33489.5                       33600                     9.875                  STEENS                                                          MS                          39766                         1                      2                        9/1/2006                      8/1/2036                     7/10/2006                        2/1/2007
     339.07                       28349.03                       28380                    14.125                  MADISON                                                         AL                          35758                         1                      2                        9/1/2006                      8/1/2036                     7/13/2006                        2/1/2007
      492.3                       46841.38                       46980                     12.25                  NEW PRAGUE                                                      MN                          56071                         1                      2                        6/1/2006                      5/1/2036                     4/21/2006                        2/1/2007
      602.2                       75326.47                       75688                     8.875                  WASHOUGAL                                                       WA                          98671                         1                      2                        9/1/2006                      8/1/2036                     7/10/2006                        2/1/2007
     599.96                        62838.4                       63000                        11                  SOUTHINGTON                                                     CT                           6489                         1                      2                        8/1/2006                      7/1/2036                     6/22/2006                        2/1/2007
     180.83                       23142.62                       23250                     8.625                  CUMMING                                                         GA                          30041                         1                      2                        8/1/2006                      7/1/2021                     6/26/2006                        2/1/2007
      532.5                       61772.62                       61980                      9.75                  UPPER MARLBORO                                                  MD                          20772                         1                      2                        8/1/2006                      7/1/2036                     6/26/2006                        2/1/2007
     200.96                       23828.09                       23900                       9.5                  MAYWOOD                                                         IL                          60153                         1                      2                        9/1/2006                      8/1/2036                     7/10/2006                        2/1/2007
     252.04                       33411.77                       33550                      8.25                  NORCROSS                                                        GA                          30092                         1                      2                        9/1/2006                      8/1/2021                     7/13/2006                        2/1/2007
     115.17                       13943.17                       14000                      9.25                  CINCINNATI                                                      OH                          45238                         1                      2                        8/1/2006                      7/1/2021                     6/29/2006                        2/1/2007
    1619.45                      155712.93                      155980                    12.125                  VILLAGE OF LAKEWOOD                                             IL                          60014                         1                      2                        9/1/2006                      8/1/2036                     7/17/2006                        2/1/2007
     480.29                       40156.11                       40200                    14.125                  MADISON                                                         AL                          35758                         1                      2                        9/1/2006                      8/1/2036                      7/7/2006                        2/1/2007
     337.89                       32792.24                       32850                        12                  LAS VEGAS                                                       NV                          89101                         1                      2                        9/1/2006                      8/1/2036                     7/11/2006                        2/1/2007
     581.79                       59775.75                       59900                     11.25                  SALT LAKE CITY                                                  UT                          84106                         1                      2                        9/1/2006                      8/1/2036                      7/7/2006                        2/1/2007
     446.39                       39945.17                       40000                    13.125                  CHARLOTTE                                                       NC                          28203                         1                      2                        9/1/2006                      8/1/2021                      7/5/2006                        2/1/2007
     376.46                       41456.67                       41580                    10.375                  PALATINE                                                        IL                          60067                         1                      2                        9/1/2006                      8/1/2036                     7/14/2006                        2/1/2007
     635.41                       61077.09                       61200                    12.125                  TALLAHASSEE                                                     FL                          32308                         4                      2                        8/1/2006                      7/1/2036                     6/28/2006                        2/1/2007
     635.41                       61077.09                       61200                    12.125                  TALLAHASSEE                                                     FL                          32308                         4                      2                        8/1/2006                      7/1/2036                     6/29/2006                        2/1/2007
     236.83                       21536.91                       21600                    12.875                  BATON ROUGE                                                     LA                          70820                         2                      2                        7/1/2006                      6/1/2036                     5/19/2006                        2/1/2007
     178.82                       16980.46                       17250                     9.375                  BINGHAMTON                                                      NY                          13903                         1                      2                        9/1/2006                      8/1/2021                     7/18/2006                        2/1/2007
     365.16                       35415.83                       35500                        12                  LOS ANGELES                                                     CA                          90001                         1                      2                        7/1/2006                      6/1/2021                     5/19/2006                        2/1/2007
     338.42                       31945.17                       32000                    12.375                  PALATINE                                                        IL                          60074                         1                      2                        9/1/2006                      8/1/2036                     7/17/2006                        2/1/2007
     309.85                       30930.78                       30990                    11.625                  CHENEY                                                          WA                          99004                         1                      2                        9/1/2006                      8/1/2036                     6/30/2006                        2/1/2007
     700.82                       67384.38                       67500                    12.125                  SOMERSWORTH                                                     NH                           3878                         3                      2                        9/1/2006                      8/1/2036                     7/19/2006                        2/1/2007
    1244.31                      105777.46                      105900                    13.875                  WASHOUGAL                                                       WA                          98671                         1                      2                        9/1/2006                      8/1/2021                     7/10/2006                        2/1/2007
     784.87                       74775.26                       74900                     12.25                  PALMDALE                                                        CA                          93550                         1                      2                        9/1/2006                      8/1/2036                     7/10/2006                        2/1/2007
     323.43                       34907.35                       35000                    10.625                  SUPERIOR                                                        WI                          54880                         1                      2                        9/1/2006                      8/1/2036                     7/14/2006                        2/1/2007
     476.16                        49858.5                       50000                        11                  BEAVERTON                                                       OR                          97007                         1                      2                        9/1/2006                      8/1/2021                     7/10/2006                        2/1/2007
     566.86                       53513.13                       53600                    12.375                  HYATTSVILLE                                                     MD                          20782                         1                      2                        9/1/2006                      8/1/2021                     7/17/2006                        2/1/2007
     227.94                       23649.52                       23700                    11.125                  SPOKANE                                                         WA                          99223                         1                      2                        9/1/2006                      8/1/2036                     7/12/2006                        2/1/2007
     191.59                       22236.31                       22300                      9.75                  MERIDIAN                                                        ID                          83642                         1                      2                        9/1/2006                      8/1/2021                     7/12/2006                        2/1/2007
     217.36                       25214.25                       25300                      9.75                  KINGSLAND                                                       GA                          31548                         1                      2                        9/1/2006                      8/1/2036                     7/17/2006                        2/1/2007
     315.25                        40743.6                       41000                       8.5                  ABINGDON                                                        MD                          21009                         1                      2                        5/1/2006                      4/1/2036                     3/17/2006                        2/1/2007
     629.22                       71438.72                       71700                        10                  ALEXANDRIA                                                      VA                          22303                         1                      2                        7/1/2006                      6/1/2021                     5/31/2006                        2/1/2007
     202.72                       17372.15                       17400                     13.75                  LAFAYETTE                                                       LA                          70506                         1                      2                        7/1/2006                      6/1/2036                     5/18/2006                        2/1/2007
     517.18                       54189.17                       54308                        11                  MOUNT JOY                                                       PA                          17552                         1                      2                        9/1/2006                      8/1/2021                     7/14/2006                        2/1/2007
     232.72                       27893.56                       27980                     9.375                  HUNTSVILLE                                                      AL                          35811                         1                      2                        9/1/2006                      8/1/2036                     7/14/2006                        2/1/2007
     740.96                       85092.56                       85330                     9.875                  PERINTON                                                        NY                          14526                         1                      2                        9/1/2006                      8/1/2036                     7/14/2006                        2/1/2007
     406.33                       50234.17                       50500                         9                  TAUNTON                                                         MA                           2780                         1                      2                        8/1/2006                      7/1/2021                     6/29/2006                        2/1/2007
      359.7                       33348.85                       33400                    12.625                  AUSTELL                                                         GA                          30106                         1                      2                        9/1/2006                      8/1/2021                     7/19/2006                        2/1/2007
     485.51                       47116.88                       47200                        12                  GWYNN OAK                                                       MD                          21207                         1                      2                        9/1/2006                      8/1/2036                      7/6/2006                        2/1/2007
     617.21                       58801.89                       58900                     12.25                  PARK RIDGE                                                      IL                          60068                         1                      2                        9/1/2006                      8/1/2036                     7/19/2006                        2/1/2007
     185.15                       17952.34                       18000                        12                  HAMILTON                                                        AL                          35570                         1                      2                        8/1/2006                      7/1/2036                     6/27/2006                        2/1/2007
     740.29                       69886.63                       70000                    12.375                  GLEN ELLYN                                                      IL                          60137                         1                      2                        9/1/2006                      8/1/2036                     7/14/2006                        2/1/2007
     1285.4                      129475.18                      129800                      11.5                  JAMAICA                                                         NY                          11433                         2                      2                        8/1/2006                      7/1/2036                     6/29/2006                        2/1/2007
     377.03                       36928.07                       37000                    11.875                  BUHL                                                            ID                          83316                         1                      2                        9/1/2006                      8/1/2036                     7/10/2006                        2/1/2007
     281.24                       28344.23                       28400                      11.5                  GLOBE                                                           AZ                          85501                         4                      2                        9/1/2006                      8/1/2021                      7/7/2006                        2/1/2007
     691.61                       65890.07                       66000                     12.25                  STICKNEY                                                        IL                          60402                         1                      2                        9/1/2006                      8/1/2036                     7/10/2006                        2/1/2007
    1163.32                      109670.96                      110000                    12.375                  LANDENBERG                                                      PA                          19350                         1                      2                        9/1/2006                      8/1/2036                      7/7/2006                        2/1/2007
     412.46                       46872.61                       47000                        10                  KINGSTON                                                        NY                          12401                         1                      2                        9/1/2006                      8/1/2036                     7/19/2006                        2/1/2007
     292.91                       35854.19                       36000                     9.125                  WACONIA                                                         MN                          55387                         1                      2                        8/1/2006                      7/1/2021                     6/30/2006                        2/1/2007
     404.92                       38916.28                       39000                    12.125                  ESSEX                                                           CT                           6426                         1                      2                        8/1/2006                      7/1/2036                     6/27/2006                        2/1/2007
    1635.65                      176449.56                      177000                    10.625                  MAPLE GROVE                                                     MN                          55311                         1                      2                        8/1/2006                      7/1/2021                     6/21/2006                        2/1/2007
      697.9                       59828.71                       59900                     13.75                  EAGAN                                                           MN                          55123                         1                      2                        9/1/2006                      8/1/2036                     7/21/2006                        2/1/2007
     247.52                       23798.91                       23840                    12.125                  AKRON                                                           PA                          17501                         1                      2                        9/1/2006                      8/1/2036                     7/20/2006                        2/1/2007
     696.39                       65107.81                       65250                      12.5                  SWAMPSCOTT                                                      MA                           1907                         1                      2                        8/1/2006                      7/1/2036                     6/27/2006                        2/1/2007
     495.29                       62000.21                       62250                     8.875                  SILVER SPRING                                                   MD                          20902                         1                      2                        8/1/2006                      7/1/2036                     6/28/2006                        2/1/2007
    1438.18                      122258.38                      122400                    13.875                  WASHOUGAL                                                       WA                          98671                         1                      2                        9/1/2006                      8/1/2021                     7/11/2006                        2/1/2007
     232.91                       20561.25                       27700                       9.5                  DOWNERS GROVE                                                   IL                          60515                         1                      2                        9/1/2006                      8/1/2036                     7/19/2006                        2/1/2007
     572.42                       23503.09                       55650                        12                  OREGON CITY                                                     OR                          97045                         1                      2                        9/1/2006                      8/1/2036                     7/12/2006                        2/1/2007
      406.6                       43895.61                       44000                    10.625                  PORTLAND                                                        OR                          97233                         1                      2                        9/1/2006                      8/1/2021                     7/14/2006                        2/1/2007
     456.86                       43130.04                       43200                    12.375                  MCHENRY                                                         IL                          60050                         1                      2                        9/1/2006                      8/1/2036                     7/13/2006                        2/1/2007
     576.26                       42566.75                       43000                    14.125                  PIGEON FORGE                                                    TN                          37863                         2                      2                        9/1/2006                      8/1/2021                     7/13/2006                        2/1/2007
      246.8                       28667.38                       30000                      9.25                  GROVEPORT                                                       OH                          43125                         1                      2                        9/1/2006                      8/1/2036                     7/20/2006                        2/1/2007
     932.93                       96757.73                       97000                    11.125                  NORTH BABYLON                                                   NY                          11703                         1                      2                        8/1/2006                      7/1/2036                     6/30/2006                        2/1/2007
     272.85                       25758.21                       25800                    12.375                  AUSTELL                                                         GA                          30106                         1                      2                        9/1/2006                      8/1/2021                     7/20/2006                        2/1/2007
     347.16                       33690.58                       33750                        12                  LEAVENWORTH                                                     WA                          98826                         1                      2                        9/1/2006                      8/1/2021                     7/10/2006                        2/1/2007
     160.79                       17358.72                       17400                    10.625                  ARIZONA CITY                                                    AZ                          85223                         1                      2                        9/1/2006                      8/1/2021                      7/5/2006                        2/1/2007
     371.32                       35475.01                       36100                        12                  SPOKANE                                                         WA                          99202                         1                      2                        9/1/2006                      8/1/2036                     7/14/2006                        2/1/2007
     188.16                       18962.67                       19000                      11.5                  SPENCERPORT                                                     NY                          14559                         1                      2                        9/1/2006                      8/1/2036                     7/21/2006                        2/1/2007
     646.48                       62739.39                       62850                        12                  LEAVENWORTH                                                     WA                          98826                         1                      2                        9/1/2006                      8/1/2021                     7/11/2006                        2/1/2007
     527.08                       66764.52                       67000                      8.75                  WINNETKA                                                        IL                          60093                         1                      2                        9/1/2006                      8/1/2036                     7/20/2006                        2/1/2007
     356.92                       34638.97                       34700                        12                  SALEM                                                           OR                          97301                         1                      2                        9/1/2006                      8/1/2036                      7/3/2006                        2/1/2007
     226.34                       21564.06                       21600                     12.25                  ATHENS                                                          AL                          35613                         1                      2                        9/1/2006                      8/1/2036                     7/14/2006                        2/1/2007
     367.79                       37424.28                       37500                    11.375                  COLORADO SPRINGS                                                CO                          80908                         1                      2                        9/1/2006                      8/1/2036                     7/14/2006                        2/1/2007
     414.44                       41767.77                       41850                      11.5                  TACOMA                                                          WA                          98405                         1                      2                        9/1/2006                      8/1/2036                     7/12/2006                        2/1/2007
     180.41                       15074.05                       15100                    14.125                  BALTIMORE                                                       MD                          21229                         1                      2                        9/1/2006                      8/1/2021                     7/21/2006                        2/1/2007
     206.66                       25309.03                       25400                     9.125                  LONG BEACH                                                      MS                          39560                         1                      2                        9/1/2006                      8/1/2021                     7/19/2006                        2/1/2007
     197.45                       22211.02                       22500                        10                  KISSIMMEE                                                       FL                          34758                         1                      2                        9/1/2006                      8/1/2021                     7/28/2006                        2/1/2007
    1009.87                      104776.28                      105000                    11.125                  FORT LAUDERDALE                                                 FL                          33316                         4                      2                        9/1/2006                      8/1/2036                     7/14/2006                        2/1/2007
     347.34                        39888.7                       40000                     9.875                  RENTON                                                          WA                          98056                         1                      2                        9/1/2006                      8/1/2021                     7/14/2006                        2/1/2007
     405.48                       48526.33                       48750                     9.375                  WYANDANCH                                                       NY                          11798                         1                      2                        7/1/2006                      6/1/2021                     5/15/2006                        2/1/2007
     588.83                        62309.6                       62450                    10.875                  YUMA                                                            AZ                          85367                         1                      2                        9/1/2006                      8/1/2021                      7/7/2006                        2/1/2007
        255                       29881.72                       30000                     9.625                  VIRGINIA BEACH                                                  VA                          23456                         1                      2                        7/1/2006                      6/1/2021                     5/26/2006                        2/1/2007
     323.93                       31128.04                       31200                    12.125                  LAFAYETTE                                                       LA                          70507                         1                      2                        7/1/2006                      6/1/2036                      6/2/2006                        2/1/2007
     542.81                       51698.81                       51800                     12.25                  HERSHEY                                                         PA                          17033                         1                      2                        8/1/2006                      7/1/2021                     6/29/2006                        2/1/2007
     461.76                       50872.34                       51000                    10.375                  OLYMPIA                                                         WA                          98512                         1                      2                        9/1/2006                      8/1/2036                     6/30/2006                        2/1/2007
     398.22                       40914.96                       41000                     11.25                  HILLIARD                                                        OH                          43026                         1                      2                        9/1/2006                      8/1/2036                     7/14/2006                        2/1/2007
     325.95                       27478.04                       27509                        14                  OAK HALL                                                        VA                          23416                         1                      2                        9/1/2006                      8/1/2021                     7/21/2006                        2/1/2007
     547.82                       51716.07                       51800                    12.375                  DELTONA                                                         FL                          32725                         1                      2                        9/1/2006                      8/1/2036                     7/24/2006                        2/1/2007
     569.91                       53315.87                       53400                      12.5                  CHICAGO                                                         IL                          60621                         2                      2                        9/1/2006                      8/1/2036                     7/24/2006                        2/1/2007
     316.21                       29769.47                       29900                    12.375                  NORTH CHICAGO                                                   IL                          60064                         2                      2                        9/1/2006                      8/1/2036                     7/25/2006                        2/1/2007
     296.11                       27954.68                       28000                    12.375                  MOODY                                                           AL                          35004                         1                      2                        9/1/2006                      8/1/2036                     7/18/2006                        2/1/2007
      717.7                       61526.73                       61600                     13.75                  WOODBURY                                                        MN                          55125                         1                      2                        9/1/2006                      8/1/2036                     7/25/2006                        2/1/2007
    1243.76                       103986.2                      104100                    14.125                  PHOENIX                                                         AZ                          85029                         4                      2                        9/1/2006                      8/1/2021                     7/18/2006                        2/1/2007
     525.21                       65706.14                       66010                     8.875                  FREDERICKSBURG                                                  VA                          22407                         1                      2                        7/1/2006                      6/1/2036                     6/27/2006                        2/1/2007
     991.69                       84268.25                       84400                    13.875                  KIRKLAND                                                        WA                          98033                         1                      2                        7/1/2006                      6/1/2036                     5/16/2006                        2/1/2007
     616.87                        52428.7                       52500                    13.875                  RICHMOND                                                        VA                          23234                         1                      2                        8/1/2006                      7/1/2036                     6/20/2006                        2/1/2007
     281.43                       27311.82                       27360                        12                  COLUMBUS                                                        OH                          43235                         1                      2                        9/1/2006                      8/1/2036                     7/26/2006                        2/1/2007
    1317.58                      111053.21                      111200                        14                  PHOENIX                                                         AZ                          85085                         1                      2                        8/1/2006                      7/1/2021                     6/28/2006                        2/1/2007
     204.77                       23766.97                       23835                      9.75                  SAINT PAUL                                                      MN                          55119                         1                      2                        9/1/2006                      8/1/2036                     7/12/2006                        2/1/2007
     544.95                        52886.8                       52980                        12                  EAST GREENBUSH                                                  NY                          12061                         1                      2                        9/1/2006                      8/1/2036                     7/25/2006                        2/1/2007
     799.78                       67424.15                       67500                        14                  LAKE IN THE HILLS                                               IL                          60156                         1                      2                        9/1/2006                      8/1/2036                     7/26/2006                        2/1/2007
     384.47                       35645.32                       35700                    12.625                  DOLTON                                                          IL                          60419                         1                      2                        9/1/2006                      8/1/2036                     7/26/2006                        2/1/2007
     322.18                       27388.26                       27420                    13.875                  KALAMAZOO                                                       MI                          49001                         1                      2                        9/1/2006                      8/1/2036                     7/14/2006                        2/1/2007
     236.56                       19765.99                       19800                    14.125                  MADISON                                                         AL                          35758                         1                      2                        9/1/2006                      8/1/2036                     7/25/2006                        2/1/2007
     142.69                       15524.51                       15600                      10.5                  JEROME                                                          ID                          83338                         1                      2                        9/1/2006                      8/1/2021                     7/13/2006                        2/1/2007
     285.89                       33897.65                       34000                       9.5                  YUMA                                                            AZ                          85367                         1                      2                        9/1/2006                      8/1/2021                     7/12/2006                        2/1/2007
     243.22                       20676.05                       20700                    13.875                  EDGEWATER                                                       FL                          32141                         1                      2                        9/1/2006                      8/1/2036                      7/7/2006                        2/1/2007
     228.69                       23893.52                       25000                      10.5                  JAMAICA                                                         NY                          11432                         3                      2                        9/1/2006                      8/1/2036                     7/13/2006                        2/1/2007
     143.06                       17652.29                       17780                         9                  GREECE                                                          NY                          14616                         1                      2                        9/1/2006                      8/1/2036                     7/17/2006                        2/1/2007
     473.79                       44727.42                       44800                    12.375                  CAPITOL HEIGHTS                                                 MD                          20743                         1                      2                        9/1/2006                      8/1/2036                     7/12/2006                        2/1/2007
     242.82                       24948.14                       25000                     11.25                  NORTH PORT                                                      FL                          34287                         1                      2                        9/1/2006                      8/1/2021                     7/26/2006                        2/1/2007
     130.21                       10977.69                       10990                        14                  INDIANAPOLIS                                                    IN                          46228                         1                      2                        9/1/2006                      8/1/2021                     7/26/2006                        2/1/2007
     118.48                         9988.8                       10000                        14                  INDIANAPOLIS                                                    IN                          46219                         1                      2                        9/1/2006                      8/1/2021                     7/25/2006                        2/1/2007
     403.94                       41910.56                       42000                    11.125                  DALLAS                                                          GA                          30157                         1                      2                        9/1/2006                      8/1/2036                     7/26/2006                        2/1/2007
    1243.76                       103986.2                      104100                    14.125                  PHOENIX                                                         AZ                          85029                         4                      2                        9/1/2006                      8/1/2021                     7/19/2006                        2/1/2007
      254.6                       31871.65                       32000                     8.875                  BAKER                                                           FL                          32531                         1                      2                        8/1/2006                      7/1/2021                     6/22/2006                        2/1/2007
    1232.91                      124255.49                      124500                      11.5                  CHICAGO                                                         IL                          60639                         2                      2                        9/1/2006                      8/1/2036                     7/21/2006                        2/1/2007
      260.5                       29902.25                       30000                     9.875                  COLLEGE PARK                                                    MD                          20740                         1                      2                        8/1/2006                      7/1/2021                     6/29/2006                        2/1/2007
     627.26                       52442.59                       52500                    14.125                  PALM BAY                                                        FL                          32908                         1                      2                        9/1/2006                      8/1/2036                     7/27/2006                        2/1/2007
     259.68                       26910.41                       27000                    11.125                  NEPHI                                                           UT                          84648                         1                      2                        9/1/2006                      8/1/2036                     7/21/2006                        2/1/2007
     151.96                       18952.76                       19100                     8.875                  TWIN FALLS                                                      ID                          83301                         1                      2                        9/1/2006                      8/1/2021                     7/20/2006                        2/1/2007
     654.09                       62892.15                       63000                    12.125                  LITHONIA                                                        GA                          30038                         1                      2                        9/1/2006                      8/1/2021                     7/18/2006                        2/1/2007
     252.33                       25926.14                       25980                     11.25                  BOULDER                                                         CO                          80301                         1                      2                        9/1/2006                      8/1/2036                     7/26/2006                        2/1/2007
     607.47                       51629.79                       51700                    13.875                  BETHLEHEM                                                       PA                          18015                         1                      2                        8/1/2006                      7/1/2036                      6/9/2006                        2/1/2007
     315.48                       26808.12                       26850                    13.875                  SAN ANTONIO                                                     TX                          78254                         1                      2                        7/1/2006                      6/1/2036                     5/16/2006                        2/1/2007
      908.5                       98611.77                       99318                      10.5                  LAKESIDE                                                        TX                          76108                         1                      2                        7/1/2006                      6/1/2021                     5/30/2006                        2/1/2007
     447.67                       38040.53                       38100                    13.875                  RICHMOND                                                        VA                          23222                         1                      2                        7/1/2006                      6/1/2021                     5/18/2006                        2/1/2007
     419.16                       39933.35                       40000                     12.25                  DRAIN                                                           OR                          97435                         1                      2                        9/1/2006                      8/1/2021                     7/14/2006                        2/1/2007
     345.31                       43251.25                       43400                     8.875                  LOGAN                                                           UT                          84341                         1                      2                        9/1/2006                      8/1/2036                     7/12/2006                        2/1/2007
     542.74                       61038.43                       61200                    10.125                  PORTLAND                                                        OR                          97229                         1                      2                        9/1/2006                      8/1/2021                     7/17/2006                        2/1/2007
     103.82                        9977.49                       10000                    12.125                  BALTIMORE                                                       MD                          21229                         1                      2                        9/1/2006                      8/1/2036                     7/19/2006                        2/1/2007
     770.44                       77647.24                       77800                      11.5                  MELROSE PARK                                                    IL                          60160                         1                      2                        9/1/2006                      8/1/2036                     7/13/2006                        2/1/2007
     155.75                       14970.85                       15001                    12.125                  SAN ANTONIO                                                     TX                          78245                         1                      2                        8/1/2006                      7/1/2036                     6/21/2006                        2/1/2007
     850.71                       92690.34                       93000                      10.5                  ROCKVILLE                                                       MD                          20851                         1                      2                        8/1/2006                      7/1/2036                     6/27/2006                        2/1/2007
     319.94                       31922.11                       32000                    11.625                  UNION CITY                                                      GA                          30291                         1                      2                        9/1/2006                      8/1/2036                     7/20/2006                        2/1/2007
     339.52                       32346.02                       32400                     12.25                  FAYETTEVILLE                                                    NC                          28314                         1                      2                        9/1/2006                      8/1/2036                     7/21/2006                        2/1/2007
     147.43                       16754.49                       16800                        10                  LAUDERHILL                                                      FL                          33313                         1                      2                        9/1/2006                      8/1/2036                     7/17/2006                        2/1/2007
     291.27                       36079.13                       36200                         9                  SPOKANE                                                         WA                          99203                         1                      2                        9/1/2006                      8/1/2036                     7/13/2006                        2/1/2007
     345.52                       41865.37                       42000                      9.25                  BELCAMP                                                         MD                          21017                         1                      2                        9/1/2006                      8/1/2036                     7/20/2006                        2/1/2007
     611.39                       52412.54                       52475                     13.75                  HARTFORD                                                        CT                           6112                         2                      2                        9/1/2006                      8/1/2036                     7/20/2006                        2/1/2007
     175.84                       20193.65                       20250                     9.875                  FREEHOLD                                                        NJ                           7728                         1                      2                        9/1/2006                      8/1/2036                     7/17/2006                        2/1/2007
      418.9                       42202.55                       42300                      11.5                  CHICAGO RIDGE                                                   IL                          60415                         1                      2                        8/1/2006                      7/1/2021                     6/29/2006                        2/1/2007
     128.23                       16242.72                       16300                      8.75                  FRANKLIN PARK                                                   IL                          60131                         1                      2                        9/1/2006                      8/1/2036                     7/14/2006                        2/1/2007
     375.02                       44440.25                       44600                       9.5                  SULTAN                                                          WA                          98294                         1                      2                        9/1/2006                      8/1/2021                     7/17/2006                        2/1/2007
     515.44                       44933.46                       45000                      13.5                  BROOKLYN                                                        NY                          11213                         2                      2                        8/1/2006                      7/1/2036                     6/30/2006                        2/1/2007
     367.14                       37702.36                       37800                     11.25                  LAKELAND                                                        FL                          33813                         1                      2                        9/1/2006                      8/1/2036                     7/19/2006                        2/1/2007
     142.79                       16750.79                       16800                     9.625                  STARKVILLE                                                      MS                          39759                         2                      2                        9/1/2006                      8/1/2036                     7/21/2006                        2/1/2007
     512.55                       42853.16                       42900                    14.125                  NEW ORLEANS                                                     LA                          70117                         1                      2                        9/1/2006                      8/1/2021                     7/21/2006                        2/1/2007
     690.78                       73829.04                       74000                     10.75                  DORCHESTER                                                      MA                           2124                         3                      2                        9/1/2006                      8/1/2036                     7/14/2006                        2/1/2007
     364.58                       41868.15                       41985                     9.875                  AMERICAN FORK                                                   UT                          84003                         4                      2                        9/1/2006                      8/1/2036                     7/19/2006                        2/1/2007
     453.14                       57373.99                       57600                      8.75                  SUNRISE                                                         FL                          33351                         1                      2                        9/1/2006                      8/1/2021                     7/21/2006                        2/1/2007
     121.47                       11676.55                       11700                    12.125                  ZACHARY                                                         LA                          70791                         1                      2                        8/1/2006                      7/1/2021                      7/5/2006                        2/1/2007
     582.06                       69763.76                       69980                     9.375                  OWINGS MILLS                                                    MD                          21117                         1                      2                        9/1/2006                      8/1/2036                     7/26/2006                        2/1/2007
     325.95                       32537.67                       32600                    11.625                  MEMPHIS                                                         TN                          38111                         1                      2                        9/1/2006                      8/1/2021                     7/19/2006                        2/1/2007
    1309.87                      124630.56                      125000                     12.25                  NORTHRIDGE                                                      CA                          91324                         1                      2                        9/1/2006                      8/1/2036                     7/14/2006                        2/1/2007
     629.78                       59999.92                       60100                     12.25                  TALLAHASSEE                                                     FL                          32308                         1                      2                        9/1/2006                      8/1/2036                     7/25/2006                        2/1/2007
     498.03                       50677.52                       50780                    11.375                  MILLBROOK                                                       AL                          36054                         1                      2                        9/1/2006                      8/1/2036                     7/24/2006                        2/1/2007
     452.38                       38113.39                       38180                        14                  MADISON                                                         AL                          35758                         1                      2                        9/1/2006                      8/1/2036                     7/25/2006                        2/1/2007
    1243.76                       103986.2                      104100                    14.125                  PHOENIX                                                         AZ                          85029                         4                      2                        9/1/2006                      8/1/2021                     7/19/2006                        2/1/2007
     233.57                       21085.26                       21115                        13                  RIVERDALE                                                       IL                          60827                         1                      2                        9/1/2006                      8/1/2021                     7/28/2006                        2/1/2007
     336.17                       39859.68                       39980                       9.5                  YORK                                                            PA                          17407                         1                      2                        9/1/2006                      8/1/2036                     7/31/2006                        2/1/2007
    1467.06                      139766.76                      140000                     12.25                  OAKLAND                                                         CA                          94607                         2                      2                        9/1/2006                      8/1/2021                      7/6/2006                        2/1/2007
     319.25                       34107.42                       34200                     10.75                  DAPHNE                                                          AL                          36526                         1                      2                        8/1/2006                      7/1/2021                     6/30/2006                        2/1/2007
     979.31                       92449.95                       92600                    12.375                  ROCKVILLE                                                       MD                          20853                         1                      2                        9/1/2006                      8/1/2021                     7/11/2006                        2/1/2007
     238.41                       27664.21                       27750                      9.75                  NEW MARKET                                                      AL                          35761                         1                      2                        9/1/2006                      8/1/2036                      7/7/2006                        2/1/2007
     734.42                        71252.7                       71400                        12                  TALLAHASSEE                                                     FL                          32311                         1                      2                        8/1/2006                      7/1/2036                     6/30/2006                        2/1/2007
      136.2                       11387.57                       11400                    14.125                  WATERBURY                                                       CT                           6708                         1                      2                        9/1/2006                      8/1/2036                     7/27/2006                        2/1/2007
     911.01                       76166.68                       76250                    14.125                  VANCOUVER                                                       WA                          98684                         1                      2                        9/1/2006                      8/1/2021                      7/6/2006                        2/1/2007
      874.3                       85644.78                       85800                    11.875                  ROSWELL                                                         GA                          30076                         1                      2                        9/1/2006                      8/1/2036                     7/31/2006                        2/1/2007
     504.51                       42505.74                       42580                        14                  MADISON                                                         AL                          35758                         1                      2                        9/1/2006                      8/1/2036                     7/27/2006                        2/1/2007
     381.45                       36677.09                       36740                    12.125                  MERIDIAN                                                        ID                          83642                         1                      2                        9/1/2006                      8/1/2021                     7/24/2006                        2/1/2007
     498.23                       54787.56                       55600                     10.25                  WAGGAMAN                                                        LA                          70094                         1                      2                        9/1/2006                      8/1/2021                     7/31/2006                        2/1/2007
      133.3                       11235.87                       11250                        14                  HARRISBURG                                                      PA                          17110                         1                      2                        9/1/2006                      8/1/2021                     7/28/2006                        2/1/2007
     247.57                       24900.19                       25000                      11.5                  SALT LAKE CITY                                                  UT                          84120                         1                      2                        9/1/2006                      8/1/2021                     7/28/2006                        2/1/2007
     390.41                       32912.98                       32950                        14                  CHATTANOOGA                                                     TN                          37416                         4                      2                        9/1/2006                      8/1/2036                     7/27/2006                        2/1/2007
     607.06                       52944.73                       53000                      13.5                  MINNEAPOLIS                                                     MN                          55407                         2                      2                       10/1/2006                      9/1/2036                     8/24/2006                        2/1/2007
      420.1                       52619.08                       52800                     8.875                  CEDAR HILLS                                                     UT                          84062                         1                      2                        9/1/2006                      8/1/2021                     7/21/2006                        2/1/2007
     753.02                       74397.84                       74600                     11.75                  STAFFORD                                                        VA                          22554                         1                      2                        8/1/2006                      7/1/2036                      7/7/2006                        2/1/2007
     269.53                       27692.43                       27750                     11.25                  SUMMERVILLE                                                     SC                          29485                         1                      2                        9/1/2006                      8/1/2036                      7/6/2006                        2/1/2007
     398.23                       35943.71                       36000                        13                  WESTVILLE                                                       NJ                           8093                         3                      2                        9/1/2006                      8/1/2036                     7/12/2006                        2/1/2007
     520.18                       64407.95                       64650                         9                  LEHI                                                            UT                          84043                         1                      2                        9/1/2006                      8/1/2021                     7/19/2006                        2/1/2007
    1026.59                       93494.31                       93630                    12.875                  ESSEX                                                           MD                          21221                         1                      2                        9/1/2006                      8/1/2021                     7/17/2006                        2/1/2007
     218.43                       23334.05                       23400                     10.75                  DAYTON                                                          OH                          45414                         1                      2                        9/1/2006                      8/1/2021                     7/17/2006                        2/1/2007
     486.53                       47230.98                       47300                        12                  KIRKLAND                                                        WA                          98034                         1                      2                       10/1/2006                      9/1/2021                      8/4/2006                        2/1/2007
     282.32                       25890.54                       25980                     12.75                  ARLINGTON                                                       TX                          76016                         1                      2                        8/1/2006                      7/1/2036                     6/30/2006                        2/1/2007
     257.48                       31879.78                       32000                         9                  BELTSVILLE                                                      MD                          20705                         1                      2                        9/1/2006                      8/1/2036                     7/17/2006                        2/1/2007
     352.66                       42261.73                       42400                     9.375                  FAIRPORT                                                        NY                          14450                         1                      2                        9/1/2006                      8/1/2036                     7/27/2006                        2/1/2007
       93.5                       10973.22                       11000                     9.625                  JAMESTOWN                                                       NY                          14701                         1                      2                       10/1/2006                      9/1/2036                     8/14/2006                        2/1/2007
     634.96                       54433.15                       54498                     13.75                  PORT LABELLE                                                    FL                          33935                         1                      2                        9/1/2006                      8/1/2036                     7/14/2006                        2/1/2007
     474.42                       46903.59                       47000                     11.75                  NEW HAVEN                                                       CT                           6519                         2                      2                       10/1/2006                      9/1/2036                      8/9/2006                        2/1/2007
     723.02                       75007.76                       75175                    11.125                  PEORIA                                                          AZ                          85383                         1                      2                        9/1/2006                      8/1/2021                     7/25/2006                        2/1/2007
     514.09                       44454.84                       44500                    13.625                  ALACHUA                                                         FL                          32615                         1                      2                       10/1/2006                      9/1/2036                     8/10/2006                        2/1/2007
     415.21                       53834.11                       54000                       8.5                  HAUPPAUGE                                                       NY                          11788                         1                      2                       10/1/2006                      9/1/2021                     8/11/2006                        2/1/2007
     515.41                       43459.51                       43500                        14                  HOUSTON                                                         TX                          77068                         1                      2                       10/1/2006                      9/1/2021                      8/8/2006                        2/1/2007
     547.14                       67772.94                       68000                         9                  EL CENTRO                                                       CA                          92243                         1                      2                        9/1/2006                      8/1/2036                     7/24/2006                        2/1/2007
     963.86                       91826.75                       91980                     12.25                  SILVER SPRING                                                   MD                          20906                         1                      2                        9/1/2006                      8/1/2036                     7/28/2006                        2/1/2007
     175.93                       15085.12                       15100                     13.75                  BUFFALO                                                         NY                          14214                         1                      2                       10/1/2006                      9/1/2036                     8/10/2006                        2/1/2007
     573.04                       58898.55                       59000                     11.25                  CHICAGO                                                         IL                          60653                         1                      2                       10/1/2006                      9/1/2036                     8/11/2006                        2/1/2007
     751.97                       71660.89                       71760                     12.25                  COLUMBIA                                                        MD                          21044                         1                      2                       10/1/2006                      9/1/2036                      8/2/2006                        2/1/2007
     126.67                       12167.42                       12200                    12.125                  GREELEY                                                         CO                          80634                         1                      2                       10/1/2006                      9/1/2021                     8/11/2006                        2/1/2007
     715.37                       61301.49                       61400                     13.75                  PALM BAY                                                        FL                          32907                         1                      2                        7/1/2006                      6/1/2021                     5/16/2006                        2/1/2007
      469.5                       58155.14                       58350                         9                  WARRENTON                                                       VA                          20187                         1                      2                        9/1/2006                      8/1/2021                     7/28/2006                        2/1/2007
    1344.77                      114317.58                      114450                    13.875                  WASHOUGAL                                                       WA                          98671                         1                      2                        9/1/2006                      8/1/2021                     7/11/2006                        2/1/2007
    1013.82                      125579.25                      126000                         9                  GRESHAM                                                         OR                          97080                         1                      2                        9/1/2006                      8/1/2021                     7/24/2006                        2/1/2007
     480.92                       50389.49                       50500                        11                  PEMBROKE PINES                                                  FL                          33028                         1                      2                        9/1/2006                      8/1/2021                      7/5/2006                        2/1/2007
    1021.53                       85406.56                       85500                    14.125                  LAKE WORTH                                                      FL                          33460                         1                      2                        9/1/2006                      8/1/2021                     7/27/2006                        2/1/2007
     475.82                       39781.46                       39825                    14.125                  NORFOLK                                                         VA                          23505                         1                      2                        9/1/2006                      8/1/2021                     7/21/2006                        2/1/2007
     262.45                       26192.04                       26250                    11.625                  MONTGOMERY                                                      IL                          60538                         1                      2                        9/1/2006                      8/1/2036                     7/25/2006                        2/1/2007
     524.21                       58348.39                       58500                     10.25                  OAK LAWN                                                        IL                          60453                         1                      2                       10/1/2006                      9/1/2036                     8/10/2006                        2/1/2007
     238.01                        29481.2                       29580                         9                  CUMBERLAND                                                      MD                          21502                         1                      2                        9/1/2006                      8/1/2036                     7/31/2006                        2/1/2007
     175.93                       15081.43                       15100                     13.75                  BUFFALO                                                         NY                          14214                         1                      2                       10/1/2006                      9/1/2036                     8/10/2006                        2/1/2007
     164.49                       13983.84                       14000                    13.875                  BRISTOL                                                         VA                          24201                         1                      2                        9/1/2006                      8/1/2021                     7/28/2006                        2/1/2007
     240.45                       24955.79                       25000                    11.125                  HANOVER                                                         PA                          17331                         1                      2                       10/1/2006                      9/1/2021                     8/14/2006                        2/1/2007
      640.7                       61057.59                       61142                     12.25                  FREDERICKSBURG                                                  VA                          22407                         1                      2                       10/1/2006                      9/1/2036                     8/11/2006                        2/1/2007
     174.78                       14985.97                       15001                     13.75                  HARRISBURG                                                      PA                          17104                         3                      2                       10/1/2006                      9/1/2036                     8/14/2006                        2/1/2007
     307.91                       38554.72                       38700                     8.875                  YUMA                                                            AZ                          85365                         1                      2                        9/1/2006                      8/1/2021                     7/27/2006                        2/1/2007
     141.09                       16729.52                       16780                       9.5                  SPRING                                                          TX                          77389                         1                      2                        9/1/2006                      8/1/2036                     7/28/2006                        2/1/2007
     463.69                       44188.91                       44250                     12.25                  PORT JERVIS                                                     NY                          12771                         1                      2                       10/1/2006                      9/1/2021                      8/4/2006                        2/1/2007
     135.16                       11688.15                       11700                    13.625                  CINCINNATI                                                      OH                          45231                         1                      2                       10/1/2006                      9/1/2036                     8/11/2006                        2/1/2007
     342.13                       42877.65                       43000                     8.875                  ROCKAWAY                                                        NJ                           7866                         2                      2                       10/1/2006                      9/1/2036                     8/10/2006                        2/1/2007
     240.45                       27338.39                       27400                        10                  WOODSTOCK                                                       GA                          30188                         1                      2                       10/1/2006                      9/1/2021                     8/14/2006                        2/1/2007
     178.72                       16247.67                       16300                    12.875                  MOORESVILLE                                                     NC                          28115                         1                      2                        9/1/2006                      8/1/2021                      8/1/2006                        2/1/2007
     726.14                        61728.5                       61800                    13.875                  EASTON                                                          MD                          21601                         1                      2                        9/1/2006                      8/1/2021                     7/28/2006                        2/1/2007
     117.49                        9990.46                       10000                    13.875                  INDIANAPOLIS                                                    IN                          46226                         1                      2                       10/1/2006                      9/1/2021                     8/15/2006                        2/1/2007
      294.9                       38677.75                       38800                     8.375                  HEBRON                                                          MD                          21830                         1                      2                       10/1/2006                      9/1/2036                     8/25/2006                        2/1/2007
     805.71                       67936.66                       68000                        14                  CARMEL                                                          ME                           4419                         4                      2                       10/1/2006                      9/1/2036                     8/10/2006                        2/1/2007
     213.66                       19287.79                       19315                        13                  PHOENIX                                                         IL                          60426                         1                      2                        9/1/2006                      8/1/2021                     7/28/2006                        2/1/2007
     685.24                       65867.48                       66000                    12.125                  NAPLES                                                          FL                          34116                         1                      2                        8/1/2006                      7/1/2021                     6/27/2006                        2/1/2007
     682.61                       69459.54                       69600                    11.375                  CHICAGO                                                         IL                          60639                         1                      2                        9/1/2006                      8/1/2036                     7/31/2006                        2/1/2007
     355.46                       29972.06                       30000                        14                  CLEVELAND HEIGHTS                                               OH                          44118                         1                      2                       10/1/2006                      9/1/2021                     8/16/2006                        2/1/2007
     247.57                       24959.29                       25000                      11.5                  FORT LAUDERDALE                                                 FL                          33312                         1                      2                       10/1/2006                      9/1/2021                     8/17/2006                        2/1/2007
     250.08                       28719.87                       28800                     9.875                  WEST JORDAN                                                     UT                          84084                         1                      2                        9/1/2006                      8/1/2036                      8/2/2006                        2/1/2007
     185.26                       23467.26                       23550                      8.75                  BAINBRIDGE                                                      GA                          39819                         1                      2                        9/1/2006                      8/1/2036                     7/27/2006                        2/1/2007
     353.75                       27297.76                       27600                     13.25                  BIGLERVILLE                                                     PA                          17307                         1                      2                        9/1/2006                      8/1/2021                     7/13/2006                        2/1/2007
     650.71                       55304.78                       55380                    13.875                  TURLOCK                                                         CA                          95380                         1                      2                        8/1/2006                      7/1/2021                     6/26/2006                        2/1/2007
     651.89                       71819.81                       72000                    10.375                  BATTLE GROUND                                                   WA                          98604                         1                      2                        9/1/2006                      8/1/2021                     7/14/2006                        2/1/2007
     526.35                        63777.1                       63980                      9.25                  WINTER SPRINGS                                                  FL                          32708                         1                      2                        9/1/2006                      8/1/2036                     7/14/2006                        2/1/2007
     790.43                       82787.03                       83000                        11                  CHINO HILLS                                                     CA                          91709                         1                      2                        8/1/2006                      7/1/2021                     6/28/2006                        2/1/2007
     806.47                       67426.22                       67500                    14.125                  MAPLE PLAIN                                                     MN                          55359                         1                      2                        9/1/2006                      8/1/2036                     7/28/2006                        2/1/2007
     637.74                       61890.86                       62000                        12                  BIDDEFORD                                                       ME                           4005                         3                      2                        9/1/2006                      8/1/2036                     7/27/2006                        2/1/2007
     466.31                       44425.89                       44500                     12.25                  CARY                                                            IL                          60013                         1                      2                        9/1/2006                      8/1/2036                     7/28/2006                        2/1/2007
     182.66                       16635.89                       16660                    12.875                  RUSTON                                                          LA                          71270                         1                      2                        9/1/2006                      8/1/2021                     7/21/2006                        2/1/2007
     906.83                       75817.06                       75900                    14.125                  LAKE WORTH                                                      FL                          33460                         1                      2                        9/1/2006                      8/1/2021                     7/28/2006                        2/1/2007
     314.36                       29950.08                       30000                     12.25                  CHICAGO                                                         IL                          60644                         1                      2                        9/1/2006                      8/1/2036                     7/28/2006                        2/1/2007
     159.96                       13484.71                       13500                        14                  HARRISBURG                                                      PA                          17110                         1                      2                        9/1/2006                      8/1/2021                     7/28/2006                        2/1/2007
     194.69                       18543.52                       18580                     12.25                  MONTGOMERY                                                      AL                          36117                         1                      2                        9/1/2006                      8/1/2021                     7/28/2006                        2/1/2007
     205.09                       18513.86                       18540                        13                  PHOENIX                                                         IL                          60426                         1                      2                        9/1/2006                      8/1/2021                     7/28/2006                        2/1/2007
     101.03                       12133.79                       12990                     8.625                  MOSES LAKE                                                      WA                          98837                         1                      2                        9/1/2006                      8/1/2036                     7/25/2006                        2/1/2007
     398.56                       47257.34                       47400                       9.5                  RIVERTON                                                        UT                          84065                         1                      2                        9/1/2006                      8/1/2021                     7/20/2006                        2/1/2007
     107.81                       11080.91                       11100                     11.25                  CORNING                                                         NY                          14830                         1                      2                       10/1/2006                      9/1/2036                      8/7/2006                        2/1/2007
     617.17                       59891.81                       60000                        12                  MANCHESTER                                                      MD                          21102                         1                      2                        9/1/2006                      8/1/2036                     7/12/2006                        2/1/2007
      361.3                       34722.04                       34800                    12.125                  CHICAGO                                                         IL                          60638                         1                      2                        9/1/2006                      8/1/2036                     7/26/2006                        2/1/2007
     376.64                       33703.76                       33750                    13.125                  O FALLON                                                        MO                          63366                         1                      2                        9/1/2006                      8/1/2036                     7/21/2006                        2/1/2007
     662.27                       72223.56                       72400                      10.5                  BELTSVILLE                                                      MD                          20705                         1                      2                        9/1/2006                      8/1/2036                     7/17/2006                        2/1/2007
     282.79                       33894.98                       34000                     9.375                  SUFFIELD                                                        CT                           6078                         1                      2                        9/1/2006                      8/1/2036                     7/31/2006                        2/1/2007
        914                       76416.39                       76500                    14.125                  DELAND                                                          FL                          32724                         1                      2                        9/1/2006                      8/1/2021                     7/24/2006                        2/1/2007
        345                       38401.04                       38500                     10.25                  BETHLEHEM                                                       PA                          18017                         1                      2                        9/1/2006                      8/1/2021                     7/28/2006                        2/1/2007
     305.19                       29060.66                       29125                     12.25                  DULUTH                                                          MN                          55807                         1                      2                        9/1/2006                      8/1/2036                     7/19/2006                        2/1/2007
     334.22                       33683.73                       33750                      11.5                  SCOTTSDALE                                                      AZ                          85250                         1                      2                        9/1/2006                      8/1/2021                     7/25/2006                        2/1/2007
     253.55                       33437.45                       33750                      8.25                  MIAMISBURG                                                      OH                          45342                         1                      2                       10/1/2006                      9/1/2036                     8/16/2006                        2/1/2007
     118.48                         9988.8                       10000                        14                  INDIANAPOLIS                                                    IN                          46254                         1                      2                        9/1/2006                      8/1/2036                     7/31/2006                        2/1/2007
     682.74                       66878.73                       67000                    11.875                  BRONX                                                           NY                          10465                         1                      2                        9/1/2006                      8/1/2021                     7/11/2006                        2/1/2007
     244.88                        31335.5                       31485                     8.625                  NICHOLASVILLE                                                   KY                          40356                         1                      2                       10/1/2006                      9/1/2036                      8/4/2006                        2/1/2007
     202.88                       25412.68                       25500                     8.875                  JACKSONVILLE                                                    NC                          28540                         1                      2                        9/1/2006                      8/1/2036                      8/2/2006                        2/1/2007
    1243.76                       103986.2                      104100                    14.125                  PHOENIX                                                         AZ                          85029                         4                      2                        9/1/2006                      8/1/2021                     7/19/2006                        2/1/2007
     347.45                        39062.5                       39179                    10.125                  EAGLE MOUNTAIN                                                  UT                          84005                         1                      2                        9/1/2006                      8/1/2021                     7/17/2006                        2/1/2007
     503.46                       53254.24                       53395                    10.875                  RUTHER GLEN                                                     VA                          22546                         1                      2                        8/1/2006                      7/1/2036                     7/31/2006                        2/1/2007
     407.33                       39530.09                       39600                        12                  CORONA                                                          CA                          92881                         1                      2                        9/1/2006                      8/1/2036                     7/28/2006                        2/1/2007
     530.39                       62064.65                       62400                     9.625                  HOOD RIVER                                                      OR                          97031                         1                      2                        8/1/2006                      7/1/2021                     6/22/2006                        2/1/2007
     272.45                       25964.11                       26000                     12.25                  HARVEY                                                          IL                          60426                         1                      2                       10/1/2006                      9/1/2036                      8/2/2006                        2/1/2007
     302.44                        32325.2                       32400                     10.75                  ROMEOVILLE                                                      IL                          60446                         1                      2                        9/1/2006                      8/1/2036                      8/1/2006                        2/1/2007
     135.68                       15259.64                       15300                    10.125                  EASTON                                                          PA                          18042                         1                      2                        9/1/2006                      8/1/2021                     7/21/2006                        2/1/2007
     507.18                       48319.38                       48400                     12.25                  MOLALLA                                                         OR                          97038                         1                      2                        9/1/2006                      8/1/2036                     7/19/2006                        2/1/2007
     118.48                         9988.8                       10000                        14                  INDIANAPOLIS                                                    IN                          46254                         1                      2                        9/1/2006                      8/1/2021                     7/28/2006                        2/1/2007
     311.22                       29650.56                       29700                     12.25                  AUSTELL                                                         GA                          30168                         1                      2                        9/1/2006                      8/1/2021                      8/1/2006                        2/1/2007
     122.04                       10288.42                       10300                        14                  INDIANAPOLIS                                                    IN                          46221                         1                      2                        9/1/2006                      8/1/2021                     7/28/2006                        2/1/2007
     156.89                       21805.78                       21900                      7.75                  ATHENS                                                          TN                          37303                         1                      2                        9/1/2006                      8/1/2036                     7/27/2006                        2/1/2007
     890.71                       84857.81                       85000                     12.25                  SURPRISE                                                        AZ                          85379                         1                      2                        9/1/2006                      8/1/2021                     7/27/2006                        2/1/2007
     444.93                       44391.13                       44500                    11.625                  CLARKSVILLE                                                     TN                          37042                         1                      2                        9/1/2006                      8/1/2021                     7/27/2006                        2/1/2007
     486.12                       65357.62                       66250                         8                  TRIANGLE                                                        VA                          22172                         1                      2                        5/1/2006                      4/1/2021                     3/24/2006                        2/1/2007
     386.79                       45885.09                       46000                       9.5                  HILLSBORO                                                       OR                          97123                         1                      2                       10/1/2006                      9/1/2021                      8/9/2006                        2/1/2007
     134.86                        12971.6                       12990                    12.125                  INDIANAPOLIS                                                    IN                          46229                         1                      2                       10/1/2006                      9/1/2021                     8/15/2006                        2/1/2007
     237.86                       24212.43                       24253                    11.375                  LAYTON                                                          UT                          84041                         1                      2                       10/1/2006                      9/1/2021                     8/15/2006                        2/1/2007
      412.9                       47377.88                       47550                     9.875                  WHITE HOUSE                                                     TN                          37188                         1                      2                       10/1/2006                      9/1/2021                      8/9/2006                        2/1/2007
      455.3                       39708.52                       39750                      13.5                  SALT LAKE CITY                                                  UT                          84116                         2                      2                       10/1/2006                      9/1/2021                     8/11/2006                        2/1/2007
     480.87                       50865.63                       51000                    10.875                  HANOVER                                                         PA                          17331                         1                      2                        8/1/2006                      7/1/2036                     6/20/2006                        2/1/2007
     168.31                       18355.17                       18400                      10.5                  MANSFIELD                                                       GA                          30055                         1                      2                        9/1/2006                      8/1/2036                      8/1/2006                        2/1/2007
     967.87                       84393.58                       84500                      13.5                  ELIZABETH                                                       CO                          80107                         1                      2                        9/1/2006                      8/1/2036                     7/21/2006                        2/1/2007
     371.55                       34456.19                       34500                    12.625                  CHICAGO                                                         IL                          60643                         1                      2                       10/1/2006                      9/1/2036                     8/18/2006                        2/1/2007
     180.78                       20472.48                       20600                        10                  PHOENIX                                                         AZ                          85014                         1                      2                       10/1/2006                      9/1/2021                      8/7/2006                        2/1/2007
     411.78                       37181.53                       37225                        13                  HIALEAH                                                         FL                          33012                         1                      2                       10/1/2006                      9/1/2021                      8/7/2006                        2/1/2007
      654.2                       63507.16                       63600                        12                  OGDEN                                                           UT                          84401                         4                      2                       10/1/2006                      9/1/2021                     8/16/2006                        2/1/2007
     463.69                       44141.84                       44250                     12.25                  PLANT CITY                                                      FL                          33563                         1                      2                       10/1/2006                      9/1/2021                     8/16/2006                        2/1/2007
     418.79                       39449.28                       39600                    12.375                  BLOOMINGTON                                                     MN                          55425                         1                      2                        9/1/2006                      8/1/2036                     7/28/2006                        2/1/2007
     262.57                       28939.76                       29000                    10.375                  SOUTH OGDEN                                                     UT                          84405                         1                      2                       10/1/2006                      9/1/2036                     7/31/2006                        2/1/2007
     271.12                       25554.61                       25637                    12.375                  GROVE CITY                                                      MN                          56243                         1                      2                       10/1/2006                      9/1/2036                     8/18/2006                        2/1/2007
     135.77                       14362.61                       14400                    10.875                  GREENWOOD                                                       IN                          46143                         1                      2                        9/1/2006                      8/1/2036                     7/28/2006                        2/1/2007
     403.44                       47616.71                       47980                       9.5                  LITTLESTOWN                                                     PA                          17340                         1                      2                       10/1/2006                      9/1/2036                     8/18/2006                        2/1/2007
     840.14                       89740.28                       90000                     10.75                  CENTRAL ISLIP                                                   NY                          11722                         1                      2                        9/1/2006                      8/1/2021                     7/13/2006                        2/1/2007
     446.63                       46814.89                       46900                        11                  BURBANK                                                         IL                          60459                         1                      2                       10/1/2006                      9/1/2036                     8/15/2006                        2/1/2007
     878.78                       92990.38                       93200                    10.875                  BRONX                                                           NY                          10469                         2                      2                        9/1/2006                      8/1/2036                     7/25/2006                        2/1/2007
     563.91                       48352.29                       48400                     13.75                  NAZARETH                                                        PA                          18064                         1                      2                       10/1/2006                      9/1/2021                     8/16/2006                        2/1/2007
     585.96                        57960.5                       58050                     11.75                  NAPERVILLE                                                      IL                          60540                         1                      2                       10/1/2006                      9/1/2036                      8/8/2006                        2/1/2007
     137.55                       12642.99                       12800                        10                  MINERSVILLE                                                     PA                          17954                         1                      2                       10/1/2006                      9/1/2021                     8/18/2006                        2/1/2007
     411.23                        39921.7                       39980                        12                  SWANSEA                                                         IL                          62226                         1                      2                       10/1/2006                      9/1/2036                     8/21/2006                        2/1/2007
     193.63                       17181.02                       17200                     13.25                  HOT SPRINGS                                                     AR                          71901                         1                      2                       10/1/2006                      9/1/2021                     8/21/2006                        2/1/2007
      232.3                       20975.48                       21000                        13                  CORRYTON                                                        TN                          37721                         1                      2                       10/1/2006                      9/1/2036                     8/17/2006                        2/1/2007
     334.93                       31043.42                       31100                    12.625                  CHICAGO HEIGHTS                                                 IL                          60411                         4                      2                       10/1/2006                      9/1/2036                     8/22/2006                        2/1/2007
     151.46                       12981.87                       13000                     13.75                  BATON ROUGE                                                     LA                          70811                         1                      2                        8/1/2006                      7/1/2036                      7/6/2006                        2/1/2007
     227.88                       20559.06                       20600                        13                  HARVEY                                                          IL                          60426                         1                      2                        9/1/2006                      8/1/2021                     7/28/2006                        2/1/2007
     301.19                       26718.34                       26754                     13.25                  MOULTRIE                                                        GA                          31768                         1                      2                        9/1/2006                      8/1/2036                     7/17/2006                        2/1/2007
     455.28                       59707.59                       59900                     8.375                  LOCUST GROVE                                                    VA                          22508                         1                      2                       10/1/2006                      9/1/2036                     8/22/2006                        2/1/2007
     301.05                        32175.5                       32250                     10.75                  HARRISBURG                                                      NC                          28075                         1                      2                        9/1/2006                      8/1/2021                     7/21/2006                        2/1/2007
     306.33                        33071.4                       33150                    10.625                  TWIN FALLS                                                      ID                          83301                         1                      2                        9/1/2006                      8/1/2021                     7/27/2006                        2/1/2007
        268                       29429.66                       29600                    10.375                  SYRACUSE                                                        UT                          84075                         1                      2                        9/1/2006                      8/1/2036                     7/28/2006                        2/1/2007
     756.58                       72079.73                       72200                     12.25                  NORTH HILLS                                                     CA                          91343                         1                      2                        9/1/2006                      8/1/2036                     7/20/2006                        2/1/2007
     427.13                       35710.93                       35750                    14.125                  SHEDD                                                           OR                          97377                         1                      2                        9/1/2006                      8/1/2021                     7/19/2006                        2/1/2007
     898.42                      120598.86                      121000                     8.125                  STAFFORD                                                        VA                          22556                         1                      2                       10/1/2006                      9/1/2036                      8/1/2006                        2/1/2007
     168.29                       16966.32                       16994                      11.5                  SEYMOUR                                                         TN                          37865                         1                      2                       10/1/2006                      9/1/2021                     8/14/2006                        2/1/2007
     268.38                       22624.47                       22650                        14                  COLUMBUS                                                        OH                          43222                         2                      2                        9/1/2006                      8/1/2021                     7/26/2006                        2/1/2007
     136.14                       11479.31                       11490                        14                  INDIANAPOLIS                                                    IN                          46235                         1                      2                       10/1/2006                      9/1/2021                      8/3/2006                        2/1/2007
     516.08                       56881.63                       57000                    10.375                  PEMBROKE                                                        MA                           2359                         1                      2                       10/1/2006                      9/1/2036                     8/17/2006                        2/1/2007
     763.41                       78437.03                       78600                     11.25                  BELTSVILLE                                                      MD                          20705                         1                      2                        9/1/2006                      8/1/2021                      8/2/2006                        2/1/2007
     703.44                       78332.57                       78500                     10.25                  ROCKVILLE                                                       MD                          20850                         1                      2                       10/1/2006                      9/1/2036                      8/8/2006                        2/1/2007
     362.77                       31638.96                       31672                      13.5                  WINTER GARDEN                                                   FL                          34787                         1                      2                       10/1/2006                      9/1/2021                     8/11/2006                        2/1/2007
    1223.36                      104896.47                      105000                     13.75                  GILBERT                                                         AZ                          85234                         1                      2                       10/1/2006                      9/1/2021                     8/17/2006                        2/1/2007
      377.2                       45117.89                       45350                     9.375                  TAMPA                                                           FL                          33624                         1                      2                       10/1/2006                      9/1/2021                     8/23/2006                        2/1/2007
      148.9                       12752.16                       12780                     13.75                  JACKSON                                                         TN                          38305                         1                      2                       10/1/2006                      9/1/2036                     8/22/2006                        2/1/2007
     258.08                       28640.31                       28800                     10.25                  EPHRAIM                                                         UT                          84627                         1                      2                       10/1/2006                      9/1/2021                     8/21/2006                        2/1/2007
     369.97                       43890.09                       44000                       9.5                  ATOKA                                                           TN                          38004                         1                      2                       10/1/2006                      9/1/2036                     8/22/2006                        2/1/2007
     349.73                       33950.36                       34000                        12                  BRISTOL                                                         CT                           6010                         3                      2                       10/1/2006                      9/1/2036                      8/3/2006                        2/1/2007
     964.19                       99101.25                       99272                     11.25                  STAFFORD                                                        VA                          22554                         1                      2                       10/1/2006                      9/1/2036                     8/25/2006                        2/1/2007
     616.16                       58685.16                       58800                     12.25                  CHINO                                                           CA                          91710                         1                      2                        8/1/2006                      7/1/2036                     6/23/2006                        2/1/2007
     705.74                        94670.6                       95050                     8.125                  WALDORF                                                         MD                          20603                         1                      2                        9/1/2006                      8/1/2021                     7/27/2006                        2/1/2007
    1635.25                      139741.92                      162000                     11.75                  SOUTH OZONE PARK                                                NY                          11420                         2                      2                        9/1/2006                      8/1/2036                     7/27/2006                        2/1/2007
     336.05                       32612.48                       32670                        12                  CLARKSVILLE                                                     TN                          37040                         1                      2                        9/1/2006                      8/1/2021                     7/20/2006                        2/1/2007
     860.24                       71921.27                       72000                    14.125                  BAKERSFIELD                                                     CA                          93312                         1                      2                        9/1/2006                      8/1/2036                     7/18/2006                        2/1/2007
      896.5                       83736.84                       84000                      12.5                  BRIDGEVIEW                                                      IL                          60455                         1                      2                        8/1/2006                      7/1/2036                     6/30/2006                        2/1/2007
     600.01                       62252.06                       62385                    11.125                  CANBY                                                           OR                          97013                         1                      2                        9/1/2006                      8/1/2021                     7/27/2006                        2/1/2007
     896.08                       74918.02                       75000                    14.125                  HAGERSTOWN                                                      MD                          21740                         1                      2                        9/1/2006                      8/1/2021                     7/28/2006                        2/1/2007
    1060.47                      101031.43                      101200                     12.25                  MONTEREY PARK                                                   CA                          91755                         1                      2                        9/1/2006                      8/1/2036                     7/20/2006                        2/1/2007
     769.91                       72526.87                       72800                    12.375                  CANNONSBURG                                                     PA                          15317                         1                      2                        9/1/2006                      8/1/2036                     7/18/2006                        2/1/2007
    1273.44                      107354.15                      107475                        14                  PHOENIX                                                         AZ                          85085                         1                      2                        9/1/2006                      8/1/2036                     7/24/2006                        2/1/2007
     592.47                        60873.5                       61000                     11.25                  GERMANTOWN                                                      MD                          20874                         1                      2                        9/1/2006                      8/1/2036                     7/28/2006                        2/1/2007
     390.99                       46383.85                       46500                       9.5                  GRIFFIN                                                         GA                          30224                         1                      2                       10/1/2006                      9/1/2021                      8/1/2006                        2/1/2007
     1315.2                       110875.2                      111000                        14                  CANTON                                                          GA                          30114                         1                      2                        9/1/2006                      8/1/2036                      8/2/2006                        2/1/2007
     331.74                       33434.26                       33500                      11.5                  BELDEN                                                          MS                          38826                         1                      2                        9/1/2006                      8/1/2036                      8/1/2006                        2/1/2007
     236.83                        21557.8                       21600                    12.875                  BATON ROUGE                                                     LA                          70820                         2                      2                        7/1/2006                      6/1/2036                     5/19/2006                        2/1/2007
     236.43                       21342.86                       21373                        13                  DIXMOOR                                                         IL                          60426                         1                      2                        9/1/2006                      8/1/2021                     7/28/2006                        2/1/2007
     414.36                        48607.1                       48750                     9.625                  HUGO                                                            MN                          55038                         1                      2                        9/1/2006                      8/1/2036                     7/28/2006                        2/1/2007
     794.82                       77882.98                       78000                    11.875                  SILVER SPRING                                                   MD                          20902                         1                      2                       10/1/2006                      9/1/2036                      8/1/2006                        2/1/2007
     226.42                       21652.34                       22000                      9.25                  SCRANTON                                                        PA                          18504                         1                      2                        9/1/2006                      8/1/2021                      8/1/2006                        2/1/2007
     184.39                       23891.26                       23980                       8.5                  HOODSPORT                                                       WA                          98548                         1                      2                        9/1/2006                      8/1/2021                      7/7/2006                        2/1/2007
     222.85                       21830.46                       21870                    11.875                  TWIN FALLS                                                      ID                          83301                         1                      2                        9/1/2006                      8/1/2021                     7/21/2006                        2/1/2007
     845.89                      100297.23                      100600                       9.5                  WEST JEFFERSON                                                  OH                          43162                         1                      2                        9/1/2006                      8/1/2036                     7/24/2006                        2/1/2007
     185.18                       15483.12                       15500                    14.125                  AMORY                                                           MS                          38821                         1                      2                        9/1/2006                      8/1/2036                     7/10/2006                        2/1/2007
     947.67                       92831.73                       93000                    11.875                  SILVER SPRING                                                   MD                          20901                         1                      2                        9/1/2006                      8/1/2036                     7/24/2006                        2/1/2007
      155.7                       20187.82                       20250                       8.5                  CHICAGO                                                         IL                          60628                         1                      2                       10/1/2006                      9/1/2036                      8/3/2006                        2/1/2007
     286.98                       27645.87                       27900                        12                  WEDOWEE                                                         AL                          36278                         1                      2                        9/1/2006                      8/1/2021                      8/1/2006                        2/1/2007
     371.96                       46589.84                       46750                     8.875                  BURNSVILLE                                                      MN                          55337                         1                      2                        9/1/2006                      8/1/2036                     7/26/2006                        2/1/2007
     712.34                       74599.31                       74800                        11                  LAND O LAKES                                                    FL                          34638                         1                      2                        9/1/2006                      8/1/2021                     7/27/2006                        2/1/2007
     821.38                          85964                       86250                        11                  SALT LAKE CITY                                                  UT                          84108                         1                      2                        9/1/2006                      8/1/2036                     7/27/2006                        2/1/2007
     318.26                       39886.19                       40000                     8.875                  TIGARD                                                          OR                          97223                         1                      2                       10/1/2006                      9/1/2021                     7/28/2006                        2/1/2007
     526.74                       56864.73                       57000                    10.625                  SOUTH JORDAN                                                    UT                          84095                         1                      2                        9/1/2006                      8/1/2036                     7/25/2006                        2/1/2007
     193.52                       24528.24                       24600                      8.75                  MONTGOMERY                                                      AL                          36116                         1                      2                       10/1/2006                      9/1/2036                      8/7/2006                        2/1/2007
     425.36                       35859.67                       35900                        14                  CHATTANOOGA                                                     TN                          37416                         4                      2                        9/1/2006                      8/1/2036                     7/27/2006                        2/1/2007
     496.95                       43341.75                       43387                      13.5                  TWIN FALLS                                                      ID                          83301                         1                      2                       10/1/2006                      9/1/2021                     7/28/2006                        2/1/2007
     425.45                       40523.12                       40600                     12.25                  NEW BEDFORD                                                     MA                           2740                         2                      2                        9/1/2006                      8/1/2036                     7/20/2006                        2/1/2007
     740.54                       62429.74                       62500                        14                  SPRING LAKE PARK                                                MN                          55432                         1                      2                        9/1/2006                      8/1/2036                     7/27/2006                        2/1/2007
     133.07                       15950.62                       16000                     9.375                  VILLA RICA                                                      GA                          30180                         1                      2                        9/1/2006                      8/1/2036                     7/31/2006                        2/1/2007
     707.69                       68642.05                       68800                        12                  LAS VEGAS                                                       NV                          89134                         1                      2                        9/1/2006                      8/1/2036                     7/28/2006                        2/1/2007
     225.23                        23368.1                       23418                    11.125                  BROOKLYN PARK                                                   MN                          55444                         1                      2                        9/1/2006                      8/1/2021                     7/13/2006                        2/1/2007
     400.29                       38147.28                       38200                     12.25                  CHICAGO                                                         IL                          60628                         3                      2                       10/1/2006                      9/1/2036                      8/8/2006                        2/1/2007
     170.16                       15775.79                       15800                    12.625                  FORT WORTH                                                      TX                          76112                         1                      2                        9/1/2006                      8/1/2036                      7/6/2006                        2/1/2007
     475.91                        44926.5                       45000                    12.375                  TUCSON                                                          AZ                          85730                         1                      2                        9/1/2006                      8/1/2021                     7/18/2006                        2/1/2007
     570.41                       62841.69                       63000                    10.375                  MALIN                                                           OR                          97632                         1                      2                        9/1/2006                      8/1/2021                     7/20/2006                        2/1/2007
     677.72                       60072.92                       60200                     13.25                  UPPER MARLBORO                                                  MD                          20772                         1                      2                        9/1/2006                      8/1/2021                     7/14/2006                        2/1/2007
     455.42                       56410.96                       56600                         9                  GOLD BAR                                                        WA                          98251                         1                      2                        9/1/2006                      8/1/2021                     7/26/2006                        2/1/2007
     1652.4                      214104.89                      214900                       8.5                  BERWYN                                                          PA                          19312                         1                      2                        9/1/2006                      8/1/2021                     7/26/2006                        2/1/2007
     285.03                       27142.69                       27200                     12.25                  GREENSBORO                                                      NC                          27405                         1                      2                        9/1/2006                      8/1/2036                     7/26/2006                        2/1/2007
     451.62                       37696.44                       37800                    14.125                  ST PETERSBURG                                                   FL                          33703                         1                      2                       10/1/2006                      9/1/2021                      8/4/2006                        2/1/2007
     309.36                       27433.67                       27480                     13.25                  SHELBYVILLE                                                     TN                          37160                         1                      2                       10/1/2006                      9/1/2036                      8/4/2006                        2/1/2007
     785.92                       74896.43                       75000                     12.25                  PORT SAINT LUCIE                                                FL                          34986                         1                      2                       10/1/2006                      9/1/2021                     8/23/2006                        2/1/2007
     364.07                       39691.02                       39800                      10.5                  LOGAN                                                           UT                          84321                         1                      2                        9/1/2006                      8/1/2036                      8/2/2006                        2/1/2007
     411.45                       39837.53                       40000                        12                  EUGENE                                                          OR                          97401                         1                      2                       10/1/2006                      9/1/2021                     8/18/2006                        2/1/2007
     414.87                       43900.94                       44000                    10.875                  BOLINGBROOK                                                     IL                          60440                         1                      2                        9/1/2006                      8/1/2036                     7/31/2006                        2/1/2007
     109.69                       12471.92                       12500                        10                  GRAND RAPIDS                                                    MI                          49503                         2                      2                       10/1/2006                      9/1/2036                      8/7/2006                        2/1/2007
     240.45                       24955.79                       25000                    11.125                  SCHENECTADY                                                     NY                          12306                         2                      2                       10/1/2006                      9/1/2036                     8/24/2006                        2/1/2007
     956.41                       81319.99                       81398                    13.875                  LEHI                                                            UT                          84043                         1                      2                       10/1/2006                      9/1/2021                     8/14/2006                        2/1/2007
     450.53                       43736.08                       43800                        12                  EAGLE MOUNTAIN                                                  UT                          84005                         1                      2                       10/1/2006                      9/1/2021                     8/15/2006                        2/1/2007
    1208.62                      117328.49                      117500                        12                  ORLANDO                                                         FL                          32836                         1                      2                       10/1/2006                      9/1/2036                     8/22/2006                        2/1/2007
      130.5                       10623.03                       10730                     12.25                  BUFFALO                                                         NY                          14220                         4                      2                       10/1/2006                      9/1/2021                     8/23/2006                        2/1/2007
     630.94                       53190.14                       53250                        14                  PLAINFIELD                                                      IL                          60544                         4                      2                        9/1/2006                      8/1/2036                     7/27/2006                        2/1/2007
     982.76                       85691.93                       85800                      13.5                  NEWARK                                                          NJ                           7112                         4                      2                        9/1/2006                      8/1/2036                     7/31/2006                        2/1/2007
     611.65                       58234.57                       59000                     9.375                  ORCHARD PARK                                                    NY                          14127                         1                      2                       10/1/2006                      9/1/2021                     8/11/2006                        2/1/2007
     721.45                       85565.32                       85800                       9.5                  YONKERS                                                         NY                          10703                         2                      2                       10/1/2006                      9/1/2036                      8/3/2006                        2/1/2007
     386.79                       45861.56                       46000                       9.5                  ORTING                                                          WA                          98360                         1                      2                        9/1/2006                      8/1/2021                     7/10/2006                        2/1/2007
     116.01                       15944.23                       16000                     7.875                  LUCINDA                                                         PA                          16235                         1                      2                       10/1/2006                      9/1/2036                      8/3/2006                        2/1/2007
     175.93                       15081.43                       15100                     13.75                  BUFFALO                                                         NY                          14215                         1                      2                       10/1/2006                      9/1/2036                     8/10/2006                        2/1/2007
     959.28                        83662.6                       83750                      13.5                  GAITHERSBURG                                                    MD                          20878                         1                      2                       10/1/2006                      9/1/2021                      8/4/2006                        2/1/2007
      649.4                       73799.46                       74000                        10                  COMPTON                                                         CA                          90222                         1                      2                        9/1/2006                      8/1/2036                     7/27/2006                        2/1/2007
     429.53                          47297                       47440                    10.375                  WASHOUGAL                                                       WA                          98671                         1                      2                       10/1/2006                      9/1/2021                      8/7/2006                        2/1/2007
     500.08                       56728.81                       56985                        10                  CHARLOTTE HALL                                                  MD                          20622                         1                      2                        9/1/2006                      8/1/2036                      8/4/2006                        2/1/2007
      201.4                       22771.29                       22950                        10                  TWIN FALLS                                                      ID                          83301                         1                      2                       10/1/2006                      9/1/2036                      8/4/2006                        2/1/2007
     158.63                       14979.88                       15000                    12.375                  COUNTRY CLUB HILLS                                              IL                          60478                         1                      2                       10/1/2006                      9/1/2036                     8/23/2006                        2/1/2007
     469.46                       44738.11                       44800                     12.25                  CASSELBERRY                                                     FL                          32707                         1                      2                       10/1/2006                      9/1/2036                     8/25/2006                        2/1/2007
     799.11                        67944.8                       68010                    13.875                  SANDSTON                                                        VA                          23150                         1                      2                       10/1/2006                      9/1/2036                     8/10/2006                        2/1/2007
     274.23                       25203.81                       25235                     12.75                  LAKELAND                                                        FL                          33801                         1                      2                       10/1/2006                      9/1/2021                     8/25/2006                        2/1/2007
     831.84                       83777.19                       84000                      11.5                  SEVIERVILLE                                                     TN                          37862                         1                      2                       10/1/2006                      9/1/2021                     8/25/2006                        2/1/2007
     261.26                       24910.04                       25400                        12                  GRIFFIN                                                         GA                          30223                         1                      2                       10/1/2006                      9/1/2036                     8/16/2006                        2/1/2007
     215.29                          27914                       28000                       8.5                  BIRMINGHAM                                                      AL                          35213                         1                      2                       10/1/2006                      9/1/2021                     8/25/2006                        2/1/2007
      370.2                       44881.56                       45000                      9.25                  ROUND LAKE                                                      IL                          60073                         1                      2                       10/1/2006                      9/1/2036                     8/22/2006                        2/1/2007
     410.73                       42235.65                       44000                     10.75                  FAIRHOPE                                                        AL                          36532                         1                      2                       10/1/2006                      9/1/2036                     8/23/2006                        2/1/2007
     664.11                       56941.98                       57000                     13.75                  MONTGOMERY VILLAGE                                              MD                          20886                         1                      2                       10/1/2006                      9/1/2036                     8/28/2006                        2/1/2007
     154.29                       14784.96                       15000                        12                  HAZELWOOD                                                       MO                          63042                         1                      2                       10/1/2006                      9/1/2036                     8/25/2006                        2/1/2007
      627.7                       61505.54                       61600                    11.875                  ORLANDO                                                         FL                          32825                         1                      2                       10/1/2006                      9/1/2021                     8/25/2006                        2/1/2007
    1365.46                      133798.97                      134000                    11.875                  ANNANDALE                                                       VA                          22003                         1                      2                       10/1/2006                      9/1/2021                     8/25/2006                        2/1/2007
     373.95                       46807.15                       47000                     8.875                  MIDLOTHIAN                                                      VA                          23112                         1                      2                        8/1/2006                      7/1/2021                     7/14/2006                        2/1/2007
     248.13                       23209.53                       23250                      12.5                  WATERLOO                                                        IL                          62298                         1                      2                        9/1/2006                      8/1/2036                     7/27/2006                        2/1/2007
     191.28                       26595.79                       26700                      7.75                  HOLLAND                                                         PA                          18966                         1                      2                       10/1/2006                      9/1/2021                     8/30/2006                        2/1/2007
     453.31                       47495.77                       47600                        11                  STERLING                                                        VA                          20164                         1                      2                        9/1/2006                      8/1/2036                     7/26/2006                        2/1/2007
     951.81                       89753.76                       90000                    12.375                  TAMPA                                                           FL                          33629                         1                      2                        9/1/2006                      8/1/2036                     7/31/2006                        2/1/2007
     722.81                       75733.87                       75900                        11                  WARRENTON                                                       VA                          20187                         1                      2                        9/1/2006                      8/1/2021                     7/31/2006                        2/1/2007
     284.37                       23976.32                       24000                        14                  SALEM                                                           OR                          97303                         1                      2                       10/1/2006                      9/1/2021                     8/22/2006                        2/1/2007
     630.16                       69455.47                       69600                    10.375                  KIRKLAND                                                        WA                          98033                         1                      2                       10/1/2006                      9/1/2021                     8/22/2006                        2/1/2007
     305.24                       29358.28                       29400                    12.125                  JOLIET                                                          IL                          60433                         1                      2                       10/1/2006                      9/1/2036                     8/17/2006                        2/1/2007
      457.3                       48234.82                       48500                    10.875                  PORTLAND                                                        OR                          97219                         1                      2                       10/1/2006                      9/1/2021                      8/9/2006                        2/1/2007
     197.26                       18973.06                       19000                    12.125                  COLDWATER                                                       MI                          49036                         1                      2                       10/1/2006                      9/1/2036                      8/9/2006                        2/1/2007
     146.44                       16515.09                       17800                      9.25                  EVERETT                                                         WA                          98208                         1                      2                       10/1/2006                      9/1/2021                      8/9/2006                        2/1/2007
      185.7                       19457.34                       19500                        11                  CHARLOTTE                                                       TN                          37036                         1                      2                        9/1/2006                      8/1/2021                     7/28/2006                        2/1/2007
     608.98                       65712.37                       65900                    10.625                  WOODBRIDGE                                                      VA                          22191                         1                      2                        9/1/2006                      8/1/2036                      8/3/2006                        2/1/2007
     784.12                       83839.04                       84000                     10.75                  CENTEREACH                                                      NY                          11720                         1                      2                       10/1/2006                      9/1/2021                      8/3/2006                        2/1/2007
    1288.99                      142009.67                      142366                    10.375                  UPPER MARLBORO                                                  MD                          20774                         1                      2                        9/1/2006                      8/1/2036                     7/27/2006                        2/1/2007
     685.21                      104997.46                      105645                      6.75                  KING GEORGE                                                     VA                          22485                         1                      2                        8/1/2006                      7/1/2036                     7/10/2006                        2/1/2007
     638.43                       72552.85                       72750                        10                  DULUTH                                                          GA                          30096                         1                      2                        9/1/2006                      8/1/2021                      8/4/2006                        2/1/2007
     800.44                       74568.03                       75000                      12.5                  ORLANDO                                                         FL                          32825                         1                      2                        9/1/2006                      8/1/2021                     7/21/2006                        2/1/2007
     465.33                       43810.71                       44000                    12.375                  NEW LONDON                                                      CT                           6320                         2                      2                       10/1/2006                      9/1/2036                     7/28/2006                        2/1/2007
      233.6                       25722.38                       25800                    10.375                  ROY                                                             UT                          84067                         1                      2                        9/1/2006                      8/1/2021                     7/31/2006                        2/1/2007
     937.59                       69685.01                       70403                        14                  PALM BAY                                                        FL                          32909                         1                      2                        9/1/2006                      8/1/2021                     7/28/2006                        2/1/2007
     379.24                       40531.35                       40626                     10.75                  KISSIMMEE                                                       FL                          34758                         1                      2                        9/1/2006                      8/1/2036                     7/28/2006                        2/1/2007
     288.83                       33880.33                       33980                     9.625                  LEOLA                                                           PA                          17540                         1                      2                        9/1/2006                      8/1/2036                     7/31/2006                        2/1/2007
     576.11                       59794.12                       59900                    11.125                  BEXLEY                                                          OH                          43209                         1                      2                       10/1/2006                      9/1/2036                      8/4/2006                        2/1/2007
    2462.55                      234608.58                      235000                     12.25                  SEVIERVILLE                                                     TN                          37862                         1                      2                        9/1/2006                      8/1/2021                      8/3/2006                        2/1/2007
     788.95                        74479.1                       74600                    12.375                  PALMDALE                                                        CA                          93551                         1                      2                        9/1/2006                      8/1/2036                     7/13/2006                        2/1/2007
     500.72                       48608.99                       48680                        12                  WOODBURN                                                        OR                          97071                         1                      2                       10/1/2006                      9/1/2036                     8/11/2006                        2/1/2007
     197.87                       16684.46                       16700                        14                  CHATTANOOGA                                                     TN                          37412                         1                      2                       10/1/2006                      9/1/2036                      8/4/2006                        2/1/2007
     111.09                       10780.99                       10800                        12                  CLARKSVILLE                                                     TN                          37042                         1                      2                        9/1/2006                      8/1/2021                     7/26/2006                        2/1/2007
     465.96                       38964.69                       39000                    14.125                  FAYETTEVILLE                                                    NC                          28314                         1                      2                       10/1/2006                      9/1/2021                      8/9/2006                        2/1/2007
     1555.5                      148190.65                      148440                     12.25                  JAMAICA                                                         NY                          11436                         2                      2                        9/1/2006                      8/1/2036                     7/26/2006                        2/1/2007
     665.47                       67056.66                       67200                      11.5                  SCHAUMBURG                                                      IL                          60173                         1                      2                       10/1/2006                      9/1/2036                      8/9/2006                        2/1/2007
     405.95                       47094.28                       47250                      9.75                  DES PLAINES                                                     IL                          60016                         1                      2                        9/1/2006                      8/1/2036                     7/31/2006                        2/1/2007
     195.94                       16382.09                       16400                    14.125                  O FALLON                                                        IL                          62269                         1                      2                        9/1/2006                      8/1/2036                      8/4/2006                        2/1/2007
     531.28                       50614.99                       50700                     12.25                  YUMA                                                            AZ                          85364                         1                      2                        9/1/2006                      8/1/2021                     7/26/2006                        2/1/2007
     259.87                        24765.8                       24800                     12.25                  LITHONIA                                                        GA                          30058                         1                      2                       10/1/2006                      9/1/2021                      8/7/2006                        2/1/2007
     330.01                       34921.31                       35000                    10.875                  FERNDALE                                                        WA                          98248                         1                      2                        9/1/2006                      8/1/2036                     7/25/2006                        2/1/2007
    2274.95                      191784.08                      192000                        14                  LADERA RANCH                                                    CA                          92694                         1                      2                        9/1/2006                      8/1/2021                     7/24/2006                        2/1/2007
     277.69                       26463.41                       26500                     12.25                  WEST VALLEY CITY                                                UT                          84119                         1                      2                       10/1/2006                      9/1/2021                      8/8/2006                        2/1/2007
     112.55                       13058.95                       13100                      9.75                  COLUMBUS                                                        OH                          43207                         1                      2                       10/1/2006                      9/1/2036                      8/4/2006                        2/1/2007
     660.17                       62895.09                       63000                     12.25                  MARIETTA                                                        GA                          30068                         1                      2                        9/1/2006                      8/1/2021                      8/3/2006                        2/1/2007
     141.36                       13471.38                       13490                     12.25                  INDIANAPOLIS                                                    IN                          46221                         1                      2                       10/1/2006                      9/1/2021                      8/3/2006                        2/1/2007
     272.23                       30301.96                       30380                     10.25                  SPOKANE VALLEY                                                  WA                          99206                         1                      2                        9/1/2006                      8/1/2036                      8/2/2006                        2/1/2007
    1220.42                      102884.16                      103000                        14                  JAMAICA                                                         NY                          11436                         2                      2                        9/1/2006                      8/1/2036                     7/24/2006                        2/1/2007
      494.6                       47082.89                       47200                     12.25                  MONTGOMERY                                                      AL                          36109                         1                      2                        9/1/2006                      8/1/2021                      8/3/2006                        2/1/2007
     595.39                       50193.54                       50250                        14                  PLAINFIELD                                                      IL                          60544                         4                      2                        9/1/2006                      8/1/2036                     7/27/2006                        2/1/2007
     317.46                        39739.9                       39900                     8.875                  CLARKESVILLE                                                    GA                          30523                         1                      2                        8/1/2006                      7/1/2036                     6/26/2006                        2/1/2007
     298.85                       33168.14                       33700                    10.125                  SHREVEPORT                                                      LA                          71107                         1                      2                        8/1/2006                      7/1/2021                     6/30/2006                        2/1/2007
     456.34                       51859.05                       52000                        10                  BRADENTON                                                       FL                          34209                         1                      2                        9/1/2006                      8/1/2021                      7/7/2006                        2/1/2007
     654.18                       77466.13                       77800                       9.5                  ALEXANDRIA                                                      VA                          22303                         1                      2                        9/1/2006                      8/1/2021                     7/19/2006                        2/1/2007
      628.2                       59320.18                       59400                    12.375                  PAWCATUCK                                                       CT                           6379                         3                      2                       10/1/2006                      9/1/2036                      8/9/2006                        2/1/2007
     391.88                       32764.19                       32800                    14.125                  CULLMAN                                                         AL                          35055                         1                      2                        9/1/2006                      8/1/2021                     7/21/2006                        2/1/2007
     222.38                       24017.65                       24065                    10.625                  WEST HAVEN                                                      UT                          84401                         1                      2                       10/1/2006                      9/1/2021                      8/9/2006                        2/1/2007
     219.51                       26892.25                       26980                     9.125                  CARMEL                                                          IN                          46032                         1                      2                        9/1/2006                      8/1/2021                     7/25/2006                        2/1/2007
     796.44                       81829.92                       82000                     11.25                  SPRINGFIELD GARDENS                                             NY                          11413                         1                      2                        9/1/2006                      8/1/2036                     7/11/2006                        2/1/2007
     229.74                       22295.69                       22335                        12                  KISSIMMEE                                                       FL                          34741                         1                      2                        9/1/2006                      8/1/2021                     7/31/2006                        2/1/2007
     104.79                        9986.19                       10000                     12.25                  BALTIMORE                                                       MD                          21223                         1                      2                       10/1/2006                      9/1/2036                      8/2/2006                        2/1/2007
     869.75                       82885.39                       83000                     12.25                  LYNN                                                            MA                           1902                         2                      2                       10/1/2006                      9/1/2036                      8/9/2006                        2/1/2007
     271.24                       30044.74                       30270                     10.25                  GUIN                                                            AL                          35563                         1                      2                        9/1/2006                      8/1/2036                     7/31/2006                        2/1/2007
     768.44                       65337.31                       65400                    13.875                  PORTLAND                                                        OR                          97206                         1                      2                       10/1/2006                      9/1/2021                      8/8/2006                        2/1/2007
     560.09                       59861.39                       60000                     10.75                  SOUTH HAMILTON                                                  MA                           1982                         1                      2                        9/1/2006                      8/1/2036                      8/1/2006                        2/1/2007
     100.94                        9984.53                       10000                     11.75                  LONGVIEW                                                        WA                          98632                         1                      2                       10/1/2006                      9/1/2021                      8/8/2006                        2/1/2007
     612.56                       58916.25                       59000                    12.125                  CHICAGO                                                         IL                          60634                         1                      2                       10/1/2006                      9/1/2036                     8/28/2006                        2/1/2007
     337.88                       28971.41                       29000                     13.75                  BEND                                                            OR                          97702                         1                      2                       10/1/2006                      9/1/2036                     8/15/2006                        2/1/2007
     549.83                        61864.2                       62000                    10.125                  AUBURN                                                          WA                          98001                         1                      2                       10/1/2006                      9/1/2021                      8/4/2006                        2/1/2007
      163.7                       15157.24                       15200                    12.625                  MOORESVILLE                                                     NC                          28115                         1                      2                       10/1/2006                      9/1/2021                     8/22/2006                        2/1/2007
     629.16                       53927.76                       54000                     13.75                  TACOMA                                                          WA                          98444                         1                      2                       10/1/2006                      9/1/2021                     8/21/2006                        2/1/2007
     824.93                       94739.04                       95000                     9.875                  GAITHERSBURG                                                    MD                          20879                         1                      2                       10/1/2006                      9/1/2036                      8/2/2006                        2/1/2007
     215.51                       34832.16                       35000                      6.25                  ROCKVILLE CENTRE                                                NY                          11570                         1                      2                       10/1/2006                      9/1/2036                     8/24/2006                        2/1/2007
     421.77                       36154.27                       36200                     13.75                  TACOMA                                                          WA                          98408                         1                      2                       10/1/2006                      9/1/2021                     8/18/2006                        2/1/2007
     431.09                       36951.37                       37000                     13.75                  TACOMA                                                          WA                          98409                         1                      2                       10/1/2006                      9/1/2021                     8/18/2006                        2/1/2007
     576.02                       55918.28                       56000                        12                  WESTMONT                                                        IL                          60559                         1                      2                       10/1/2006                      9/1/2036                     8/23/2006                        2/1/2007
     586.07                       69517.92                       69700                       9.5                  ORONOCO                                                         MN                          55960                         1                      2                       10/1/2006                      9/1/2036                     8/29/2006                        2/1/2007
     218.45                       18706.33                       18750                     13.75                  BOSSIER CITY                                                    LA                          71112                         1                      2                       10/1/2006                      9/1/2036                     8/28/2006                        2/1/2007
     528.03                       64016.05                       64185                      9.25                  SYRACUSE                                                        UT                          84075                         1                      2                       10/1/2006                      9/1/2021                     8/21/2006                        2/1/2007
     344.26                        36084.4                       36150                        11                  LAKE POINT                                                      UT                          84074                         1                      2                       10/1/2006                      9/1/2036                     8/25/2006                        2/1/2007
     397.25                       43783.87                       43875                    10.375                  PLEASANT HILL                                                   MO                          64080                         4                      2                       10/1/2006                      9/1/2036                     8/17/2006                        2/1/2007
     524.95                       51412.44                       51517                    11.875                  HUGO                                                            MN                          55038                         1                      2                       10/1/2006                      9/1/2036                     8/31/2006                        2/1/2007
     223.38                       25925.72                       26000                      9.75                  VERNONIA                                                        OR                          97064                         1                      2                        9/1/2006                      8/1/2021                     7/14/2006                        2/1/2007
    3507.87                       378699.3                      379600                    10.625                  BROOKLYN                                                        NY                          11235                         1                      2                        9/1/2006                      8/1/2021                     7/20/2006                        2/1/2007
    1584.17                      183859.38                      184387                      9.75                  UPPER MARLBORO                                                  MD                          20774                         1                      2                        9/1/2006                      8/1/2021                     7/13/2006                        2/1/2007
     235.78                       22443.75                       22500                     12.25                  BATON ROUGE                                                     LA                          70810                         2                      2                        8/1/2006                      7/1/2036                     6/30/2006                        2/1/2007
      365.9                        39919.1                       40000                      10.5                  SILVER SPRING                                                   MD                          20906                         1                      2                       10/1/2006                      9/1/2036                     8/16/2006                        2/1/2007
     233.02                       19968.23                       20000                     13.75                  BOISE                                                           ID                          83706                         1                      2                       10/1/2006                      9/1/2036                     8/10/2006                        2/1/2007
     497.85                       48329.35                       48400                        12                  KETTLE FALLS                                                    WA                          99141                         1                      2                       10/1/2006                      9/1/2021                     8/16/2006                        2/1/2007
     451.11                       44169.52                       44270                    11.875                  NEWARK                                                          NJ                           7102                         1                      2                        9/1/2006                      8/1/2021                     8/11/2006                        2/1/2007
     326.17                       27275.29                       27300                    14.125                  KATY                                                            TX                          77450                         1                      2                       10/1/2006                      9/1/2021                     8/11/2006                        2/1/2007
     341.04                       28512.78                       28544                    14.125                  SAN ANTONIO                                                     TX                          78233                         1                      2                        9/1/2006                      8/1/2036                     7/24/2006                        2/1/2007
     967.77                       80926.64                       81000                    14.125                  SALEM                                                           OR                          97302                         1                      2                       10/1/2006                      9/1/2021                      8/9/2006                        2/1/2007
     782.53                        66536.2                       66600                    13.875                  PULLMAN                                                         WA                          99163                         2                      2                       10/1/2006                      9/1/2036                      8/3/2006                        2/1/2007
    1774.23                      150855.23                      151000                    13.875                  NORTH LOGAN                                                     UT                          84341                         1                      2                       10/1/2006                      9/1/2021                      8/2/2006                        2/1/2007
     200.99                       18743.18                       19180                     12.25                  FRIENDSWOOD                                                     TX                          77546                         1                      2                       10/1/2006                      9/1/2036                     8/10/2006                        2/1/2007
     1156.5                       95898.02                       96000                     14.25                  EVERETT                                                         MA                           2149                         1                      2                        9/1/2006                      8/1/2036                     7/21/2006                        2/1/2007
      442.3                       42937.26                       43000                        12                  CHICAGO                                                         IL                          60652                         1                      2                       10/1/2006                      9/1/2036                     8/17/2006                        2/1/2007
     166.12                       15972.47                       16000                    12.125                  CALDWELL                                                        ID                          83605                         2                      2                       10/1/2006                      9/1/2036                      8/1/2006                        2/1/2007
     364.51                       43241.69                       43350                       9.5                  LOCKPORT                                                        IL                          60441                         1                      2                       10/1/2006                      9/1/2036                     8/14/2006                        2/1/2007
     167.61                       19057.08                       19100                        10                  KENT                                                            CT                           6757                         1                      2                       10/1/2006                      9/1/2036                     8/17/2006                        2/1/2007
     304.42                       36506.13                       36600                     9.375                  MURFREESBORO                                                    TN                          37130                         1                      2                       10/1/2006                      9/1/2036                      8/1/2006                        2/1/2007
     295.53                       32547.62                       32980                     10.25                  FARMINGTON                                                      MO                          63640                         1                      2                       10/1/2006                      9/1/2036                     8/23/2006                        2/1/2007
     360.33                       43684.71                       43800                      9.25                  PLANO                                                           TX                          75023                         1                      2                       10/1/2006                      9/1/2036                      8/9/2006                        2/1/2007
     489.12                       47927.99                       48000                    11.875                  RIDGELY                                                         MD                          21660                         1                      2                       10/1/2006                      9/1/2021                      8/3/2006                        2/1/2007
     728.25                       74851.04                       74980                     11.25                  YORK                                                            PA                          17403                         1                      2                       10/1/2006                      9/1/2036                     8/15/2006                        2/1/2007
     661.95                       58735.08                       58800                     13.25                  LONG BRANCH                                                     NJ                           7740                         3                      2                       10/1/2006                      9/1/2036                     8/15/2006                        2/1/2007
     734.56                       88087.14                       88315                     9.375                  WALDORF                                                         MD                          20603                         1                      2                       10/1/2006                      9/1/2036                     8/30/2006                        2/1/2007
        501                       42945.17                       43000                     13.75                  TACOMA                                                          WA                          98418                         1                      2                       10/1/2006                      9/1/2021                     8/21/2006                        2/1/2007
    1037.65                      105622.91                      105800                    11.375                  ARLINGTON                                                       VA                          22203                         1                      2                       10/1/2006                      9/1/2021                     8/18/2006                        2/1/2007
     144.31                       13263.61                       13280                     12.75                  CAMDEN                                                          NJ                           8103                         1                      2                       10/1/2006                      9/1/2036                     8/30/2006                        2/1/2007
     265.27                       28941.38                       29000                      10.5                  GRAY                                                            TN                          37615                         3                      2                       10/1/2006                      9/1/2021                     8/30/2006                        2/1/2007
      524.3                       44937.21                       45000                     13.75                  TACOMA                                                          WA                          98405                         1                      2                       10/1/2006                      9/1/2021                     8/21/2006                        2/1/2007
      420.2                       50390.43                       50520                     9.375                  MURRAY                                                          UT                          84117                         1                      2                       10/1/2006                      9/1/2021                     8/28/2006                        2/1/2007
     373.39                       42900.69                       43000                     9.875                  HYATTSVILLE                                                     MD                          20783                         1                      2                       10/1/2006                      9/1/2036                     8/25/2006                        2/1/2007
     208.89                       20469.25                       20500                    11.875                  MEANSVILLE                                                      GA                          30256                         1                      2                       10/1/2006                      9/1/2036                     8/29/2006                        2/1/2007
    1288.73                       149525.5                      150000                      9.75                  PRINEVILLE                                                      OR                          97754                         1                      2                        9/1/2006                      8/1/2021                     7/25/2006                        2/1/2007
     380.27                       41912.78                       42000                    10.375                  ASTORIA                                                         OR                          97103                         1                      2                       10/1/2006                      9/1/2021                      8/3/2006                        2/1/2007
     161.19                       14778.29                       15000                        10                  PERRY                                                           FL                          32347                         1                      2                        9/1/2006                      8/1/2021                      8/2/2006                        2/1/2007
     274.96                       27447.42                       27500                    11.625                  BALTIMORE                                                       MD                          21224                         1                      2                        9/1/2006                      8/1/2021                     7/28/2006                        2/1/2007
     895.92                       76176.94                       76250                    13.875                  SCOTTSDALE                                                      AZ                          85251                         1                      2                       10/1/2006                      9/1/2021                     8/31/2006                        2/1/2007
     821.71                      104145.11                      104450                      8.75                  GAINESVILLE                                                     VA                          20155                         1                      2                       10/1/2006                      9/1/2021                      8/8/2006                        2/1/2007
     528.69                       58874.21                       59000                     10.25                  MIDDLETOWN                                                      NY                          10940                         1                      2                       10/1/2006                      9/1/2036                     8/31/2006                        2/1/2007
     631.97                       69655.05                       69800                    10.375                  SAN BERNARDINO                                                  CA                          92410                         2                      2                       10/1/2006                      9/1/2036                     8/22/2006                        2/1/2007
      719.7                       60684.43                       60741                        14                  COLUMBIA                                                        MO                          65202                         2                      2                       10/1/2006                      9/1/2021                     8/25/2006                        2/1/2007
     874.32                       84875.94                       85000                        12                  CHICAGO                                                         IL                          60645                         1                      2                       10/1/2006                      9/1/2036                     8/31/2006                        2/1/2007
     564.16                       50940.43                       51000                        13                  ORLANDO                                                         FL                          32810                         1                      2                       10/1/2006                      9/1/2021                     8/14/2006                        2/1/2007
     311.47                       29925.17                       30000                    12.125                  KENNER                                                          LA                          70062                         2                      2                       10/1/2006                      9/1/2036                     8/31/2006                        2/1/2007
     685.24                        65906.3                       66000                    12.125                  GILBERT                                                         AZ                          85233                         1                      2                       10/1/2006                      9/1/2021                     8/10/2006                        2/1/2007
     235.41                       25922.03                       26000                    10.375                  BUCKLEY                                                         WA                          98321                         1                      2                       10/1/2006                      9/1/2021                      8/9/2006                        2/1/2007
     451.57                       45525.74                       45600                      11.5                  RINGGOLD                                                        GA                          30736                         1                      2                       10/1/2006                      9/1/2036                     8/23/2006                        2/1/2007
        501                       42945.17                       43000                     13.75                  LACEY                                                           WA                          98503                         1                      2                       10/1/2006                      9/1/2021                     8/21/2006                        2/1/2007
     149.79                       17210.16                       17250                     9.875                  ARCANUM                                                         OH                          45304                         1                      2                       10/1/2006                      9/1/2036                     8/25/2006                        2/1/2007
     617.51                       52934.88                       53000                     13.75                  TACOMA                                                          WA                          98405                         2                      2                       10/1/2006                      9/1/2021                     8/21/2006                        2/1/2007
     652.46                       55936.89                       56000                     13.75                  TACOMA                                                          WA                          98406                         1                      2                       10/1/2006                      9/1/2021                     8/18/2006                        2/1/2007
     453.06                       45675.48                       45750                      11.5                  FORT LAUDERDALE                                                 FL                          33312                         1                      2                       10/1/2006                      9/1/2021                     8/31/2006                        2/1/2007
     841.41                       81680.59                       81800                        12                  FAIRFAX                                                         VA                          22032                         1                      2                       10/1/2006                      9/1/2036                     8/30/2006                        2/1/2007
     567.14                       61865.94                       62000                      10.5                  FEDERAL WAY                                                     WA                          98023                         1                      2                       10/1/2006                      9/1/2021                     8/28/2006                        2/1/2007
     203.04                       21708.28                       21750                     10.75                  CHICAGO                                                         IL                          60617                         1                      2                       10/1/2006                      9/1/2021                     8/18/2006                        2/1/2007
     459.21                       39703.56                       39750                    13.625                  MINNEAPOLIS                                                     MN                          55407                         2                      2                       10/1/2006                      9/1/2036                     8/29/2006                        2/1/2007
     160.49                       15219.33                       15750                    11.875                  GRAND RAPIDS                                                    MI                          49507                         2                      2                       10/1/2006                      9/1/2036                      9/1/2006                        2/1/2007
    1233.81                      106628.54                      106800                    13.625                  SALT LAKE CITY                                                  UT                          84105                         1                      2                       10/1/2006                      9/1/2036                     8/25/2006                        2/1/2007
     160.79                       15756.37                       15780                    11.875                  INDIANAPOLIS                                                    IN                          46222                         1                      2                       10/1/2006                      9/1/2036                      9/1/2006                        2/1/2007
     156.92                       15358.31                       15400                    11.875                  CAMDEN                                                          TN                          38320                         1                      2                       10/1/2006                      9/1/2036                     8/30/2006                        2/1/2007
     554.29                       47929.88                       47980                    13.625                  SAINT LOUIS                                                     MO                          63104                         4                      2                       10/1/2006                      9/1/2036                     8/29/2006                        2/1/2007
      422.7                          49081                       49200                      9.75                  BUFFALO                                                         NY                          14214                         1                      2                       10/1/2006                      9/1/2036                     8/16/2006                        2/1/2007
     235.76                       20202.51                       20235                     13.75                  NOBLESVILLE                                                     IN                          46062                         1                      2                        7/1/2006                      6/1/2036                     5/11/2006                        2/1/2007
     244.63                       20766.86                       20820                    13.875                  CLEARWATER                                                      FL                          33756                         1                      2                        8/1/2006                      7/1/2021                     6/23/2006                        2/1/2007
     1742.7                      145727.89                      145860                    14.125                  BROOKLYN                                                        NY                          11216                         3                      2                       10/1/2006                      9/1/2021                     8/28/2006                        2/1/2007
     957.26                       92069.09                       92200                    12.125                  JAMAICA                                                         NY                          11434                         1                      2                       10/1/2006                      9/1/2036                      8/2/2006                        2/1/2007
     157.77                        20932.1                       21000                      8.25                  SAINT HELENS                                                    OR                          97051                         1                      2                       10/1/2006                      9/1/2021                      8/4/2006                        2/1/2007
     859.28                       81886.73                       82000                     12.25                  ACCOKEEK                                                        MD                          20607                         1                      2                       10/1/2006                      9/1/2021                     8/14/2006                        2/1/2007
     176.54                        15010.6                       15025                    13.875                  PHILADELPHIA                                                    PA                          19134                         1                      2                       10/1/2006                      9/1/2036                     8/21/2006                        2/1/2007
     337.88                       28971.41                       29000                     13.75                  BEND                                                            OR                          97702                         1                      2                       10/1/2006                      9/1/2036                     8/15/2006                        2/1/2007
     517.05                       49729.28                       49800                    12.125                  APPLE VALLEY                                                    CA                          92308                         1                      2                       10/1/2006                      9/1/2036                      8/1/2006                        2/1/2007
     159.28                       15179.01                       15200                     12.25                  ROCKFORD                                                        IL                          61103                         1                      2                       10/1/2006                      9/1/2036                     8/14/2006                        2/1/2007
     260.68                       21975.21                       22000                        14                  DISTRICT HEIGHTS                                                MD                          20747                         1                      2                        9/1/2006                      8/1/2036                     7/21/2006                        2/1/2007
     346.15                       43855.98                       44000                      8.75                  SAN LEANDRO                                                     CA                          94577                         1                      2                       10/1/2006                      9/1/2021                     8/11/2006                        2/1/2007
     430.89                       48903.02                       49100                        10                  OLYMPIA                                                         WA                          98506                         1                      2                       10/1/2006                      9/1/2021                     8/21/2006                        2/1/2007
     606.62                       66860.87                       67000                    10.375                  GAITHERSBURG                                                    MD                          20879                         1                      2                       10/1/2006                      9/1/2021                     8/25/2006                        2/1/2007
     537.31                       73796.31                       74105                     7.875                  KALAMAZOO                                                       MI                          49009                         1                      2                       10/1/2006                      9/1/2036                     8/31/2006                        2/1/2007
     275.07                       26213.76                       26250                     12.25                  MILACA                                                          MN                          56353                         1                      2                       10/1/2006                      9/1/2036                     8/31/2006                        2/1/2007
     797.65                       87023.69                       87200                      10.5                  EVANS                                                           GA                          30809                         1                      2                       10/1/2006                      9/1/2036                     8/31/2006                        2/1/2007
     563.69                       60879.96                       61000                    10.625                  COMMACK                                                         NY                          11725                         1                      2                       10/1/2006                      9/1/2021                      9/1/2006                        2/1/2007
     288.08                       41045.18                       41200                       7.5                  LANSDALE                                                        PA                          19446                         1                      2                       10/1/2006                      9/1/2021                     8/23/2006                        2/1/2007
     933.34                      100597.62                      101000                    10.625                  SOUTH OZONE PARK                                                NY                          11420                         1                      2                       10/1/2006                      9/1/2036                      8/8/2006                        2/1/2007
      270.7                       28943.85                       29000                     10.75                  ATLANTA                                                         GA                          30349                         1                      2                       10/1/2006                      9/1/2021                     8/28/2006                        2/1/2007
     319.55                       36715.04                       36800                     9.875                  VANCOUVER                                                       WA                          98683                         1                      2                       10/1/2006                      9/1/2021                     8/16/2006                        2/1/2007
     406.16                       45699.69                       45800                    10.125                  DURANGO                                                         CO                          81301                         1                      2                       10/1/2006                      9/1/2021                     8/25/2006                        2/1/2007
     705.48                       67853.56                       67950                    12.125                  BALL GROUND                                                     GA                          30107                         1                      2                       10/1/2006                      9/1/2021                     8/30/2006                        2/1/2007
     662.35                       64902.49                       65000                    11.875                  MESA                                                            AZ                          85202                         1                      2                       10/1/2006                      9/1/2021                     8/31/2006                        2/1/2007
     310.39                       34923.34                       35000                    10.125                  MAGNA                                                           UT                          84044                         1                      2                       10/1/2006                      9/1/2021                     8/28/2006                        2/1/2007
     270.87                        28113.2                       28163                    11.125                  RUSKIN                                                          FL                          33570                         1                      2                       10/1/2006                      9/1/2021                     8/31/2006                        2/1/2007
    1107.07                      115993.65                      116250                        11                  BROOKLYN                                                        NY                          11213                         1                      2                       10/1/2006                      9/1/2036                     8/21/2006                        2/1/2007
      690.3                        58693.7                       58750                    13.875                  WINTER GARDEN                                                   FL                          34787                         1                      2                       10/1/2006                      9/1/2021                     8/11/2006                        2/1/2007
     360.01                       34948.94                       35000                        12                  JACKSON                                                         OH                          45640                         1                      2                       10/1/2006                      9/1/2036                     8/29/2006                        2/1/2007
     704.99                       59942.49                       60000                    13.875                  BEAVERTON                                                       OR                          97007                         1                      2                       10/1/2006                      9/1/2021                      8/9/2006                        2/1/2007
    1084.37                      109321.63                      109500                      11.5                  SPRINGFIELD GARDENS                                             NY                          11413                         1                      2                       10/1/2006                      9/1/2036                     8/17/2006                        2/1/2007
     469.38                       46394.45                       46500                     11.75                  LAKE WORTH                                                      FL                          33462                         1                      2                       10/1/2006                      9/1/2036                     8/15/2006                        2/1/2007
     334.83                        32169.9                       32250                    12.125                  GAINESVILLE                                                     GA                          30507                         1                      2                       10/1/2006                      9/1/2021                     8/25/2006                        2/1/2007
    1058.67                      108812.55                      109000                     11.25                  WAYZATA                                                         MN                          55391                         1                      2                       10/1/2006                      9/1/2036                     8/24/2006                        2/1/2007
      293.4                       26966.68                       27000                     12.75                  BOISE                                                           ID                          83704                         1                      2                       10/1/2006                      9/1/2021                     8/14/2006                        2/1/2007
     833.62                       95778.29                       96000                     9.875                  MINEOLA                                                         NY                          11501                         1                      2                       10/1/2006                      9/1/2036                      8/4/2006                        2/1/2007
     942.21                       91466.31                       91600                        12                  LYNWOOD                                                         CA                          90262                         1                      2                       10/1/2006                      9/1/2021                     8/21/2006                        2/1/2007
     398.56                          34465                       34500                    13.625                  SARTELL                                                         MN                          56377                         1                      2                       10/1/2006                      9/1/2036                     8/21/2006                        2/1/2007
        501                       42941.13                       43000                     13.75                  SPANAWAY                                                        WA                          98387                         1                      2                       10/1/2006                      9/1/2021                     8/18/2006                        2/1/2007
        935                       90794.43                       90900                        12                  KINGS PARK                                                      NY                          11754                         1                      2                       11/1/2006                     10/1/2021                      9/6/2006                        2/1/2007
     502.22                        43037.1                       43105                     13.75                  JEROME                                                          ID                          83338                         1                      2                       10/1/2006                      9/1/2021                     8/24/2006                        2/1/2007
     571.08                        53927.5                       54000                    12.375                  CHICAGO                                                         IL                          60636                         2                      2                       10/1/2006                      9/1/2036                     8/30/2006                        2/1/2007
     424.16                        41175.8                       41236                        12                  TOPSHAM                                                         ME                           4086                         1                      2                       10/1/2006                      9/1/2036                     8/31/2006                        2/1/2007
      571.9                       57109.39                       57200                    11.625                  SCOTTSDALE                                                      AZ                          85257                         1                      2                       10/1/2006                      9/1/2021                     8/18/2006                        2/1/2007
     311.63                        40870.8                       41000                     8.375                  SISTERS                                                         OR                          97759                         1                      2                       10/1/2006                      9/1/2021                     8/17/2006                        2/1/2007
     641.03                       65909.62                       66000                     11.25                  LATHROP                                                         CA                          95330                         1                      2                       11/1/2006                     10/1/2021                      9/1/2006                        2/1/2007
     365.73                        33916.9                       33960                    12.625                  WHEELING                                                        IL                          60090                         1                      2                       10/1/2006                      9/1/2036                     8/29/2006                        2/1/2007
     521.85                       49731.24                       49800                     12.25                  CANTON                                                          MI                          48188                         1                      2                       10/1/2006                      9/1/2036                     8/29/2006                        2/1/2007
     191.12                        19268.6                       19300                      11.5                  GAINESVILLE                                                     GA                          30507                         1                      2                       10/1/2006                      9/1/2036                     8/31/2006                        2/1/2007
     302.76                       34369.82                       34500                        10                  NEW MARKET                                                      AL                          35761                         1                      2                       10/1/2006                      9/1/2036                     8/18/2006                        2/1/2007
     203.04                       21708.28                       21750                     10.75                  CHICAGO                                                         IL                          60617                         1                      2                       10/1/2006                      9/1/2021                     8/18/2006                        2/1/2007
     459.21                       39706.62                       39750                    13.625                  MINNEAPOLIS                                                     MN                          55407                         2                      2                       10/1/2006                      9/1/2036                     8/29/2006                        2/1/2007
     295.93                       25380.11                       25400                     13.75                  ATLANTA                                                         GA                          30340                         1                      2                       11/1/2006                     10/1/2036                      9/8/2006                        2/1/2007
     937.33                       80325.88                       80450                     13.75                  FEDERAL WAY                                                     WA                          98003                         1                      2                       10/1/2006                      9/1/2021                     8/25/2006                        2/1/2007
     514.36                       57872.95                       58000                    10.125                  SEATTLE                                                         WA                          98168                         1                      2                       10/1/2006                      9/1/2036                     8/24/2006                        2/1/2007
     439.08                       47893.98                       48000                      10.5                  JAMAICA                                                         NY                          11434                         1                      2                       10/1/2006                      9/1/2036                     8/17/2006                        2/1/2007
     706.84                       74087.82                     74222.6                        11                  PEMBROKE PINES                                                  FL                          33029                         1                      2                       10/1/2006                      9/1/2036                      9/1/2006                        2/1/2007
     315.53                       41891.77                       42000                      8.25                  PLAINFIELD                                                      IL                          60585                         1                      2                       11/1/2006                     10/1/2036                      9/8/2006                        2/1/2007
     254.62                       33394.44                       33500                     8.375                  BARRINGTON                                                      IL                          60010                         1                      2                       10/1/2006                      9/1/2036                     8/31/2006                        2/1/2007
     509.92                       50919.16                       51000                    11.625                  GRAHAM                                                          WA                          98338                         1                      2                       10/1/2006                      9/1/2021                     8/29/2006                        2/1/2007
     367.28                       42648.68                       42750                      9.75                  NEW ORLEANS                                                     LA                          70116                         1                      2                       10/1/2006                      9/1/2021                      9/1/2006                        2/1/2007
    1062.09                      107075.29                      107250                      11.5                  STAFFORD                                                        VA                          22554                         1                      2                       10/1/2006                      9/1/2036                     8/25/2006                        2/1/2007
    1200.75                      100408.98                      100500                    14.125                  RIDGEFIELD                                                      WA                          98642                         1                      2                       10/1/2006                      9/1/2021                     8/30/2006                        2/1/2007
     371.65                        44089.6                       44200                       9.5                  INGLESIDE                                                       IL                          60041                         1                      2                       10/1/2006                      9/1/2036                     8/18/2006                        2/1/2007
     218.16                        24546.1                       24600                    10.125                  PORT SAINT LUCIE                                                FL                          34952                         1                      2                       10/1/2006                      9/1/2021                     8/11/2006                        2/1/2007
     326.23                       27972.39                       28000                     13.75                  PASCO                                                           WA                          99301                         1                      2                       10/1/2006                      9/1/2036                     8/15/2006                        2/1/2007
     326.23                       27972.39                       28000                     13.75                  PASCO                                                           WA                          99301                         1                      2                       10/1/2006                      9/1/2036                     8/15/2006                        2/1/2007
     662.61                       58249.56                       58350                    13.375                  MANCHESTER                                                      MI                          48158                         1                      2                       10/1/2006                      9/1/2021                     8/10/2006                        2/1/2007
     218.58                       21207.95                       21250                        12                  DELTA                                                           CO                          81416                         1                      2                       10/1/2006                      9/1/2021                     8/18/2006                        2/1/2007
    1091.56                       92810.96                       92900                    13.875                  AVONDALE                                                        AZ                          85323                         1                      2                       10/1/2006                      9/1/2021                     8/24/2006                        2/1/2007
     240.03                       19795.81                       20000                        12                  ATHENS                                                          AL                          35613                         1                      2                       10/1/2006                      9/1/2021                     8/18/2006                        2/1/2007
     575.95                       61463.99                       61700                     10.75                  CHICAGO                                                         IL                          60639                         1                      2                       10/1/2006                      9/1/2036                     8/30/2006                        2/1/2007
     638.56                        55640.2                       55750                      13.5                  PRINCETON                                                       MN                          55371                         1                      2                       11/1/2006                     10/1/2036                      9/5/2006                        2/1/2007
     730.31                       70917.53                       71000                        12                  SYRACUSE                                                        UT                          84075                         1                      2                       11/1/2006                     10/1/2021                      9/7/2006                        2/1/2007
     413.76                       42541.65                       42600                     11.25                  AURORA                                                          CO                          80013                         1                      2                       11/1/2006                     10/1/2036                      9/8/2006                        2/1/2007
     144.67                        13665.4                       13680                    12.375                  SHELBYVILLE                                                     TN                          37160                         1                      2                       11/1/2006                     10/1/2036                      9/8/2006                        2/1/2007
    1012.09                        95597.7                       95700                    12.375                  GRESHAM                                                         OR                          97080                         1                      2                       11/1/2006                     10/1/2036                      9/8/2006                        2/1/2007
     932.41                       95821.03                       96000                     11.25                  MIAMI                                                           FL                          33185                         1                      2                       11/1/2006                     10/1/2036                     9/12/2006                        2/1/2007
     310.92                       34998.82                       35060                    10.125                  SALT LAKE CITY                                                  UT                          84115                         1                      2                       11/1/2006                     10/1/2021                      9/7/2006                        2/1/2007
     257.13                       26960.94                       27000                        11                  WEST JORDAN                                                     UT                          84088                         1                      2                       11/1/2006                     10/1/2021                      9/6/2006                        2/1/2007
     343.52                       36729.48                       36800                     10.75                  TACOMA                                                          WA                          98404                         1                      2                       10/1/2006                      9/1/2021                     8/16/2006                        2/1/2007
     249.52                       29897.95                       30000                     9.375                  MECHANICSBURG                                                   PA                          17055                         1                      2                       10/1/2006                      9/1/2021                     8/31/2006                        2/1/2007
     365.19                        37516.4                       37600                     11.25                  LINCOLN CITY                                                    OR                          97367                         1                      2                       10/1/2006                      9/1/2021                      8/2/2006                        2/1/2007
     267.61                       23952.75                       23980                    13.125                  MURFREESBORO                                                    TN                          37128                         2                      2                       10/1/2006                      9/1/2021                      8/8/2006                        2/1/2007
     165.76                          13977                       13990                        14                  INDIANAPOLIS                                                    IN                          46219                         2                      2                       10/1/2006                      9/1/2021                      8/3/2006                        2/1/2007
     527.52                        60582.9                       60750                     9.875                  PORTLAND                                                        OR                          97214                         2                      2                       10/1/2006                      9/1/2021                      8/2/2006                        2/1/2007
     302.33                       36672.92                       36750                      9.25                  CHICAGO                                                         IL                          60655                         1                      2                       11/1/2006                     10/1/2036                     9/19/2006                        2/1/2007
     633.75                       65087.92                       65250                     11.25                  HYATTSVILLE                                                     MD                          20783                         1                      2                        9/1/2006                      8/1/2036                     7/12/2006                        2/1/2007
     388.97                       36589.88                       36780                    12.375                  DEERFIELD                                                       IL                          60015                         1                      2                        9/1/2006                      8/1/2036                     7/26/2006                        2/1/2007
    1548.13                      143529.71                      143750                    12.625                  CHICAGO                                                         IL                          60630                         4                      2                        9/1/2006                      8/1/2036                      8/4/2006                        2/1/2007
     464.26                        47717.8                       47800                     11.25                  CHICAGO                                                         IL                          60638                         1                      2                       10/1/2006                      9/1/2036                     8/24/2006                        2/1/2007
     292.61                       34582.69                       34800                       9.5                  ATHENS                                                          TN                          37303                         1                      2                       10/1/2006                      9/1/2021                     8/14/2006                        2/1/2007
     1652.4                      216613.63                      217400                     8.375                  GREAT NECK                                                      NY                          11020                         1                      2                       10/1/2006                      9/1/2036                     8/28/2006                        2/1/2007
      628.9                       73026.35                       73200                      9.75                  YUMA                                                            AZ                          85365                         1                      2                       10/1/2006                      9/1/2021                      8/4/2006                        2/1/2007
     602.18                       67056.67                       67200                     10.25                  SLIDELL                                                         LA                          70458                         1                      2                       10/1/2006                      9/1/2036                     8/14/2006                        2/1/2007
     598.16                       56484.03                       56560                    12.375                  CHICAGO                                                         IL                          60629                         2                      2                       10/1/2006                      9/1/2036                     8/22/2006                        2/1/2007
    1328.23                      113818.84                      114000                     13.75                  HOLLYWOOD                                                       FL                          33020                         3                      2                       10/1/2006                      9/1/2036                      9/5/2006                        2/1/2007
     274.42                       29939.35                       30000                      10.5                  WASECA                                                          MN                          56093                         1                      2                       10/1/2006                      9/1/2036                     8/30/2006                        2/1/2007
     170.96                       15845.96                       15875                    12.625                  PRINCETON                                                       IL                          61356                         1                      2                       10/1/2006                      9/1/2036                     8/21/2006                        2/1/2007
     594.21                        50931.7                       51000                     13.75                  TACOMA                                                          WA                          98444                         1                      2                       10/1/2006                      9/1/2021                     8/21/2006                        2/1/2007
     184.69                       19747.08                       19785                     10.75                  SALT LAKE CITY                                                  UT                          84104                         2                      2                       10/1/2006                      9/1/2036                     8/28/2006                        2/1/2007
      443.9                       38062.46                       38100                     13.75                  ATLANTA                                                         GA                          30318                         1                      2                       10/1/2006                      9/1/2021                      9/5/2006                        2/1/2007
     966.01                       94686.79                       94800                    11.875                  BELLEVUE                                                        WA                          98004                         1                      2                       11/1/2006                     10/1/2021                      9/1/2006                        2/1/2007
     174.78                       14968.42                       15001                     13.75                  MILLVILLE                                                       NJ                           8332                         1                      2                       10/1/2006                      9/1/2036                     8/31/2006                        2/1/2007
      89.93                       14909.32                       15000                         6                  CHICAGO                                                         IL                          60639                         2                      2                       11/1/2006                     10/1/2036                     8/31/2006                        2/1/2007
     261.26                       25362.97                       25400                        12                  SHREVEPORT                                                      LA                          71118                         1                      2                       10/1/2006                      9/1/2036                     8/29/2006                        2/1/2007
     262.44                       28317.17                       28400                    10.625                  MONTGOMERY                                                      AL                          36109                         1                      2                       10/1/2006                      9/1/2036                      9/5/2006                        2/1/2007
      394.9                       44898.74                       45000                        10                  CHICAGO                                                         IL                          60655                         1                      2                       11/1/2006                     10/1/2036                      9/6/2006                        2/1/2007
     559.56                       54234.13                       54400                        12                  ALOHA                                                           OR                          97006                         1                      2                       10/1/2006                      9/1/2036                     8/28/2006                        2/1/2007
      281.4                       23693.86                       23750                        14                  FLOWERY BRANCH                                                  GA                          30542                         1                      2                        9/1/2006                      8/1/2021                      8/2/2006                        2/1/2007
    1175.62                       99126.55                       99219                        14                  EAST LYME                                                       CT                           6333                         1                      2                       10/1/2006                      9/1/2021                     8/18/2006                        2/1/2007
      150.3                       16573.56                       16601                    10.375                  WYANDOTTE                                                       MI                          48192                         1                      2                       11/1/2006                     10/1/2021                      9/6/2006                        2/1/2007
     454.51                       53341.83                       53472                     9.625                  WALDORF                                                         MD                          20603                         1                      2                       10/1/2006                      9/1/2021                     8/18/2006                        2/1/2007
     268.06                          31126                       31200                      9.75                  AUSTIN                                                          TX                          78728                         2                      2                       10/1/2006                      9/1/2036                     8/24/2006                        2/1/2007
     256.32                       21982.76                       22000                     13.75                  MACOMB                                                          IL                          61455                         1                      2                       11/1/2006                     10/1/2036                      9/7/2006                        2/1/2007
     324.95                       39379.55                       39500                      9.25                  SPICER                                                          MN                          56288                         1                      2                       10/1/2006                      9/1/2036                     8/28/2006                        2/1/2007
     311.53                       39484.43                       39600                      8.75                  MARIETTA                                                        GA                          30067                         1                      2                       10/1/2006                      9/1/2036                     8/18/2006                        2/1/2007
     519.64                       44458.09                       44600                     13.75                  ROCHESTER                                                       WA                          98579                         2                      2                       10/1/2006                      9/1/2021                     8/23/2006                        2/1/2007
     384.49                       32950.32                       33000                     13.75                  TACOMA                                                          WA                          98405                         1                      2                       10/1/2006                      9/1/2021                     8/23/2006                        2/1/2007
     570.91                       48938.95                       49000                     13.75                  LAKEWOOD                                                        WA                          98499                         1                      2                       10/1/2006                      9/1/2021                     8/23/2006                        2/1/2007
     689.17                       66922.16                       67000                        12                  CICERO                                                          IL                          60804                         2                      2                       11/1/2006                     10/1/2036                      9/7/2006                        2/1/2007
    1152.04                      111836.57                      112000                        12                  BEAVERTON                                                       OR                          97008                         1                      2                       10/1/2006                      9/1/2036                     8/29/2006                        2/1/2007
     613.43                       52557.37                       52650                     13.75                  TACOMA                                                          WA                          98418                         1                      2                       11/1/2006                     10/1/2021                      9/5/2006                        2/1/2007
     367.26                       41410.52                       41850                        10                  BELTSVILLE                                                      MD                          20705                         1                      2                       10/1/2006                      9/1/2036                     8/29/2006                        2/1/2007
     256.09                       21940.09                       21980                     13.75                  SPRING                                                          TX                          77379                         1                      2                        6/1/2006                      5/1/2036                     4/27/2006                        2/1/2007
     377.03                       36921.52                       37000                    11.875                  DUMFRIES                                                        VA                          22026                         1                      2                        8/1/2006                      7/1/2021                     6/19/2006                        2/1/2007
     692.14                       87691.16                       87980                      8.75                  SOUTH JORDAN                                                    UT                          84095                         1                      2                       10/1/2006                      9/1/2021                     8/19/2006                        2/1/2007
     588.62                       55583.24                       55658                    12.375                  FREDERICKSBURG                                                  VA                          22407                         1                      2                       10/1/2006                      9/1/2036                     8/31/2006                        2/1/2007
     431.22                        36664.8                       36700                    13.875                  PHOENIX                                                         AZ                          85001                         1                      2                       10/1/2006                      9/1/2021                     8/14/2006                        2/1/2007
     296.11                       27962.43                       28000                    12.375                  LITHONIA                                                        GA                          30058                         1                      2                       10/1/2006                      9/1/2036                     8/17/2006                        2/1/2007
     267.61                       23952.75                       23980                    13.125                  MURFREESBORO                                                    TN                          37128                         2                      2                       10/1/2006                      9/1/2021                      8/8/2006                        2/1/2007
    1044.17                      113871.83                      114150                      10.5                  TRIANGLE                                                        VA                          22172                         1                      2                        9/1/2006                      8/1/2021                     7/31/2006                        2/1/2007
     166.82                       15898.04                       15920                     12.25                  KETTERING                                                       OH                          45429                         1                      2                       10/1/2006                      9/1/2036                     8/15/2006                        2/1/2007
     549.15                       67993.67                       68250                         9                  LYNWOOD                                                         CA                          90262                         1                      2                       10/1/2006                      9/1/2036                      8/2/2006                        2/1/2007
     940.35                      103643.29                      103859                    10.375                  STAFFORD                                                        VA                          22554                         1                      2                       10/1/2006                      9/1/2036                     8/25/2006                        2/1/2007
     537.49                       66614.79                       66800                         9                  HOOKSETT                                                        NH                           3106                         1                      2                       10/1/2006                      9/1/2036                      8/9/2006                        2/1/2007
     234.52                       20365.12                       20475                      13.5                  ALBANY                                                          NY                          12206                         3                      2                       10/1/2006                      9/1/2021                     8/29/2006                        2/1/2007
     942.12                       96827.39                       97000                     11.25                  SAN BERNARDINO                                                  CA                          92411                         1                      2                       10/1/2006                      9/1/2036                     8/11/2006                        2/1/2007
     573.04                       58898.55                       59000                     11.25                  TIGARD                                                          OR                          97224                         1                      2                       10/1/2006                      9/1/2036                     8/22/2006                        2/1/2007
     185.37                       24595.25                       24675                      8.25                  SCOTIA                                                          NY                          12302                         1                      2                       10/1/2006                      9/1/2021                     8/30/2006                        2/1/2007
     311.66                       34705.83                       34780                     10.25                  BOLINGBROOK                                                     IL                          60440                         1                      2                       10/1/2006                      9/1/2036                     8/25/2006                        2/1/2007
     201.28                       24137.95                       24200                     9.375                  COLLINSVILLE                                                    IL                          62234                         1                      2                       10/1/2006                      9/1/2036                     8/31/2006                        2/1/2007
     243.31                       30492.99                       30580                     8.875                  WHITE BLUFF                                                     TN                          37187                         1                      2                       10/1/2006                      9/1/2036                     8/31/2006                        2/1/2007
     217.34                       23462.78                       23520                    10.625                  SALEM                                                           OR                          97303                         1                      2                       10/1/2006                      9/1/2036                     8/25/2006                        2/1/2007
     660.95                       72848.39                       73000                    10.375                  COMPTON                                                         CA                          90221                         1                      2                       10/1/2006                      9/1/2036                     8/25/2006                        2/1/2007
     321.17                       42494.48                       42750                      8.25                  SANDY                                                           UT                          84092                         1                      2                       10/1/2006                      9/1/2021                     8/17/2006                        2/1/2007
      668.6                       64905.12                       65000                        12                  LUNENBURG                                                       MA                           1462                         1                      2                       10/1/2006                      9/1/2036                     8/28/2006                        2/1/2007
      577.9                       49542.41                       49600                     13.75                  TACOMA                                                          WA                          98405                         1                      2                       10/1/2006                      9/1/2021                     8/21/2006                        2/1/2007
     400.89                       34970.96                       35000                      13.5                  KERKHOVEN                                                       MN                          56252                         1                      2                       11/1/2006                     10/1/2036                      9/6/2006                        2/1/2007
     559.25                       47962.36                       48000                     13.75                  MERIDEN                                                         CT                           6450                         3                      2                       11/1/2006                     10/1/2036                     9/12/2006                        2/1/2007
     318.65                       27323.07                       27350                     13.75                  DALLAS                                                          GA                          30157                         1                      2                       10/1/2006                      9/1/2021                      9/5/2006                        2/1/2007
     568.97                       53742.49                       53800                    12.375                  CHICAGO                                                         IL                          60644                         2                      2                       11/1/2006                     10/1/2036                     9/11/2006                        2/1/2007
     559.25                       47962.36                       48000                     13.75                  ORLANDO                                                         FL                          32808                         1                      2                       11/1/2006                     10/1/2036                      9/8/2006                        2/1/2007
     218.05                       18859.78                       18875                    13.625                  FORT WORTH                                                      TX                          76112                         1                      2                       11/1/2006                     10/1/2021                     9/12/2006                        2/1/2007
     499.79                       64800.33                       65000                       8.5                  CHICAGO                                                         IL                          60641                         1                      2                       10/1/2006                      9/1/2036                     8/28/2006                        2/1/2007
     164.35                       20145.44                       20200                     9.125                  CHICAGO                                                         IL                          60633                         2                      2                       10/1/2006                      9/1/2036                     8/22/2006                        2/1/2007
     205.06                        17586.2                       17600                     13.75                  PENNS GROVE                                                     NJ                           8069                         2                      2                       11/1/2006                     10/1/2036                      9/1/2006                        2/1/2007
     178.25                       17970.69                       18000                      11.5                  PENNSVILLE                                                      NJ                           8070                         1                      2                       10/1/2006                      9/1/2036                     8/31/2006                        2/1/2007
    1217.87                      105250.05                      105420                    13.625                  PORTLAND                                                        OR                          97203                         1                      2                       10/1/2006                      9/1/2021                     8/30/2006                        2/1/2007
     678.65                       66500.11                       66600                    11.875                  DAMERON                                                         MD                          20628                         1                      2                       10/1/2006                      9/1/2021                     8/30/2006                        2/1/2007
     213.67                       23560.98                       23600                    10.375                  CRESTVIEW                                                       FL                          32539                         1                      2                       11/1/2006                     10/1/2036                      9/8/2006                        2/1/2007
     449.54                       56285.34                       56500                     8.875                  SELDEN                                                          NY                          11784                         1                      2                       10/1/2006                      9/1/2036                     8/25/2006                        2/1/2007
     464.57                       53340.12                       53500                     9.875                  SPRINGFIELD                                                     VA                          22150                         1                      2                       10/1/2006                      9/1/2036                     8/31/2006                        2/1/2007
     491.77                       46407.51                       46500                    12.375                  TAMPA                                                           FL                          33611                         1                      2                        9/1/2006                      8/1/2036                     7/31/2006                        2/1/2007
    1368.93                      115426.35                      115534                        14                  LAKE ALFRED                                                     FL                          33850                         1                      2                       10/1/2006                      9/1/2021                      8/4/2006                        2/1/2007
      676.9                        73850.4                       74000                      10.5                  BERWYN                                                          IL                          60402                         2                      2                       10/1/2006                      9/1/2036                     8/18/2006                        2/1/2007
     162.42                       15478.62                       15500                     12.25                  YORK                                                            PA                          17404                         3                      2                       10/1/2006                      9/1/2036                     8/11/2006                        2/1/2007
     499.02                       43152.19                       43196                    13.625                  WYANDANCH                                                       NY                          11798                         1                      2                       10/1/2006                      9/1/2036                     8/28/2006                        2/1/2007
     701.74                       88939.62                       89200                      8.75                  CHANTILLY                                                       VA                          20151                         1                      2                       10/1/2006                      9/1/2021                     8/25/2006                        2/1/2007
     938.12                      114845.25                      115300                     9.125                  TRIANGLE                                                        VA                          22172                         1                      2                       10/1/2006                      9/1/2021                     8/31/2006                        2/1/2007
        501                       42870.32                       43000                     13.75                  PARKLAND                                                        WA                          98444                         1                      2                       10/1/2006                      9/1/2021                     8/22/2006                        2/1/2007
     371.24                       49867.87                       50000                     8.125                  SEAFORD                                                         NY                          11783                         1                      2                       11/1/2006                     10/1/2036                     9/13/2006                        2/1/2007
     589.17                       50958.87                       51000                    13.625                  SAN ANTONIO                                                     TX                          78209                         1                      2                       11/1/2006                     10/1/2036                      9/1/2006                        2/1/2007
     773.24                       87544.94                       90000                      9.75                  NEW MILFORD                                                     CT                           6776                         1                      2                       11/1/2006                     10/1/2036                      9/6/2006                        2/1/2007
     349.53                       29976.48                       30000                     13.75                  HAMPTON                                                         GA                          30228                         1                      2                       11/1/2006                     10/1/2036                     9/13/2006                        2/1/2007
    1072.42                      132912.48                      133282                         9                  UPPER MARLBORO                                                  MD                          20774                         1                      2                       10/1/2006                      9/1/2021                     8/31/2006                        2/1/2007
     690.32                        87387.8                       87749                      8.75                  KING GEORGE                                                     VA                          22485                         1                      2                        8/1/2006                      7/1/2021                     7/14/2006                        2/1/2007
     411.78                       37181.53                       37225                        13                  HIALEAH                                                         FL                          33012                         1                      2                       10/1/2006                      9/1/2021                      8/7/2006                        2/1/2007
      387.7                       47521.26                       47650                     9.125                  KENMORE                                                         WA                          98028                         1                      2                       10/1/2006                      9/1/2021                     8/24/2006                        2/1/2007
     592.48                       53497.42                       53560                        13                  ASHLEY                                                          OH                          43003                         1                      2                       10/1/2006                      9/1/2036                     8/11/2006                        2/1/2007
     615.16                       59165.89                       59250                    12.125                  ORLANDO                                                         FL                          32822                         1                      2                       10/1/2006                      9/1/2021                      8/7/2006                        2/1/2007
     375.99                       31969.35                       32000                    13.875                  THE WOODLANDS                                                   TX                          77381                         1                      2                       10/1/2006                      9/1/2036                     8/11/2006                        2/1/2007
     305.99                       31147.81                       31200                    11.375                  CASA GRANDE                                                     AZ                          85222                         1                      2                       10/1/2006                      9/1/2021                     8/22/2006                        2/1/2007
     199.59                       20494.33                       20550                     11.25                  ADRIAN                                                          MI                          49221                         2                      2                       10/1/2006                      9/1/2021                     8/25/2006                        2/1/2007
      524.3                       44616.42                       45000                     13.75                  TACOMA                                                          WA                          98408                         2                      2                       10/1/2006                      9/1/2021                     8/21/2006                        2/1/2007
      128.7                       13624.56                       13650                    10.875                  ELGIN                                                           TX                          78621                         1                      2                       10/1/2006                      9/1/2036                     8/30/2006                        2/1/2007
      447.4                       38351.44                       38400                     13.75                  TACOMA                                                          WA                          98404                         1                      2                       10/1/2006                      9/1/2021                     8/21/2006                        2/1/2007
      319.9                       31063.86                       31100                        12                  ORLAND                                                          ME                           4472                         1                      2                       11/1/2006                     10/1/2036                      9/1/2006                        2/1/2007
     310.97                        37720.7                       37800                      9.25                  GILFORD                                                         NH                           3249                         1                      2                       11/1/2006                     10/1/2036                     9/14/2006                        2/1/2007
     489.77                       52895.68                       53000                    10.625                  MANASSAS                                                        VA                          20110                         1                      2                       10/1/2006                      9/1/2021                     8/23/2006                        2/1/2007
     707.58                       75654.74                       75800                     10.75                  HERNDON                                                         VA                          20170                         1                      2                       10/1/2006                      9/1/2021                     8/28/2006                        2/1/2007
     219.69                        23265.4                       23300                    10.875                  ROCKFORD                                                        IL                          61107                         1                      2                       11/1/2006                     10/1/2036                      9/7/2006                        2/1/2007
     289.39                       28366.11                       28400                    11.875                  FLINT                                                           MI                          48532                         1                      2                       11/1/2006                     10/1/2036                     9/13/2006                        2/1/2007
     370.12                       45258.25                       46000                         9                  ALGONQUIN                                                       IL                          60102                         1                      2                       11/1/2006                     10/1/2036                     9/14/2006                        2/1/2007
     307.15                        34937.3                       35000                        10                  SMYRNA                                                          GA                          30080                         1                      2                       11/1/2006                     10/1/2036                     9/14/2006                        2/1/2007
     241.22                       27728.92                       27780                     9.875                  TUPELO                                                          MS                          38801                         1                      2                       11/1/2006                     10/1/2036                      9/8/2006                        2/1/2007
     958.41                       95638.45                       95790                    11.634                  SPRINGFIELD GARDENS                                             NY                          11434                         2                      2                       10/1/2006                      9/1/2021                     8/17/2006                        2/1/2007
        882                       72111.44                       73000                    12.125                  LEESBURG                                                        VA                          20175                         1                      2                        9/1/2006                      8/1/2021                     7/13/2006                        2/1/2007
     359.85                       46656.23                       46800                       8.5                  ODENTON                                                         MD                          21113                         1                      2                       10/1/2006                      9/1/2021                     8/16/2006                        2/1/2007
     346.14                       43897.66                       44000                      8.75                  BAILEY                                                          CO                          80421                         1                      2                       11/1/2006                     10/1/2021                     9/14/2006                        2/1/2007
     573.07                       52669.83                       52735                     12.75                  KISSIMMEE                                                       FL                          34744                         1                      2                       10/1/2006                      9/1/2021                     8/28/2006                        2/1/2007
     275.46                        26748.9                       26780                        12                  WINFIELD                                                        AL                          35594                         1                      2                       11/1/2006                     10/1/2021                     9/12/2006                        2/1/2007
     245.72                       27949.83                       28000                        10                  WAUCONDA                                                        IL                          60084                         1                      2                       11/1/2006                     10/1/2036                     9/15/2006                        2/1/2007
     873.83                       74926.04                       75000                     13.75                  HOUSTON                                                         TX                          77008                         1                      2                       10/1/2006                      9/1/2021                     8/18/2006                        2/1/2007
     529.88                       51937.89                       52000                    11.875                  OAKWOOD HILLS                                                   IL                          60013                         1                      2                       11/1/2006                     10/1/2036                     9/15/2006                        2/1/2007
     310.34                       39800.02                       39900                     8.625                  NOTTINGHAM                                                      MD                          21236                         1                      2                       11/1/2006                     10/1/2021                     9/12/2006                        2/1/2007
     344.27                       29775.93                       29800                    13.625                  LAYTON                                                          UT                          84041                         1                      2                       11/1/2006                     10/1/2021                      9/8/2006                        2/1/2007
     846.77                      122223.39                      122600                     7.375                  STAFFORD                                                        VA                          22556                         1                      2                       11/1/2006                     10/1/2036                     9/21/2006                        2/1/2007
     296.65                        28806.5                       28840                        12                  SCRANTON                                                        PA                          18504                         4                      2                       11/1/2006                     10/1/2036                     9/13/2006                        2/1/2007
     139.67                       15708.13                       15750                    10.125                  ALTOONA                                                         PA                          16602                         1                      2                        9/1/2006                      8/1/2021                     7/17/2006                        2/1/2007
     273.32                       28647.86                       28700                        11                  MURFREESBORO                                                    TN                          37130                         2                      2                       10/1/2006                      9/1/2021                     8/29/2006                        2/1/2007
     452.36                       38455.51                       38500                    13.875                  HOUSTON                                                         TX                          77036                         1                      2                        9/1/2006                      8/1/2021                      8/1/2006                        2/1/2007
     617.88                       62862.78                       63000                    11.375                  CONYERS                                                         GA                          30094                         1                      2                       10/1/2006                      9/1/2021                     8/25/2006                        2/1/2007
      519.4                       44536.05                       44580                     13.75                  SODDY DAISY                                                     TN                          37379                         1                      2                       10/1/2006                      9/1/2036                     8/14/2006                        2/1/2007
     202.41                       17964.22                       17980                     13.25                  SYRACUSE                                                        NY                          13204                         2                      2                       11/1/2006                     10/1/2021                      9/5/2006                        2/1/2007
     444.24                       41174.71                       41250                    12.625                  BOISE                                                           ID                          83705                         1                      2                       10/1/2006                      9/1/2021                     8/25/2006                        2/1/2007
     580.06                       66646.42                       66800                     9.875                  DOVER                                                           NH                           3820                         1                      2                       11/1/2006                     10/1/2036                      9/5/2006                        2/1/2007
     150.47                       15777.14                       15800                        11                  FROSTBURG                                                       MD                          21532                         1                      2                       11/1/2006                     10/1/2021                      9/8/2006                        2/1/2007
     245.47                       31483.49                       31560                     8.625                  QUAKERTOWN                                                      PA                          18951                         1                      2                       11/1/2006                     10/1/2036                     9/13/2006                        2/1/2007
     706.78                       71278.44                       71371                      11.5                  DOVER                                                           NH                           3820                         3                      2                       11/1/2006                     10/1/2036                     9/11/2006                        2/1/2007
     396.72                       34013.22                       34050                     13.75                  TACOMA                                                          WA                          98444                         1                      2                       11/1/2006                     10/1/2021                      9/7/2006                        2/1/2007
    2023.77                      218656.64                      219000                    10.625                  WHEATON                                                         IL                          60187                         1                      2                       11/1/2006                     10/1/2021                     9/15/2006                        2/1/2007
     415.72                       35955.95                       35985                    13.625                  AUSTIN                                                          TX                          78705                         1                      2                       11/1/2006                     10/1/2036                     9/14/2006                        2/1/2007
     190.87                       22527.22                       22700                       9.5                  SHELBY                                                          NC                          28150                         1                      2                       11/1/2006                     10/1/2036                     9/15/2006                        2/1/2007
     209.09                       24552.32                       24600                     9.625                  LAKE CHARLES                                                    LA                          70605                         1                      2                       11/1/2006                     10/1/2036                     9/15/2006                        2/1/2007
     538.34                       46562.42                       46600                    13.625                  SAINT CHARLES                                                   IL                          60175                         1                      2                       11/1/2006                     10/1/2036                     9/21/2006                        2/1/2007
     108.98                       10388.58                       10400                     12.25                  CHATSWORTH                                                      IL                          60921                         1                      2                       11/1/2006                     10/1/2036                     9/15/2006                        2/1/2007
     496.31                       48150.38                       48250                        12                  SHARPSBURG                                                      MD                          21782                         1                      2                        8/1/2006                      7/1/2036                     6/29/2006                        2/1/2007
     293.88                       25204.24                       25224                     13.75                  BEND                                                            OR                          97702                         1                      2                       11/1/2006                     10/1/2036                      9/6/2006                        2/1/2007
     196.68                       24941.81                       25000                      8.75                  NEW COLUMBIA                                                    PA                          17856                         1                      2                       11/1/2006                     10/1/2036                     9/25/2006                        2/1/2007
     355.13                       33507.09                       33580                    12.375                  EDGEWOOD                                                        MD                          21040                         1                      2                        9/1/2006                      8/1/2021                     7/26/2006                        2/1/2007
     230.74                       25695.11                       25750                     10.25                  ALBRIGHTSVILLE                                                  PA                          18210                         1                      2                       10/1/2006                      9/1/2036                     8/31/2006                        2/1/2007
     263.32                       25570.28                       25600                        12                  LILLIWAUP                                                       WA                          98555                         1                      2                       11/1/2006                     10/1/2021                      9/1/2006                        2/1/2007
     418.29                       42593.18                       42650                    11.375                  PHOENIX                                                         AZ                          85014                         1                      2                       11/1/2006                     10/1/2021                      9/5/2006                        2/1/2007
     104.47                       10334.05                       10350                     11.75                  PITTSBURGH                                                      PA                          15213                         1                      2                       10/1/2006                      9/1/2021                     8/28/2006                        2/1/2007
     181.69                       17977.92                       18000                     11.75                  SCOTTSBURG                                                      IN                          47170                         1                      2                       11/1/2006                     10/1/2036                      9/8/2006                        2/1/2007
    1501.83                      129895.07                      130000                    13.625                  SCITUATE                                                        MA                           2060                         1                      2                       11/1/2006                     10/1/2036                      9/7/2006                        2/1/2007
     118.48                        9990.72                       10000                        14                  INDIANAPOLIS                                                    IN                          46224                         1                      2                       10/1/2006                      9/1/2021                      8/3/2006                        2/1/2007
        744                       70901.99                       71000                     12.25                  INVERNESS                                                       IL                          60067                         1                      2                       10/1/2006                      9/1/2036                     8/24/2006                        2/1/2007
     438.51                       55196.71                       56380                     8.625                  CROFTON                                                         MD                          21114                         1                      2                       10/1/2006                      9/1/2021                     8/17/2006                        2/1/2007
     351.26                       37866.93                       38400                      10.5                  GALLATIN                                                        TN                          37066                         1                      2                       10/1/2006                      9/1/2021                     8/10/2006                        2/1/2007
     161.91                       19846.25                       19900                     9.125                  MONTGOMERY                                                      AL                          36116                         1                      2                       10/1/2006                      9/1/2036                     8/15/2006                        2/1/2007
     228.27                       17132.71                       17250                    13.875                  ALBANY                                                          NY                          12203                         2                      2                       11/1/2006                     10/1/2021                     9/15/2006                        2/1/2007
     740.25                       91492.17                       92000                         9                  DAVIE                                                           FL                          33325                         1                      2                       11/1/2006                     10/1/2021                     9/11/2006                        2/1/2007
      809.6                       70023.44                       70080                    13.625                  MILLSBORO                                                       DE                          19966                         1                      2                       11/1/2006                     10/1/2021                      9/8/2006                        2/1/2007
     398.23                       35950.67                       36000                        13                  PLEASANT GROVE                                                  UT                          84062                         1                      2                       10/1/2006                      9/1/2021                     8/24/2006                        2/1/2007
     718.73                       73871.17                       74000                     11.25                  CLINTON                                                         MD                          20735                         1                      2                       10/1/2006                      9/1/2021                     8/30/2006                        2/1/2007
     668.59                       64924.51                       65000                        12                  HILLSBORO                                                       OR                          97123                         1                      2                       11/1/2006                     10/1/2036                     9/11/2006                        2/1/2007
      638.7                        65646.9                       65760                     11.25                  MERIDIAN                                                        ID                          83646                         1                      2                       10/1/2006                      9/1/2021                     8/28/2006                        2/1/2007
     121.58                       10790.52                       10800                     13.25                  ALLENTOWN                                                       PA                          18102                         1                      2                       11/1/2006                     10/1/2036                     9/12/2006                        2/1/2007
     372.25                       31924.94                       31950                     13.75                  HAMPTON                                                         GA                          30228                         1                      2                       11/1/2006                     10/1/2036                     9/15/2006                        2/1/2007
        858                       84895.65                       85000                     11.75                  MIAMI                                                           FL                          33185                         1                      2                       11/1/2006                     10/1/2036                     9/15/2006                        2/1/2007
     722.07                       94761.32                       95000                     8.375                  MONTCLAIR                                                       CA                          91763                         1                      2                       11/1/2006                     10/1/2036                      9/8/2006                        2/1/2007
     237.83                       25855.49                       26000                      10.5                  ROCKVILLE                                                       MD                          20853                         1                      2                       11/1/2006                     10/1/2021                      9/8/2006                        2/1/2007
     450.04                       48623.62                       48700                    10.625                  CLERMONT                                                        FL                          34711                         1                      2                       11/1/2006                     10/1/2021                     9/15/2006                        2/1/2007
     788.82                      104729.44                      105000                      8.25                  HANOVER                                                         PA                          17331                         1                      2                       11/1/2006                     10/1/2036                     9/29/2006                        2/1/2007
    1502.53                      199353.52                      200000                      8.25                  POUGHQUAG                                                       NY                          12570                         1                      2                       10/1/2006                      9/1/2021                      8/8/2006                        2/1/2007
     305.49                        25980.2                       26000                    13.875                  LAKELAND                                                        FL                          33813                         1                      2                       11/1/2006                     10/1/2036                     9/15/2006                        2/1/2007
    1602.03                      137364.38                      137500                     13.75                  TIGARD                                                          OR                          97224                         1                      2                       10/1/2006                      9/1/2021                     8/25/2006                        2/1/2007
     142.78                       16946.19                       16980                       9.5                  TOBYHANNA                                                       PA                          18466                         1                      2                       11/1/2006                     10/1/2036                     9/15/2006                        2/1/2007
     649.89                        64875.8                       65000                    11.625                  FISHKILL                                                        NY                          12524                         1                      2                        9/1/2006                      8/1/2036                     7/11/2006                        2/1/2007
      476.3                       39822.47                       39866                    14.125                  SAN ANTONIO                                                     TX                          78233                         1                      2                        9/1/2006                      8/1/2021                     7/27/2006                        2/1/2007
    1269.45                      106153.77                      106250                    14.125                  WASHOUGAL                                                       WA                          98671                         1                      2                       10/1/2006                      9/1/2021                     8/30/2006                        2/1/2007
        812                       99489.82                       99800                     9.125                  PALATINE                                                        IL                          60067                         1                      2                       10/1/2006                      9/1/2036                      9/1/2006                        2/1/2007
     905.29                       77623.37                       77700                     13.75                  MOUNTAIN HOME                                                   ID                          83647                         1                      2                       10/1/2006                      9/1/2021                     8/18/2006                        2/1/2007
     325.69                       34137.93                       34200                        11                  MANDEVILLE                                                      LA                          70471                         1                      2                       10/1/2006                      9/1/2021                     8/25/2006                        2/1/2007
     449.49                       46652.39                       46735                    11.125                  SANFORD                                                         FL                          32773                         1                      2                       10/1/2006                      9/1/2021                     8/29/2006                        2/1/2007
     594.21                        50930.9                       51000                     13.75                  TACOMA                                                          WA                          98405                         1                      2                       10/1/2006                      9/1/2021                     8/21/2006                        2/1/2007
     358.05                       40656.54                       40800                        10                  KIRKLAND                                                        WA                          98034                         1                      2                       10/1/2006                      9/1/2021                     8/25/2006                        2/1/2007
     302.48                        33350.1                       33408                    10.375                  LONGVIEW                                                        WA                          98632                         1                      2                       11/1/2006                     10/1/2021                     9/11/2006                        2/1/2007
     327.48                       35653.16                       35800                      10.5                  HILLIARD                                                        OH                          43026                         1                      2                       10/1/2006                      9/1/2021                      9/7/2006                        2/1/2007
    1268.57                       116896.4                      118050                        10                  ORMOND BEACH                                                    FL                          32176                         1                      2                       11/1/2006                     10/1/2021                     9/15/2006                        2/1/2007
     261.15                       22781.08                       22800                      13.5                  NEWNAN                                                          GA                          30263                         1                      2                       11/1/2006                     10/1/2021                     9/18/2006                        2/1/2007
     410.59                       38086.47                       38125                    12.625                  BLUE ISLAND                                                     IL                          60406                         1                      2                       11/1/2006                     10/1/2036                     9/15/2006                        2/1/2007
     112.58                         9991.2                       10000                     13.25                  ALLENTOWN                                                       PA                          18102                         1                      2                       11/1/2006                     10/1/2036                     9/15/2006                        2/1/2007
     625.07                       66194.51                       66293                    10.875                  LYNWOOD                                                         IL                          60411                         1                      2                       11/1/2006                     10/1/2021                      9/6/2006                        2/1/2007
     145.71                          14056                       14300                    11.875                  MONTGOMERY                                                      AL                          36116                         1                      2                       10/1/2006                      9/1/2021                      9/2/2006                        2/1/2007
    1165.12                       99877.21                      100000                     13.75                  BRONX                                                           NY                          10466                         2                      2                       10/1/2006                      9/1/2021                     8/21/2006                        2/1/2007
      460.5                       41959.86                       42000                    12.875                  MCHENRY                                                         IL                          60050                         1                      2                       11/1/2006                     10/1/2036                     9/11/2006                        2/1/2007
     886.53                        86896.1                       87000                    11.875                  ORLANDO                                                         FL                          32828                         1                      2                       11/1/2006                     10/1/2021                     9/15/2006                        2/1/2007
     748.97                       87010.32                       87175                      9.75                  PHOENIX                                                         AZ                          85016                         1                      2                       11/1/2006                     10/1/2021                     9/12/2006                        2/1/2007
     495.94                        65086.1                       65250                     8.375                  ELGIN                                                           IL                          60120                         1                      2                       11/1/2006                     10/1/2036                      9/8/2006                        2/1/2007
     192.68                        25881.4                       25950                     8.125                  NEWVILLE                                                        PA                          17241                         1                      2                       11/1/2006                     10/1/2036                     9/28/2006                        2/1/2007
     476.98                       57588.81                       57980                      9.25                  BALTIMORE                                                       MD                          21224                         1                      2                       11/1/2006                     10/1/2036                     9/22/2006                        2/1/2007
     285.95                       26003.27                       27800                        12                  DENTON                                                          TX                          76209                         1                      2                       10/1/2006                      9/1/2036                     8/31/2006                        2/1/2007
     446.42                       43336.65                       43400                        12                  ORLANDO                                                         FL                          32822                         1                      2                       10/1/2006                      9/1/2021                     8/25/2006                        2/1/2007
     433.42                       37170.82                       37200                     13.75                  MESA                                                            AZ                          85204                         1                      2                       11/1/2006                     10/1/2021                      9/8/2006                        2/1/2007
     536.43                       57959.02                       58050                    10.625                  CHICAGO                                                         IL                          60646                         1                      2                       11/1/2006                     10/1/2036                     9/18/2006                        2/1/2007
      401.7                       35040.87                       35070                      13.5                  HARRISVILLE                                                     NH                           3450                         1                      2                       11/1/2006                     10/1/2036                     9/21/2006                        2/1/2007
     639.92                       59897.68                       59960                      12.5                  CICERO                                                          NY                          13039                         1                      2                       11/1/2006                     10/1/2036                     9/22/2006                        2/1/2007
     395.27                       36006.67                       36050                    12.875                  LEXINGTON PARK                                                  MD                          20653                         1                      2                       10/1/2006                      9/1/2021                     8/25/2006                        2/1/2007
     788.46                       68194.92                       68250                    13.625                  CASSELBERRY                                                     FL                          32730                         1                      2                       11/1/2006                     10/1/2021                      9/8/2006                        2/1/2007
     248.89                        22479.1                       22500                        13                  DENVER                                                          CO                          80211                         1                      2                       11/1/2006                     10/1/2036                     9/22/2006                        2/1/2007
     338.66                       38928.23                       39000                     9.875                  TEWKSBURY                                                       MA                           1876                         1                      2                       11/1/2006                     10/1/2036                     9/22/2006                        2/1/2007
     479.86                       53459.03                       53550                     10.25                  HILLSBORO                                                       OR                          97123                         1                      2                       11/1/2006                     10/1/2021                      9/7/2006                        2/1/2007
     677.84                       66440.55                       66520                    11.875                  PORTLAND                                                        OR                          97211                         1                      2                       11/1/2006                     10/1/2021                     9/19/2006                        2/1/2007
     703.54                       63540.88                       63600                        13                  LORTON                                                          VA                          22079                         1                      2                       11/1/2006                     10/1/2021                      9/6/2006                        2/1/2007
    2131.45                      184351.06                      184500                    13.625                  EVERETT                                                         MA                           2149                         3                      2                       11/1/2006                     10/1/2036                     9/22/2006                        2/1/2007
     173.36                       17918.22                       18025                    11.125                  NEW WOODSTOCK                                                   NY                          13122                         1                      2                       11/1/2006                     10/1/2021                     9/15/2006                        2/1/2007
     181.49                       17940.81                       17980                     11.75                  HUNTSVILLE                                                      AL                          35810                         1                      2                        9/1/2006                      8/1/2036                     7/28/2006                        2/1/2007
      880.3                       86285.85                       86389                    11.875                  HOPEWELL TOWNSHIP                                               NJ                           8534                         1                      2                       11/1/2006                     10/1/2021                      9/6/2006                        2/1/2007
     306.91                       36427.34                       36500                       9.5                  MANCHESTER                                                      MD                          21102                         1                      2                       11/1/2006                     10/1/2021                      9/8/2006                        2/1/2007
     224.24                       21762.98                       21800                        12                  SCRANTON                                                        PA                          18504                         2                      2                       11/1/2006                     10/1/2036                     9/21/2006                        2/1/2007
      196.9                       17783.46                       17800                        13                  XENIA                                                           OH                          45385                         1                      2                       11/1/2006                     10/1/2036                     9/22/2006                        2/1/2007
     718.65                       54601.33                       55000                    13.625                  SPRING VALLEY                                                   NY                          10977                         1                      2                       11/1/2006                     10/1/2021                     9/13/2006                        2/1/2007
     303.92                       34935.62                       35000                     9.875                  ACWORTH                                                         GA                          30102                         1                      2                       11/1/2006                     10/1/2021                     9/20/2006                        2/1/2007
     291.43                       38994.22                       39250                     8.125                  LILBURN                                                         GA                          30047                         1                      2                       11/1/2006                     10/1/2021                     9/15/2006                        2/1/2007
     780.48                       96785.68                       97000                         9                  BURKE                                                           VA                          22015                         1                      2                       11/1/2006                     10/1/2036                     9/18/2006                        2/1/2007
     379.61                        41433.2                       41500                      10.5                  BUFFALO GROVE                                                   IL                          60089                         1                      2                       11/1/2006                     10/1/2036                     9/20/2006                        2/1/2007
     492.85                       54906.58                       55000                     10.25                  LILBURN                                                         GA                          30047                         1                      2                       11/1/2006                     10/1/2021                     9/20/2006                        2/1/2007
     298.33                       26552.59                       26800                    10.625                  WEST SENECA                                                     NY                          14224                         2                      2                       11/1/2006                     10/1/2021                     9/20/2006                        2/1/2007
    1208.57                       101924.4                      102000                        14                  RIDGEFIELD                                                      WA                          98642                         1                      2                       11/1/2006                     10/1/2021                     9/20/2006                        2/1/2007
     694.38                        70704.4                       70800                    11.375                  NOTTINGHAM                                                      MD                          21236                         1                      2                       11/1/2006                     10/1/2021                     9/14/2006                        2/1/2007
     272.43                       28011.62                       28050                     11.25                  NORTH AURORA                                                    IL                          60542                         1                      2                       11/1/2006                     10/1/2036                     9/19/2006                        2/1/2007
     124.55                       10681.62                       10690                     13.75                  GREENFIELD                                                      IN                          46140                         1                      2                       11/1/2006                     10/1/2021                      9/8/2006                        2/1/2007
      360.2                        33705.9                       33750                      12.5                  CRESTWOOD                                                       IL                          60445                         1                      2                       10/1/2006                      9/1/2021                     8/31/2006                        2/1/2007
     106.95                       12972.72                       13000                      9.25                  LAKE MARY                                                       FL                          32746                         1                      2                       11/1/2006                     10/1/2021                     8/31/2006                        2/1/2007
     289.47                       41264.24                       41400                       7.5                  YUMA                                                            AZ                          85367                         1                      2                       11/1/2006                     10/1/2036                     9/12/2006                        2/1/2007
     590.71                       53347.27                       53400                        13                  SAINT PAUL                                                      MN                          55104                         1                      2                       11/1/2006                     10/1/2036                      9/8/2006                        2/1/2007
     673.86                       75072.26                       75200                     10.25                  YORKVILLE                                                       IL                          60560                         1                      2                       11/1/2006                     10/1/2036                     9/19/2006                        2/1/2007
      195.5                       23194.66                       23250                       9.5                  ARVADA                                                          CO                          80004                         1                      2                       11/1/2006                     10/1/2021                     9/18/2006                        2/1/2007
     478.46                       47341.81                       47400                     11.75                  FERNLEY                                                         NV                          89408                         1                      2                       11/1/2006                     10/1/2021                      9/7/2006                        2/1/2007
    1004.84                      100373.19                      100500                    11.625                  BRIDGEPORT                                                      CT                           6608                         3                      2                       11/1/2006                     10/1/2021                     9/25/2006                        2/1/2007
      919.4                      102425.69                      102600                     10.25                  LOS ANGELES                                                     CA                          90022                         1                      2                       11/1/2006                     10/1/2036                      9/5/2006                        2/1/2007
     390.45                       40940.72                       41000                        11                  MOUNT JOY                                                       PA                          17552                         1                      2                       11/1/2006                     10/1/2036                     9/22/2006                        2/1/2007
     429.39                       49359.05                       49450                     9.875                  LAS VEGAS                                                       NV                          89122                         1                      2                       11/1/2006                     10/1/2036                     9/11/2006                        2/1/2007
     837.81                          82898                       83000                     11.75                  CHESAPEAKE BEACH                                                MD                          20732                         1                      2                       11/1/2006                     10/1/2036                     9/20/2006                        2/1/2007
      815.2                       79904.46                       80000                    11.875                  SANDY                                                           UT                          84093                         1                      2                       11/1/2006                     10/1/2021                     9/18/2006                        2/1/2007
     469.92                       46940.71                       47000                    11.625                  TWIN LAKES                                                      WI                          53181                         1                      2                       11/1/2006                     10/1/2036                     9/22/2006                        2/1/2007
     471.55                       44720.35                       45000                     12.25                  FORT COLLINS                                                    CO                          80526                         1                      2                        5/1/2006                      4/1/2036                     3/24/2006                        2/1/2007
    1019.84                      101838.33                      102000                    11.625                  LOS ANGELES                                                     CA                          90044                         3                      2                       10/1/2006                      9/1/2036                     8/15/2006                        2/1/2007
     454.66                       49122.86                       49200                    10.625                  WINTER GARDEN                                                   FL                          34787                         1                      2                       11/1/2006                     10/1/2021                     9/27/2006                        2/1/2007
     500.82                       54661.82                       54750                      10.5                  GAITHERSBURG                                                    MD                          20877                         1                      2                       11/1/2006                     10/1/2021                     9/18/2006                        2/1/2007
     529.11                       45753.51                       45800                    13.625                  STRASBURG                                                       VA                          22657                         2                      2                       10/1/2006                      9/1/2036                     8/28/2006                        2/1/2007
     424.73                       45412.82                       45500                     10.75                  BROOKLYN                                                        NY                          11225                         1                      2                       10/1/2006                      9/1/2036                     8/16/2006                        2/1/2007
     331.34                       28178.52                       28200                    13.875                  LAKELAND                                                        FL                          33810                         1                      2                       11/1/2006                     10/1/2036                     9/15/2006                        2/1/2007
     635.39                       54955.61                       55000                    13.625                  SURPRISE                                                        AZ                          85379                         1                      2                       11/1/2006                     10/1/2021                     9/15/2006                        2/1/2007
      393.4                        35816.8                       35880                    12.875                  FERNLEY                                                         NV                          89408                         1                      2                       10/1/2006                      9/1/2021                     8/24/2006                        2/1/2007
     284.83                       35321.81                       35400                         9                  JACOBUS                                                         PA                          17407                         1                      2                       11/1/2006                     10/1/2036                     9/25/2006                        2/1/2007
      861.6                       73856.61                       73950                     13.75                  LAWRENCEVILLE                                                   GA                          30044                         1                      2                       10/1/2006                      9/1/2036                     8/31/2006                        2/1/2007
     415.45                       40686.11                       40770                    11.875                  FERNLEY                                                         NV                          89408                         1                      2                       11/1/2006                     10/1/2021                      9/1/2006                        2/1/2007
     186.18                       23346.95                       23400                     8.875                  DICKSON                                                         TN                          37055                         1                      2                       11/1/2006                     10/1/2036                     9/14/2006                        2/1/2007
     540.65                       46762.27                       46800                    13.625                  THE WOODLANDS                                                   TX                          77381                         1                      2                       11/1/2006                     10/1/2021                     9/13/2006                        2/1/2007
     540.07                       52935.76                       53000                    11.875                  KILLINGLY                                                       CT                           6239                         1                      2                       11/1/2006                     10/1/2021                     9/26/2006                        2/1/2007
     283.78                       30353.59                       30400                     10.75                  QUARRYVILLE                                                     PA                          17566                         1                      2                       11/1/2006                     10/1/2021                     9/19/2006                        2/1/2007
     320.43                        38868.3                       38950                      9.25                  ROSWELL                                                         GA                          30076                         1                      2                       11/1/2006                     10/1/2021                     9/26/2006                        2/1/2007
     301.38                       29265.98                       29300                        12                  BELLINGHAM                                                      WA                          98226                         1                      2                       11/1/2006                     10/1/2036                     9/22/2006                        2/1/2007
    1307.82                      135788.67                      135980                    11.125                  COLLIERVILLE                                                    TN                          38017                         1                      2                       11/1/2006                     10/1/2036                     9/27/2006                        2/1/2007
     373.77                       35948.88                       36000                    12.125                  CEDAR CITY                                                      UT                          84720                         1                      2                       10/1/2006                      9/1/2036                     8/30/2006                        2/1/2007
     269.14                       23081.88                       23100                     13.75                  FORT WORTH                                                      TX                          76123                         1                      2                       11/1/2006                     10/1/2021                      9/5/2006                        2/1/2007
     551.69                       60165.31                       60312                      10.5                  LAGRANGEVILLE                                                   NY                          12540                         1                      2                       11/1/2006                     10/1/2036                     9/27/2006                        2/1/2007
     312.04                       25788.69                       26000                        12                  ANTIOCH                                                         TN                          37013                         1                      2                       11/1/2006                     10/1/2021                      9/1/2006                        2/1/2007
     267.61                       23952.75                       23980                    13.125                  MURFREESBORO                                                    TN                          37128                         2                      2                       10/1/2006                      9/1/2021                      8/8/2006                        2/1/2007
     530.75                          47908                       47980                        13                  HERNDON                                                         VA                          20170                         1                      2                       11/1/2006                     10/1/2021                      9/7/2006                        2/1/2007
      602.1                       60700.95                       60800                      11.5                  WOODBRIDGE                                                      VA                          22192                         1                      2                       10/1/2006                      9/1/2021                     8/25/2006                        2/1/2007
    1225.33                      119955.27                      120249                    11.875                  HUDSON                                                          WI                          54016                         1                      2                       11/1/2006                     10/1/2036                     9/22/2006                        2/1/2007
        590                       64396.15                       64500                      10.5                  NOTTINGHAM                                                      MD                          21236                         1                      2                       11/1/2006                     10/1/2021                     9/27/2006                        2/1/2007
     541.31                       53560.16                       53626                     11.75                  SANGER                                                          CA                          93657                         1                      2                       11/1/2006                     10/1/2021                     7/19/2006                        2/1/2007
     495.61                       54091.95                       54180                      10.5                  SANGER                                                          CA                          93657                         1                      2                       11/1/2006                     10/1/2021                     8/22/2006                        2/1/2007
     806.65                       85422.88                       85550                    10.875                  BAKERSFIELD                                                     CA                          93311                         1                      2                       11/1/2006                     10/1/2021                     8/11/2006                        2/1/2007
      177.1                       23241.44                       23300                     8.375                  CHESTERFIELD                                                    VA                          23832                         1                      2                       11/1/2006                     10/1/2021                     9/18/2006                        2/1/2007
     724.61                       76735.83                       76850                    10.875                  UPPER MARLBORO                                                  MD                          20772                         1                      2                       11/1/2006                     10/1/2021                    10/11/2006                        2/1/2007
    1436.41                      138193.65                      138350                    12.125                  BRANDYWINE                                                      MD                          20613                         1                      2                       11/1/2006                     10/1/2021                     9/29/2006                        2/1/2007
     684.25                       64630.05                       64700                    12.375                  BILLINGS                                                        MT                          59106                         1                      2                       11/1/2006                     10/1/2021                     9/20/2006                        2/1/2007
     201.87                       23703.94                       23750                     9.625                  BALTIMORE                                                       MD                          21230                         1                      2                       11/1/2006                     10/1/2021                     9/29/2006                        2/1/2007
     778.16                       74886.81                       74950                    12.125                  SILVER SPRING                                                   MD                          20906                         1                      2                       12/1/2006                     11/1/2021                     10/6/2006                        2/1/2007
     421.84                       37774.52                       37800                    13.125                  ALOHA                                                           OR                          97006                         1                      2                       12/1/2006                     11/1/2021                    10/19/2006                        2/1/2007
      645.1                       71132.14                       71250                    10.375                  LORTON                                                          VA                          22079                         1                      2                       11/1/2006                     10/1/2021                     9/29/2006                        2/1/2007
     259.87                       34930.86                       35000                     8.125                  WALDPORT                                                        OR                          97394                         1                      2                       12/1/2006                     11/1/2021                    10/12/2006                        2/1/2007
    1023.12                       94927.75                       95000                    12.625                  HYATTSVILLE                                                     MD                          20783                         1                      2                       12/1/2006                     11/1/2021                    10/31/2006                        2/1/2007
     851.36                       81907.33                       82000                    12.125                  FORT WASHINGTON                                                 MD                          20744                         1                      2                       11/1/2006                     10/1/2021                     9/29/2006                        2/1/2007
     543.24                       59880.13                       60000                    10.375                  CHESTER                                                         MD                          21619                         1                      2                       11/1/2006                     10/1/2021                     9/29/2006                        2/1/2007
      212.5                        24951.5                       25000                     9.625                  BATTLE GROUND                                                   WA                          98604                         1                      2                       11/1/2006                     10/1/2021                     10/2/2006                        2/1/2007
     923.52                       101804.3                      102000                    10.375                  HAPPY VALLEY                                                    OR                          97086                         1                      2                       11/1/2006                     10/1/2021                     9/27/2006                        2/1/2007
     179.49                       20641.59                       20670                     9.875                  TOBYHANNA                                                       PA                          18466                         1                      2                       12/1/2006                     11/1/2021                    10/13/2006                        2/1/2007
     861.57                       79919.13                       80000                    12.625                  KINGMAN                                                         AZ                          86409                         1                      2                       11/1/2006                     10/1/2021                     9/22/2006                        2/1/2007
     934.42                        89898.3                       90000                    12.125                  SPRINGDALE                                                      MD                          20774                         1                      2                       11/1/2006                     10/1/2021                     9/29/2006                        2/1/2007
     374.29                       44931.28                       45000                     9.375                  CANTON                                                          MI                          48187                         1                      2                       12/1/2006                     11/1/2021                    10/30/2006                        2/1/2007
     839.87                       83920.78                       84000                    11.625                  TUALATIN                                                        OR                          97062                         1                      2                       12/1/2006                     11/1/2021                     10/4/2006                        2/1/2007
     549.91                       54948.21                       55000                    11.625                  HARRISBURG                                                      PA                          17112                         1                      2                       12/1/2006                     11/1/2021                    10/23/2006                        2/1/2007
     450.49                       52923.23                       53000                     9.625                  VALLEJO                                                         CA                          94590                         1                      2                       12/1/2006                     11/1/2021                     10/4/2006                        2/1/2007
    1100.54                       105910.6                      106000                    12.125                  STOCKTON                                                        CA                          95206                         1                      2                       12/1/2006                     11/1/2021                    10/11/2006                        2/1/2007
     422.23                       42190.24                       42230                    11.625                  CHESTERFIELD                                                    MI                          48047                         1                      2                       12/1/2006                     11/1/2021                    10/13/2006                        2/1/2007
      268.5                       32946.91                       33000                     9.125                  SALEM                                                           OR                          97317                         1                      2                       12/1/2006                     11/1/2021                    10/12/2006                        2/1/2007
     519.29                       44922.94                       44950                    13.625                  LAKE HAVASU CITY                                                AZ                          86406                         1                      2                       12/1/2006                     11/1/2021                    10/23/2006                        2/1/2007
     539.91                       53797.71                       54000                    11.625                  RICHMOND                                                        VA                          23228                         1                      2                       12/1/2006                     11/1/2021                    10/10/2006                        2/1/2007
     435.93                       43558.94                       43600                    11.625                  VANCOUVER                                                       WA                          98682                         1                      2                       12/1/2006                     11/1/2021                    10/10/2006                        2/1/2007
     876.34                       85923.33                       86000                    11.875                  VALLEJO                                                         CA                          94591                         1                      2                       12/1/2006                     11/1/2021                    10/24/2006                        2/1/2007
     471.27                       48948.52                       49000                    11.125                  CROFTON                                                         MD                          21114                         1                      2                       12/1/2006                     11/1/2021                    10/17/2006                        2/1/2007
     479.09                       57512.04                       57600                     9.375                  STUARTS DRAFT                                                   VA                          24477                         1                      2                       12/1/2006                     11/1/2021                    10/30/2006                        2/1/2007
     346.24                       35962.18                       36000                    11.125                  BELGRADE                                                        MT                          59714                         1                      2                       12/1/2006                     11/1/2021                    10/25/2006                        2/1/2007
     331.81                       34463.76                       34500                    11.125                  SAINT HELENS                                                    OR                          97051                         1                      2                       12/1/2006                     11/1/2021                    10/12/2006                        2/1/2007
    1244.48                      137279.84                      137450                    10.375                  GAITHERSBURG                                                    MD                          20877                         1                      2                       12/1/2006                     11/1/2021                    10/25/2006                        2/1/2007
     371.25                       49901.21                       50000                     8.125                  NORFOLK                                                         VA                          23504                         1                      2                       12/1/2006                     11/1/2021                    10/25/2006                        2/1/2007
     362.07                        38357.4                       38400                    10.875                  GLENDALE                                                        AZ                          85302                         1                      2                       12/1/2006                     11/1/2021                    10/11/2006                        2/1/2007
     181.27                       24948.04                       25000                     7.875                  GOODYEAR                                                        AZ                          85338                         1                      2                       12/1/2006                     11/1/2021                    10/18/2006                        2/1/2007
     323.09                       29926.03                       30000                    12.625                  SHERIDAN                                                        OR                          97378                         1                      2                       12/1/2006                     11/1/2021                    10/17/2006                        2/1/2007
      518.6                       62254.79                       62350                     9.375                  CHESAPEAKE                                                      VA                          23323                         1                      2                       12/1/2006                     11/1/2021                    10/25/2006                        2/1/2007
     490.51                       50946.41                       51000                    11.125                  GRESHAM                                                         OR                          97080                         1                      2                       12/1/2006                     11/1/2021                    10/18/2006                        2/1/2007
     559.26                       47173.93                       47200                        14                  KEY WEST                                                        FL                          33040                         1                      2                       12/1/2006                     11/1/2021                    10/31/2006                        2/1/2007
    1309.82                      121146.41                      121250                    12.625                  ACCOKEEK                                                        MD                          20607                         1                      2                       12/1/2006                     11/1/2021                    10/30/2006                        2/1/2007
     499.71                       46339.76                       46400                    12.625                  PORTLAND                                                        OR                          97203                         1                      2                       12/1/2006                     11/1/2021                    10/23/2006                        2/1/2007
     931.16                      104816.24                      105000                    10.125                  LAUREL                                                          MD                          20708                         1                      2                       12/1/2006                     11/1/2021                    10/31/2006                        2/1/2007
     453.09                       40548.52                       40600                    13.125                  PORTLAND                                                        OR                          97266                         1                      2                       12/1/2006                     11/1/2021                    10/20/2006                        2/1/2007
    1086.81                      112881.28                      113000                    11.125                  LITCHFIELD PARK                                                 AZ                          85340                         1                      2                       12/1/2006                     11/1/2021                    10/27/2006                        2/1/2007
      551.1                       61421.97                       61500                     10.25                  BRISTOW                                                         VA                          20136                         1                      2                       12/1/2006                     11/1/2021                    10/31/2006                        2/1/2007
      379.9                       39438.23                       39500                    11.125                  VANCOUVER                                                       WA                          98662                         1                      2                       12/1/2006                     11/1/2021                    10/31/2006                        2/1/2007
     540.64                       64880.91                       65000                     9.375                  LAKE HAVASU CITY                                                AZ                          86406                         1                      2                       12/1/2006                     11/1/2021                    10/31/2006                        2/1/2007
     361.57                       42936.04                       43000                       9.5                  BOZEMAN                                                         MT                          59718                         1                      2                       12/1/2006                     11/1/2021                    10/31/2006                        2/1/2007
     598.86                       71888.92                       72000                     9.375                  BOWIE                                                           MD                          20721                         1                      2                       12/1/2006                     11/1/2021                    10/31/2006                        2/1/2007
     223.48                       25166.64                       25200                    10.125                  SURPRISE                                                        AZ                          85379                         1                      2                       12/1/2006                     11/1/2021                    10/31/2006                        2/1/2007
      418.4                       38820.69                       38850                    12.625                  SALEM                                                           OR                          97305                         1                      2                       12/1/2006                     11/1/2021                    10/31/2006                        2/1/2007
     252.35                        24977.1                       25000                     11.75                  PITTSBURGH                                                      PA                          15205                         1                      2                       12/1/2006                     11/1/2021                    10/31/2006                        2/1/2007
     424.99                       49927.57                       50000                     9.625                  SALEM                                                           OR                          97304                         1                      2                       12/1/2006                     11/1/2021                    10/26/2006                        2/1/2007
      283.9                       26586.29                       26600                      12.5                  DERBY                                                           KS                          67037                         1                      2                        1/1/2007                     12/1/2021                    11/14/2006                        2/1/2007
     298.86                       27572.53                       27600                      12.7                  TOLEDO                                                          OH                          43606                         1                      2                       11/1/2006                     10/1/2021                     8/30/2006                        2/1/2007
        214                       20987.56                       21000                    11.875                  DEARBORN HEIGHTS                                                MI                          48125                         1                      2                        1/1/2007                     12/1/2021                    11/15/2006                        2/1/2007
     792.94                       81687.35                       81800                    11.225                  ALBUQUERQUE                                                     NM                          87114                         1                      2                       11/1/2006                     10/1/2021                     9/13/2006                        2/1/2007
     322.32                       30184.44                       30200                      12.5                  BERKLEY                                                         MI                          48072                         1                      2                        1/1/2007                     12/1/2021                    11/20/2006                        2/1/2007
     488.81                       45764.45                       45800                      12.5                  COMMERCE TOWNSHIP                                               MI                          48390                         1                      2                       12/1/2006                     11/1/2021                    10/27/2006                        2/1/2007
     573.12                       53672.37                       53700                      12.5                  GRAIN VALLEY                                                    MO                          64029                         1                      2                        1/1/2007                     12/1/2021                    11/14/2006                        2/1/2007
      463.8                       51182.98                       51225                    10.375                  BUCKEYE                                                         AZ                          85326                         1                      2                        1/1/2007                     12/1/2021                    11/15/2006                        2/1/2007
     484.03                       44967.45                       45025                      12.6                  TAMPA                                                           FL                          33617                         1                      2                       10/1/2006                      9/1/2021                     8/30/2006                        2/1/2007
     217.19                       20339.52                       20350                      12.5                  HILLSBORO                                                       IL                          62049                         1                      2                        1/1/2007                     12/1/2021                     11/6/2006                        2/1/2007
     515.68                       51625.43                       51675                      11.6                  PORT KENT                                                       NY                          12975                         3                      2                       12/1/2006                     11/1/2021                    10/19/2006                        2/1/2007
     711.89                       71155.51                       71200                    11.625                  BOWIE                                                           MD                          20716                         1                      2                        1/1/2007                     12/1/2021                    11/16/2006                        2/1/2007
     497.16                        50234.4                       50300                    11.475                  SILVER LAKE VILLAGE                                             OH                          44224                         1                      2                       11/1/2006                     10/1/2021                     9/23/2006                        2/1/2007
      96.18                        9993.03                       10000                    11.125                  BIRMINGHAM                                                      MI                          48009                         1                      2                        1/1/2007                     12/1/2021                    11/10/2006                        2/1/2007
     272.61                       29477.08                       29500                    10.625                  LIVONIA                                                         MI                          48154                         1                      2                        1/1/2007                     12/1/2021                    11/11/2006                        2/1/2007
     236.95                          26976                       27000                        10                  YPSILANTI                                                       MI                          48197                         1                      2                        1/1/2007                     12/1/2021                    11/20/2006                        2/1/2007
     387.01                       35963.39                       36000                      12.6                  COLUMBUS                                                        OH                          43229                         1                      2                       11/1/2006                     10/1/2021                     9/18/2006                        2/1/2007
     300.97                       28084.96                       28200                      12.5                  HOUMA                                                           LA                          70364                         1                      2                        1/1/2007                     12/1/2021                     11/8/2006                        2/1/2007
     595.39                       74872.27                       75000                      8.85                  KISSIMMEE                                                       FL                          34759                         1                      2                       12/1/2006                     11/1/2021                    10/24/2006                        2/1/2007
     489.62                       47572.62                       47600                        12                  TROY                                                            MI                          48084                         1                      2                        1/1/2007                     12/1/2021                    11/15/2006                        2/1/2007
     340.55                       32772.32                       32800                    12.125                  WARREN                                                          MI                          48088                         1                      2                       12/1/2006                     11/1/2021                    10/17/2006                        2/1/2007
     206.52                       19334.97                       19350                      12.5                  SAINT CLAIR SHORES                                              MI                          48081                         1                      2                       12/1/2006                     11/1/2021                    10/25/2006                        2/1/2007
     772.03                       72961.37                       73000                    12.375                  LOUISVILLE                                                      KY                          40299                         1                      2                        1/1/2007                     12/1/2021                     11/9/2006                        2/1/2007
     348.46                        32633.2                       32650                      12.5                  WOODSVILLE                                                      NH                           3785                         4                      2                        1/1/2007                     12/1/2021                     11/7/2006                        2/1/2007
     628.54                       58932.51                       59000                    12.475                  KETCHIKAN                                                       AK                          99901                         4                      2                       12/1/2006                     11/1/2021                    10/20/2006                        2/1/2007
     742.85                       69065.22                       69100                      12.6                  JAMAICA PLAIN                                                   MA                           2130                         2                      2                        1/1/2007                     12/1/2021                    11/14/2006                        2/1/2007
     305.58                       34071.26                       34100                     10.25                  PONTIAC                                                         MI                          48340                         1                      2                        1/1/2007                     12/1/2021                     11/9/2006                        2/1/2007
     711.72                        73948.4                       74000                    11.125                  TAUNTON                                                         MA                           2780                         1                      2                        1/1/2007                     12/1/2021                     11/6/2006                        2/1/2007
     223.86                        20964.2                       20975                      12.5                  MOUNT CLEMENS                                                   MI                          48043                         1                      2                        1/1/2007                     12/1/2021                    11/17/2006                        2/1/2007
     456.79                       42760.27                       42800                      12.5                  WHEELING                                                        WV                          26003                         1                      2                       12/1/2006                     11/1/2021                    10/27/2006                        2/1/2007
      530.8                       53565.57                       53600                      11.5                  SAINT CLAIR SHORES                                              MI                          48081                         1                      2                        1/1/2007                     12/1/2021                     11/8/2006                        2/1/2007
     405.56                       37980.44                       38000                      12.5                  WATERBURY                                                       CT                           6708                         1                      2                        1/1/2007                     12/1/2021                    11/17/2006                        2/1/2007
     702.52                       76703.26                       76800                      10.5                  FLEMINGTON BOR.                                                 NJ                           8822                         1                      2                        1/1/2007                     12/1/2021                    11/11/2006                        2/1/2007
     669.63                       65062.55                       65100                        12                  HILLSBOROUGH                                                    NJ                           8876                         1                      2                        1/1/2007                     12/1/2021                     11/8/2006                        2/1/2007
     230.53                       21588.88                       21600                      12.5                  ATLANTA                                                         GA                          30318                         1                      2                        1/1/2007                     12/1/2021                     11/7/2006                        2/1/2007
      843.9                        78403.8                       78500                      12.6                  COXSACKIE                                                       NY                          12015                         1                      2                        1/1/2007                     12/1/2021                    11/11/2006                        2/1/2007
     328.96                       30583.55                       30600                      12.6                  SIOUX FALLS                                                     SD                          57110                         1                      2                        1/1/2007                     12/1/2021                     11/7/2006                        2/1/2007
     230.53                       21588.88                       21600                      12.5                  YPSILANTI                                                       MI                          48197                         1                      2                        1/1/2007                     12/1/2021                    11/10/2006                        2/1/2007
      288.8                       30302.05                       30325                        11                  LAKE ORION                                                      MI                          48362                         2                      2                        1/1/2007                     12/1/2021                    11/16/2006                        2/1/2007
    1302.06                      121936.28                      122000                      12.5                  CHELTENHAM                                                      MD                          20623                         1                      2                        1/1/2007                     12/1/2021                     11/8/2006                        2/1/2007
     438.21                       44221.57                       44250                      11.5                  OXFORD                                                          MI                          48371                         1                      2                        1/1/2007                     12/1/2021                    11/17/2006                        2/1/2007
     907.17                       84956.27                       85000                      12.5                  HOOVER                                                          AL                          35244                         1                      2                        1/1/2007                     12/1/2021                    11/13/2006                        2/1/2007
      855.4                       89935.15                       90000                    10.975                  BORING                                                          OR                          97009                         1                      2                        1/1/2007                     12/1/2021                     11/6/2006                        2/1/2007
     448.25                       41978.39                       42000                      12.5                  DETROIT                                                         MI                          48239                         1                      2                        1/1/2007                     12/1/2021                     11/8/2006                        2/1/2007
    1141.24                      117205.27                      117500                     11.25                  DOYLESTOWN                                                      PA                          18901                         1                      2                        1/1/2007                     12/1/2021                     11/9/2006                        2/1/2007
     447.86                       43921.83                       43950                    11.875                  WALL TOWNSHIP                                                   NJ                           7719                         1                      2                        1/1/2007                     12/1/2021                    11/11/2006                        2/1/2007
     124.59                       11989.88                       12000                    12.125                  DIAMONDHEAD                                                     MS                          39525                         1                      2                       12/1/2006                     11/1/2021                    10/31/2006                        2/1/2007
     130.64                       12692.68                       12700                        12                  ANN ARBOR                                                       MI                          48108                         1                      2                        1/1/2007                     12/1/2021                    11/11/2006                        2/1/2007
     811.12                       75960.89                       76000                      12.5                  GOODYEAR                                                        AZ                          85338                         1                      2                        1/1/2007                     12/1/2021                    11/17/2006                        2/1/2007
     239.94                       26478.25                       26500                    10.375                  DEARBORN                                                        MI                          48124                         1                      2                        1/1/2007                     12/1/2021                    11/17/2006                        2/1/2007
     549.65                       58954.77                       59000                    10.725                  ASBURY PARK                                                     NJ                           7712                         3                      2                        1/1/2007                     12/1/2021                    11/14/2006                        2/1/2007
     522.96                       48974.79                       49000                      12.5                  HOMESTEAD                                                       FL                          33032                         1                      2                        1/1/2007                     12/1/2021                    11/15/2006                        2/1/2007
     613.68                       57439.41                       57500                      12.5                  FREDERICKSBURG                                                  VA                          22408                         1                      2                        1/1/2007                     12/1/2021                     11/8/2006                        2/1/2007
    1139.53                      105946.66                      106000                      12.6                  DOVER                                                           DE                          19901                         1                      2                        1/1/2007                     12/1/2021                     11/7/2006                        2/1/2007
     860.26                       95919.14                       96000                     10.25                  ANCHORAGE                                                       AK                          99507                         1                      2                        1/1/2007                     12/1/2021                     11/6/2006                        2/1/2007
     182.47                       21667.71                       21700                       9.5                  AUBURN                                                          WA                          98002                         1                      2                       12/1/2006                     11/1/2021                    10/20/2006                        2/1/2007
     201.89                       19987.71                       20000                     11.75                  SNELLVILLE                                                      GA                          30039                         1                      2                        1/1/2007                     12/1/2021                     11/6/2006                        2/1/2007
     256.15                       23987.64                       24000                      12.5                  KEARNEY                                                         NE                          68847                         1                      2                        1/1/2007                     12/1/2021                    10/31/2006                        2/1/2007
     316.98                       29676.96                       29700                      12.5                  BUTTE                                                           MT                          59701                         1                      2                       12/1/2006                     11/1/2021                    10/31/2006                        2/1/2007
     896.11                        99873.1                      100000                     10.25                  PURCELLVILLE                                                    VA                          20132                         1                      2                       12/1/2006                     11/1/2021                    10/27/2006                        2/1/2007
     651.27                       74896.91                       75000                     9.875                  CODY                                                            WY                          82414                         1                      2                       12/1/2006                     11/1/2021                    10/24/2006                        2/1/2007
     377.14                       47346.65                       47400                     8.875                  PARKERSBURG                                                     WV                          26101                         1                      2                        1/1/2007                     12/1/2021                    11/14/2006                        2/1/2007
     530.45                       55660.08                       55700                        11                  DEPTFORD TWP                                                    NJ                           8096                         1                      2                        1/1/2007                     12/1/2021                     11/8/2006                        2/1/2007
     276.42                       25886.67                       25900                      12.5                  CONCORD                                                         NC                          28025                         1                      2                        1/1/2007                     12/1/2021                    11/17/2006                        2/1/2007
     176.28                       17788.55                       17800                      11.5                  BALTIMORE                                                       MD                          21239                         1                      2                        1/1/2007                     12/1/2021                    10/30/2006                        2/1/2007
     651.27                       74931.56                       75000                     9.875                  ALTO                                                            NM                          88312                         1                      2                        1/1/2007                     12/1/2021                    11/16/2006                        2/1/2007
     232.08                       27572.73                       27600                       9.5                  BALTIMORE                                                       MD                          21215                         1                      2                        1/1/2007                     12/1/2021                     11/7/2006                        2/1/2007
     719.25                       69878.56                       77050                     10.75                  LAFAYETTE                                                       LA                          70501                         1                      2                        1/1/2007                     12/1/2021                     11/9/2006                        2/1/2007
     280.69                       26240.37                       26300                      12.5                  HOWELL                                                          MI                          48855                         1                      2                       12/1/2006                     11/1/2021                    10/23/2006                        2/1/2007
      234.8                       21988.68                       22000                      12.5                  HARPER WOODS                                                    MI                          48225                         1                      2                        1/1/2007                     12/1/2021                     11/6/2006                        2/1/2007
     228.69                       24980.03                       25000                      10.5                  YPSILANTI                                                       MI                          48198                         1                      2                        1/1/2007                     12/1/2021                    11/11/2006                        2/1/2007
     946.15                       92719.45                       92850                    11.875                  MACOMB TOWNSHIP                                                 MI                          48044                         1                      2                       12/1/2006                     11/1/2021                    10/27/2006                        2/1/2007
     802.58                        75161.3                       75200                      12.5                  MARTINSBURG                                                     WV                          25405                         1                      2                        1/1/2007                     12/1/2021                    10/30/2006                        2/1/2007
     170.75                       16560.91                       16600                        12                  CALABASH                                                        NC                          28467                         1                      2                        1/1/2007                     12/1/2021                     11/9/2006                        2/1/2007
      596.6                        57963.2                       58000                        12                  ROCHESTER                                                       MI                          48309                         1                      2                        1/1/2007                     12/1/2021                     11/9/2006                        2/1/2007
     707.17                       74916.81                       75000                    10.875                  HARRINGTON PARK                                                 NJ                           7640                         1                      2                       12/1/2006                     11/1/2021                    10/23/2006                        2/1/2007
     150.06                       15279.86                       15300                    11.375                  TAYLOR                                                          MI                          48180                         1                      2                        1/1/2007                     12/1/2021                    10/28/2006                        2/1/2007
     749.88                       74929.37                       75000                    11.625                  ATLANTA                                                         GA                          30306                         2                      2                       12/1/2006                     11/1/2021                    10/24/2006                        2/1/2007
     269.84                       25735.65                       25750                     12.25                  BELVIDERE                                                       IL                          61008                         1                      2                        1/1/2007                     12/1/2021                    11/16/2006                        2/1/2007
     147.56                       14783.63                       14900                      11.5                  NOVI                                                            MI                          48167                         1                      2                       12/1/2006                     11/1/2021                    10/24/2006                        2/1/2007
      296.7                       27785.69                       27800                      12.5                  DETROIT                                                         MI                          48221                         1                      2                        1/1/2007                     12/1/2021                     11/8/2006                        2/1/2007
     212.78                       23480.71                       23500                    10.375                  SOUTHGATE                                                       MI                          48195                         1                      2                        1/1/2007                     12/1/2021                    11/14/2006                        2/1/2007
     515.67                       51542.77                       51575                    11.625                  LITHONIA                                                        GA                          30058                         1                      2                        1/1/2007                     12/1/2021                     11/6/2006                        2/1/2007
      626.9                       62660.73                       62700                    11.625                  ABERDEEN                                                        MD                          21001                         1                      2                        1/1/2007                     12/1/2021                     11/7/2006                        2/1/2007
     339.36                       41207.05                       41250                      9.25                  WESLEY CHAPEL                                                   FL                          33543                         1                      2                        1/1/2007                     12/1/2021                     11/7/2006                        2/1/2007
     484.75                       48918.55                       48950                      11.5                  OWASSO                                                          OK                          74055                         1                      2                        1/1/2007                     12/1/2021                     11/8/2006                        2/1/2007
    1121.31                      107939.58                      108000                    12.125                  CLIFFSIDE PARK                                                  NJ                           7010                         1                      2                        1/1/2007                     12/1/2021                     11/8/2006                        2/1/2007
     336.19                       31475.56                       31500                      12.5                  TROY                                                            MI                          48084                         1                      2                       12/1/2006                     11/1/2021                    10/26/2006                        2/1/2007
    1034.18                       96824.82                       96900                      12.5                  PALM BAY                                                        FL                          32909                         1                      2                       12/1/2006                     11/1/2021                    10/31/2006                        2/1/2007
     106.73                        9994.85                       10000                      12.5                  TAMARAC                                                         FL                          33321                         1                      2                        1/1/2007                     12/1/2021                    10/30/2006                        2/1/2007
     914.74                       99879.73                      100000                      10.5                  NEWPORT                                                         RI                           2840                         1                      2                       12/1/2006                     11/1/2021                    10/26/2006                        2/1/2007
     202.46                       19489.09                       19500                    12.125                  OAK PARK                                                        MI                          48237                         1                      2                        1/1/2007                     12/1/2021                     11/8/2006                        2/1/2007
     654.23                       61268.46                       61300                      12.5                  PATTERSON                                                       NY                          10509                         1                      2                        1/1/2007                     12/1/2021                    11/15/2006                        2/1/2007
     229.47                       21488.92                       21500                      12.5                  ROSEVILLE                                                       MI                          48066                         1                      2                        1/1/2007                     12/1/2021                    11/11/2006                        2/1/2007
     337.26                       31582.99                       31600                      12.5                  CHESTERFIELD TOWNSHIP                                           MI                          48051                         1                      2                        1/1/2007                     12/1/2021                     11/7/2006                        2/1/2007
        169                        17388.2                       17400                     11.25                  SAINT LOUIS                                                     MO                          63121                         1                      2                        1/1/2007                     12/1/2021                    11/14/2006                        2/1/2007
    1179.32                      110443.15                      110500                      12.5                  DAVENPORT                                                       FL                          33896                         1                      2                        1/1/2007                     12/1/2021                    11/13/2006                        2/1/2007
     516.16                       57551.47                       57600                     10.25                  CHESTERFIELD TOWNSHIP                                           MI                          48047                         1                      2                        1/1/2007                     12/1/2021                    11/13/2006                        2/1/2007
     700.12                        74914.5                       75000                     10.75                  MORRIS TOWNSHIP                                                 NJ                           7960                         1                      2                       12/1/2006                     11/1/2021                    10/25/2006                        2/1/2007
     430.13                       47939.53                       48000                     10.25                  WESTBURY                                                        NY                          11590                         1                      2                        1/1/2007                     12/1/2021                    11/11/2006                        2/1/2007
     594.59                       64947.68                       65000                      10.5                  PORT SAINT LUCIE                                                FL                          34986                         1                      2                        1/1/2007                     12/1/2021                    11/11/2006                        2/1/2007
     489.88                       45876.37                       45900                      12.5                  LEWISTON                                                        MI                          49756                         1                      2                        1/1/2007                     12/1/2021                     11/8/2006                        2/1/2007
     608.36                       72242.39                       72350                       9.5                  CHESAPEAKE                                                      VA                          23323                         1                      2                       12/1/2006                     11/1/2021                    10/25/2006                        2/1/2007
     113.15                       11986.58                       12000                    10.875                  DETROIT                                                         MI                          48213                         2                      2                       12/1/2006                     11/1/2021                    10/31/2006                        2/1/2007
     554.98                       51973.24                       52000                      12.5                  PHOENIX                                                         AZ                          85032                         1                      2                        1/1/2007                     12/1/2021                     11/9/2006                        2/1/2007
     657.64                       70396.71                       70450                     10.75                  MILTON                                                          FL                          32570                         1                      2                        1/1/2007                     12/1/2021                     11/8/2006                        2/1/2007
     308.59                       29982.73                       30000                        12                  FERNDALE                                                        MI                          48220                         1                      2                        1/1/2007                     12/1/2021                    11/15/2006                        2/1/2007
     212.92                       21456.82                       21500                      11.5                  ROSEVILLE                                                       MI                          48066                         1                      2                        1/1/2007                     12/1/2021                    10/31/2006                        2/1/2007
     576.69                        74908.8                       75000                       8.5                  UPPER MOUNT BETHEL TWP.                                         PA                          18343                         1                      2                        1/1/2007                     12/1/2021                    10/28/2006                        2/1/2007
     363.39                       35959.77                       36000                     11.75                  MILFORD                                                         MI                          48381                         1                      2                        1/1/2007                     12/1/2021                    11/11/2006                        2/1/2007
     643.69                       64901.41                       65000                      11.5                  SANDOWN                                                         NH                           3873                         1                      2                        1/1/2007                     12/1/2021                     11/8/2006                        2/1/2007
     606.47                       56795.71                       56825                      12.5                  LAKE MARY                                                       FL                          32746                         1                      2                        1/1/2007                     12/1/2021                     11/9/2006                        2/1/2007
     434.18                       49931.27                       50000                     9.875                  VIOLA                                                           DE                          19979                         1                      2                       12/1/2006                     11/1/2021                     11/6/2006                        2/1/2007
     340.29                       37170.29                       37200                      10.5                  NEWPORT NEWS                                                    VA                          23608                         1                      2                        1/1/2007                     12/1/2021                    11/15/2006                        2/1/2007
     907.17                       84956.27                       85000                      12.5                  BRONX                                                           NY                          10464                         1                      2                        1/1/2007                     12/1/2021                     11/4/2006                        2/1/2007
     677.88                       78826.06                       78900                      9.75                  NAPLES                                                          FL                          34116                         1                      2                        1/1/2007                     12/1/2021                    11/10/2006                        2/1/2007
     508.75                       54437.89                       54500                     10.75                  SOUTHERN SHORES                                                 NC                          27949                         1                      2                       12/1/2006                     11/1/2021                    10/26/2006                        2/1/2007
     174.43                       16790.59                       16800                    12.125                  DETROIT                                                         MI                          48234                         1                      2                        1/1/2007                     12/1/2021                    11/11/2006                        2/1/2007
    1261.77                      124919.74                      125000                     11.75                  UNIVERSITY PLACE                                                WA                          98467                         1                      2                        1/1/2007                     12/1/2021                     11/7/2006                        2/1/2007
    1198.33                      137806.96                      138000                     9.875                  CHULA VISTA                                                     CA                          91910                         1                      2                       12/1/2006                     11/1/2021                     11/6/2006                        2/1/2007
     521.01                       59945.26                       60000                     9.875                  COARSEGOLD                                                      CA                          93614                         1                      2                        1/1/2007                     12/1/2021                    11/10/2006                        2/1/2007
     394.89                       36980.96                       37000                      12.5                  HAMPTON                                                         GA                          30228                         1                      2                        1/1/2007                     12/1/2021                     11/7/2006                        2/1/2007
      282.8                       33965.52                       34000                     9.375                  STRATFORD                                                       CT                           6615                         1                      2                        1/1/2007                     12/1/2021                    10/31/2006                        2/1/2007
     230.15                       22786.13                       22800                     11.75                  DETROIT                                                         MI                          48235                         1                      2                        1/1/2007                     12/1/2021                     11/4/2006                        2/1/2007
      942.9                       99926.37                      100000                    10.875                  PLEASANT HILL                                                   CA                          94523                         1                      2                        1/1/2007                     12/1/2021                    10/31/2006                        2/1/2007
     629.69                       58969.31                       59000                      12.5                  OWOSSO                                                          MI                          48867                         1                      2                        1/1/2007                     12/1/2021                     11/8/2006                        2/1/2007
     149.42                       13992.79                       14000                      12.5                  ECORSE                                                          MI                          48229                         1                      2                        1/1/2007                     12/1/2021                    11/14/2006                        2/1/2007
     720.03                       69959.74                       70000                        12                  PASADENA                                                        MD                          21122                         1                      2                        1/1/2007                     12/1/2021                    11/15/2006                        2/1/2007
     254.01                       23786.76                       23800                      12.5                  EASTPOINTE                                                      MI                          48021                         1                      2                        1/1/2007                     12/1/2021                    11/10/2006                        2/1/2007
     239.07                       22388.46                       22400                      12.5                  MONTGOMERY                                                      AL                          36117                         1                      2                        1/1/2007                     12/1/2021                     11/8/2006                        2/1/2007
     934.92                       87508.18                       87600                      12.5                  STOWE                                                           VT                           5672                         1                      2                        1/1/2007                     12/1/2021                    11/15/2006                        2/1/2007
        765                        89913.4                       90000                     9.625                  SPOTSYLVANIA                                                    VA                          22553                         1                      2                        1/1/2007                     12/1/2021                    11/10/2006                        2/1/2007
     197.27                       18989.37                       19000                    12.125                  BATON ROUGE                                                     LA                          70812                         1                      2                        1/1/2007                     12/1/2021                    11/17/2006                        2/1/2007
     746.02                       69863.05                       69900                      12.5                  GREENWOOD                                                       IN                          46143                         1                      2                        1/1/2007                     12/1/2021                    11/13/2006                        2/1/2007
     424.77                       39779.52                       39800                      12.5                  MACOMB                                                          MI                          48044                         1                      2                        1/1/2007                     12/1/2021                    11/10/2006                        2/1/2007
     336.35                       39960.48                       40000                       9.5                  BYRON CENTER                                                    MI                          49315                         1                      2                        1/1/2007                     12/1/2021                    11/17/2006                        2/1/2007
        794                        86730.7                       86800                      10.5                  MILTON                                                          VT                           5468                         1                      2                        1/1/2007                     12/1/2021                    11/17/2006                        2/1/2007
     233.24                       22661.96                       22675                        12                  HILLSVILLE                                                      VA                          24343                         1                      2                        1/1/2007                     12/1/2021                    11/16/2006                        2/1/2007
      648.9                        60768.7                       60800                      12.5                  EASTON                                                          PA                          18040                         1                      2                        1/1/2007                     12/1/2021                    11/14/2006                        2/1/2007
     640.36                       59969.12                       60000                      12.5                  DETROIT                                                         MI                          48221                         1                      2                        1/1/2007                     12/1/2021                    11/10/2006                        2/1/2007
     216.66                       20289.54                       20300                      12.5                  ROSEVILLE                                                       MI                          48066                         1                      2                        1/1/2007                     12/1/2021                     11/7/2006                        2/1/2007
     256.15                       23987.64                       24000                      12.5                  PENNSVILLE TWP.                                                 NJ                           8070                         1                      2                        1/1/2007                     12/1/2021                     11/9/2006                        2/1/2007
     413.03                       38680.09                       38700                      12.5                  WENTZVILE                                                       MO                          63385                         1                      2                        1/1/2007                     12/1/2021                    11/10/2006                        2/1/2007
     200.59                       23058.14                       23100                     9.875                  STERLING HEIGHTS                                                MI                          48310                         1                      2                       12/1/2006                     11/1/2021                     11/6/2006                        2/1/2007
     133.41                       12493.57                       12500                      12.5                  DETROIT                                                         MI                          48205                         1                      2                        1/1/2007                     12/1/2021                    11/10/2006                        2/1/2007
     525.81                       51569.48                       51600                    11.875                  COMMERCE TOWNSHIP                                               MI                          48382                         1                      2                        1/1/2007                     12/1/2021                    11/11/2006                        2/1/2007
      155.3                       19046.17                       19300                         9                  HALETHORPE                                                      MD                          21227                         1                      2                        1/1/2007                     12/1/2021                    11/13/2006                        2/1/2007
     466.98                       49987.15                       50025                     10.75                  MARGATE                                                         FL                          33063                         1                      2                        1/1/2007                     12/1/2021                    11/17/2006                        2/1/2007
     362.45                       36576.49                       36600                      11.5                  WARREN                                                          MI                          48091                         1                      2                        1/1/2007                     12/1/2021                    11/15/2006                        2/1/2007
     319.12                       29883.71                       29900                      12.5                  MONROE                                                          MI                          48162                         1                      2                        1/1/2007                     12/1/2021                    11/10/2006                        2/1/2007
     564.77                       55915.98                       55950                     11.75                  RESTON                                                          VA                          20191                         1                      2                        1/1/2007                     12/1/2021                    11/14/2006                        2/1/2007
    1231.62                      115340.62                      115400                      12.5                  HAYMARKET                                                       VA                          20169                         1                      2                        1/1/2007                     12/1/2021                     11/9/2006                        2/1/2007
     272.96                       25561.79                       25575                      12.5                  KEARNEY                                                         NE                          68845                         1                      2                        1/1/2007                     12/1/2021                    11/17/2006                        2/1/2007
     925.76                       89948.22                       90000                        12                  INDEPENDENCE TOWNSHIP                                           MI                          48346                         1                      2                        1/1/2007                     12/1/2021                    11/13/2006                        2/1/2007
     670.24                       62767.69                       62800                      12.5                  MC DONALD                                                       PA                          15057                         1                      2                        1/1/2007                     12/1/2021                    11/17/2006                        2/1/2007
     411.45                       39976.99                       40000                        12                  DELTONA                                                         FL                          32725                         1                      2                        1/1/2007                     12/1/2021                     11/6/2006                        2/1/2007
     222.15                        21787.1                       21800                    11.875                  STREATOR                                                        IL                          61364                         1                      2                        1/1/2007                     12/1/2021                    11/15/2006                        2/1/2007
     327.94                       38816.78                       39000                       9.5                  BAKERSFIELD                                                     CA                          93309                         1                      2                        1/1/2007                     12/1/2021                    11/11/2006                        2/1/2007
     256.15                       23987.64                       24000                      12.5                  FELTON                                                          PA                          17322                         1                      2                        1/1/2007                     12/1/2021                    11/11/2006                        2/1/2007
      134.6                       15485.84                       15500                     9.875                  SAINT JOHNSBURY                                                 VT                           5819                         3                      2                        1/1/2007                     12/1/2021                     11/8/2006                        2/1/2007
     754.32                       79941.09                       80000                    10.875                  TEHACHAPI                                                       CA                          93561                         1                      2                        1/1/2007                     12/1/2021                    11/10/2006                        2/1/2007
     185.16                       17989.63                       18000                        12                  BOISE                                                           ID                          83704                         1                      2                        1/1/2007                     12/1/2021                    11/13/2006                        2/1/2007
     377.81                       35381.79                       35400                      12.5                  MARIETTA                                                        GA                          30064                         1                      2                        1/1/2007                     12/1/2021                    11/14/2006                        2/1/2007
    1019.01                       99940.85                      100000                    11.875                  KAILUA KONA                                                     HI                          96740                         1                      2                        1/1/2007                     12/1/2021                    11/13/2006                        2/1/2007
     714.25                       74946.25                       75000                        11                  ASHEVILLE                                                       NC                          28804                         1                      2                        1/1/2007                     12/1/2021                    11/14/2006                        2/1/2007
     307.77                       31977.69                       32000                    11.125                  PALM BAY                                                        FL                          32905                         1                      2                        1/1/2007                     12/1/2021                     11/8/2006                        2/1/2007
     480.27                       44975.37                       45000                      12.5                  POCONO SUMMIT                                                   PA                          18346                         1                      2                        1/1/2007                     12/1/2021                    11/11/2006                        2/1/2007
     267.35                       25735.59                       25750                    12.125                  ROBERTSDALE                                                     AL                          36567                         1                      2                        1/1/2007                     12/1/2021                    11/10/2006                        2/1/2007
     707.17                       74944.79                       75000                    10.875                  ELK GROVE VILLAGE                                               IL                          60007                         1                      2                        1/1/2007                     12/1/2021                    11/18/2006                        2/1/2007
     421.17                       46960.41                       47000                     10.25                  ORION TWP.                                                      MI                          48362                         1                      2                        1/1/2007                     12/1/2021                    11/13/2006                        2/1/2007
     815.18                       79204.41                       79250                        12                  TERRE HAUTE                                                     IN                          47802                         1                      2                        1/1/2007                     12/1/2021                    11/11/2006                        2/1/2007
     649.96                       61991.25                       62025                     12.25                  SOUTH LYON                                                      MI                          48178                         1                      2                        1/1/2007                     12/1/2021                    11/10/2006                        2/1/2007
     155.74                        14991.6                       15000                    12.125                  GLENCOE                                                         AL                          35905                         1                      2                        1/1/2007                     12/1/2021                     11/4/2006                        2/1/2007
     747.09                       69963.97                       70000                      12.5                  SMYRNA                                                          GA                          30080                         1                      2                        1/1/2007                     12/1/2021                    11/10/2006                        2/1/2007
     624.35                        58469.9                       58500                      12.5                  SNELLVILLE                                                      GA                          30078                         1                      2                        1/1/2007                     12/1/2021                    11/15/2006                        2/1/2007
     234.73                       22387.81                       22400                     12.25                  GRAND JUNCTION                                                  CO                          81504                         1                      2                        1/1/2007                     12/1/2021                    11/17/2006                        2/1/2007
     565.59                       67931.05                       68000                     9.375                  FERNLEY                                                         NV                          89408                         1                      2                        1/1/2007                     12/1/2021                    11/14/2006                        2/1/2007
     387.23                       37957.96                       38000                    11.875                  CANTON                                                          MI                          48188                         1                      2                        1/1/2007                     12/1/2021                    11/10/2006                        2/1/2007
     207.44                       21981.24                       22000                    10.875                  FOSTORIA                                                        MI                          48435                         1                      2                        1/1/2007                     12/1/2021                    11/16/2006                        2/1/2007
     426.45                       52941.88                       53000                         9                  COMMERCE TOWNSHIP                                               MI                          48382                         1                      2                        1/1/2007                     12/1/2021                    11/14/2006                        2/1/2007
     343.27                       34976.89                       35000                    11.375                  FORT MYERS                                                      FL                          33901                         1                      2                        1/1/2007                     12/1/2021                    11/16/2006                        2/1/2007
    1237.87                      124919.71                      125000                      11.5                  APPLETON                                                        CO                          81505                         1                      2                        1/1/2007                     12/1/2021                    11/16/2006                        2/1/2007
     557.84                       57959.55                       58000                    11.125                  WOODRIDGE                                                       IL                          60517                         1                      2                        1/1/2007                     12/1/2021                    11/15/2006                        2/1/2007
     382.15                       49609.03                       49700                       8.5                  BUDA                                                            TX                          78610                         1                      2                       12/1/2006                     11/1/2021                    10/31/2006                        2/1/2007
     250.84                       22981.45                       23000                        13                  POMPANO BEACH                                                   FL                          33064                         1                      2                       11/1/2006                     10/1/2021                     9/29/2006                        2/1/2007
     324.35                       34348.91                       34400                    10.875                  ROUND LAKE                                                      IL                          60073                         1                      2                       11/1/2006                     10/1/2021                     9/29/2006                        2/1/2007
     248.81                       27156.19                       27200                      10.5                  KATY                                                            TX                          77449                         1                      2                       11/1/2006                     10/1/2021                     9/29/2006                        2/1/2007
     443.16                       46935.06                       47000                        11                  STEPHENS CITY                                                   VA                          22655                         1                      2                       11/1/2006                     10/1/2021                     9/29/2006                        2/1/2007
     475.32                       48870.95                       48938                     11.25                  GAITHERSBURG                                                    MD                          20879                         1                      2                       11/1/2006                     10/1/2021                     9/18/2006                        2/1/2007
     227.98                       25951.35                       26000                       9.9                  TRENTON                                                         OH                          45067                         1                      2                       11/1/2006                     10/1/2021                     9/28/2006                        2/1/2007
     442.48                       46450.07                       46500                        11                  WYLIE                                                           TX                          75098                         1                      2                       12/1/2006                     11/1/2021                    10/20/2006                        2/1/2007
     862.26                       91784.25                       92000                      10.8                  ONTARIO                                                         CA                          91762                         1                      2                       11/1/2006                     10/1/2021                     9/25/2006                        2/1/2007
     320.04                       36434.48                       36500                      9.99                  MISSOURI CITY                                                   TX                          77459                         1                      2                       11/1/2006                     10/1/2021                     9/22/2006                        2/1/2007
     394.86                       35974.35                       36000                     12.88                  CASA GRANDE                                                     AZ                          85222                         1                      2                       12/1/2006                     11/1/2021                    10/20/2006                        2/1/2007
     308.71                          40822                       40900                       8.3                  PFLUGERVILLE                                                    TX                          78660                         1                      2                       12/1/2006                     11/1/2021                    10/13/2006                        2/1/2007
     294.62                       33539.65                       33600                      9.99                  DALLAS                                                          TX                          75236                         1                      2                       11/1/2006                     10/1/2021                     9/29/2006                        2/1/2007
     361.36                          34970                       35000                     12.05                  GOLDEN VALLEY                                                   AZ                          86413                         1                      2                       12/1/2006                     11/1/2021                    10/27/2006                        2/1/2007
     406.71                       40561.98                       40600                     11.65                  ATTLEBORO                                                       MA                           2703                         1                      2                       12/1/2006                     11/1/2036                    10/13/2006                        2/1/2007
     390.19                       44420.57                       44500                        10                  QUEEN CREEK                                                     AZ                          85243                         1                      2                       12/1/2006                     11/1/2021                    10/23/2006                        2/1/2007
    1335.83                      136780.19                      137000                        11                  CHICAGO                                                         IL                          60618                         1                      2                       11/1/2006                     10/1/2021                     9/22/2006                        2/1/2007
     845.94                       88771.19                       88900                     10.99                  TOWNSEND                                                        DE                          19734                         1                      2                       11/1/2006                     10/1/2021                     9/19/2006                        2/1/2007
     223.31                       20977.92                       21000                     12.45                  CALUMET CITY                                                    IL                          60409                         1                      2                       11/1/2006                     10/1/2021                     9/25/2006                        2/1/2007
     377.16                       39940.56                       40000                    10.875                  NORTH LAUDERDALE                                                FL                          33068                         1                      2                       11/1/2006                     10/1/2021                     9/15/2006                        2/1/2007
     357.92                       38952.64                       39000                        11                  MINNEAPOLIS                                                     MN                          55411                         1                      2                       11/1/2006                     10/1/2021                     9/27/2006                        2/1/2007
     199.04                       22669.56                       22700                      9.99                  DALLAS                                                          GA                          30132                         1                      2                       12/1/2006                     11/1/2021                    10/23/2006                        2/1/2007
     394.86                       46906.22                       47000                      9.49                  BUDA                                                            TX                          78610                         1                      2                       11/1/2006                     10/1/2021                     9/27/2006                        2/1/2007
     394.57                       44960.32                       45000                        10                  BUDA                                                            TX                          78610                         1                      2                        1/1/2007                     12/1/2021                    11/10/2006                        2/1/2007
     550.65                       62715.78                       62800                      9.99                  LEANDER                                                         TX                          78641                         1                      2                       12/1/2006                     11/1/2021                    10/13/2006                        2/1/2007
     418.69                        43952.4                       44000                     10.99                  WYLIE                                                           TX                          75098                         1                      2                       12/1/2006                     11/1/2021                    10/30/2006                        2/1/2007
      446.2                       49099.06                       49180                      10.4                  ST. PAUL                                                        MN                          55118                         1                      2                       11/1/2006                     10/1/2021                      9/8/2006                        2/1/2007
     711.79                        72926.2                       73000                      11.3                  ANAHEIM                                                         CA                          92804                         1                      2                       12/1/2006                     11/1/2021                    10/19/2006                        2/1/2007
     601.39                       63108.42                       63200                     10.99                  COLLEGE PARK                                                    GA                          30349                         1                      2                       11/1/2006                     10/1/2021                     9/15/2006                        2/1/2007
      399.1                       36365.21                       36400                    12.875                  FORT MYERS                                                      FL                          33908                         1                      2                       11/1/2006                     10/1/2021                      9/6/2006                        2/1/2007
     240.87                        23173.8                       23200                    12.125                  WYOMING                                                         MI                          49519                         1                      2                       11/1/2006                     10/1/2021                     9/22/2006                        2/1/2007
     375.58                       34474.41                       34500                    12.775                  OCOEE                                                           FL                          34787                         1                      2                       12/1/2006                     11/1/2021                    10/26/2006                        2/1/2007
     1827.4                      209615.68                      210000                       9.9                  LAKE FOREST                                                     IL                          60045                         1                      2                       11/1/2006                     10/1/2021                     9/22/2006                        2/1/2007
        782                       80118.89                       80200                      11.3                  FT. LAUDERDALE                                                  FL                          33315                         1                      2                       12/1/2006                     11/1/2021                    10/31/2006                        2/1/2007
     687.03                        72121.9                       72200                     10.99                  CASA GRANDE                                                     AZ                          85222                         1                      2                       12/1/2006                     11/1/2021                    10/25/2006                        2/1/2007
        483                       52516.14                       52600                    10.547                  LITTLE CANADA                                                   MN                          55109                         1                      2                       11/1/2006                     10/1/2021                     9/29/2006                        2/1/2007
     333.87                       36938.25                       37000                    10.334                  FRIDLEY                                                         MN                          55432                         1                      2                       11/1/2006                     10/1/2021                     10/5/2006                        2/1/2007
      534.6                       49961.43                       50000                    12.525                  KISSIMMEE                                                       FL                          34744                         1                      2                       12/1/2006                     11/1/2021                    10/31/2006                        2/1/2007
     714.18                       76114.09                       76200                      10.8                  COACHELLA                                                       CA                          92236                         1                      2                       12/1/2006                     11/1/2021                    10/13/2006                        2/1/2007
     305.99                       29167.88                       29200                     12.25                  BIXBY                                                           OK                          74008                         1                      2                       11/1/2006                     10/1/2021                     10/6/2006                        2/1/2007
     241.68                       22383.18                       22400                     12.65                  DALLAS                                                          TX                          75235                         1                      2                       12/1/2006                     11/1/2021                    10/11/2006                        2/1/2007
      274.5                       35142.23                       35700                       8.5                  CHICAGO                                                         IL                          60630                         1                      2                       11/1/2006                     10/1/2021                     9/23/2006                        2/1/2007
     663.76                          73547                       75700                        10                  QUEEN CREEK                                                     AZ                          85243                         1                      2                       11/1/2006                     10/1/2021                     9/22/2006                        2/1/2007
     191.15                       21760.85                       21800                      9.99                  INDIANAPOILIS                                                   IN                          46221                         1                      2                       11/1/2006                     10/1/2021                     10/2/2006                        2/1/2007
     469.98                       53503.76                       53600                      9.99                  STOCKBRIDGE                                                     GA                          30281                         1                      2                       11/1/2006                     10/1/2021                     9/20/2006                        2/1/2007
     546.88                       57913.82                       58000                    10.875                  POTTSBORO                                                       TX                          75076                         1                      2                       11/1/2006                     10/1/2021                     10/3/2006                        2/1/2007
     468.54                       45925.07                       45980                    11.875                  TAMARAC                                                         FL                          33321                         1                      2                       11/1/2006                     10/1/2021                     9/22/2006                        2/1/2007
     352.22                       34469.41                       34500                      11.9                  CASA GRANDE                                                     AZ                          85222                         1                      2                       12/1/2006                     11/1/2021                    10/23/2006                        2/1/2007
     316.04                       34146.39                       34200                    10.625                  RICHMOND                                                        TX                          77406                         1                      2                       11/1/2006                     10/1/2021                     10/3/2006                        2/1/2007
     474.42                       46956.95                       47000                     11.75                  TEMPE                                                           AZ                          85281                         1                      2                       12/1/2006                     11/1/2021                    10/11/2006                        2/1/2007
     524.89                       51952.37                       52000                     11.75                  TEMPE                                                           AZ                          85281                         1                      2                       12/1/2006                     11/1/2021                    10/19/2006                        2/1/2007
    1381.77                      128934.37                      129000                     12.55                  MILTON                                                          MA                           2186                         1                      2                        1/1/2007                     12/1/2036                     11/6/2006                        2/1/2007
     269.73                       24576.46                       24600                    12.875                  SPRING                                                          TX                          77379                         1                      2                       11/1/2006                     10/1/2021                     9/28/2006                        2/1/2007
     327.94                       37332.84                       37400                      9.99                  RICHARDSON                                                      TX                          75081                         1                      2                       11/1/2006                     10/1/2021                     9/25/2006                        2/1/2007
     777.08                       69935.64                       70000                     13.05                  MIAMI                                                           FL                          33157                         1                      2                       11/1/2006                     10/1/2021                     9/29/2006                        2/1/2007
     550.77                       59884.37                       59980                    10.547                  CHASKA                                                          MN                          55318                         1                      2                       11/1/2006                     10/1/2021                      9/7/2006                        2/1/2007
     920.67                      104859.21                      105000                      9.99                  KEY WEST                                                        FL                          33040                         1                      2                       12/1/2006                     11/1/2021                    10/27/2006                        2/1/2007
     233.37                       24976.71                       25000                        11                  EUCLID                                                          OH                          44123                         1                      2                       12/1/2006                     11/1/2021                    10/25/2006                        2/1/2007
     384.27                       40953.77                       41000                      10.8                  PHOENIX                                                         AZ                          85032                         1                      2                       12/1/2006                     11/1/2021                    10/10/2006                        2/1/2007
     627.95                       66924.48                       67000                      10.8                  MIAMI                                                           FL                          33173                         1                      2                       12/1/2006                     11/1/2021                    10/24/2006                        2/1/2007
     479.63                        54651.3                       54700                      9.99                  TOLLESON                                                        AZ                          85353                         1                      2                        1/1/2007                     12/1/2021                     11/1/2006                        2/1/2007
     516.45                       58786.91                       58900                      9.99                  SAN ANTONIO                                                     TX                          78261                         1                      2                       12/1/2006                     11/1/2021                    10/26/2006                        2/1/2007
     405.56                       37970.51                       38000                      12.5                  JOLIET                                                          IL                          60431                         1                      2                       12/1/2006                     11/1/2021                    10/12/2006                        2/1/2007
     592.33                       54958.52                       55000                    12.625                  FT. LAUDERDALE                                                  FL                          33311                         1                      2                       12/1/2006                     11/1/2021                    10/17/2006                        2/1/2007
     416.28                       37952.88                       37980                     12.87                  EAST HARTFORD                                                   CT                           6118                         1                      2                       12/1/2006                     11/1/2021                    10/27/2006                        2/1/2007
     353.36                       40264.13                       40300                      9.99                  LIVE OAK                                                        TX                          78233                         1                      2                        1/1/2007                     12/1/2021                     11/9/2006                        2/1/2007
     490.51                       50928.22                       51000                    11.125                  ADDISON                                                         IL                          60101                         1                      2                       11/1/2006                     10/1/2021                     9/25/2006                        2/1/2007
     482.26                       54901.24                       55000                      9.99                  TOLLESON                                                        AZ                          85353                         1                      2                       11/1/2006                     10/1/2021                     9/28/2006                        2/1/2007
      836.3                       80309.64                       80400                     12.15                  TAMARAC                                                         FL                          33319                         1                      2                       11/1/2006                     10/1/2021                     9/28/2006                        2/1/2007
     553.89                       60675.73                       60800                     10.45                  CHICAGO                                                         IL                          60638                         1                      2                       10/1/2006                      9/1/2021                     8/31/2006                        2/1/2007
     965.36                      102883.88                      103000                      10.8                  ALLEN                                                           TX                          75002                         1                      2                       12/1/2006                     11/1/2021                    10/24/2006                        2/1/2007
     248.14                        28249.2                       28300                      9.99                  LEANDER                                                         TX                          78641                         1                      2                       11/1/2006                     10/1/2021                     9/18/2006                        2/1/2007
    1236.16                      121889.45                      122000                      11.8                  INGLEWOOD                                                       CA                          90305                         1                      2                       12/1/2006                     11/1/2021                     10/3/2006                        2/1/2007
     954.87                       92791.82                       92900                     11.99                  WINDERMERE                                                      FL                          34786                         1                      2                       11/1/2006                     10/1/2021                      9/6/2006                        2/1/2007
     182.89                       18419.89                       18540                     11.45                  WILLOWICK                                                       OH                          44095                         1                      2                       11/1/2006                     10/1/2021                     9/14/2006                        2/1/2007
     764.25                       74836.73                       75000                    11.875                  ROCKFORD                                                        MI                          49341                         1                      2                       10/1/2006                      9/1/2021                     8/30/2006                        2/1/2007
     308.65                       35136.78                       35200                      9.99                  SAN ANTONIO                                                     TX                          78250                         1                      2                       11/1/2006                     10/1/2021                     9/28/2006                        2/1/2007
     784.63                       76884.49                       77000                    11.875                  MIAMI                                                           FL                          33161                         1                      2                       10/1/2006                      9/1/2021                      9/1/2006                        2/1/2007
      264.8                       30145.79                       30200                      9.99                  CYPRESS                                                         TX                          77429                         1                      2                       11/1/2006                     10/1/2021                     9/25/2006                        2/1/2007
     274.48                       25009.03                       25033                    12.875                  SPRING                                                          TX                          77373                         1                      2                       11/1/2006                     10/1/2021                     9/28/2006                        2/1/2007
     594.73                       62432.38                       62500                     10.99                  LAVEEN                                                          AZ                          85339                         1                      2                       12/1/2006                     11/1/2021                     10/9/2006                        2/1/2007
     355.86                       36831.78                       37000                    11.125                  BERWYN                                                          IL                          60402                         1                      2                       10/1/2006                      9/1/2021                     8/25/2006                        2/1/2007
      254.4                       23731.77                       23750                     12.55                  DALLAS                                                          TX                          75232                         1                      2                       12/1/2006                     11/1/2021                    10/30/2006                        2/1/2007
     744.43                       84747.55                       84900                      9.99                  FAIRFAX                                                         VA                          22030                         1                      2                       11/1/2006                     10/1/2021                     9/27/2006                        2/1/2007
     373.01                       39157.61                       39200                     10.99                  GRAND PRAIRE                                                    TX                          75054                         1                      2                       12/1/2006                     11/1/2021                    10/23/2006                        2/1/2007
     334.37                       32959.93                       33000                      11.8                  POMPANO BEACH                                                   FL                          33064                         2                      2                       11/1/2006                     10/1/2021                     9/29/2006                        2/1/2007
     304.41                       30006.52                       30043                      11.8                  HOUSTON                                                         TX                          77070                         1                      2                       11/1/2006                     10/1/2021                     10/2/2006                        2/1/2007
    1529.99                       155792.1                      156000                    11.375                  FULLERTON                                                       CA                          92833                         1                      2                       11/1/2006                     10/1/2021                      9/6/2006                        2/1/2007
     743.55                       84647.75                       84800                      9.99                  CAPE CORAL                                                      FL                          33991                         1                      2                       11/1/2006                     10/1/2021                     9/27/2006                        2/1/2007
     430.11                        45134.5                       45200                     10.99                  CIBOLO                                                          TX                          78108                         1                      2                       11/1/2006                     10/1/2021                     9/29/2006                        2/1/2007
     461.21                       52529.48                       52600                      9.99                  LEANDER                                                         TX                          78641                         1                      2                       12/1/2006                     11/1/2021                    10/13/2006                        2/1/2007
     517.33                       58920.89                       59000                      9.99                  LEANDER                                                         TX                          78641                         1                      2                       12/1/2006                     11/1/2021                    10/13/2006                        2/1/2007
      325.3                       37050.26                       37100                      9.99                  LEANDER                                                         TX                          78641                         1                      2                       12/1/2006                     11/1/2021                    10/13/2006                        2/1/2007
     973.37                       94617.71                       94700                     11.99                  CORONA                                                          CA                          92883                         1                      2                       12/1/2006                     11/1/2021                    10/23/2006                        2/1/2007
     257.72                        28936.8                       29000                     10.15                  MOUNT CLEMENS                                                   MI                          48043                         1                      2                       10/1/2006                      9/1/2021                      9/1/2006                        2/1/2007
     410.36                       46715.96                       46800                      9.99                  NOBLESVILLE                                                     IN                          46060                         1                      2                       11/1/2006                     10/1/2021                     9/28/2006                        2/1/2007
     439.29                       50010.05                       50100                      9.99                  ROUND ROCK                                                      TX                          78664                         1                      2                       11/1/2006                     10/1/2021                     9/21/2006                        2/1/2007
     422.21                       45906.71                       45980                    10.547                  BROOKLYN PARK                                                   MN                          55445                         1                      2                       11/1/2006                     10/1/2021                     9/19/2006                        2/1/2007
     505.12                       46024.95                       46069                    12.875                  LEESBURG                                                        FL                          34748                         1                      2                       11/1/2006                     10/1/2021                     9/28/2006                        2/1/2007
      319.9                        31063.8                       31100                        12                  AUSTIN                                                          TX                          78725                         1                      2                       11/1/2006                     10/1/2021                     9/19/2006                        2/1/2007
     605.89                       69007.34                       69100                      9.99                  INDIANAPOLIS                                                    IN                          46278                         1                      2                       12/1/2006                     11/1/2021                    10/27/2006                        2/1/2007
     501.48                       52642.97                       52700                     10.99                  LITHONIA                                                        GA                          30038                         1                      2                       12/1/2006                     11/1/2021                    10/17/2006                        2/1/2007
     374.93                       37437.77                       37485                     11.63                  HILLSIDE                                                        IL                          60162                         1                      2                       11/1/2006                     10/1/2021                     9/25/2006                        2/1/2007
    1304.58                      139710.59                      139980                     10.73                  BURNSVILLE                                                      MN                          55337                         1                      2                       10/1/2006                      9/1/2021                     8/30/2006                        2/1/2007
     310.41                       34357.13                       34400                    10.334                  SAINT PAUL                                                      MN                          55106                         1                      2                       12/1/2006                     11/1/2021                     10/4/2006                        2/1/2007
     271.36                       28737.26                       28780                    10.875                  BURTON                                                          MI                          48519                         1                      2                       11/1/2006                     10/1/2021                     9/15/2006                        2/1/2007
     986.79                       89913.97                       90000                    12.875                  SAN DIEGO                                                       CA                          92114                         1                      2                       11/1/2006                     10/1/2021                     9/27/2006                        2/1/2007
    1028.61                       99942.49                      100000                        12                  HAWTHORNE                                                       CA                          90250                         1                      2                        1/1/2007                     12/1/2021                    11/15/2006                        2/1/2007
     533.63                       49934.67                       50000                      12.5                  BRAWLEY                                                         CA                          92227                         1                      2                       10/1/2006                      9/1/2021                     8/22/2006                        2/1/2007
     436.67                       47698.89                       47737                      10.5                  TACOMA                                                          WA                          98404                         1                      2                        1/1/2007                     12/1/2036                    11/17/2006                        2/1/2007
     653.59                       65957.62                       66000                      11.5                  MARYSVILLE                                                      WA                          98270                         1                      2                        1/1/2007                     12/1/2021                    11/15/2006                        2/1/2007
     1110.9                      107273.56                      108000                        12                  RENTON                                                          WA                          98059                         1                      2                        1/1/2007                     12/1/2021                    11/17/2006                        2/1/2007
     360.01                       34979.88                       35000                        12                  LAKEWOOD                                                        WA                          98498                         1                      2                        1/1/2007                     12/1/2021                    11/17/2006                        2/1/2007
     933.47                        90697.8                       90750                        12                  LA HABRA                                                        CA                          90631                         1                      2                        1/1/2007                     12/1/2021                    11/13/2006                        2/1/2007
      830.6                       79955.24                       80000                    12.125                  LOS ANGELES (WILMINGTON AREA)                                   CA                          90744                         1                      2                        1/1/2007                     12/1/2021                    11/13/2006                        2/1/2007
     939.19                       87954.72                       88000                      12.5                  FONTANA                                                         CA                          92337                         1                      2                        1/1/2007                     12/1/2021                    11/16/2006                        2/1/2007
     391.88                          41800                       41800                     11.25                  PEORIA                                                          AZ                          85345                         1                      2                        1/1/2007                     12/1/2036                    11/17/2006                        2/1/2007
     503.75                       43961.95                       43980                      13.5                  RIO RANCHO                                                      NM                          87144                         1                      2                        1/1/2007                     12/1/2021                    11/20/2006                        2/1/2007
     473.45                       42780.33                       42800                        13                  ALBUQUERQUE                                                     NM                          87106                         1                      2                        1/1/2007                     12/1/2021                    11/20/2006                        2/1/2007
     386.58                       33736.14                       33750                      13.5                  ALBUQUERQUE                                                     NM                          87108                         4                      2                        1/1/2007                     12/1/2021                    11/15/2006                        2/1/2007
     543.13                       53268.48                       53300                    11.875                  EDGEWOOD                                                        NM                          87015                         1                      2                        1/1/2007                     12/1/2021                    11/20/2006                        2/1/2007
     380.73                       41167.98                       41200                    10.625                  ALBUQUERQUE                                                     NM                          87112                         1                      2                        1/1/2007                     12/1/2021                    11/21/2006                        2/1/2007
      220.6                       20290.13                       20300                     12.75                  ALBUQUERQUE                                                     NM                          87120                         1                      2                        1/1/2007                     12/1/2021                    11/22/2006                        2/1/2007
     445.73                        36980.7                       37000                     14.25                  HENDERSON                                                       NV                          89015                         1                      2                       12/1/2006                     11/1/2021                    10/20/2006                        2/1/2007
     939.24                       81965.57                       82000                      13.5                  HENDERSON                                                       NV                          89012                         1                      2                        1/1/2007                     12/1/2021                     11/9/2006                        2/1/2007
     802.69                       76558.33                       76600                     12.25                  SPARKS                                                          NV                          89436                         1                      2                        1/1/2007                     12/1/2021                     11/2/2006                        2/1/2007
     570.42                       64942.26                       65000                        10                  MENTONE                                                         CA                          92359                         1                      2                        1/1/2007                     12/1/2021                    11/15/2006                        2/1/2007
     955.27                       83365.77                       83400                      13.5                  LAS VEGAS                                                       NV                          89123                         1                      2                        1/1/2007                     12/1/2021                    11/17/2006                        2/1/2007
     775.49                       65975.13                       66000                    13.875                  HIGLEY                                                          AZ                          85236                         1                      2                        1/1/2007                     12/1/2036                    11/22/2006                        2/1/2007
     779.69                        75756.4                       75800                        12                  MADERA                                                          CA                          93637                         1                      2                        1/1/2007                     12/1/2021                     11/6/2006                        2/1/2007
      593.9                        59362.9                       59400                    11.625                  FRESNO                                                          CA                          93727                         1                      2                        1/1/2007                     12/1/2021                    11/15/2006                        2/1/2007
     720.03                       69959.74                       70000                        12                  FRESNO                                                          CA                          93710                         1                      2                        1/1/2007                     12/1/2021                     11/9/2006                        2/1/2007
    1129.51                      120908.49                      121000                     10.75                  LOMPOC                                                          CA                          93436                         4                      2                        1/1/2007                     12/1/2021                    11/16/2006                        2/1/2007
     815.38                        76360.7                       76400                      12.5                  SANTA MARIA                                                     CA                          93454                         1                      2                        1/1/2007                     12/1/2021                    11/17/2006                        2/1/2007
     580.92                        60956.3                       61000                        11                  WILSONVILLE                                                     OR                          97070                         1                      2                        1/1/2007                     12/1/2021                    11/17/2006                        2/1/2007
     773.76                       72462.71                       72500                      12.5                  ALBANY                                                          OR                          97321                         1                      2                        1/1/2007                     12/1/2021                    10/31/2006                        2/1/2007
     755.53                       72060.78                       72100                     12.25                  ROSEBURG                                                        OR                          97470                         1                      2                        1/1/2007                     12/1/2021                    11/17/2006                        2/1/2007
     672.11                       69153.06                       69200                     11.25                  GRANTS PASS                                                     OR                          97527                         1                      2                        1/1/2007                     12/1/2036                    11/17/2006                        2/1/2007
     384.86                        33586.2                       33600                      13.5                  PORTLAND                                                        OR                          97236                         1                      2                        1/1/2007                     12/1/2021                    11/19/2006                        2/1/2007
     489.92                       48969.39                       49000                    11.625                  PORTLAND                                                        OR                          97203                         1                      2                        1/1/2007                     12/1/2021                    11/17/2006                        2/1/2007
     561.25                       48979.89                       49000                      13.5                  REDMOND                                                         OR                          97756                         1                      2                        1/1/2007                     12/1/2021                    11/20/2006                        2/1/2007
     933.48                       99924.37                      100000                     10.75                  PORTLAND                                                        OR                          97217                         1                      2                        1/1/2007                     12/1/2021                    11/21/2006                        2/1/2007
     552.66                       48230.19                       48250                      13.5                  BEAVERTON                                                       OR                          97007                         1                      2                        1/1/2007                     12/1/2021                    11/14/2006                        2/1/2007
     339.44                        35973.5                       36000                    10.875                  ROSEBURG                                                        OR                          97470                         1                      2                        1/1/2007                     12/1/2021                    11/16/2006                        2/1/2007
      490.2                       47628.58                       47656                        12                  ALBANY                                                          OR                          97322                         1                      2                        1/1/2007                     12/1/2021                    11/16/2006                        2/1/2007
     408.96                       35385.88                       35400                    13.625                  SHERWOOD                                                        OR                          97140                         1                      2                        1/1/2007                     12/1/2021                    11/20/2006                        2/1/2007
     790.19                       68372.72                       68400                    13.625                  SHERWOOD                                                        OR                          97140                         1                      2                        1/1/2007                     12/1/2021                    11/20/2006                        2/1/2007
     360.44                       31187.55                       31200                    13.625                  DENTON                                                          TX                          76210                         1                      2                        1/1/2007                     12/1/2021                    11/22/2006                        2/1/2007
      174.1                       15193.77                       15200                      13.5                  NOLANVILLE                                                      TX                          76559                         1                      2                        1/1/2007                     12/1/2021                    11/14/2006                        2/1/2007
    1007.96                       87963.88                       88000                      13.5                  PEARLAND                                                        TX                          77584                         1                      2                        1/1/2007                     12/1/2021                    11/16/2006                        2/1/2007
     286.35                       24989.74                       25000                      13.5                  GRANBURY                                                        TX                          76048                         1                      2                        1/1/2007                     12/1/2021                    11/20/2006                        2/1/2007
     311.55                       27188.84                       27200                      13.5                  LITTLE ELM                                                      TX                          75068                         1                      2                        1/1/2007                     12/1/2021                    11/20/2006                        2/1/2007
     213.05                       18592.36                       18600                      13.5                  DALLAS                                                          TX                          75228                         1                      2                        1/1/2007                     12/1/2021                    11/22/2006                        2/1/2007
     536.05                       46780.79                       46800                      13.5                  CORPUS CHRISTI                                                  TX                          78418                         1                      2                        1/1/2007                     12/1/2021                    11/22/2006                        2/1/2007
     510.85                       46987.14                       47010                     12.75                  SACHSE                                                          TX                          75048                         1                      2                        1/1/2007                     12/1/2021                    11/17/2006                        2/1/2007
     274.66                       25038.15                       25050                    12.875                  BETHANY                                                         OK                          73008                         1                      2                        1/1/2007                     12/1/2021                    11/22/2006                        2/1/2007
     202.74                       17692.47                       17700                      13.5                  TOMBALL                                                         TX                          77375                         1                      2                        1/1/2007                     12/1/2021                    11/17/2006                        2/1/2007
     379.13                       33086.42                       33100                      13.5                  MANSFIELD                                                       TX                          76063                         1                      2                        1/1/2007                     12/1/2021                    11/27/2006                        2/1/2007
      244.3                       19943.48                       19950                      14.5                  FORT WORTH                                                      TX                          76052                         1                      2                        1/1/2007                     12/1/2021                    11/22/2006                        2/1/2007
    2488.95                      224896.54                      225000                        13                  PROVINCETOWN                                                    MA                           2657                         1                      2                        1/1/2007                     12/1/2021                    11/21/2006                        2/1/2007
     561.25                       48979.89                       49000                      13.5                  PROVIDENCE                                                      RI                           2909                         2                      2                        1/1/2007                     12/1/2021                    11/22/2006                        2/1/2007
     512.28                       47975.31                       48000                      12.5                  SOMERSWORTH                                                     NH                           3878                         2                      2                        1/1/2007                     12/1/2021                    11/22/2006                        2/1/2007
      683.3                       55781.79                       55800                      14.5                  BROOKSVILLE                                                     FL                          34602                         1                      2                        1/1/2007                     12/1/2036                     11/1/2006                        2/1/2007
     426.84                       53489.98                       53550                     8.895                  ORLANDO                                                         FL                          32837                         1                      2                        1/1/2007                     12/1/2021                    11/22/2006                        2/1/2007
     596.66                       52976.97                       53000                     13.25                  AURORA                                                          CO                          80013                         1                      2                        1/1/2007                     12/1/2021                    11/21/2006                        2/1/2007
     536.52                       51172.16                       51200                     12.25                  BRIGHTON                                                        CO                          80601                         1                      2                        1/1/2007                     12/1/2036                    11/22/2006                        2/1/2007
     457.95                       41388.53                       41398                        13                  ST. AUGUSTINE                                                   FL                          32092                         1                      2                        2/1/2007                      1/1/2022                    13/12/2006                        2/1/2007
     442.97                       41494.37                       41505                      12.5                  STOCKTON                                                        CA                          95209                         1                      2                        2/1/2007                      1/1/2022                    13/12/2000                        2/1/2007
     397.83                       49971.96                       50000                     8.875                  SANGER                                                          CA                          93657                         1                      2                        2/1/2007                      1/1/2022                    13/12/2006                        2/1/2007
     351.74                       32651.87                       32660                    12.625                  JACKSONVILLE                                                    FL                          32244                         1                      2                        2/1/2007                      1/1/2022                    13/12/2006                        2/1/2007
     600.96                       58957.65                       58975                    11.875                  TOLLESON                                                        AZ                          85353                         1                      2                        2/1/2007                      1/1/2022                    13/12/2000                        2/1/2007
     287.81                       27971.99                       27980                        12                  FLORENCE                                                        AZ                          85232                         1                      2                        2/1/2007                      1/1/2022                    13/12/2006                        2/1/2007
     200.76                        21497.9                       21506                     10.75                  LINCOLN                                                         CA                          95648                         1                      2                        2/1/2007                      1/1/2022                    13/12/2000                        2/1/2007
     591.49                       56429.72                       56445                     12.25                  TOLLESON                                                        AZ                          85353                         1                      2                        2/1/2007                      1/1/2022                    13/11/2006                        2/1/2007
     419.03                       38550.67                       38560                     12.75                  APOPKA                                                          FL                          32712                         1                      2                        2/1/2007                      1/1/2022                    13/12/2000                        2/1/2007
     374.24                       37063.79                       37075                     11.75                  QUEEN CREEK                                                     AZ                          85243                         1                      2                        2/1/2007                      1/1/2022                    13/12/2000                        2/1/2007
     488.47                       52307.29                       52327                     10.75                  AURORA                                                          CO                          80013                         1                      2                        2/1/2007                      1/1/2022                    13/12/2000                        2/1/2007
     671.64                        65891.6                       65911                    11.875                  TOLLESON                                                        AZ                          85353                         1                      2                        2/1/2007                      1/1/2022                    13/12/2000                        2/1/2007
     422.65                       43928.75                       43944                    11.125                  PHOENIX                                                         AZ                          85043                         1                      2                        2/1/2007                      1/1/2022                    13/12/2000                        2/1/2007
     459.84                       41919.15                       41939                    12.875                  TEMPE                                                           AZ                          85281                         1                      2                        2/1/2007                      1/1/2022                    13/11/2000                        2/1/2007
     423.53                       38541.44                       38627                    12.875                  FORT WORTH                                                      TX                          76052                         1                      2                        2/1/2007                      1/1/2022                    13/12/2000                        2/1/2007
     438.67                       43609.65                       43623                      11.7                  MIAMI GARDENS                                                   FL                          33169                         1                      2                        2/1/2007                      1/1/2037                    13/12/2000                        2/1/2007
     799.78                       79965.12                       79990                    11.625                  STANWOOD                                                        WA                          98292                         1                      2                        2/1/2007                      1/1/2022                    13/12/2000                        2/1/2007
        429                       42487.15                       42500                     11.75                  WALKER                                                          LA                          70785                         1                      2                        2/1/2007                      1/1/2022                    13/12/2000                        2/1/2007
     328.89                       35461.45                       35590                    10.625                  FORT WORTH                                                      TX                          76248                         1                      2                        2/1/2007                      1/1/2022                    13/12/2000                        2/1/2007
     902.49                       96642.59                       96679                     10.75                  PALMDALE                                                        CA                          93552                         1                      2                        2/1/2007                      1/1/2022                    13/12/2000                        2/1/2007
     293.22                       34096.01                       34128                      9.75                  LOCUST GROVE                                                    GA                          30248                         1                      2                        2/1/2007                      1/1/2022                    13/12/2000                        2/1/2007
      460.3                        45586.2                       45600                     11.75                  HIGH POINT                                                      NC                          27265                         1                      2                        2/1/2007                      1/1/2022                    13/12/2000                        2/1/2007
     342.76                       35613.15                       35638                    11.125                  QUEEN CREEK                                                     AZ                          85242                         1                      2                        1/1/2007                     12/1/2021                    13/11/2000                        2/1/2007
     536.91                       55804.63                       55824                    11.125                  TOLLESON                                                        AZ                          85353                         1                      2                        2/1/2007                      1/1/2022                    13/12/2006                        2/1/2007
      373.3                       39974.94                       39990                     10.75                  LACEY                                                           WA                          98513                         1                      2                        2/1/2007                      1/1/2022                    13/12/2000                        2/1/2007
     690.62                       72493.14                       72519                        11                  LINCOLN                                                         CA                          95648                         1                      2                        2/1/2007                      1/1/2022                    13/12/2000                        2/1/2007
     796.48                       86156.66                       86190                    10.625                  WEST PALM BEACH                                                 FL                          33413                         1                      2                        2/1/2007                      1/1/2022                    13/12/2000                        2/1/2007
     635.68                       62363.64                       62382                    11.875                  CAMARILLO                                                       CA                          93012                         1                      2                        2/1/2007                      1/1/2022                    13/12/2000                        2/1/2007
     801.44                       89360.66                       89436                     10.25                  PALMDALE                                                        CA                          93552                         1                      2                        2/1/2007                      1/1/2022                    13/12/2000                        2/1/2007
      518.2                       52513.02                       52530                     11.45                  VICTORVILLE                                                     CA                          92392                         1                      2                        2/1/2007                      1/1/2037                    13/11/2000                        2/1/2007
      367.4                       32068.44                       32075                      13.5                  SAN ANTONIO                                                     TX                          78253                         1                      2                        2/1/2007                      1/1/2022                    13/12/2000                        2/1/2007
     588.51                       70719.26                       70755                     9.375                  SPARKS                                                          NV                          89436                         1                      2                        2/1/2007                      1/1/2022                    13/12/2006                        2/1/2007
     591.91                       59181.59                       59200                    11.625                  AURORA                                                          CO                          80016                         1                      2                        2/1/2007                      1/1/2022                    13/12/2006                        2/1/2007
    1376.51                      138955.57                      139000                      11.5                  BRENTWOOD                                                       CA                          94513                         1                      2                        2/1/2007                      1/1/2022                    13/10/2000                        2/1/2007
     244.95                       26495.74                       26506                    10.625                  CHARLOTTE                                                       NC                          28213                         1                      2                        2/1/2007                      1/1/2022                    13/12/2000                        2/1/2007
     723.97                       75993.89                       76021                        11                  BAKERSFIELD                                                     CA                          93311                         1                      2                        2/1/2007                      1/1/2022                    13/11/2000                        2/1/2007
     248.28                       27131.21                       27142                      10.5                  OKLAHOMA CITY                                                   OK                          73099                         1                      2                        2/1/2007                      1/1/2022                    13/12/2000                        2/1/2007
     891.27                       89971.23                       90000                      11.5                  ELK GROVE                                                       CA                          95757                         1                      2                        2/1/2007                      1/1/2022                    13/12/2006                        2/1/2007
     328.15                       45771.67                       45804                      7.75                  SANGER                                                          CA                          93657                         1                      2                        2/1/2007                      1/1/2022                    13/12/2006                        2/1/2007
     896.17                      107690.59                      107745                     9.375                  OAKLEY                                                          CA                          94561                         1                      2                        2/1/2007                      1/1/2022                    13/12/2006                        2/1/2007
     506.67                       54256.56                       54277                     10.75                  ELK GROVE                                                       CA                          95757                         1                      2                        2/1/2007                      1/1/2022                    13/12/2006                        2/1/2007
     317.11                       42651.93                       42708                     8.125                  OAKLEY                                                          CA                          94561                         1                      2                        2/1/2007                      1/1/2022                    13/12/2000                        2/1/2007
     358.81                       36929.52                       36942                     11.25                  QUEEN CREEK                                                     AZ                          85242                         1                      2                        2/1/2007                      1/1/2022                    13/12/2006                        2/1/2007
        391                       45977.96                       46000                     9.625                  CUMMING                                                         GA                          30040                         1                      2                        2/1/2007                      1/1/2022                    13/11/2000                        2/1/2007
     465.98                       51978.19                       52000                     10.25                  CUMMING                                                         GA                          30040                         1                      2                        2/1/2007                      1/1/2022                    13/12/2006                        2/1/2007
     695.19                       75967.79                       75998                      10.5                  SAN JACINTO                                                     CA                          92582                         1                      2                        2/1/2007                      1/1/2022                    13/12/2006                        2/1/2007
     508.84                       58571.37                       58598                     9.875                  SAN DIEGO                                                       CA                          92104                         1                      2                        2/1/2007                      1/1/2022                    13/12/2006                        2/1/2007
     947.11                         106752                      106798                    10.125                  ELK GROVE                                                       CA                          95757                         1                      2                        2/1/2007                      1/1/2022                    13/12/2006                        2/1/2007
     293.13                       30769.02                       30780                        11                  BYRON                                                           GA                          31008                         1                      2                        2/1/2007                      1/1/2022                    13/12/2000                        2/1/2007
    1824.57                      212267.91                      212367                      9.75                  BRENTWOOD                                                       CA                          94513                         1                      2                        2/1/2007                      1/1/2022                    13/12/2006                        2/1/2007
     252.48                       27873.61                       27885                    10.375                  QUEEN CREEK                                                     AZ                          85242                         1                      2                        2/1/2007                      1/1/2022                    13/12/2006                        2/1/2007
    1772.02                      184114.54                      184243                    11.125                  BRENTWOOD                                                       CA                          94513                         1                      2                        2/1/2007                      1/1/2022                    13/12/2000                        2/1/2007
     645.96                       69171.94                       69198                     10.75                  VICTORVILLE                                                     CA                          92392                         1                      2                        2/1/2007                      1/1/2022                    13/11/2000                        2/1/2007
     731.67                       81615.76                       81650                     10.25                  HENDERSON                                                       NV                          89012                         1                      2                        2/1/2007                      1/1/2022                    13/12/2000                        2/1/2007
     365.72                       33347.15                       33355                    12.875                  MARICOPA                                                        AZ                          85239                         1                      2                        2/1/2007                      1/1/2022                    13/12/2000                        2/1/2007
     328.36                       38611.48                       38630                     9.625                  QUEEN CREEK                                                     AZ                          85242                         1                      2                        2/1/2007                      1/1/2022                    13/12/2006                        2/1/2007
     449.73                       59132.22                       59169                     8.375                  HEBER                                                           CA                          92249                         1                      2                        2/1/2007                      1/1/2022                    13/12/2006                        2/1/2007
     305.86                       28385.79                       28400                    12.625                  TUCSON                                                          AZ                          85706                         1                      2                        2/1/2007                      1/1/2022                    13/12/2000                        2/1/2007
     604.59                       71094.92                       71129                     9.625                  LAS VEGAS                                                       NV                          89143                         1                      2                        2/1/2007                      1/1/2022                    13/12/2006                        2/1/2007
     406.11                       40604.37                       40617                    11.625                  SPARKS                                                          NV                          89436                         1                      2                        2/1/2007                      1/1/2022                    13/12/2000                        2/1/2007
     578.53                       69484.46                       69555                     9.375                  SPARKS                                                          NV                          89436                         1                      2                        2/1/2007                      1/1/2022                    13/12/2006                        2/1/2007
      339.5                       32389.23                       32398                     12.25                  LOCUST GROVE                                                    GA                          30248                         1                      2                        2/1/2007                      1/1/2022                    13/12/2006                        2/1/2007
     565.43                       75180.43                       75263                      8.25                  HENDERSON                                                       CO                          80640                         1                      2                        2/1/2007                      1/1/2022                    13/10/2000                        2/1/2007
     410.76                       54640.13                       54675                      8.25                  CHINO                                                           CA                          91710                         1                      2                        2/1/2007                      1/1/2022                    13/12/2006                        2/1/2007
     273.62                        33611.1                       33629                     9.125                  HUTTO                                                           TX                          78634                         1                      2                        2/1/2007                      1/1/2022                    13/12/2006                        2/1/2007
      277.8                       30986.99                       31000                     10.25                  LOCUST GROVE                                                    GA                          30248                         1                      2                        2/1/2007                      1/1/2022                    13/12/2000                        2/1/2007
     973.84                       96908.36                       97437                      8.75                  STOCKTON                                                        CA                          95209                         1                      2                        2/1/2007                      1/1/2022                    13/12/2006                        2/1/2007
     509.09                       67677.28                       67764                      8.25                  FOLSOM                                                          CA                          95630                         1                      2                        2/1/2007                      1/1/2022                    13/12/2006                        2/1/2007
     674.22                       73676.71                       73706                      10.5                  ROSEVILLE                                                       CA                          95678                         1                      2                        2/1/2007                      1/1/2022                    13/12/2000                        2/1/2007
     208.25                       27050.06                       27083                       8.5                  FLORENCE                                                        AZ                          85232                         1                      2                        2/1/2007                      1/1/2022                    13/12/2006                        2/1/2007
     443.23                        51018.8                       51042                     9.875                  HOMESTEAD                                                       FL                          33032                         1                      2                        2/1/2007                      1/1/2022                    13/12/2000                        2/1/2007
      337.1                       30458.97                       30473                        13                  BUCKEYE                                                         AZ                          85326                         1                      2                        1/1/2007                     12/1/2021                    13/11/2000                        2/1/2007
     542.97                       65965.78                       66000                      9.25                  AURORA                                                          CO                          80018                         1                      2                        2/1/2007                      1/1/2022                    13/12/2006                        2/1/2007
     783.08                       95136.65                       95186                      9.25                  RICHMOND                                                        CA                          94806                         1                      2                        2/1/2007                      1/1/2022                    13/12/2000                        2/1/2007
     914.74                       99879.73                      100000                      10.5                  OAKLEY                                                          CA                          94561                         1                      2                        1/1/2007                     12/1/2021                    13/11/2000                        2/1/2007
     664.17                       91536.96                       91600                     7.875                  RICHMOND                                                        CA                          94806                         1                      2                        2/1/2007                      1/1/2022                    13/12/2006                        2/1/2007
     291.43                       37001.21                       37044                      8.75                  FORT WORTH                                                      TX                          76177                         1                      2                        2/1/2007                      1/1/2022                    13/12/2006                        2/1/2007
     439.31                       53372.32                       53400                      9.25                  SAVANNAH                                                        GA                          31419                         1                      2                        2/1/2007                      1/1/2022                    13/12/2000                        2/1/2007
     760.08                       99937.84                      100000                     8.375                  STOCKTON                                                        CA                          95209                         1                      2                        2/1/2007                      1/1/2022                    13/12/2006                        2/1/2007
     433.89                       48378.21                       48419                     10.25                  COOLIDGE                                                        AZ                          85228                         1                      2                        2/1/2007                      1/1/2022                    13/12/2006                        2/1/2007
     426.37                       47560.04                       47580                     10.25                  BIG LAKE                                                        MN                          55309                         1                      2                        2/1/2007                      1/1/2022                    13/12/2000                        2/1/2007
     819.51                       92369.19                       92409                    10.125                  RICHMOND                                                        CA                          94806                         1                      2                        2/1/2007                      1/1/2022                    13/12/2000                        2/1/2007
     445.46                       61346.58                       61436                     7.875                  TOLLESON                                                        AZ                          85353                         1                      2                        2/1/2007                      1/1/2022                    13/12/2000                        2/1/2007
     217.42                       28587.22                       28605                     8.375                  SAN ANTONIO                                                     TX                          78242                         1                      2                        2/1/2007                      1/1/2022                    13/12/2000                        2/1/2007
     748.55                       91951.03                       92000                     9.125                  STOCKTON                                                        CA                          95209                         1                      2                        2/1/2007                      1/1/2022                    13/12/2006                        2/1/2007
     316.32                       41113.07                       41138                       8.5                  FRISCO                                                          TX                          75035                         1                      2                        2/1/2007                      1/1/2022                    13/12/2000                        2/1/2007
     270.37                       32138.18                       32154                       9.5                  LINCOLN                                                         CA                          95648                         1                      2                        2/1/2007                      1/1/2022                    13/12/2000                        2/1/2007
     291.49                       34276.57                       34293                     9.625                  QUEEN CREEK                                                     AZ                          85242                         1                      2                        2/1/2007                      1/1/2022                    13/12/2000                        2/1/2007
     234.72                       29483.46                       29500                     8.875                  SACRAMENTO                                                      CA                          95834                         1                      2                        2/1/2007                      1/1/2022                    13/12/2006                        2/1/2007
     453.65                       58926.25                       58998                       8.5                  LINCOLN                                                         CA                          95648                         1                      2                        2/1/2007                      1/1/2022                    13/11/2000                        2/1/2007
     548.67                       59930.76                       59980                      10.5                  CASTLE ROCK                                                     CO                          80108                         1                      2                        2/1/2007                      1/1/2022                    13/12/2006                        2/1/2007
     446.88                          55000                       55000                      9.75                  SILVER SPRING                                                   MD                          20901                         1                      2                       10/1/2006                      9/1/2036                     8/21/2006                        2/1/2007
     240.88                       24347.08                       24600                     11.75                  FORT WORTH                                                      TX                          76107                         1                      2                       10/1/2006                      9/1/2036                      8/3/2006                        2/1/2007
        322                          32200                       32200                        12                  FORT WORTH                                                      TX                          76107                         2                      2                       10/1/2006                      9/1/2036                      8/3/2006                        2/1/2007
        240                          23988                       24000                        12                  FORT WORTH                                                      TX                          76107                         2                      2                       10/1/2006                      9/1/2036                      8/3/2006                        2/1/2007
     301.88                          34500                       34500                      10.5                  AUBURN                                                          WA                          98002                         1                      2                       11/1/2006                     10/1/2036                      9/6/2006                        2/1/2007
     295.17                          31950                       32200                        11                  MACON                                                           GA                          31201                         1                      2                       10/1/2006                      9/1/2036                     8/22/2006                        2/1/2007
      212.5                          24000                       24000                    10.625                  AURORA                                                          CO                          80015                         1                      2                       10/1/2006                      9/1/2036                     8/28/2006                        2/1/2007
     148.56                       15563.98                       15600                        11                  RICHARDSON                                                      TX                          75081                         1                      2                       10/1/2006                      9/1/2021                     8/30/2006                        2/1/2007
      332.5                       37980.05                       38000                      10.5                  SAN JOSE                                                        CA                          95133                         1                      2                       10/1/2006                      9/1/2036                     8/24/2006                        2/1/2007
     257.27                       23287.14                       23300                     13.25                  MINNEAPOLIS                                                     MN                          55344                         1                      2                       11/1/2006                     10/1/2036                     9/21/2006                        2/1/2007
     411.25                          47000                       47000                      10.5                  LOS ANGELES                                                     CA                          91304                         1                      2                       11/1/2006                     10/1/2036                      9/1/2006                        2/1/2007
     308.92                          33700                       33700                        11                  LAS VEGAS                                                       NV                          89103                         1                      2                       10/1/2006                      9/1/2036                     8/29/2006                        2/1/2007
     400.78                          40500                       40500                    11.875                  CENTENNIAL                                                      CO                          80121                         1                      2                       10/1/2006                      9/1/2036                     8/23/2006                        2/1/2007
     385.94                          39000                       39000                    11.875                  THORNTON                                                        CO                          80241                         1                      2                       10/1/2006                      9/1/2036                     8/23/2006                        2/1/2007
        255                          34000                       34000                         9                  FRESNO                                                          CA                          93727                         1                      2                       10/1/2006                      9/1/2036                     8/28/2006                        2/1/2007
     283.96                          29000                       29000                     11.75                  CHASKA                                                          MN                          55318                         1                      2                       10/1/2006                      9/1/2036                     8/28/2006                        2/1/2007
     283.96                          29000                       29000                     11.75                  CHASKA                                                          MN                          55318                         1                      2                       10/1/2006                      9/1/2036                     8/28/2006                        2/1/2007
     189.96                       19191.14                       19400                     11.75                  UNION CITY                                                      GA                          30291                         1                      2                       11/1/2006                     10/1/2036                     9/15/2006                        2/1/2007
     283.96                          29000                       29000                     11.75                  CHASKA                                                          MN                          55318                         1                      2                       11/1/2006                     10/1/2036                      9/6/2006                        2/1/2007
      332.5                       39518.33                       39900                        10                  NORTH PORT                                                      FL                          34288                         1                      2                       11/1/2006                     10/1/2036                     9/11/2006                        2/1/2007
     601.25                          78000                       78000                      9.25                  CHANTILLY                                                       VA                          20152                         1                      2                       11/1/2006                     10/1/2036                     9/14/2006                        2/1/2007
        390                          41561                       41600                     11.25                  RICHFIELD                                                       MN                          55423                         1                      2                       11/1/2006                     10/1/2036                      9/8/2006                        2/1/2007
     297.92                          27500                       27500                        13                  BEND                                                            OR                          97701                         1                      2                       11/1/2006                     10/1/2036                     9/14/2006                        2/1/2007
     694.23                          70900                       70900                     11.75                  SUNNYVALE                                                       CA                          94089                         1                      2                       11/1/2006                     10/1/2036                     9/14/2006                        2/1/2007
     839.58                          77500                       77500                        13                  PORTLAND                                                        OR                          97229                         1                      2                       12/1/2006                     11/1/2036                    10/20/2006                        2/1/2007
     260.69                          25800                       25800                    12.125                  COLORADO SPRINGS                                                CO                          80925                         1                      2                       12/1/2006                     11/1/2036                     10/2/2006                        2/1/2007
     286.92                       30973.72                       31300                        11                  LAKE IN THE HILLS                                               IL                          60156                         1                      2                       11/1/2006                     10/1/2036                     9/22/2006                        2/1/2007
     570.45                       60320.38                       60500                    10.875                  EL SOBRANTE                                                     CA                          94803                         1                      2                       11/1/2006                     10/1/2021                     9/22/2006                        2/1/2007
     334.79                       29962.68                       30000                    13.125                  ALBUQUERQUE                                                     NM                          87123                         4                      2                       12/1/2006                     11/1/2021                    10/20/2006                        2/1/2007
     163.33                       15936.67                       16000                     12.25                  BALTIMORE                                                       MD                          21218                         1                      2                       12/1/2006                     11/1/2036                    10/13/2006                        2/1/2007
        595                          67200                       67200                    10.625                  SUNRIVER                                                        OR                          97707                         1                      2                       11/1/2006                     10/1/2036                     9/26/2006                        2/1/2007
     366.41                       36964.18                       37000                      11.5                  NORCROSS                                                        GA                          30093                         4                      2                       12/1/2006                     11/1/2021                    10/17/2006                        2/1/2007
     234.79                       22927.42                       23000                     12.25                  LAKEWOOD                                                        WA                          98499                         2                      2                       12/1/2006                     11/1/2036                     10/2/2006                        2/1/2007
     234.79                       22919.62                       23000                     12.25                  LAKEWOOD                                                        WA                          98499                         2                      2                       12/1/2006                     11/1/2036                     10/2/2006                        2/1/2007
        200                          20000                       20000                        12                  KALAMA                                                          WA                          98625                         1                      2                       12/1/2006                     11/1/2036                    10/24/2006                        2/1/2007
     225.63                       28321.29                       28500                       9.5                  PUYALLUP                                                        WA                          98375                         1                      2                       12/1/2006                     11/1/2036                    10/19/2006                        2/1/2007
     353.53                       35665.46                       35700                      11.5                  SNELLVILLE                                                      GA                          30078                         4                      2                       12/1/2006                     11/1/2021                    10/17/2006                        2/1/2007
     233.26                       25469.34                       25500                      10.5                  FRESNO                                                          CA                          93705                         1                      2                       12/1/2006                     11/1/2021                    10/12/2006                        2/1/2007
     288.44                          35345                       35500                      9.75                  SHORELINE                                                       WA                          98155                         1                      2                       12/1/2006                     11/1/2036                    10/12/2006                        2/1/2007
     501.56                          45000                       45000                    13.375                  DENVER                                                          CO                          80207                         1                      2                       12/1/2006                     11/1/2036                    10/30/2006                        2/1/2007
        360                          48000                       48000                         9                  LOS ANGELES                                                     CA                          90043                         1                      2                       12/1/2006                     11/1/2036                    10/20/2006                        2/1/2007
     131.98                       13187.58                       13200                    11.625                  SAN ANTONIO                                                     TX                          78223                         1                      2                       12/1/2006                     11/1/2021                    10/25/2006                        2/1/2007
     336.67                       40062.67                       40400                        10                  ESCALON                                                         CA                          95320                         1                      2                       12/1/2006                     11/1/2036                    10/26/2006                        2/1/2007
     403.33                       43193.34                       44000                        11                  HESPERIA                                                        CA                          92344                         1                      2                       12/1/2006                     11/1/2036                    10/25/2006                        2/1/2007
     551.25                       62998.49                       63000                      10.5                  PICO RIVERA                                                     CA                          90660                         1                      2                       12/1/2006                     11/1/2036                    10/26/2006                        2/1/2007
      331.2                       31873.09                       31900                    12.125                  CLEARWATER                                                      FL                          33756                         3                      2                       12/1/2006                     11/1/2021                     11/2/2006                        2/1/2007
    1023.97                         105700                      105700                    11.625                  SAN JOSE                                                        CA                          95111                         1                      2                       11/1/2006                     10/1/2036                      9/6/2006                        2/1/2007
      352.5                        35997.5                       36000                     11.75                  SUN CITY                                                        CA                          92586                         1                      2                       11/1/2006                     10/1/2036                      9/8/2006                        2/1/2007
    1263.02                         125000                      125000                    12.125                  SAN JOSE                                                        CA                          95127                         1                      2                       11/1/2006                     10/1/2036                     9/13/2006                        2/1/2007
     400.83                          37000                       37000                        13                  RIVERSIDE                                                       CA                          92501                         1                      2                       10/1/2006                      9/1/2036                     8/28/2006                        2/1/2007
     175.38                       18516.34                       18600                    10.875                  AUSTIN                                                          TX                          78744                         2                      2                        7/1/2006                      6/1/2021                     5/10/2006                        2/1/2007
     270.79                       26751.69                       26800                    12.125                  OKLAHOMA CITY                                                   OK                          73099                         1                      2                        9/1/2006                      8/1/2021                     7/28/2006                        2/1/2007
      287.5                          30000                       30000                      11.5                  ATLANTA                                                         GA                          30328                         1                      2                        7/1/2006                      6/1/2036                     5/22/2006                        2/1/2007
     485.41                       51838.38                       52000                     10.75                  METHUEN                                                         MA                           1844                         1                      2                        7/1/2006                      6/1/2021                     5/23/2006                        2/1/2007
      89.58                          10000                       10000                     10.75                  ALVIN                                                           TX                          77511                         1                      2                        8/1/2006                      7/1/2036                      6/8/2006                        2/1/2007
      140.6                        9677.47                       10000                      11.5                  BALTIMORE                                                       MD                          21213                         1                      2                        8/1/2006                      7/1/2016                     6/20/2006                        2/1/2007
        525                          56000                       56000                     11.25                  CHICAGO                                                         IL                          60647                         2                      2                        9/1/2006                      8/1/2021                     7/21/2006                        2/1/2007
      75.13                         9651.2                       10000                      8.25                  HOUSTON                                                         TX                          77099                         1                      2                        9/1/2006                      8/1/2021                      7/3/2006                        2/1/2007
     190.56                       16765.18                       17000                     10.75                  HOUSTON                                                         TX                          77066                         1                      2                        9/1/2006                      8/1/2021                     7/18/2006                        2/1/2007
     142.85                       14965.36                       15000                        11                  NORTH RICHLAND HILLS                                            TX                          76180                         2                      2                       10/1/2006                      9/1/2021                     8/30/2006                        2/1/2007
      367.5                          36000                       36000                     12.25                  WASHINGTON                                                      DC                          20002                         1                      2                        9/1/2006                      8/1/2036                     6/30/2006                        2/1/2007
     188.25                          25100                       25100                         9                  SHELBY TOWNSHIP                                                 MI                          48316                         1                      2                        9/1/2006                      8/1/2036                     7/17/2006                        2/1/2007
     211.75                       23099.75                       23100                        11                  WEST JORDAN                                                     UT                          84088                         1                      2                       11/1/2006                     10/1/2036                      9/6/2006                        2/1/2007
        481                          59200                       59200                      9.75                  LAS VEGAS                                                       NV                          89139                         1                      2                       11/1/2006                     10/1/2036                     9/15/2006                        2/1/2007
     184.69                          19700                       19700                     11.25                  HOUSTON                                                         TX                          77051                         2                      2                        9/1/2006                      8/1/2036                     7/24/2006                        2/1/2007
     166.55                       16469.31                       16500                     11.75                  DECATUR                                                         GA                          30033                         1                      2                        9/1/2006                      8/1/2021                     7/10/2006                        2/1/2007
     266.96                       26640.16                       26700                    11.625                  GEORGETOWN                                                      TX                          78628                         1                      2                        8/1/2006                      7/1/2021                     6/27/2006                        2/1/2007
     191.41                          17500                       17500                    13.125                  COLUMBIA                                                        MO                          65203                         4                      2                        9/1/2006                      8/1/2036                      8/1/2006                        2/1/2007
     275.04                       28694.03                       28700                      11.5                  LAS VEGAS                                                       NV                          89123                         1                      2                       11/1/2006                     10/1/2036                      9/6/2006                        2/1/2007
     135.35                       14465.48                       14500                     10.75                  HOUSTON                                                         TX                          77060                         1                      2                       10/1/2006                      9/1/2021                      8/4/2006                        2/1/2007
     583.63                          60900                       60900                      11.5                  BOONTON                                                         NJ                           7005                         2                      2                       10/1/2006                      9/1/2036                     8/24/2006                        2/1/2007
     370.58                       31523.07                       34000                     10.25                  ROSEDALE                                                        NY                          11413                         1                      2                       10/1/2006                      9/1/2021                     8/22/2006                        2/1/2007
      99.03                         9983.7                       10000                      11.5                  RICHARDSON                                                      TX                          75081                         1                      2                       10/1/2006                      9/1/2021                     8/18/2006                        2/1/2007
     373.97                       36602.72                       36700                    11.875                  HOUSTON                                                         TX                          77004                         2                      2                        8/1/2006                      7/1/2021                     6/30/2006                        2/1/2007
     462.19                       50999.53                       51000                    10.875                  LAKEWOOD                                                        NJ                           8701                         1                      2                        9/1/2006                      8/1/2036                     7/20/2006                        2/1/2007
     323.09                       29961.89                       30000                    12.625                  LINCOLN                                                         NE                          68504                         2                      2                       10/1/2006                      9/1/2021                      8/8/2006                        2/1/2007
     345.61                       34831.45                       34900                      11.5                  NEW BRAUNFELS                                                   TX                          78130                         1                      2                        9/1/2006                      8/1/2021                     7/28/2006                        2/1/2007
    1683.33                      159950.53                      160000                    12.625                  LOS ANGELES                                                     CA                          90006                         4                      2                        9/1/2006                      8/1/2036                     7/10/2006                        2/1/2007
     107.81                          11500                       11500                     11.25                  CALDWELL                                                        ID                          83605                         2                      2                        9/1/2006                      8/1/2036                     7/18/2006                        2/1/2007
     438.07                       36895.68                       37500                      11.5                  BRIDGEPORT                                                      CT                           6604                         2                      2                       10/1/2006                      9/1/2021                      8/7/2006                        2/1/2007
        391                          40800                       40800                      11.5                  CENTERTON                                                       AR                          72719                         2                      2                       10/1/2006                      9/1/2036                     8/15/2006                        2/1/2007
     567.81                          69000                       69000                     9.875                  DAYTONA BEACH SHORES                                            FL                          32118                         1                      2                       12/1/2006                     11/1/2021                    10/10/2006                        2/1/2007
     219.69                       22189.02                       22200                    11.875                  ELLENWOOD                                                       GA                          30294                         1                      2                        9/1/2006                      8/1/2036                     7/21/2006                        2/1/2007
     138.96                       14499.84                       14500                      11.5                  RICHMOND                                                        VA                          23231                         1                      2                       10/1/2006                      9/1/2036                     8/30/2006                        2/1/2007
        283                          28300                       28300                        12                  OWINGS MILLS                                                    MD                          21117                         1                      2                       11/1/2006                     10/1/2036                      9/7/2006                        2/1/2007
     284.22                          25500                       25500                    13.375                  LAWRENCEVILLE                                                   GA                          30045                         2                      2                        9/1/2006                      8/1/2036                     7/31/2006                        2/1/2007
        275                       29974.53                       30000                        11                  DANDRIDGE                                                       TN                          37725                         1                      2                        9/1/2006                      8/1/2021                     7/25/2006                        2/1/2007
     165.38                       16667.36                       16700                      11.5                  ORLANDO                                                         FL                          32807                         1                      2                       10/1/2006                      9/1/2021                     8/30/2006                        2/1/2007
     549.31                          79900                       79900                      8.25                  VACAVILLE                                                       CA                          95688                         1                      2                        9/1/2006                      8/1/2036                     7/25/2006                        2/1/2007
      180.1                          18200                       18200                    11.875                  FORT WORTH                                                      TX                          76131                         1                      2                       11/1/2006                     10/1/2021                     9/11/2006                        2/1/2007
     528.31                       47204.61                       47400                    13.375                  VANCOUVER                                                       WA                          98665                         1                      2                        9/1/2006                      8/1/2036                     7/18/2006                        2/1/2007
     368.45                       30386.54                       30700                        12                  NEWARK                                                          NJ                           7112                         3                      2                       10/1/2006                      9/1/2021                     8/31/2006                        2/1/2007
     568.85                          63500                       63500                     10.75                  BENSALEM                                                        PA                          19020                         1                      2                       11/1/2006                     10/1/2036                     9/11/2006                        2/1/2007
     155.36                          15700                       15700                    11.875                  FRIENDSWOOD                                                     TX                          77546                         1                      2                        9/1/2006                      8/1/2036                     7/26/2006                        2/1/2007
     106.94                       10052.03                       10300                    12.125                  HOUSTON                                                         TX                          77086                         1                      2                        9/1/2006                      8/1/2021                     7/25/2006                        2/1/2007
     106.94                       10052.03                       10300                    12.125                  HOUSTON                                                         TX                          77086                         1                      2                        9/1/2006                      8/1/2021                     7/24/2006                        2/1/2007
     135.94                       14361.25                       14500                     11.25                  MCALLEN                                                         TX                          78504                         1                      2                       10/1/2006                      9/1/2036                      8/7/2006                        2/1/2007
     138.75                       14664.06                       14800                     11.25                  MCALLEN                                                         TX                          78504                         1                      2                       10/1/2006                      9/1/2036                      8/7/2006                        2/1/2007
     169.21                       15974.08                       16000                    12.375                  CYPRESS                                                         TX                          77433                         1                      2                        9/1/2006                      8/1/2021                     7/28/2006                        2/1/2007
     270.67                       39471.32                       40600                         8                  BOTHELL                                                         WA                          98012                         1                      2                        9/1/2006                      8/1/2036                     7/19/2006                        2/1/2007
     318.65                       32136.99                       32200                    11.875                  GRESHAM                                                         OR                          97030                         2                      2                        9/1/2006                      8/1/2036                     7/21/2006                        2/1/2007
    1454.69                         142500                      142500                     12.25                  LINCOLN CITY                                                    OR                          97367                         1                      2                        9/1/2006                      8/1/2036                     7/25/2006                        2/1/2007
        550                          60000                       60000                        11                  SAN PABLO                                                       CA                          94806                         1                      2                       10/1/2006                      9/1/2036                     8/31/2006                        2/1/2007
      99.03                        9927.79                       10000                      11.5                  JUNCTION CITY                                                   KS                          66441                         1                      2                       10/1/2006                      9/1/2021                      8/2/2006                        2/1/2007
     284.38                          35000                       35000                      9.75                  MAPLETON                                                        UT                          84664                         1                      2                       10/1/2006                      9/1/2036                     8/18/2006                        2/1/2007
     120.24                       11778.67                       11800                    11.875                  FORT WORTH                                                      TX                          76106                         1                      2                        9/1/2006                      8/1/2021                     7/31/2006                        2/1/2007
     298.08                       30040.87                       30100                      11.5                  AUSTIN                                                          TX                          78757                         1                      2                        9/1/2006                      8/1/2021                     7/24/2006                        2/1/2007
     295.11                       29425.78                       29800                      11.5                  AUSTIN                                                          TX                          78701                         1                      2                       10/1/2006                      9/1/2021                     8/10/2006                        2/1/2007
     168.96                       18065.31                       18100                     10.75                  AUSTIN                                                          TX                          78748                         1                      2                       10/1/2006                      9/1/2021                     8/23/2006                        2/1/2007
     109.38                          10000                       10000                    13.125                  GARY                                                            IN                          46408                         1                      2                        9/1/2006                      8/1/2036                     7/26/2006                        2/1/2007
     109.38                        9999.98                       10000                    13.125                  GARY                                                            IN                          46408                         1                      2                        9/1/2006                      8/1/2036                     7/28/2006                        2/1/2007
     368.13                          37200                       37200                    11.875                  ATHENS                                                          GA                          30601                         1                      2                       10/1/2006                      9/1/2036                     8/21/2006                        2/1/2007
     140.98                       14077.64                       14100                    11.625                  CONVERSE                                                        TX                          78109                         1                      2                       10/1/2006                      9/1/2021                      8/3/2006                        2/1/2007
     368.13                          37200                       37200                    11.875                  ATHENS                                                          GA                          30601                         1                      2                       10/1/2006                      9/1/2036                     8/21/2006                        2/1/2007
     386.72                          37500                       37500                    12.375                  FENTON                                                          MO                          63026                         1                      2                        9/1/2006                      8/1/2036                     7/28/2006                        2/1/2007
     641.25                          85500                       85500                         9                  RIVERSIDE                                                       CA                          92509                         1                      2                       11/1/2006                     10/1/2036                      9/7/2006                        2/1/2007
     151.41                       15148.59                       15300                    11.875                  ARDMORE                                                         AL                          35739                         1                      2                       10/1/2006                      9/1/2036                      8/1/2006                        2/1/2007
     314.17                          29000                       29000                        13                  OROVILLE                                                        CA                          95965                         1                      2                       11/1/2006                     10/1/2036                     9/19/2006                        2/1/2007
     162.75                          16800                       16800                    11.625                  GREENVILLE                                                      SC                          29605                         1                      2                       10/1/2006                      9/1/2036                      8/2/2006                        2/1/2007
     368.13                          37200                       37200                    11.875                  ATHENS                                                          GA                          30601                         1                      2                       10/1/2006                      9/1/2036                     8/21/2006                        2/1/2007
      239.9                          23489                       23500                     12.25                  PHARR                                                           TX                          78577                         4                      2                       10/1/2006                      9/1/2036                     8/11/2006                        2/1/2007
     125.71                       13176.01                       13200                        11                  BRYAN                                                           TX                          77807                         2                      2                       10/1/2006                      9/1/2021                     8/14/2006                        2/1/2007
     722.91                          70100                       70100                    12.375                  BELLEVUE                                                        WA                          98008                         1                      2                        9/1/2006                      8/1/2036                     7/19/2006                        2/1/2007
     203.13                          19500                       19500                      12.5                  BELLINGHAM                                                      WA                          98226                         1                      2                       10/1/2006                      9/1/2036                     8/18/2006                        2/1/2007
     203.13                          19500                       19500                      12.5                  BELLINGHAM                                                      WA                          98226                         1                      2                       10/1/2006                      9/1/2036                     8/21/2006                        2/1/2007
     458.33                          55000                       55000                        10                  GAITHERSBURG                                                    MD                          20879                         1                      2                       10/1/2006                      9/1/2036                     8/21/2006                        2/1/2007
     404.19                          44600                       44600                    10.875                  COLORADO SPRINGS                                                CO                          80919                         1                      2                       10/1/2006                      9/1/2036                     8/21/2006                        2/1/2007
     190.13                          23400                       23400                      9.75                  TACOMA                                                          WA                          98409                         1                      2                       10/1/2006                      9/1/2036                     8/25/2006                        2/1/2007
      97.13                        9982.74                       10000                     11.25                  TULSA                                                           OK                          74110                         1                      2                       10/1/2006                      9/1/2021                      8/8/2006                        2/1/2007
     219.97                       20766.32                       20800                    12.375                  NAMPA                                                           ID                          83686                         1                      2                       10/1/2006                      9/1/2021                      8/8/2006                        2/1/2007
     167.24                          16900                       16900                    11.875                  BROOKSHIRE                                                      TX                          77423                         1                      2                       10/1/2006                      9/1/2036                      8/3/2006                        2/1/2007
     274.11                          27700                       27700                    11.875                  SPANAWAY                                                        WA                          98387                         1                      2                        9/1/2006                      8/1/2036                     7/26/2006                        2/1/2007
     105.75                          10700                       10800                     11.75                  SAGINAW                                                         TX                          76179                         1                      2                       10/1/2006                      9/1/2036                      8/7/2006                        2/1/2007
     599.69                          57000                       57000                    12.625                  HIGHLAND MILLS                                                  NY                          10930                         1                      2                       10/1/2006                      9/1/2036                     8/22/2006                        2/1/2007
     247.57                       24967.59                       25000                      11.5                  EVERETT                                                         WA                          98201                         1                      2                       11/1/2006                     10/1/2021                     8/31/2006                        2/1/2007
     231.59                       21671.68                       21700                      12.5                  CARMEL                                                          IN                          46033                         1                      2                       10/1/2006                      9/1/2021                     8/11/2006                        2/1/2007
     223.22                       21250.24                       21500                    12.125                  EDINBURG                                                        TX                          78541                         4                      2                       11/1/2006                     10/1/2021                     9/25/2006                        2/1/2007
     221.15                       21475.03                       21500                        12                  EDINBURG                                                        TX                          78541                         4                      2                       11/1/2006                     10/1/2021                      9/1/2006                        2/1/2007
     316.67                          38000                       38000                        10                  HAVERHILL                                                       MA                           1832                         2                      2                       10/1/2006                      9/1/2036                     8/24/2006                        2/1/2007
     105.76                         9989.3                       10000                    12.375                  DALLAS                                                          TX                          75217                         1                      2                       11/1/2006                     10/1/2021                     9/13/2006                        2/1/2007
     404.17                          48500                       48500                        10                  LODI                                                            NJ                           7644                         3                      2                       11/1/2006                     10/1/2036                      9/7/2006                        2/1/2007
     254.96                       25459.58                       25500                    11.625                  COPPERAS COVE                                                   TX                          76522                         4                      2                       10/1/2006                      9/1/2021                     8/11/2006                        2/1/2007
     208.15                       19368.79                       19400                    12.875                  KILLEEN                                                         TX                          76549                         1                      2                       10/1/2006                      9/1/2036                     8/18/2006                        2/1/2007
     304.17                       36003.49                       36500                        10                  MONTGOMERY VILLAGE                                              MD                          20886                         1                      2                       10/1/2006                      9/1/2036                     8/28/2006                        2/1/2007
     290.63                          31000                       31000                     11.25                  MELROSE PARK                                                    IL                          60160                         1                      2                       11/1/2006                     10/1/2036                      9/7/2006                        2/1/2007
     189.02                       16899.55                       17100                      10.5                  AUSTIN                                                          TX                          78748                         1                      2                       10/1/2006                      9/1/2021                     8/23/2006                        2/1/2007
     428.75                        41974.3                       42000                     12.25                  COLUMBIA HEIGHTS                                                MN                          55421                         2                      2                       10/1/2006                      9/1/2036                     8/24/2006                        2/1/2007
     413.44                       40452.56                       40500                     12.25                  COLUMBIA HEIGHTS                                                MN                          55421                         2                      2                       10/1/2006                      9/1/2036                     8/24/2006                        2/1/2007
     445.25                        41077.5                       41100                        13                  LAS VEGAS                                                       NV                          89145                         1                      2                        9/1/2006                      8/1/2036                     7/27/2006                        2/1/2007
     171.32                       17277.57                       17300                      11.5                  CORVALLIS                                                       OR                          97333                         1                      2                       11/1/2006                     10/1/2021                     9/19/2006                        2/1/2007
     494.17                          59300                       59300                        10                  LOS BANOS                                                       CA                          93635                         1                      2                       11/1/2006                     10/1/2036                     9/18/2006                        2/1/2007
     252.08                          27500                       27500                        11                  PORTLAND                                                        OR                          97203                         1                      2                       11/1/2006                     10/1/2036                     9/25/2006                        2/1/2007
     174.29                       18798.58                       18800                    11.125                  KUNA                                                            ID                          83634                         1                      2                       10/1/2006                      9/1/2021                     8/22/2006                        2/1/2007
    1164.58                         129995                      130000                     10.75                  GOLETA                                                          CA                          93117                         1                      2                       10/1/2006                      9/1/2021                     8/31/2006                        2/1/2007
        605                          66000                       66000                        11                  FULLERTON                                                       CA                          92831                         1                      2                       10/1/2006                      9/1/2036                     8/25/2006                        2/1/2007
     444.58                          48500                       48500                        11                  OAKLAND                                                         CA                          94603                         1                      2                       10/1/2006                      9/1/2021                      8/1/2006                        2/1/2007
     113.17                       11074.31                       11200                    12.125                  WEST COLUMBIA                                                   TX                          77486                         1                      2                       10/1/2006                      9/1/2036                      8/3/2006                        2/1/2007
     255.31                          28500                       28500                     10.75                  CICERO                                                          IL                          60804                         2                      2                       10/1/2006                      9/1/2036                     8/25/2006                        2/1/2007
     326.56                          33000                       33000                    11.875                  WASHINGTON                                                      DC                          20019                         1                      2                       10/1/2006                      9/1/2036                     8/16/2006                        2/1/2007
     311.67                       33979.69                       34000                        11                  SACRAMENTO                                                      CA                          95823                         1                      2                       11/1/2006                     10/1/2036                      9/5/2006                        2/1/2007
        375                          37500                       37500                        12                  MIAMI                                                           FL                          33132                         1                      2                       11/1/2006                     10/1/2036                     9/12/2006                        2/1/2007
     175.27                       17168.88                       17200                    11.875                  HOUSTON                                                         TX                          77055                         1                      2                        9/1/2006                      8/1/2021                      8/1/2006                        2/1/2007
     454.69                          45000                       45000                    12.125                  CHICAGO                                                         IL                          60623                         2                      2                       10/1/2006                      9/1/2036                      8/7/2006                        2/1/2007
     367.19                       37481.64                       37500                     11.75                  LIBERTY TOWNSHIP                                                OH                          45044                         1                      2                       10/1/2006                      9/1/2036                     8/21/2006                        2/1/2007
     104.17                        9993.28                       10000                      12.5                  O FALLON                                                        IL                          62269                         1                      2                       11/1/2006                     10/1/2036                     9/14/2006                        2/1/2007
     102.08                        9992.08                       10000                     12.25                  O FALLON                                                        IL                          62269                         4                      2                       11/1/2006                     10/1/2036                     9/14/2006                        2/1/2007
     108.33                        9996.65                       10000                        13                  O FALLON                                                        IL                          62269                         4                      2                       11/1/2006                     10/1/2036                     9/14/2006                        2/1/2007
     257.58                       27770.46                       28100                        11                  COLLEGE STATION                                                 TX                          77845                         1                      2                       10/1/2006                      9/1/2036                     8/16/2006                        2/1/2007
     360.75                          33300                       33300                        13                  GALVESTON                                                       TX                          77554                         1                      2                       10/1/2006                      9/1/2036                      8/9/2006                        2/1/2007
     406.72                          41100                       41100                    11.875                  SUWANEE                                                         GA                          30024                         1                      2                       10/1/2006                      9/1/2036                     8/11/2006                        2/1/2007
     406.72                          41100                       41100                    11.875                  SUWANEE                                                         GA                          30024                         1                      2                       10/1/2006                      9/1/2036                     8/11/2006                        2/1/2007
     646.88                          69000                       69000                     11.25                  UNION CITY                                                      CA                          94587                         1                      2                       11/1/2006                     10/1/2036                     9/15/2006                        2/1/2007
      335.3                       29169.58                       29500                        11                  SAN ANTONIO                                                     TX                          78223                         4                      2                       10/1/2006                      9/1/2021                     8/31/2006                        2/1/2007
      83.33                         9829.3                       10000                        10                  CHARLOTTE                                                       NC                          28269                         1                      2                       10/1/2006                      9/1/2036                     8/31/2006                        2/1/2007
     144.31                       13386.46                       13400                    12.625                  PASS CHRISTIAN                                                  MS                          39571                         1                      2                       11/1/2006                     10/1/2021                     9/19/2006                        2/1/2007
     144.31                       13386.46                       13400                    12.625                  PASS CHRISTIAN                                                  MS                          39571                         1                      2                       11/1/2006                     10/1/2021                     9/19/2006                        2/1/2007
     651.35                       84417.45                       84500                      9.25                  REDMOND                                                         OR                          97756                         1                      2                       11/1/2006                     10/1/2036                     9/12/2006                        2/1/2007
     235.45                        20880.5                       21300                      10.5                  SICKLERVILLE                                                    NJ                           8081                         1                      2                       10/1/2006                      9/1/2021                     8/30/2006                        2/1/2007
     225.63                          22800                       22800                    11.875                  CONYERS                                                         GA                          30012                         2                      2                       10/1/2006                      9/1/2036                     8/18/2006                        2/1/2007
     519.36                       53924.01                       54000                    11.125                  YONKERS                                                         NY                          10701                         3                      2                      10/15/2006                     9/15/2021                      9/1/2006                        2/1/2007
     117.61                        9915.85                       10000                    11.625                  DUNCANVILLE                                                     TX                          75137                         1                      2                       11/1/2006                     10/1/2021                      9/1/2006                        2/1/2007
     582.08                          63500                       63500                        11                  CHANTILLY                                                       VA                          20151                         1                      2                       10/1/2006                      9/1/2036                     8/21/2006                        2/1/2007
     120.12                       11760.35                       11900                     11.75                  EDINBURG                                                        TX                          78539                         1                      2                       10/1/2006                      9/1/2021                     8/25/2006                        2/1/2007
     560.09                       59285.98                       60000                     10.75                  SAN DIEGO                                                       CA                          92127                         1                      2                       10/1/2006                      9/1/2021                     8/31/2006                        2/1/2007
     284.38                          30000                       30000                    11.375                  ATLANTA                                                         GA                          30310                         1                      2                       10/1/2006                      9/1/2036                     8/16/2006                        2/1/2007
     195.94                       19795.88                       19800                    11.875                  KANNAPOLIS                                                      NC                          28083                         1                      2                       12/1/2006                     11/1/2036                    10/12/2006                        2/1/2007
        340                       31635.88                       32000                     12.75                  WORCESTER                                                       MA                           1607                         3                      2                       10/1/2006                      9/1/2036                     8/24/2006                        2/1/2007
      149.6                          16700                       16700                     10.75                  LAUDERHILL                                                      FL                          33351                         1                      2                       12/1/2006                     11/1/2036                    10/27/2006                        2/1/2007
        250                       24724.99                       25000                        12                  WORCESTER                                                       MA                           1607                         2                      2                       10/1/2006                      9/1/2036                     8/24/2006                        2/1/2007
     285.77                       31872.76                       31900                     10.75                  DUBLIN                                                          OH                          43016                         1                      2                        9/1/2006                      8/1/2021                     8/14/2006                        2/1/2007
     303.69                       33849.28                       33900                     10.75                  DUBLIN                                                          OH                          43016                         1                      2                        9/1/2006                      8/1/2021                     8/14/2006                        2/1/2007
     111.15                       10888.85                       11000                    12.125                  TOPEKA                                                          KS                          66605                         1                      2                       10/1/2006                      9/1/2036                     8/15/2006                        2/1/2007
     311.67                          34000                       34000                        11                  MAPLEWOOD                                                       MN                          55119                         1                      2                       12/1/2006                     11/1/2036                    10/27/2006                        2/1/2007
     290.63                          31000                       31000                     11.25                  WOODBRIDGE                                                      VA                          22192                         1                      2                       11/1/2006                     10/1/2036                      9/8/2006                        2/1/2007
     439.38                          55500                       55500                       9.5                  MONTEREY PARK                                                   CA                          91754                         1                      2                       10/1/2006                      9/1/2036                     8/24/2006                        2/1/2007
     983.65                          99400                       99400                    11.875                  LONG BEACH                                                      NY                          11561                         2                      2                       11/1/2006                     10/1/2036                      9/7/2006                        2/1/2007
     166.37                       16772.63                       16800                      11.5                  MIDLOTHIAN                                                      TX                          76065                         1                      2                       10/1/2006                      9/1/2021                      8/7/2006                        2/1/2007
     431.46                          43595                       43600                    11.875                  UNIVERSITY PLACE                                                WA                          98467                         1                      2                       10/1/2006                      9/1/2036                      8/8/2006                        2/1/2007
     427.08                          50000                       50000                     10.25                  DISTRICT HEIGHTS                                                MD                          20747                         1                      2                       10/1/2006                      9/1/2036                     8/25/2006                        2/1/2007
     346.88                       36893.26                       37000                     11.25                  ROCKVILLE                                                       MD                          20853                         1                      2                       10/1/2006                      9/1/2036                     8/16/2006                        2/1/2007
     543.08                       53199.92                       53200                     12.25                  MIRAMAR                                                         FL                          33025                         1                      2                       10/1/2006                      9/1/2036                     8/21/2006                        2/1/2007
     121.71                          12700                       12700                      11.5                  OGDEN                                                           UT                          84404                         1                      2                       12/1/2006                     11/1/2036                     10/6/2006                        2/1/2007
     238.33                          26000                       26000                        11                  PHOENIX                                                         AZ                          85043                         1                      2                       11/1/2006                     10/1/2036                      9/7/2006                        2/1/2007
     350.73                          45500                       45500                      9.25                  WESLEY CHAPEL                                                   FL                          33543                         1                      2                       10/1/2006                      9/1/2036                     8/25/2006                        2/1/2007
     307.08                          33500                       33500                        11                  (WRIGHTWOOD AREA)                                               CA                          92397                         1                      2                       11/1/2006                     10/1/2036                     9/15/2006                        2/1/2007
     270.42                          29500                       29500                        11                  SUWANEE                                                         GA                          30024                         1                      2                       10/1/2006                      9/1/2036                     8/30/2006                        2/1/2007
     392.06                          45900                       45900                     10.25                  GAITHERSBURG                                                    MD                          20877                         1                      2                       12/1/2006                     11/1/2036                    10/24/2006                        2/1/2007
     483.96                       45999.98                       46000                    12.625                  MCCALL                                                          ID                          83638                         1                      2                       10/1/2006                      9/1/2036                     8/28/2006                        2/1/2007
     360.94                          38500                       38500                     11.25                  PUYALLUP                                                        WA                          98375                         1                      2                       10/1/2006                      9/1/2036                     8/30/2006                        2/1/2007
     361.32                        39436.4                       39500                      10.5                  SANGER                                                          CA                          93657                         1                      2                       11/1/2006                     10/1/2021                     9/21/2006                        2/1/2007
     148.83                          15200                       15200                     11.75                  FOLEY                                                           AL                          36535                         1                      2                       10/1/2006                      9/1/2036                     8/23/2006                        2/1/2007
     210.27                       17807.49                       18000                      11.5                  WEST VALLEY CITY                                                UT                          84119                         1                      2                       10/1/2006                      9/1/2021                     8/25/2006                        2/1/2007
      139.3                       13319.11                       13800                     11.75                  SAN ANTONIO                                                     TX                          78242                         1                      2                       10/1/2006                      9/1/2021                     8/23/2006                        2/1/2007
     295.31                          31500                       31500                     11.25                  TACOMA                                                          WA                          98445                         1                      2                       10/1/2006                      9/1/2036                     8/29/2006                        2/1/2007
     680.42                          71000                       71000                      11.5                  SAN DIEGO                                                       CA                          92128                         1                      2                       11/1/2006                     10/1/2036                     9/14/2006                        2/1/2007
     131.54                       15388.37                       15400                     10.25                  GRAND RAPIDS                                                    MI                          49506                         1                      2                       10/1/2006                      9/1/2036                     8/28/2006                        2/1/2007
     546.25                          69000                       69000                       9.5                  RIVERSIDE                                                       CA                          92505                         1                      2                       10/1/2006                      9/1/2036                     8/31/2006                        2/1/2007
      166.3                          15500                       15500                    12.875                  TONEY                                                           AL                          35773                         1                      2                       10/1/2006                      9/1/2036                     8/15/2006                        2/1/2007
     314.17                          29000                       29000                        13                  FAIRFIELD                                                       CA                          94533                         1                      2                       11/1/2006                     10/1/2036                      9/5/2006                        2/1/2007
     264.38                       26986.64                       27000                     11.75                  POOLESVILLE                                                     MD                          20837                         1                      2                       10/1/2006                      9/1/2036                     8/23/2006                        2/1/2007
     300.75                       40099.92                       40100                         9                  YORK                                                            PA                          17402                         1                      2                       11/1/2006                     10/1/2036                     9/25/2006                        2/1/2007
     306.38                       34144.94                       34200                     10.75                  DUBLIN                                                          OH                          43016                         1                      2                        9/1/2006                      8/1/2021                     8/14/2006                        2/1/2007
      398.9                          46700                       46700                     10.25                  PATTERSON                                                       CA                          95363                         1                      2                       10/1/2006                      9/1/2021                     8/28/2006                        2/1/2007
     388.65                          45500                       45500                     10.25                  EAST BOSTON                                                     MA                           2128                         2                      2                       10/1/2006                      9/1/2036                     8/25/2006                        2/1/2007
     295.04                        20704.4                       21200                     11.25                  BREMERTON                                                       WA                          98337                         1                      2                       10/1/2006                      9/1/2016                     8/28/2006                        2/1/2007
     573.96                          55100                       55100                      12.5                  VALLEJO                                                         CA                          94591                         1                      2                       10/1/2006                      9/1/2036                     8/31/2006                        2/1/2007
        206                          20600                       20600                        12                  KILLEEN                                                         TX                          76542                         4                      2                       10/1/2006                      9/1/2036                     8/24/2006                        2/1/2007
     158.69                       16971.39                       17000                     10.75                  KYLE                                                            TX                          78640                         1                      2                       11/1/2006                     10/1/2021                     9/14/2006                        2/1/2007
        875                       99024.34                      100000                      10.5                  HENDERSON                                                       NV                          89044                         1                      2                       11/1/2006                     10/1/2036                      9/8/2006                        2/1/2007
     106.88                          10800                       10800                    11.875                  KELSO                                                           WA                          98626                         1                      2                       11/1/2006                     10/1/2036                     9/15/2006                        2/1/2007
     183.33                          20000                       20000                        11                  PHOENIX                                                         AZ                          85041                         1                      2                       10/1/2006                      9/1/2036                     8/31/2006                        2/1/2007
      148.5                       16045.61                       16200                        11                  CHARLOTTE                                                       NC                          28212                         1                      2                       10/1/2006                      9/1/2036                     8/31/2006                        2/1/2007
     121.35                        12975.1                       13000                     10.75                  HUMBLE                                                          TX                          77338                         1                      2                       10/1/2006                      9/1/2021                     8/18/2006                        2/1/2007
     333.13                          41000                       41000                      9.75                  SAN BERNARDINO                                                  CA                          92405                         1                      2                       10/1/2006                      9/1/2036                     8/25/2006                        2/1/2007
     289.42                       29910.58                       30200                      11.5                  HOMESTEAD                                                       FL                          33033                         1                      2                       10/1/2006                      9/1/2036                     8/14/2006                        2/1/2007
     268.33                       27731.67                       28000                      11.5                  HOMESTEAD                                                       FL                          33033                         1                      2                       10/1/2006                      9/1/2036                     8/14/2006                        2/1/2007
     216.75                       20399.32                       20400                     12.75                  BUHL                                                            ID                          83316                         1                      2                       10/1/2006                      9/1/2036                     8/16/2006                        2/1/2007
     652.29                       61960.86                       62000                    12.625                  LOS ANGELES                                                     CA                          90043                         1                      2                       11/1/2006                     10/1/2021                      9/5/2006                        2/1/2007
      101.9                        9988.06                       10000                    11.875                  COLLEGE STATION                                                 TX                          77840                         1                      2                       11/1/2006                     10/1/2021                     9/15/2006                        2/1/2007
      562.5                          60000                       60000                     11.25                  TACOMA                                                          WA                          98422                         1                      2                       11/1/2006                     10/1/2036                      9/1/2006                        2/1/2007
     125.98                       12571.81                       12600                    11.625                  MORIARTY                                                        NM                          87035                         1                      2                       11/1/2006                     10/1/2021                     9/21/2006                        2/1/2007
     333.33                          40000                       40000                        10                  RIVERBANK                                                       CA                          95367                         1                      2                       10/1/2006                      9/1/2036                     8/24/2006                        2/1/2007
     277.23                       29940.94                       30000                    10.625                  NAPLES                                                          FL                          34109                         1                      2                       10/1/2006                      9/1/2021                     8/25/2006                        2/1/2007
     219.66                       21298.96                       21300                    12.375                  BALTIMORE                                                       MD                          21239                         1                      2                       10/1/2006                      9/1/2036                     8/16/2006                        2/1/2007
     131.71                       13278.33                       13300                      11.5                  CINCINNATI                                                      OH                          45231                         1                      2                       10/1/2006                      9/1/2021                     8/23/2006                        2/1/2007
     434.25                          57900                       57900                         9                  GAINESVILLE                                                     VA                          20155                         1                      2                       10/1/2006                      9/1/2036                     8/24/2006                        2/1/2007
     229.14                       22664.98                       22700                     11.75                  EL MIRAGE                                                       AZ                          85335                         1                      2                       10/1/2006                      9/1/2021                     8/23/2006                        2/1/2007
     435.73                          44500                       44500                     11.75                  UPLAND                                                          CA                          91784                         1                      2                       10/1/2006                      9/1/2036                     8/28/2006                        2/1/2007
     166.97                       14838.48                       15000                    10.625                  BATON ROUGE                                                     LA                          70820                         1                      2                       11/1/2006                     10/1/2021                     9/13/2006                        2/1/2007
     246.26                        23363.9                       23500                     12.25                  DENVER                                                          CO                          80204                         1                      2                       10/1/2006                      9/1/2021                     8/28/2006                        2/1/2007
     106.95                          10786                       10800                      11.5                  PHARR                                                           TX                          78577                         1                      2                       11/1/2006                     10/1/2021                      9/7/2006                        2/1/2007
     106.95                          10786                       10800                      11.5                  EDINBURG                                                        TX                          78539                         1                      2                       11/1/2006                     10/1/2021                      9/7/2006                        2/1/2007
     147.55                       14880.69                       14900                      11.5                  EDINBURG                                                        TX                          78539                         1                      2                       11/1/2006                     10/1/2021                      9/7/2006                        2/1/2007
      294.5                          30400                       30400                    11.625                  CHINO                                                           CA                          91710                         1                      2                       10/1/2006                      9/1/2036                     8/16/2006                        2/1/2007
     280.31                       29225.35                       29900                     11.25                  INDIO                                                           CA                          92201                         1                      2                       10/1/2006                      9/1/2036                     8/29/2006                        2/1/2007
      450.4                       44133.69                       44200                    11.875                  CENTENNIAL                                                      CO                          80015                         1                      2                       10/1/2006                      9/1/2021                     8/15/2006                        2/1/2007
     210.27                        18231.7                       18500                        11                  SAN ANTONIO                                                     TX                          78228                         4                      2                       10/1/2006                      9/1/2021                     8/18/2006                        2/1/2007
     292.27                       29750.11                       29800                    11.375                  AUSTIN                                                          TX                          78745                         4                      2                       10/1/2006                      9/1/2021                     8/16/2006                        2/1/2007
        723                          72300                       72300                        12                  LOS ANGELES                                                     CA                          90006                         2                      2                       10/1/2006                      9/1/2036                     8/24/2006                        2/1/2007
     144.26                       15271.47                       15300                    10.875                  FORT WORTH                                                      TX                          76248                         1                      2                       10/1/2006                      9/1/2021                     8/30/2006                        2/1/2007
     484.38                          50000                       50000                    11.625                  FALLS CHURCH                                                    VA                          22042                         1                      2                       10/1/2006                      9/1/2036                     8/21/2006                        2/1/2007
     193.23                       20660.34                       20700                     10.75                  AUSTIN                                                          TX                          78753                         2                      2                       10/1/2006                      9/1/2021                     8/21/2006                        2/1/2007
     362.29                       46997.14                       47000                      9.25                  BROOMFIELD                                                      CO                          80020                         1                      2                       10/1/2006                      9/1/2021                     8/21/2006                        2/1/2007
      96.25                       10301.85                       10500                        11                  CHARLOTTE                                                       NC                          28213                         1                      2                       10/1/2006                      9/1/2036                      9/7/2006                        2/1/2007
     181.98                       19263.99                       19300                    10.875                  FORT WORTH                                                      TX                          76248                         1                      2                       10/1/2006                      9/1/2021                     8/30/2006                        2/1/2007
     170.66                       18066.25                       18100                    10.875                  FORT WORTH                                                      TX                          76248                         1                      2                       10/1/2006                      9/1/2021                     8/30/2006                        2/1/2007
     121.63                       12875.95                       12900                    10.875                  HUMBLE                                                          TX                          77338                         1                      2                       10/1/2006                      9/1/2021                     8/30/2006                        2/1/2007
     101.04                          10000                       10000                    12.125                  INDEPENDENCE                                                    MO                          64050                         1                      2                       10/1/2006                      9/1/2036                     8/23/2006                        2/1/2007
     135.42                          13000                       13000                      12.5                  CHESAPEAKE                                                      VA                          23320                         1                      2                       10/1/2006                      9/1/2036                     8/25/2006                        2/1/2007
        550                          55000                       55000                        12                  MIAMI                                                           FL                          33135                         2                      2                       11/1/2006                     10/1/2036                     9/14/2006                        2/1/2007
         75                          10000                       10000                         9                  FORT MYERS                                                      FL                          33907                         1                      2                       10/1/2006                      9/1/2021                     8/30/2006                        2/1/2007
      262.5                          28000                       28000                     11.25                  SEA-TAC                                                         WA                          98188                         1                      2                       11/1/2006                     10/1/2036                      9/8/2006                        2/1/2007
        510                          68000                       68000                         9                  RANCHO CORDOVA                                                  CA                          95742                         1                      2                       11/1/2006                     10/1/2036                     9/12/2006                        2/1/2007
     379.44                          46700                       46700                      9.75                  SAN RAFAEL                                                      CA                          94903                         1                      2                       11/1/2006                     10/1/2036                      9/7/2006                        2/1/2007
     227.81                          24300                       24300                     11.25                  CLEARWATER                                                      FL                          33756                         1                      2                       10/1/2006                      9/1/2036                     8/22/2006                        2/1/2007
        342                          34200                       34200                        12                  FORT COLLINS                                                    CO                          80524                         1                      2                       10/1/2006                      9/1/2036                     8/28/2006                        2/1/2007
     207.81                          26600                       26600                     9.375                  LOCKPORT                                                        IL                          60441                         1                      2                       10/1/2006                      9/1/2036                     8/24/2006                        2/1/2007
     265.42                          24500                       24500                        13                  KING OF PRUSSIA                                                 PA                          19406                         1                      2                       10/1/2006                      9/1/2036                     8/31/2006                        2/1/2007
     152.09                          15700                       15700                    11.625                  DECATUR                                                         GA                          30035                         1                      2                       10/1/2006                      9/1/2036                     8/16/2006                        2/1/2007
     364.38                          33000                       33000                     13.25                  KING OF PRUSSIA                                                 PA                          19406                         2                      2                       11/1/2006                     10/1/2036                     9/20/2006                        2/1/2007
     249.17                          23000                       23000                        13                  BRIDGEPORT                                                      PA                          19405                         1                      2                       10/1/2006                      9/1/2036                     8/30/2006                        2/1/2007
     216.67                          26000                       26000                        10                  SACRAMENTO                                                      CA                          95838                         1                      2                       10/1/2006                      9/1/2036                     8/22/2006                        2/1/2007
     339.51                       30084.39                       30500                    10.625                  CHICAGO                                                         IL                          60629                         2                      2                       10/1/2006                      9/1/2021                     8/31/2006                        2/1/2007
     338.04                          42700                       42700                       9.5                  DUMFRIES                                                        VA                          22026                         1                      2                       10/1/2006                      9/1/2036                     8/29/2006                        2/1/2007
      421.1                          49300                       49300                     10.25                  SILVER SPRING                                                   MD                          20910                         1                      2                       11/1/2006                     10/1/2036                      9/5/2006                        2/1/2007
     200.73                          20500                       20500                     11.75                  REDDING                                                         CA                          96003                         4                      2                       11/1/2006                     10/1/2036                     9/13/2006                        2/1/2007
     468.75                       49998.75                       50000                     11.25                  CORONA                                                          CA                          92879                         1                      2                       11/1/2006                     10/1/2036                      9/5/2006                        2/1/2007
     247.04                          24200                       24200                     12.25                  SALT LAKE CITY                                                  UT                          84121                         1                      2                       10/1/2006                      9/1/2036                     8/31/2006                        2/1/2007
     323.43                       34945.15                       35000                    10.625                  COACHELLA                                                       CA                          92236                         1                      2                       11/1/2006                     10/1/2021                      9/1/2006                        2/1/2007
     672.03                          75900                       75900                    10.625                  SAN RAFAEL                                                      CA                          94903                         1                      2                       11/1/2006                     10/1/2021                      9/8/2006                        2/1/2007
     109.08                       11713.89                       11900                        11                  SAINT PETERS                                                    MO                          63376                         1                      2                       10/1/2006                      9/1/2036                     8/30/2006                        2/1/2007
     324.58                          38000                       38000                     10.25                  UNION CITY                                                      CA                          94587                         1                      2                       10/1/2006                      9/1/2036                     8/25/2006                        2/1/2007
     528.13                       64074.31                       65000                      9.75                  GAITHERSBURG                                                    MD                          20877                         1                      2                       10/1/2006                      9/1/2036                     8/29/2006                        2/1/2007
     291.15                       32480.44                       32500                     10.75                  LAWRENCEVILLE                                                   GA                          30045                         1                      2                       11/1/2006                     10/1/2036                      9/6/2006                        2/1/2007
     395.83                          40000                       40000                    11.875                  SAN DIEGO                                                       CA                          92121                         1                      2                       10/1/2006                      9/1/2021                     8/30/2006                        2/1/2007
     103.25                          11770                       11800                      10.5                  FORT WORTH                                                      TX                          76112                         1                      2                       12/1/2006                     11/1/2036                    10/27/2006                        2/1/2007
      93.75                           9960                       10000                     11.25                  FORT WORTH                                                      TX                          76119                         1                      2                       12/1/2006                     11/1/2036                    10/27/2006                        2/1/2007
        555                       55410.56                       55500                        12                  ALEXANDRIA                                                      VA                          22309                         1                      2                       12/1/2006                     11/1/2021                     10/6/2006                        2/1/2007
      95.63                          10162                       10200                     11.25                  FORT WORTH                                                      TX                          76103                         1                      2                       12/1/2006                     11/1/2036                    10/27/2006                        2/1/2007
      93.75                           9960                       10000                     11.25                  FORT WORTH                                                      TX                          76105                         1                      2                       12/1/2006                     11/1/2036                    10/27/2006                        2/1/2007
     182.95                       19959.55                       20000                      10.5                  KIRKLAND                                                        WA                          98034                         1                      2                       10/1/2006                      9/1/2021                     8/28/2006                        2/1/2007
      93.75                        9960.31                       10000                     11.25                  FORT WORTH                                                      TX                          76119                         1                      2                       12/1/2006                     11/1/2036                    10/27/2006                        2/1/2007
     476.67                          52000                       52000                        11                  MESA                                                            AZ                          85206                         1                      2                       10/1/2006                      9/1/2036                     8/31/2006                        2/1/2007
        375                       49864.21                       50000                         9                  FALLS CHURCH                                                    VA                          22042                         1                      2                       10/1/2006                      9/1/2021                     8/24/2006                        2/1/2007
      95.83                         9388.2                       10000                      11.5                  CLEVELAND                                                       OH                          44105                         1                      2                       10/1/2006                      9/1/2036                     8/28/2006                        2/1/2007
     252.34                          28500                       28500                    10.625                  AURORA                                                          CO                          80015                         1                      2                       10/1/2006                      9/1/2036                     8/25/2006                        2/1/2007
     116.67                       15998.99                       16000                      8.75                  SPARKS                                                          NV                          89434                         1                      2                       10/1/2006                      9/1/2036                     8/30/2006                        2/1/2007
     271.82                          30700                       30700                    10.625                  DENVER                                                          CO                          80221                         1                      2                       10/1/2006                      9/1/2036                     8/25/2006                        2/1/2007
        280                          12720                       28000                        12                  NORTH LAS VEGAS                                                 NV                          89030                         4                      2                       10/1/2006                      9/1/2036                     8/30/2006                        2/1/2007
      429.4                        45929.8                       46000                     10.75                  EAST ELMHURST                                                   NY                          11368                         1                      2                       11/1/2006                     10/1/2021                     9/19/2006                        2/1/2007
        399                          50400                       50400                       9.5                  EL CAJON                                                        CA                          92019                         1                      2                       10/1/2006                      9/1/2036                     8/28/2006                        2/1/2007
     287.76                          32500                       32500                    10.625                  LITTLETON                                                       CO                          80127                         1                      2                       10/1/2006                      9/1/2036                     8/25/2006                        2/1/2007
     385.42                          37000                       37000                      12.5                  SAN DIEGO                                                       CA                          92154                         1                      2                       10/1/2006                      9/1/2036                     8/29/2006                        2/1/2007
     291.69                       35608.31                       35900                      9.75                  STOCKTON                                                        CA                          95207                         1                      2                       10/1/2006                      9/1/2036                     8/23/2006                        2/1/2007
     380.42                          41500                       41500                        11                  BELTSVILLE                                                      MD                          20705                         1                      2                       10/1/2006                      9/1/2036                      9/1/2006                        2/1/2007
        390                          48000                       48000                      9.75                  WAYNE                                                           NJ                           7470                         1                      2                       11/1/2006                     10/1/2036                      9/8/2006                        2/1/2007
     229.73                       19585.77                       19800                    11.375                  MESQUITE                                                        NV                          89027                         1                      2                       10/1/2006                      9/1/2021                     8/28/2006                        2/1/2007
     249.34                          23700                       23700                    12.625                  CARMEL                                                          IN                          46032                         1                      2                       11/1/2006                     10/1/2036                     9/13/2006                        2/1/2007
     123.75                       13499.97                       13500                        11                  LAKELAND                                                        FL                          33801                         1                      2                       10/1/2006                      9/1/2036                     8/30/2006                        2/1/2007
     372.75                          49700                       49700                         9                  SANTA MARIA                                                     CA                          93458                         1                      2                       11/1/2006                     10/1/2036                     9/11/2006                        2/1/2007
     249.34                          23700                       23700                    12.625                  CARMEL                                                          IN                          46032                         1                      2                       11/1/2006                     10/1/2036                     9/12/2006                        2/1/2007
     214.88                       21265.01                       21500                      8.75                  COATESVILLE                                                     PA                          19320                         1                      2                       11/1/2006                     10/1/2021                     9/15/2006                        2/1/2007
        365                          36500                       36500                        12                  LAVEEN                                                          AZ                          85339                         1                      2                       10/1/2006                      9/1/2036                     8/25/2006                        2/1/2007
     492.19                          52500                       52500                     11.25                  RANCHO CUCAMONGA                                                CA                          91737                         1                      2                       10/1/2006                      9/1/2036                     8/30/2006                        2/1/2007
        345                          46000                       46000                         9                  SANTA ROSA                                                      CA                          95407                         1                      2                       10/1/2006                      9/1/2036                     8/31/2006                        2/1/2007
      232.7                          25100                       25100                    11.125                  COMMERCE CITY                                                   CO                          80022                         1                      2                       10/1/2006                      9/1/2036                     8/25/2006                        2/1/2007
     208.56                          21300                       21300                     11.75                  HEMET                                                           CA                          92545                         1                      2                       10/1/2006                      9/1/2036                     8/24/2006                        2/1/2007
     252.65                       31330.62                       31400                         9                  VANCOUVER                                                       WA                          98683                         1                      2                       11/1/2006                     10/1/2021                      9/1/2006                        2/1/2007
      143.7                       12846.91                       13000                      10.5                  RENO                                                            NV                          89502                         1                      2                       10/1/2006                      9/1/2021                     8/27/2006                        2/1/2007
     201.88                       25379.88                       25500                       9.5                  PEORIA                                                          AZ                          85382                         1                      2                       11/1/2006                     10/1/2036                      9/1/2006                        2/1/2007
     301.88                          34500                       34500                      10.5                  BELMONT                                                         NC                          28012                         1                      2                       10/1/2006                      9/1/2036                     8/31/2006                        2/1/2007
        309                          30900                       30900                        12                  MORRISVILLE                                                     NC                          27560                         1                      2                       11/1/2006                     10/1/2036                     9/11/2006                        2/1/2007
     214.97                       21465.87                       21500                    11.625                  LACEY                                                           WA                          98503                         1                      2                       10/1/2006                      9/1/2021                     8/29/2006                        2/1/2007
     356.25                          36000                       36000                    11.875                  DENVER                                                          CO                          80212                         1                      2                       10/1/2006                      9/1/2036                     8/22/2006                        2/1/2007
     373.75                          39000                       39000                      11.5                  RIVERSIDE                                                       CA                          92503                         1                      2                       10/1/2006                      9/1/2036                     8/24/2006                        2/1/2007
     457.44                          56300                       56300                      9.75                  GARDEN GROVE                                                    CA                          92843                         1                      2                       12/1/2006                     11/1/2036                     10/3/2006                        2/1/2007
     238.63                       24865.55                       24900                      11.5                  PHOENIX                                                         AZ                          85043                         1                      2                       11/1/2006                     10/1/2036                     9/18/2006                        2/1/2007
     131.08                       14232.73                       14300                        11                  AUBURNDALE                                                      FL                          33823                         1                      2                       10/1/2006                      9/1/2036                     8/30/2006                        2/1/2007
     104.17                          10000                       10000                      12.5                  RICHMOND                                                        VA                          23224                         1                      2                       10/1/2006                      9/1/2036                     8/29/2006                        2/1/2007
     229.17                          25000                       25000                        11                  FREDERICKSBURG                                                  VA                          22407                         1                      2                       11/1/2006                     10/1/2036                     9/12/2006                        2/1/2007
        520                          63900                       64000                      9.75                  GARDEN GROVE                                                    CA                          92840                         1                      2                       11/1/2006                     10/1/2036                      9/7/2006                        2/1/2007
      637.5                          68000                       68000                     11.25                  PASADENA                                                        CA                          91103                         2                      2                        1/1/2007                     12/1/2036                     11/3/2006                        2/1/2007
     543.75                       57994.93                       58000                     11.25                  ELK GROVE                                                       CA                          95757                         1                      2                       10/1/2006                      9/1/2036                     8/28/2006                        2/1/2007
     508.13                       54199.63                       54200                     11.25                  BLACKLICK                                                       OH                          43004                         1                      2                       10/1/2006                      9/1/2036                     8/25/2006                        2/1/2007
     308.33                          37000                       37000                        10                  SAN ANTONIO                                                     TX                          78256                         1                      2                       12/1/2006                     11/1/2036                     10/4/2006                        2/1/2007
     327.09                       30062.84                       30100                     12.75                  GLENWOOD SPRINGS                                                CO                          81601                         1                      2                       10/1/2006                      9/1/2021                     8/25/2006                        2/1/2007
      287.4                          31000                       31000                    11.125                  SACRAMENTO                                                      CA                          95832                         1                      2                       11/1/2006                     10/1/2036                      9/1/2006                        2/1/2007
     393.15                       44699.24                       44800                        10                  CULPEPER                                                        VA                          22701                         1                      2                       10/1/2006                      9/1/2021                     8/25/2006                        2/1/2007
        219                          21900                       21900                        12                  WAKE FOREST                                                     NC                          27587                         1                      2                       10/1/2006                      9/1/2036                     8/30/2006                        2/1/2007
     505.21                          50000                       50000                    12.125                  LAS VEGAS                                                       NV                          89103                         4                      2                       11/1/2006                     10/1/2036                     9/15/2006                        2/1/2007
     434.05                       42920.39                       43000                     11.75                  SAN FRANCISCO                                                   CA                          94124                         1                      2                       11/1/2006                     10/1/2021                     9/14/2006                        2/1/2007
    1324.94                         143000                      146200                    10.875                  COTATI                                                          CA                          94931                         1                      2                       11/1/2006                     10/1/2036                     9/12/2006                        2/1/2007
     320.83                          35000                       35000                        11                  FLORENCE                                                        OR                          97439                         1                      2                       11/1/2006                     10/1/2036                      9/5/2006                        2/1/2007
     380.73                          42500                       42500                     10.75                  LITHONIA                                                        GA                          30038                         1                      2                       10/1/2006                      9/1/2036                      9/1/2006                        2/1/2007
        125                       14974.79                       15000                        10                  FRANKLIN PARK                                                   IL                          60131                         1                      2                       11/1/2006                     10/1/2021                     9/11/2006                        2/1/2007
     859.86                          85100                       85100                    12.125                  SAN DIEGO                                                       CA                          92116                         2                      2                       10/1/2006                      9/1/2036                     8/25/2006                        2/1/2007
     766.19                          94300                       94300                      9.75                  FOREST HILL                                                     MD                          21050                         1                      2                       10/1/2006                      9/1/2036                     8/24/2006                        2/1/2007
     152.17                       16592.39                       16600                        11                  LAKELAND                                                        FL                          33803                         1                      2                       11/1/2006                     10/1/2036                      9/1/2006                        2/1/2007
      357.4                          36200                       36500                     11.75                  LONG BEACH                                                      CA                          90810                         1                      2                       10/1/2006                      9/1/2036                     8/25/2006                        2/1/2007
     348.59                          34500                       34500                    12.125                  DENVER                                                          CO                          80207                         1                      2                       11/1/2006                     10/1/2036                     9/13/2006                        2/1/2007
     403.33                          44000                       44000                        11                  SYLVANIA                                                        OH                          43560                         1                      2                       10/1/2006                      9/1/2036                     8/31/2006                        2/1/2007
     239.58                          23000                       23000                      12.5                  HENDERSON                                                       NV                          89074                         1                      2                       10/1/2006                      9/1/2036                     8/29/2006                        2/1/2007
     256.25                          30000                       30000                     10.25                  PLEASANT GROVE                                                  UT                          84062                         1                      2                       10/1/2006                      9/1/2036                     8/30/2006                        2/1/2007
     134.59                       11453.91                       11600                    11.375                  GASTONIA                                                        NC                          28053                         1                      2                       10/1/2006                      9/1/2021                     8/30/2006                        2/1/2007
     169.42                          21400                       21400                       9.5                  SYRACUSE                                                        UT                          84075                         1                      2                       10/1/2006                      9/1/2036                     8/31/2006                        2/1/2007
        405                          54000                       54000                         9                  SILVER SPRING                                                   MD                          20906                         1                      2                       12/1/2006                     11/1/2036                    10/19/2006                        2/1/2007
     315.04                       28165.89                       28500                      10.5                  PORT O'CONNOR                                                   TX                          77982                         1                      2                       10/1/2006                      9/1/2021                     8/31/2006                        2/1/2007
        285                          38000                       38000                         9                  INDIO                                                           CA                          92203                         1                      2                       10/1/2006                      9/1/2036                     8/23/2006                        2/1/2007
     193.59                       16588.16                       16800                     11.25                  MIAMI                                                           FL                          33183                         1                      2                       11/1/2006                     10/1/2021                     9/19/2006                        2/1/2007
      247.5                          27000                       27000                        11                  HENDERSON                                                       NV                          89044                         1                      2                       10/1/2006                      9/1/2036                     8/28/2006                        2/1/2007
     191.02                       17103.98                       17300                     13.25                  SAN ANTONIO                                                     TX                          78213                         4                      2                       11/1/2006                     10/1/2036                     9/28/2006                        2/1/2007
     305.47                          34500                       34500                    10.625                  SALEM                                                           MA                           1970                         1                      2                       11/1/2006                     10/1/2036                     9/12/2006                        2/1/2007
     308.18                          30500                       30500                    12.125                  MANASSAS                                                        VA                          20110                         1                      2                       11/1/2006                     10/1/2036                      9/8/2006                        2/1/2007
      91.67                          10000                       10000                        11                  OMAHA                                                           NE                          68134                         1                      2                        1/1/2007                     12/1/2036                    11/10/2006                        2/1/2007
     281.63                       27865.73                       27900                     11.75                  EDMOND                                                          OK                          73013                         1                      2                       11/1/2006                     10/1/2021                      9/7/2006                        2/1/2007
     142.85                       14965.36                       15000                        11                  NORTH RICHLAND HILLS                                            TX                          76180                         2                      2                       10/1/2006                      9/1/2021                     8/30/2006                        2/1/2007
     207.96                          21700                       21700                      11.5                  LAS VEGAS                                                       NV                          89156                         1                      2                       11/1/2006                     10/1/2036                      9/8/2006                        2/1/2007
     258.75                          27000                       27000                      11.5                  NORTH LAS VEGAS                                                 NV                          89032                         1                      2                       11/1/2006                     10/1/2036                      9/7/2006                        2/1/2007
     335.42                          35000                       35000                      11.5                  LAS VEGAS                                                       NV                          89156                         1                      2                       10/1/2006                      9/1/2021                     8/24/2006                        2/1/2007
     100.94                        9987.74                       10000                     11.75                  MINNEAPOLIS                                                     MN                          55430                         1                      2                       11/1/2006                     10/1/2021                     9/11/2006                        2/1/2007
     227.96                        22763.9                       22800                    11.625                  PLEASANT GROVE                                                  UT                          84062                         1                      2                       10/1/2006                      9/1/2021                     8/25/2006                        2/1/2007
     215.63                          23000                       23000                     11.25                  LAFAYETTE                                                       IN                          47909                         2                      2                       10/1/2006                      9/1/2036                     8/31/2006                        2/1/2007
     132.19                          14100                       14100                     11.25                  LAFAYETTE                                                       IN                          47905                         2                      2                       10/1/2006                      9/1/2036                     8/31/2006                        2/1/2007
     132.19                          14100                       14100                     11.25                  LAFAYETTE                                                       IN                          47905                         2                      2                       10/1/2006                      9/1/2036                     8/31/2006                        2/1/2007
     145.83                          17500                       17500                        10                  NEWPORT                                                         WA                          99156                         1                      2                       10/1/2006                      9/1/2036                     8/25/2006                        2/1/2007
      104.5                       13122.22                       13200                       9.5                  NEWPORT                                                         WA                          99156                         1                      2                       11/1/2006                     10/1/2036                     9/15/2006                        2/1/2007
      239.9                          23500                       23500                     12.25                  MARICOPA                                                        AZ                          85239                         1                      2                       10/1/2006                      9/1/2036                     8/29/2006                        2/1/2007
     317.17                          34597                       34600                        11                  BANNING                                                         CA                          92220                         1                      2                       11/1/2006                     10/1/2036                     9/15/2006                        2/1/2007
     206.25                          22450                       22500                        11                  DENVER                                                          CO                          80249                         1                      2                       10/1/2006                      9/1/2036                     8/25/2006                        2/1/2007
        230                          23000                       23000                        12                  PHARR                                                           TX                          78577                         4                      2                       12/1/2006                     11/1/2036                    10/10/2006                        2/1/2007
        230                          23000                       23000                        12                  PHARR                                                           TX                          78577                         4                      2                       12/1/2006                     11/1/2036                    10/10/2006                        2/1/2007
     198.06                       19772.26                       20000                      11.5                  MILLBURN                                                        NJ                           7041                         1                      2                       11/1/2006                     10/1/2021                     9/13/2006                        2/1/2007
     323.44                          34500                       34500                     11.25                  PEACHTREE CITY                                                  GA                          30269                         1                      2                       11/1/2006                     10/1/2036                      9/7/2006                        2/1/2007
        100                          10000                       10000                        12                  DOWAGIAC                                                        MI                          49047                         1                      2                       11/1/2006                     10/1/2036                     9/15/2006                        2/1/2007
     318.75                       33996.22                       34000                     11.25                  GERMANTOWN                                                      MD                          20874                         1                      2                       11/1/2006                     10/1/2036                      9/6/2006                        2/1/2007
        195                       20418.13                       20800                     11.25                  COLLEGE STATION                                                 TX                          77845                         2                      2                       10/1/2006                      9/1/2036                     8/30/2006                        2/1/2007
     916.67                         100000                      100000                        11                  TIGARD                                                          OR                          97224                         1                      2                       11/1/2006                     10/1/2036                      9/1/2006                        2/1/2007
     657.71                          77000                       77000                     10.25                  SAN BRUNO                                                       CA                          94066                         1                      2                       11/1/2006                     10/1/2036                      9/5/2006                        2/1/2007
     297.78                       29454.49                       29500                     11.75                  CHANDLER                                                        AZ                          85225                         1                      2                       10/1/2006                      9/1/2021                     8/28/2006                        2/1/2007
     941.41                         120500                      120500                     9.375                  PEMBROKE                                                        MA                           2359                         1                      2                       11/1/2006                     10/1/2036                     9/22/2006                        2/1/2007
        242                          19200                       19200                    15.125                  ATLANTA                                                         GA                          30310                         1                      2                       11/1/2006                     10/1/2036                     9/20/2006                        2/1/2007
     255.31                          28500                       28500                     10.75                  LAKEVILLE                                                       MN                          55044                         1                      2                       10/1/2006                      9/1/2036                     8/30/2006                        2/1/2007
     529.58                       61455.15                       62000                     10.25                  FRANKTOWN                                                       CO                          80116                         1                      2                       10/1/2006                      9/1/2036                     8/25/2006                        2/1/2007
        255                          25500                       25500                        12                  SURPRISE                                                        AZ                          85379                         1                      2                       11/1/2006                     10/1/2036                      9/7/2006                        2/1/2007
        130                          12860                       13000                        12                  CAPE CORAL                                                      FL                          33993                         1                      2                       11/1/2006                     10/1/2036                     9/20/2006                        2/1/2007
     401.46                       46779.95                       47000                     10.25                  HERNDON                                                         VA                          20170                         1                      2                       12/1/2006                     11/1/2036                    10/13/2006                        2/1/2007
     261.89                       27460.22                       27500                        11                  NORTH LAS VEGAS                                                 NV                          89032                         1                      2                       11/1/2006                     10/1/2021                     9/12/2006                        2/1/2007
     481.77                          62500                       62500                      9.25                  SAN JOSE                                                        CA                          95128                         1                      2                       10/1/2006                      9/1/2036                     8/23/2006                        2/1/2007
      318.5                          33600                       33600                    11.375                  SAUK RAPIDS                                                     MN                          56379                         1                      2                       10/1/2006                      9/1/2036                     8/24/2006                        2/1/2007
        105                        8267.84                       10500                        12                  WYOMING                                                         MI                          49509                         1                      2                       10/1/2006                      9/1/2036                     8/30/2006                        2/1/2007
     354.38                          40500                       40500                      10.5                  PALM DESERT                                                     CA                          92211                         1                      2                       11/1/2006                     10/1/2036                     9/13/2006                        2/1/2007
     729.17                         100000                      100000                      8.75                  STERLING                                                        VA                          20166                         1                      2                       10/1/2006                      9/1/2036                     8/28/2006                        2/1/2007
     458.33                          49995                       50000                        11                  BEAUMONT                                                        CA                          92223                         1                      2                       10/1/2006                      9/1/2036                     8/30/2006                        2/1/2007
     156.21                       16299.21                       16300                      11.5                  NAMPA                                                           ID                          83651                         1                      2                       11/1/2006                     10/1/2036                      9/1/2006                        2/1/2007
     268.75                       29986.56                       30000                     10.75                  PHOENIX                                                         AZ                          85048                         1                      2                       11/1/2006                     10/1/2036                      9/8/2006                        2/1/2007
     204.65                          20900                       20900                     11.75                  COVINGTON                                                       GA                          30014                         1                      2                       11/1/2006                     10/1/2036                     9/14/2006                        2/1/2007
        330                          33000                       33000                        12                  BROOKLYN                                                        NY                          11208                         4                      2                       10/1/2006                      9/1/2036                     8/25/2006                        2/1/2007
     128.33                          14000                       14000                        11                  AUBURNDALE                                                      FL                          33823                         1                      2                       10/1/2006                      9/1/2036                     8/30/2006                        2/1/2007
     145.13                       15729.55                       16200                     10.75                  LITHONIA                                                        GA                          30058                         1                      2                       10/1/2006                      9/1/2036                     8/28/2006                        2/1/2007
      552.5                          68000                       68000                      9.75                  COTTAGE GROVE                                                   MN                          55016                         1                      2                       10/1/2006                      9/1/2036                     8/25/2006                        2/1/2007
     381.88                        38945.1                       39000                     11.75                  BUFFALO                                                         MN                          55313                         1                      2                       11/1/2006                     10/1/2036                      9/8/2006                        2/1/2007
     397.83                          43400                       43400                        11                  JONESBORO                                                       GA                          30238                         1                      2                       11/1/2006                     10/1/2036                     9/21/2006                        2/1/2007
     133.93                       12885.43                       12900                    12.125                  RIVER OAKS                                                      TX                          76114                         1                      2                       11/1/2006                     10/1/2021                     9/13/2006                        2/1/2007
     310.75                       33890.47                       33900                        11                  BATTLE GROUND                                                   WA                          98604                         1                      2                       10/1/2006                      9/1/2036                     8/30/2006                        2/1/2007
    1461.15                         169000                      169000                    10.375                  HAWTHORNE                                                       CA                          90250                         3                      2                       11/1/2006                     10/1/2036                     9/12/2006                        2/1/2007
        385                          44000                       44000                      10.5                  INDIO                                                           CA                          92203                         1                      2                       10/1/2006                      9/1/2021                     8/24/2006                        2/1/2007
      98.96                          10000                       10000                    11.875                  READING                                                         PA                          19601                         1                      2                       11/1/2006                     10/1/2036                     9/22/2006                        2/1/2007
     177.26                          18700                       18700                    11.375                  DALLAS                                                          TX                          75232                         1                      2                       11/1/2006                     10/1/2021                     9/25/2006                        2/1/2007
     248.44                       26473.44                       26500                     11.25                  CAMDEN                                                          DE                          19934                         1                      2                       11/1/2006                     10/1/2036                     9/25/2006                        2/1/2007
     217.38                          22200                       22200                     11.75                  ALBUQUERQUE                                                     NM                          87121                         1                      2                       10/1/2006                      9/1/2036                     8/28/2006                        2/1/2007
     224.58                       21998.73                       22000                     12.25                  BROCKTON                                                        MA                           2302                         1                      2                       11/1/2006                     10/1/2036                     9/28/2006                        2/1/2007
     263.72                       26099.15                       26100                    12.125                  FAIRBURN                                                        GA                          30213                         1                      2                       10/1/2006                      9/1/2036                      9/1/2006                        2/1/2007
      138.4                          14600                       14600                    11.375                  CALDWELL                                                        ID                          83605                         1                      2                       11/1/2006                     10/1/2021                      9/5/2006                        2/1/2007
      337.5                          36000                       36000                     11.25                  CHANDLER                                                        AZ                          85224                         1                      2                       11/1/2006                     10/1/2036                      9/8/2006                        2/1/2007
      687.7                          61700                       61700                    13.375                  MINNEAPOLIS                                                     MN                          55404                         4                      2                       10/1/2006                      9/1/2036                     8/31/2006                        2/1/2007
     304.33                          33200                       33200                        11                  WEST LINN                                                       OR                          97068                         1                      2                       11/1/2006                     10/1/2036                      9/7/2006                        2/1/2007
        195                          20800                       20800                     11.25                  COLLEGE STATION                                                 TX                          77845                         2                      2                       11/1/2006                     10/1/2036                     9/11/2006                        2/1/2007
        150                          18000                       18000                        10                  NAMPA                                                           ID                          83651                         1                      2                       11/1/2006                     10/1/2036                     9/14/2006                        2/1/2007
     158.33                          20000                       20000                       9.5                  SANTA ANA                                                       CA                          92704                         1                      2                       11/1/2006                     10/1/2036                      9/5/2006                        2/1/2007
     133.66                       13679.74                       14100                    11.375                  CALDWELL                                                        ID                          83607                         1                      2                       11/1/2006                     10/1/2021                      9/5/2006                        2/1/2007
     256.25                       29956.25                       30000                     10.25                  VACAVILLE                                                       CA                          95688                         1                      2                       11/1/2006                     10/1/2036                      9/1/2006                        2/1/2007
     250.58                       24799.16                       24800                    12.125                  FAIRBURN                                                        GA                          30213                         1                      2                       11/1/2006                     10/1/2036                      9/1/2006                        2/1/2007
     353.44                          43500                       43500                      9.75                  AUBURN                                                          WA                          98001                         1                      2                       11/1/2006                     10/1/2036                     9/13/2006                        2/1/2007
     124.32                       17944.71                       18000                     7.375                  AUSTIN                                                          TX                          78748                         1                      2                       11/1/2006                     10/1/2021                      9/1/2006                        2/1/2007
        350                          34979                       35000                        12                  SACRAMENTO                                                      CA                          95838                         1                      2                       11/1/2006                     10/1/2036                     9/13/2006                        2/1/2007
     572.81                          58500                       58500                     11.75                  PITTSBURG                                                       CA                          94565                         1                      2                       10/1/2006                      9/1/2036                     8/29/2006                        2/1/2007
        195                          20800                       20800                     11.25                  COLLEGE STATION                                                 TX                          77845                         2                      2                       11/1/2006                     10/1/2036                      9/8/2006                        2/1/2007
      337.5                          40500                       40500                        10                  FAIRFIELD                                                       CA                          94533                         1                      2                       10/1/2006                      9/1/2036                     8/30/2006                        2/1/2007
     495.21                       51905.58                       52000                        11                  ANTIOCH                                                         CA                          94531                         1                      2                       10/1/2006                      9/1/2021                     8/30/2006                        2/1/2007
     241.67                       28746.25                       29000                        10                  CLATSKANIE                                                      OR                          97016                         1                      2                        1/1/2007                     12/1/2036                     11/9/2006                        2/1/2007
     198.25                       24201.61                       24400                      9.75                  STRASBURG                                                       VA                          22657                         1                      2                       11/1/2006                     10/1/2036                      9/7/2006                        2/1/2007
     427.08                       49927.08                       50000                     10.25                  RIALTO                                                          CA                          92376                         1                      2                       10/1/2006                      9/1/2036                     8/25/2006                        2/1/2007
     479.38                       58437.63                       59000                      9.75                  VALLEJO                                                         CA                          94589                         1                      2                       11/1/2006                     10/1/2036                      9/6/2006                        2/1/2007
     255.94                          31500                       31500                      9.75                  NORTH MIAMI BEACH                                               FL                          33161                         1                      2                       11/1/2006                     10/1/2036                      9/1/2006                        2/1/2007
     492.93                          59900                       59900                     9.875                  REDWOOD CITY                                                    CA                          94065                         1                      2                       11/1/2006                     10/1/2036                      9/1/2006                        2/1/2007
     294.05                       31451.91                       31500                     10.75                  CARSON                                                          CA                          90810                         1                      2                       11/1/2006                     10/1/2021                     9/15/2006                        2/1/2007
     191.98                        19380.8                       19400                    11.875                  WOODINVILLE                                                     WA                          98072                         1                      2                       11/1/2006                     10/1/2036                     9/11/2006                        2/1/2007
     285.47                        26075.2                       26100                    13.125                  KALISPELL                                                       MT                          59901                         1                      2                       11/1/2006                     10/1/2036                     9/13/2006                        2/1/2007
        253                          27453                       27600                        11                  RIVERVIEW                                                       FL                          33568                         1                      2                       11/1/2006                     10/1/2036                      9/8/2006                        2/1/2007
      422.5                          52000                       52000                      9.75                  HERNDON                                                         VA                          20170                         1                      2                       11/1/2006                     10/1/2036                      9/5/2006                        2/1/2007
     494.48                          50500                       50500                     11.75                  PACOIMA                                                         CA                          91331                         1                      2                       10/1/2006                      9/1/2036                     8/28/2006                        2/1/2007
     313.54                          35000                       35000                     10.75                  AVON                                                            CO                          81620                         1                      2                       11/1/2006                     10/1/2036                     9/18/2006                        2/1/2007
     381.36                       34095.57                       34500                      10.5                  APPLE VALLEY                                                    CA                          92307                         1                      2                       10/1/2006                      9/1/2021                     8/30/2006                        2/1/2007
     127.27                          14900                       14900                     10.25                  ARLINGTON                                                       TX                          76002                         1                      2                       10/1/2006                      9/1/2036                     8/30/2006                        2/1/2007
     331.88                          29500                       29500                      13.5                  LITCHFIELD PARK                                                 AZ                          85340                         1                      2                       11/1/2006                     10/1/2036                     9/13/2006                        2/1/2007
     666.25                       77996.25                       78000                     10.25                  LAS VEGAS                                                       NV                          89178                         1                      2                       11/1/2006                     10/1/2036                     9/15/2006                        2/1/2007
      427.5                          57000                       57000                         9                  WINDSOR                                                         CA                          95492                         1                      2                       11/1/2006                     10/1/2036                     9/14/2006                        2/1/2007
     194.19                          23900                       23900                      9.75                  KIRKLAND                                                        WA                          98034                         1                      2                       11/1/2006                     10/1/2036                     9/12/2006                        2/1/2007
     442.75                          48300                       48300                        11                  LAS VEGAS                                                       NV                          89178                         1                      2                       11/1/2006                     10/1/2036                      9/8/2006                        2/1/2007
     965.74                         111700                      111700                    10.375                  EASTSOUND                                                       WA                          98245                         1                      2                       11/1/2006                     10/1/2036                      9/8/2006                        2/1/2007
      812.5                         100000                      100000                      9.75                  FREMONT                                                         CA                          94538                         1                      2                       10/1/2006                      9/1/2036                     8/28/2006                        2/1/2007
     273.75                       36373.75                       36500                         9                  MORENO VALLEY                                                   CA                          92557                         1                      2                       11/1/2006                     10/1/2036                     9/14/2006                        2/1/2007
        300                          36000                       36000                        10                  LOS ANGELES                                                     CA                          90002                         1                      2                       10/1/2006                      9/1/2036                     8/28/2006                        2/1/2007
     239.88                       30285.49                       30300                       9.5                  SOUTH LAKE TAHOE                                                CA                          96150                         1                      2                       10/1/2006                      9/1/2036                     8/25/2006                        2/1/2007
      122.8                       12307.36                       12400                      11.5                  BOISE                                                           ID                          83706                         1                      2                       11/1/2006                     10/1/2021                     9/11/2006                        2/1/2007
     618.31                          76100                       76100                      9.75                  SAN JOSE                                                        CA                          95148                         1                      2                       10/1/2006                      9/1/2036                     8/30/2006                        2/1/2007
     514.08                        56109.5                       56200                      10.5                  WASHINGTON                                                      DC                          20011                         1                      2                       11/1/2006                     10/1/2021                      9/6/2006                        2/1/2007
      112.5                          11990                       12000                     11.25                  CAMDEN                                                          DE                          19934                         1                      2                       11/1/2006                     10/1/2036                     9/25/2006                        2/1/2007
     504.17                       54847.57                       55000                        11                  WARRENTON                                                       VA                          20187                         1                      2                       11/1/2006                     10/1/2036                     9/21/2006                        2/1/2007
     220.31                       23470.31                       23500                     11.25                  CAMDEN                                                          DE                          19934                         1                      2                       11/1/2006                     10/1/2036                     9/25/2006                        2/1/2007
      84.09                        9894.18                       10000                       9.5                  CARMICHAEL                                                      CA                          95608                         1                      2                       10/1/2006                      9/1/2021                     8/25/2006                        2/1/2007
     197.08                          21500                       21500                        11                  BROOKLYN PARK                                                   MN                          55444                         1                      2                       10/1/2006                      9/1/2036                     8/25/2006                        2/1/2007
     286.88                          30600                       30600                     11.25                  SEATTLE                                                         WA                          98168                         2                      2                       11/1/2006                     10/1/2036                     9/21/2006                        2/1/2007
     147.77                       17247.77                       17300                     10.25                  ALBUQUERQUE                                                     NM                          87121                         1                      2                       11/1/2006                     10/1/2036                     9/20/2006                        2/1/2007
     134.15                       13690.85                       13700                     11.75                  MIAMI                                                           FL                          33015                         1                      2                       11/1/2006                     10/1/2021                     9/18/2006                        2/1/2007
     316.04                          41000                       41000                      9.25                  SUNNYVALE                                                       CA                          94089                         1                      2                       11/1/2006                     10/1/2036                      9/1/2006                        2/1/2007
     426.25                       46489.95                       46500                        11                  GRANDVIEW                                                       MO                          64030                         1                      2                       11/1/2006                     10/1/2036                     9/13/2006                        2/1/2007
        255                          25500                       25500                        12                  PHOENIX                                                         AZ                          85008                         1                      2                       12/1/2006                     11/1/2036                     10/5/2006                        2/1/2007
     249.32                       24592.07                       24700                     11.75                  THORNTON                                                        CO                          80241                         1                      2                       11/1/2006                     10/1/2021                      9/8/2006                        2/1/2007
     490.42                       53480.75                       53500                        11                  HAYWARD                                                         CA                          94541                         1                      2                       11/1/2006                     10/1/2036                     9/12/2006                        2/1/2007
     264.85                       26205.25                       26500                      8.75                  SEATTLE                                                         WA                          98116                         1                      2                       11/1/2006                     10/1/2021                     9/11/2006                        2/1/2007
     249.38                          28500                       28500                      10.5                  LAS VEGAS                                                       NV                          89131                         1                      2                       10/1/2006                      9/1/2036                     8/27/2006                        2/1/2007
     242.06                       23074.62                       23100                     12.25                  MESA                                                            AZ                          85204                         3                      2                       11/1/2006                     10/1/2021                     9/28/2006                        2/1/2007
     249.32                       24669.69                       24700                     11.75                  PHOENIX                                                         AZ                          85037                         1                      2                       11/1/2006                     10/1/2021                     9/28/2006                        2/1/2007
     376.19                       35860.56                       35900                     12.25                  MESA                                                            AZ                          85213                         4                      2                       11/1/2006                     10/1/2021                     9/28/2006                        2/1/2007
     269.51                       26667.24                       26700                     11.75                  MESA                                                            AZ                          85212                         1                      2                       11/1/2006                     10/1/2021                     9/28/2006                        2/1/2007
     492.75                          64800                       64800                     9.125                  PLEASANTON                                                      CA                          94588                         1                      2                       11/1/2006                     10/1/2036                     9/11/2006                        2/1/2007
    1329.17                         116000                      116000                     13.75                  LOS ANGELES                                                     CA                          91367                         1                      2                       11/1/2006                     10/1/2036                     9/19/2006                        2/1/2007
     163.57                       17665.14                       17700                    10.625                  SAN ANTONIO                                                     TX                          78212                         2                      2                       10/1/2006                      9/1/2021                     8/30/2006                        2/1/2007
     361.46                       36434.21                       36500                      11.5                  JUPITER                                                         FL                          33458                         1                      2                       11/1/2006                     10/1/2021                      9/6/2006                        2/1/2007
     251.88                       30748.12                       31000                      9.75                  SILVER SPRING                                                   MD                          20906                         1                      2                        1/1/2007                     12/1/2036                     11/1/2006                        2/1/2007
     211.98                          27500                       27500                      9.25                  NORTH LAS VEGAS                                                 NV                          89031                         1                      2                       11/1/2006                     10/1/2036                     9/11/2006                        2/1/2007
     324.73                       34927.89                       35500                      10.5                  LOS ANGELES                                                     CA                          91304                         1                      2                       12/1/2006                     11/1/2021                     10/4/2006                        2/1/2007
     148.75                          17000                       17000                      10.5                  SAN ANTONIO                                                     TX                          78245                         2                      2                       11/1/2006                     10/1/2036                     9/12/2006                        2/1/2007
     138.16                       14777.38                       14800                     10.75                  FORT WORTH                                                      TX                          76248                         1                      2                       11/1/2006                     10/1/2021                     9/22/2006                        2/1/2007
     168.75                          18000                       18000                     11.25                  GREELEY                                                         CO                          80634                         1                      2                       10/1/2006                      9/1/2036                     8/31/2006                        2/1/2007
     573.75                       76444.86                       76500                         9                  BELLEVUE                                                        WA                          98005                         1                      2                       11/1/2006                     10/1/2036                      9/6/2006                        2/1/2007
     169.89                       18172.24                       18200                     10.75                  FORT WORTH                                                      TX                          76248                         1                      2                       11/1/2006                     10/1/2021                     9/22/2006                        2/1/2007
     397.94                       39749.76                       39800                    11.625                  STANWOOD                                                        WA                          98292                         2                      2                       11/1/2006                     10/1/2021                     9/19/2006                        2/1/2007
     520.92                       51802.94                       53200                     11.75                  LAUREL                                                          MD                          20707                         1                      2                       11/1/2006                     10/1/2036                     9/15/2006                        2/1/2007
     119.94                       11258.63                       11400                    12.625                  BIRMINGHAM                                                      AL                          35235                         1                      2                       11/1/2006                     10/1/2036                     9/12/2006                        2/1/2007
     175.16                          17700                       17700                    11.875                  DECATUR                                                         GA                          30034                         1                      2                       11/1/2006                     10/1/2036                     9/21/2006                        2/1/2007
     267.19                          34146                       34200                     9.375                  WESLEY CHAPEL                                                   FL                          33543                         1                      2                       12/1/2006                     11/1/2036                    10/17/2006                        2/1/2007
     317.95                       31759.87                       31800                    11.625                  COLLEGE STATION                                                 TX                          77845                         2                      2                       11/1/2006                     10/1/2021                      9/1/2006                        2/1/2007
     197.03                          19500                       19500                    12.125                  FORT COLLINS                                                    CO                          80521                         1                      2                       10/1/2006                      9/1/2036                      9/5/2006                        2/1/2007
     483.75                          54000                       54000                     10.75                  SOLEDAD                                                         CA                          93960                         1                      2                       12/1/2006                     11/1/2036                     10/4/2006                        2/1/2007
     279.71                       33910.49                       34000                      9.25                  SAINT CHARLES                                                   MO                          63303                         1                      2                       10/1/2006                      9/1/2021                      9/7/2006                        2/1/2007
     120.98                       12084.74                       12100                    11.625                  SAN ANTONIO                                                     TX                          78244                         1                      2                       11/1/2006                     10/1/2021                      9/6/2006                        2/1/2007
     377.71                          49000                       49000                      9.25                  SHREWSBURY                                                      PA                          17361                         1                      2                       12/1/2006                     11/1/2036                     10/3/2006                        2/1/2007
     215.63                          23000                       23000                     11.25                  MISSION HILLS                                                   CA                          91345                         1                      2                       11/1/2006                     10/1/2036                     9/15/2006                        2/1/2007
     281.88                       32999.87                       33000                     10.25                  LAS VEGAS                                                       NV                          89123                         1                      2                       11/1/2006                     10/1/2036                     9/11/2006                        2/1/2007
     326.67                       39183.29                       39200                        10                  SACRAMENTO                                                      CA                          95823                         1                      2                       11/1/2006                     10/1/2036                      9/6/2006                        2/1/2007
     233.33                        27909.8                       28000                        10                  SANDSTON                                                        VA                          23150                         1                      2                       11/1/2006                     10/1/2036                     9/29/2006                        2/1/2007
        675                       89347.56                       90000                         9                  EVERETT                                                         WA                          98201                         1                      2                       11/1/2006                     10/1/2036                      9/5/2006                        2/1/2007
     240.02                       28090.02                       28100                     10.25                  MIAMI                                                           FL                          33177                         1                      2                       11/1/2006                     10/1/2036                     9/29/2006                        2/1/2007
     480.33                          52400                       52400                        11                  LOS BANOS                                                       CA                          93635                         1                      2                       11/1/2006                     10/1/2036                     9/12/2006                        2/1/2007
      437.5                          52495                       52500                        10                  SEATTLE                                                         WA                          98117                         1                      2                       11/1/2006                     10/1/2036                      9/1/2006                        2/1/2007
     241.67                          29000                       29000                        10                  BEND                                                            OR                          97702                         1                      2                       10/1/2006                      9/1/2036                     8/30/2006                        2/1/2007
     261.89                       27460.22                       27500                        11                  MORENO VALLEY                                                   CA                          92555                         1                      2                       11/1/2006                     10/1/2021                     9/13/2006                        2/1/2007
      547.5                          73000                       73000                         9                  CHANDLER                                                        AZ                          85249                         1                      2                       11/1/2006                     10/1/2036                     9/14/2006                        2/1/2007
     664.32                       58450.02                       58500                    13.375                  RANCHO CUCAMONGA                                                CA                          91739                         1                      2                       11/1/2006                     10/1/2021                     9/22/2006                        2/1/2007
      298.5                       39678.82                       39800                         9                  CINCINNATI                                                      OH                          45248                         1                      2                       10/1/2006                      9/1/2036                     8/30/2006                        2/1/2007
        300                          32000                       32000                     11.25                  SAN BERNARDINO                                                  CA                          92402                         1                      2                       11/1/2006                     10/1/2021                      9/5/2006                        2/1/2007
     220.86                       20377.42                       20700                     9.875                  NAPLES                                                          FL                          34117                         1                      2                       11/1/2006                     10/1/2021                     9/22/2006                        2/1/2007
     609.38                       58469.53                       58500                      12.5                  KLAMATH FALLS                                                   OR                          97601                         1                      2                       11/1/2006                     10/1/2036                     9/26/2006                        2/1/2007
     149.48                          17500                       17500                     10.25                  WHITE MARSH                                                     MD                          21162                         1                      2                       11/1/2006                     10/1/2036                     9/29/2006                        2/1/2007
        120                          15900                       16000                         9                  OREGON CITY                                                     OR                          97045                         1                      2                       11/1/2006                     10/1/2036                     9/25/2006                        2/1/2007
     644.06                          68700                       68700                     11.25                  SAN JOSE                                                        CA                          95122                         1                      2                       11/1/2006                     10/1/2036                     9/18/2006                        2/1/2007
     199.77                       21367.18                       21400                     10.75                  AUSTIN                                                          TX                          78758                         2                      2                       11/1/2006                     10/1/2021                     9/12/2006                        2/1/2007
      162.5                          20000                       20000                      9.75                  TACOMA                                                          WA                          98404                         1                      2                       11/1/2006                     10/1/2036                     9/12/2006                        2/1/2007
     404.25                          53900                       53900                         9                  WEST COVINA                                                     CA                          91791                         1                      2                       10/1/2006                      9/1/2036                     8/29/2006                        2/1/2007
      479.5                          54800                       54800                      10.5                  HERNDON                                                         VA                          20171                         1                      2                       11/1/2006                     10/1/2021                      9/8/2006                        2/1/2007
     259.79                       28831.55                       29000                     10.75                  VANCOUVER                                                       WA                          98686                         1                      2                       11/1/2006                     10/1/2036                      9/6/2006                        2/1/2007
     158.69                       16482.68                       16500                    11.125                  AUSTIN                                                          TX                          78723                         1                      2                       12/1/2006                     11/1/2021                     10/3/2006                        2/1/2007
     490.83                       61709.17                       62000                       9.5                  LATHROP                                                         CA                          95330                         1                      2                       11/1/2006                     10/1/2036                     9/13/2006                        2/1/2007
     104.13                           9200                       10200                     12.25                  PHILADELPHIA                                                    PA                          19111                         1                      2                       12/1/2006                     11/1/2036                     10/3/2006                        2/1/2007
     164.46                       17088.09                       17100                    11.125                  AUSTIN                                                          TX                          78723                         1                      2                        1/1/2007                     12/1/2021                     11/9/2006                        2/1/2007
     543.75                          72500                       72500                         9                  BRENTWOOD                                                       CA                          94513                         1                      2                       11/1/2006                     10/1/2036                     9/12/2006                        2/1/2007
        570                          71050                       72000                       9.5                  SANTA CLARA                                                     CA                          95051                         1                      2                       11/1/2006                     10/1/2036                      9/1/2006                        2/1/2007
     311.19                          38300                       38300                      9.75                  PORTLAND                                                        OR                          97220                         1                      2                       11/1/2006                     10/1/2036                      9/1/2006                        2/1/2007
     271.33                          29600                       29600                        11                  SACRAMENTO                                                      CA                          95815                         1                      2                       11/1/2006                     10/1/2036                      9/5/2006                        2/1/2007
     205.83                          26000                       26000                       9.5                  GOODYEAR                                                        AZ                          85338                         1                      2                       12/1/2006                     11/1/2036                    10/18/2006                        2/1/2007
        690                          69000                       69000                        12                  LOS ANGELES                                                     CA                          91401                         1                      2                       11/1/2006                     10/1/2036                     9/11/2006                        2/1/2007
     672.11                       71890.09                       72000                     10.75                  OAKDALE                                                         CA                          95361                         1                      2                       11/1/2006                     10/1/2021                      9/8/2006                        2/1/2007
      487.5                          52000                       52000                     11.25                  LAS VEGAS                                                       NV                          89135                         1                      2                       11/1/2006                     10/1/2036                     9/14/2006                        2/1/2007
     111.92                          15800                       15800                       8.5                  CELINA                                                          TX                          75009                         1                      2                       11/1/2006                     10/1/2036                     9/18/2006                        2/1/2007
      93.35                        9984.73                       10000                     10.75                  HOUSTON                                                         TX                          77033                         1                      2                       11/1/2006                     10/1/2021                     9/20/2006                        2/1/2007
     556.56                          68500                       68500                      9.75                  MANALAPAN                                                       NJ                           7726                         1                      2                       11/1/2006                     10/1/2036                      9/8/2006                        2/1/2007
     289.84                       26489.73                       26500                    13.125                  KALISPELL                                                       MT                          59901                         1                      2                       11/1/2006                     10/1/2036                     9/13/2006                        2/1/2007
     113.08                       11767.99                       11800                      11.5                  HOPEDALE                                                        OH                          43976                         1                      2                       10/1/2006                      9/1/2036                      9/5/2006                        2/1/2007
     423.95                       41948.45                       42000                     11.75                  MURRIETA                                                        CA                          92563                         1                      2                       11/1/2006                     10/1/2021                     9/11/2006                        2/1/2007
     504.08                       53896.51                       54000                     10.75                  CHULA VISTA                                                     CA                          91915                         1                      2                       10/1/2006                      9/1/2021                     8/31/2006                        2/1/2007
     558.13                          57000                       57000                     11.75                  SAINT PAUL                                                      MN                          55104                         2                      2                       11/1/2006                     10/1/2036                     9/11/2006                        2/1/2007
     216.56                          23100                       23100                     11.25                  LAFAYETTE                                                       IN                          47909                         2                      2                       10/1/2006                      9/1/2036                      9/1/2006                        2/1/2007
      90.54                       10571.38                       10600                     10.25                  ARLINGTON                                                       TX                          76012                         2                      2                       11/1/2006                     10/1/2036                      9/8/2006                        2/1/2007
     233.75                       25488.32                       25500                        11                  SARASOTA                                                        FL                          34234                         1                      2                       11/1/2006                     10/1/2036                      9/8/2006                        2/1/2007
     446.88                       40608.33                       41000                     10.25                  MORENO VALLEY                                                   CA                          92555                         1                      2                       11/1/2006                     10/1/2021                     9/11/2006                        2/1/2007
        283                          28300                       28300                        12                  APPLE VALLEY                                                    MN                          55124                         1                      2                       12/1/2006                     11/1/2036                    10/10/2006                        2/1/2007
     103.82                        9985.83                       10000                    12.125                  DALLAS                                                          TX                          75241                         1                      2                       10/1/2006                      9/1/2021                     8/30/2006                        2/1/2007
     536.25                          58495                       58500                        11                  SEATTLE                                                         WA                          98199                         1                      2                       11/1/2006                     10/1/2036                      9/8/2006                        2/1/2007
     408.06                       33723.65                       34000                        12                  DANIA                                                           FL                          33004                         4                      2                       11/1/2006                     10/1/2021                     9/29/2006                        2/1/2007
        407                       43533.45                       43600                     10.75                  SEATTLE                                                         WA                          98106                         1                      2                       11/1/2006                     10/1/2021                     9/11/2006                        2/1/2007
     321.34                          33900                       33900                    11.375                  NORTH LAS VEGAS                                                 NV                          89081                         1                      2                       11/1/2006                     10/1/2036                     9/12/2006                        2/1/2007
     796.88                          85000                       85000                     11.25                  SAN JOSE                                                        CA                          95136                         1                      2                       11/1/2006                     10/1/2036                     9/12/2006                        2/1/2007
     177.38                          19800                       19800                     10.75                  PROVO                                                           UT                          84606                         1                      2                       11/1/2006                     10/1/2036                     9/19/2006                        2/1/2007
     300.63                          37000                       37000                      9.75                  TURLOCK                                                         CA                          95382                         1                      2                       11/1/2006                     10/1/2036                      9/6/2006                        2/1/2007
     234.79                          24500                       24500                      11.5                  SAINT LOUIS                                                     MO                          63104                         2                      2                       11/1/2006                     10/1/2036                     9/20/2006                        2/1/2007
     306.25                          35000                       35000                      10.5                  PERRIS                                                          CA                          92570                         1                      2                       11/1/2006                     10/1/2021                      9/1/2006                        2/1/2007
        312                          31200                       31200                        12                  SAINT LOUIS                                                     MO                          63109                         4                      2                       11/1/2006                     10/1/2036                     9/19/2006                        2/1/2007
     531.67                       57967.78                       58000                        11                  WESTMINSTER                                                     CA                          92683                         1                      2                       11/1/2006                     10/1/2036                     9/12/2006                        2/1/2007
     418.44                          51500                       51500                      9.75                  MENIFEE                                                         CA                          92854                         1                      2                       11/1/2006                     10/1/2036                      9/8/2006                        2/1/2007
     104.55                        11110.3                       11200                     10.75                  SAN ANTONIO                                                     TX                          78245                         1                      2                       11/1/2006                     10/1/2021                      9/6/2006                        2/1/2007
        275                       29984.86                       30000                        11                  GROSSE POINTE WOODS                                             MI                          48326                         1                      2                       10/1/2006                      9/1/2036                      9/8/2006                        2/1/2007
     484.31                          56700                       56700                     10.25                  SIMI VALLEY                                                     CA                          93063                         1                      2                       11/1/2006                     10/1/2036                      9/8/2006                        2/1/2007
      247.5                       26992.43                       27000                        11                  PASADENA                                                        MD                          21122                         1                      2                       11/1/2006                     10/1/2036                     9/13/2006                        2/1/2007
     636.46                          65000                       65000                     11.75                  SAN JOSE                                                        CA                          95122                         1                      2                       10/1/2006                      9/1/2036                     8/31/2006                        2/1/2007
     205.83                          19000                       19000                        13                  ATLANTA                                                         GA                          30315                         1                      2                       11/1/2006                     10/1/2036                     9/21/2006                        2/1/2007
     201.25                          21000                       21000                      11.5                  ROSENBERG                                                       TX                          77471                         4                      2                       11/1/2006                     10/1/2036                     9/15/2006                        2/1/2007
     174.17                       17417.12                       17600                    11.875                  LAS VEGAS                                                       NV                          89103                         1                      2                       12/1/2006                     11/1/2036                     10/3/2006                        2/1/2007
     174.17                       17417.12                       17600                    11.875                  LAS VEGAS                                                       NV                          89103                         1                      2                       12/1/2006                     11/1/2036                     10/2/2006                        2/1/2007
      173.3                       17459.48                       17500                      11.5                  VANCOUVER                                                       WA                          98663                         1                      2                       11/1/2006                     10/1/2021                     9/12/2006                        2/1/2007
     243.75                       29999.75                       30000                      9.75                  SAN MATEO                                                       CA                          94401                         1                      2                       10/1/2006                      9/1/2036                     8/31/2006                        2/1/2007
        200                          24000                       24000                        10                  STOCKTON                                                        CA                          95206                         1                      2                       11/1/2006                     10/1/2036                     9/15/2006                        2/1/2007
     313.33                          32000                       32000                     11.75                  WESTON                                                          CO                          81091                         1                      2                       11/1/2006                     10/1/2036                     9/13/2006                        2/1/2007
     188.13                          17200                       17200                    13.125                  OGDEN                                                           UT                          84404                         1                      2                       11/1/2006                     10/1/2036                      9/1/2006                        2/1/2007
     389.58                          42500                       42500                        11                  STATEN ISLAND                                                   NY                          10304                         1                      2                       11/1/2006                     10/1/2036                     9/15/2006                        2/1/2007
     197.08                          21500                       21500                        11                  PORTLAND                                                        OR                          97230                         1                      2                       11/1/2006                     10/1/2036                     9/14/2006                        2/1/2007
      236.5                       25788.17                       25800                        11                  ANNAPOLIS                                                       MD                          21401                         1                      2                       12/1/2006                     11/1/2036                     11/2/2006                        2/1/2007
     216.13                          22800                       22800                    11.375                  ROY                                                             UT                          84067                         1                      2                       11/1/2006                     10/1/2036                     9/11/2006                        2/1/2007
        720                          72000                       72000                        12                  VALLEJO                                                         CA                          94591                         1                      2                       11/1/2006                     10/1/2036                      9/6/2006                        2/1/2007
      302.5                       32679.35                       33000                        11                  PATTERSON                                                       CA                          95363                         1                      2                        1/1/2007                     12/1/2036                    11/10/2006                        2/1/2007
     601.25                          74000                       74000                      9.75                  SAN JOSE                                                        CA                          95136                         1                      2                       11/1/2006                     10/1/2036                      9/7/2006                        2/1/2007
     389.58                          42500                       42500                        11                  LOS ANGELES                                                     CA                          90002                         1                      2                       11/1/2006                     10/1/2036                      9/7/2006                        2/1/2007
     543.75                          72500                       72500                         9                  NEWARK                                                          CA                          94560                         1                      2                       11/1/2006                     10/1/2036                     9/14/2006                        2/1/2007
     250.64                       27367.04                       27400                      10.5                  WINDERMERE                                                      FL                          34786                         1                      2                       12/1/2006                     11/1/2021                     10/6/2006                        2/1/2007
     657.26                       64422.94                       64500                    11.875                  HOUSTON                                                         TX                          77055                         1                      2                       11/1/2006                     10/1/2021                      9/1/2006                        2/1/2007
     110.83                       11191.33                       11200                    11.875                  WESTERVILLE                                                     OH                          43081                         1                      2                       11/1/2006                     10/1/2036                     10/2/2006                        2/1/2007
     148.33                          17800                       17800                        10                  SAINT LOUIS                                                     MO                          63104                         2                      2                       12/1/2006                     11/1/2036                    10/17/2006                        2/1/2007
     379.17                          45500                       45500                        10                  MORENO VALLEY                                                   CA                          92551                         1                      2                       11/1/2006                     10/1/2036                     9/18/2006                        2/1/2007
     819.56                          84600                       84600                    11.625                  GERMANTOWN                                                      MD                          20874                         1                      2                       12/1/2006                     11/1/2036                    10/23/2006                        2/1/2007
     166.46                          17000                       17000                     11.75                  WOODBRIDGE                                                      VA                          22193                         1                      2                       11/1/2006                     10/1/2036                     9/11/2006                        2/1/2007
     342.59                       36643.98                       36700                     10.75                  ADELANTO                                                        CA                          92301                         1                      2                       11/1/2006                     10/1/2021                     9/13/2006                        2/1/2007
      412.5                       54987.36                       55000                         9                  CHICAGO                                                         IL                          60646                         1                      2                       11/1/2006                     10/1/2036                     9/21/2006                        2/1/2007
     385.79                          39400                       39400                     11.75                  VICTORIA                                                        MN                          55386                         1                      2                       11/1/2006                     10/1/2036                     9/29/2006                        2/1/2007
     381.88                          47000                       47000                      9.75                  CATHEDRAL CITY                                                  CA                          92234                         1                      2                       11/1/2006                     10/1/2036                     9/20/2006                        2/1/2007
      292.5                          39000                       39000                         9                  HENDERSON                                                       NV                          89002                         1                      2                       11/1/2006                     10/1/2036                      9/5/2006                        2/1/2007
     342.83                          37400                       37400                        11                  LAS VEGAS                                                       NV                          89178                         1                      2                       12/1/2006                     11/1/2036                     10/4/2006                        2/1/2007
        400                          47800                       48000                        10                  BROOKLYN                                                        NY                          11210                         2                      2                       11/1/2006                     10/1/2036                     9/13/2006                        2/1/2007
      64.58                         9954.1                       10000                      7.75                  MARSHALL                                                        MN                          56258                         1                      2                       11/1/2006                     10/1/2036                     9/18/2006                        2/1/2007
      213.5                          24400                       24400                      10.5                  APPLE VALLEY                                                    MN                          55124                         1                      2                       11/1/2006                     10/1/2036                      9/6/2006                        2/1/2007
        375                          39995                       40000                     11.25                  CITRUS HEIGHTS                                                  CA                          95610                         1                      2                       11/1/2006                     10/1/2036                     9/13/2006                        2/1/2007
      302.5                       32947.02                       33000                        11                  TIGARD                                                          OR                          97224                         1                      2                       11/1/2006                     10/1/2036                      9/7/2006                        2/1/2007
     272.33                       27464.34                       27500                      11.5                  COVINGTON                                                       WA                          98042                         1                      2                       11/1/2006                     10/1/2021                      9/7/2006                        2/1/2007
     726.04                          85000                       85000                     10.25                  PALMDALE                                                        CA                          93551                         1                      2                       11/1/2006                     10/1/2036                      9/5/2006                        2/1/2007
     328.13                       34983.59                       35000                     11.25                  HYATTSVILLE                                                     MD                          20784                         1                      2                       11/1/2006                     10/1/2036                     9/11/2006                        2/1/2007
     110.83                       13994.42                       14000                       9.5                  JACKSONVILLE                                                    FL                          32244                         1                      2                       11/1/2006                     10/1/2036                     9/11/2006                        2/1/2007
        210                           8000                       24000                      10.5                  JACKSONVILLE                                                    FL                          32219                         1                      2                       11/1/2006                     10/1/2036                     9/11/2006                        2/1/2007
     434.61                        48417.6                       48500                     10.25                  METHUEN                                                         MA                           1844                         1                      2                       11/1/2006                     10/1/2021                     9/21/2006                        2/1/2007
     358.59                       32585.73                       32900                     10.25                  OAK LAWN                                                        IL                          60453                         1                      2                       11/1/2006                     10/1/2021                     9/15/2006                        2/1/2007
     159.92                          20200                       20200                       9.5                  PENNSVILLE                                                      NJ                           8070                         1                      2                       12/1/2006                     11/1/2021                    10/11/2006                        2/1/2007
     268.85                          29000                       29000                    11.125                  ALEXANDRIA                                                      VA                          22309                         1                      2                       12/1/2006                     11/1/2036                     10/4/2006                        2/1/2007
     610.75                        69152.6                       69800                      10.5                  DISCOVERY BAY                                                   CA                          94514                         1                      2                       11/1/2006                     10/1/2036                     9/22/2006                        2/1/2007
      104.5                          11400                       11400                        11                  GRIFFIN                                                         GA                          30224                         1                      2                       11/1/2006                     10/1/2036                     9/15/2006                        2/1/2007
      192.6                          21500                       21500                     10.75                  MANTECA                                                         CA                          95336                         1                      2                       11/1/2006                     10/1/2036                     9/22/2006                        2/1/2007
     1263.9                      117526.34                      117800                    12.875                  LOS ANGELES                                                     CA                          90008                         4                      2                       11/1/2006                     10/1/2036                     9/26/2006                        2/1/2007
      385.5                       27189.64                       27700                     11.25                  BLOOMFIELD HILLS                                                MI                          48304                         1                      2                       11/1/2006                     10/1/2016                     9/28/2006                        2/1/2007
      237.5                          24000                       24000                    11.875                  BRADENTON                                                       FL                          34203                         2                      2                       11/1/2006                     10/1/2036                     9/13/2006                        2/1/2007
     169.58                       16779.38                       16800                     11.75                  SAN ANTONIO                                                     TX                          78217                         1                      2                       11/1/2006                     10/1/2021                     9/15/2006                        2/1/2007
      84.79                          11000                       11000                      9.25                  SAINT LOUIS                                                     MO                          63137                         1                      2                       11/1/2006                     10/1/2036                     9/25/2006                        2/1/2007
     695.21                          71000                       71000                     11.75                  BRISTOW                                                         VA                          20112                         1                      2                       12/1/2006                     11/1/2036                    10/12/2006                        2/1/2007
     200.53                       21665.98                       21700                    10.625                  MIDLOTHIAN                                                      TX                          76065                         2                      2                       11/1/2006                     10/1/2021                     9/18/2006                        2/1/2007
     204.17                          24500                       24500                        10                  SAINT PAUL                                                      MN                          55117                         1                      2                       11/1/2006                     10/1/2036                     9/27/2006                        2/1/2007
     120.44                          12300                       12300                     11.75                  DES MOINES                                                      IA                          50310                         1                      2                       11/1/2006                     10/1/2036                     9/18/2006                        2/1/2007
      365.9                       39923.05                       40000                      10.5                  EL CENTRO                                                       CA                          92243                         1                      2                       11/1/2006                     10/1/2021                      9/8/2006                        2/1/2007
        125                          15000                       15000                        10                  VADNAIS HEIGHTS                                                 MN                          55127                         1                      2                       11/1/2006                     10/1/2021                     9/14/2006                        2/1/2007
      91.67                          10000                       10000                        11                  EL PASO                                                         TX                          79938                         1                      2                       11/1/2006                     10/1/2036                     9/20/2006                        2/1/2007
        255                          34000                       34000                         9                  CHELSEA                                                         MA                           2150                         1                      2                       12/1/2006                     11/1/2036                    10/11/2006                        2/1/2007
      162.5                          19500                       19500                        10                  SAINT PAUL                                                      MN                          55106                         1                      2                       11/1/2006                     10/1/2036                     9/25/2006                        2/1/2007
     239.25                          26100                       26100                        11                  HENDERSON                                                       NV                          89015                         1                      2                       12/1/2006                     11/1/2036                     10/4/2006                        2/1/2007
        200                          24000                       24000                        10                  JONESBORO                                                       GA                          30238                         1                      2                       11/1/2006                     10/1/2036                     9/15/2006                        2/1/2007
     407.92                          44500                       44500                        11                  LINCOLN                                                         CA                          95648                         1                      2                       11/1/2006                     10/1/2036                     9/27/2006                        2/1/2007
      562.5                          75000                       75000                         9                  PORTLAND                                                        OR                          97086                         1                      2                       12/1/2006                     11/1/2036                    10/27/2006                        2/1/2007
     435.73                       43942.94                       44000                      11.5                  STOCKTON                                                        CA                          95209                         1                      2                       11/1/2006                     10/1/2021                     9/13/2006                        2/1/2007
     261.15                       22956.94                       23000                    13.625                  BOISE                                                           ID                          83702                         1                      2                       11/1/2006                     10/1/2036                      9/8/2006                        2/1/2007
     184.97                       18467.14                       18500                    11.625                  BULLHEAD CITY                                                   AZ                          86442                         1                      2                       11/1/2006                     10/1/2021                     9/21/2006                        2/1/2007
     169.75                          16800                       16800                    12.125                  TRINIDAD                                                        CO                          81082                         1                      2                       11/1/2006                     10/1/2036                     9/18/2006                        2/1/2007
        875                         100000                      100000                      10.5                  LOS ANGELES                                                     CA                          90022                         3                      2                       11/1/2006                     10/1/2036                      9/8/2006                        2/1/2007
     438.79                        49910.4                       50000                        10                  NORTH BEND                                                      WA                          98045                         1                      2                       11/1/2006                     10/1/2021                      9/1/2006                        2/1/2007
     186.88                          23000                       23000                      9.75                  NEWMAN                                                          CA                          95360                         1                      2                       11/1/2006                     10/1/2036                     9/14/2006                        2/1/2007
     182.08                          19000                       19000                      11.5                  ENGLEWOOD                                                       CO                          80113                         1                      2                       11/1/2006                     10/1/2036                     9/15/2006                        2/1/2007
     156.67                          16000                       16000                     11.75                  LAS VEGAS                                                       NV                          89142                         1                      2                        1/1/2007                     12/1/2036                     11/9/2006                        2/1/2007
     421.82                          45450                       45500                    11.125                  NORWALK                                                         CA                          90650                         1                      2                       11/1/2006                     10/1/2021                      9/8/2006                        2/1/2007
     379.69                          40500                       40500                     11.25                  HAVERHILL                                                       MA                           1835                         2                      2                       11/1/2006                     10/1/2036                     9/26/2006                        2/1/2007
     103.13                        9891.71                       10000                    12.375                  FORT WORTH                                                      TX                          76106                         1                      2                       11/1/2006                     10/1/2036                     9/15/2006                        2/1/2007
     916.67                         100000                      100000                        11                  GRESHAM                                                         OR                          97080                         1                      2                       11/1/2006                     10/1/2036                     9/27/2006                        2/1/2007
     300.09                          29700                       29700                    12.125                  FARMINGTON                                                      NM                          87401                         1                      2                       11/1/2006                     10/1/2036                     9/27/2006                        2/1/2007
     179.17                          20000                       20000                     10.75                  HAYWARD                                                         CA                          94545                         1                      2                       11/1/2006                     10/1/2036                     9/14/2006                        2/1/2007
     183.33                          20000                       20000                        11                  HILLSIDE                                                        NJ                           7205                         1                      2                       12/1/2006                     11/1/2036                    10/26/2006                        2/1/2007
     306.25                          30000                       30000                     12.25                  BOISE                                                           ID                          83704                         2                      2                       11/1/2006                     10/1/2036                     9/14/2006                        2/1/2007
     208.54                          26000                       26000                     9.625                  EAST ISLIP                                                      NY                          11730                         1                      2                       11/1/2006                     10/1/2036                     9/19/2006                        2/1/2007
     223.68                          19700                       19700                    13.625                  GOOSE CREEK                                                     SC                          29445                         1                      2                       11/1/2006                     10/1/2036                     9/25/2006                        2/1/2007
        375                          37500                       37500                        12                  NAMPA                                                           ID                          83686                         4                      2                       11/1/2006                     10/1/2036                     9/21/2006                        2/1/2007
     164.08                       17899.28                       17900                        11                  LAS VEGAS                                                       NV                          89110                         1                      2                       11/1/2006                     10/1/2036                      9/7/2006                        2/1/2007
     324.58                       32798.74                       32800                    11.875                  GOODYEAR                                                        AZ                          85338                         1                      2                       11/1/2006                     10/1/2036                     9/15/2006                        2/1/2007
      697.5                       90000.75                       93000                         9                  SAN FRANCISCO                                                   CA                          94112                         1                      2                       11/1/2006                     10/1/2036                      9/6/2006                        2/1/2007
     994.27                         115000                      115000                    10.375                  SOUTH SAN FRANCISCO                                             CA                          94080                         1                      2                       11/1/2006                     10/1/2036                     9/22/2006                        2/1/2007
     458.33                       54956.65                       55000                        10                  WHITTIER AREA                                                   CA                          90605                         1                      2                       11/1/2006                     10/1/2036                     9/19/2006                        2/1/2007
     365.41                       36155.54                       36200                     11.75                  MODESTO                                                         CA                          95355                         1                      2                       11/1/2006                     10/1/2021                     9/12/2006                        2/1/2007
     291.83                          27200                       27200                    12.875                  JONESBORO                                                       GA                          30236                         1                      2                       11/1/2006                     10/1/2036                     9/25/2006                        2/1/2007
      187.5                          20000                       20000                     11.25                  FAIRVIEW                                                        OR                          97024                         1                      2                       11/1/2006                     10/1/2036                     9/12/2006                        2/1/2007
     400.78                          40500                       40500                    11.875                  PUYALLUP                                                        WA                          98371                         1                      2                       11/1/2006                     10/1/2036                     9/12/2006                        2/1/2007
      229.5                          27200                       27200                    10.125                  PEYTON                                                          CO                          80831                         1                      2                       11/1/2006                     10/1/2036                     9/11/2006                        2/1/2007
     207.19                          19500                       19500                     12.75                  BELLINGHAM                                                      WA                          98226                         1                      2                       11/1/2006                     10/1/2036                     9/12/2006                        2/1/2007
     400.56                       44624.04                       44700                     10.25                  ANAHEIM                                                         CA                          92806                         1                      2                       11/1/2006                     10/1/2021                     9/18/2006                        2/1/2007
     490.42                          53500                       53500                        11                  MURRIETA                                                        CA                          92563                         1                      2                       11/1/2006                     10/1/2036                     9/28/2006                        2/1/2007
      181.5                          17600                       17600                    12.375                  SAINT ANN                                                       MO                          63074                         1                      2                       11/1/2006                     10/1/2021                     9/29/2006                        2/1/2007
     200.73                          20500                       20500                     11.75                  PARKVILLE                                                       MD                          21234                         1                      2                       11/1/2006                     10/1/2036                     9/18/2006                        2/1/2007
     363.75                          38800                       38800                     11.25                  FEDERAL WAY                                                     WA                          98003                         2                      2                       12/1/2006                     11/1/2036                    10/11/2006                        2/1/2007
        345                          34500                       34500                        12                  WOODBRIDGE                                                      VA                          22193                         1                      2                       11/1/2006                     10/1/2036                     9/22/2006                        2/1/2007
     302.08                          29000                       29000                      12.5                  ELLENDALE                                                       DE                          19941                         1                      2                       12/1/2006                     11/1/2036                    10/27/2006                        2/1/2007
    1002.66                      103439.84                      103500                    11.625                  SAN MATEO                                                       CA                          94402                         1                      2                       11/1/2006                     10/1/2036                     9/21/2006                        2/1/2007
     340.42                          38000                       38000                     10.75                  LAWRENCE                                                        MA                           1841                         3                      2                       11/1/2006                     10/1/2036                     9/21/2006                        2/1/2007
        250                          24000                       24000                      12.5                  FREDERICKSBURG                                                  VA                          22407                         1                      2                       11/1/2006                     10/1/2036                     9/22/2006                        2/1/2007
     267.19                          28500                       28500                     11.25                  WHITEFISH                                                       MT                          59937                         1                      2                       12/1/2006                     11/1/2036                    10/11/2006                        2/1/2007
     267.19                       28486.64                       28500                     11.25                  WHITEFISH                                                       MT                          59937                         1                      2                       12/1/2006                     11/1/2036                    10/11/2006                        2/1/2007
    2104.17                         200000                      200000                    12.625                  WALNUT CREEK                                                    CA                          94597                         2                      2                       11/1/2006                     10/1/2036                     9/12/2006                        2/1/2007
     154.77                       14098.71                       14200                     10.25                  ROCKFORD                                                        IL                          61109                         1                      2                       12/1/2006                     11/1/2021                    10/27/2006                        2/1/2007
     154.17                          20000                       20000                      9.25                  DALLAS                                                          OR                          97338                         1                      2                       11/1/2006                     10/1/2036                     9/12/2006                        2/1/2007
     102.08                          10000                       10000                     12.25                  TAMPA                                                           FL                          33612                         1                      2                       11/1/2006                     10/1/2036                     9/22/2006                        2/1/2007
     253.61                          25100                       25100                    12.125                  MARQUETTE                                                       MI                          49855                         2                      2                       11/1/2006                     10/1/2036                      9/8/2006                        2/1/2007
     341.25                          42000                       42000                      9.75                  OAKLAND                                                         CA                          94601                         1                      2                       11/1/2006                     10/1/2036                     9/13/2006                        2/1/2007
     379.45                          49900                       49900                     9.125                  SAN BERNARDINO                                                  CA                          92407                         1                      2                       11/1/2006                     10/1/2036                     9/19/2006                        2/1/2007
     184.29                       20962.37                       21000                        10                  SAINT PAUL                                                      MN                          55106                         1                      2                       11/1/2006                     10/1/2021                     9/25/2006                        2/1/2007
     346.88                       36999.88                       37000                     11.25                  RIVERBANK                                                       CA                          95367                         1                      2                       11/1/2006                     10/1/2036                     9/20/2006                        2/1/2007
      426.4                          42200                       42200                    12.125                  SEATAC                                                          WA                          98168                         3                      2                       11/1/2006                     10/1/2036                     9/20/2006                        2/1/2007
     366.67                          40000                       40000                        11                  PITTSBURG                                                       CA                          94565                         1                      2                       11/1/2006                     10/1/2036                     9/14/2006                        2/1/2007
     165.88                       14079.09                       14200                      11.5                  HEMET                                                           CA                          92545                         1                      2                       11/1/2006                     10/1/2021                     9/13/2006                        2/1/2007
        212                          21200                       21200                        12                  KILLEEN                                                         TX                          76549                         4                      2                       11/1/2006                     10/1/2036                     9/27/2006                        2/1/2007
     164.83                          17190                       17200                      11.5                  GRIFFIN                                                         GA                          30224                         1                      2                       11/1/2006                     10/1/2036                     9/22/2006                        2/1/2007
     229.97                          22300                       22300                    12.375                  CORVALLIS                                                       OR                          97333                         1                      2                       11/1/2006                     10/1/2036                     9/13/2006                        2/1/2007
     229.97                          22300                       22300                    12.375                  CORVALLIS                                                       OR                          97333                         1                      2                       11/1/2006                     10/1/2036                     9/12/2006                        2/1/2007
     154.51                          16300                       16300                    11.375                  RIVERDALE                                                       IL                          60827                         1                      2                       11/1/2006                     10/1/2036                     9/21/2006                        2/1/2007
     294.18                       28566.79                       28600                        12                  SALT LAKE CITY                                                  UT                          84116                         4                      2                       11/1/2006                     10/1/2021                     9/15/2006                        2/1/2007
     426.56                          45500                       45500                     11.25                  WATERFORD                                                       CA                          95386                         1                      2                       11/1/2006                     10/1/2036                     9/14/2006                        2/1/2007
     609.38                          75000                       75000                      9.75                  FREDERICK                                                       MD                          21704                         1                      2                       12/1/2006                     11/1/2036                    10/26/2006                        2/1/2007
      91.67                        9991.67                       10000                        11                  CHARLOTTE                                                       NC                          28216                         1                      2                       11/1/2006                     10/1/2036                     9/21/2006                        2/1/2007
        231                       30788.45                       30800                         9                  NORTH LAS VEGAS                                                 NV                          89031                         1                      2                       11/1/2006                     10/1/2021                     9/14/2006                        2/1/2007
     590.53                       60737.83                       60800                     11.25                  ANTIOCH                                                         CA                          94509                         1                      2                       12/1/2006                     11/1/2021                     10/2/2006                        2/1/2007
     391.67                       39991.67                       40000                     11.75                  OAKLAND                                                         CA                          94603                         1                      2                       12/1/2006                     11/1/2036                    10/30/2006                        2/1/2007
     325.14                       34280.49                       34300                    11.375                  FRESNO                                                          CA                          93727                         1                      2                       11/1/2006                     10/1/2021                     9/19/2006                        2/1/2007
        475                          48000                       48000                    11.875                  WHEAT RIDGE                                                     CO                          80033                         1                      2                       11/1/2006                     10/1/2036                     9/29/2006                        2/1/2007
     349.13                          44100                       44100                       9.5                  LAS VEGAS                                                       NV                          89178                         1                      2                       11/1/2006                     10/1/2036                     9/18/2006                        2/1/2007
      437.5                       52498.49                       52500                        10                  ANGWIN                                                          CA                          94508                         1                      2                       11/1/2006                     10/1/2036                     9/18/2006                        2/1/2007
     230.56                          21700                       21700                     12.75                  PORTLAND                                                        OR                          97206                         1                      2                       11/1/2006                     10/1/2036                     9/21/2006                        2/1/2007
     156.67                          16000                       16000                     11.75                  SURPRISE                                                        AZ                          85379                         1                      2                       11/1/2006                     10/1/2036                     9/21/2006                        2/1/2007
     146.88                          15000                       15000                     11.75                  AVONDALE                                                        AZ                          85323                         1                      2                       11/1/2006                     10/1/2036                     9/21/2006                        2/1/2007
      439.9                       51489.81                       51500                     10.25                  ANTIOCH                                                         CA                          94509                         1                      2                       11/1/2006                     10/1/2036                     9/13/2006                        2/1/2007
     471.25                       57983.58                       58000                      9.75                  SAN LEANDRO                                                     CA                          94577                         1                      2                       11/1/2006                     10/1/2036                     9/14/2006                        2/1/2007
     148.44                       14689.59                       15000                    11.875                  GRAND RAPIDS                                                    MI                          49506                         1                      2                       11/1/2006                     10/1/2036                     9/14/2006                        2/1/2007
     301.95                       30159.24                       30200                    11.625                  KILL DEVIL HILLS                                                NC                          27948                         1                      2                       12/1/2006                     11/1/2021                    10/18/2006                        2/1/2007
     162.92                          17000                       17000                      11.5                  ATLANTA                                                         GA                          30307                         1                      2                       12/1/2006                     11/1/2036                     10/2/2006                        2/1/2007
     362.03                          33100                       33100                    13.125                  WALDORF                                                         MD                          20603                         1                      2                       11/1/2006                     10/1/2036                     9/18/2006                        2/1/2007
     456.63                          56200                       56200                      9.75                  ALEXANDRIA                                                      VA                          22310                         1                      2                       11/1/2006                     10/1/2036                     9/25/2006                        2/1/2007
     350.63                          33000                       33000                     12.75                  LOS ANGELES                                                     CA                          90042                         1                      2                       12/1/2006                     11/1/2036                     10/5/2006                        2/1/2007
     806.67                       87717.43                       88000                        11                  NORTH TOPSAIL ISLAND                                            NC                          28460                         1                      2                       11/1/2006                     10/1/2036                     9/28/2006                        2/1/2007
     879.71                       98199.42                       98200                     10.75                  SANTA BARBARA                                                   CA                          93103                         1                      2                       11/1/2006                     10/1/2036                     9/18/2006                        2/1/2007
     556.35                       54443.79                       54500                     12.25                  MERIDIAN                                                        ID                          83642                         1                      2                       11/1/2006                     10/1/2036                     9/25/2006                        2/1/2007
    1425.78                         187500                      187500                     9.125                  HOUSTON                                                         TX                          77056                         1                      2                       11/1/2006                     10/1/2036                     9/18/2006                        2/1/2007
      93.75                          10000                       10000                     11.25                  ST. LOUIS PARK                                                  MN                          55416                         1                      2                       11/1/2006                     10/1/2036                     9/15/2006                        2/1/2007
     461.04                       42085.87                       42600                    10.125                  TEMPLE HILLS                                                    MD                          20748                         1                      2                       11/1/2006                     10/1/2021                     9/19/2006                        2/1/2007
      344.9                          38500                       38500                     10.75                  BYERS                                                           CO                          80103                         1                      2                       11/1/2006                     10/1/2036                     9/18/2006                        2/1/2007
     372.08                          38000                       38000                     11.75                  MANASSAS                                                        VA                          20109                         1                      2                       11/1/2006                     10/1/2036                     9/20/2006                        2/1/2007
     238.33                       25994.95                       26000                        11                  LAS VEGAS                                                       NV                          89147                         1                      2                       11/1/2006                     10/1/2036                     9/22/2006                        2/1/2007
     517.89                          59900                       59900                    10.375                  VACAVILLE                                                       CA                          95687                         1                      2                       11/1/2006                     10/1/2036                     9/19/2006                        2/1/2007
     398.13                          39000                       39000                     12.25                  CHICAGO                                                         IL                          60647                         2                      2                       12/1/2006                     11/1/2036                     10/6/2006                        2/1/2007
     457.37                       49919.47                       50000                      10.5                  CERES                                                           CA                          95307                         1                      2                       11/1/2006                     10/1/2021                     9/25/2006                        2/1/2007
     630.54                          81800                       81800                      9.25                  UNIONDALE                                                       NY                          11553                         1                      2                       12/1/2006                     11/1/2036                    10/13/2006                        2/1/2007
     440.83                          52900                       52900                        10                  RIVERSIDE                                                       CA                          92505                         1                      2                       11/1/2006                     10/1/2036                     9/18/2006                        2/1/2007
     139.04                          14200                       14200                     11.75                  HEMET                                                           CA                          92545                         1                      2                       11/1/2006                     10/1/2036                     9/15/2006                        2/1/2007
     342.83                          37400                       37400                        11                  LAS VEGAS                                                       NV                          89178                         1                      2                       12/1/2006                     11/1/2036                     10/4/2006                        2/1/2007
     597.72                       55443.87                       55500                    12.625                  COUNTRY CLUB HILLS                                              IL                          60478                         1                      2                       11/1/2006                     10/1/2021                     10/6/2006                        2/1/2007
     988.23                          89500                       89500                     13.25                  HAYWARD                                                         CA                          94541                         3                      2                       12/1/2006                     11/1/2036                    10/25/2006                        2/1/2007
     213.69                          26300                       26300                      9.75                  LAS VEGAS                                                       NV                          89121                         1                      2                       11/1/2006                     10/1/2036                     9/15/2006                        2/1/2007
        375                          37500                       37500                        12                  WINTER GARDEN                                                   FL                          34787                         1                      2                       12/1/2006                     11/1/2036                     10/5/2006                        2/1/2007
     454.85                       33911.07                       34600                     9.875                  CLOVIS                                                          CA                          93612                         1                      2                       11/1/2006                     10/1/2016                     9/20/2006                        2/1/2007
     258.13                          29500                       29500                      10.5                  FRISCO                                                          TX                          75035                         1                      2                       12/1/2006                     11/1/2036                     10/5/2006                        2/1/2007
     646.88                       68808.57                       69000                     11.25                  NEW ALBANY                                                      OH                          43054                         1                      2                       11/1/2006                     10/1/2036                     10/3/2006                        2/1/2007
     153.71                       21532.47                       21700                       8.5                  AUSTIN                                                          TX                          78734                         1                      2                       11/1/2006                     10/1/2036                     9/19/2006                        2/1/2007
      137.5                          15000                       15000                        11                  TWENTYNINE PALMS                                                CA                          92277                         1                      2                       11/1/2006                     10/1/2036                     9/19/2006                        2/1/2007
     275.47                       22616.87                       22800                    12.125                  YUKON                                                           OK                          73099                         1                      2                       11/1/2006                     10/1/2021                     9/21/2006                        2/1/2007
        450                          54000                       54000                        10                  ROHNERT PARK                                                    CA                          94928                         1                      2                       11/1/2006                     10/1/2036                     9/13/2006                        2/1/2007
      487.5                       59853.29                       60000                      9.75                  ANAHEIM AREA                                                    CA                          92804                         1                      2                       11/1/2006                     10/1/2036                     9/15/2006                        2/1/2007
     831.25                          95000                       95000                      10.5                  GILBERT                                                         AZ                          85296                         1                      2                       11/1/2006                     10/1/2036                     9/18/2006                        2/1/2007
        290                          29000                       29000                        12                  PALM BAY                                                        FL                          32907                         1                      2                       12/1/2006                     11/1/2036                    10/24/2006                        2/1/2007
        222                          22200                       22200                        12                  PALM BAY                                                        FL                          32907                         1                      2                        1/1/2007                     12/1/2036                    11/10/2006                        2/1/2007
     249.38                          28500                       28500                      10.5                  LAS VEGAS                                                       NV                          89117                         1                      2                       11/1/2006                     10/1/2036                     9/19/2006                        2/1/2007
     265.42                          26000                       26000                     12.25                  SACRAMENTO                                                      CA                          95815                         1                      2                       12/1/2006                     11/1/2036                     10/2/2006                        2/1/2007
     910.42                       94728.67                       95000                      11.5                  CHINO                                                           CA                          91708                         1                      2                       11/1/2006                     10/1/2036                     9/25/2006                        2/1/2007
        375                          40000                       40000                     11.25                  PUNTA GORDA                                                     FL                          33983                         1                      2                       12/1/2006                     11/1/2036                    10/10/2006                        2/1/2007
     296.25                          39500                       39500                         9                  CERES                                                           CA                          95307                         1                      2                       11/1/2006                     10/1/2036                     9/26/2006                        2/1/2007
     516.25                          59000                       59000                      10.5                  LAKEVILLE                                                       MN                          55044                         1                      2                       12/1/2006                     11/1/2036                     10/6/2006                        2/1/2007
     178.65                          17500                       17500                     12.25                  BURNSVILLE                                                      MN                          55337                         1                      2                       12/1/2006                     11/1/2036                    10/12/2006                        2/1/2007
     298.65                          30500                       30500                     11.75                  BAKERSFIELD                                                     CA                          93309                         1                      2                       11/1/2006                     10/1/2036                     9/27/2006                        2/1/2007
     560.63                          69000                       69000                      9.75                  RANCHO CUCAMONGA                                                CA                          91739                         1                      2                       11/1/2006                     10/1/2021                     9/15/2006                        2/1/2007
     198.75                          26500                       26500                         9                  KISSIMMEE                                                       FL                          34744                         1                      2                       11/1/2006                     10/1/2036                     9/27/2006                        2/1/2007
     378.88                       40935.72                       41000                    10.625                  RIVERSIDE                                                       CA                          92503                         1                      2                       11/1/2006                     10/1/2021                     9/22/2006                        2/1/2007
     368.13                       44085.37                       46500                       9.5                  ZIONSVILLE                                                      IN                          46077                         1                      2                       11/1/2006                     10/1/2036                     9/29/2006                        2/1/2007
     121.88                       12983.81                       13000                     11.25                  PORT ANGELES                                                    WA                          98362                         1                      2                       11/1/2006                     10/1/2036                     9/15/2006                        2/1/2007
     312.81                          33000                       33000                    11.375                  SACRAMENTO                                                      CA                          95823                         1                      2                       11/1/2006                     10/1/2036                     9/26/2006                        2/1/2007
       93.5                          10200                       10200                        11                  MILTON                                                          PA                          17847                         3                      2                       12/1/2006                     11/1/2036                    10/25/2006                        2/1/2007
     414.71                       53799.72                       53800                      9.25                  WALKERSVILLE                                                    MD                          21793                         1                      2                       11/1/2006                     10/1/2036                     9/15/2006                        2/1/2007
        580                          64000                       64000                    10.875                  CHICAGO                                                         IL                          60634                         1                      2                       11/1/2006                     10/1/2036                     9/18/2006                        2/1/2007
     281.88                          33000                       33000                     10.25                  IMPERIAL BEACH                                                  CA                          91932                         1                      2                       11/1/2006                     10/1/2036                     9/21/2006                        2/1/2007
     131.98                       13187.58                       13200                    11.625                  SPRING                                                          TX                          77379                         1                      2                       12/1/2006                     11/1/2021                    10/23/2006                        2/1/2007
     413.97                        30395.6                       31000                     10.25                  BAKERSFIELD                                                     CA                          93312                         1                      2                       11/1/2006                     10/1/2016                     9/22/2006                        2/1/2007
     196.88                       17984.88                       18000                    13.125                  VANCOUVER                                                       WA                          98683                         1                      2                       11/1/2006                     10/1/2036                     9/26/2006                        2/1/2007
     315.59                       34444.42                       34500                      10.5                  MODESTO                                                         CA                          95358                         1                      2                       11/1/2006                     10/1/2021                     9/15/2006                        2/1/2007
     446.88                          52500                       55000                      9.75                  ANTIOCH                                                         CA                          94509                         1                      2                       12/1/2006                     11/1/2036                     10/2/2006                        2/1/2007
     332.92                          34000                       34000                     11.75                  COTTONWOOD                                                      CA                          96022                         1                      2                       11/1/2006                     10/1/2036                     9/27/2006                        2/1/2007
     372.08                          37600                       37600                    11.875                  CORVALLIS                                                       OR                          97333                         1                      2                       11/1/2006                     10/1/2036                     9/22/2006                        2/1/2007
     264.17                          31700                       31700                        10                  SEATAC                                                          WA                          98168                         1                      2                       11/1/2006                     10/1/2036                     9/20/2006                        2/1/2007
     680.17                       73234.34                       74200                        11                  WESTBURY                                                        NY                          11590                         1                      2                       12/1/2006                     11/1/2036                    10/12/2006                        2/1/2007
     366.67                       43600.28                       44000                        10                  STOCKTON                                                        CA                          95210                         1                      2                       11/1/2006                     10/1/2036                     9/22/2006                        2/1/2007
     191.67                          20000                       20000                      11.5                  GRESHAM                                                         OR                          97060                         1                      2                       11/1/2006                     10/1/2036                     9/22/2006                        2/1/2007
     257.56                          31700                       31700                      9.75                  ORLANDO                                                         FL                          32828                         1                      2                       11/1/2006                     10/1/2036                     9/12/2006                        2/1/2007
     207.31                          18600                       18600                    13.375                  LAWRENCEVILLE                                                   GA                          30044                         1                      2                       11/1/2006                     10/1/2036                     9/22/2006                        2/1/2007
     224.03                       19875.17                       20100                    13.375                  CLINTON                                                         UT                          84015                         1                      2                       11/1/2006                     10/1/2036                     9/25/2006                        2/1/2007
     730.31                          85500                       85500                     10.25                  SOUTH HAVEN                                                     MN                          55382                         1                      2                       11/1/2006                     10/1/2036                     9/26/2006                        2/1/2007
     194.85                          19900                       19900                     11.75                  COVINGTON                                                       GA                          30014                         1                      2                       11/1/2006                     10/1/2036                     10/2/2006                        2/1/2007
     402.19                          39000                       39000                    12.375                  EUGENE                                                          OR                          97408                         1                      2                       11/1/2006                     10/1/2036                     9/20/2006                        2/1/2007
     167.09                       17872.68                       17900                     10.75                  TAMPA                                                           FL                          33617                         1                      2                       11/1/2006                     10/1/2021                     9/29/2006                        2/1/2007
     183.65                       20340.51                       20500                     10.75                  AKRON                                                           OH                          44333                         1                      2                       11/1/2006                     10/1/2036                     9/22/2006                        2/1/2007
      157.6                          17800                       17800                    10.625                  HAPEVILLE                                                       GA                          30354                         1                      2                       11/1/2006                     10/1/2036                     10/2/2006                        2/1/2007
     281.76                       26343.91                       26400                      12.5                  CARPENTERSVILLE                                                 IL                          60110                         1                      2                       11/1/2006                     10/1/2021                     9/22/2006                        2/1/2007
        550                          55000                       55000                        12                  MODESTO                                                         CA                          95350                         3                      2                       11/1/2006                     10/1/2036                     9/21/2006                        2/1/2007
     445.86                       37046.51                       37400                    11.875                  SEATTLE                                                         WA                          98108                         3                      2                       11/1/2006                     10/1/2021                     9/19/2006                        2/1/2007
     241.08                          26300                       26300                        11                  GLENDALE                                                        AZ                          85308                         1                      2                       12/1/2006                     11/1/2036                    10/17/2006                        2/1/2007
     689.25                          91900                       91900                         9                  UPLAND                                                          CA                          91784                         1                      2                       11/1/2006                     10/1/2036                     9/21/2006                        2/1/2007
     323.13                          33000                       33000                     11.75                  BOTHELL                                                         WA                          98021                         1                      2                       11/1/2006                     10/1/2036                     9/22/2006                        2/1/2007
     505.83                          60700                       60700                        10                  LOS ANGELES                                                     CA                          91335                         1                      2                       11/1/2006                     10/1/2036                     9/21/2006                        2/1/2007
      247.5                          27000                       27000                        11                  PHOENIX                                                         AZ                          85024                         1                      2                       11/1/2006                     10/1/2036                     9/22/2006                        2/1/2007
     163.17                          17800                       17800                        11                  AUSTIN                                                          TX                          78749                         1                      2                       11/1/2006                     10/1/2036                     9/21/2006                        2/1/2007
     257.25                          25200                       25200                     12.25                  WINDSOR                                                         CO                          80550                         1                      2                       11/1/2006                     10/1/2036                     9/29/2006                        2/1/2007
         75                          10000                       10000                         9                  NEW CASTLE                                                      CO                          81647                         1                      2                       11/1/2006                     10/1/2036                     9/29/2006                        2/1/2007
     154.42                       21774.42                       21800                       8.5                  LAUREL                                                          MD                          20707                         1                      2                       12/1/2006                     11/1/2036                    10/13/2006                        2/1/2007
     114.36                       13572.91                       13600                       9.5                  ROUND ROCK                                                      TX                          78664                         1                      2                       11/1/2006                     10/1/2021                     9/26/2006                        2/1/2007
     211.46                       28633.53                       29000                      8.75                  SOUTH WEBER                                                     UT                          84405                         1                      2                       11/1/2006                     10/1/2036                     9/21/2006                        2/1/2007
      162.5                          14972                       15000                        13                  CLEARFIELD                                                      UT                          84015                         1                      2                       11/1/2006                     10/1/2036                     9/22/2006                        2/1/2007
      367.4                       40947.98                       41000                     10.25                  ORLANDO                                                         FL                          32825                         1                      2                       12/1/2006                     11/1/2021                    10/11/2006                        2/1/2007
     161.69                          19900                       19900                      9.75                  ELK                                                             WA                          99009                         1                      2                       11/1/2006                     10/1/2036                     9/27/2006                        2/1/2007
     267.31                          32900                       32900                      9.75                  LOS ANGELES                                                     CA                          90045                         1                      2                       11/1/2006                     10/1/2036                     9/21/2006                        2/1/2007
     354.58                          37000                       37000                      11.5                  SAN JOSE                                                        CA                          95123                         1                      2                       11/1/2006                     10/1/2036                     9/18/2006                        2/1/2007
     300.83                          38000                       38000                       9.5                  DALY CITY                                                       CA                          94014                         1                      2                       12/1/2006                     11/1/2036                     10/2/2006                        2/1/2007
     297.09                       29961.09                       30000                      11.5                  LAS VEGAS                                                       NV                          89128                         1                      2                       11/1/2006                     10/1/2021                     9/28/2006                        2/1/2007
     130.81                       13793.46                       13800                    11.375                  RIVERDALE                                                       GA                          30274                         1                      2                       11/1/2006                     10/1/2036                     9/28/2006                        2/1/2007
     105.63                          13000                       13000                      9.75                  BRADENTON                                                       FL                          34208                         1                      2                       11/1/2006                     10/1/2036                     9/20/2006                        2/1/2007
        210                          22400                       22400                     11.25                  SAINT PETERSBURG                                                FL                          33703                         1                      2                       12/1/2006                     11/1/2036                    10/20/2006                        2/1/2007
     108.17                          11800                       11800                        11                  KINGWOOD                                                        TX                          77339                         1                      2                       11/1/2006                     10/1/2036                     9/27/2006                        2/1/2007
     160.31                          17100                       17100                     11.25                  SALEM                                                           OR                          97301                         1                      2                       12/1/2006                     11/1/2036                     10/6/2006                        2/1/2007
     292.73                        28964.4                       29000                     11.75                  FORT WORTH                                                      TX                          76135                         2                      2                       11/1/2006                     10/1/2021                     9/29/2006                        2/1/2007
     309.06                          34500                       34500                     10.75                  HENDERSON                                                       NV                          89014                         1                      2                       12/1/2006                     11/1/2021                    10/17/2006                        2/1/2007
     740.63                       89999.25                       90000                     9.875                  YONKERS                                                         NY                          10710                         1                      2                       12/1/2006                     11/1/2036                    10/11/2006                        2/1/2007
     354.99                       34620.73                       35000                         9                  BALTIMORE                                                       MD                          21220                         1                      2                       11/1/2006                     10/1/2021                     9/29/2006                        2/1/2007
     118.25                          12900                       12900                        11                  PLEASANTVILLE                                                   NJ                           8232                         1                      2                       11/1/2006                     10/1/2021                     9/29/2006                        2/1/2007
      334.5                          44600                       44600                         9                  KENNESAW                                                        GA                          30152                         1                      2                       11/1/2006                     10/1/2036                     9/28/2006                        2/1/2007
     491.54                          50200                       50200                     11.75                  MISSOULA                                                        MT                          59802                         4                      2                       11/1/2006                     10/1/2036                     9/20/2006                        2/1/2007
      178.5                          25200                       25200                       8.5                  PORT ORCHARD                                                    WA                          98366                         1                      2                       11/1/2006                     10/1/2036                     9/26/2006                        2/1/2007
     380.46                          39700                       39700                      11.5                  GIG HARBOR                                                      WA                          98335                         1                      2                       11/1/2006                     10/1/2036                     9/21/2006                        2/1/2007
     236.94                       26951.64                       27000                        10                  SUGARLOAF AREA                                                  CA                          92386                         1                      2                       11/1/2006                     10/1/2021                     9/26/2006                        2/1/2007
     438.07                       45933.48                       46000                        11                  MIRA LOMA AREA                                                  CA                          91752                         1                      2                       11/1/2006                     10/1/2021                     9/25/2006                        2/1/2007
     456.98                       53413.59                       53500                     10.25                  SANTA FE                                                        NM                          87507                         1                      2                       12/1/2006                     11/1/2036                    10/13/2006                        2/1/2007
    1167.75                         138400                      138400                    10.125                  SAN DIEGO                                                       CA                          92121                         1                      2                       11/1/2006                     10/1/2036                     9/25/2006                        2/1/2007
     151.25                       16177.72                       16500                        11                  TACOMA                                                          WA                          98409                         1                      2                       11/1/2006                     10/1/2036                     9/20/2006                        2/1/2007
      90.47                       11480.01                       11500                      8.75                  MARIETTA                                                        GA                          30066                         1                      2                       12/1/2006                     11/1/2021                    10/16/2006                        2/1/2007
        470                          48000                       48000                     11.75                  LOS ANGELES                                                     CA                          90003                         1                      2                       11/1/2006                     10/1/2036                     9/22/2006                        2/1/2007
     222.18                       21375.84                       21400                    12.125                  NORTH RICHLAND HILLS                                            TX                          76180                         1                      2                       11/1/2006                     10/1/2021                     9/29/2006                        2/1/2007
     205.35                       23358.08                       23400                        10                  MIAMI                                                           FL                          33126                         1                      2                       11/1/2006                     10/1/2021                     9/28/2006                        2/1/2007
     418.44                          51500                       51500                      9.75                  BRENTWOOD                                                       CA                          94513                         1                      2                       11/1/2006                     10/1/2036                     9/20/2006                        2/1/2007
      187.5                        24987.5                       25000                         9                  BRADENTON                                                       FL                          34202                         1                      2                       12/1/2006                     11/1/2036                     10/5/2006                        2/1/2007
      202.5                          27000                       27000                         9                  MURRIETA                                                        CA                          92562                         1                      2                       12/1/2006                     11/1/2036                     10/6/2006                        2/1/2007
        500                          50000                       50000                        12                  RANCHO CUCAMONGA                                                CA                          91730                         1                      2                       11/1/2006                     10/1/2036                     9/27/2006                        2/1/2007
     372.19                          39700                       39700                     11.25                  SHORELINE                                                       WA                          98133                         1                      2                       12/1/2006                     11/1/2036                     10/3/2006                        2/1/2007
     212.99                       21080.65                       21100                     11.75                  UNION CITY                                                      GA                          30291                         1                      2                       12/1/2006                     11/1/2021                    10/10/2006                        2/1/2007
        280                        27939.4                       28000                        12                  HILLSBORO                                                       OR                          97123                         1                      2                       11/1/2006                     10/1/2036                     9/25/2006                        2/1/2007
     284.38                          30000                       30000                    11.375                  NORTH LAS VEGAS                                                 NV                          89031                         1                      2                       12/1/2006                     11/1/2036                     10/5/2006                        2/1/2007
     184.08                          18800                       18800                     11.75                  COVINGTON                                                       GA                          30014                         1                      2                       11/1/2006                     10/1/2036                     10/2/2006                        2/1/2007
     203.01                       20473.42                       20500                      11.5                  YELM                                                            WA                          98597                         1                      2                       11/1/2006                     10/1/2021                     9/22/2006                        2/1/2007
     288.75                          30600                       30800                     11.25                  CHICAGO                                                         IL                          60651                         2                      2                       12/1/2006                     11/1/2036                    10/17/2006                        2/1/2007
        450                          48000                       48000                     11.25                  SAN JACINTO                                                     CA                          92583                         1                      2                       12/1/2006                     11/1/2036                     10/3/2006                        2/1/2007
     265.03                       30145.88                       30200                        10                  GILBERT                                                         AZ                          85297                         1                      2                       11/1/2006                     10/1/2021                     9/22/2006                        2/1/2007
     450.94                          58500                       58500                      9.25                  WOODLAND                                                        CA                          95776                         1                      2                       12/1/2006                     11/1/2021                    10/24/2006                        2/1/2007
     372.08                          38000                       38000                     11.75                  LAKE ELSINORE                                                   CA                          92530                         1                      2                       12/1/2006                     11/1/2036                     10/3/2006                        2/1/2007
      159.5                          17400                       17400                        11                  KALAMAZOO                                                       MI                          49048                         1                      2                       12/1/2006                     11/1/2036                     11/1/2006                        2/1/2007
     182.42                          19900                       19900                        11                  NEWNAN                                                          GA                          30263                         1                      2                       12/1/2006                     11/1/2036                    10/25/2006                        2/1/2007
     501.56                          53500                       53500                     11.25                  SILVER SPRING                                                   MD                          20903                         1                      2                       12/1/2006                     11/1/2036                     10/2/2006                        2/1/2007
     418.44                          51200                       51500                      9.75                  SANTA ROSA                                                      CA                          95407                         1                      2                       11/1/2006                     10/1/2036                     9/22/2006                        2/1/2007
     106.77                          12500                       12500                     10.25                  ELGIN                                                           TX                          78621                         2                      2                       12/1/2006                     11/1/2036                    10/19/2006                        2/1/2007
     128.74                       12128.41                       12400                    12.125                  SAINT LOUIS                                                     MO                          63118                         1                      2                       12/1/2006                     11/1/2021                    10/23/2006                        2/1/2007
     371.25                          40500                       40500                        11                  NORTH LAS VEGAS                                                 NV                          89031                         1                      2                       12/1/2006                     11/1/2021                     10/3/2006                        2/1/2007
     490.83                       61386.88                       62000                       9.5                  FAIRFIELD                                                       CA                          94534                         1                      2                       11/1/2006                     10/1/2036                     9/22/2006                        2/1/2007
     132.25                          13800                       13800                      11.5                  KILLEEN                                                         TX                          76541                         2                      2                       12/1/2006                     11/1/2036                    10/20/2006                        2/1/2007
     264.06                          32500                       32500                      9.75                  FORT LAUDERDALE                                                 FL                          33312                         1                      2                       11/1/2006                     10/1/2036                     9/26/2006                        2/1/2007
     457.37                       49919.47                       50000                      10.5                  BALDWIN PARK                                                    CA                          91706                         1                      2                       11/1/2006                     10/1/2021                     9/22/2006                        2/1/2007
     418.54                       48974.68                       49000                     10.25                  RANCHO CUCAMONGA                                                CA                          91701                         1                      2                       11/1/2006                     10/1/2036                     9/25/2006                        2/1/2007
     485.03                       44182.52                       44500                     10.25                  STOCKTON                                                        CA                          95210                         1                      2                       12/1/2006                     11/1/2021                     10/6/2006                        2/1/2007
     646.25                       70496.25                       70500                        11                  SALINAS                                                         CA                          93906                         1                      2                       12/1/2006                     11/1/2036                     10/4/2006                        2/1/2007
     601.25                          74000                       74000                      9.75                  SALINAS                                                         CA                          93906                         1                      2                       11/1/2006                     10/1/2036                     9/26/2006                        2/1/2007
      193.5                          25800                       25800                         9                  PUYALLUP                                                        WA                          98375                         1                      2                       11/1/2006                     10/1/2036                     9/25/2006                        2/1/2007
     917.97                         117500                      117500                     9.375                  MILLBRAE                                                        CA                          94030                         1                      2                       12/1/2006                     11/1/2036                    10/16/2006                        2/1/2007
     169.58                          18500                       18500                        11                  SALEM                                                           OR                          97305                         1                      2                       12/1/2006                     11/1/2036                     10/6/2006                        2/1/2007
     365.75                          39900                       39900                        11                  MONTGOMERY VILLAGE                                              MD                          20886                         1                      2                       12/1/2006                     11/1/2036                     10/6/2006                        2/1/2007
     304.69                          37500                       37500                      9.75                  BEALETON                                                        VA                          22712                         1                      2                       11/1/2006                     10/1/2036                     9/25/2006                        2/1/2007
        550                          55000                       55000                        12                  SAN DIEGO                                                       CA                          92105                         2                      2                       11/1/2006                     10/1/2036                     9/25/2006                        2/1/2007
        490                          49000                       49000                        12                  LOS ANGELES                                                     CA                          91306                         1                      2                       11/1/2006                     10/1/2036                     9/21/2006                        2/1/2007
     378.94                          38700                       38700                     11.75                  VICTORVILLE                                                     CA                          92392                         1                      2                       11/1/2006                     10/1/2036                     9/29/2006                        2/1/2007
        188                          19200                       19200                     11.75                  CHICAGO                                                         IL                          60609                         1                      2                       11/1/2006                     10/1/2036                     9/28/2006                        2/1/2007
     233.75                          25500                       25500                        11                  MODESTO                                                         CA                          95351                         1                      2                       12/1/2006                     11/1/2036                     10/2/2006                        2/1/2007
      307.5                          41000                       41000                         9                  HENDERSON                                                       NV                          89052                         1                      2                       12/1/2006                     11/1/2036                     10/2/2006                        2/1/2007
     501.98                          61000                       61000                     9.875                  LA JOLLA                                                        CA                          92037                         1                      2                       12/1/2006                     11/1/2036                     10/2/2006                        2/1/2007
     371.88                       34704.43                       35000                     12.75                  BAKERSFIELD                                                     CA                          93309                         1                      2                       12/1/2006                     11/1/2036                    10/13/2006                        2/1/2007
      512.5                          60000                       60000                     10.25                  ARLINGTON                                                       VA                          22204                         1                      2                       12/1/2006                     11/1/2021                    10/31/2006                        2/1/2007
     476.08                       50739.17                       51000                     10.75                  PATTERSON                                                       CA                          95363                         1                      2                       12/1/2006                     11/1/2021                     10/6/2006                        2/1/2007
     148.42                       15881.89                       15900                     10.75                  FORT WORTH                                                      TX                          76131                         1                      2                       12/1/2006                     11/1/2021                    10/17/2006                        2/1/2007
     339.75                        44978.3                       45300                         9                  ST. CHARLES                                                     MO                          63304                         1                      2                       11/1/2006                     10/1/2036                     10/5/2006                        2/1/2007
     358.44                          37000                       37000                    11.625                  FAYETTEVILLE                                                    GA                          30214                         1                      2                       11/1/2006                     10/1/2036                     9/29/2006                        2/1/2007
        700                          70000                       70000                        12                  FREMONT                                                         CA                          94555                         1                      2                       12/1/2006                     11/1/2036                     10/4/2006                        2/1/2007
     137.81                        18892.5                       18900                      8.75                  LITTLE ELM                                                      TX                          75068                         1                      2                       11/1/2006                     10/1/2036                     10/2/2006                        2/1/2007
     409.06                          33000                       33000                    14.875                  MERIDIAN                                                        ID                          83642                         1                      2                       11/1/2006                     10/1/2036                     9/25/2006                        2/1/2007
     232.83                          25400                       25400                        11                  BEAVERTON                                                       OR                          97006                         1                      2                       12/1/2006                     11/1/2036                    10/12/2006                        2/1/2007
        720                          96000                       96000                         9                  MORGAN HILL                                                     CA                          95037                         1                      2                       12/1/2006                     11/1/2036                     10/3/2006                        2/1/2007
      225.5                          24600                       24600                        11                  BEAVERTON                                                       OR                          97006                         1                      2                       12/1/2006                     11/1/2036                    10/12/2006                        2/1/2007
     304.74                       31956.57                       32000                        11                  CARNATION                                                       WA                          98014                         1                      2                       12/1/2006                     11/1/2021                    10/13/2006                        2/1/2007
     382.81                          37500                       37500                     12.25                  MODESTO                                                         CA                          95355                         1                      2                       12/1/2006                     11/1/2036                     10/6/2006                        2/1/2007
     643.23                       64961.41                       65000                    11.875                  PASADENA                                                        CA                          91103                         1                      2                       12/1/2006                     11/1/2036                    10/17/2006                        2/1/2007
     114.58                          12500                       12500                        11                  NEW BRAUNFELS                                                   TX                          78132                         1                      2                       12/1/2006                     11/1/2036                    10/10/2006                        2/1/2007
    1053.33                         128000                      128000                     9.875                  SAN CLEMENTE                                                    CA                          92673                         1                      2                       12/1/2006                     11/1/2036                    10/11/2006                        2/1/2007
     138.75                          18000                       18000                      9.25                  STOCKBRIDGE                                                     GA                          30281                         1                      2                       12/1/2006                     11/1/2036                     10/2/2006                        2/1/2007
     342.84                       35946.61                       36000                        11                  DACULA                                                          GA                          30019                         1                      2                       12/1/2006                     11/1/2021                     10/6/2006                        2/1/2007
    1056.09                       92920.56                       93000                    13.375                  AVON                                                            CO                          81620                         1                      2                       11/1/2006                     10/1/2021                     9/28/2006                        2/1/2007
        222                          22200                       22200                        12                  WOODBURY                                                        MN                          55125                         1                      2                       11/1/2006                     10/1/2036                     9/29/2006                        2/1/2007
     269.27                          27500                       27500                     11.75                  MESA                                                            AZ                          85208                         1                      2                       11/1/2006                     10/1/2036                     9/29/2006                        2/1/2007
     102.81                       14090.57                       14100                      8.75                  SANDIA PARK                                                     NM                          87047                         1                      2                       12/1/2006                     11/1/2036                     10/5/2006                        2/1/2007
     293.75                       29546.49                       30000                     11.75                  CAPE MAY COURT HOUSE                                            NJ                           8210                         1                      2                       12/1/2006                     11/1/2036                    10/26/2006                        2/1/2007
     264.94                          31400                       31400                    10.125                  CLEMMONS                                                        NC                          27012                         1                      2                       12/1/2006                     11/1/2036                     10/6/2006                        2/1/2007
     152.29                       14212.24                       14400                    12.375                  COLUMBUS                                                        OH                          43231                         1                      2                       11/1/2006                     10/1/2021                     10/2/2006                        2/1/2007
     416.67                          50000                       50000                        10                  NORTH BERGEN                                                    NJ                           7047                         2                      2                       12/1/2006                     11/1/2036                    10/11/2006                        2/1/2007
     145.21                          17000                       17000                     10.25                  CHARLOTTE                                                       NC                          28213                         1                      2                       12/1/2006                     11/1/2036                    10/10/2006                        2/1/2007
     146.46                          14800                       14800                    11.875                  CHESTER                                                         VA                          23836                         1                      2                       11/1/2006                     10/1/2036                     10/2/2006                        2/1/2007
     159.25                          18200                       18200                      10.5                  SAN ANTONIO                                                     TX                          78258                         1                      2                       12/1/2006                     11/1/2036                     10/6/2006                        2/1/2007
        575                          57500                       57500                        12                  BRONX                                                           NY                          10466                         3                      2                       12/1/2006                     11/1/2036                    10/17/2006                        2/1/2007
     536.46                          49900                       50000                    12.875                  LAS VEGAS                                                       NV                          89141                         1                      2                       12/1/2006                     11/1/2036                     10/9/2006                        2/1/2007
      187.5                       19962.14                       20000                     11.25                  PORTLAND                                                        OR                          97216                         1                      2                       11/1/2006                     10/1/2036                     9/28/2006                        2/1/2007
     478.77                       46898.77                       46900                     12.25                  APPLE VALLEY                                                    CA                          92308                         3                      2                       12/1/2006                     11/1/2036                    10/17/2006                        2/1/2007
      93.75                          10000                       10000                     11.25                  CHARLOTTE                                                       NC                          28208                         1                      2                       11/1/2006                     10/1/2036                     10/6/2006                        2/1/2007
     121.88                          13000                       13000                     11.25                  STONE MOUNTAIN                                                  GA                          30083                         1                      2                       12/1/2006                     11/1/2036                    10/10/2006                        2/1/2007
     513.33                       55737.61                       56000                        11                  BELMONT                                                         NC                          28012                         1                      2                       11/1/2006                     10/1/2036                     9/29/2006                        2/1/2007
     162.92                          22700                       23000                       8.5                  HAMPSTEAD                                                       NC                          28443                         1                      2                       12/1/2006                     11/1/2036                    10/10/2006                        2/1/2007
      93.75                          10000                       10000                     11.25                  CHARLOTTE                                                       NC                          28208                         1                      2                       11/1/2006                     10/1/2036                     10/6/2006                        2/1/2007
      93.75                          10000                       10000                     11.25                  CHARLOTTE                                                       NC                          28208                         1                      2                       11/1/2006                     10/1/2036                     10/6/2006                        2/1/2007
     258.38                       23308.59                       23400                     13.25                  COLUMBUS                                                        OH                          43224                         4                      2                       11/1/2006                     10/1/2036                    10/10/2006                        2/1/2007
     358.85                       32375.92                       32500                     13.25                  COLUMBUS                                                        OH                          43214                         3                      2                       11/1/2006                     10/1/2036                    10/10/2006                        2/1/2007
     498.75                          57000                       57000                      10.5                  SALINAS                                                         CA                          93907                         1                      2                       11/1/2006                     10/1/2036                     9/27/2006                        2/1/2007
     104.55                       11187.24                       11200                     10.75                  HOUSTON                                                         TX                          77073                         1                      2                       12/1/2006                     11/1/2021                     10/9/2006                        2/1/2007
     593.13                          73000                       73000                      9.75                  SANTA CLARA                                                     CA                          95051                         1                      2                       12/1/2006                     11/1/2036                     10/2/2006                        2/1/2007
      226.2                          21500                       21500                    12.625                  LINO LAKES                                                      MN                          55014                         1                      2                       12/1/2006                     11/1/2036                    10/11/2006                        2/1/2007
     190.63                          18300                       18300                      12.5                  GREELEY                                                         CO                          80634                         1                      2                       12/1/2006                     11/1/2036                    10/10/2006                        2/1/2007
     155.83                       16951.26                       17000                        11                  PORTLAND                                                        OR                          97236                         1                      2                       12/1/2006                     11/1/2036                     10/3/2006                        2/1/2007
     375.83                       43122.48                       44000                     10.25                  VANCOUVER                                                       WA                          98664                         1                      2                       11/1/2006                     10/1/2036                     9/29/2006                        2/1/2007
     342.19                          36500                       36500                     11.25                  LAS VEGAS                                                       NV                          89141                         1                      2                       12/1/2006                     11/1/2036                    10/10/2006                        2/1/2007
        435                          43500                       43500                        12                  CORONA                                                          CA                          92882                         1                      2                       12/1/2006                     11/1/2036                     10/5/2006                        2/1/2007
     235.88                       28468.05                       30600                      9.25                  SEA-TAC                                                         WA                          98188                         1                      2                       11/1/2006                     10/1/2036                     9/29/2006                        2/1/2007
     123.39                          11500                       11500                    12.875                  TEMPLE HILLS                                                    MD                          20748                         1                      2                       12/1/2006                     11/1/2036                    10/23/2006                        2/1/2007
     248.44                          26500                       26500                     11.25                  LAS VEGAS                                                       NV                          89131                         1                      2                       12/1/2006                     11/1/2036                     10/3/2006                        2/1/2007
     192.78                          19900                       19900                    11.625                  OKLAHOMA CITY                                                   OK                          73135                         2                      2                       12/1/2006                     11/1/2036                    10/26/2006                        2/1/2007
      95.83                        9996.14                       10000                      11.5                  FAYETTEVILLE                                                    NC                          28306                         1                      2                       12/1/2006                     11/1/2036                    10/18/2006                        2/1/2007
     201.19                          17400                       17400                    13.875                  HOUSTON                                                         TX                          77043                         1                      2                       12/1/2006                     11/1/2036                     10/5/2006                        2/1/2007
     340.63                          32700                       32700                      12.5                  ADDIS                                                           LA                          70710                         1                      2                       12/1/2006                     11/1/2036                     10/4/2006                        2/1/2007
     125.73                          17000                       17000                     8.875                  MANASSAS                                                        VA                          20111                         1                      2                       12/1/2006                     11/1/2036                     10/9/2006                        2/1/2007
     445.63                          46000                       46000                    11.625                  WASHINGTON                                                      DC                          20011                         1                      2                        1/1/2007                     12/1/2036                     11/1/2006                        2/1/2007
     329.06                       40424.27                       40500                      9.75                  PUYALLUP                                                        WA                          98375                         1                      2                       12/1/2006                     11/1/2036                    10/19/2006                        2/1/2007
     328.42                       28314.57                       28500                     11.25                  BEND                                                            OR                          97701                         1                      2                       12/1/2006                     11/1/2021                     10/5/2006                        2/1/2007
     638.06                       73787.13                       73800                    10.375                  BROADALBIN                                                      NY                          12010                         1                      2                       11/1/2006                     10/1/2036                     9/29/2006                        2/1/2007
     219.48                          21500                       21500                     12.25                  OREM                                                            UT                          84097                         1                      2                       11/1/2006                     10/1/2036                     9/28/2006                        2/1/2007
      469.5                          62600                       62600                         9                  VISTA                                                           CA                          92083                         1                      2                       12/1/2006                     11/1/2036                     10/9/2006                        2/1/2007
     436.27                          48700                       48700                     10.75                  UPLAND                                                          CA                          91786                         1                      2                       12/1/2006                     11/1/2036                    10/13/2006                        2/1/2007
     224.11                       24393.32                       24500                      10.5                  BAKERSFIELD                                                     CA                          93307                         1                      2                       12/1/2006                     11/1/2021                    10/24/2006                        2/1/2007
     826.88                          80995                       81000                     12.25                  SAN LEANDRO                                                     CA                          94578                         3                      2                       12/1/2006                     11/1/2036                    10/12/2006                        2/1/2007
     696.18                          68900                       68900                    12.125                  UNIVERSITY PLACE                                                WA                          98467                         4                      2                        1/1/2007                     12/1/2036                     11/2/2006                        2/1/2007
        511                          58400                       58400                      10.5                  SAN LEANDRO                                                     CA                          94577                         1                      2                       12/1/2006                     11/1/2036                     10/5/2006                        2/1/2007
     503.75                          52000                       52000                    11.625                  SALEM                                                           NH                           3079                         1                      2                       12/1/2006                     11/1/2036                    10/13/2006                        2/1/2007
      242.5                          24000                       24000                    12.125                  SAINT LOUIS                                                     MO                          63116                         4                      2                       12/1/2006                     11/1/2036                     11/6/2006                        2/1/2007
     229.77                          26900                       26900                     10.25                  WHITEFISH                                                       MT                          59937                         1                      2                       12/1/2006                     11/1/2036                    10/11/2006                        2/1/2007
     454.69                          48500                       48500                     11.25                  WHITTIER                                                        CA                          90605                         1                      2                       12/1/2006                     11/1/2036                    10/24/2006                        2/1/2007
     464.48                          45500                       45500                     12.25                  RIO RICO                                                        AZ                          85648                         1                      2                       12/1/2006                     11/1/2036                    10/13/2006                        2/1/2007
     740.91                       73332.74                       73400                     11.75                  LA CENTER                                                       WA                          98629                         1                      2                       12/1/2006                     11/1/2021                    10/11/2006                        2/1/2007
     395.13                          34800                       34800                    13.625                  MACON                                                           GA                          31220                         1                      2                       11/1/2006                     10/1/2036                    10/10/2006                        2/1/2007
     429.17                          51500                       51500                        10                  CARSON                                                          CA                          90745                         1                      2                       12/1/2006                     11/1/2036                     10/2/2006                        2/1/2007
     890.63                          90000                       90000                    11.875                  ROCKVILLE                                                       MD                          20851                         1                      2                       12/1/2006                     11/1/2036                    10/18/2006                        2/1/2007
     862.21                       77456.14                       78000                      10.5                  LAGUNA NIGUEL                                                   CA                          92677                         1                      2                       12/1/2006                     11/1/2021                    10/13/2006                        2/1/2007
     489.22                          50500                       50500                    11.625                  AURORA                                                          CO                          80015                         1                      2                       12/1/2006                     11/1/2036                     10/6/2006                        2/1/2007
     412.21                       45941.63                       46000                     10.25                  ORANGE                                                          CA                          92867                         1                      2                       12/1/2006                     11/1/2021                    10/18/2006                        2/1/2007
     142.85                       14622.81                       15000                        11                  LANSING                                                         IL                          60438                         1                      2                       12/1/2006                     11/1/2021                    10/19/2006                        2/1/2007
     391.72                          34500                       34500                    13.625                  MACON                                                           GA                          31220                         1                      2                       11/1/2006                     10/1/2036                    10/12/2006                        2/1/2007
     120.35                          10600                       10600                    13.625                  LEES SUMMIT                                                     MO                          64086                         1                      2                       12/1/2006                     11/1/2036                    10/20/2006                        2/1/2007
     138.09                       14399.01                       14500                        11                  AUSTIN                                                          TX                          78729                         1                      2                       12/1/2006                     11/1/2021                    10/12/2006                        2/1/2007
     572.95                        53146.2                       53200                    12.625                  ATLANTA                                                         GA                          30315                         2                      2                       11/1/2006                     10/1/2021                    10/12/2006                        2/1/2007
     542.11                       53136.46                       53200                    11.875                  ATLANTA                                                         GA                          30315                         2                      2                       11/1/2006                     10/1/2021                    10/12/2006                        2/1/2007
     173.33                          20800                       20800                        10                  DAVENPORT                                                       FL                          33897                         1                      2                       12/1/2006                     11/1/2036                    10/18/2006                        2/1/2007
     213.99                       20981.26                       21000                    11.875                  AUSTIN                                                          TX                          78727                         1                      2                       12/1/2006                     11/1/2021                    10/12/2006                        2/1/2007
     212.67                          23200                       23200                        11                  BOISE                                                           ID                          83713                         1                      2                       12/1/2006                     11/1/2036                     10/9/2006                        2/1/2007
      259.9                       26330.88                       26500                    11.375                  GARLAND                                                         UT                          84312                         4                      2                       12/1/2006                     11/1/2021                    10/26/2006                        2/1/2007
     493.17                          53800                       53800                        11                  LAS VEGAS                                                       NV                          89110                         1                      2                       12/1/2006                     11/1/2036                    10/10/2006                        2/1/2007
        275                          30000                       30000                        11                  TAMPA                                                           FL                          33510                         1                      2                       12/1/2006                     11/1/2036                    10/12/2006                        2/1/2007
     161.14                        13538.7                       13600                        14                  IDAHO FALLS                                                     ID                          83402                         2                      2                       12/1/2006                     11/1/2021                     10/4/2006                        2/1/2007
     287.25                          38287                       38300                         9                  MILWAUKIE                                                       OR                          97267                         1                      2                       12/1/2006                     11/1/2036                    10/20/2006                        2/1/2007
     559.97                       58736.51                       58800                        11                  CARSON                                                          CA                          90746                         1                      2                       12/1/2006                     11/1/2021                     10/6/2006                        2/1/2007
     116.08                       11489.47                       11500                     11.75                  SALT LAKE CITY                                                  UT                          84116                         1                      2                       12/1/2006                     11/1/2021                     10/3/2006                        2/1/2007
     774.33                       80774.33                       80800                      11.5                  SAN JOSE                                                        CA                          95118                         1                      2                       12/1/2006                     11/1/2036                    10/18/2006                        2/1/2007
     192.19                        22082.6                       22500                     10.25                  RIVERSIDE                                                       CA                          92509                         1                      2                       12/1/2006                     11/1/2036                     10/6/2006                        2/1/2007
     216.33                          23600                       23600                        11                  ISANTI                                                          MN                          55040                         1                      2                       12/1/2006                     11/1/2036                    10/16/2006                        2/1/2007
     182.81                          22500                       22500                      9.75                  EUGENE                                                          OR                          97402                         1                      2                       12/1/2006                     11/1/2036                    10/12/2006                        2/1/2007
     733.73                          85900                       85900                     10.25                  HERCULES                                                        CA                          94547                         1                      2                       12/1/2006                     11/1/2036                    10/18/2006                        2/1/2007
        370                       47518.58                       48000                      9.25                  PALM SPRINGS                                                    CA                          92262                         1                      2                       12/1/2006                     11/1/2036                    10/13/2006                        2/1/2007
        627                          68400                       68400                        11                  LOS ANGELES                                                     CA                          90062                         3                      2                       12/1/2006                     11/1/2021                     10/9/2006                        2/1/2007
     263.27                       29959.86                       30000                        10                  LAS VEGAS                                                       NV                          89148                         1                      2                       12/1/2006                     11/1/2021                    10/16/2006                        2/1/2007
     435.73                          44500                       44500                     11.75                  UPLAND                                                          CA                          91786                         1                      2                       12/1/2006                     11/1/2021                    10/11/2006                        2/1/2007
     132.19                          14100                       14100                     11.25                  KILLEEN                                                         TX                          76458                         2                      2                        1/1/2007                     12/1/2036                     11/1/2006                        2/1/2007
     545.42                          59500                       59500                        11                  LAS VEGAS                                                       NV                          89134                         1                      2                       12/1/2006                     11/1/2036                    10/13/2006                        2/1/2007
     602.58                       41633.01                       42000                        12                  RIVERSIDE                                                       CA                          92505                         3                      2                        1/1/2007                     12/1/2016                     11/9/2006                        2/1/2007
     375.83                          44000                       44000                     10.25                  VICTORVILLE                                                     CA                          92392                         1                      2                       12/1/2006                     11/1/2036                     10/3/2006                        2/1/2007
     678.98                          59800                       59800                    13.625                  NEW ALBANY                                                      OH                          43054                         1                      2                       11/1/2006                     10/1/2036                    10/12/2006                        2/1/2007
     370.31                          39500                       39500                     11.25                  HYATTSVILLE                                                     MD                          20782                         1                      2                        1/1/2007                     12/1/2036                     11/1/2006                        2/1/2007
     220.31                          22500                       22500                     11.75                  TACOMA                                                          WA                          98444                         1                      2                        1/1/2007                     12/1/2021                     11/1/2006                        2/1/2007
        299                       29897.99                       29900                        12                  MILWAUKEE                                                       WI                          53218                         2                      2                       12/1/2006                     11/1/2036                    10/17/2006                        2/1/2007
     910.63                       93999.63                       94000                    11.625                  HOPKINS                                                         MN                          55343                         1                      2                       12/1/2006                     11/1/2036                    10/18/2006                        2/1/2007
     190.78                       16499.78                       16500                    13.875                  COPLEY                                                          OH                          44320                         1                      2                       11/1/2006                     10/1/2036                     10/6/2006                        2/1/2007
     1687.5                         216000                      216000                     9.375                  RANCHO CUCAMONGA                                                CA                          91739                         1                      2                       12/1/2006                     11/1/2036                    10/19/2006                        2/1/2007
     158.48                       15685.61                       15700                     11.75                  STAR                                                            ID                          83669                         1                      2                       12/1/2006                     11/1/2021                     10/3/2006                        2/1/2007
     769.17                       76130.19                       76200                     11.75                  ARVADA                                                          CO                          80005                         1                      2                       12/1/2006                     11/1/2021                    10/18/2006                        2/1/2007
     596.12                       58447.85                       58500                    11.875                  HOUSTON                                                         TX                          77004                         1                      2                       12/1/2006                     11/1/2021                    10/12/2006                        2/1/2007
     217.81                          25500                       25500                     10.25                  VANCOUVER                                                       WA                          98662                         2                      2                        1/1/2007                     12/1/2036                     11/6/2006                        2/1/2007
      696.4                       62560.73                       63000                      10.5                  HAYWARD                                                         CA                          94541                         1                      2                       12/1/2006                     11/1/2021                     10/5/2006                        2/1/2007
     288.95                       28872.79                       28900                    11.625                  MISSOURI CITY                                                   TX                          77459                         1                      2                       12/1/2006                     11/1/2021                     10/5/2006                        2/1/2007
     232.75                          26600                       26600                      10.5                  MILPITAS                                                        CA                          95035                         1                      2                       12/1/2006                     11/1/2036                    10/20/2006                        2/1/2007
     835.31                          81000                       81000                    12.375                  SCHAUMBURG                                                      IL                          60195                         1                      2                       12/1/2006                     11/1/2021                    10/13/2006                        2/1/2007
     366.63                          41900                       41900                      10.5                  LAS VEGAS                                                       NV                          89148                         1                      2                       12/1/2006                     11/1/2036                    10/11/2006                        2/1/2007
        205                          24600                       24600                        10                  PHOENIX                                                         AZ                          85051                         1                      2                       12/1/2006                     11/1/2036                     10/5/2006                        2/1/2007
     209.94                       21179.49                       21200                      11.5                  DOUGLASVILLE                                                    GA                          30135                         1                      2                       12/1/2006                     11/1/2021                    10/26/2006                        2/1/2007
     590.63                          63000                       63000                     11.25                  HAYWARD                                                         CA                          94544                         1                      2                       12/1/2006                     11/1/2036                     10/5/2006                        2/1/2007
     389.06                          41500                       41500                     11.25                  PERRIS                                                          CA                          92571                         1                      2                       12/1/2006                     11/1/2036                    10/16/2006                        2/1/2007
     109.69                       13499.05                       13500                      9.75                  CHICAGO                                                         IL                          60639                         1                      2                       11/1/2006                     10/1/2036                     9/29/2006                        2/1/2007
     364.88                          41700                       41700                      10.5                  TIGARD                                                          OR                          97224                         1                      2                       12/1/2006                     11/1/2036                    10/11/2006                        2/1/2007
     293.33                       31999.99                       32000                        11                  NORTH BEND                                                      WA                          98045                         1                      2                       12/1/2006                     11/1/2036                     10/6/2006                        2/1/2007
     387.19                          41300                       41300                     11.25                  NEWARK                                                          CA                          94560                         1                      2                       12/1/2006                     11/1/2036                    10/18/2006                        2/1/2007
        345                       36545.82                       36800                     11.25                  LAS VEGAS                                                       NV                          89141                         1                      2                       12/1/2006                     11/1/2036                     10/5/2006                        2/1/2007
     434.69                          39000                       39000                    13.375                  OTSEGO                                                          MN                          55301                         1                      2                       12/1/2006                     11/1/2036                    10/13/2006                        2/1/2007
     328.13                       34983.43                       35000                     11.25                  MEDFORD                                                         OR                          97504                         1                      2                       12/1/2006                     11/1/2036                    10/19/2006                        2/1/2007
     399.79                          50500                       50500                       9.5                  NAPLES                                                          FL                          34114                         1                      2                       12/1/2006                     11/1/2036                    10/19/2006                        2/1/2007
     179.71                          22700                       22700                       9.5                  RIO RICO                                                        AZ                          85648                         1                      2                       12/1/2006                     11/1/2036                    10/10/2006                        2/1/2007
     228.44                          25500                       25500                     10.75                  WESTMONT                                                        IL                          60559                         1                      2                       12/1/2006                     11/1/2036                    10/19/2006                        2/1/2007
     548.23                          55400                       55400                    11.875                  PORTERVILLE                                                     CA                          93257                         1                      2                       12/1/2006                     11/1/2036                    10/11/2006                        2/1/2007
      95.83                        9996.14                       10000                      11.5                  FAYETTEVILLE                                                    NC                          28306                         1                      2                       12/1/2006                     11/1/2036                    10/18/2006                        2/1/2007
        100                          10000                       10000                        12                  DISTRICT HEIGHTS                                                MD                          20747                         1                      2                       12/1/2006                     11/1/2036                    10/17/2006                        2/1/2007
     104.17                          10000                       10000                      12.5                  ALLENTOWN                                                       PA                          18101                         1                      2                       12/1/2006                     11/1/2036                    10/20/2006                        2/1/2007
     104.17                          10000                       10000                      12.5                  ALLENTOWN                                                       PA                          18101                         1                      2                       12/1/2006                     11/1/2036                    10/20/2006                        2/1/2007
     622.42                          67900                       67900                        11                  MUKILTEO                                                        WA                          98275                         1                      2                       12/1/2006                     11/1/2036                    10/25/2006                        2/1/2007
     365.75                          39900                       39900                        11                  WOODRIDGE                                                       IL                          60517                         1                      2                       12/1/2006                     11/1/2036                    10/13/2006                        2/1/2007
     336.88                          38500                       38500                      10.5                  MENIFEE                                                         CA                          92584                         1                      2                       12/1/2006                     11/1/2036                    10/16/2006                        2/1/2007
      187.5                          20000                       20000                     11.25                  SEAFORD                                                         DE                          19973                         1                      2                       12/1/2006                     11/1/2036                    10/13/2006                        2/1/2007
     114.58                          11000                       11000                      12.5                  ALLENTOWN                                                       PA                          18101                         2                      2                       12/1/2006                     11/1/2036                    10/20/2006                        2/1/2007
     270.42                          29500                       29500                        11                  LANCASTER                                                       CA                          93535                         1                      2                       12/1/2006                     11/1/2036                    10/18/2006                        2/1/2007
     224.04                       23971.97                       24000                     10.75                  WOODLAND                                                        WA                          98674                         1                      2                       12/1/2006                     11/1/2021                    10/17/2006                        2/1/2007
      187.5                       19990.53                       20000                     11.25                  MONMOUTH                                                        OR                          97361                         1                      2                       12/1/2006                     11/1/2036                    10/12/2006                        2/1/2007
     792.23                       79922.57                       80000                      11.5                  ORLANDO                                                         FL                          32839                         1                      2                       12/1/2006                     11/1/2021                    10/25/2006                        2/1/2007
     190.67                          20800                       20800                        11                  VANCOUVER                                                       WA                          98661                         1                      2                       12/1/2006                     11/1/2036                    10/16/2006                        2/1/2007
     235.63                          29000                       29000                      9.75                  HENDERSON                                                       NV                          89074                         1                      2                       12/1/2006                     11/1/2036                     10/3/2006                        2/1/2007
     424.67                       39199.33                       39200                        13                  WASHINGTON                                                      DC                          20011                         1                      2                       12/1/2006                     11/1/2036                    10/25/2006                        2/1/2007
        165                          19800                       19800                        10                  PORTLAND                                                        OR                          97217                         1                      2                       12/1/2006                     11/1/2036                    10/12/2006                        2/1/2007
     273.58                       26788.88                       26800                     12.25                  PUYALLUP                                                        WA                          98374                         1                      2                       12/1/2006                     11/1/2036                    10/19/2006                        2/1/2007
     263.54                          27500                       27500                      11.5                  FRESNO                                                          CA                          93722                         1                      2                       12/1/2006                     11/1/2021                    10/20/2006                        2/1/2007
     510.94                          54500                       54500                     11.25                  COVINA                                                          CA                          91723                         1                      2                       12/1/2006                     11/1/2036                     10/6/2006                        2/1/2007
      490.3                       51942.33                       52000                    10.875                  LA MIRADA                                                       CA                          90638                         1                      2                       12/1/2006                     11/1/2021                    10/10/2006                        2/1/2007
      500.2                       51447.34                       51500                     11.25                  OAKLAND                                                         CA                          94621                         1                      2                       12/1/2006                     11/1/2021                     10/4/2006                        2/1/2007
     586.98                          57500                       57500                     12.25                  SOUTH SAN FRANCISCO                                             CA                          94080                         1                      2                       12/1/2006                     11/1/2036                    10/13/2006                        2/1/2007
        492                          57600                       57600                     10.25                  COCOA BEACH                                                     FL                          32931                         1                      2                       12/1/2006                     11/1/2036                    10/10/2006                        2/1/2007
        132                          14400                       14400                        11                  ST PAUL                                                         MN                          55104                         1                      2                       12/1/2006                     11/1/2036                    10/11/2006                        2/1/2007
     118.41                        9925.85                       10000                     11.75                  PITTSBURGH                                                      PA                          15205                         4                      2                       12/1/2006                     11/1/2021                    10/17/2006                        2/1/2007
     766.67                          80000                       80000                      11.5                  COCOA BEACH                                                     FL                          32931                         1                      2                       12/1/2006                     11/1/2036                    10/10/2006                        2/1/2007
     211.46                       28978.85                       29000                      8.75                  TELFORD                                                         PA                          18969                         1                      2                       12/1/2006                     11/1/2036                    10/12/2006                        2/1/2007
     220.08                       27788.92                       27800                       9.5                  SAN ANTONIO                                                     TX                          78258                         1                      2                       12/1/2006                     11/1/2036                    10/12/2006                        2/1/2007
     168.67                          18400                       18400                        11                  PORTLAND                                                        OR                          97206                         1                      2                       12/1/2006                     11/1/2036                    10/16/2006                        2/1/2007
     165.52                          22700                       22700                      8.75                  RIO RICO                                                        AZ                          85648                         1                      2                       12/1/2006                     11/1/2036                    10/13/2006                        2/1/2007
     158.96                        15586.1                       15600                    11.875                  CONVERSE                                                        TX                          78109                         1                      2                       12/1/2006                     11/1/2021                    10/27/2006                        2/1/2007
     528.75                          54000                       54000                     11.75                  HANFORD                                                         CA                          93230                         1                      2                       12/1/2006                     11/1/2036                    10/12/2006                        2/1/2007
     274.17                          28000                       28000                     11.75                  VALLEJO                                                         CA                          94590                         1                      2                       12/1/2006                     11/1/2036                    10/17/2006                        2/1/2007
        320                          32000                       32000                        12                  WILLIS                                                          TX                          77318                         1                      2                       12/1/2006                     11/1/2036                    10/31/2006                        2/1/2007
      237.5                        29974.9                       30000                       9.5                  LAS VEGAS                                                       NV                          89122                         1                      2                       12/1/2006                     11/1/2036                    10/10/2006                        2/1/2007
     201.67                          22000                       22000                        11                  WEST JORDAN                                                     UT                          84088                         1                      2                       12/1/2006                     11/1/2036                    10/24/2006                        2/1/2007
     312.19                          33300                       33300                     11.25                  BOTHELL                                                         WA                          98012                         1                      2                        1/1/2007                     12/1/2036                     11/1/2006                        2/1/2007
        255                          25495                       25500                        12                  LAS VEGAS                                                       NV                          89107                         1                      2                       12/1/2006                     11/1/2036                    10/12/2006                        2/1/2007
     226.42                       28585.11                       28600                       9.5                  GRAHAM                                                          WA                          98338                         1                      2                       12/1/2006                     11/1/2036                    10/17/2006                        2/1/2007
     123.96                       17447.73                       17500                       8.5                  SWANSEA                                                         MA                           2777                         1                      2                        1/1/2007                     12/1/2036                     11/1/2006                        2/1/2007
     138.64                       13986.45                       14000                      11.5                  SPOKANE                                                         WA                          99207                         2                      2                       12/1/2006                     11/1/2021                    10/10/2006                        2/1/2007
     333.33                          50000                       50000                         8                  KEIZER                                                          OR                          97303                         1                      2                       12/1/2006                     11/1/2036                    10/23/2006                        2/1/2007
     141.98                       14016.84                       14500                     11.75                  AMERICAN FORK                                                   UT                          84003                         1                      2                       12/1/2006                     11/1/2036                    10/17/2006                        2/1/2007
     201.56                          21500                       21500                     11.25                  IRVINGTON                                                       NJ                           7111                         1                      2                       12/1/2006                     11/1/2036                    10/26/2006                        2/1/2007
     145.92                       13599.84                       13600                    12.875                  CINCINNATI                                                      OH                          45207                         1                      2                       12/1/2006                     11/1/2036                    10/24/2006                        2/1/2007
      302.5                          33000                       33000                        11                  LANCASTER                                                       CA                          93535                         1                      2                       12/1/2006                     11/1/2036                    10/23/2006                        2/1/2007
     235.88                          22200                       22200                     12.75                  TEMPE                                                           AZ                          85282                         1                      2                       12/1/2006                     11/1/2036                    10/12/2006                        2/1/2007
     303.17                       29175.37                       29200                    12.125                  SAN ANTONIO                                                     TX                          78201                         4                      2                       12/1/2006                     11/1/2021                    10/30/2006                        2/1/2007
     120.73                       12199.67                       12200                    11.875                  GALLOWAY                                                        NJ                           8205                         1                      2                       12/1/2006                     11/1/2036                    10/30/2006                        2/1/2007
     640.63                          75000                       75000                     10.25                  AVON                                                            CO                          81620                         1                      2                       12/1/2006                     11/1/2036                    10/16/2006                        2/1/2007
     139.09                       14883.02                       14900                     10.75                  WYLIE                                                           TX                          75098                         1                      2                       12/1/2006                     11/1/2021                    10/26/2006                        2/1/2007
     107.81                          11500                       11500                     11.25                  CHARLOTTE                                                       NC                          28214                         1                      2                       12/1/2006                     11/1/2036                    10/27/2006                        2/1/2007
      305.5                          31200                       31200                     11.75                  HYATTSVILLE                                                     MD                          20782                         1                      2                       12/1/2006                     11/1/2036                     11/1/2006                        2/1/2007
      291.5                          31800                       31800                        11                  LANCASTER                                                       CA                          93535                         1                      2                       12/1/2006                     11/1/2036                    10/19/2006                        2/1/2007
     109.69                          11700                       11700                     11.25                  CHARLOTTE                                                       NC                          28214                         1                      2                       12/1/2006                     11/1/2036                    10/27/2006                        2/1/2007
     117.19                          12500                       12500                     11.25                  CHARLOTTTE                                                      NC                          28214                         1                      2                       12/1/2006                     11/1/2036                    10/27/2006                        2/1/2007
     168.35                       16983.54                       17000                      11.5                  ATLANTA                                                         GA                          30345                         1                      2                       12/1/2006                     11/1/2021                    10/20/2006                        2/1/2007
     522.29                          54500                       54500                      11.5                  HALLANDALE BEACH                                                FL                          33009                         1                      2                       12/1/2006                     11/1/2036                    10/27/2006                        2/1/2007
     245.15                       28440.25                       28700                     10.25                  CORAL SPRINGS                                                   FL                          33071                         1                      2                       12/1/2006                     11/1/2036                    10/19/2006                        2/1/2007
     299.75                        32640.9                       32700                        11                  BONNEY LAKE                                                     WA                          98391                         1                      2                       12/1/2006                     11/1/2036                    10/27/2006                        2/1/2007
     924.48                         125000                      125000                     8.875                  HOUSTON                                                         TX                          77024                         1                      2                        1/1/2007                     12/1/2036                     11/3/2006                        2/1/2007
     275.63                          29400                       29400                     11.25                  STOCKTON                                                        CA                          95215                         1                      2                       12/1/2006                     11/1/2036                    10/23/2006                        2/1/2007
     124.52                       13892.98                       13900                     10.75                  SAINT PAUL                                                      MN                          55117                         1                      2                       12/1/2006                     11/1/2036                    10/20/2006                        2/1/2007
      717.5                          84000                       84000                     10.25                  INDIO                                                           CA                          92201                         1                      2                       12/1/2006                     11/1/2036                    10/17/2006                        2/1/2007
    1039.17                         116000                      116000                     10.75                  LA QUINTA                                                       CA                          92253                         1                      2                       12/1/2006                     11/1/2036                    10/19/2006                        2/1/2007
     264.06                          32500                       32500                      9.75                  WEST HAVEN                                                      UT                          84401                         1                      2                       12/1/2006                     11/1/2036                    10/11/2006                        2/1/2007
     880.73                          95000                       95000                    11.125                  SAN JOSE                                                        CA                          95133                         1                      2                       12/1/2006                     11/1/2036                    10/16/2006                        2/1/2007
     568.33                          62000                       62000                        11                  APPLE VALLEY                                                    CA                          92307                         4                      2                       12/1/2006                     11/1/2036                    10/13/2006                        2/1/2007
     204.65                          20900                       20900                     11.75                  DOUGLASVILLE                                                    GA                          30135                         1                      2                       12/1/2006                     11/1/2036                    10/19/2006                        2/1/2007
     213.46                          21800                       21800                     11.75                  DOUGLASVILLE                                                    GA                          30135                         1                      2                       12/1/2006                     11/1/2036                    10/19/2006                        2/1/2007
     178.75                          19500                       19500                        11                  DELTONA                                                         FL                          32738                         1                      2                       12/1/2006                     11/1/2036                    10/20/2006                        2/1/2007
     193.38                          23800                       23800                      9.75                  FT WORTH                                                        TX                          76131                         1                      2                       12/1/2006                     11/1/2036                    10/25/2006                        2/1/2007
     113.44                       15324.76                       16500                      8.25                  LOVELAND                                                        CO                          80538                         1                      2                        1/1/2007                     12/1/2036                     11/6/2006                        2/1/2007
     204.65                          20900                       20900                     11.75                  COVINGTON                                                       GA                          30014                         1                      2                       12/1/2006                     11/1/2036                    10/19/2006                        2/1/2007
     213.46                          21800                       21800                     11.75                  COVINGTON                                                       GA                          30014                         1                      2                       12/1/2006                     11/1/2036                    10/19/2006                        2/1/2007
     146.36                       15917.86                       16000                      10.5                  SACRAMENTO                                                      CA                          95828                         1                      2                       12/1/2006                     11/1/2021                    10/18/2006                        2/1/2007
     328.24                       37748.04                       37800                     9.875                  CHESTERFIELD                                                    VA                          23832                         1                      2                       12/1/2006                     11/1/2021                    10/26/2006                        2/1/2007
     910.63                          93000                       93000                     11.75                  SPRING VALLEY                                                   CA                          91977                         1                      2                       12/1/2006                     11/1/2036                    10/13/2006                        2/1/2007
      208.9                       21278.82                       21300                    11.375                  BATON ROUGE                                                     LA                          70808                         1                      2                       12/1/2006                     11/1/2021                    10/20/2006                        2/1/2007
        250                          30000                       30000                        10                  LORTON                                                          VA                          22079                         1                      2                       12/1/2006                     11/1/2036                    10/25/2006                        2/1/2007
     490.49                       50448.37                       50500                     11.25                  BEAUMONT                                                        CA                          92223                         1                      2                       12/1/2006                     11/1/2021                    10/18/2006                        2/1/2007
     201.71                          20600                       20600                     11.75                  TACOMA                                                          WA                          98404                         1                      2                        1/1/2007                     12/1/2021                     11/2/2006                        2/1/2007
     743.13                          61500                       61500                      14.5                  PORTLAND                                                        OR                          97214                         1                      2                       12/1/2006                     11/1/2036                    10/12/2006                        2/1/2007
        338                          31200                       31200                        13                  LAS VEGAS                                                       NV                          89139                         1                      2                        1/1/2007                     12/1/2036                     11/9/2006                        2/1/2007
     404.17                          48500                       48500                        10                  SANTA CLARITA                                                   CA                          91350                         1                      2                        1/1/2007                     12/1/2036                     11/3/2006                        2/1/2007
        182                          16800                       16800                        13                  EMMETT                                                          ID                          83617                         1                      2                       12/1/2006                     11/1/2036                    10/23/2006                        2/1/2007
       3335                         368000                      368000                    10.875                  NORMANDY PARK                                                   WA                          98166                         1                      2                       12/1/2006                     11/1/2036                    10/18/2006                        2/1/2007
     191.97                       19181.91                       19200                    11.625                  AUSTIN                                                          TX                          78748                         1                      2                       12/1/2006                     11/1/2021                    10/16/2006                        2/1/2007
     539.05                       55443.26                       55500                     11.25                  STOCKTON                                                        CA                          95206                         1                      2                       12/1/2006                     11/1/2021                    10/18/2006                        2/1/2007
        418                          41800                       41800                        12                  VANCOUVER                                                       WA                          98661                         4                      2                       12/1/2006                     11/1/2036                    10/25/2006                        2/1/2007
     559.96                          60400                       60400                    11.125                  SAN DIEGO                                                       CA                          92127                         1                      2                       12/1/2006                     11/1/2036                    10/24/2006                        2/1/2007
     381.56                          37000                       37000                    12.375                  LARGO                                                           FL                          33773                         1                      2                       12/1/2006                     11/1/2036                    10/19/2006                        2/1/2007
     569.94                          82900                       82900                      8.25                  TORRANCE                                                        CA                          90505                         1                      2                       12/1/2006                     11/1/2036                    10/24/2006                        2/1/2007
      80.21                          10000                       10000                     9.625                  KATY                                                            TX                          77449                         1                      2                        1/1/2007                     12/1/2036                     11/1/2006                        2/1/2007
     305.38                          34900                       34900                      10.5                  HAMBURG                                                         NJ                           7419                         1                      2                       12/1/2006                     11/1/2036                    10/20/2006                        2/1/2007
     825.31                          83400                       83400                    11.875                  SEATTLE                                                         WA                          98105                         3                      2                        1/1/2007                     12/1/2036                     11/8/2006                        2/1/2007
     189.38                          20200                       20200                     11.25                  LAFAYETTE                                                       IN                          47909                         2                      2                       12/1/2006                     11/1/2036                    10/24/2006                        2/1/2007
        415                          41500                       41500                        12                  SAN JUAN CAPISTRANO                                             CA                          92675                         1                      2                       12/1/2006                     11/1/2036                    10/20/2006                        2/1/2007
     769.43                          86900                       86900                    10.625                  HESPERIA                                                        CA                          92344                         1                      2                       12/1/2006                     11/1/2036                    10/16/2006                        2/1/2007
        376                       34574.62                       34600                     12.75                  WASHINGTON                                                      DC                          20032                         1                      2                       12/1/2006                     11/1/2021                    10/31/2006                        2/1/2007
      227.5                          26000                       26000                      10.5                  FRESNO                                                          CA                          93705                         1                      2                       12/1/2006                     11/1/2021                    10/20/2006                        2/1/2007
        160                          24000                       24000                         8                  CHANDLER                                                        AZ                          85249                         1                      2                       12/1/2006                     11/1/2036                    10/17/2006                        2/1/2007
     253.13                          27000                       27000                     11.25                  LAS VEGAS                                                       NV                          89121                         1                      2                       12/1/2006                     11/1/2036                    10/19/2006                        2/1/2007
     271.88                          29000                       29000                     11.25                  REDDING                                                         CA                          96003                         1                      2                       12/1/2006                     11/1/2036                    10/18/2006                        2/1/2007
     436.33                       47642.64                       47700                      10.5                  NORWALK                                                         CA                          90650                         1                      2                       12/1/2006                     11/1/2021                    10/26/2006                        2/1/2007
     328.13                       34999.13                       35000                     11.25                  AREA OF BAKERSFIELD                                             CA                          93308                         1                      2                        1/1/2007                     12/1/2036                     11/2/2006                        2/1/2007
     595.83                          71500                       71500                        10                  TRACY                                                           CA                          95377                         1                      2                       12/1/2006                     11/1/2036                    10/23/2006                        2/1/2007
     176.04                          16900                       16900                      12.5                  BIRMINGHAM                                                      AL                          35212                         3                      2                       12/1/2006                     11/1/2036                    10/26/2006                        2/1/2007
     516.25                          59000                       59000                      10.5                  ANNANDALE                                                       VA                          22003                         1                      2                        1/1/2007                     12/1/2036                     11/2/2006                        2/1/2007
     340.44                          41900                       41900                      9.75                  MONTROSE                                                        CA                          91020                         1                      2                       12/1/2006                     11/1/2036                    10/17/2006                        2/1/2007
     376.63                       28079.12                       28500                        10                  FRESNO                                                          CA                          93705                         1                      2                       12/1/2006                     11/1/2016                    10/12/2006                        2/1/2007
     652.67                          71200                       71200                        11                  MORENO VALLEY                                                   CA                          92555                         1                      2                       12/1/2006                     11/1/2036                    10/23/2006                        2/1/2007
     385.79                          39400                       39400                     11.75                  ATLANTA                                                         GA                          30363                         1                      2                       12/1/2006                     11/1/2036                     11/2/2006                        2/1/2007
      247.7                       22982.66                       23000                    12.625                  ATLANTA                                                         GA                          30349                         1                      2                       12/1/2006                     11/1/2021                    10/24/2006                        2/1/2007
     633.33                       75993.33                       76000                        10                  LONG BEACH                                                      CA                          90805                         4                      2                       12/1/2006                     11/1/2036                    10/19/2006                        2/1/2007
     175.36                          18500                       18500                    11.375                  KALISPELL                                                       MT                          59901                         1                      2                       12/1/2006                     11/1/2036                    10/23/2006                        2/1/2007
     403.13                          45000                       45000                     10.75                  ONTARIO                                                         CA                          91761                         1                      2                       12/1/2006                     11/1/2036                    10/17/2006                        2/1/2007
     584.91                       58463.44                       58500                    11.625                  COVINA                                                          CA                          91722                         1                      2                        1/1/2007                     12/1/2021                    11/14/2006                        2/1/2007
     509.17                          52000                       52000                     11.75                  ANTIOCH                                                         CA                          94509                         1                      2                       12/1/2006                     11/1/2036                    10/30/2006                        2/1/2007
     260.86                          31700                       31700                     9.875                  MARYSVILLE                                                      WA                          98270                         1                      2                       12/1/2006                     11/1/2036                    10/17/2006                        2/1/2007
     338.02                       29477.91                       29500                     13.75                  WASHINGTON                                                      DC                          20005                         1                      2                       12/1/2006                     11/1/2036                    10/31/2006                        2/1/2007
     273.13                       28383.27                       28500                      11.5                  EVERETT                                                         WA                          98205                         1                      2                       12/1/2006                     11/1/2021                    10/17/2006                        2/1/2007
     446.26                       45607.29                       46000                      8.25                  MORENO VALLEY                                                   CA                          92555                         1                      2                       12/1/2006                     11/1/2021                    10/16/2006                        2/1/2007
        300                          32000                       32000                     11.25                  SANDY                                                           OR                          97055                         1                      2                       12/1/2006                     11/1/2036                    10/25/2006                        2/1/2007
     312.71                          38000                       38000                     9.875                  MIAMI BEACH                                                     FL                          33140                         1                      2                       12/1/2006                     11/1/2036                    10/27/2006                        2/1/2007
     162.25                          17700                       17700                        11                  COCOA                                                           FL                          32927                         1                      2                       12/1/2006                     11/1/2036                    10/24/2006                        2/1/2007
     283.67                       29483.67                       29600                      11.5                  RUTHER GLEN                                                     VA                          22546                         1                      2                       12/1/2006                     11/1/2036                    10/26/2006                        2/1/2007
     206.04                          23000                       23000                     10.75                  CLEARWATER                                                      FL                          33763                         1                      2                       12/1/2006                     11/1/2036                    10/17/2006                        2/1/2007
        840                          96000                       96000                      10.5                  COPPER MOUNTAIN                                                 CO                          80443                         1                      2                       12/1/2006                     11/1/2036                    10/31/2006                        2/1/2007
     198.88                          25800                       25800                      9.25                  HANOVER PARK                                                    IL                          60133                         1                      2                       12/1/2006                     11/1/2036                    10/20/2006                        2/1/2007
     421.04                       42578.96                       43000                     11.75                  MORENO VALLEY                                                   CA                          92551                         1                      2                       12/1/2006                     11/1/2036                    10/17/2006                        2/1/2007
     570.32                       56413.33                       56500                     11.75                  PITTSBURG                                                       CA                          94565                         1                      2                       12/1/2006                     11/1/2021                    10/20/2006                        2/1/2007
     265.83                          29000                       29000                        11                  NORTH PORT                                                      FL                          34288                         1                      2                        1/1/2007                     12/1/2036                     11/3/2006                        2/1/2007
      337.5                          36000                       36000                     11.25                  SACRAMENTO                                                      CA                          95838                         1                      2                        1/1/2007                     12/1/2036                     11/8/2006                        2/1/2007
    1127.83                      107132.33                      107200                    12.625                  WINDSOR                                                         CA                          95492                         1                      2                       12/1/2006                     11/1/2036                    10/13/2006                        2/1/2007
        245                           4500                       24500                        12                  HURON                                                           CA                          93234                         1                      2                        1/1/2007                     12/1/2036                     11/3/2006                        2/1/2007
     342.47                          28100                       28100                    14.625                  PORTLAND                                                        OR                          97220                         1                      2                       12/1/2006                     11/1/2036                    10/24/2006                        2/1/2007
     567.92                          58000                       58000                     11.75                  LATHROP                                                         CA                          95330                         1                      2                       12/1/2006                     11/1/2036                    10/26/2006                        2/1/2007
     391.08                          36100                       36100                        13                  SAN RAFAEL                                                      CA                          94901                         1                      2                       12/1/2006                     11/1/2036                    10/17/2006                        2/1/2007
     429.38                       45749.38                       45800                     11.25                  WASHINGTON                                                      UT                          84780                         1                      2                       12/1/2006                     11/1/2036                    10/19/2006                        2/1/2007
      99.98                        9990.59                       10000                    11.625                  SAN ANTONIO                                                     TX                          78247                         1                      2                       12/1/2006                     11/1/2021                    10/18/2006                        2/1/2007
     580.94                        70846.6                       71500                      9.75                  WINDSOR                                                         CA                          95492                         1                      2                       12/1/2006                     11/1/2036                    10/17/2006                        2/1/2007
        116                          11550                       11600                        12                  MCDONOUGH                                                       GA                          30253                         1                      2                       12/1/2006                     11/1/2036                    10/20/2006                        2/1/2007
     341.25                          45500                       45500                         9                  SANTA MARIA                                                     CA                          93454                         1                      2                       12/1/2006                     11/1/2036                    10/18/2006                        2/1/2007
     627.72                       47034.29                       47500                        10                  GRASS VALLEY                                                    CA                          95945                         1                      2                        1/1/2007                     12/1/2016                     11/7/2006                        2/1/2007
     199.33                       20786.03                       20800                      11.5                  SHELTON                                                         WA                          98584                         1                      2                       12/1/2006                     11/1/2036                    10/30/2006                        2/1/2007
     248.21                          25900                       25900                      11.5                  VANCOUVER                                                       WA                          98682                         2                      2                       12/1/2006                     11/1/2036                    10/26/2006                        2/1/2007
     115.31                          12300                       12300                     11.25                  FLORISSANT                                                      MO                          63031                         1                      2                       12/1/2006                     11/1/2036                    10/19/2006                        2/1/2007
        156                          20800                       20800                         9                  MCKINNEY                                                        TX                          75070                         1                      2                       12/1/2006                     11/1/2036                    10/25/2006                        2/1/2007
     166.83                          15400                       15400                        13                  SOUTH DAYTONA                                                   FL                          32119                         1                      2                       12/1/2006                     11/1/2036                    10/31/2006                        2/1/2007
     529.88                          62800                       62800                    10.125                  CORONA                                                          CA                          92880                         1                      2                       12/1/2006                     11/1/2036                    10/23/2006                        2/1/2007
     380.25                          46800                       46800                      9.75                  OAKLAND                                                         CA                          94601                         1                      2                        1/1/2007                     12/1/2021                     11/1/2006                        2/1/2007
     181.04                          22000                       22000                     9.875                  PHOENIX                                                         AZ                          85051                         1                      2                        1/1/2007                     12/1/2036                     11/2/2006                        2/1/2007
     135.83                          16300                       16300                        10                  PORTLAND                                                        OR                          97203                         1                      2                        1/1/2007                     12/1/2036                     11/3/2006                        2/1/2007
     569.42                        60930.5                       61000                     10.75                  BUENA PARK                                                      CA                          90621                         1                      2                       12/1/2006                     11/1/2021                    10/19/2006                        2/1/2007
     210.62                       23947.53                       24000                        10                  MODESTO                                                         CA                          95356                         1                      2                       12/1/2006                     11/1/2021                    10/17/2006                        2/1/2007
     346.88                          37000                       37000                     11.25                  WOODBRIDGE                                                      VA                          22193                         1                      2                       12/1/2006                     11/1/2036                    10/25/2006                        2/1/2007
     295.83                          35200                       35500                        10                  MORENO VALLEY                                                   CA                          92551                         1                      2                       12/1/2006                     11/1/2036                    10/18/2006                        2/1/2007
     457.41                       48944.15                       49000                     10.75                  OAKLEY                                                          CA                          94561                         1                      2                       12/1/2006                     11/1/2021                    10/25/2006                        2/1/2007
      482.5                          57900                       57900                        10                  INGLEWOOD                                                       CA                          90305                         1                      2                       12/1/2006                     11/1/2036                    10/18/2006                        2/1/2007
     852.19                         101000                      101000                    10.125                  HACIENDA HEIGHTS                                                CA                          91745                         1                      2                       12/1/2006                     11/1/2036                    10/18/2006                        2/1/2007
        375                       35949.48                       36000                      12.5                  LAWRENCE                                                        MA                           1841                         2                      2                       12/1/2006                     11/1/2036                    10/27/2006                        2/1/2007
     386.21                       38962.26                       39000                      11.5                  HIGHLAND VILLAGE                                                TX                          75077                         1                      2                       12/1/2006                     11/1/2021                    10/24/2006                        2/1/2007
      85.42                          10000                       10000                     10.25                  LAWRENCE                                                        MA                           1841                         1                      2                       12/1/2006                     11/1/2036                    10/26/2006                        2/1/2007
     366.67                          43995                       44000                        10                  VANCOUVER                                                       WA                          98662                         1                      2                        1/1/2007                     12/1/2021                     11/1/2006                        2/1/2007
        660                          72000                       72000                        11                  LOS ANGELES                                                     CA                          90066                         1                      2                       12/1/2006                     11/1/2036                    10/17/2006                        2/1/2007
     483.44                          39000                       39000                    14.875                  LAMONT                                                          CA                          93241                         2                      2                       12/1/2006                     11/1/2036                    10/26/2006                        2/1/2007
     131.98                       13187.58                       13200                    11.625                  SAN ANTONIO                                                     TX                          78210                         1                      2                       12/1/2006                     11/1/2021                    10/25/2006                        2/1/2007
     297.92                       32499.95                       32500                        11                  BRENTWOOD                                                       MD                          20722                         1                      2                       12/1/2006                     11/1/2036                    10/26/2006                        2/1/2007
     333.33                          40000                       40000                        10                  CERES                                                           CA                          95307                         1                      2                       12/1/2006                     11/1/2036                    10/20/2006                        2/1/2007
     470.44                       57740.23                       57900                      9.75                  GARDENA                                                         CA                          90249                         1                      2                       12/1/2006                     11/1/2036                    10/20/2006                        2/1/2007
     470.21                          61000                       61000                      9.25                  EL MONTE                                                        CA                          91732                         1                      2                       12/1/2006                     11/1/2021                    10/20/2006                        2/1/2007
     401.25                          53500                       53500                         9                  ROHNERT PARK                                                    CA                          94928                         1                      2                        1/1/2007                     12/1/2036                     11/7/2006                        2/1/2007
     544.66                       54964.67                       55000                      11.5                  RIVERSIDE                                                       CA                          92509                         1                      2                        1/1/2007                     12/1/2021                    11/14/2006                        2/1/2007
     219.39                       24953.28                       25000                        10                  MORENO VALLEY                                                   CA                          92557                         1                      2                       12/1/2006                     11/1/2021                    10/19/2006                        2/1/2007
      347.6                        35447.6                       35500                     11.75                  COVINA                                                          CA                          91724                         1                      2                       12/1/2006                     11/1/2036                    10/24/2006                        2/1/2007
     790.63                          75900                       75900                      12.5                  CHICAGO                                                         IL                          60613                         2                      2                       12/1/2006                     11/1/2036                    10/31/2006                        2/1/2007
      797.5                          87000                       87000                        11                  SAN JOSE                                                        CA                          95127                         1                      2                       12/1/2006                     11/1/2036                    10/26/2006                        2/1/2007
     332.92                          34000                       34000                     11.75                  LAS VEGAS                                                       NV                          89139                         1                      2                        1/1/2007                     12/1/2036                     11/5/2006                        2/1/2007
    1616.77                         186900                      187000                    10.375                  LOS ANGELES                                                     CA                          90056                         1                      2                        1/1/2007                     12/1/2036                     11/3/2006                        2/1/2007
     216.67                       25678.08                       26000                        10                  PACKWOOD                                                        WA                          98361                         1                      2                        1/1/2007                     12/1/2036                     11/1/2006                        2/1/2007
        182                          22400                       22400                      9.75                  SOUTH JORDAN                                                    UT                          84095                         1                      2                       12/1/2006                     11/1/2036                    10/25/2006                        2/1/2007
      388.5                          33600                       33600                    13.875                  HELENA                                                          AL                          35080                         1                      2                       12/1/2006                     11/1/2036                     11/3/2006                        2/1/2007
     251.17                       27397.15                       27400                        11                  NEWBURYPORT                                                     MA                           1950                         1                      2                       12/1/2006                     11/1/2036                    10/26/2006                        2/1/2007
     183.33                          20000                       20000                        11                  SILVER SPRING                                                   MD                          20902                         1                      2                       12/1/2006                     11/1/2036                    10/31/2006                        2/1/2007
     166.83                          18200                       18200                        11                  SAINT PAUL                                                      MN                          55119                         1                      2                       12/1/2006                     11/1/2036                    10/30/2006                        2/1/2007
     205.33                          22400                       22400                        11                  HENDERSON                                                       NV                          89052                         1                      2                       12/1/2006                     11/1/2036                    10/24/2006                        2/1/2007
        517                          52800                       52800                     11.75                  SOUTH GATE                                                      CA                          90280                         1                      2                       12/1/2006                     11/1/2036                    10/26/2006                        2/1/2007
      433.5                          57800                       57800                         9                  ASHBURN                                                         VA                          20147                         1                      2                       12/1/2006                     11/1/2036                    10/27/2006                        2/1/2007
     141.51                          14300                       14300                    11.875                  LAS VEGAS                                                       NV                          89103                         1                      2                       12/1/2006                     11/1/2036                    10/24/2006                        2/1/2007
     403.13                        42576.9                       43000                     11.25                  EAGAN                                                           MN                          55123                         2                      2                       12/1/2006                     11/1/2036                    10/27/2006                        2/1/2007
        775                          77500                       77500                        12                  LOS ANGELES                                                     CA                          90007                         4                      2                       12/1/2006                     11/1/2036                    10/27/2006                        2/1/2007
      356.5                       35965.17                       36000                      11.5                  SUN CITY                                                        CA                          92585                         1                      2                       12/1/2006                     11/1/2021                    10/23/2006                        2/1/2007
     243.67                          27200                       27200                     10.75                  WHEELING                                                        IL                          60090                         1                      2                       12/1/2006                     11/1/2036                     11/3/2006                        2/1/2007
     331.82                          27700                       27700                    14.375                  PORTLAND                                                        OR                          97216                         1                      2                       12/1/2006                     11/1/2036                    10/31/2006                        2/1/2007
     147.19                          15700                       15700                     11.25                  LEANDER                                                         TX                          78641                         1                      2                        1/1/2007                     12/1/2036                     11/6/2006                        2/1/2007
     164.53                       16285.08                       16300                     11.75                  SALT LAKE CITY                                                  UT                          84116                         2                      2                       12/1/2006                     11/1/2021                    10/23/2006                        2/1/2007
      537.5                          64500                       64500                        10                  MOUNTAIN HOUSE                                                  CA                          95391                         1                      2                        1/1/2007                     12/1/2036                     11/1/2006                        2/1/2007
      307.5                          36000                       36000                     10.25                  MERCED                                                          CA                          95348                         1                      2                        1/1/2007                     12/1/2021                     11/2/2006                        2/1/2007
     399.79                          38000                       38000                    12.625                  STERLING HEIGHTS                                                MI                          48314                         1                      2                        1/1/2007                     12/1/2036                     11/3/2006                        2/1/2007
     274.69                          29300                       29300                     11.25                  ST AUGUSTINE                                                    FL                          32084                         1                      2                       12/1/2006                     11/1/2036                    10/31/2006                        2/1/2007
     499.74                          47500                       47500                    12.625                  REVERE                                                          MA                           2151                         1                      2                       12/1/2006                     11/1/2036                    10/19/2006                        2/1/2007
     526.04                          50000                       50000                    12.625                  REVERE                                                          MA                           2151                         1                      2                       12/1/2006                     11/1/2036                    10/19/2006                        2/1/2007
     541.88                          51000                       51000                     12.75                  RICHMOND                                                        VA                          23223                         1                      2                       12/1/2006                     11/1/2036                    10/31/2006                        2/1/2007
     356.25                          45000                       45000                       9.5                  GOODYEAR                                                        AZ                          85338                         1                      2                        1/1/2007                     12/1/2036                     11/1/2006                        2/1/2007
     483.96                          50500                       50500                      11.5                  MILWAUKIE                                                       OR                          97267                         1                      2                        1/1/2007                     12/1/2036                    11/10/2006                        2/1/2007
      187.5                          20000                       20000                     11.25                  KEIZER                                                          OR                          97303                         1                      2                        1/1/2007                     12/1/2036                     11/7/2006                        2/1/2007
     256.67                          28000                       28000                        11                  MILWAUKIE                                                       OR                          97222                         3                      2                        1/1/2007                     12/1/2036                     11/8/2006                        2/1/2007
     326.98                          36500                       36500                     10.75                  HILLSBORO                                                       OR                          97123                         1                      2                       12/1/2006                     11/1/2036                    10/25/2006                        2/1/2007
      367.5                          42000                       42000                      10.5                  VALLEJO                                                         CA                          94591                         1                      2                        1/1/2007                     12/1/2036                     11/1/2006                        2/1/2007
      382.5                          36000                       36000                     12.75                  LA PUENTE AREA                                                  CA                          91746                         1                      2                        1/1/2007                     12/1/2036                     11/8/2006                        2/1/2007
     387.92                          49000                       49000                       9.5                  LAS VEGAS                                                       NV                          89129                         1                      2                       12/1/2006                     11/1/2036                    10/27/2006                        2/1/2007
     208.33                          25000                       25000                        10                  RIVERSIDE                                                       CA                          92504                         1                      2                        1/1/2007                     12/1/2036                     11/6/2006                        2/1/2007
     430.83                          44000                       44000                     11.75                  MECHANICSBURG                                                   PA                          17055                         1                      2                        1/1/2007                     12/1/2036                    11/13/2006                        2/1/2007
     156.67                          16000                       16000                     11.75                  SAN ANTONIO                                                     TX                          78203                         4                      2                       12/1/2006                     11/1/2036                    10/20/2006                        2/1/2007
     500.25                          52200                       52200                      11.5                  SPRINGFIELD GARDENS                                             NY                          11413                         1                      2                        1/1/2007                     12/1/2036                     11/6/2006                        2/1/2007
        360                          36000                       36000                        12                  MODESTO                                                         CA                          95358                         1                      2                       12/1/2006                     11/1/2036                    10/31/2006                        2/1/2007
     265.83                          29000                       29000                        11                  SAN BERNARDINO                                                  CA                          92408                         1                      2                       12/1/2006                     11/1/2036                    10/26/2006                        2/1/2007
     316.25                          33000                       33000                      11.5                  KELSEYVILLE                                                     CA                          95451                         1                      2                        1/1/2007                     12/1/2036                    11/14/2006                        2/1/2007
     726.27                          98200                       98200                     8.875                  LAFAYETTE                                                       CA                          94549                         1                      2                        1/1/2007                     12/1/2036                     11/8/2006                        2/1/2007
     571.09                          64500                       64500                    10.625                  WINDSOR                                                         CA                          95492                         1                      2                        1/1/2007                     12/1/2036                     11/6/2006                        2/1/2007
     229.58                          29000                       29000                       9.5                  LAS VEGAS                                                       NV                          89123                         1                      2                        1/1/2007                     12/1/2036                     11/2/2006                        2/1/2007
     339.17                          37000                       37000                        11                  TURLOCK                                                         CA                          95380                         1                      2                       12/1/2006                     11/1/2036                    10/26/2006                        2/1/2007
      412.5                          45000                       45000                        11                  HESPERIA                                                        CA                          92344                         1                      2                       12/1/2006                     11/1/2036                    10/25/2006                        2/1/2007
     367.43                       36377.87                       36400                     11.75                  PUEBLO                                                          CO                          81001                         2                      2                        1/1/2007                     12/1/2021                     11/8/2006                        2/1/2007
     367.43                       36377.87                       36400                     11.75                  PUEBLO                                                          CO                          81001                         2                      2                        1/1/2007                     12/1/2021                     11/8/2006                        2/1/2007
     230.63                          27000                       27000                     10.25                  CORINTH                                                         TX                          76208                         1                      2                        1/1/2007                     12/1/2036                     11/3/2006                        2/1/2007
     371.36                       37463.69                       37500                      11.5                  LAS VEGAS                                                       NV                          89135                         1                      2                       12/1/2006                     11/1/2021                    10/31/2006                        2/1/2007
     111.52                          10600                       10600                    12.625                  BIRMINGHAM                                                      AL                          35205                         1                      2                       12/1/2006                     11/1/2036                    10/27/2006                        2/1/2007
     292.19                          27500                       27500                     12.75                  HOLTVILLE                                                       CA                          92550                         3                      2                        1/1/2007                     12/1/2036                     11/3/2006                        2/1/2007
     359.38                          34500                       34500                      12.5                  NORCROSS                                                        GA                          30092                         4                      2                       12/1/2006                     11/1/2036                    10/27/2006                        2/1/2007
      607.5                        64797.5                       64800                     11.25                  HAYWARD                                                         CA                          94544                         1                      2                        1/1/2007                     12/1/2036                     11/1/2006                        2/1/2007
        375                          50000                       50000                         9                  SONOMA                                                          CA                          95476                         1                      2                       12/1/2006                     11/1/2036                    10/27/2006                        2/1/2007
     356.42                       35692.95                       36400                     11.75                  VANCOUVER                                                       WA                          98684                         1                      2                        1/1/2007                     12/1/2036                     11/2/2006                        2/1/2007
     433.33                          52000                       52000                        10                  CORONA                                                          CA                          92881                         1                      2                        1/1/2007                     12/1/2036                     11/3/2006                        2/1/2007
     197.08                          22000                       22000                     10.75                  SAN JOSE                                                        CA                          95111                         1                      2                        1/1/2007                     12/1/2036                     11/9/2006                        2/1/2007
        300                          40000                       40000                         9                  TURLOCK                                                         CA                          95382                         1                      2                        1/1/2007                     12/1/2036                     11/8/2006                        2/1/2007
     234.71                       26169.28                       26200                     10.75                  RANCHO CUCAMONGA                                                CA                          91701                         1                      2                       12/1/2006                     11/1/2036                    10/25/2006                        2/1/2007
        435                          43500                       43500                        12                  MURRIETA                                                        CA                          92562                         1                      2                        1/1/2007                     12/1/2036                     11/7/2006                        2/1/2007
     450.57                        38845.6                       39100                     11.25                  BEND                                                            OR                          97701                         1                      2                       12/1/2006                     11/1/2021                    10/30/2006                        2/1/2007
     408.54                          53000                       53000                      9.25                  SILVER SPRING                                                   MD                          20904                         1                      2                        1/1/2007                     12/1/2036                    11/14/2006                        2/1/2007
     324.58                          38000                       38000                     10.25                  HAVERHILL                                                       MA                           1832                         2                      2                        1/1/2007                     12/1/2036                     11/2/2006                        2/1/2007
        148                          14800                       14800                        12                  SCRANTON                                                        PA                          18508                         3                      2                       12/1/2006                     11/1/2036                     11/7/2006                        2/1/2007
     231.75                          30900                       30900                         9                  YELM                                                            WA                          98597                         1                      2                        1/1/2007                     12/1/2036                     11/1/2006                        2/1/2007
      203.5                          22200                       22200                        11                  LAKEWOOD                                                        WA                          98499                         1                      2                        1/1/2007                     12/1/2036                     11/1/2006                        2/1/2007
     670.83                          80500                       80500                        10                  PASADENA                                                        CA                          91104                         2                      2                       12/1/2006                     11/1/2036                    10/30/2006                        2/1/2007
     311.01                       33969.87                       34000                      10.5                  MERCED                                                          CA                          95340                         1                      2                        1/1/2007                     12/1/2021                    11/10/2006                        2/1/2007
     771.88                          95000                       95000                      9.75                  TRABUCO CANYON AREA                                             CA                          92679                         1                      2                        1/1/2007                     12/1/2036                     11/1/2006                        2/1/2007
     394.17                          43000                       43000                        11                  TRACY                                                           CA                          95376                         1                      2                        1/1/2007                     12/1/2036                     11/2/2006                        2/1/2007
     386.42                       44438.83                       44500                     9.875                  COMPTON                                                         CA                          90222                         1                      2                       12/1/2006                     11/1/2021                    10/30/2006                        2/1/2007
     680.42                          71000                       71000                      11.5                  EL MONTE                                                        CA                          91732                         2                      2                        1/1/2007                     12/1/2036                     11/1/2006                        2/1/2007
     304.33                       32831.35                       33200                        11                  LAS VEGAS                                                       NV                          89183                         1                      2                       12/1/2006                     11/1/2036                    10/30/2006                        2/1/2007
     545.83                          65500                       65500                        10                  MANASSAS PARK                                                   VA                          20111                         1                      2                        1/1/2007                     12/1/2036                    11/15/2006                        2/1/2007
        253                          27595                       27600                        11                  RENTON                                                          WA                          98058                         1                      2                        1/1/2007                     12/1/2021                     11/2/2006                        2/1/2007
        369                          43200                       43200                     10.25                  HILLSBORO                                                       OR                          97124                         1                      2                        1/1/2007                     12/1/2036                    11/14/2006                        2/1/2007
     420.02                       38980.48                       39000                    12.625                  VANCOUVER                                                       WA                          98665                         1                      2                        1/1/2007                     12/1/2021                     11/7/2006                        2/1/2007
      442.5                          53100                       53100                        10                  EVERETT                                                         MA                           2149                         3                      2                       12/1/2006                     11/1/2036                    10/30/2006                        2/1/2007
     166.81                          15700                       15700                     12.75                  ALLEN                                                           TX                          75002                         1                      2                        1/1/2007                     12/1/2036                     11/7/2006                        2/1/2007
     238.88                          29400                       29400                      9.75                  LAS VEGAS                                                       NV                          89123                         1                      2                        1/1/2007                     12/1/2036                     11/2/2006                        2/1/2007
     220.42                          23000                       23000                      11.5                  PHILADELPHIA                                                    PA                          19128                         1                      2                       12/1/2006                     11/1/2021                    10/30/2006                        2/1/2007
     389.19                          47900                       47900                      9.75                  RESTON                                                          VA                          20190                         1                      2                       12/1/2006                     11/1/2036                    10/31/2006                        2/1/2007
     381.88                          47000                       47000                      9.75                  PLACENTIA                                                       CA                          92870                         1                      2                        1/1/2007                     12/1/2036                     11/8/2006                        2/1/2007
       2322                      275060.68                      275200                    10.125                  LA QUINTA                                                       CA                          92253                         1                      2                       12/1/2006                     11/1/2036                    10/30/2006                        2/1/2007
     245.36                       22922.39                       23200                    12.375                  KLAMATH FALLS                                                   OR                          97601                         1                      2                       12/1/2006                     11/1/2021                    10/30/2006                        2/1/2007
     536.25                          58500                       58500                        11                  LATHROP                                                         CA                          95330                         1                      2                        1/1/2007                     12/1/2036                     11/9/2006                        2/1/2007
        250                          25000                       25000                        12                  UNIVERSITY PLACE                                                WA                          98466                         1                      2                        1/1/2007                     12/1/2036                     11/6/2006                        2/1/2007
     208.28                          21500                       21500                    11.625                  BULLHEAD CITY                                                   AZ                          86442                         1                      2                        1/1/2007                     12/1/2036                     11/8/2006                        2/1/2007
     569.25                          75900                       75900                         9                  REDONDO BEACH                                                   CA                          90277                         1                      2                       12/1/2006                     11/1/2036                    10/31/2006                        2/1/2007
      172.5                          18000                       18000                      11.5                  LAS VEGAS                                                       NV                          89103                         1                      2                        1/1/2007                     12/1/2036                     11/8/2006                        2/1/2007
     450.94                          55500                       55500                      9.75                  SANTA ROSA                                                      CA                          95403                         1                      2                        1/1/2007                     12/1/2036                     11/8/2006                        2/1/2007
     327.38                          29100                       29100                      13.5                  NAMPA                                                           ID                          83651                         4                      2                        1/1/2007                     12/1/2036                     11/1/2006                        2/1/2007
     142.19                       14883.83                       15000                    11.375                  KATY                                                            TX                          77449                         1                      2                       12/1/2006                     11/1/2036                    10/30/2006                        2/1/2007
     215.63                          23000                       23000                     11.25                  PHOENIX                                                         AZ                          85043                         1                      2                        1/1/2007                     12/1/2036                     11/6/2006                        2/1/2007
     348.33                          38000                       38000                        11                  PHOENIX                                                         AZ                          85041                         1                      2                        1/1/2007                     12/1/2036                    11/10/2006                        2/1/2007
     376.25                          43000                       43000                      10.5                  DULUTH                                                          GA                          30096                         1                      2                       12/1/2006                     11/1/2036                     11/1/2006                        2/1/2007
     373.38                          41200                       41200                    10.875                  RICHMOND                                                        TX                          77469                         1                      2                        1/1/2007                     12/1/2036                     11/2/2006                        2/1/2007
      172.9                        19072.9                       19300                     10.75                  WACO                                                            TX                          76706                         1                      2                        1/1/2007                     12/1/2036                    11/14/2006                        2/1/2007
        240                          24000                       24000                        12                  EL CAJON                                                        CA                          92020                         1                      2                        1/1/2007                     12/1/2036                     11/2/2006                        2/1/2007
    1224.11                         123600                      123700                    11.875                  SAN JOSE                                                        CA                          95125                         1                      2                        1/1/2007                     12/1/2036                     11/6/2006                        2/1/2007
     320.54                          31400                       31400                     12.25                  LAS VEGAS                                                       NV                          89117                         1                      2                        1/1/2007                     12/1/2036                     11/9/2006                        2/1/2007
        665                          57000                       57000                        14                  PITTSBURG                                                       CA                          94565                         4                      2                        1/1/2007                     12/1/2036                    11/10/2006                        2/1/2007
        160                          15824                       16000                        12                  BOISE                                                           ID                          83709                         1                      2                        1/1/2007                     12/1/2036                     11/7/2006                        2/1/2007
     783.75                          79200                       79200                    11.875                  RIVERDALE                                                       MD                          20737                         1                      2                       12/1/2006                     11/1/2036                    10/31/2006                        2/1/2007
     249.38                          28500                       28500                      10.5                  TOLLESON                                                        AZ                          85353                         1                      2                        1/1/2007                     12/1/2036                     11/7/2006                        2/1/2007
     141.64                       13891.78                       13900                    11.875                  SAN ANTONIO                                                     TX                          78212                         1                      2                        1/1/2007                     12/1/2021                     11/6/2006                        2/1/2007
    2020.83                         200000                      200000                    12.125                  LAS VEGAS                                                       NV                          89107                         1                      2                        1/1/2007                     12/1/2036                     11/8/2006                        2/1/2007
     379.17                          35000                       35000                        13                  SACRAMENTO                                                      CA                          95817                         1                      2                        1/1/2007                     12/1/2036                     11/2/2006                        2/1/2007
     256.73                       24486.68                       24500                     12.25                  KENNEWICK                                                       WA                          99336                         4                      2                        1/1/2007                     12/1/2021                     11/3/2006                        2/1/2007
     256.73                       24486.68                       24500                     12.25                  KENNEWICK                                                       WA                          99336                         4                      2                        1/1/2007                     12/1/2021                     11/3/2006                        2/1/2007
     225.63                          28500                       28500                       9.5                  SANTA MARIA(CITY)                                               CA                          93454                         1                      2                        1/1/2007                     12/1/2036                     11/6/2006                        2/1/2007
     265.42                          26000                       26000                     12.25                  MINNEAPOLIS                                                     MN                          55406                         2                      2                        1/1/2007                     12/1/2036                     11/9/2006                        2/1/2007
        152                          15200                       15200                        12                  MINNEAPOLIS                                                     MN                          55411                         1                      2                        1/1/2007                     12/1/2036                     11/9/2006                        2/1/2007
     196.88                          21000                       21000                     11.25                  LAS VEGAS                                                       NV                          89142                         1                      2                        1/1/2007                     12/1/2036                     11/2/2006                        2/1/2007
     175.75                          22200                       22200                       9.5                  DAYTON                                                          NV                          89403                         1                      2                        1/1/2007                     12/1/2036                     11/7/2006                        2/1/2007
     177.54                       17090.43                       17100                    12.125                  CORAL SPRINGS                                                   FL                          33067                         1                      2                        1/1/2007                     12/1/2021                    11/10/2006                        2/1/2007
     1237.5                         110000                      110000                      13.5                  RIVERSIDE                                                       CA                          92507                         4                      2                        1/1/2007                     12/1/2036                    11/13/2006                        2/1/2007
     244.08                          23200                       23200                    12.625                  DALLAS                                                          TX                          75218                         1                      2                        1/1/2007                     12/1/2036                     11/9/2006                        2/1/2007
     324.58                          41000                       41000                       9.5                  CITRUS HEIGHTS                                                  CA                          95610                         1                      2                        1/1/2007                     12/1/2036                     11/6/2006                        2/1/2007
     590.63                          67500                       67500                      10.5                  HOLLISTER                                                       CA                          95023                         1                      2                        1/1/2007                     12/1/2036                     11/2/2006                        2/1/2007
     140.45                          13900                       13900                    12.125                  CHARLOTTE                                                       NC                          28208                         1                      2                       12/1/2006                     11/1/2036                     11/3/2006                        2/1/2007
     397.19                       46497.19                       46500                     10.25                  STOCKTON                                                        CA                          95212                         1                      2                        1/1/2007                     12/1/2036                     11/2/2006                        2/1/2007
      317.7                       30582.89                       30600                    12.125                  ST PAUL                                                         MN                          55101                         4                      2                        1/1/2007                     12/1/2021                    11/14/2006                        2/1/2007
     220.92                          24100                       24100                        11                  TUCSON                                                          AZ                          85746                         1                      2                        1/1/2007                     12/1/2036                     11/7/2006                        2/1/2007
     699.31                       71951.15                       72000                     11.25                  LOS ANGELES                                                     CA                          90031                         2                      2                        1/1/2007                     12/1/2021                     11/7/2006                        2/1/2007
     431.67                          56000                       56000                      9.25                  HENDERSON                                                       NV                          89015                         1                      2                        1/1/2007                     12/1/2036                     11/8/2006                        2/1/2007
        375                          40000                       40000                     11.25                  MORENO VALLEY                                                   CA                          92557                         1                      2                        1/1/2007                     12/1/2036                     11/2/2006                        2/1/2007
    1156.25                         111000                      111000                      12.5                  FARMINGTON                                                      MN                          55024                         1                      2                        1/1/2007                     12/1/2036                     11/6/2006                        2/1/2007
     583.92                          57200                       57200                     12.25                  DENVER                                                          CO                          80220                         1                      2                        1/1/2007                     12/1/2036                     11/7/2006                        2/1/2007
     515.94                       63415.94                       63500                      9.75                  WINDSOR                                                         CA                          95492                         1                      2                        1/1/2007                     12/1/2036                     11/3/2006                        2/1/2007
      412.5                        49499.5                       49500                        10                  RAMONA                                                          CA                          92065                         1                      2                        1/1/2007                     12/1/2036                     11/9/2006                        2/1/2007
     685.42                          70000                       70000                     11.75                  FONTANA                                                         CA                          92336                         1                      2                        1/1/2007                     12/1/2036                     11/6/2006                        2/1/2007
     444.06                          43500                       43500                     12.25                  ISSAQUAH                                                        WA                          98027                         1                      2                        1/1/2007                     12/1/2036                     11/9/2006                        2/1/2007
     134.15                          13694                       13700                     11.75                  REX                                                             GA                          30273                         1                      2                        1/1/2007                     12/1/2036                     11/9/2006                        2/1/2007
      301.3                          32500                       32500                    11.125                  FOLSOM                                                          CA                          95630                         1                      2                        1/1/2007                     12/1/2036                    11/14/2006                        2/1/2007
     358.33                          42958                       43000                        10                  LOS ANGELES                                                     CA                          90002                         1                      2                        1/1/2007                     12/1/2036                     11/8/2006                        2/1/2007
     196.88                       20999.88                       21000                     11.25                  COMPTON                                                         CA                          90220                         1                      2                        1/1/2007                     12/1/2036                     11/9/2006                        2/1/2007
     314.06                       33330.49                       33500                     11.25                  PUYALLUP                                                        WA                          98375                         1                      2                        1/1/2007                     12/1/2036                     11/9/2006                        2/1/2007
        250                          25000                       25000                        12                  BONNEY LAKE                                                     WA                          98391                         1                      2                        1/1/2007                     12/1/2036                    11/16/2006                        2/1/2007
     350.21                          41000                       41000                     10.25                  FAIRFIELD                                                       CA                          94533                         1                      2                        1/1/2007                     12/1/2021                    11/20/2006                        2/1/2007
    1172.08                         116000                      116000                    12.125                  LOS BANOS                                                       CA                          93635                         1                      2                        1/1/2007                     12/1/2036                    11/10/2006                        2/1/2007
      202.5                          27000                       27000                         9                  SAN FRANCISCO                                                   CA                          94134                         1                      2                        1/1/2007                     12/1/2036                    11/13/2006                        2/1/2007
        275                          30000                       30000                        11                  SAN JOSE                                                        CA                          95122                         1                      2                        1/1/2007                     12/1/2021                     11/9/2006                        2/1/2007
     257.13                       26980.65                       27000                        11                  PERRIS                                                          CA                          92571                         1                      2                        1/1/2007                     12/1/2021                    11/10/2006                        2/1/2007
        425                          40000                       40000                     12.75                  PORTLAND                                                        OR                          97209                         1                      2                        1/1/2007                     12/1/2036                    11/15/2006                        2/1/2007
     188.16                       18987.79                       19000                      11.5                  NEW SMYRNA BEACH                                                FL                          32168                         1                      2                        1/1/2007                     12/1/2021                    11/15/2006                        2/1/2007
     245.09                          25300                       25300                    11.625                  EDEN PRAIRIE                                                    MN                          55344                         1                      2                        1/1/2007                     12/1/2036                    11/10/2006                        2/1/2007
     293.44                          31300                       31300                     11.25                  SEATTLE                                                         WA                          98102                         1                      2                        1/1/2007                     12/1/2036                    11/16/2006                        2/1/2007
        495                          49500                       49500                        12                  LONG BEACH                                                      CA                          90805                         2                      2                        1/1/2007                     12/1/2036                     11/7/2006                        2/1/2007
     253.91                          32500                       32500                     9.375                  PEORIA                                                          AZ                          85345                         1                      2                        1/1/2007                     12/1/2036                    11/10/2006                        2/1/2007
     406.88                          46500                       46500                      10.5                  ONTARIO                                                         CA                          91761                         1                      2                        1/1/2007                     12/1/2036                    11/15/2006                        2/1/2007
     330.76                       33378.54                       33400                      11.5                  BEND                                                            OR                          97701                         1                      2                        1/1/2007                     12/1/2021                    11/10/2006                        2/1/2007
     256.25                          30000                       30000                     10.25                  EVERETT                                                         WA                          98205                         1                      2                        1/1/2007                     12/1/2036                    11/13/2006                        2/1/2007
     259.48                          26500                       26500                     11.75                  MARYSVILLE                                                      WA                          98271                         1                      2                        1/1/2007                     12/1/2036                    11/13/2006                        2/1/2007
     468.75                          50000                       50000                     11.25                  BAKERSFIELD                                                     CA                          93312                         1                      2                        1/1/2007                     12/1/2021                    11/14/2006                        2/1/2007
     422.92                       57577.08                       58000                      8.75                  SAN DIEGO                                                       CA                          92111                         1                      2                        1/1/2007                     12/1/2036                    11/14/2006                        2/1/2007
     326.29                          38200                       38200                     10.25                  COVINGTON                                                       WA                          98042                         1                      2                        1/1/2007                     12/1/2021                    11/16/2006                        2/1/2007
     354.25                          43600                       43600                      9.75                  TRACY                                                           CA                          95376                         1                      2                        1/1/2007                     12/1/2036                    11/15/2006                        2/1/2007
     264.06                          32500                       32500                      9.75                  PORT HADLOCK                                                    WA                          98339                         1                      2                        1/1/2007                     12/1/2036                    11/16/2006                        2/1/2007
     198.55                       19417.09                       19450                     12.25                  COEUR D ALENE                                                   ID                          83815                         1                      2                        7/1/2006                      6/1/2036                     5/17/2006                        2/1/2007
     165.21                       20882.21                       21000                      8.75                  MILFORD                                                         UT                          84751                         1                      2                        8/1/2006                      7/1/2021                      6/8/2006                        2/1/2007
      289.5                       30022.56                       30100                    11.125                  FAIRVIEW                                                        TX                          75069                         1                      2                        8/1/2006                      7/1/2021                     6/21/2006                        2/1/2007
      182.5                          23800                       24000                     9.125                  NORTH BERGEN                                                    NJ                           7047                         1                      2                       11/1/2006                     10/1/2036                      9/5/2006                        2/1/2007
     539.55                        53952.6                       54000                     11.99                  LANCASTER                                                       CA                          93536                         1                      2                        7/1/2006                      6/1/2036                     5/23/2006                        2/1/2007
     710.69                       67072.28                       67200                    12.375                  BOCA RATON                                                      FL                          33431                         1                      2                        8/1/2006                      7/1/2021                     6/30/2006                        2/1/2007
     280.33                       26841.64                       27000                    12.125                  RUSKIN                                                          FL                          33570                         1                      2                        8/1/2006                      7/1/2021                     7/28/2006                        2/1/2007
     450.18                       44505.75                       45900                    11.375                  RUSKIN                                                          FL                          33570                         1                      2                        9/1/2006                      8/1/2021                      7/1/2006                        2/1/2007
     332.24                       31954.55                       32000                    12.125                  HOMESTEAD                                                       FL                          33033                         1                      2                       10/1/2006                      9/1/2021                     8/19/2006                        2/1/2007
     399.21                       38384.14                       38450                    12.125                  HUNTERSVILLE                                                    NC                          28078                         1                      2                        9/1/2006                      8/1/2021                     7/25/2006                        2/1/2007
     468.75                       44998.75                       45000                      12.5                  PALM SPRINGS                                                    CA                          92264                         4                      2                        9/1/2006                      8/1/2036                     7/19/2006                        2/1/2007
     410.16                       43402.15                       43500                    10.875                  MIRAMAR                                                         FL                          33025                         1                      2                        9/1/2006                      8/1/2021                     7/12/2006                        2/1/2007
     434.69                       53475.04                       53500                      9.75                  CARSON                                                          CA                          90745                         1                      2                        9/1/2006                      8/1/2036                     7/13/2006                        2/1/2007
     124.54                       12193.77                       12200                     12.25                  TEXAS CITY                                                      TX                          77590                         1                      2                        9/1/2006                      8/1/2036                     7/28/2006                        2/1/2007
     182.17                        19477.6                       19515                     10.75                  TYLER                                                           TX                          75701                         1                      2                       10/1/2006                      9/1/2021                     8/15/2006                        2/1/2007
     336.19                          32600                       32600                    12.375                  FORT LAUDERDALE                                                 FL                          33311                         1                      2                        9/1/2006                      8/1/2036                     7/26/2006                        2/1/2007
     234.68                       24347.98                       24400                    11.125                  MCHENRY                                                         IL                          60050                         1                      2                        9/1/2006                      8/1/2021                     7/26/2006                        2/1/2007
     308.27                       35273.92                       35500                     9.875                  LITTLE ELM                                                      TX                          75068                         1                      2                        9/1/2006                      8/1/2021                     7/26/2006                        2/1/2007
     217.77                       21638.06                       21990                      11.5                  BOYNTON BEACH                                                   FL                          33435                         1                      2                        9/1/2006                      8/1/2021                     7/31/2006                        2/1/2007
     656.25                       62999.25                       63000                      12.5                  BAKERSFIELD                                                     CA                          93313                         1                      2                       10/1/2006                      9/1/2036                     8/23/2006                        2/1/2007
     458.56                       44918.53                       45000                    11.875                  CATONSVILLE                                                     MD                          21228                         1                      2                        9/1/2006                      8/1/2021                     7/25/2006                        2/1/2007
     294.46                       28053.19                       28100                     12.25                  HAGERSTOWN                                                      MD                          21740                         1                      2                        9/1/2006                      8/1/2021                     7/31/2006                        2/1/2007
     378.79                       38906.77                       39000                     11.25                  CERRITOS                                                        CA                          90703                         1                      2                       10/1/2006                      9/1/2021                     8/24/2006                        2/1/2007
     805.48                       55073.75                       57000                    11.625                  QUINCY                                                          MA                           2169                         2                      2                       11/1/2006                     10/1/2016                     9/28/2006                        2/1/2007
     358.18                       35418.22                       35484                     11.75                  SAN ANTONIO                                                     FL                          33576                         1                      2                        9/1/2006                      8/1/2021                      7/1/2006                        2/1/2007
     636.46                          65000                       65000                     11.75                  CORONA                                                          CA                          92880                         1                      2                       10/1/2006                      9/1/2036                     8/16/2006                        2/1/2007
     541.75                          59100                       59100                        11                  CORONA                                                          CA                          92882                         1                      2                       10/1/2006                      9/1/2036                     8/15/2006                        2/1/2007
     187.55                       19063.67                       19500                    11.125                  TYLER                                                           TX                          75703                         1                      2                       10/1/2006                      9/1/2021                     8/17/2006                        2/1/2007
     113.88                       11308.74                       11500                      11.5                  RENO                                                            NV                          89511                         1                      2                       10/1/2006                      9/1/2021                     8/24/2006                        2/1/2007
     135.82                       14968.81                       15000                    10.375                  LITTLE ELM                                                      TX                          75068                         1                      2                       10/1/2006                      9/1/2021                      8/9/2006                        2/1/2007
     233.61                       23551.58                       23590                      11.5                  LAKE WORTH                                                      FL                          33463                         1                      2                       10/1/2006                      9/1/2021                     8/16/2006                        2/1/2007
     113.88                       11481.29                       11500                      11.5                  RENO                                                            NV                          89511                         1                      2                       10/1/2006                      9/1/2021                     8/31/2006                        2/1/2007
     356.87                       35288.23                       35354                     11.75                  SAN ANTONIO                                                     FL                          33576                         1                      2                        9/1/2006                      8/1/2021                      7/1/2006                        2/1/2007
     495.63                          61000                       61000                      9.75                  SAN FERNANDO                                                    CA                          91340                         1                      2                       10/1/2006                      9/1/2036                     8/15/2006                        2/1/2007
     480.77                       49414.89                       49500                     11.25                  UNIONDALE                                                       NY                          11553                         1                      2                       10/1/2006                      9/1/2021                     8/15/2006                        2/1/2007
     448.66                          43950                       43950                     12.25                  SACRAMENTO                                                      CA                          95835                         1                      2                       10/1/2006                      9/1/2036                     8/18/2006                        2/1/2007
     493.06                          48300                       48300                     12.25                  ROCKLIN                                                         CA                          95765                         1                      2                       10/1/2006                      9/1/2036                     8/18/2006                        2/1/2007
        525                          60000                       60000                      10.5                  SOLEDAD                                                         CA                          93960                         1                      2                       11/1/2006                     10/1/2036                      9/5/2006                        2/1/2007
     312.94                       25978.82                       26250                    11.875                  LONGS                                                           SC                          29568                         1                      2                       10/1/2006                      9/1/2021                     8/25/2006                        2/1/2007
      192.5                          21000                       21000                        11                  PHOENIX                                                         AZ                          85041                         1                      2                       10/1/2006                      9/1/2036                     8/23/2006                        2/1/2007
        210                       20954.55                       21000                        12                  CORVALLIS                                                       OR                          97339                         1                      2                       11/1/2006                     10/1/2036                     9/29/2006                        2/1/2007
     656.04                       66911.65                       67000                     11.75                  OAKLAND                                                         CA                          94602                         2                      2                       11/1/2006                     10/1/2036                      9/7/2006                        2/1/2007
     143.78                          12900                       12900                    13.375                  SWEENY                                                          TX                          77480                         1                      2                       11/1/2006                     10/1/2036                     9/28/2006                        2/1/2007
     452.54                       43930.78                       43995                        12                  TACOMA                                                          WA                          98404                         4                      2                       10/1/2006                      9/1/2021                     8/17/2006                        2/1/2007
     157.76                        16867.6                       16900                     10.75                  CEDAR CREEK                                                     TX                          78612                         1                      2                       10/1/2006                      9/1/2021                     8/31/2006                        2/1/2007
     341.92                       35487.13                       35550                    11.125                  HUDSON                                                          FL                          34669                         1                      2                       10/1/2006                      9/1/2021                      8/1/2006                        2/1/2007
     347.42                       32803.19                       32850                    12.375                  SPRING HILL                                                     FL                          33609                         1                      2                       10/1/2006                      9/1/2021                      8/1/2006                        2/1/2007
     567.79                       49957.28                       50000                    13.375                  LAMBERTVILLE                                                    NJ                           8530                         1                      2                       11/1/2006                     10/1/2021                     9/29/2006                        2/1/2007
     230.88                       25229.03                       25500                    10.375                  FEDERAL WAY                                                     WA                          98003                         1                      2                       11/1/2006                     10/1/2021                      9/5/2006                        2/1/2007
        962                          96200                       96200                        12                  RANCHO CORDOVA                                                  CA                          95670                         4                      2                       11/1/2006                     10/1/2036                     9/14/2006                        2/1/2007
     127.46                       13132.13                       13300                      11.5                  OKLAHOMA CITY                                                   OK                          73106                         3                      2                       11/1/2006                     10/1/2036                     9/22/2006                        2/1/2007
     359.58                       35185.48                       35622                     11.75                  SAN ANTONIO                                                     FL                          33576                         1                      2                        9/1/2006                      8/1/2021                      7/1/2006                        2/1/2007
      162.5                          15000                       15000                        13                  CHULA VISTA                                                     CA                          91910                         1                      2                       11/1/2006                     10/1/2021                      9/1/2006                        2/1/2007
     260.66                       33837.95                       33900                       8.5                  WHITE PLAINS                                                    NY                          10603                         1                      2                       12/1/2006                     11/1/2021                    10/12/2006                        2/1/2007
     293.78                       35693.68                       35700                     9.875                  STOCKTON                                                        CA                          95206                         1                      2                       11/1/2006                     10/1/2036                      9/8/2006                        2/1/2007
        270                          27000                       27000                        12                  FORT WORTH                                                      TX                          76114                         4                      2                       12/1/2006                     11/1/2036                    10/17/2006                        2/1/2007
     198.96                          21706                       21750                      10.5                  SAN ANTONIO                                                     TX                          78258                         1                      2                       10/1/2006                      9/1/2021                     8/25/2006                        2/1/2007
        270                          27000                       27000                        12                  FORT WORTH                                                      TX                          76114                         4                      2                       12/1/2006                     11/1/2036                    10/17/2006                        2/1/2007
        125                          12000                       12000                      12.5                  CHICAGO                                                         IL                          60625                         3                      2                       10/1/2006                      9/1/2036                     8/29/2006                        2/1/2007
     503.13                          52500                       52500                      11.5                  CORONA                                                          CA                          92880                         1                      2                       11/1/2006                     10/1/2036                     9/20/2006                        2/1/2007
     389.35                       37446.73                       37500                    12.125                  NORTH LAS VEGAS                                                 NV                          89081                         1                      2                       10/1/2006                      9/1/2021                     8/29/2006                        2/1/2007
     481.75                        46334.1                       46400                    12.125                  LAKE WORTH                                                      FL                          33463                         1                      2                       10/1/2006                      9/1/2021                     8/31/2006                        2/1/2007
     197.17                          18200                       18200                        13                  PAYETTE                                                         ID                          83661                         1                      2                       11/1/2006                     10/1/2036                      9/8/2006                        2/1/2007
     158.33                          19000                       19000                        10                  TUCSON                                                          AZ                          85741                         1                      2                       11/1/2006                     10/1/2036                      9/8/2006                        2/1/2007
     230.38                          29100                       29100                       9.5                  SUSANVILLE                                                      CA                          96130                         1                      2                       11/1/2006                     10/1/2036                     9/14/2006                        2/1/2007
     924.85                       92230.06                       92500                    11.625                  WATSONVILLE                                                     CA                          95076                         1                      2                       11/1/2006                     10/1/2021                      9/7/2006                        2/1/2007
     443.16                       46930.16                       47000                    10.875                  HAYWARD                                                         CA                          94545                         1                      2                       11/1/2006                     10/1/2021                     9/12/2006                        2/1/2007
     815.25                          84155                       84155                    11.625                  ELIZABETH                                                       CO                          80107                         1                      2                       11/1/2006                     10/1/2036                      9/8/2006                        2/1/2007
     284.17                          31000                       31000                        11                  PORT SAINT LUCIE                                                FL                          34953                         1                      2                       10/1/2006                      9/1/2036                      9/1/2006                        2/1/2007
     306.25                          35000                       35000                      10.5                  DESERT HOT SPRINGS                                              CA                          92240                         1                      2                       11/1/2006                     10/1/2036                     9/20/2006                        2/1/2007
     306.25                          35000                       35000                      10.5                  DESERT HOT SPRINGS                                              CA                          92240                         1                      2                       11/1/2006                     10/1/2036                     9/21/2006                        2/1/2007
     214.38                          24500                       24500                      10.5                  DESERT HOT SPRINGS                                              CA                          92240                         1                      2                       11/1/2006                     10/1/2036                     9/21/2006                        2/1/2007
      89.58                          10000                       10000                     10.75                  IOLA                                                            KS                          66749                         1                      2                       12/1/2006                     11/1/2036                    10/17/2006                        2/1/2007
      89.58                          10000                       10000                     10.75                  IOLA                                                            KS                          66749                         1                      2                       12/1/2006                     11/1/2036                    10/17/2006                        2/1/2007
      89.58                          10000                       10000                     10.75                  IOLA                                                            KS                          66749                         1                      2                       12/1/2006                     11/1/2036                    10/17/2006                        2/1/2007
    1172.66                      142477.66                      142500                     9.875                  EL CAJON                                                        CA                          92021                         1                      2                        1/1/2007                     12/1/2021                     11/1/2006                        2/1/2007
     351.56                        33550.5                       37500                     11.25                  FRESNO                                                          CA                          93710                         1                      2                       11/1/2006                     10/1/2036                     9/22/2006                        2/1/2007
     489.56                       48440.48                       48500                     11.75                  OAKLAND                                                         CA                          94603                         1                      2                       11/1/2006                     10/1/2021                      9/7/2006                        2/1/2007
     379.69                       40119.37                       40500                     11.25                  MODESTO                                                         CA                          95358                         1                      2                       12/1/2006                     11/1/2036                     10/2/2006                        2/1/2007
     372.97                       42423.84                       42500                        10                  NAPA                                                            CA                          94558                         1                      2                       11/1/2006                     10/1/2021                     9/12/2006                        2/1/2007
        210                       22372.25                       22400                     11.25                  SPANAWAY                                                        WA                          98387                         1                      2                       11/1/2006                     10/1/2036                     9/22/2006                        2/1/2007
     160.31                       15905.73                       16200                    11.875                  TURNER                                                          OR                          97392                         1                      2                       11/1/2006                     10/1/2036                     9/28/2006                        2/1/2007
      91.25                        11789.6                       12000                     9.125                  TURTLE LAKE                                                     WI                          54889                         1                      2                       11/1/2006                     10/1/2036                     9/20/2006                        2/1/2007
     206.25                       21989.69                       22000                     11.25                  SAINT PAUL                                                      MN                          55106                         2                      2                       12/1/2006                     11/1/2036                    10/10/2006                        2/1/2007
     222.96                       22271.88                       22300                    11.625                  VICTORVILLE                                                     CA                          92395                         1                      2                       11/1/2006                     10/1/2021                     9/26/2006                        2/1/2007
      504.7                       49954.21                       50000                     11.75                  FORT LAUDERDALE                                                 FL                          33304                         1                      2                       12/1/2006                     11/1/2021                     10/3/2006                        2/1/2007
     341.77                       32880.33                       32918                    12.125                  PLANT CITY                                                      FL                          33566                         1                      2                       11/1/2006                     10/1/2021                     9/28/2006                        2/1/2007
        560                          56000                       56000                        12                  FONTANA                                                         CA                          92336                         1                      2                       12/1/2006                     11/1/2036                    10/19/2006                        2/1/2007
      137.5                       16355.62                       16500                        10                  ALBUQUERQUE                                                     NM                          87111                         1                      2                       11/1/2006                     10/1/2036                     9/28/2006                        2/1/2007
     215.25                       27839.32                       28700                         9                  GLENDALE                                                        AZ                          85310                         1                      2                       11/1/2006                     10/1/2036                     9/21/2006                        2/1/2007
        500                       59899.17                       60000                        10                  SALINAS                                                         CA                          93906                         1                      2                       11/1/2006                     10/1/2036                     9/27/2006                        2/1/2007
     563.75                          61500                       61500                        11                  SANTA ROSA                                                      CA                          95409                         1                      2                       12/1/2006                     11/1/2036                     10/5/2006                        2/1/2007
     301.41                       28477.26                       28500                    12.375                  TOOELE                                                          UT                          84074                         1                      2                       12/1/2006                     11/1/2021                     11/1/2006                        2/1/2007
     207.17                          22600                       22600                        11                  LEHI                                                            UT                          84043                         1                      2                       11/1/2006                     10/1/2036                     9/26/2006                        2/1/2007
     146.88                          15000                       15000                     11.75                  HERLONG                                                         CA                          96113                         1                      2                       12/1/2006                     11/1/2036                     10/2/2006                        2/1/2007
     100.94                        9990.85                       10000                     11.75                  WEATHERFORD                                                     TX                          76086                         1                      2                       12/1/2006                     11/1/2021                     10/3/2006                        2/1/2007
     100.94                        9990.85                       10000                     11.75                  WEATHERFORD                                                     TX                          76086                         1                      2                       12/1/2006                     11/1/2021                     10/3/2006                        2/1/2007
        378                          43200                       43200                      10.5                  MODESTO                                                         CA                          95355                         1                      2                       11/1/2006                     10/1/2036                     9/27/2006                        2/1/2007
     412.21                       45832.54                       46000                     10.25                  WILLIAMSTOWN                                                    NJ                           8094                         1                      2                       11/1/2006                     10/1/2021                     9/25/2006                        2/1/2007
     329.17                          39500                       39500                        10                  STOCKTON                                                        CA                          95206                         1                      2                       11/1/2006                     10/1/2036                     9/27/2006                        2/1/2007
     146.25                          13500                       13500                        13                  PAYETTE                                                         ID                          83661                         1                      2                       11/1/2006                     10/1/2036                     9/28/2006                        2/1/2007
     560.63                          69000                       69000                      9.75                  TURLOCK                                                         CA                          95382                         1                      2                       11/1/2006                     10/1/2036                     9/25/2006                        2/1/2007
     108.93                       10989.36                       11000                      11.5                  DECATUR                                                         GA                          30034                         1                      2                       12/1/2006                     11/1/2021                    10/11/2006                        2/1/2007
       91.4                          10700                       10700                     10.25                  ARLINGTON                                                       TX                          76010                         1                      2                       12/1/2006                     11/1/2036                    10/24/2006                        2/1/2007
      85.42                        9903.31                       10000                     10.25                  MANSFIELD                                                       TX                          76063                         1                      2                       12/1/2006                     11/1/2036                     10/6/2006                        2/1/2007
        325                          30000                       30000                        13                  BOISE                                                           ID                          83709                         1                      2                       11/1/2006                     10/1/2036                     9/28/2006                        2/1/2007
     289.06                       37498.12                       37500                      9.25                  SAN JOSE                                                        CA                          95132                         1                      2                       12/1/2006                     11/1/2036                    10/16/2006                        2/1/2007
     417.97                          37500                       37500                    13.375                  SUMNER                                                          WA                          98390                         3                      2                       12/1/2006                     11/1/2021                     10/6/2006                        2/1/2007
     417.97                          37500                       37500                    13.375                  SUMNER                                                          WA                          98390                         3                      2                       12/1/2006                     11/1/2021                     10/6/2006                        2/1/2007
     949.99                        91396.6                       91500                    12.125                  PLACERVILLE                                                     CA                          95667                         1                      2                       11/1/2006                     10/1/2021                     9/25/2006                        2/1/2007
     267.66                       30443.11                       30500                        10                  RIVERSIDE                                                       CA                          92505                         1                      2                       12/1/2006                     11/1/2021                     10/2/2006                        2/1/2007
        486                          48600                       48600                        12                  MOUNTAIN VIEW                                                   CA                          94043                         1                      2                       12/1/2006                     11/1/2036                    10/25/2006                        2/1/2007
      245.2                       24966.65                       25000                    11.375                  CELINA                                                          TX                          75009                         1                      2                       11/1/2006                     10/1/2021                     9/27/2006                        2/1/2007
     223.73                       21724.71                       21750                        12                  MIRAMAR                                                         FL                          33025                         1                      2                       11/1/2006                     10/1/2021                     9/27/2006                        2/1/2007
     516.67                          62000                       62000                        10                  SAN LORENZO                                                     CA                          94580                         1                      2                        1/1/2007                     12/1/2036                    11/10/2006                        2/1/2007
      96.56                          10300                       10300                     11.25                  KENNEWICK                                                       WA                          99337                         2                      2                       12/1/2006                     11/1/2021                     10/6/2006                        2/1/2007
     366.34                       35917.93                       35950                    11.875                  LAKELAND                                                        FL                          33810                         1                      2                       12/1/2006                     11/1/2021                     10/4/2006                        2/1/2007
     522.75                       55936.19                       56000                     10.75                  RAHWAY                                                          NJ                           7065                         1                      2                       12/1/2006                     11/1/2021                    10/13/2006                        2/1/2007
     629.69                          77500                       77500                      9.75                  LAKE FOREST                                                     CA                          92630                         1                      2                       12/1/2006                     11/1/2036                     10/6/2006                        2/1/2007
     312.71                          39500                       39500                       9.5                  STOCKTON                                                        CA                          95219                         1                      2                       12/1/2006                     11/1/2036                     10/4/2006                        2/1/2007
       1800                         180000                      180000                        12                  LOS ANGELES                                                     CA                          90027                         4                      2                       12/1/2006                     11/1/2036                     10/6/2006                        2/1/2007
     252.52                       25462.45                       25500                      11.5                  OCALA                                                           FL                          34472                         1                      2                       12/1/2006                     11/1/2021                    10/31/2006                        2/1/2007
     583.12                       53118.34                       53500                     10.25                  LINDENHURST                                                     NY                          11757                         1                      2                       12/1/2006                     11/1/2021                     10/6/2006                        2/1/2007
     298.78                       32858.38                       33000                    10.375                  TURLOCK                                                         CA                          95380                         1                      2                       12/1/2006                     11/1/2021                     10/6/2006                        2/1/2007
     602.19                          61500                       61500                     11.75                  BETHLEHEM                                                       PA                          18020                         1                      2                       12/1/2006                     11/1/2021                    10/20/2006                        2/1/2007
     316.79                       32149.78                       32300                    11.375                  MAPLE GROVE                                                     MN                          55311                         1                      2                       12/1/2006                     11/1/2021                    10/13/2006                        2/1/2007
     317.17                          34600                       34600                        11                  TALENT                                                          OR                          97540                         1                      2                       12/1/2006                     11/1/2036                    10/10/2006                        2/1/2007
     307.08                          33500                       33500                        11                  TALENT                                                          OR                          97540                         1                      2                       12/1/2006                     11/1/2036                    10/10/2006                        2/1/2007
     540.31                          66500                       66500                      9.75                  SAN LEANDRO                                                     CA                          94579                         1                      2                       12/1/2006                     11/1/2036                    10/16/2006                        2/1/2007
     255.15                          33100                       33100                      9.25                  CLOVIS                                                          CA                          93619                         1                      2                       12/1/2006                     11/1/2036                    10/12/2006                        2/1/2007
     311.75                          34800                       34800                     10.75                  TURLOCK                                                         CA                          95380                         1                      2                       12/1/2006                     11/1/2036                    10/17/2006                        2/1/2007
        445                          44500                       44500                        12                  MARYSVILLE                                                      WA                          98270                         1                      2                       12/1/2006                     11/1/2036                    10/26/2006                        2/1/2007
     557.81                       59499.62                       59500                     11.25                  OCEANSIDE                                                       CA                          92054                         3                      2                       12/1/2006                     11/1/2036                    10/16/2006                        2/1/2007
     285.29                          33400                       33400                     10.25                  VICTORVILLE                                                     CA                          92394                         1                      2                       12/1/2006                     11/1/2036                    10/18/2006                        2/1/2007
        830                       75646.02                       75700                    12.875                  POMONA                                                          CA                          91766                         4                      2                       12/1/2006                     11/1/2021                    10/16/2006                        2/1/2007
     782.86                       71349.06                       71400                    12.875                  POMONA                                                          CA                          91766                         4                      2                       12/1/2006                     11/1/2021                    10/17/2006                        2/1/2007
      362.5                          43500                       43500                        10                  CHICAGO                                                         IL                          60639                         2                      2                       12/1/2006                     11/1/2036                    10/23/2006                        2/1/2007
     614.17                          67000                       67000                        11                  SAN JOSE                                                        CA                          95122                         1                      2                       12/1/2006                     11/1/2036                    10/25/2006                        2/1/2007
     311.77                          36500                       36500                     10.25                  RIO RANCHO                                                      NM                          87124                         1                      2                        1/1/2007                     12/1/2036                     11/2/2006                        2/1/2007
     193.22                          22900                       22900                    10.125                  PHOENIX                                                         AZ                          85040                         2                      2                       12/1/2006                     11/1/2036                    10/27/2006                        2/1/2007
     548.84                       59927.53                       60000                      10.5                  LYNWOOD                                                         CA                          90262                         1                      2                       12/1/2006                     11/1/2021                    10/25/2006                        2/1/2007
     477.48                          55900                       55900                     10.25                  ERIE                                                            CO                          80516                         1                      2                        1/1/2007                     12/1/2036                     11/8/2006                        2/1/2007
     555.42                          62000                       62000                     10.75                  FREMONT                                                         CA                          94538                         1                      2                        1/1/2007                     12/1/2036                     11/8/2006                        2/1/2007
     724.17                          79000                       79000                        11                  SAN LEANDRO                                                     CA                          94579                         1                      2                        1/1/2007                     12/1/2036                    11/16/2006                        2/1/2007
     253.73                       24862.65                       24900                    11.875                  OLD STATION                                                     CA                          96071                         1                      2                       10/1/2006                      9/1/2021                     8/17/2006                        2/1/2007
     660.17                       62895.06                       63000                     12.25                  SOUTH GATE                                                      CA                          90280                         2                      2                        9/1/2006                      8/1/2021                     7/12/2006                        2/1/2007
     262.45                       25968.07                       26000                     11.75                  MODESTO                                                         CA                          95351                         1                      2                       11/1/2006                     10/1/2021                     8/28/2006                        2/1/2007
     257.81                       24742.19                       25000                    12.375                  ARIZONA CITY                                                    AZ                          85223                         2                      2                        9/1/2006                      8/1/2036                     7/21/2006                        2/1/2007
     264.97                        26185.8                       26250                     11.75                  SALT LAKE CITY                                                  UT                          84120                         1                      2                        9/1/2006                      8/1/2021                     7/12/2006                        2/1/2007
     263.47                       29022.09                       29100                    10.375                  EVERETT                                                         WA                          98203                         1                      2                        9/1/2006                      8/1/2021                     7/25/2006                        2/1/2007
     403.25                       44898.96                       45000                     10.25                  LAS VEGAS                                                       NV                          89178                         1                      2                       10/1/2006                      9/1/2021                      8/7/2006                        2/1/2007
     262.24                       26944.02                       27000                     11.25                  HENDERSON                                                       NV                          89015                         1                      2                        9/1/2006                      8/1/2021                     7/28/2006                        2/1/2007
     308.44                          42300                       42300                      8.75                  EL DORADO                                                       CA                          95623                         1                      2                       10/1/2006                      9/1/2036                      8/9/2006                        2/1/2007
     453.18                          56500                       56500                     9.625                  PINON HILLS                                                     CA                          92372                         1                      2                       10/1/2006                      9/1/2021                     8/11/2006                        2/1/2007
     244.69                       26670.93                       26750                      10.5                  LAS VEGAS                                                       NV                          89110                         1                      2                       10/1/2006                      9/1/2021                     8/24/2006                        2/1/2007
     436.61                          41500                       41500                    12.625                  SAN RAMON                                                       CA                          94583                         1                      2                       10/1/2006                      9/1/2036                     8/21/2006                        2/1/2007
     323.58                          35300                       35300                        11                  COARSEGOLD                                                      CA                          93614                         1                      2                       11/1/2006                     10/1/2036                     8/25/2006                        2/1/2007
     430.47                          47500                       47500                    10.875                  LOS ANGELES                                                     CA                          90502                         1                      2                       10/1/2006                      9/1/2036                     8/25/2006                        2/1/2007
     200.73                          23500                       23500                     10.25                  TACOMA                                                          WA                          98402                         1                      2                       11/1/2006                     10/1/2036                      9/7/2006                        2/1/2007
     353.11                       40984.76                       41100                      9.75                  RIVERSIDE                                                       CA                          92505                         1                      2                       10/1/2006                      9/1/2021                     8/25/2006                        2/1/2007
     262.45                       25968.07                       26000                     11.75                  APPLE VALLEY                                                    MN                          55124                         1                      2                       10/1/2006                      9/1/2021                     8/30/2006                        2/1/2007
      137.5                          15000                       15000                        11                  DENVER                                                          CO                          80231                         1                      2                       12/1/2006                     11/1/2036                    10/18/2006                        2/1/2007
     938.18                       99352.16                       99500                    10.875                  CAMARILLO                                                       CA                          93012                         1                      2                       11/1/2006                     10/1/2021                      9/1/2006                        2/1/2007
     524.32                       45103.44                       45500                     11.25                  STOCKTON                                                        CA                          95207                         2                      2                       11/1/2006                     10/1/2021                     8/31/2006                        2/1/2007
     420.87                       42458.87                       42500                      11.5                  TEMECULA                                                        CA                          92592                         1                      2                       12/1/2006                     11/1/2021                     10/6/2006                        2/1/2007
     369.08                          41100                       41200                     10.75                  COLTON                                                          CA                          92334                         1                      2                       11/1/2006                     10/1/2036                     9/14/2006                        2/1/2007
      334.9                          33490                       33490                        12                  TRACY                                                           CA                          95376                         1                      2                       11/1/2006                     10/1/2036                      9/1/2006                        2/1/2007
     484.17                       55816.89                       56000                    10.375                  LAWNDALE                                                        CA                          90260                         1                      2                       11/1/2006                     10/1/2036                     9/22/2006                        2/1/2007
     527.08                       57473.65                       57500                        11                  TOPANGA                                                         CA                          90290                         1                      2                       12/1/2006                     11/1/2036                     9/27/2006                        2/1/2007
     438.95                       47425.51                       47500                    10.625                  STOCKTON                                                        CA                          95206                         1                      2                       11/1/2006                     10/1/2021                      9/7/2006                        2/1/2007
     104.97                       10586.26                       10600                      11.5                  ATHENS                                                          GA                          30605                         2                      2                       11/1/2006                     10/1/2021                     10/3/2006                        2/1/2007
     325.83                          34000                       34000                      11.5                  GOODYEAR                                                        AZ                          85338                         1                      2                       12/1/2006                     11/1/2036                     10/2/2006                        2/1/2007
     189.58                          25000                       26000                      8.75                  ROCKVILLE                                                       MD                          20850                         1                      2                       12/1/2006                     11/1/2036                    10/19/2006                        2/1/2007
        550                          60000                       60000                        11                  ROSEDALE                                                        NY                          11422                         2                      2                       12/1/2006                     11/1/2036                     10/6/2006                        2/1/2007
        375                          40000                       40000                     11.25                  SACRAMENTO                                                      CA                          95829                         1                      2                       12/1/2006                     11/1/2036                    10/18/2006                        2/1/2007
     338.45                       36955.51                       37000                      10.5                  SCOTTSDALE                                                      AZ                          85257                         1                      2                       12/1/2006                     11/1/2021                    10/26/2006                        2/1/2007
     349.38                          43000                       43000                      9.75                  ANTELOPE                                                        CA                          95843                         1                      2                       12/1/2006                     11/1/2036                    10/19/2006                        2/1/2007
     418.54                       48918.54                       49000                     10.25                  CHINO                                                           CA                          91710                         1                      2                       12/1/2006                     11/1/2036                    10/16/2006                        2/1/2007
     656.25                          70000                       70000                     11.25                  WINCHESTER                                                      CA                          92596                         1                      2                        1/1/2007                     12/1/2036                     11/6/2006                        2/1/2007
     194.25                       19977.66                       20000                     11.25                  BAKERSFIELD                                                     CA                          93304                         1                      2                       12/1/2006                     11/1/2021                    10/30/2006                        2/1/2007
     591.67                       63287.01                       80000                     8.875                  BROOKLYN                                                        NY                          11236                         1                      2                       11/1/2006                     10/1/2036                     9/28/2006                        2/1/2007
     595.55                       58964.14                       59000                     11.75                  WILLIAMSBURG                                                    VA                          23185                         1                      2                        1/1/2007                     12/1/2021                    11/13/2006                        2/1/2007
        252                       32164.91                       32400                     8.625                  BETHEL PARK                                                     PA                          15102                         1                      2                        1/1/2007                     12/1/2021                     11/6/2006                        2/1/2007
     714.23                       63971.38                       64000                    13.125                  GRESHAM                                                         OR                          97030                         1                      2                        1/1/2007                     12/1/2021                     11/7/2006                        2/1/2007
     842.34                       93920.82                       94000                     10.25                  SCOTTSDALE                                                      AZ                          85258                         1                      2                        1/1/2007                     12/1/2021                    11/13/2006                        2/1/2007
     363.85                       46196.59                       46250                      8.75                  BELCAMP                                                         MD                          21017                         1                      2                        1/1/2007                     12/1/2021                    11/15/2006                        2/1/2007
     757.08                       67217.83                       67250                     13.25                  DISTRICT HEIGHTS                                                MD                          20747                         1                      2                        1/1/2007                     12/1/2021                    11/17/2006                        2/1/2007
     303.34                       38953.11                       39000                     8.625                  STAYTON                                                         OR                          97383                         1                      2                        1/1/2007                     12/1/2021                    11/22/2006                        2/1/2007
     385.09                       48345.54                       48400                     8.875                  MCMINNVILLE                                                     OR                          97128                         1                      2                        1/1/2007                     12/1/2021                    11/17/2006                        2/1/2007
     284.84                       35759.71                       35800                     8.875                  SALEM                                                           OR                          97301                         1                      2                        1/1/2007                     12/1/2021                    11/14/2006                        2/1/2007
     693.28                       78929.81                       79000                        10                  HYATTSVILLE                                                     MD                          20784                         1                      2                        1/1/2007                     12/1/2021                    11/21/2006                        2/1/2007
     444.37                       59051.94                       59150                      8.25                  ORANGE PARK                                                     FL                          32003                         1                      2                        1/1/2007                     12/1/2021                    11/15/2006                        2/1/2007
     924.94                      109891.35                      110000                       9.5                  WEST LINN                                                       OR                          97068                         1                      2                        1/1/2007                     12/1/2021                     11/9/2006                        2/1/2007
    1179.81                      117926.28                      118000                    11.625                  CASTRO VALLEY                                                   CA                          94546                         1                      2                        1/1/2007                     12/1/2021                     11/9/2006                        2/1/2007
     452.22                       44764.13                       44800                     11.75                  MESA                                                            AZ                          85204                         1                      2                        1/1/2007                     12/1/2021                    11/27/2006                        2/1/2007
     415.14                       37178.47                       37200                    13.125                  MILWAUKIE                                                       OR                          97222                         1                      2                        1/1/2007                     12/1/2021                     11/9/2006                        2/1/2007
     676.47                       62185.54                       62250                     12.75                  FRONT ROYAL                                                     VA                          22630                         1                      2                        1/1/2007                     12/1/2021                    11/21/2006                        2/1/2007
     853.34                       75767.06                       75800                     13.25                  CHANDLER                                                        AZ                          85248                         1                      2                        1/1/2007                     12/1/2021                    11/29/2006                        2/1/2007
     366.17                       33982.99                       34000                    12.625                  KEIZER                                                          OR                          97303                         1                      2                        1/1/2007                     12/1/2021                     11/6/2006                        2/1/2007
     219.39                       24977.79                       25000                        10                  COLORADO SPRINGS                                                CO                          80916                         1                      2                        1/1/2007                     12/1/2021                     11/1/2006                        2/1/2007
     413.74                       51941.47                       52000                     8.875                  BELLEVILLE                                                      MI                          48111                         1                      2                        1/1/2007                     12/1/2021                    11/21/2006                        2/1/2007
     249.52                        29969.6                       30000                     9.375                  LIVONIA                                                         MI                          48152                         1                      2                        1/1/2007                     12/1/2021                     11/1/2006                        2/1/2007
     395.25                       36681.63                       36700                    12.625                  SALEM                                                           OR                          97301                         1                      2                        1/1/2007                     12/1/2021                     11/9/2006                        2/1/2007
    1918.19                      193575.61                      193700                      11.5                  MIAMI                                                           FL                          33131                         1                      2                        1/1/2007                     12/1/2021                     11/9/2006                        2/1/2007
     169.87                       23965.15                       24000                     7.625                  YORK                                                            PA                          17408                         1                      2                        1/1/2007                     12/1/2021                    11/29/2006                        2/1/2007
     688.02                       78318.25                       78400                        10                  HYATTSVILLE                                                     MD                          20784                         1                      2                        1/1/2007                     12/1/2021                    11/22/2006                        2/1/2007
     715.05                       76542.06                       76600                     10.75                  ROCHESTER                                                       MI                          48306                         1                      2                        1/1/2007                     12/1/2021                    11/21/2006                        2/1/2007
     674.99                       85700.92                       85800                      8.75                  SOUTH LAKE TAHOE                                                CA                          96150                         1                      2                        1/1/2007                     12/1/2021                     11/9/2006                        2/1/2007
      376.9                       42444.22                       42500                    10.125                  RHODODENDRON                                                    OR                          97049                         1                      2                        1/1/2007                     12/1/2021                    11/27/2006                        2/1/2007
     382.52                        35165.2                       35200                     12.75                  DALLAS                                                          PA                          18612                         1                      2                        1/1/2007                     12/1/2021                    11/10/2006                        2/1/2007
     970.49                       97905.13                       98000                      11.5                  RANCHO CUCAMONGO                                                CA                          91730                         1                      2                       12/1/2006                     11/1/2021                     11/2/2006                        2/1/2007
      620.3                       75321.52                       75400                      9.25                  ALEXANDRIA                                                      VA                          22315                         1                      2                        1/1/2007                     12/1/2021                    11/27/2006                        2/1/2007
      474.1                        56942.2                       57000                     9.375                  TEMPLE HILLS                                                    MD                          20748                         1                      2                        1/1/2007                     12/1/2021                    11/21/2006                        2/1/2007
     511.36                       64924.93                       65000                      8.75                  YORKTOWN                                                        VA                          23692                         1                      2                        1/1/2007                     12/1/2021                    11/21/2006                        2/1/2007
     413.31                        43368.9                       43400                        11                  LAKELAND                                                        FL                          33812                         1                      2                        1/1/2007                     12/1/2021                    11/22/2006                        2/1/2007
     479.94                       45775.08                       45800                     12.25                  KISSIMMEE                                                       FL                          34743                         1                      2                        1/1/2007                     12/1/2021                    11/21/2006                        2/1/2007
     196.68                       24961.22                       25000                      8.75                  SHERWOOD                                                        OR                          97140                         1                      2                        1/1/2007                     12/1/2021                    11/14/2006                        2/1/2007
     360.84                       41960.66                       42000                      9.75                  MARTINEZ                                                        CA                          94553                         1                      2                        1/1/2007                     12/1/2021                    11/20/2006                        2/1/2007
     272.36                        33812.9                       33850                         9                  VIRGINIA BEACH                                                  VA                          23464                         1                      2                        1/1/2007                     12/1/2021                    11/16/2006                        2/1/2007
    1266.39                      115445.37                      115500                    12.875                  GAITHERSBURG                                                    MD                          20877                         1                      2                        1/1/2007                     12/1/2021                    11/15/2006                        2/1/2007
     492.86                       54933.49                       55000                     10.25                  CONCORD                                                         CA                          94520                         1                      2                        1/1/2007                     12/1/2021                    11/21/2006                        2/1/2007
    2183.61                      204494.73                      204600                      12.5                  MIAMI                                                           FL                          33143                         1                      2                        1/1/2007                     12/1/2021                    11/21/2006                        2/1/2007
     433.59                       47357.11                       47400                      10.5                  GILBERT                                                         AZ                          85234                         1                      2                        1/1/2007                     12/1/2021                    11/20/2006                        2/1/2007
      642.7                       57050.52                       57090                     13.25                  HUBBARD                                                         OR                          97032                         1                      2                        1/1/2007                     12/1/2021                    11/15/2006                        2/1/2007
    1017.38                       96148.47                       96200                    12.375                  JESSUP                                                          MD                          20794                         1                      2                        1/1/2007                     12/1/2021                    11/22/2006                        2/1/2007
     613.55                       54476.31                       54500                     13.25                  COLORADO SPRINGS                                                CO                          80906                         1                      2                        1/1/2007                     12/1/2021                    11/29/2006                        2/1/2007
      390.7                       43563.28                       43600                     10.25                  WATERFORD                                                       MI                          48328                         1                      2                        1/1/2007                     12/1/2021                    11/17/2006                        2/1/2007
     531.36                       57455.31                       57500                    10.625                  AURORA                                                          CO                          80016                         1                      2                        1/1/2007                     12/1/2021                    11/20/2006                        2/1/2007
     317.41                       34672.31                       34700                      10.5                  WOOD VILLAGE                                                    OR                          97060                         1                      2                        1/1/2007                     12/1/2021                    11/17/2006                        2/1/2007
     544.91                        51971.7                       52000                     12.25                  TURNER                                                          OR                          97392                         1                      2                        1/1/2007                     12/1/2021                    11/13/2006                        2/1/2007
     594.35                       56170.27                       56200                    12.375                  TUCSON                                                          AZ                          85710                         1                      2                        1/1/2007                     12/1/2021                    11/22/2006                        2/1/2007
    1359.77                      139904.78                      140000                     11.25                  BOWIE                                                           MD                          20721                         1                      2                        1/1/2007                     12/1/2021                    11/30/2006                        2/1/2007
     412.99                       43767.75                       43800                    10.875                  GLADSTONE                                                       OR                          97027                         1                      2                        1/1/2007                     12/1/2021                    11/22/2006                        2/1/2007
    1733.87                      166906.59                      167000                    12.125                  LORTON                                                          VA                          22079                         1                      2                        1/1/2007                     12/1/2021                    11/17/2006                        2/1/2007
    1090.16                       95949.51                       96000                    13.375                  QUEEN CREEK                                                     AZ                          85242                         1                      2                        1/1/2007                     12/1/2021                    11/29/2006                        2/1/2007
     239.94                       30464.79                       30500                      8.75                  KALAMA                                                          WA                          98625                         1                      2                        1/1/2007                     12/1/2021                    11/22/2006                        2/1/2007
     729.72                        68963.5                       69000                    12.375                  CHANDLER                                                        AZ                          85248                         1                      2                        1/1/2007                     12/1/2021                    11/17/2006                        2/1/2007
    1235.76                      125916.84                      126000                    11.375                  ROCKVILLE                                                       MD                          20853                         1                      2                        1/1/2007                     12/1/2021                    11/22/2006                        2/1/2007
     805.01                       78953.29                       79000                    11.875                  CENTREVILLE                                                     VA                          20121                         1                      2                        1/1/2007                     12/1/2021                    11/28/2006                        2/1/2007
     190.02                       24656.67                       25000                     8.375                  CORNELIUS                                                       OR                          97113                         1                      2                        1/1/2007                     12/1/2021                    11/22/2006                        2/1/2007
     994.11                       93950.28                       94000                    12.375                  MIAMI                                                           FL                          33173                         1                      2                        1/1/2007                     12/1/2021                    11/17/2006                        2/1/2007
     271.67                       24987.85                       25000                     12.75                  COTTAGE GROVE                                                   OR                          97424                         1                      2                        1/1/2007                     12/1/2021                    11/29/2006                        2/1/2007
     346.24                       35957.43                       36000                    11.125                  KINGMAN                                                         AZ                          86401                         1                      2                        1/1/2007                     12/1/2021                    11/22/2006                        2/1/2007
     866.15                       84949.75                       85000                    11.875                  OREGON CITY                                                     OR                          97045                         1                      2                        1/1/2007                     12/1/2021                    11/28/2006                        2/1/2007
     385.73                       37478.43                       37500                        12                  PORTLAND                                                        OR                          97203                         1                      2                        1/1/2007                     12/1/2021                    11/21/2006                        2/1/2007
     442.42                       45967.93                       46000                    11.125                  SALEM                                                           OR                          97305                         1                      2                        1/1/2007                     12/1/2021                    11/21/2006                        2/1/2007
     269.96                       26983.12                       27000                    11.625                  LAKE HAVASU CITY                                                AZ                          86406                         1                      2                        1/1/2007                     12/1/2021                    11/28/2006                        2/1/2007
      724.2                        83287.4                       83400                     9.875                  PORTLAND                                                        OR                          97230                         1                      2                        1/1/2007                     12/1/2021                    11/27/2006                        2/1/2007
     904.07                       93934.48                       94000                    11.125                  VALLEJO                                                         CA                          94590                         1                      2                        1/1/2007                     12/1/2021                    11/28/2006                        2/1/2007
      715.3                       85912.11                       86000                     9.375                  ALEXANDRIA                                                      VA                          22315                         1                      2                        1/1/2007                     12/1/2021                    11/22/2006                        2/1/2007
     423.82                       53208.06                       53268                     8.875                  EASTON                                                          PA                          18040                         1                      2                        1/1/2007                     12/1/2021                    11/29/2006                        2/1/2007
     796.48                       76889.45                       77000                    12.075                  SOMERVILLE                                                      MA                           2145                         1                      2                       10/1/2006                      9/1/2036                      8/8/2006                        2/1/2007
     827.94                       80777.44                       81250                    11.875                  TEMPLE HILLS                                                    MD                          20748                         1                      2                       10/1/2006                      9/1/2021                     8/14/2006                        2/1/2007
    1827.01                      129949.23                      130000                     16.75                  FIRESTONE                                                       CO                          80504                         1                      2                       11/1/2006                     10/1/2036                     9/13/2006                        2/1/2007
     656.48                       45384.25                       45400                     17.25                  WASHINGTON D.C.                                                 DC                          20020                         1                      2                       11/1/2006                     10/1/2036                     9/15/2006                        2/1/2007
     730.83                       59161.99                       59200                    14.625                  GENEVA                                                          IL                          60134                         1                      2                       11/1/2006                     10/1/2036                     9/29/2006                        2/1/2007
    3189.81                      334467.02                      334950                        11                  MURRIETA                                                        CA                          92563                         1                      2                       12/1/2006                     11/1/2021                     10/6/2006                        2/1/2007
     354.72                       32044.77                       32067                        13                  ARLINGTON                                                       TX                          76002                         1                      2                       12/1/2006                     11/1/2021                     10/5/2006                        2/1/2007
     565.61                       42684.28                       42700                     15.75                  ANDOVER                                                         MN                          55304                         1                      2                       12/1/2006                     11/1/2036                     11/2/2006                        2/1/2007
     354.27                       27146.39                       27157                      15.5                  HUMBLE                                                          TX                          77396                         1                      2                       12/1/2006                     11/1/2036                    10/23/2006                        2/1/2007
     983.54                       92823.27                       93000                    12.375                  EAST SANDWICH                                                   MA                           2537                         1                      2                        8/1/2006                      7/1/2021                     6/26/2006                        2/1/2007
     993.82                       83135.31                       83180                    14.125                  OCEANSIDE                                                       CA                          92054                         1                      2                       12/1/2006                     11/1/2021                    10/30/2006                        2/1/2007
    1268.97                      117525.57                      118900                      12.5                  STERLING                                                        VA                          20166                         1                      2                       12/1/2006                     11/1/2021                    10/27/2006                        2/1/2007
      629.6                       50975.18                       51000                    14.625                  FREEPORT                                                        TX                          77541                         1                      2                       12/1/2006                     11/1/2036                     11/2/2006                        2/1/2007
     280.16                       26236.49                       26250                      12.5                  TAMPA                                                           FL                          33604                         1                      2                        1/1/2007                     12/1/2021                    11/17/2006                        2/1/2007
    1056.59                       98923.19                       99000                      12.5                  LAKEVILLE                                                       MN                          55044                         1                      2                       12/1/2006                     11/1/2036                    10/26/2006                        2/1/2007
     690.97                       50976.91                       51000                    16.125                  ST. PAUL                                                        MN                          55106                         2                      2                       12/1/2006                     11/1/2036                    10/25/2006                        2/1/2007
     284.63                       20695.65                       20700                    16.375                  HOPEWELL                                                        VA                          23860                         2                      2                        1/1/2007                     12/1/2036                    11/15/2006                        2/1/2007
      585.5                       40198.93                       40209                    17.375                  SAN ANTONIO                                                     TX                          78239                         1                      2                       12/1/2006                     11/1/2036                     11/3/2006                        2/1/2007
     716.02                        57981.6                       58000                    14.625                  ST. PAUL                                                        MN                          55106                         1                      2                        1/1/2007                     12/1/2036                    11/22/2006                        2/1/2007
     106.84                       11785.42                       11800                    10.375                  ATLANTA                                                         GA                          30331                         1                      2                       12/1/2006                     11/1/2021                    10/31/2006                        2/1/2007
     412.77                       29793.92                       29800                      16.5                  ST. PAUL                                                        MN                          55106                         2                      2                        1/1/2007                     12/1/2036                    11/30/2006                        2/1/2007
     442.56                       34989.82                       35000                        15                  NORTH BRANCH                                                    MN                          55056                         1                      2                        1/1/2007                     12/1/2036                     11/6/2006                        2/1/2007
     488.66                       54553.87                       54600                    10.235                  COON RAPIDS                                                     MN                          55448                         1                      2                        1/1/2007                     12/1/2021                     11/7/2006                        2/1/2007
     887.11                       75457.09                       75500                    13.875                  CONCORD                                                         CA                          94520                         1                      2                       12/1/2006                     11/1/2021                    10/30/2006                        2/1/2007
     412.17                       37242.87                       37260                        13                  GRAND PRAIRIE                                                   TX                          75052                         1                      2                        1/1/2007                     12/1/2021                     11/6/2006                        2/1/2007
     809.23                       91090.77                       91250                    10.125                  MIAMI                                                           FL                          33193                         1                      2                       11/1/2006                     10/1/2036                      9/7/2006                        2/1/2007
     505.03                       36991.97                       37000                     16.25                  DENVER                                                          CO                          80249                         1                      2                        1/1/2007                     12/1/2036                    11/13/2006                        2/1/2007
     157.91                       11397.66                       11400                      16.5                  CHARLOTTE                                                       NC                          28208                         1                      2                        1/1/2007                     12/1/2021                     11/6/2006                        2/1/2007
     369.94                       34952.09                       34980                    12.375                  JACKSONVILLE                                                    FL                          32210                         1                      2                       12/1/2006                     11/1/2036                    10/12/2006                        2/1/2007
    1336.08                      109963.04                      110000                    14.375                  BREA                                                            CA                          92821                         1                      2                        1/1/2007                     12/1/2021                    10/31/2006                        2/1/2007
     456.88                       39524.21                       39548                    13.625                  LOCUST GROVE                                                    GA                          30248                         1                      2                       12/1/2006                     11/1/2036                    10/31/2006                        2/1/2007
     302.35                        37935.6                       38000                     8.875                  JACKSONVILLE                                                    FL                          32222                         1                      2                       12/1/2006                     11/1/2036                    10/26/2006                        2/1/2007
     456.22                       31997.11                       32000                        17                  MILWAUKEE                                                       WI                          53210                         1                      2                        2/1/2007                      1/1/2037                     12/8/2006                        2/1/2007
     440.97                       51829.09                       51879                     9.625                  LAS VEGAS                                                       NV                          89107                         1                      2                        1/1/2007                     12/1/2036                     11/3/2006                        2/1/2007
     322.23                       25473.17                       25500                     14.99                  LAS VEGAS                                                       NV                          89119                         1                      2                        8/1/2006                      7/1/2021                     6/23/2006                        2/1/2007
     601.87                       63154.72                       63200                        11                  KISSIMMEE                                                       FL                          34746                         1                      2                        1/1/2007                     12/1/2036                     11/7/2006                        2/1/2007
    1204.14                       91576.99                       91600                    15.625                  SILVER LAKES                                                    CA                          92342                         1                      2                        1/1/2007                     12/1/2036                    11/16/2006                        2/1/2007
     264.71                        37345.7                       37400                     7.625                  PHOENIX                                                         AZ                          85037                         1                      2                        1/1/2007                     12/1/2036                     11/8/2006                        2/1/2007
    2053.16                      154962.19                      155000                     15.75                  DENVER                                                          CO                          80206                         1                      2                        1/1/2007                     12/1/2021                     11/8/2006                        2/1/2007
    3471.43                      317248.69                      317400                     12.84                  YORBA LINDA                                                     CA                          92886                         1                      2                        1/1/2007                     12/1/2036                    11/16/2006                        2/1/2007
     378.08                       34162.28                       34178                        13                  AURORA                                                          CO                          80013                         1                      2                        1/1/2007                     12/1/2021                    11/17/2006                        2/1/2007
     391.51                       35375.72                       35392                        13                  AURORA                                                          CO                          80013                         1                      2                        1/1/2007                     12/1/2021                    11/17/2006                        2/1/2007
     880.76                       66983.17                       67000                    15.625                  LANCASTER                                                       CA                          93534                         1                      2                        1/1/2007                     12/1/2021                     11/9/2006                        2/1/2007
    2744.22                      299760.52                      300000                      10.5                  ROSLYN HARBOR                                                   NY                          11576                         1                      2                        1/1/2007                     12/1/2021                    11/21/2006                        2/1/2007
     426.14                       30758.72                       30765                      16.5                  BAXTER                                                          MN                          56425                         1                      2                        1/1/2007                     12/1/2036                    11/30/2006                        2/1/2007
     776.61                       74758.15                       74800                    12.125                  ATLANTA                                                         GA                          30331                         1                      2                        1/1/2007                     12/1/2021                    11/20/2006                        2/1/2007
     301.34                        33950.6                       33980                    10.125                  KENNESAW                                                        GA                          30144                         1                      2                        1/1/2007                     12/1/2021                    11/30/2006                        2/1/2007
     276.71                       23736.11                       23750                     13.75                  DETROIT                                                         MI                          48227                         1                      2                       12/1/2006                     11/1/2036                    10/27/2006                        2/1/2007
      367.8                        22997.5                       23000                    19.125                  COLUMBUS                                                        OH                          43224                         4                      2                        1/1/2007                     12/1/2021                     12/6/2006                        2/1/2007
    1299.61                       103584.6                      103600                    14.875                  PRIOR LAKE                                                      MN                          55372                         1                      2                        2/1/2007                      1/1/2037                    12/12/2006                        2/1/2007
     167.62                       13795.36                       13800                    14.375                  RICHMOND                                                        VA                          23222                         1                      2                        1/1/2007                     12/1/2036                    11/28/2006                        2/1/2007
    1053.49                       83954.87                       83980                    14.875                  PARKER                                                          CO                          80134                         1                      2                        1/1/2007                     12/1/2021                    11/29/2006                        2/1/2007
    1476.26                       129972.7                      130000                    13.375                  MASPETH                                                         NY                          11378                         1                      2                        2/1/2007                      1/1/2022                     12/8/2006                        2/1/2007
     362.07                       38385.93                       38400                    10.875                  COLLINSVILLE                                                    OK                          74021                         1                      2                        2/1/2007                      1/1/2022                    12/15/2006                        2/1/2007

         PI                    FICO                   EMPLOY                           ATERM                      OTERM                        PPOTERM                     AGE                  ARMFLAG                       BALLFLAG                       IOFLAG                          IOTERM                      GSOLTV                       GSCOLTV                   MTM_OCCLIT
         --                    ----                   ------                           -----                      -----                        -------                     ---                  -------                       --------                       ------                          ------                      ------                       -------                   ----------
     197.12                     646                   N                                  342                        360                              0                      17                  FIXED                         N                              N                                    0                       22.52                           100                   OWNER OCCUPIED
     262.91                     665                   N                                  345                        360                              0                      15                  FIXED                         N                              N                                    0                          20                            95                   INVESTOR
     254.18                     672                   Y                                  316                        360                              0                      15                  FIXED                         N                              N                                    0                          20                           100                   INVESTOR
     465.59                     683                   N                                  346                        180                              0                      14                  FIXED                         Y                              N                                    0                          20                           100                   OWNER OCCUPIED
     176.05                     758                   N                                  343                        360                              0                      15                  FIXED                         N                              N                                    0                          20                           100                   INVESTOR
        668                     734                   N                                  346                        360                              0                      14                  FIXED                         N                              N                                    0                          20                           100                   OWNER OCCUPIED
     207.07                     713                   N                                  166                        180                              0                      14                  FIXED                         N                              N                                    0                          20                           100                   INVESTOR
    1991.09                     702                   Y                                  347                        360                              0                      13                  FIXED                         N                              N                                    0                          35                           100                   INVESTOR
     144.53                     691                   N                                  345                        360                              0                      14                  FIXED                         N                              N                                    0                          20                           100                   INVESTOR
     348.25                     678                   N                                  345                        360                              0                      13                  FIXED                         N                              N                                    0                          30                            95                   INVESTOR
     219.29                     620                   Y                                  348                        360                              0                      12                  FIXED                         N                              N                                    0                          10                            90                   INVESTOR
      273.8                     722                   Y                                  347                        360                              0                      13                  FIXED                         N                              N                                    0                          20                            90                   INVESTOR
     548.87                     630                   N                                  346                        360                              0                      12                  FIXED                         N                              N                                    0                          20                           100                   OWNER OCCUPIED
     672.08                     641                   N                                  348                        360                              0                      12                  FIXED                         N                              N                                    0                          20                           100                   OWNER OCCUPIED
     620.16                     714                   N                                  348                        360                              0                      12                  FIXED                         N                              N                                    0                          20                           100                   INVESTOR
     486.54                     715                   N                                  348                        360                              0                      12                  FIXED                         N                              N                                    0                          25                            95                   SECOND HOME
     893.18                     669                   N                                  350                        360                              0                      10                  FIXED                         N                              N                                    0                          15                            95                   OWNER OCCUPIED
     374.13                     652                   N                                  328                        360                              0                      11                  FIXED                         N                              N                                    0                       19.16                         99.16                   OWNER OCCUPIED
     401.75                     682                   N                                  349                        360                              0                      11                  FIXED                         N                              N                                    0                          15                            95                   INVESTOR
     235.78                     672                   Y                                  334                        360                              0                      11                  FIXED                         N                              N                                    0                          15                            95                   INVESTOR
     290.48                     724                   N                                  349                        360                              0                      11                  FIXED                         N                              N                                    0                          35                           100                   INVESTOR
     151.77                     789                   Y                                  349                        360                              0                      11                  FIXED                         N                              N                                    0                          20                           100                   INVESTOR
      283.9                     700                   N                                  349                        360                              0                      11                  FIXED                         N                              N                                    0                          20                           100                   INVESTOR
     213.28                     692                   N                                  349                        360                              0                      11                  FIXED                         N                              N                                    0                          20                           100                   INVESTOR
     298.15                     749                   N                                  349                        360                              0                      11                  FIXED                         N                              N                                    0                          20                           100                   OWNER OCCUPIED
     537.67                     704                   N                                  349                        180                              0                      11                  FIXED                         Y                              N                                    0                       22.22                         94.81                   OWNER OCCUPIED
     325.49                     629                   N                                  349                        360                              0                      11                  FIXED                         N                              N                                    0                       19.97                           100                   OWNER OCCUPIED
     844.26                     737                   N                                  349                        360                              0                      11                  FIXED                         N                              N                                    0                          20                           100                   SECOND HOME
     383.47                     622                   Y                                  346                        360                              0                      11                  FIXED                         N                              N                                    0                          20                           100                   OWNER OCCUPIED
     331.34                     767                   N                                  346                        360                              0                      11                  FIXED                         N                              N                                    0                          20                           100                   INVESTOR
     239.02                     621                   N                                  350                        360                              0                      10                  FIXED                         N                              N                                    0                          10                            85                   OWNER OCCUPIED
      227.2                     754                   N                                  344                        360                              0                      11                  FIXED                         N                              N                                    0                       20.02                           100                   INVESTOR
     382.65                     689                   N                                  349                        360                              0                      11                  FIXED                         N                              N                                    0                          20                           100                   OWNER OCCUPIED
     355.78                     710                   N                                  349                        360                              0                      11                  FIXED                         N                              N                                    0                        9.99                          89.9                   OWNER OCCUPIED
     295.43                     699                   N                                  349                        360                              0                      11                  FIXED                         N                              N                                    0                          20                           100                   SECOND HOME
     894.97                     621                   N                                  349                        360                              0                      11                  FIXED                         N                              N                                    0                          20                           100                   OWNER OCCUPIED
      564.5                     672                   N                                  335                        360                              0                      11                  FIXED                         N                              N                                    0                          25                            95                   INVESTOR
     673.21                     639                   N                                  349                        360                              0                      11                  FIXED                         N                              N                                    0                          20                           100                   OWNER OCCUPIED
     450.19                     705                   N                                  349                        360                              0                      11                  FIXED                         N                              N                                    0                          25                           100                   INVESTOR
     390.34                     758                   N                                  348                        360                              0                      10                  FIXED                         N                              N                                    0                          20                           100                   SECOND HOME
     545.02                     762                   N                                  350                        360                              0                      10                  FIXED                         N                              N                                    0                          20                            95                   INVESTOR
     207.88                     721                   N                                  349                        360                              0                      11                  FIXED                         N                              N                                    0                          20                           100                   OWNER OCCUPIED
      160.9                     668                   Y                                  349                        360                              0                      11                  FIXED                         N                              N                                    0                          10                            90                   INVESTOR
     423.38                     715                   N                                  349                        360                              0                      11                  FIXED                         N                              N                                    0                          25                           100                   INVESTOR
      600.4                     622                   N                                  349                        360                              0                      11                  FIXED                         N                              N                                    0                          20                           100                   OWNER OCCUPIED
     507.18                     703                   N                                  349                        360                              0                      11                  FIXED                         N                              N                                    0                          20                           100                   OWNER OCCUPIED
     316.67                     716                   N                                  349                        360                              0                      11                  FIXED                         N                              N                                    0                          20                           100                   SECOND HOME
      481.2                     684                   N                                  349                        360                              0                      11                  FIXED                         N                              N                                    0                          30                            95                   INVESTOR
     329.97                     737                   N                                  331                        360                              0                      11                  FIXED                         N                              N                                    0                          20                           100                   OWNER OCCUPIED
     343.19                     699                   N                                  346                        360                              0                      11                  FIXED                         N                              N                                    0                          10                            90                   INVESTOR
     267.53                     707                   N                                  349                        360                              0                      11                  FIXED                         N                              N                                    0                          20                           100                   INVESTOR
     285.07                     707                   N                                  349                        360                              0                      11                  FIXED                         N                              N                                    0                          20                           100                   INVESTOR
     487.61                     711                   N                                  345                        360                              0                      11                  FIXED                         N                              N                                    0                        29.9                          94.9                   INVESTOR
      354.3                     768                   Y                                  338                        360                              0                      11                  FIXED                         N                              N                                    0                          20                           100                   INVESTOR
     523.56                     647                   Y                                  346                        360                              0                      11                  FIXED                         N                              N                                    0                          20                           100                   OWNER OCCUPIED
     605.81                     658                   Y                                  349                        360                              0                      11                  FIXED                         N                              N                                    0                          25                            90                   OWNER OCCUPIED
     630.31                     653                   N                                  346                        360                              0                      11                  FIXED                         N                              N                                    0                          20                           100                   OWNER OCCUPIED
     208.91                     654                   N                                  348                        360                              0                      11                  FIXED                         N                              N                                    0                          20                           100                   OWNER OCCUPIED
     204.72                     780                   N                                  345                        360                              0                      11                  FIXED                         N                              N                                    0                          20                           100                   INVESTOR
    1718.29                     684                   Y                                  349                        360                              0                      11                  FIXED                         N                              N                                    0                       20.28                         99.94                   SECOND HOME
     560.94                     675                   Y                                  349                        360                              0                      11                  FIXED                         N                              N                                    0                          25                            95                   INVESTOR
     560.94                     675                   Y                                  349                        360                              0                      11                  FIXED                         N                              N                                    0                          25                            95                   INVESTOR
     465.32                     763                   N                                  349                        360                              0                      11                  FIXED                         N                              N                                    0                          20                           100                   INVESTOR
     668.04                     677                   N                                  349                        360                              0                      11                  FIXED                         N                              N                                    0                          15                            95                   INVESTOR
     227.97                     710                   N                                  348                        360                              0                      11                  FIXED                         N                              N                                    0                          20                           100                   SECOND HOME
     653.44                     725                   N                                  347                        360                              0                      11                  FIXED                         N                              N                                    0                          20                           100                   OWNER OCCUPIED
     454.01                     768                   N                                  349                        360                              0                      11                  FIXED                         N                              N                                    0                          20                           100                   INVESTOR
     313.07                     773                   N                                  349                        360                              0                      11                  FIXED                         N                              N                                    0                          20                           100                   SECOND HOME
     329.84                     686                   N                                  349                        360                              0                      11                  FIXED                         N                              N                                    0                          20                           100                   INVESTOR
     394.31                     774                   N                                  349                        360                              0                      11                  FIXED                         N                              N                                    0                          20                           100                   SECOND HOME
     681.52                     658                   N                                  349                        360                              0                      11                  FIXED                         N                              N                                    0                          20                           100                   OWNER OCCUPIED
     315.56                     771                   Y                                  347                        360                              0                      11                  FIXED                         N                              N                                    0                          20                           100                   SECOND HOME
     477.91                     738                   N                                  349                        360                              0                      11                  FIXED                         N                              N                                    0                          20                           100                   INVESTOR
     845.17                     683                   N                                  350                        360                              0                      10                  FIXED                         N                              N                                    0                          35                           100                   INVESTOR
     352.26                     770                   N                                  349                        360                              0                      11                  FIXED                         N                              N                                    0                          20                           100                   INVESTOR
     441.72                     733                   N                                  346                        360                              0                      11                  FIXED                         N                              N                                    0                          20                           100                   OWNER OCCUPIED
     192.48                     714                   N                                  344                        360                              0                      10                  FIXED                         N                              N                                    0                          20                           100                   INVESTOR
     253.75                     663                   N                                  349                        360                              0                      11                  FIXED                         N                              N                                    0                          20                           100                   OWNER OCCUPIED
     170.26                     735                   N                                  343                        360                              0                      10                  FIXED                         N                              N                                    0                       22.89                         92.89                   INVESTOR
     289.58                     681                   Y                                  349                        360                              0                      11                  FIXED                         N                              N                                    0                          20                           100                   INVESTOR
     225.79                     671                   N                                  349                        360                              0                      11                  FIXED                         N                              N                                    0                          20                           100                   OWNER OCCUPIED
     103.33                     715                   N                                  349                        360                              0                      11                  FIXED                         N                              N                                    0                          10                            90                   INVESTOR
     616.44                     692                   N                                  349                        360                              0                      11                  FIXED                         N                              N                                    0                          35                           100                   INVESTOR
     166.85                     707                   Y                                  349                        360                              0                      11                  FIXED                         N                              N                                    0                          20                           100                   INVESTOR
     508.72                     674                   N                                  349                        360                              0                      11                  FIXED                         N                              N                                    0                          30                           100                   OWNER OCCUPIED
     195.05                     688                   N                                  349                        360                              0                      11                  FIXED                         N                              N                                    0                          20                           100                   INVESTOR
     143.36                     664                   N                                  349                        360                              0                      11                  FIXED                         N                              N                                    0                       10.71                            90                   OWNER OCCUPIED
     270.89                     691                   N                                  296                        360                              0                      11                  FIXED                         N                              N                                    0                          15                            95                   INVESTOR
     214.19                     693                   N                                  316                        360                              0                      11                  FIXED                         N                              N                                    0                          20                           100                   OWNER OCCUPIED
     448.04                     757                   N                                  347                        360                              0                      11                  FIXED                         N                              N                                    0                          20                           100                   INVESTOR
    1087.79                     765                   Y                                  349                        360                              0                      11                  FIXED                         N                              N                                    0                          30                           100                   INVESTOR
     477.33                     721                   Y                                  349                        360                              0                      11                  FIXED                         N                              N                                    0                          20                           100                   INVESTOR
     484.84                     722                   N                                  347                        360                              0                      11                  FIXED                         N                              N                                    0                          20                           100                   INVESTOR
     478.28                     793                   N                                  349                        360                              0                      11                  FIXED                         N                              N                                    0                          20                           100                   INVESTOR
     464.88                     720                   N                                  349                        360                              0                      11                  FIXED                         N                              N                                    0                          20                           100                   OWNER OCCUPIED
     301.25                     663                   N                                  349                        180                              0                      11                  FIXED                         Y                              N                                    0                          15                            90                   OWNER OCCUPIED
     451.54                     720                   N                                  347                        360                              0                      11                  FIXED                         N                              N                                    0                          20                           100                   SECOND HOME
     404.49                     653                   N                                  349                        360                              0                      11                  FIXED                         N                              N                                    0                          20                           100                   OWNER OCCUPIED
     419.46                     686                   N                                  349                        360                              0                      11                  FIXED                         N                              N                                    0                          20                           100                   OWNER OCCUPIED
     237.83                     717                   N                                  349                        360                              0                      11                  FIXED                         N                              N                                    0                          20                           100                   SECOND HOME
     265.94                     799                   N                                  349                        360                              0                      11                  FIXED                         N                              N                                    0                          25                            90                   INVESTOR
     288.33                     645                   N                                  349                        360                              0                      11                  FIXED                         N                              N                                    0                          20                           100                   OWNER OCCUPIED
     288.34                     755                   N                                  350                        360                              0                      10                  FIXED                         N                              N                                    0                          25                            90                   OWNER OCCUPIED
     852.75                     713                   N                                  349                        360                              0                      11                  FIXED                         N                              N                                    0                          30                           100                   INVESTOR
     320.16                     658                   N                                  349                        360                              0                      11                  FIXED                         N                              N                                    0                          20                           100                   OWNER OCCUPIED
     262.12                     680                   Y                                  347                        360                              0                      11                  FIXED                         N                              N                                    0                          15                            95                   INVESTOR
     280.11                     721                   N                                  349                        360                              0                      10                  FIXED                         N                              N                                    0                          15                            95                   OWNER OCCUPIED
     740.91                     766                   N                                  349                        180                              0                      10                  FIXED                         Y                              N                                    0                          20                           100                   OWNER OCCUPIED
     317.03                     675                   Y                                  345                        360                              0                      11                  FIXED                         N                              N                                    0                          20                           100                   OWNER OCCUPIED
     701.69                     802                   Y                                  349                        360                              0                      11                  FIXED                         N                              N                                    0                          30                           100                   INVESTOR
     253.03                     735                   Y                                  347                        360                              0                      11                  FIXED                         N                              N                                    0                          20                           100                   INVESTOR
     607.92                     669                   N                                  349                        360                              0                      11                  FIXED                         N                              N                                    0                          20                           100                   OWNER OCCUPIED
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        473                     725                   Y                                  352                        360                              0                       8                  FIXED                         N                              N                                    0                       35.02                           100                   INVESTOR
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     812.65                     690                   Y                                  357                        180                              0                       3                  FIXED                         Y                              N                                    0                       22.32                         94.52                   OWNER OCCUPIED
     277.56                     659                   Y                                  356                        180                              0                       4                  FIXED                         Y                              N                                    0                       19.56                         87.49                   INVESTOR
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     515.68                     727                   Y                                  357                        180                              0                       3                  FIXED                         Y                              N                                    0                       27.05                         99.99                   INVESTOR
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     234.79                     707                   Y                                    0                        360                              0                       3                  FIXED                         N                              Y                                  120                          10                            90                   INVESTOR
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     138.75                     714                   N                                    0                        360                              0                       5                  FIXED                         N                              Y                                  120                        9.99                         89.97                   INVESTOR
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    1454.69                     724                   Y                                    0                        360                              0                       6                  FIXED                         N                              Y                                  120                          15                            95                   INVESTOR
        550                     648                   N                                    0                        360                              0                       5                  FIXED                         N                              Y                                  120                          10                            90                   OWNER OCCUPIED
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     295.11                     716                   Y                                  326                        180                              0                       5                  FIXED                         Y                              N                                    0                       14.96                         94.93                   INVESTOR
     168.96                     729                   N                                  355                        180                              0                       5                  FIXED                         Y                              N                                    0                        9.98                         89.97                   INVESTOR
     109.38                     676                   N                                    0                        360                              0                       6                  FIXED                         N                              Y                                  120                       22.27                         94.99                   INVESTOR
     109.38                     676                   N                                    0                        360                              0                       6                  FIXED                         N                              Y                                  120                          25                            95                   INVESTOR
     368.13                     759                   N                                    0                        360                              0                       5                  FIXED                         N                              Y                                  120                          15                            95                   INVESTOR
     140.98                     748                   N                                  355                        180                              0                       5                  FIXED                         Y                              N                                    0                          15                            95                   INVESTOR
     368.13                     759                   N                                    0                        360                              0                       5                  FIXED                         N                              Y                                  120                          15                            95                   INVESTOR
     386.72                     750                   N                                    0                        360                              0                       6                  FIXED                         N                              Y                                  120                          15                            95                   INVESTOR
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     314.17                     687                   Y                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                        9.83                         88.48                   INVESTOR
     162.75                     725                   N                                    0                        360                              0                       5                  FIXED                         N                              Y                                  120                          15                            95                   INVESTOR
     368.13                     759                   N                                    0                        360                              0                       5                  FIXED                         N                              Y                                  120                          15                            95                   INVESTOR
      239.9                     704                   N                                    0                        360                              0                       5                  FIXED                         N                              Y                                  120                          10                            90                   INVESTOR
     125.71                     686                   N                                  355                        180                              0                       5                  FIXED                         Y                              N                                    0                        8.74                         88.74                   INVESTOR
     722.91                     789                   Y                                    0                        360                              0                       6                  FIXED                         N                              Y                                  120                       14.99                         94.99                   INVESTOR
     203.13                     758                   Y                                    0                        360                              0                       5                  FIXED                         N                              Y                                  120                          10                            90                   INVESTOR
     203.13                     758                   Y                                    0                        360                              0                       5                  FIXED                         N                              Y                                  120                          10                            90                   INVESTOR
     458.33                     703                   N                                    0                        360                              0                       5                  FIXED                         N                              Y                                  120                          10                            90                   OWNER OCCUPIED
     404.19                     746                   N                                    0                        360                              0                       5                  FIXED                         N                              Y                                  120                       14.99                         94.99                   INVESTOR
     190.13                     731                   Y                                    0                        360                              0                       5                  FIXED                         N                              Y                                  120                          10                            90                   OWNER OCCUPIED
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     219.97                     720                   Y                                  354                        180                              0                       5                  FIXED                         Y                              N                                    0                       14.96                         94.92                   INVESTOR
     167.24                     699                   N                                    0                        360                              0                       5                  FIXED                         N                              Y                                  120                       14.96                         94.96                   INVESTOR
     274.11                     718                   Y                                    0                        360                              0                       6                  FIXED                         N                              Y                                  120                       14.97                         94.97                   INVESTOR
     105.75                     744                   Y                                    0                        360                              0                       5                  FIXED                         N                              Y                                  120                          15                            95                   INVESTOR
     599.69                     653                   N                                    0                        360                              0                       5                  FIXED                         N                              Y                                  120                          15                            95                   INVESTOR
     247.57                     776                   Y                                  356                        180                              0                       4                  FIXED                         Y                              N                                    0                          10                            90                   INVESTOR
     231.59                     683                   N                                  355                        180                              0                       5                  FIXED                         Y                              N                                    0                       14.97                         94.97                   INVESTOR
     223.22                     746                   N                                  325                        180                              0                       4                  FIXED                         Y                              N                                    0                          10                            90                   INVESTOR
     221.15                     714                   N                                  356                        180                              0                       4                  FIXED                         Y                              N                                    0                          10                            90                   INVESTOR
     316.67                     731                   N                                    0                        360                              0                       5                  FIXED                         N                              Y                                  120                          10                            90                   OWNER OCCUPIED
     105.76                     651                   Y                                  356                        180                              0                       4                  FIXED                         Y                              N                                    0                       15.38                         94.62                   INVESTOR
     404.17                     752                   N                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                          10                            90                   OWNER OCCUPIED
     254.96                     692                   N                                  355                        180                              0                       5                  FIXED                         Y                              N                                    0                          15                            95                   INVESTOR
     208.15                     681                   N                                    0                        360                              0                       5                  FIXED                         N                              Y                                  120                       14.98                         94.97                   INVESTOR
     304.17                     709                   N                                    0                        360                              0                       5                  FIXED                         N                              Y                                  120                          10                            90                   OWNER OCCUPIED
     290.63                     671                   N                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                          10                            90                   OWNER OCCUPIED
     189.02                     707                   N                                  175                        180                              0                       5                  FIXED                         N                              N                                    0                          10                            90                   INVESTOR
     428.75                     717                   Y                                    0                        360                              0                       5                  FIXED                         N                              Y                                  120                          15                            95                   INVESTOR
     413.44                     717                   Y                                    0                        360                              0                       5                  FIXED                         N                              Y                                  120                          15                            95                   INVESTOR
     445.25                     685                   Y                                    0                        360                              0                       6                  FIXED                         N                              Y                                  120                          15                            95                   INVESTOR
     171.32                     752                   N                                  356                        180                              0                       4                  FIXED                         Y                              N                                    0                        9.98                         89.93                   INVESTOR
     494.17                     716                   N                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                       14.94                         89.94                   OWNER OCCUPIED
     252.08                     802                   N                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                          10                            90                   INVESTOR
     174.29                     816                   N                                    0                        180                              0                       5                  FIXED                         N                              Y                                   60                          10                            90                   INVESTOR
    1164.58                     710                   N                                    0                        180                              0                       5                  FIXED                         N                              Y                                   60                       13.27                         79.59                   INVESTOR
        605                     651                   Y                                    0                        360                              0                       5                  FIXED                         N                              Y                                  120                          10                            90                   OWNER OCCUPIED
     444.58                     686                   N                                    0                        180                              0                       5                  FIXED                         N                              Y                                   60                          10                            90                   OWNER OCCUPIED
     113.17                     717                   Y                                    0                        360                              0                       5                  FIXED                         N                              Y                                  120                       14.95                         94.93                   INVESTOR
     255.31                     670                   N                                    0                        360                              0                       5                  FIXED                         N                              Y                                  120                        8.91                         88.91                   OWNER OCCUPIED
     326.56                     766                   Y                                    0                        360                              0                       5                  FIXED                         N                              Y                                  120                          15                            95                   INVESTOR
     311.67                     658                   N                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                          10                            90                   OWNER OCCUPIED
        375                     750                   Y                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                          10                            90                   INVESTOR
     175.27                     692                   Y                                  354                        180                              0                       6                  FIXED                         Y                              N                                    0                       14.96                         94.96                   INVESTOR
     454.69                     689                   N                                    0                        360                              0                       5                  FIXED                         N                              Y                                  120                          15                            95                   INVESTOR
     367.19                     645                   Y                                    0                        360                              0                       5                  FIXED                         N                              Y                                  120                          10                            90                   OWNER OCCUPIED
     104.17                     739                   N                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                        12.5                         83.75                   INVESTOR
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     108.33                     739                   N                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                        4.74                         84.27                   INVESTOR
     257.58                     745                   N                                    0                        360                              0                       5                  FIXED                         N                              Y                                  120                          20                         89.98                   INVESTOR
     360.75                     698                   N                                    0                        360                              0                       5                  FIXED                         N                              Y                                  120                          15                            95                   INVESTOR
     406.72                     762                   N                                    0                        360                              0                       5                  FIXED                         N                              Y                                  120                       15.01                            95                   INVESTOR
     406.72                     762                   N                                    0                        360                              0                       5                  FIXED                         N                              Y                                  120                       15.01                            95                   INVESTOR
     646.88                     670                   N                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                        9.52                         89.52                   OWNER OCCUPIED
      335.3                     712                   N                                  175                        180                              0                       5                  FIXED                         N                              N                                    0                          10                            90                   INVESTOR
      83.33                     785                   N                                    0                        360                              0                       5                  FIXED                         N                              Y                                  120                       10.99                            90                   INVESTOR
     144.31                     698                   N                                  356                        180                              0                       4                  FIXED                         Y                              N                                    0                       14.91                         94.88                   INVESTOR
     144.31                     698                   N                                  356                        180                              0                       4                  FIXED                         Y                              N                                    0                       14.91                         94.88                   INVESTOR
     651.35                     720                   N                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                          10                            90                   OWNER OCCUPIED
     235.45                     648                   N                                  172                        180                              0                       5                  FIXED                         N                              N                                    0                          10                            90                   OWNER OCCUPIED
     225.63                     713                   N                                    0                        360                              0                       5                  FIXED                         N                              Y                                  120                          15                            95                   INVESTOR
     519.36                     682                   Y                                  356                        180                              0                       5                  FIXED                         Y                              N                                    0                          10                            90                   OWNER OCCUPIED
     117.61                     696                   Y                                  176                        180                              0                       4                  FIXED                         N                              N                                    0                       20.41                          94.9                   INVESTOR
     582.08                     698                   N                                    0                        360                              0                       5                  FIXED                         N                              Y                                  120                          10                            90                   OWNER OCCUPIED
     120.12                     691                   Y                                  327                        180                              0                       5                  FIXED                         Y                              N                                    0                       14.99                         94.96                   INVESTOR
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     284.38                     778                   N                                    0                        360                              0                       5                  FIXED                         N                              Y                                  120                          15                            95                   INVESTOR
     195.94                     685                   N                                    0                        360                              0                       3                  FIXED                         N                              Y                                  120                       15.01                            95                   INVESTOR
        340                     752                   Y                                    0                        360                              0                       5                  FIXED                         N                              Y                                  120                          10                            90                   INVESTOR
      149.6                     679                   N                                    0                        360                              0                       3                  FIXED                         N                              Y                                  120                          10                            90                   SECOND HOME
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     285.77                     723                   Y                                    0                        180                              0                       6                  FIXED                         N                              Y                                   60                       14.98                         94.98                   INVESTOR
     303.69                     723                   Y                                    0                        180                              0                       6                  FIXED                         N                              Y                                   60                          15                            95                   INVESTOR
     111.15                     678                   N                                    0                        360                              0                       5                  FIXED                         N                              Y                                  120                          20                            95                   INVESTOR
     311.67                     788                   Y                                    0                        360                              0                       3                  FIXED                         N                              Y                                  120                          10                            90                   INVESTOR
     290.63                     665                   N                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                          10                            90                   OWNER OCCUPIED
     439.38                     732                   Y                                    0                        360                              0                       5                  FIXED                         N                              Y                                  120                        8.41                         88.41                   OWNER OCCUPIED
     983.65                     745                   Y                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                       14.99                         94.99                   INVESTOR
     166.37                     704                   N                                  355                        180                              0                       5                  FIXED                         Y                              N                                    0                       14.96                         94.92                   INVESTOR
     431.46                     757                   N                                    0                        360                              0                       5                  FIXED                         N                              Y                                  120                       14.98                         94.98                   INVESTOR
     427.08                     683                   N                                    0                        360                              0                       5                  FIXED                         N                              Y                                  120                       17.86                         89.29                   OWNER OCCUPIED
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     121.71                     691                   Y                                    0                        360                              0                       3                  FIXED                         N                              Y                                  120                        9.99                         89.93                   SECOND HOME
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     350.73                     700                   Y                                    0                        360                              0                       5                  FIXED                         N                              Y                                  120                          10                            90                   OWNER OCCUPIED
     307.08                     768                   Y                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                          10                            90                   INVESTOR
     270.42                     681                   Y                                    0                        360                              0                       5                  FIXED                         N                              Y                                  120                          10                            90                   OWNER OCCUPIED
     392.06                     689                   Y                                    0                        360                              0                       3                  FIXED                         N                              Y                                  120                          10                            90                   OWNER OCCUPIED
     483.96                     677                   Y                                    0                        360                              0                       5                  FIXED                         N                              Y                                  120                          10                            90                   INVESTOR
     360.94                     712                   N                                    0                        360                              0                       5                  FIXED                         N                              Y                                  120                          10                            90                   INVESTOR
     361.32                     666                   N                                  356                        180                              0                       4                  FIXED                         Y                              N                                    0                          10                            90                   OWNER OCCUPIED
     148.83                     753                   N                                    0                        360                              0                       5                  FIXED                         N                              Y                                  120                          10                            90                   INVESTOR
     210.27                     698                   N                                  175                        180                              0                       5                  FIXED                         N                              N                                    0                          10                            90                   INVESTOR
      139.3                     697                   N                                  282                        180                              0                       5                  FIXED                         Y                              N                                    0                        9.99                         89.98                   INVESTOR
     295.31                     712                   N                                    0                        360                              0                       5                  FIXED                         N                              Y                                  120                          10                            90                   INVESTOR
     680.42                     661                   N                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                       10.01                         89.99                   OWNER OCCUPIED
     131.54                     711                   N                                    0                        360                              0                       5                  FIXED                         N                              Y                                  120                          10                            90                   INVESTOR
     546.25                     664                   N                                    0                        360                              0                       5                  FIXED                         N                              Y                                  120                       10.92                         89.72                   OWNER OCCUPIED
      166.3                     697                   N                                    0                        360                              0                       5                  FIXED                         N                              Y                                  120                       14.92                          94.9                   INVESTOR
     314.17                     697                   N                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                          10                            90                   INVESTOR
     264.38                     644                   N                                    0                        360                              0                       5                  FIXED                         N                              Y                                  120                          10                            90                   OWNER OCCUPIED
     300.75                     752                   N                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                          10                            90                   OWNER OCCUPIED
     306.38                     723                   Y                                    0                        180                              0                       6                  FIXED                         N                              Y                                   60                          15                            95                   INVESTOR
      398.9                     689                   N                                    0                        180                              0                       5                  FIXED                         N                              Y                                   60                        9.99                         89.99                   OWNER OCCUPIED
     388.65                     713                   N                                    0                        360                              0                       5                  FIXED                         N                              Y                                  120                       10.45                            90                   OWNER OCCUPIED
     295.04                     738                   N                                  115                        120                              0                       5                  FIXED                         N                              N                                    0                          10                         89.95                   INVESTOR
     573.96                     682                   N                                    0                        360                              0                       5                  FIXED                         N                              Y                                  120                          10                            90                   INVESTOR
        206                     753                   N                                    0                        360                              0                       5                  FIXED                         N                              Y                                  120                          10                            90                   INVESTOR
     158.69                     768                   Y                                  356                        180                              0                       4                  FIXED                         Y                              N                                    0                        9.99                         89.98                   INVESTOR
        875                     699                   Y                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                          10                            90                   OWNER OCCUPIED
     106.88                     747                   Y                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                        14.9                          94.9                   INVESTOR
     183.33                     715                   N                                    0                        360                              0                       5                  FIXED                         N                              Y                                  120                        9.39                         84.51                   INVESTOR
      148.5                     787                   Y                                    0                        360                              0                       5                  FIXED                         N                              Y                                  120                        9.98                         89.97                   INVESTOR
     121.35                     772                   N                                  355                        180                              0                       5                  FIXED                         Y                              N                                    0                          10                            90                   INVESTOR
     333.13                     727                   N                                    0                        360                              0                       5                  FIXED                         N                              Y                                  120                          10                            90                   OWNER OCCUPIED
     289.42                     786                   Y                                    0                        360                              0                       5                  FIXED                         N                              Y                                  120                       14.95                         94.91                   INVESTOR
     268.33                     786                   Y                                    0                        360                              0                       5                  FIXED                         N                              Y                                  120                       14.97                         94.93                   INVESTOR
     216.75                     714                   Y                                    0                        360                              0                       5                  FIXED                         N                              Y                                  120                          15                            95                   INVESTOR
     652.29                     677                   Y                                    0                        180                              0                       4                  FIXED                         N                              Y                                   60                       10.33                            90                   OWNER OCCUPIED
      101.9                     681                   Y                                  356                        180                              0                       4                  FIXED                         Y                              N                                    0                       21.98                         94.95                   INVESTOR
      562.5                     746                   N                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                          10                            90                   INVESTOR
     125.98                     705                   Y                                  353                        180                              0                       4                  FIXED                         Y                              N                                    0                          15                            95                   INVESTOR
     333.33                     702                   N                                    0                        360                              0                       5                  FIXED                         N                              Y                                  120                        9.88                         88.89                   OWNER OCCUPIED
     277.23                     663                   N                                  355                        180                              0                       5                  FIXED                         Y                              N                                    0                        6.38                         86.38                   OWNER OCCUPIED
     219.66                     731                   N                                    0                        360                              0                       5                  FIXED                         N                              Y                                  120                       14.95                         94.95                   INVESTOR
     131.71                     700                   N                                  355                        180                              0                       5                  FIXED                         Y                              N                                    0                          10                            90                   INVESTOR
     434.25                     773                   N                                    0                        360                              0                       5                  FIXED                         N                              Y                                  120                        9.98                         89.97                   OWNER OCCUPIED
     229.14                     694                   N                                  355                        180                              0                       5                  FIXED                         Y                              N                                    0                          10                            90                   INVESTOR
     435.73                     690                   N                                    0                        360                              0                       5                  FIXED                         N                              Y                                  120                          10                            90                   OWNER OCCUPIED
     166.97                     713                   Y                                  175                        180                              0                       4                  FIXED                         N                              N                                    0                        9.38                         89.38                   INVESTOR
     246.26                     706                   Y                                  340                        180                              0                       5                  FIXED                         Y                              N                                    0                       14.99                         94.99                   INVESTOR
     106.95                     792                   N                                  356                        180                              0                       4                  FIXED                         Y                              N                                    0                        9.91                         89.87                   INVESTOR
     106.95                     792                   N                                  356                        180                              0                       4                  FIXED                         Y                              N                                    0                        9.91                         89.87                   INVESTOR
     147.55                     792                   N                                  356                        180                              0                       4                  FIXED                         Y                              N                                    0                        9.94                         89.93                   INVESTOR
      294.5                     751                   N                                    0                        360                              0                       5                  FIXED                         N                              Y                                  120                       14.98                         94.98                   INVESTOR
     280.31                     706                   Y                                    0                        360                              0                       5                  FIXED                         N                              Y                                  120                        9.97                         89.95                   INVESTOR
      450.4                     721                   N                                  355                        180                              0                       5                  FIXED                         Y                              N                                    0                       14.98                         94.98                   INVESTOR
     210.27                     703                   N                                  174                        180                              0                       5                  FIXED                         N                              N                                    0                          10                            90                   INVESTOR
     292.27                     719                   Y                                  355                        180                              0                       5                  FIXED                         Y                              N                                    0                       14.97                         94.98                   INVESTOR
        723                     684                   Y                                    0                        360                              0                       5                  FIXED                         N                              Y                                  120                        9.99                         89.99                   OWNER OCCUPIED
     144.26                     762                   Y                                  355                        180                              0                       5                  FIXED                         Y                              N                                    0                          10                         89.98                   INVESTOR
     484.38                     707                   N                                    0                        360                              0                       5                  FIXED                         N                              Y                                  120                        9.57                         89.57                   OWNER OCCUPIED
     193.23                     719                   Y                                  355                        180                              0                       5                  FIXED                         Y                              N                                    0                          15                            95                   INVESTOR
     362.29                     714                   N                                    0                        180                              0                       5                  FIXED                         N                              Y                                   60                        7.77                         87.77                   OWNER OCCUPIED
      96.25                     762                   N                                    0                        360                              0                       5                  FIXED                         N                              Y                                  120                          10                            90                   INVESTOR
     181.98                     762                   Y                                  355                        180                              0                       5                  FIXED                         Y                              N                                    0                        9.96                         89.96                   INVESTOR
     170.66                     762                   Y                                  355                        180                              0                       5                  FIXED                         Y                              N                                    0                        9.97                         89.95                   INVESTOR
     121.63                     762                   N                                  355                        180                              0                       5                  FIXED                         Y                              N                                    0                          10                         89.96                   INVESTOR
     101.04                     675                   N                                    0                        360                              0                       5                  FIXED                         N                              Y                                  120                       15.38                            95                   INVESTOR
     135.42                     676                   N                                    0                        360                              0                       5                  FIXED                         N                              Y                                  120                          10                            90                   INVESTOR
        550                     642                   Y                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                          10                            90                   OWNER OCCUPIED
         75                     720                   N                                    0                        180                              0                       5                  FIXED                         N                              Y                                   60                           5                            85                   OWNER OCCUPIED
      262.5                     660                   N                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                          10                            90                   OWNER OCCUPIED
        510                     749                   N                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                          10                            90                   OWNER OCCUPIED
     379.44                     750                   N                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                          10                            90                   OWNER OCCUPIED
     227.81                     661                   N                                    0                        360                              0                       5                  FIXED                         N                              Y                                  120                          10                            90                   OWNER OCCUPIED
        342                     724                   Y                                    0                        360                              0                       5                  FIXED                         N                              Y                                  120                          20                            90                   INVESTOR
     207.81                     807                   N                                    0                        360                              0                       5                  FIXED                         N                              Y                                  120                        9.98                         89.98                   OWNER OCCUPIED
     265.42                     680                   Y                                    0                        360                              0                       5                  FIXED                         N                              Y                                  120                          10                            90                   INVESTOR
     152.09                     701                   N                                    0                        360                              0                       5                  FIXED                         N                              Y                                  120                       14.97                         94.95                   INVESTOR
     364.38                     680                   Y                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                          10                            90                   INVESTOR
     249.17                     680                   Y                                    0                        360                              0                       5                  FIXED                         N                              Y                                  120                          10                            90                   INVESTOR
     216.67                     752                   N                                    0                        360                              0                       5                  FIXED                         N                              Y                                  120                          10                            90                   OWNER OCCUPIED
     339.51                     708                   N                                  174                        180                              0                       5                  FIXED                         N                              N                                    0                          10                            90                   INVESTOR
     338.04                     708                   Y                                    0                        360                              0                       5                  FIXED                         N                              Y                                  120                       14.98                         89.98                   OWNER OCCUPIED
      421.1                     681                   N                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                        8.98                         88.98                   OWNER OCCUPIED
     200.73                     768                   Y                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                           5                            85                   INVESTOR
     468.75                     672                   Y                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                          10                            90                   OWNER OCCUPIED
     247.04                     697                   Y                                    0                        360                              0                       5                  FIXED                         N                              Y                                  120                        8.23                         88.23                   INVESTOR
     323.43                     675                   N                                  356                        180                              0                       4                  FIXED                         Y                              N                                    0                          10                            90                   OWNER OCCUPIED
     672.03                     663                   Y                                    0                        180                              0                       4                  FIXED                         N                              Y                                   60                          10                            90                   OWNER OCCUPIED
     109.08                     745                   N                                    0                        360                              0                       5                  FIXED                         N                              Y                                  120                          10                            90                   INVESTOR
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     395.83                     778                   N                                    0                        180                              0                       5                  FIXED                         N                              Y                                   60                        9.09                         89.09                   INVESTOR
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        555                     719                   Y                                    0                        180                              0                       3                  FIXED                         N                              Y                                   60                          10                         84.96                   INVESTOR
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      93.75                     706                   N                                    0                        360                              0                       3                  FIXED                         N                              Y                                  120                          13                         89.99                   INVESTOR
     182.95                     666                   N                                  355                        180                              0                       5                  FIXED                         Y                              N                                    0                          10                            90                   OWNER OCCUPIED
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     476.67                     742                   N                                    0                        360                              0                       5                  FIXED                         N                              Y                                  120                          10                            90                   INVESTOR
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     380.42                     680                   N                                    0                        360                              0                       5                  FIXED                         N                              Y                                  120                          10                            90                   OWNER OCCUPIED
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     229.73                     746                   Y                                  175                        180                              0                       5                  FIXED                         N                              N                                    0                        9.95                          89.9                   INVESTOR
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    1324.94                     675                   Y                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                       14.99                            90                   OWNER OCCUPIED
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     191.02                     695                   Y                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                        9.97                         89.97                   INVESTOR
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     132.19                     774                   Y                                    0                        360                              0                       5                  FIXED                         N                              Y                                  120                          15                            90                   INVESTOR
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        230                     760                   Y                                    0                        360                              0                       3                  FIXED                         N                              Y                                  120                          10                            90                   INVESTOR
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     916.67                     729                   Y                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                          20                            90                   INVESTOR
     657.71                     680                   N                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                          10                            90                   OWNER OCCUPIED
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     941.41                     756                   N                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                          15                         89.99                   OWNER OCCUPIED
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     529.58                     691                   Y                                    0                        360                              0                       5                  FIXED                         N                              Y                                  120                          10                            90                   OWNER OCCUPIED
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     481.77                     704                   Y                                    0                        360                              0                       5                  FIXED                         N                              Y                                  120                          10                            90                   OWNER OCCUPIED
      318.5                     801                   Y                                    0                        360                              0                       5                  FIXED                         N                              Y                                  120                          15                            95                   INVESTOR
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     458.33                     714                   Y                                    0                        360                              0                       5                  FIXED                         N                              Y                                  120                        9.26                         83.33                   INVESTOR
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     381.88                     725                   N                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                          15                            90                   INVESTOR
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     310.75                     651                   N                                    0                        360                              0                       5                  FIXED                         N                              Y                                  120                        9.99                         89.99                   OWNER OCCUPIED
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     217.38                     759                   N                                    0                        360                              0                       5                  FIXED                         N                              Y                                  120                        9.97                         89.96                   INVESTOR
     224.58                     681                   Y                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                        8.15                         88.15                   INVESTOR
     263.72                     700                   N                                    0                        360                              0                       5                  FIXED                         N                              Y                                  120                       15.01                            95                   INVESTOR
      138.4                     785                   Y                                    0                        180                              0                       4                  FIXED                         N                              Y                                   60                        9.97                         89.97                   INVESTOR
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      687.7                     689                   N                                    0                        360                              0                       5                  FIXED                         N                              Y                                  120                          10                            90                   INVESTOR
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     353.44                     722                   N                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                          10                            90                   OWNER OCCUPIED
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     572.81                     727                   Y                                    0                        360                              0                       5                  FIXED                         N                              Y                                  120                          15                            90                   INVESTOR
        195                     805                   N                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                          10                            90                   INVESTOR
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     241.67                     707                   N                                    0                        360                              0                       2                  FIXED                         N                              Y                                  120                          10                            90                   OWNER OCCUPIED
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     427.08                     677                   N                                    0                        360                              0                       5                  FIXED                         N                              Y                                  120                        9.09                         89.09                   OWNER OCCUPIED
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     191.98                     816                   Y                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                       10.01                            90                   INVESTOR
     285.47                     698                   N                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                          15                            95                   INVESTOR
        253                     757                   Y                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                          10                            90                   INVESTOR
      422.5                     739                   N                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                          10                            90                   OWNER OCCUPIED
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     313.54                     717                   Y                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                          10                            90                   OWNER OCCUPIED
     381.36                     667                   N                                  175                        180                              0                       5                  FIXED                         N                              N                                    0                          10                            90                   OWNER OCCUPIED
     127.27                     744                   N                                    0                        360                              0                       5                  FIXED                         N                              Y                                  120                          10                         89.98                   INVESTOR
     331.88                     770                   Y                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                          10                            90                   INVESTOR
     666.25                     687                   Y                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                        9.75                         88.75                   OWNER OCCUPIED
      427.5                     733                   Y                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                          10                            90                   OWNER OCCUPIED
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     442.75                     685                   Y                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                          10                            90                   OWNER OCCUPIED
     965.74                     758                   Y                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                       12.48                         84.99                   SECOND HOME
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     239.88                     802                   N                                    0                        360                              0                       5                  FIXED                         N                              Y                                  120                        5.01                         85.01                   SECOND HOME
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     216.13                     781                   Y                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                          15                            95                   INVESTOR
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     169.58                     710                   N                                  356                        180                              0                       4                  FIXED                         Y                              N                                    0                       14.99                         94.96                   INVESTOR
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      91.67                     730                   N                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                       10.53                            90                   INVESTOR
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        200                     713                   Y                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                          10                            90                   OWNER OCCUPIED
     407.92                     694                   N                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                          10                            90                   OWNER OCCUPIED
      562.5                     757                   Y                                    0                        360                              0                       3                  FIXED                         N                              Y                                  120                          10                            90                   OWNER OCCUPIED
     435.73                     705                   Y                                  356                        180                              0                       4                  FIXED                         Y                              N                                    0                          10                            90                   INVESTOR
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     169.75                     747                   Y                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                          15                            95                   INVESTOR
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     438.79                     705                   Y                                  356                        180                              0                       4                  FIXED                         Y                              N                                    0                        9.98                         89.82                   OWNER OCCUPIED
     186.88                     754                   N                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                        6.15                          86.1                   OWNER OCCUPIED
     182.08                     736                   Y                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                        9.98                         89.96                   INVESTOR
     156.67                     744                   Y                                    0                        360                              0                       2                  FIXED                         N                              Y                                  120                          10                            90                   INVESTOR
     421.82                     697                   N                                    0                        180                              0                       4                  FIXED                         N                              Y                                   60                          10                            90                   OWNER OCCUPIED
     379.69                     684                   N                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                          10                            90                   OWNER OCCUPIED
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     916.67                     721                   Y                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                       14.49                         86.96                   INVESTOR
     300.09                     773                   Y                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                          15                            95                   INVESTOR
     179.17                     680                   Y                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                        3.28                         83.28                   OWNER OCCUPIED
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     306.25                     702                   Y                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                       14.78                         88.67                   INVESTOR
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     324.58                     722                   Y                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                          10                            90                   INVESTOR
      697.5                     724                   Y                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                        9.89                         89.89                   OWNER OCCUPIED
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     458.33                     718                   Y                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                          10                            90                   OWNER OCCUPIED
     365.41                     685                   Y                                  356                        180                              0                       4                  FIXED                         Y                              N                                    0                          10                            90                   SECOND HOME
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     400.78                     781                   N                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                          15                            95                   INVESTOR
      229.5                     770                   N                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                          10                            90                   INVESTOR
     207.19                     758                   Y                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                          10                            90                   INVESTOR
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     490.42                     786                   Y                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                          10                            90                   INVESTOR
      181.5                     705                   N                                    0                        180                              0                       4                  FIXED                         N                              Y                                   60                       14.98                         94.98                   INVESTOR
     200.73                     678                   N                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                          10                            90                   INVESTOR
     363.75                     750                   N                                    0                        360                              0                       3                  FIXED                         N                              Y                                  120                          10                            90                   INVESTOR
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     302.08                     713                   N                                    0                        360                              0                       3                  FIXED                         N                              Y                                  120                          10                            90                   INVESTOR
    1002.66                     757                   N                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                          15                            90                   INVESTOR
     340.42                     784                   N                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                        9.87                         88.83                   OWNER OCCUPIED
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     267.19                     727                   Y                                    0                        360                              0                       3                  FIXED                         N                              Y                                  120                          10                            90                   INVESTOR
     267.19                     727                   Y                                    0                        360                              0                       3                  FIXED                         N                              Y                                  120                          10                            90                   INVESTOR
    2104.17                     727                   Y                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                       21.98                         87.01                   INVESTOR
     154.77                     681                   N                                  177                        180                              0                       3                  FIXED                         N                              N                                    0                          10                            90                   OWNER OCCUPIED
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     253.61                     692                   N                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                       15.59                            95                   INVESTOR
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     346.88                     674                   Y                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                          10                            90                   OWNER OCCUPIED
      426.4                     813                   Y                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                          10                            90                   INVESTOR
     366.67                     697                   N                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                          10                            90                   OWNER OCCUPIED
     165.88                     691                   N                                  176                        180                              0                       4                  FIXED                         N                              N                                    0                        9.96                         89.97                   INVESTOR
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     164.83                     791                   N                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                       14.97                         94.95                   INVESTOR
     229.97                     748                   Y                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                       14.97                         94.95                   INVESTOR
     229.97                     748                   Y                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                       14.97                         94.95                   INVESTOR
     154.51                     779                   N                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                       14.95                         94.95                   INVESTOR
     294.18                     731                   N                                  356                        180                              0                       4                  FIXED                         Y                              N                                    0                        9.98                         89.98                   INVESTOR
     426.56                     678                   N                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                          10                            90                   OWNER OCCUPIED
     609.38                     743                   Y                                    0                        360                              0                       3                  FIXED                         N                              Y                                  120                          10                            90                   OWNER OCCUPIED
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     325.14                     735                   N                                    0                        180                              0                       4                  FIXED                         N                              Y                                   60                          10                            90                   INVESTOR
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     349.13                     732                   N                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                        9.98                         89.97                   SECOND HOME
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     230.56                     658                   N                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                          10                            90                   OWNER OCCUPIED
     156.67                     720                   N                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                         6.2                          86.2                   INVESTOR
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     806.67                     720                   Y                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                          10                            90                   SECOND HOME
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     556.35                     687                   Y                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                          10                            90                   INVESTOR
    1425.78                     713                   N                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                          15                            90                   OWNER OCCUPIED
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     461.04                     688                   N                                  175                        180                              0                       4                  FIXED                         N                              N                                    0                        9.68                         87.14                   OWNER OCCUPIED
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     398.13                     715                   N                                    0                        360                              0                       3                  FIXED                         N                              Y                                  120                          10                            90                   INVESTOR
     457.37                     684                   N                                  356                        180                              0                       4                  FIXED                         Y                              N                                    0                        9.62                         89.62                   OWNER OCCUPIED
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     440.83                     701                   N                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                          10                            90                   OWNER OCCUPIED
     139.04                     756                   Y                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                          10                            90                   INVESTOR
     342.83                     730                   N                                    0                        360                              0                       3                  FIXED                         N                              Y                                  120                          10                            90                   INVESTOR
     597.72                     664                   Y                                  356                        180                              0                       4                  FIXED                         Y                              N                                    0                          15                            95                   INVESTOR
     988.23                     699                   Y                                    0                        360                              0                       3                  FIXED                         N                              Y                                  120                          10                            90                   INVESTOR
     213.69                     757                   N                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                          10                            90                   OWNER OCCUPIED
        375                     663                   N                                    0                        360                              0                       3                  FIXED                         N                              Y                                  120                          10                            90                   OWNER OCCUPIED
     454.85                     703                   N                                  116                        120                              0                       4                  FIXED                         N                              N                                    0                          10                            90                   OWNER OCCUPIED
     258.13                     708                   N                                    0                        360                              0                       3                  FIXED                         N                              Y                                  120                          10                         89.99                   INVESTOR
     646.88                     642                   N                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                        9.99                         89.87                   OWNER OCCUPIED
     153.71                     701                   N                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                        5.11                         85.11                   OWNER OCCUPIED
      137.5                     786                   N                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                          10                            90                   INVESTOR
     275.47                     706                   N                                  176                        180                              0                       4                  FIXED                         N                              N                                    0                       15.04                         94.98                   INVESTOR
        450                     712                   N                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                          10                            90                   OWNER OCCUPIED
      487.5                     801                   N                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                        9.84                         88.53                   OWNER OCCUPIED
     831.25                     706                   N                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                       11.11                         87.14                   OWNER OCCUPIED
        290                     763                   Y                                    0                        360                              0                       3                  FIXED                         N                              Y                                  120                       10.51                         88.41                   INVESTOR
        222                     763                   Y                                    0                        360                              0                       2                  FIXED                         N                              Y                                  120                          10                            90                   INVESTOR
     249.38                     676                   Y                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                          10                            90                   OWNER OCCUPIED
     265.42                     694                   N                                    0                        360                              0                       3                  FIXED                         N                              Y                                  120                          10                            90                   INVESTOR
     910.42                     681                   N                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                       11.88                            90                   OWNER OCCUPIED
        375                     664                   Y                                    0                        360                              0                       3                  FIXED                         N                              Y                                  120                          10                            90                   OWNER OCCUPIED
     296.25                     746                   N                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                        9.98                         89.97                   OWNER OCCUPIED
     516.25                     726                   N                                    0                        360                              0                       3                  FIXED                         N                              Y                                  120                          10                            90                   OWNER OCCUPIED
     178.65                     709                   N                                    0                        360                              0                       3                  FIXED                         N                              Y                                  120                        9.83                         88.48                   INVESTOR
     298.65                     749                   Y                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                          10                            90                   INVESTOR
     560.63                     757                   N                                    0                        180                              0                       4                  FIXED                         N                              Y                                   60                          10                            90                   OWNER OCCUPIED
     198.75                     731                   N                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                          10                            90                   OWNER OCCUPIED
     378.88                     759                   N                                  356                        180                              0                       4                  FIXED                         Y                              N                                    0                          10                            90                   OWNER OCCUPIED
     368.13                     759                   N                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                        9.01                         89.01                   OWNER OCCUPIED
     121.88                     714                   Y                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                          10                            90                   INVESTOR
     312.81                     672                   Y                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                          10                            90                   OWNER OCCUPIED
       93.5                     760                   N                                    0                        360                              0                       3                  FIXED                         N                              Y                                  120                          10                            90                   INVESTOR
     414.71                     705                   N                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                          10                            90                   OWNER OCCUPIED
        580                     701                   N                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                        15.8                         89.88                   OWNER OCCUPIED
     281.88                     695                   Y                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                           6                            86                   OWNER OCCUPIED
     131.98                     711                   Y                                  357                        180                              0                       3                  FIXED                         Y                              N                                    0                          15                            95                   INVESTOR
     413.97                     662                   N                                  116                        120                              0                       4                  FIXED                         N                              N                                    0                          10                            90                   OWNER OCCUPIED
     196.88                     694                   Y                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                          10                            90                   INVESTOR
     315.59                     678                   N                                  356                        180                              0                       4                  FIXED                         Y                              N                                    0                          10                            90                   OWNER OCCUPIED
     446.88                     771                   Y                                    0                        360                              0                       3                  FIXED                         N                              Y                                  120                        9.91                         89.19                   OWNER OCCUPIED
     332.92                     659                   N                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                         9.8                         89.34                   OWNER OCCUPIED
     372.08                     803                   Y                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                       20.01                         89.97                   INVESTOR
     264.17                     705                   N                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                          10                            90                   OWNER OCCUPIED
     680.17                     680                   N                                    0                        360                              0                       3                  FIXED                         N                              Y                                  120                       14.99                         89.99                   OWNER OCCUPIED
     366.67                     743                   N                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                        9.89                         88.99                   OWNER OCCUPIED
     191.67                     779                   N                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                          10                            90                   INVESTOR
     257.56                     724                   N                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                          10                            90                   OWNER OCCUPIED
     207.31                     733                   N                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                          15                            95                   INVESTOR
     224.03                     783                   N                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                          15                            95                   INVESTOR
     730.31                     725                   Y                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                       22.21                            90                   SECOND HOME
     194.85                     743                   Y                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                        9.95                         89.93                   INVESTOR
     402.19                     735                   N                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                          15                            95                   INVESTOR
     167.09                     652                   N                                  356                        180                              0                       4                  FIXED                         Y                              N                                    0                          10                         89.89                   OWNER OCCUPIED
     183.65                     715                   N                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                          10                            90                   OWNER OCCUPIED
      157.6                     758                   N                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                       14.97                         94.95                   INVESTOR
     281.76                     696                   Y                                  352                        180                              0                       4                  FIXED                         Y                              N                                    0                       15.01                            95                   INVESTOR
        550                     802                   Y                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                          10                            90                   INVESTOR
     445.86                     736                   N                                  175                        180                              0                       4                  FIXED                         N                              N                                    0                          10                            90                   INVESTOR
     241.08                     739                   N                                    0                        360                              0                       3                  FIXED                         N                              Y                                  120                        7.09                         86.87                   INVESTOR
     689.25                     704                   N                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                          10                            90                   OWNER OCCUPIED
     323.13                     795                   N                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                          10                            90                   INVESTOR
     505.83                     708                   N                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                          10                            90                   OWNER OCCUPIED
      247.5                     697                   N                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                        9.64                         89.64                   OWNER OCCUPIED
     163.17                     770                   Y                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                          10                            90                   INVESTOR
     257.25                     691                   N                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                          10                            90                   INVESTOR
         75                     707                   N                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                         2.9                          82.9                   OWNER OCCUPIED
     154.42                     774                   N                                    0                        360                              0                       3                  FIXED                         N                              Y                                  120                         3.1                          83.1                   OWNER OCCUPIED
     114.36                     697                   N                                  356                        180                              0                       4                  FIXED                         Y                              N                                    0                        9.95                         89.92                   OWNER OCCUPIED
     211.46                     744                   N                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                          10                            90                   OWNER OCCUPIED
      162.5                     692                   N                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                        8.33                         87.78                   INVESTOR
      367.4                     681                   N                                  357                        180                              0                       3                  FIXED                         Y                              N                                    0                          10                            90                   OWNER OCCUPIED
     161.69                     701                   N                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                        9.99                         89.99                   SECOND HOME
     267.31                     725                   N                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                        9.98                         89.99                   OWNER OCCUPIED
     354.58                     644                   N                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                           5                            85                   OWNER OCCUPIED
     300.83                     770                   Y                                    0                        360                              0                       3                  FIXED                         N                              Y                                  120                         4.9                          84.9                   OWNER OCCUPIED
     297.09                     738                   N                                  356                        180                              0                       4                  FIXED                         Y                              N                                    0                          10                            90                   INVESTOR
     130.81                     736                   N                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                          15                            95                   INVESTOR
     105.63                     746                   N                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                        7.51                         87.51                   OWNER OCCUPIED
        210                     657                   N                                    0                        360                              0                       3                  FIXED                         N                              Y                                  120                          10                            90                   OWNER OCCUPIED
     108.17                     742                   N                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                          10                            90                   INVESTOR
     160.31                     700                   Y                                    0                        360                              0                       3                  FIXED                         N                              Y                                  120                       10.69                         89.13                   INVESTOR
     292.73                     699                   N                                  356                        180                              0                       4                  FIXED                         Y                              N                                    0                       20.71                            95                   INVESTOR
     309.06                     664                   N                                    0                        180                              0                       3                  FIXED                         N                              Y                                   60                          10                            90                   OWNER OCCUPIED
     740.63                     687                   N                                    0                        360                              0                       3                  FIXED                         N                              Y                                  120                        9.73                            80                   OWNER OCCUPIED
     354.99                     642                   N                                  176                        180                              0                       4                  FIXED                         N                              N                                    0                          10                            90                   OWNER OCCUPIED
     118.25                     772                   N                                    0                        180                              0                       4                  FIXED                         N                              Y                                   60                          10                            90                   INVESTOR
      334.5                     729                   N                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                        9.99                         89.99                   OWNER OCCUPIED
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      178.5                     761                   N                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                          10                            90                   SECOND HOME
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     358.85                     695                   Y                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                          10                            90                   INVESTOR
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     155.83                     729                   Y                                    0                        360                              0                       3                  FIXED                         N                              Y                                  120                          10                            90                   INVESTOR
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      95.83                     723                   N                                    0                        360                              0                       3                  FIXED                         N                              Y                                  120                       12.12                            90                   INVESTOR
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     340.63                     794                   Y                                    0                        360                              0                       3                  FIXED                         N                              Y                                  120                          15                            95                   INVESTOR
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     328.42                     707                   Y                                  177                        180                              0                       3                  FIXED                         N                              N                                    0                          10                            90                   INVESTOR
     638.06                     740                   N                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                          20                           100                   OWNER OCCUPIED
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     678.98                     674                   N                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                          15                         94.98                   INVESTOR
     370.31                     675                   N                                    0                        360                              0                       2                  FIXED                         N                              Y                                  120                          10                            90                   OWNER OCCUPIED
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        299                     734                   Y                                    0                        360                              0                       3                  FIXED                         N                              Y                                  120                       19.99                         89.97                   INVESTOR
     910.63                     680                   N                                    0                        360                              0                       3                  FIXED                         N                              Y                                  120                          20                           100                   OWNER OCCUPIED
     190.78                     715                   N                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                          15                            95                   INVESTOR
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     158.48                     680                   Y                                  357                        180                              0                       3                  FIXED                         Y                              N                                    0                          10                            90                   INVESTOR
     769.17                     790                   Y                                  357                        180                              0                       3                  FIXED                         Y                              N                                    0                       24.98                         94.98                   INVESTOR
     596.12                     739                   Y                                  357                        180                              0                       3                  FIXED                         Y                              N                                    0                          15                            95                   INVESTOR
     217.81                     727                   N                                    0                        360                              0                       2                  FIXED                         N                              Y                                  120                          10                            90                   INVESTOR
      696.4                     783                   N                                  177                        180                              0                       3                  FIXED                         N                              N                                    0                          10                            90                   OWNER OCCUPIED
     288.95                     706                   N                                  357                        180                              0                       3                  FIXED                         Y                              N                                    0                       14.95                         94.94                   INVESTOR
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     209.94                     778                   Y                                  357                        180                              0                       3                  FIXED                         Y                              N                                    0                        9.99                         89.98                   INVESTOR
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     470.21                     703                   Y                                    0                        180                              0                       3                  FIXED                         N                              Y                                   60                          10                            90                   OWNER OCCUPIED
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      797.5                     749                   N                                    0                        360                              0                       3                  FIXED                         N                              Y                                  120                          15                            90                   INVESTOR
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     234.68                     776                   N                                  354                        180                              0                       6                  FIXED                         Y                              N                                    0                       14.97                            95                   INVESTOR
     308.27                     731                   N                                  347                        180                              0                       6                  FIXED                         Y                              N                                    0                          15                         94.99                   INVESTOR
     217.77                     773                   N                                  319                        180                              0                       6                  FIXED                         Y                              N                                    0                          10                            90                   INVESTOR
     656.25                     763                   N                                    0                        360                              0                       5                  FIXED                         N                              Y                                  120                          20                            90                   INVESTOR
     458.56                     735                   N                                  354                        180                              0                       6                  FIXED                         Y                              N                                    0                       15.01                            95                   INVESTOR
     294.46                     683                   Y                                  354                        180                              0                       6                  FIXED                         Y                              N                                    0                       14.69                         94.67                   INVESTOR
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     113.88                     791                   N                                  318                        180                              0                       5                  FIXED                         Y                              N                                    0                          10                            90                   SECOND HOME
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     495.63                     726                   N                                    0                        360                              0                       5                  FIXED                         N                              Y                                  120                          10                            90                   OWNER OCCUPIED
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     493.06                     731                   N                                    0                        360                              0                       5                  FIXED                         N                              Y                                  120                          10                            90                   INVESTOR
        525                     682                   N                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                          10                            90                   OWNER OCCUPIED
     312.94                     745                   N                                  175                        180                              0                       5                  FIXED                         N                              N                                    0                          15                            95                   INVESTOR
      192.5                     701                   N                                    0                        360                              0                       5                  FIXED                         N                              Y                                  120                        9.95                         89.95                   INVESTOR
        210                     737                   N                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                       15.01                         89.96                   INVESTOR
     656.04                     683                   N                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                          10                            90                   OWNER OCCUPIED
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     452.54                     755                   N                                  355                        180                              0                       5                  FIXED                         Y                              N                                    0                          10                            90                   INVESTOR
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     347.42                     697                   Y                                  355                        180                              0                       5                  FIXED                         Y                              N                                    0                       14.98                         94.98                   INVESTOR
     567.79                     686                   N                                  356                        180                              0                       4                  FIXED                         Y                              N                                    0                          10                            90                   INVESTOR
     230.88                     684                   Y                                  336                        180                              0                       4                  FIXED                         Y                              N                                    0                          10                            90                   OWNER OCCUPIED
        962                     786                   Y                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                        18.5                          88.5                   INVESTOR
     127.46                     710                   N                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                          10                            90                   INVESTOR
     359.58                     721                   N                                  326                        180                              0                       6                  FIXED                         Y                              N                                    0                          15                         94.99                   INVESTOR
      162.5                     683                   N                                    0                        180                              0                       4                  FIXED                         N                              Y                                   60                         3.3                          83.3                   INVESTOR
     260.66                     754                   N                                  357                        180                              0                       3                  FIXED                         Y                              N                                    0                          10                            90                   OWNER OCCUPIED
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     389.35                     712                   N                                  355                        180                              0                       5                  FIXED                         Y                              N                                    0                          15                         94.98                   INVESTOR
     481.75                     797                   Y                                  355                        180                              0                       5                  FIXED                         Y                              N                                    0                       14.97                         94.95                   INVESTOR
     197.17                     679                   N                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                          10                            90                   INVESTOR
     158.33                     784                   N                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                          10                            90                   INVESTOR
     230.38                     743                   N                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                          10                            90                   OWNER OCCUPIED
     924.85                     697                   Y                                  351                        180                              0                       4                  FIXED                         Y                              N                                    0                       11.21                            90                   OWNER OCCUPIED
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     815.25                     710                   N                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                          15                            95                   INVESTOR
     284.17                     788                   N                                    0                        360                              0                       5                  FIXED                         N                              Y                                  120                          10                            90                   INVESTOR
     306.25                     713                   Y                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                          10                            90                   INVESTOR
     306.25                     713                   Y                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                          10                            90                   INVESTOR
     214.38                     713                   Y                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                           7                            87                   INVESTOR
      89.58                     734                   Y                                    0                        360                              0                       3                  FIXED                         N                              Y                                  120                       17.86                            90                   INVESTOR
      89.58                     734                   Y                                    0                        360                              0                       3                  FIXED                         N                              Y                                  120                       17.86                            90                   INVESTOR
      89.58                     734                   Y                                    0                        360                              0                       3                  FIXED                         N                              Y                                  120                       17.86                            90                   INVESTOR
    1172.66                     701                   N                                    0                        180                              0                       2                  FIXED                         N                              Y                                   60                         9.9                          89.9                   OWNER OCCUPIED
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      91.25                     794                   N                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                           5                            80                   SECOND HOME
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     341.77                     679                   N                                  356                        180                              0                       4                  FIXED                         Y                              N                                    0                          15                            95                   INVESTOR
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      137.5                     677                   Y                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                          10                            90                   SECOND HOME
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     563.75                     771                   Y                                    0                        360                              0                       3                  FIXED                         N                              Y                                  120                          10                            90                   INVESTOR
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     100.94                     765                   Y                                  357                        180                              0                       3                  FIXED                         Y                              N                                    0                       20.85                         95.59                   INVESTOR
        378                     731                   N                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                          12                            90                   OWNER OCCUPIED
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     329.17                     709                   N                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                          10                            90                   OWNER OCCUPIED
     146.25                     679                   N                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                          10                            90                   INVESTOR
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       91.4                     737                   N                                    0                        360                              0                       3                  FIXED                         N                              Y                                  120                        9.94                          89.5                   INVESTOR
      85.42                     787                   N                                    0                        360                              0                       3                  FIXED                         N                              Y                                  120                       10.42                            90                   INVESTOR
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     289.06                     764                   N                                    0                        360                              0                       3                  FIXED                         N                              Y                                  120                           5                            85                   OWNER OCCUPIED
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     417.97                     695                   N                                    0                        180                              0                       3                  FIXED                         N                              Y                                   60                          10                            90                   INVESTOR
     949.99                     757                   N                                  356                        180                              0                       4                  FIXED                         Y                              N                                    0                          15                            90                   SECOND HOME
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        486                     688                   Y                                    0                        360                              0                       3                  FIXED                         N                              Y                                  120                           5                            85                   INVESTOR
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     223.73                     688                   N                                  356                        180                              0                       4                  FIXED                         Y                              N                                    0                          15                            95                   INVESTOR
     516.67                     718                   N                                    0                        360                              0                       2                  FIXED                         N                              Y                                  120                          10                            90                   OWNER OCCUPIED
      96.56                     766                   N                                    0                        180                              0                       3                  FIXED                         N                              Y                                   60                          10                         89.99                   INVESTOR
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     583.12                     700                   N                                  177                        180                              0                       3                  FIXED                         N                              N                                    0                          10                         87.94                   OWNER OCCUPIED
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     317.17                     776                   N                                    0                        360                              0                       3                  FIXED                         N                              Y                                  120                          10                            90                   INVESTOR
     307.08                     776                   N                                    0                        360                              0                       3                  FIXED                         N                              Y                                  120                        9.85                         88.68                   INVESTOR
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     311.75                     680                   Y                                    0                        360                              0                       3                  FIXED                         N                              Y                                  120                          10                            90                   SECOND HOME
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     557.81                     693                   N                                    0                        360                              0                       3                  FIXED                         N                              Y                                  120                          10                            90                   OWNER OCCUPIED
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     311.77                     765                   Y                                    0                        360                              0                       2                  FIXED                         N                              Y                                  120                          10                            90                   SECOND HOME
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     477.48                     718                   Y                                    0                        360                              0                       2                  FIXED                         N                              Y                                  120                          10                            90                   INVESTOR
     555.42                     703                   N                                    0                        360                              0                       2                  FIXED                         N                              Y                                  120                        9.98                         89.86                   OWNER OCCUPIED
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     257.81                     710                   Y                                    0                        360                              0                       6                  FIXED                         N                              Y                                  120                       15.15                         94.49                   INVESTOR
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     453.18                     757                   Y                                    0                        180                              0                       5                  FIXED                         N                              Y                                   60                          10                            90                   SECOND HOME
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     938.18                     726                   N                                  356                        180                              0                       4                  FIXED                         Y                              N                                    0                          10                            90                   OWNER OCCUPIED
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     420.87                     697                   Y                                  357                        180                              0                       3                  FIXED                         Y                              N                                    0                          10                            90                   INVESTOR
     369.08                     740                   Y                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                          10                            90                   OWNER OCCUPIED
      334.9                     706                   N                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                          10                         89.99                   INVESTOR
     484.17                     696                   Y                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                          10                            90                   OWNER OCCUPIED
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     438.95                     692                   Y                                  356                        180                              0                       4                  FIXED                         Y                              N                                    0                          10                            90                   OWNER OCCUPIED
     104.97                     710                   Y                                  356                        180                              0                       4                  FIXED                         Y                              N                                    0                          10                            90                   INVESTOR
     325.83                     716                   N                                    0                        360                              0                       3                  FIXED                         N                              Y                                  120                          10                            90                   INVESTOR
     189.58                     772                   N                                    0                        360                              0                       3                  FIXED                         N                              Y                                  120                          10                            90                   OWNER OCCUPIED
        550                     749                   N                                    0                        360                              0                       3                  FIXED                         N                              Y                                  120                          10                            90                   OWNER OCCUPIED
        375                     673                   Y                                    0                        360                              0                       3                  FIXED                         N                              Y                                  120                        9.88                         88.89                   OWNER OCCUPIED
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     349.38                     723                   Y                                    0                        360                              0                       3                  FIXED                         N                              Y                                  120                          10                            90                   OWNER OCCUPIED
     418.54                     781                   N                                    0                        360                              0                       3                  FIXED                         N                              Y                                  120                         9.8                          88.2                   OWNER OCCUPIED
     656.25                     665                   Y                                    0                        360                              0                       2                  FIXED                         N                              Y                                  120                          10                            90                   OWNER OCCUPIED
     194.25                     665                   N                                  357                        180                              0                       3                  FIXED                         Y                              N                                    0                          10                            90                   INVESTOR
     591.67                     752                   N                                    0                        360                              0                       4                  FIXED                         N                              Y                                  120                          20                           100                   OWNER OCCUPIED
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     714.23                     639                   Y                                  358                        180                              0                       2                  FIXED                         Y                              N                                    0                          20                           100                   OWNER OCCUPIED
     842.34                     668                   Y                                  358                        180                             36                       2                  FIXED                         Y                              N                                    0                          10                            90                   OWNER OCCUPIED
     363.85                     731                   N                                  358                        180                              0                       2                  FIXED                         Y                              N                                    0                          25                           100                   OWNER OCCUPIED
     757.08                     652                   N                                  358                        180                              0                       2                  FIXED                         Y                              N                                    0                          25                           100                   OWNER OCCUPIED
     303.34                     746                   N                                  358                        180                              0                       2                  FIXED                         Y                              N                                    0                       20.01                           100                   OWNER OCCUPIED
     385.09                     705                   N                                  358                        180                             36                       2                  FIXED                         Y                              N                                    0                          20                           100                   OWNER OCCUPIED
     284.84                     713                   N                                  358                        180                             36                       2                  FIXED                         Y                              N                                    0                          20                           100                   OWNER OCCUPIED
     693.28                     720                   N                                  358                        180                              0                       2                  FIXED                         Y                              N                                    0                       21.07                         96.07                   OWNER OCCUPIED
     444.37                     728                   N                                  357                        180                              0                       2                  FIXED                         Y                              N                                    0                       14.99                         94.99                   OWNER OCCUPIED
     924.94                     798                   Y                                  358                        180                             12                       2                  FIXED                         Y                              N                                    0                          10                            90                   OWNER OCCUPIED
    1179.81                     660                   N                                  358                        180                              0                       2                  FIXED                         Y                              N                                    0                       22.06                           100                   OWNER OCCUPIED
     452.22                     669                   N                                  357                        180                             36                       2                  FIXED                         Y                              N                                    0                          20                           100                   OWNER OCCUPIED
     415.14                     625                   N                                  357                        180                              0                       2                  FIXED                         Y                              N                                    0                          20                           100                   OWNER OCCUPIED
     676.47                     628                   N                                  356                        180                             36                       2                  FIXED                         Y                              N                                    0                          25                           100                   OWNER OCCUPIED
     853.34                     640                   N                                  358                        180                              0                       2                  FIXED                         Y                              N                                    0                          20                           100                   OWNER OCCUPIED
     366.17                     625                   N                                  358                        180                             36                       2                  FIXED                         Y                              N                                    0                       20.01                           100                   OWNER OCCUPIED
     219.39                     690                   N                                  358                        180                              0                       2                  FIXED                         Y                              N                                    0                       15.72                            90                   OWNER OCCUPIED
     413.74                     704                   N                                  358                        180                             36                       2                  FIXED                         Y                              N                                    0                       18.18                         93.71                   OWNER OCCUPIED
     249.52                     680                   N                                  358                        180                             36                       2                  FIXED                         Y                              N                                    0                          20                           100                   OWNER OCCUPIED
     395.25                     640                   N                                  358                        180                             36                       2                  FIXED                         Y                              N                                    0                          20                           100                   OWNER OCCUPIED
    1918.19                     768                   Y                                  358                        180                              0                       2                  FIXED                         Y                              N                                    0                          20                           100                   OWNER OCCUPIED
     169.87                     728                   N                                  358                        180                              0                       2                  FIXED                         Y                              N                                    0                          15                            90                   OWNER OCCUPIED
     688.02                     687                   N                                  358                        180                              0                       2                  FIXED                         Y                              N                                    0                          20                           100                   OWNER OCCUPIED
     715.05                     667                   N                                  358                        180                             36                       2                  FIXED                         Y                              N                                    0                          20                           100                   OWNER OCCUPIED
     674.99                     728                   N                                  358                        180                              0                       2                  FIXED                         Y                              N                                    0                          20                           100                   OWNER OCCUPIED
      376.9                     751                   Y                                  357                        180                             12                       2                  FIXED                         Y                              N                                    0                          10                            90                   SECOND HOME
     382.52                     643                   N                                  356                        180                              0                       2                  FIXED                         Y                              N                                    0                          20                           100                   OWNER OCCUPIED
     970.49                     674                   N                                  357                        180                             36                       3                  FIXED                         Y                              N                                    0                          20                           100                   OWNER OCCUPIED
      620.3                     725                   N                                  358                        180                             36                       2                  FIXED                         Y                              N                                    0                       19.98                         99.97                   OWNER OCCUPIED
      474.1                     682                   N                                  358                        180                              0                       2                  FIXED                         Y                              N                                    0                          15                            90                   OWNER OCCUPIED
     511.36                     689                   N                                  358                        180                              0                       2                  FIXED                         Y                              N                                    0                          10                            90                   OWNER OCCUPIED
     413.31                     716                   N                                  358                        180                             36                       2                  FIXED                         Y                              N                                    0                          20                           100                   OWNER OCCUPIED
     479.94                     666                   N                                  358                        180                              0                       2                  FIXED                         Y                              N                                    0                          20                           100                   OWNER OCCUPIED
     196.68                     688                   N                                  357                        180                              0                       2                  FIXED                         Y                              N                                    0                        8.33                         88.33                   OWNER OCCUPIED
     360.84                     695                   N                                  358                        180                             36                       2                  FIXED                         Y                              N                                    0                          10                            90                   OWNER OCCUPIED
     272.36                     711                   N                                  358                        180                             36                       2                  FIXED                         Y                              N                                    0                       23.67                         98.67                   OWNER OCCUPIED
    1266.39                     645                   Y                                  358                        180                              0                       2                  FIXED                         Y                              N                                    0                          15                            95                   OWNER OCCUPIED
     492.86                     710                   N                                  357                        180                             12                       2                  FIXED                         Y                              N                                    0                          10                            90                   OWNER OCCUPIED
    2183.61                     686                   Y                                  358                        180                             36                       2                  FIXED                         Y                              N                                    0                          20                           100                   OWNER OCCUPIED
     433.59                     706                   N                                  358                        180                              0                       2                  FIXED                         Y                              N                                    0                          20                           100                   OWNER OCCUPIED
      642.7                     622                   N                                  357                        180                              0                       2                  FIXED                         Y                              N                                    0                          20                           100                   OWNER OCCUPIED
    1017.38                     677                   N                                  358                        180                              0                       2                  FIXED                         Y                              N                                    0                       24.99                         99.99                   OWNER OCCUPIED
     613.55                     643                   Y                                  358                        180                              0                       2                  FIXED                         Y                              N                                    0                          20                           100                   OWNER OCCUPIED
      390.7                     785                   N                                  358                        180                             36                       2                  FIXED                         Y                              N                                    0                          20                           100                   OWNER OCCUPIED
     531.36                     640                   N                                  358                        180                             36                       2                  FIXED                         Y                              N                                    0                          10                            90                   OWNER OCCUPIED
     317.41                     702                   N                                  358                        180                              0                       2                  FIXED                         Y                              N                                    0                          20                           100                   OWNER OCCUPIED
     544.91                     675                   N                                  358                        180                              0                       2                  FIXED                         Y                              N                                    0                       20.01                           100                   OWNER OCCUPIED
     594.35                     664                   Y                                  358                        180                              0                       2                  FIXED                         Y                              N                                    0                          20                           100                   OWNER OCCUPIED
    1359.77                     700                   N                                  358                        180                              0                       2                  FIXED                         Y                              N                                    0                          25                           100                   OWNER OCCUPIED
     412.99                     672                   N                                  358                        180                             36                       2                  FIXED                         Y                              N                                    0                          20                           100                   OWNER OCCUPIED
    1733.87                     700                   N                                  358                        180                             36                       2                  FIXED                         Y                              N                                    0                          20                           100                   OWNER OCCUPIED
    1090.16                     626                   N                                  358                        180                              0                       2                  FIXED                         Y                              N                                    0                          20                           100                   OWNER OCCUPIED
     239.94                     694                   N                                  358                        180                              0                       2                  FIXED                         Y                              N                                    0                          10                            90                   OWNER OCCUPIED
     729.72                     660                   N                                  358                        180                              0                       2                  FIXED                         Y                              N                                    0                          20                           100                   OWNER OCCUPIED
    1235.76                     702                   N                                  358                        180                              0                       2                  FIXED                         Y                              N                                    0                          20                           100                   OWNER OCCUPIED
     805.01                     663                   N                                  358                        180                             36                       2                  FIXED                         Y                              N                                    0                          20                           100                   OWNER OCCUPIED
     190.02                     757                   Y                                  339                        180                              0                       2                  FIXED                         Y                              N                                    0                        9.26                         85.93                   OWNER OCCUPIED
     994.11                     663                   Y                                  358                        180                              0                       2                  FIXED                         Y                              N                                    0                          20                           100                   OWNER OCCUPIED
     271.67                     624                   N                                  358                        180                              0                       2                  FIXED                         Y                              N                                    0                       13.23                            90                   SECOND HOME
     346.24                     707                   N                                  357                        180                             36                       2                  FIXED                         Y                              N                                    0                          20                           100                   OWNER OCCUPIED
     866.15                     643                   N                                  358                        180                             36                       2                  FIXED                         Y                              N                                    0                          20                           100                   OWNER OCCUPIED
     385.73                     641                   N                                  358                        180                             36                       2                  FIXED                         Y                              N                                    0                       20.01                           100                   OWNER OCCUPIED
     442.42                     710                   N                                  358                        180                             36                       2                  FIXED                         Y                              N                                    0                          20                           100                   OWNER OCCUPIED
     269.96                     653                   N                                  358                        180                             36                       2                  FIXED                         Y                              N                                    0                          15                            85                   OWNER OCCUPIED
      724.2                     741                   N                                  357                        180                              0                       2                  FIXED                         Y                              N                                    0                          20                           100                   OWNER OCCUPIED
     904.07                     694                   N                                  358                        180                              0                       2                  FIXED                         Y                              N                                    0                          20                           100                   OWNER OCCUPIED
      715.3                     730                   Y                                  358                        180                             36                       2                  FIXED                         Y                              N                                    0                          20                           100                   OWNER OCCUPIED
     423.82                     749                   N                                  358                        180                             36                       2                  FIXED                         Y                              N                                    0                          15                            95                   OWNER OCCUPIED
     796.48                     690                   Y                                  355                        360                              0                       5                  FIXED                         N                              N                                    0                          20                           100                   OWNER OCCUPIED
     827.94                     677                   N                                  342                        180                              0                       5                  FIXED                         Y                              N                                    0                          25                           100                   OWNER OCCUPIED
    1827.01                     697                   N                                  356                        360                              0                       4                  FIXED                         N                              N                                    0                          25                           100                   INVESTOR
     656.48                     660                   Y                                  356                        360                              0                       4                  FIXED                         N                              N                                    0                          20                           100                   INVESTOR
     730.83                     723                   N                                  356                        360                              0                       4                  FIXED                         N                              N                                    0                          20                           100                   INVESTOR
    3189.81                     730                   Y                                  356                        180                              6                       3                  FIXED                         Y                              N                                    0                       25.09                           100                   OWNER OCCUPIED
     354.72                     683                   N                                  357                        180                              0                       3                  FIXED                         Y                              N                                    0                          20                           100                   OWNER OCCUPIED
     565.61                     744                   N                                  357                        360                              0                       3                  FIXED                         N                              N                                    0                          20                           100                   INVESTOR
     354.27                     679                   N                                  357                        360                              0                       3                  FIXED                         N                              N                                    0                          20                           100                   INVESTOR
     983.54                     626                   N                                  353                        180                              0                       7                  FIXED                         Y                              N                                    0                          15                            95                   OWNER OCCUPIED
     993.82                     777                   Y                                  357                        180                              0                       3                  FIXED                         Y                              N                                    0                          20                           100                   INVESTOR
    1268.97                     757                   N                                  323                        180                              0                       3                  FIXED                         Y                              N                                    0                          10                         89.94                   OWNER OCCUPIED
      629.6                     772                   N                                  357                        360                             24                       3                  FIXED                         N                              N                                    0                          20                           100                   INVESTOR
     280.16                     776                   N                                  358                        180                              0                       2                  FIXED                         Y                              N                                    0                          15                            95                   INVESTOR
    1056.59                     667                   N                                  357                        360                              0                       3                  FIXED                         N                              N                                    0                          15                            95                   OWNER OCCUPIED
     690.97                     726                   N                                  356                        360                              0                       3                  FIXED                         N                              N                                    0                          20                           100                   INVESTOR
     284.63                     743                   N                                  358                        360                              0                       2                  FIXED                         N                              N                                    0                          20                           100                   INVESTOR
      585.5                     702                   N                                  357                        360                              0                       3                  FIXED                         N                              N                                    0                          25                            95                   INVESTOR
     716.02                     720                   N                                  358                        360                              0                       2                  FIXED                         N                              N                                    0                          20                           100                   INVESTOR
     106.84                     786                   N                                  357                        180                              0                       3                  FIXED                         Y                              N                                    0                          10                            90                   OWNER OCCUPIED
     412.77                     725                   Y                                  358                        360                              0                       2                  FIXED                         N                              N                                    0                          20                           100                   INVESTOR
     442.56                     768                   N                                  358                        360                              0                       2                  FIXED                         N                              N                                    0                          20                           100                   INVESTOR
     488.66                     811                   N                                  358                        180                              0                       2                  FIXED                         Y                              N                                    0                          20                           100                   INVESTOR
     887.11                     702                   Y                                  357                        180                              0                       3                  FIXED                         Y                              N                                    0                          20                           100                   INVESTOR
     412.17                     664                   N                                  358                        180                              0                       2                  FIXED                         Y                              N                                    0                          20                           100                   OWNER OCCUPIED
     809.23                     724                   N                                  356                        360                              0                       4                  FIXED                         N                              N                                    0                          25                           100                   OWNER OCCUPIED
     505.03                     660                   N                                  358                        360                             36                       2                  FIXED                         N                              N                                    0                          20                           100                   INVESTOR
     157.91                     741                   N                                  358                        180                              0                       2                  FIXED                         Y                              N                                    0                          20                           100                   INVESTOR
     369.94                     662                   N                                  357                        360                             36                       3                  FIXED                         N                              N                                    0                          20                           100                   OWNER OCCUPIED
    1336.08                     688                   N                                  358                        180                              0                       2                  FIXED                         Y                              N                                    0                       17.03                         85.14                   INVESTOR
     456.88                     653                   N                                  357                        360                              0                       3                  FIXED                         N                              N                                    0                          20                           100                   OWNER OCCUPIED
     302.35                     706                   N                                  357                        360                             36                       3                  FIXED                         N                              N                                    0                       16.74                          83.7                   OWNER OCCUPIED
     456.22                     660                   Y                                  359                        360                              0                       1                  FIXED                         N                              N                                    0                          20                           100                   INVESTOR
     440.97                     727                   Y                                  358                        360                             36                       2                  FIXED                         N                              N                                    0                          20                           100                   OWNER OCCUPIED
     322.23                     710                   N                                  353                        180                             24                       7                  FIXED                         Y                              N                                    0                          20                           100                   SECOND HOME
     601.87                     711                   N                                  358                        360                              0                       2                  FIXED                         N                              N                                    0                          20                           100                   OWNER OCCUPIED
    1204.14                     708                   N                                  358                        360                             12                       2                  FIXED                         N                              N                                    0                          20                           100                   INVESTOR
     264.71                     776                   N                                  358                        360                              0                       2                  FIXED                         N                              N                                    0                          20                           100                   OWNER OCCUPIED
    2053.16                     708                   Y                                  358                        180                              0                       2                  FIXED                         Y                              N                                    0                          20                           100                   INVESTOR
    3471.43                     689                   N                                  358                        360                              0                       2                  FIXED                         N                              N                                    0                          30                           100                   OWNER OCCUPIED
     378.08                     702                   N                                  358                        180                              0                       2                  FIXED                         Y                              N                                    0                          20                           100                   INVESTOR
     391.51                     724                   N                                  358                        180                              0                       2                  FIXED                         Y                              N                                    0                          20                           100                   INVESTOR
     880.76                     709                   N                                  358                        180                             24                       2                  FIXED                         Y                              N                                    0                          20                           100                   INVESTOR
    2744.22                     693                   Y                                  358                        180                              0                       2                  FIXED                         Y                              N                                    0                       13.95                         83.72                   OWNER OCCUPIED
     426.14                     727                   N                                  358                        360                              0                       2                  FIXED                         N                              N                                    0                          15                            95                   INVESTOR
     776.61                     696                   N                                  358                        180                             36                       2                  FIXED                         Y                              N                                    0                          20                           100                   OWNER OCCUPIED
     301.34                     750                   N                                  358                        180                             36                       2                  FIXED                         Y                              N                                    0                          20                           100                   OWNER OCCUPIED
     276.71                     666                   N                                  357                        360                              8                       3                  FIXED                         N                              N                                    0                          25                            95                   INVESTOR
      367.8                     703                   N                                  358                        180                              0                       2                  FIXED                         Y                              N                                    0                          20                           100                   INVESTOR
    1299.61                     799                   N                                  359                        360                              0                       1                  FIXED                         N                              N                                    0                          20                           100                   INVESTOR
     167.62                     796                   N                                  358                        360                              0                       2                  FIXED                         N                              N                                    0                          20                           100                   INVESTOR
    1053.49                     733                   N                                  358                        180                              0                       2                  FIXED                         Y                              N                                    0                          25                           100                   INVESTOR
    1476.26                     642                   N                                  359                        180                             36                       1                  FIXED                         Y                              N                                    0                          20                           100                   OWNER OCCUPIED
     362.07                     680                   N                                  359                        180                             36                       1                  FIXED                         Y                              N                                    0                          20                           100                   OWNER OCCUPIED

         PI                  MTM_PROPLIT                           MTM_PURPLIT                            MTM_PRODLIT                                      MTM_DOCLIT
         --                  -----------                           -----------                            -----------                                      ----------
     197.12                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     262.91                  CONDO                                 PURCHASE                               30 YR FIXED                                      SISA
     254.18                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     465.59                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              NIVA
     176.05                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
        668                  PUD                                   PURCHASE                               30 YR FIXED                                      NO DOC
     207.07                  SINGLE FAMILY                         PURCHASE                               15 YR FIXED                                      SIVA
    1991.09                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     144.53                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     348.25                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     219.29                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      SIVA
      273.8                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      SIVA
     548.87                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      FULL/ALT DOC
     672.08                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     620.16                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     486.54                  PUD                                   PURCHASE                               30 YR FIXED                                      NO RATIO
     893.18                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     374.13                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      FULL/ALT DOC
     401.75                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     235.78                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     290.48                  PUD                                   PURCHASE                               30 YR FIXED                                      NIVA
     151.77                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      SISA
      283.9                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     213.28                  CONDO                                 PURCHASE                               30 YR FIXED                                      SIVA
     298.15                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NIVA
     537.67                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              NO DOC
     325.49                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      FULL/ALT DOC
     844.26                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      NIVA
     383.47                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     331.34                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     239.02                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      SISA
      227.2                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     382.65                  PUD                                   PURCHASE                               30 YR FIXED                                      NO DOC
     355.78                  PUD                                   PURCHASE                               30 YR FIXED                                      NO RATIO
     295.43                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     894.97                  PUD                                   PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
      564.5                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NIVA
     673.21                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     450.19                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     390.34                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     545.02                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     207.88                  PUD                                   PURCHASE                               30 YR FIXED                                      NO DOC
      160.9                  CONDO                                 PURCHASE                               30 YR FIXED                                      SIVA
     423.38                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
      600.4                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     507.18                  PUD                                   PURCHASE                               30 YR FIXED                                      NIVA
     316.67                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
      481.2                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NIVA
     329.97                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      NO RATIO
     343.19                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      NO RATIO
     267.53                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     285.07                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     487.61                  PUD                                   CASHOUT REFI                           30 YR FIXED                                      SISA
      354.3                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     523.56                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
     605.81                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     630.31                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     208.91                  CONDO                                 PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     204.72                  PUD                                   PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
    1718.29                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     560.94                  PUD                                   PURCHASE                               30 YR FIXED                                      NO RATIO
     560.94                  PUD                                   PURCHASE                               30 YR FIXED                                      NO RATIO
     465.32                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     668.04                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     227.97                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     653.44                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     454.01                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NIVA
     313.07                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     329.84                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     394.31                  CONDO                                 PURCHASE                               30 YR FIXED                                      SIVA
     681.52                  CONDO                                 PURCHASE                               30 YR FIXED                                      NO RATIO
     315.56                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     477.91                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     845.17                  PUD                                   PURCHASE                               30 YR FIXED                                      NO RATIO
     352.26                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     441.72                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      NIVA
     192.48                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     253.75                  PUD                                   PURCHASE                               30 YR FIXED                                      NIVA
     170.26                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      NO RATIO
     289.58                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     225.79                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      FULL/ALT DOC
     103.33                  2-4 FAMILY                            CASHOUT REFI                           30 YR FIXED                                      SIVA
     616.44                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
     166.85                  CONDO                                 PURCHASE                               30 YR FIXED                                      SIVA
     508.72                  CONDO                                 PURCHASE                               30 YR FIXED                                      SIVA
     195.05                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
     143.36                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      SISA
     270.89                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      SIVA
     214.19                  PUD                                   PURCHASE                               30 YR FIXED                                      NIVA
     448.04                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
    1087.79                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     477.33                  2-4 FAMILY                            CASHOUT REFI                           30 YR FIXED                                      SIVA
     484.84                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     478.28                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     464.88                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      NO DOC
     301.25                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NIVA
     451.54                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     404.49                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
     419.46                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NIVA
     237.83                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
     265.94                  CONDO                                 PURCHASE                               30 YR FIXED                                      NIVA
     288.33                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     288.34                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NIVA
     852.75                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NIVA
     320.16                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     262.12                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     280.11                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NIVA
     740.91                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     317.03                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     701.69                  PUD                                   PURCHASE                               30 YR FIXED                                      NO RATIO
     253.03                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     607.92                  PUD                                   PURCHASE                               30 YR FIXED                                      NIVA
     428.88                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     382.52                  CONDO                                 PURCHASE                               30 YR FIXED                                      NIVA
     757.92                  PUD                                   PURCHASE                               30 YR FIXED                                      SISA
     281.91                  PUD                                   PURCHASE                               30 YR FIXED                                      NO RATIO
      238.1                  PUD                                   PURCHASE                               30 YR FIXED                                      NIVA
     652.32                  PUD                                   CASHOUT REFI                           30 YR FIXED                                      SIVA
     201.05                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NIVA
     204.56                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     436.99                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
      551.8                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
      302.1                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO DOC
      830.8                  PUD                                   PURCHASE                               30 YR FIXED                                      NIVA
     401.24                  PUD                                   PURCHASE                               30 YR FIXED                                      NIVA
     223.32                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     657.48                  PUD                                   PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     366.07                  PUD                                   PURCHASE                               30 YR FIXED                                      NO RATIO
     272.66                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     286.04                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
        503                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     843.13                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     430.58                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     261.11                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     778.91                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
    1548.04                  PUD                                   CASHOUT REFI                           30 YR FIXED                                      NO DOC
    1194.78                  PUD                                   PURCHASE                               30 YR FIXED                                      NO RATIO
     716.68                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     763.92                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NIVA
     164.66                  CONDO                                 CASHOUT REFI                           30 YR FIXED                                      NIVA
     537.78                  PUD                                   PURCHASE                               30 YR FIXED                                      NO RATIO
     371.22                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      SIVA
     517.31                  PUD                                   PURCHASE                               30 YR FIXED                                      NO RATIO
     171.76                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     171.76                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     194.69                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NIVA
     299.97                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     479.83                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      FULL/ALT DOC
     679.45                  SINGLE FAMILY                         PURCHASE                               15 YR FIXED                                      SISA
     520.79                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      SIVA
     292.64                  CONDO                                 PURCHASE                               30 YR FIXED                                      SIVA
     595.61                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     602.18                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     532.88                  PUD                                   PURCHASE                               30 YR FIXED                                      NO RATIO
     236.72                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NIVA
     544.83                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     411.66                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     618.69                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO DOC
     256.45                  PUD                                   CASHOUT REFI                           30 YR FIXED                                      FULL/ALT DOC
     561.37                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     253.42                  PUD                                   PURCHASE                               30 YR FIXED                                      NIVA
      359.9                  PUD                                   PURCHASE                               30 YR FIXED                                      NO RATIO
     347.52                  PUD                                   PURCHASE                               30 YR FIXED                                      NO RATIO
     601.51                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      NO RATIO
     357.17                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
      308.8                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
      253.3                  PUD                                   PURCHASE                               30 YR FIXED                                      NO RATIO
     3566.5                  PUD                                   PURCHASE                               30 YR FIXED                                      NIVA
     283.43                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      SIVA
     125.75                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
      323.6                  CONDO                                 PURCHASE                               30 YR FIXED                                      SIVA
     459.28                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO DOC
     373.48                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     594.17                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     474.34                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO DOC
     479.58                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     141.32                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     772.28                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     956.74                  CONDO                                 PURCHASE                               30 YR FIXED                                      NO RATIO
     292.04                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     210.05                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
      461.5                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     151.38                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NIVA
     453.45                  PUD                                   PURCHASE                               30 YR FIXED                                      NIVA
     573.74                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     195.84                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     800.89                  CONDO                                 CASHOUT REFI                           30 YR FIXED                                      SIVA
     162.63                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
     421.23                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      NO DOC
     421.23                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      NO DOC
     326.23                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      SISA
     357.94                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      SIVA
     939.59                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      SIVA
     369.24                  PUD                                   PURCHASE                               30 YR FIXED                                      NIVA
    1752.36                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
     328.93                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      SIVA
     849.11                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     210.92                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     307.75                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      FULL/ALT DOC
     251.99                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     489.01                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     164.47                  CONDO                                 PURCHASE                               30 YR FIXED                                      SIVA
     130.25                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     464.74                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     1596.7                  CONDO                                 PURCHASE                               30 YR FIXED                                      SIVA
      327.5                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     122.86                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     373.45                  CONDO                                 CASHOUT REFI                           30 YR FIXED                                      NIVA
     228.89                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
     398.67                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NIVA
     756.16                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     427.02                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     199.23                  PUD                                   PURCHASE                               30 YR FIXED                                      NO RATIO
    1586.36                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO DOC
     272.44                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     453.99                  PUD                                   PURCHASE                               30 YR FIXED                                      NO RATIO
     499.39                  PUD                                   PURCHASE                               30 YR FIXED                                      NO RATIO
     255.76                  PUD                                   PURCHASE                               30 YR FIXED                                      NO RATIO
     379.94                  PUD                                   CASHOUT REFI                           30 YR FIXED                                      NO DOC
    1762.48                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     411.01                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NIVA
      580.6                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     499.13                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     651.49                  PUD                                   PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     448.16                  PUD                                   PURCHASE                               30 YR FIXED                                      NIVA
     489.44                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     505.06                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     453.45                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
      685.6                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NIVA
     712.14                  CONDO                                 PURCHASE                               30 YR FIXED                                      NO RATIO
     207.96                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      SIVA
     706.01                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     485.65                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     322.97                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      NIVA
     180.76                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      FULL/ALT DOC
     448.25                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NIVA
     316.87                  PUD                                   PURCHASE                               30 YR FIXED                                      NO DOC
     292.01                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     183.42                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
    2374.71                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      SIVA
     416.43                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NIVA
     920.76                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
      295.3                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     348.76                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     560.78                  PUD                                   PURCHASE                               30 YR FIXED                                      SISA
      557.6                  PUD                                   PURCHASE                               30 YR FIXED                                      NO RATIO
    1208.04                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     523.99                  PUD                                   PURCHASE                               30 YR FIXED                                      NIVA
    1903.89                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
      376.6                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     510.96                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
      98.57                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO DOC
     528.96                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO DOC
     212.38                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO DOC
     356.81                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NIVA
      93.13                  PUD                                   PURCHASE                               30 YR FIXED                                      NIVA
     199.92                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     671.13                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     941.97                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     663.04                  PUD                                   PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     284.96                  SINGLE FAMILY                         PURCHASE                               15 YR FIXED                                      SIVA
     214.36                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     303.89                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     342.36                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO DOC
     656.83                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     234.51                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     418.48                  PUD                                   PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     672.44                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
      365.2                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     606.07                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     319.48                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     339.31                  CONDO                                 PURCHASE                               30 YR FIXED                                      SIVA
     458.16                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     422.78                  PUD                                   CASHOUT REFI                           30 YR FIXED                                      SIVA
     635.68                  PUD                                   PURCHASE                               30 YR FIXED                                      NO DOC
    1521.31                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     800.87                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     558.82                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     484.37                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO DOC
     439.51                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     473.41                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     160.62                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
      491.2                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     259.18                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      NIVA
    1458.06                  PUD                                   PURCHASE                               30 YR FIXED                                      NIVA
     163.42                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     900.04                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     297.76                  PUD                                   PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     596.24                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
    1869.18                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     339.49                  CONDO                                 PURCHASE                               30 YR FIXED                                      NO RATIO
     366.74                  CONDO                                 PURCHASE                               30 YR FIXED                                      SIVA
     824.82                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     599.16                  PUD                                   PURCHASE                               30 YR FIXED                                      NO RATIO
     873.11                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     996.73                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO DOC
     639.58                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     801.83                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     563.34                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     1075.4                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     300.49                  PUD                                   PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     342.18                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     732.37                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      NO RATIO
     385.17                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     259.36                  PUD                                   PURCHASE                               30 YR FIXED                                      SISA
     641.62                  PUD                                   PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
        733                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     452.44                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     398.31                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      SIVA
     744.91                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     574.58                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NIVA
     673.71                  PUD                                   CASHOUT REFI                           30 YR FIXED                                      SIVA
     361.72                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     497.06                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     473.65                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     420.91                  PUD                                   PURCHASE                               30 YR FIXED                                      NIVA
     744.74                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     442.12                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     334.31                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
    1569.67                  PUD                                   PURCHASE                               30 YR FIXED                                      NIVA
     933.48                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     361.58                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NIVA
     268.57                  PUD                                   PURCHASE                               30 YR FIXED                                      NIVA
     584.57                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     269.67                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      SIVA
    1773.19                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     169.22                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     225.99                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     486.84                  PUD                                   PURCHASE                               30 YR FIXED                                      NIVA
     392.83                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      NO DOC
     381.66                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     393.49                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     543.25                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
      273.5                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
     373.15                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     832.46                  PUD                                   PURCHASE                               30 YR FIXED                                      NO RATIO
      245.2                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
        176                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NIVA
     159.02                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     730.26                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     350.41                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     451.44                  PUD                                   PURCHASE                               30 YR FIXED                                      NIVA
     377.13                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     464.25                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
        580                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO DOC
     377.79                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     461.47                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     299.03                  PUD                                   PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     518.46                  CONDO                                 PURCHASE                               30 YR FIXED                                      NO RATIO
     563.51                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     756.15                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     223.65                  CONDO                                 PURCHASE                               30 YR FIXED                                      NO RATIO
     167.12                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NIVA
     228.54                  SINGLE FAMILY                         PURCHASE                               15 YR FIXED                                      FULL/ALT DOC
      224.8                  SINGLE FAMILY                         PURCHASE                               15 YR FIXED                                      FULL/ALT DOC
     208.63                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     412.84                  PUD                                   PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     384.21                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     368.43                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      SISA
     721.96                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NIVA
     514.38                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     757.06                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     209.06                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     633.22                  PUD                                   PURCHASE                               30 YR FIXED                                      SISA
     289.25                  PUD                                   PURCHASE                               30 YR FIXED                                      NIVA
     337.93                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     810.05                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     218.03                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     456.57                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
      447.5                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO DOC
     300.45                  PUD                                   PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     241.25                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO DOC
     655.89                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NIVA
     402.86                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      NO RATIO
     167.93                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
      77.58                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     580.59                  PUD                                   PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     377.24                  CONDO                                 PURCHASE                               30 YR FIXED                                      NIVA
     548.23                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     472.09                  PUD                                   PURCHASE                               15 YR FIXED                                      NO DOC
     464.22                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     250.96                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     300.91                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      NO DOC
     343.27                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NIVA
      414.1                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     219.22                  PUD                                   PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     386.96                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      SIVA
     523.95                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      SIVA
     455.52                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
      464.6                  PUD                                   PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     844.66                  PUD                                   PURCHASE                               30 YR FIXED                                      NO RATIO
     412.91                  PUD                                   PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     506.68                  PUD                                   PURCHASE                               30 YR FIXED                                      NO DOC
     971.59                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      NO RATIO
     248.14                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     639.32                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     457.04                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO DOC
      544.3                  PUD                                   PURCHASE                               30 YR FIXED                                      NO RATIO
     334.31                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NIVA
     525.94                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     343.65                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     599.63                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     319.61                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NIVA
     427.38                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
      491.9                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     262.65                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
      463.1                  CONDO                                 PURCHASE                               30 YR FIXED                                      SIVA
     217.03                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      SIVA
     378.03                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO DOC
     243.25                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
     470.15                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NIVA
     629.36                  PUD                                   PURCHASE                               30 YR FIXED                                      NO RATIO
     234.22                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      SIVA
     329.71                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
      418.7                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      SIVA
     402.85                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
      99.85                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     487.93                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     104.55                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO DOC
      614.9                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NIVA
     287.45                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
    2621.57                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO DOC
     931.16                  CONDO                                 PURCHASE                               30 YR FIXED                                      SIVA
     545.64                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     551.05                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
     523.71                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
      720.4                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      NIVA
      519.9                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     836.05                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      NIVA
     157.81                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     469.62                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      SIVA
     602.41                  PUD                                   PURCHASE                               30 YR FIXED                                      NIVA
     356.44                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NIVA
     635.12                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     517.03                  CONDO                                 PURCHASE                               30 YR FIXED                                      NO DOC
     552.76                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     1164.6                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     993.38                  CONDO                                 CASHOUT REFI                           30 YR FIXED                                      SIVA
     869.52                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      SIVA
      214.5                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      NO DOC
     138.86                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     649.57                  CONDO                                 PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     638.83                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
      429.4                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      NO DOC
     289.36                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     489.01                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     548.89                  PUD                                   PURCHASE                               30 YR FIXED                                      NO DOC
     257.38                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      SIVA
     130.47                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO DOC
     189.87                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     628.67                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     688.31                  PUD                                   PURCHASE                               30 YR FIXED                                      NO RATIO
     256.89                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     336.68                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     320.85                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     405.63                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NIVA
     509.29                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     861.92                  PUD                                   PURCHASE                               30 YR FIXED                                      NO DOC
     392.48                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     490.69                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      SIVA
     621.96                  CONDO                                 PURCHASE                               30 YR FIXED                                      SIVA
     378.27                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NIVA
     449.93                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     441.84                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     466.26                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     425.49                  PUD                                   PURCHASE                               30 YR FIXED                                      NO RATIO
     422.95                  PUD                                   CASHOUT REFI                           30 YR FIXED                                      NO RATIO
     247.36                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     163.92                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      SIVA
     747.77                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     519.12                  PUD                                   PURCHASE                               30 YR FIXED                                      NIVA
      934.4                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
    1211.14                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     339.44                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      SIVA
     925.07                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     543.95                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     696.98                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              NIVA
     465.59                  PUD                                   PURCHASE                               30 YR FIXED                                      NIVA
     389.64                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     530.75                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     203.18                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO DOC
     767.47                  PUD                                   PURCHASE                               30 YR FIXED                                      NIVA
      533.1                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     265.27                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
     899.68                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
        170                  PUD                                   CASHOUT REFI                           30 YR FIXED                                      NIVA
     350.94                  PUD                                   PURCHASE                               30 YR FIXED                                      NIVA
      304.1                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     451.93                  PUD                                   PURCHASE                               30 YR FIXED                                      NIVA
      86.64                  CONDO                                 PURCHASE                               30 YR FIXED                                      SIVA
     767.14                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     275.67                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
     876.86                  PUD                                   PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     608.53                  PUD                                   PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
    1394.97                  PUD                                   PURCHASE                               30 YR FIXED                                      NIVA
     720.03                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
      417.2                  PUD                                   PURCHASE                               30 YR FIXED                                      NIVA
     255.51                  CONDO                                 PURCHASE                               30 YR FIXED                                      NIVA
    1877.29                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      NIVA
     744.52                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
    1175.93                  CONDO                                 PURCHASE                               30 YR FIXED                                      NIVA
    1205.08                  PUD                                   PURCHASE                               30 YR FIXED                                      NIVA
     226.29                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     1194.6                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     251.45                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     629.75                  PUD                                   PURCHASE                               30 YR FIXED                                      NO DOC
     527.21                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     140.12                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO DOC
     520.42                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     324.16                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     573.65                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NIVA
     255.34                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     333.11                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     746.68                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
    1344.74                  PUD                                   PURCHASE                               30 YR FIXED                                      NIVA
     693.71                  PUD                                   PURCHASE                               30 YR FIXED                                      NIVA
    1308.02                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     380.55                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NIVA
     380.64                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     154.12                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
    2449.63                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     369.32                  PUD                                   PURCHASE                               30 YR FIXED                                      NO RATIO
    1103.43                  PUD                                   PURCHASE                               30 YR FIXED                                      NIVA
     356.52                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     257.48                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
      338.8                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO DOC
        321                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     603.98                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     489.92                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
    1957.55                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     928.43                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
    1405.36                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     380.99                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     659.89                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      SIVA
     566.05                  PUD                                   PURCHASE                               30 YR FIXED                                      NO RATIO
     242.43                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     212.04                  CONDO                                 PURCHASE                               30 YR FIXED                                      SIVA
     501.14                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
    1419.82                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     577.53                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     439.27                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     348.66                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     512.29                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     534.43                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     429.44                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     940.09                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     503.22                  PUD                                   PURCHASE                               15 YR FIXED                                      NO DOC
     589.99                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     420.24                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     199.45                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      SIVA
    1121.69                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO DOC
     272.63                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      SISA
     246.76                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     283.14                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NIVA
     126.95                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO DOC
    1336.02                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      SISA
     127.08                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     311.15                  PUD                                   PURCHASE                               30 YR FIXED                                      NO RATIO
     480.66                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     205.84                  CONDO                                 PURCHASE                               30 YR FIXED                                      NO DOC
     659.89                  PUD                                   PURCHASE                               30 YR FIXED                                      NIVA
     165.42                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     597.94                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
      362.9                  CONDO                                 CASHOUT REFI                           30 YR FIXED                                      NO RATIO
     379.22                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     189.96                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
    1127.97                  PUD                                   PURCHASE                               30 YR FIXED                                      NO RATIO
     692.67                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      SIVA
     338.05                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
     475.03                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     242.32                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      NO DOC
     604.98                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     234.74                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     778.73                  PUD                                   PURCHASE                               30 YR FIXED                                      NO RATIO
      318.9                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     159.22                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      NIVA
     619.01                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     930.88                  CONDO                                 CASHOUT REFI                           30 YR FIXED                                      SIVA
     326.57                  SINGLE FAMILY                         PURCHASE                               15 YR FIXED                                      SIVA
     950.48                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     617.19                  PUD                                   PURCHASE                               30 YR FIXED                                      SISA
      173.4                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     953.21                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO DOC
     563.68                  CONDO                                 PURCHASE                               30 YR FIXED                                      NO DOC
    1512.68                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
     857.35                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     119.99                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO DOC
    2587.39                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      SISA
     337.25                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     366.22                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NIVA
     185.18                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     522.35                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     371.93                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     275.82                  PUD                                   PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     275.82                  PUD                                   PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     471.56                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NIVA
     293.85                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      FULL/ALT DOC
     310.92                  CONDO                                 PURCHASE                               30 YR FIXED                                      NO DOC
    1129.06                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      SIVA
     594.38                  PUD                                   PURCHASE                               30 YR FIXED                                      SISA
     393.48                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      SISA
     393.48                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      SISA
     646.09                  PUD                                   PURCHASE                               30 YR FIXED                                      NIVA
     442.67                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     400.77                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     250.91                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     202.41                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
      932.4                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     439.47                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     589.99                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
      296.4                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     207.81                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
     285.98                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
     957.19                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      NO DOC
     836.26                  PUD                                   PURCHASE                               30 YR FIXED                                      NO DOC
     550.71                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     362.07                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     508.52                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     628.28                  PUD                                   PURCHASE                               30 YR FIXED                                      NO RATIO
     662.96                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
      365.9                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NIVA
     293.13                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
      487.9                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
    1349.78                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     456.41                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     304.64                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
      501.5                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     247.46                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      NIVA
     326.28                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     348.78                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     196.77                  PUD                                   PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     474.54                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     401.44                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     261.07                  SINGLE FAMILY                         PURCHASE                               15 YR FIXED                                      NIVA
    1188.94                  PUD                                   PURCHASE                               30 YR FIXED                                      NO DOC
     130.57                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     684.62                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO DOC
     642.06                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     502.19                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     209.77                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     556.54                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO DOC
     375.12                  SINGLE FAMILY                         PURCHASE                               15 YR FIXED                                      FULL/ALT DOC
     443.42                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     354.27                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     158.98                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     442.88                  PUD                                   PURCHASE                               30 YR FIXED                                      NIVA
     891.04                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     224.12                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
     549.36                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     556.37                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO DOC
     457.69                  PUD                                   PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     230.53                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
     174.44                  SINGLE FAMILY                         PURCHASE                               15 YR FIXED                                      FULL/ALT DOC
    1089.81                  CONDO                                 PURCHASE                               30 YR FIXED                                      NO DOC
     773.46                  2-4 FAMILY                            CASHOUT REFI                           30 YR FIXED                                      SISA
     355.07                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
      856.7                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
     293.61                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      SISA
     529.61                  PUD                                   PURCHASE                               30 YR FIXED                                      NIVA
     680.96                  PUD                                   PURCHASE                               30 YR FIXED                                      SISA
     500.93                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
     693.67                  PUD                                   PURCHASE                               30 YR FIXED                                      NO DOC
     357.59                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
    1131.47                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      FULL/ALT DOC
     189.71                  PUD                                   CASHOUT REFI                           30 YR FIXED                                      FULL/ALT DOC
     289.12                  2-4 FAMILY                            CASHOUT REFI                           30 YR FIXED                                      SIVA
     812.06                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     635.71                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     333.11                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     429.99                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
      171.7                  PUD                                   PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     785.77                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      SISA
     499.66                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     282.91                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     263.11                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     510.71                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     424.47                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     499.06                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     282.36                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     373.34                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      SIVA
     324.85                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NIVA
     236.48                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
      519.1                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     560.35                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NIVA
     470.45                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO DOC
      442.9                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      SISA
     512.28                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     323.64                  PUD                                   PURCHASE                               30 YR FIXED                                      SISA
     193.98                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     452.39                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
     923.69                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO DOC
     266.31                  CONDO                                 PURCHASE                               30 YR FIXED                                      NIVA
      484.5                  PUD                                   PURCHASE                               30 YR FIXED                                      NO DOC
     447.74                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     364.08                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     462.12                  CONDO                                 PURCHASE                               30 YR FIXED                                      SIVA
     146.69                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
    1274.99                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     409.93                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     353.55                  PUD                                   PURCHASE                               30 YR FIXED                                      NO DOC
      863.7                  PUD                                   PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     227.61                  CONDO                                 CASHOUT REFI                           30 YR FIXED                                      FULL/ALT DOC
     463.45                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     516.84                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO DOC
     281.23                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     229.96                  PUD                                   CASHOUT REFI                           30 YR FIXED                                      SIVA
     188.85                  PUD                                   PURCHASE                               30 YR FIXED                                      NO DOC
     486.34                  2-4 FAMILY                            CASHOUT REFI                           15 YR FIXED                                      SIVA
     651.14                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO DOC
     497.95                  PUD                                   PURCHASE                               30 YR FIXED                                      SISA
     590.18                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     468.78                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     375.55                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NIVA
     351.13                  PUD                                   PURCHASE                               30 YR FIXED                                      NO DOC
    1592.03                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              NIVA
     706.59                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      SIVA
     421.28                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO DOC
     360.01                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     317.85                  PUD                                   PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     787.28                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO DOC
     276.17                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     392.22                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     254.16                  CONDO                                 PURCHASE                               30 YR FIXED                                      NO DOC
     592.78                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     763.11                  PUD                                   PURCHASE                               30 YR FIXED                                      NO DOC
     355.11                  PUD                                   PURCHASE                               30 YR FIXED                                      NO RATIO
     524.44                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     528.96                  PUD                                   PURCHASE                               30 YR FIXED                                      NO DOC
      822.8                  PUD                                   PURCHASE                               30 YR FIXED                                      NO RATIO
     346.35                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
    1182.05                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      NO DOC
     327.85                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
     273.68                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO DOC
     137.13                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     237.83                  PUD                                   PURCHASE                               30 YR FIXED                                      NO RATIO
     463.34                  CONDO                                 PURCHASE                               30 YR FIXED                                      SIVA
    3545.73                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      NO RATIO
     986.58                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NIVA
     368.18                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
      371.3                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      SISA
     703.54                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     113.15                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
    1821.92                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NIVA
     281.59                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     539.61                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     313.23                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     172.76                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NIVA
     347.72                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     255.25                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     346.14                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     434.62                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO DOC
     444.06                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
      280.7                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
     483.72                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
      409.1                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     455.72                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     256.33                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NIVA
     455.93                  PUD                                   PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     301.71                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     384.18                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NIVA
     754.01                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     250.14                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     717.76                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
    1735.82                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     336.45                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     576.32                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     588.24                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     701.19                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     398.23                  CONDO                                 PURCHASE                               30 YR FIXED                                      NO RATIO
     151.46                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     1781.1                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      SIVA
    1063.53                  CONDO                                 PURCHASE                               30 YR FIXED                                      SISA
     166.28                  PUD                                   PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     187.18                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     793.66                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO DOC
     506.61                  PUD                                   PURCHASE                               30 YR FIXED                                      NO RATIO
     283.59                  PUD                                   PURCHASE                               30 YR FIXED                                      NO DOC
     949.37                  PUD                                   PURCHASE                               30 YR FIXED                                      NIVA
     157.75                  2-4 FAMILY                            CASHOUT REFI                           30 YR FIXED                                      SIVA
     157.75                  2-4 FAMILY                            CASHOUT REFI                           30 YR FIXED                                      SIVA
     529.36                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     173.08                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NIVA
     421.49                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     179.51                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      SIVA
     973.46                  PUD                                   PURCHASE                               30 YR FIXED                                      NO DOC
    1735.74                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     359.77                  CONDO                                 PURCHASE                               30 YR FIXED                                      SIVA
        473                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     352.22                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     534.33                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NIVA
     802.63                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     264.74                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NIVA
     256.73                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NIVA
     319.25                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     468.29                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     112.77                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO DOC
     918.11                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
      534.4                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      NIVA
      222.3                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     694.41                  CONDO                                 PURCHASE                               30 YR FIXED                                      SIVA
     507.58                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
      542.9                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     126.09                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     417.79                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NIVA
     918.39                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     340.93                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
     464.61                  CONDO                                 PURCHASE                               30 YR FIXED                                      SIVA
     305.24                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO DOC
     733.64                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      SISA
      581.4                  PUD                                   PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
    1490.85                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      NO DOC
     286.64                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NIVA
     431.57                  PUD                                   PURCHASE                               30 YR FIXED                                      NIVA
     645.24                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     783.54                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     537.82                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     257.75                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     458.27                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NIVA
     437.53                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     427.99                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NIVA
     215.06                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      NIVA
     381.23                  PUD                                   PURCHASE                               30 YR FIXED                                      NO DOC
     429.19                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      SIVA
     244.76                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
    1031.08                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
     137.21                  PUD                                   PURCHASE                               30 YR FIXED                                      NIVA
     672.37                  PUD                                   CASHOUT REFI                           30 YR FIXED                                      SIVA
      456.5                  PUD                                   PURCHASE                               30 YR FIXED                                      NO DOC
     908.48                  PUD                                   PURCHASE                               30 YR FIXED                                      NIVA
     380.23                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
    1056.72                  PUD                                   PURCHASE                               30 YR FIXED                                      NO RATIO
     727.38                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     427.76                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     411.74                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      SIVA
     496.78                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
      296.1                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO DOC
     364.31                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     777.62                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
     427.61                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NIVA
     380.55                  PUD                                   CASHOUT REFI                           30 YR FIXED                                      SISA
     401.45                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     276.12                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
      201.7                  PUD                                   PURCHASE                               30 YR FIXED                                      NO DOC
      657.7                  SINGLE FAMILY                         PURCHASE                               15 YR FIXED                                      NO DOC
     448.22                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
    1102.33                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SISA
     876.23                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     571.28                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
    1077.05                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SISA
     318.33                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     644.03                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      SISA
     137.82                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     352.75                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     310.66                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     409.68                  2-4 FAMILY                            PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     361.39                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SISA
     447.37                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NIVA
      642.1                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SISA
     602.63                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              SISA
     237.47                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SISA
     211.95                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SISA
     318.75                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              SISA
    1199.68                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
      212.5                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SISA
      192.1                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SISA
     882.51                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              SISA
     636.45                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              SISA
     417.11                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
    1340.13                  PUD                                   CASHOUT REFI                           30 YR FIXED                                      NO RATIO
     1013.8                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      SIVA
     311.94                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
      290.7                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
      645.1                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
     577.65                  CONDO                                 CASHOUT REFI                           FIXED BALLOON 30/15                              NO RATIO
     320.52                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     320.52                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     381.32                  PUD                                   PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     257.17                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
     421.64                  PUD                                   PURCHASE                               30 YR FIXED                                      SISA
      695.2                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SISA
     943.16                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     320.15                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED                                      FULL/ALT DOC
     286.23                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      FULL/ALT DOC
     286.75                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      FULL/ALT DOC
     610.22                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     216.05                  SINGLE FAMILY                         PURCHASE                               15 YR FIXED                                      NO RATIO
     284.33                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     381.75                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     592.29                  PUD                                   CASHOUT REFI                           30 YR FIXED                                      SISA
     259.93                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      NO RATIO
     336.62                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
      612.8                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SISA
     377.39                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     472.48                  2-4 FAMILY                            PURCHASE                               FIXED BALLOON 30/15                              NO DOC
     232.89                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     417.64                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SISA
     242.38                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     504.23                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     704.72                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SISA
     321.24                  PUD                                   PURCHASE                               30 YR FIXED                                      NO RATIO
     250.98                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
    1052.79                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
     621.59                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     252.44                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     115.35                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
     157.84                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     623.47                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
      87.75                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      SISA
     207.98                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
    1261.06                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     280.97                  PUD                                   PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     224.08                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     782.59                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     253.41                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SISA
     301.26                  PUD                                   PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     237.14                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     315.39                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     160.52                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
      831.4                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     311.15                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
      98.77                  PUD                                   PURCHASE                               30 YR FIXED                                      SISA
     249.27                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      FULL/ALT DOC
      417.1                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
     312.92                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
     374.84                  2-4 FAMILY                            PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     374.84                  2-4 FAMILY                            PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     374.84                  2-4 FAMILY                            PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     618.38                  PUD                                   PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     201.88                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      FULL/ALT DOC
     458.41                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     137.95                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     130.32                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO DOC
     542.14                  PUD                                   PURCHASE                               30 YR FIXED                                      SISA
     497.79                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
    2062.32                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     405.22                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     221.78                  CONDO                                 PURCHASE                               30 YR FIXED                                      SIVA
     357.25                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
     328.99                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     582.63                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     280.82                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SISA
     334.01                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     400.72                  PUD                                   CASHOUT REFI                           30 YR FIXED                                      SISA
     774.22                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
     372.47                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
      686.3                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO DOC
      428.1                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SISA
     493.17                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SISA
     315.51                  PUD                                   CASHOUT REFI                           30 YR FIXED                                      FULL/ALT DOC
    1123.85                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     550.26                  2-4 FAMILY                            CASHOUT REFI                           30 YR FIXED                                      NO RATIO
    1118.16                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     240.24                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
      97.13                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     209.72                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      NO DOC
     209.72                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      NO DOC
     744.74                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     322.55                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     380.69                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      SIVA
      277.3                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SISA
     271.99                  CONDO                                 PURCHASE                               30 YR FIXED                                      NO DOC
     420.55                  PUD                                   PURCHASE                               15 YR FIXED                                      SISA
     316.95                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     760.92                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     458.01                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
     795.64                  PUD                                   RATE/TERM REFI                         FIXED BALLOON 30/15                              FULL/ALT DOC
     142.66                  2-4 FAMILY                            CASHOUT REFI                           FIXED BALLOON 30/15                              SISA
     519.12                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     763.74                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO DOC
     684.37                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     213.88                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      SIVA
     535.32                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     655.74                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     251.66                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      SIVA
     571.28                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     251.66                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      SIVA
     355.59                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     457.89                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     352.44                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     411.63                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     671.34                  2-4 FAMILY                            PURCHASE                               FIXED BALLOON 30/15                              SIVA
     1009.4                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     508.31                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      NO RATIO
     104.34                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO DOC
     690.73                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
      211.5                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO DOC
     284.96                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
     241.24                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     984.34                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      NO RATIO
     425.93                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      NO DOC
     294.59                  CONDO                                 CASHOUT REFI                           FIXED BALLOON 30/15                              SISA
     771.88                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     226.84                  SINGLE FAMILY                         CASHOUT REFI                           15 YR FIXED                                      NO RATIO
     228.54                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
     219.65                  CONDO                                 PURCHASE                               30 YR FIXED                                      SIVA
     219.65                  CONDO                                 PURCHASE                               30 YR FIXED                                      SIVA
     199.41                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     385.98                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      NO DOC
     185.06                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     274.47                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     227.36                  PUD                                   PURCHASE                               30 YR FIXED                                      SISA
     822.33                  PUD                                   CASHOUT REFI                           30 YR FIXED                                      NO RATIO
      96.11                  CONDO                                 PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
      116.3                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     375.43                  PUD                                   PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     301.09                  PUD                                   PURCHASE                               30 YR FIXED                                      SISA
     680.05                  PUD                                   PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
    1057.49                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
     433.59                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     172.05                  CONDO                                 PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     260.43                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
      348.9                  PUD                                   PURCHASE                               30 YR FIXED                                      SISA
      372.2                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      SIVA
     724.32                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
    1036.95                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     370.62                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SISA
     304.14                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
      183.5                  PUD                                   PURCHASE                               30 YR FIXED                                      NO DOC
        291                  PUD                                   PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
      693.2                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     385.55                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     378.38                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
     368.88                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     300.09                  PUD                                   PURCHASE                               30 YR FIXED                                      SISA
     881.24                  PUD                                   CASHOUT REFI                           30 YR FIXED                                      NO RATIO
     288.78                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
     611.68                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
     436.06                  CONDO                                 CASHOUT REFI                           30 YR FIXED                                      SISA
    1048.25                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO DOC
     943.42                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      NO RATIO
     212.79                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED                                      FULL/ALT DOC
      734.8                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     158.46                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO DOC
     469.38                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SISA
    1651.14                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO DOC
     227.94                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     138.61                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      NO RATIO
     591.26                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      SISA
     398.32                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     176.24                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     607.49                  PUD                                   PURCHASE                               30 YR FIXED                                      SISA
      315.8                  CONDO                                 PURCHASE                               30 YR FIXED                                      NO RATIO
     336.04                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     469.92                  CONDO                                 PURCHASE                               30 YR FIXED                                      SISA
     344.17                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      SISA
     258.04                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              SISA
     401.67                  2-4 FAMILY                            CASHOUT REFI                           30 YR FIXED                                      SISA
     462.46                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      NO RATIO
     373.95                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     128.34                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     307.79                  CONDO                                 PURCHASE                               30 YR FIXED                                      SIVA
     570.64                  PUD                                   PURCHASE                               30 YR FIXED                                      SISA
     503.78                  PUD                                   PURCHASE                               30 YR FIXED                                      NO DOC
     298.26                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     660.04                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
      343.2                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
        353                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     499.04                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      FULL/ALT DOC
     514.31                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
      173.8                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
      262.9                  PUD                                   PURCHASE                               30 YR FIXED                                      SISA
     168.68                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              SISA
     871.46                  PUD                                   CASHOUT REFI                           30 YR FIXED                                      SISA
      676.3                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SISA
     287.87                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      SIVA
     275.29                  PUD                                   PURCHASE                               30 YR FIXED                                      SISA
     438.17                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      NO RATIO
     230.59                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
      260.5                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      NO RATIO
     675.61                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO DOC
     327.37                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
     645.68                  PUD                                   PURCHASE                               30 YR FIXED                                      SISA
     825.82                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SISA
     512.25                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     485.85                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO DOC
     643.88                  PUD                                   PURCHASE                               30 YR FIXED                                      NO RATIO
     174.76                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO DOC
     590.12                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
     376.62                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SISA
     144.47                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO DOC
     272.54                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      NO DOC
     505.56                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     317.24                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     174.78                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      NO DOC
     293.61                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      NO DOC
     306.47                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      FULL/ALT DOC
     537.45                  PUD                                   CASHOUT REFI                           30 YR FIXED                                      SISA
     161.89                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     938.04                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     608.05                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     329.65                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     442.39                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     254.08                  SINGLE FAMILY                         PURCHASE                               15 YR FIXED                                      SIVA
      263.1                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     201.88                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      FULL/ALT DOC
     605.65                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
     908.79                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
     343.82                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
    1152.64                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     637.62                  2-4 FAMILY                            PURCHASE                               FIXED BALLOON 30/15                              SIVA
        536                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO DOC
     239.83                  2-4 FAMILY                            PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     262.24                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      NO RATIO
     563.99                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
     113.94                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      SIVA
    1087.34                  CONDO                                 PURCHASE                               30 YR FIXED                                      SIVA
    1586.23                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      NO DOC
     450.08                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SISA
     713.65                  PUD                                   PURCHASE                               30 YR FIXED                                      SISA
     764.39                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
    1204.36                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              SISA
     982.15                  PUD                                   PURCHASE                               30 YR FIXED                                      NO DOC
     140.94                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     205.36                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
     429.95                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
     614.64                  CONDO                                 CASHOUT REFI                           30 YR FIXED                                      SISA
     549.91                  PUD                                   PURCHASE                               30 YR FIXED                                      SISA
     260.66                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
      485.5                  2-4 FAMILY                            PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     570.83                  CONDO                                 PURCHASE                               30 YR FIXED                                      NO RATIO
     280.32                  CONDO                                 CASHOUT REFI                           30 YR FIXED                                      FULL/ALT DOC
     558.58                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SISA
      230.5                  SINGLE FAMILY                         PURCHASE                               15 YR FIXED                                      NO RATIO
     336.39                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      FULL/ALT DOC
     391.47                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
     653.34                  PUD                                   PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     552.66                  2-4 FAMILY                            PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
    1174.28                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO DOC
     209.97                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
     289.61                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
      496.9                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     419.56                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      FULL/ALT DOC
     716.74                  2-4 FAMILY                            PURCHASE                               FIXED BALLOON 30/15                              NO DOC
     386.58                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SISA
     333.67                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     125.08                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     302.41                  CONDO                                 PURCHASE                               30 YR FIXED                                      NO RATIO
     244.76                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED                                      SISA
     730.22                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     269.77                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     361.66                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO DOC
     378.27                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     616.87                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      NO RATIO
     561.87                  PUD                                   PURCHASE                               30 YR FIXED                                      NO RATIO
    1233.73                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
      423.6                  PUD                                   PURCHASE                               30 YR FIXED                                      SISA
     588.68                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
      241.6                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
      211.5                  CONDO                                 CASHOUT REFI                           30 YR FIXED                                      NO DOC
      238.8                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     323.99                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
      596.6                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
     298.99                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
     304.74                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     490.19                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
      490.3                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     517.15                  PUD                                   PURCHASE                               30 YR FIXED                                      NO RATIO
     846.72                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
      339.2                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              SISA
     161.54                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      NO DOC
     386.22                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
    1013.89                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SISA
     492.19                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SISA
     543.59                  PUD                                   PURCHASE                               30 YR FIXED                                      SISA
     337.77                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     474.69                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
      619.3                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     390.09                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     458.87                  2-4 FAMILY                            PURCHASE                               FIXED BALLOON 30/15                              SISA
     757.71                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
    1233.38                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     719.89                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO DOC
     707.33                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     186.52                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      FULL/ALT DOC
    4646.04                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     972.55                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     449.15                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      SISA
     323.69                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              SISA
    1052.31                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
      302.7                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     233.03                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     471.52                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      SIVA
     353.16                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      SIVA
     373.39                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SISA
     224.57                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     758.32                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO DOC
     397.66                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     392.06                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              SISA
     224.37                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
    1007.39                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
     192.14                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              SISA
     196.12                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     193.69                  PUD                                   PURCHASE                               30 YR FIXED                                      NO DOC
    1158.15                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO DOC
     419.21                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     510.76                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     525.21                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     521.69                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     507.59                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
    1080.99                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     134.25                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     844.33                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SISA
     321.85                  PUD                                   PURCHASE                               30 YR FIXED                                      NO RATIO
     732.66                  PUD                                   PURCHASE                               30 YR FIXED                                      NO DOC
     277.96                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     323.93                  PUD                                   PURCHASE                               30 YR FIXED                                      NO RATIO
     386.79                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      FULL/ALT DOC
      336.5                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SISA
     169.31                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
      796.4                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
      226.2                  CONDO                                 PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     217.19                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      NO RATIO
     603.97                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
     486.63                  PUD                                   PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     213.76                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     664.48                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     317.34                  PUD                                   CASHOUT REFI                           30 YR FIXED                                      FULL/ALT DOC
     197.44                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED                                      SISA
     419.58                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      NO RATIO
     230.39                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      NO RATIO
     499.92                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     231.23                  PUD                                   CASHOUT REFI                           30 YR FIXED                                      FULL/ALT DOC
     419.28                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              NO DOC
     927.62                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
      430.1                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     618.25                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              SISA
     216.34                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     218.51                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      NO RATIO
     367.53                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     1361.4                  PUD                                   PURCHASE                               30 YR FIXED                                      SISA
     500.29                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      FULL/ALT DOC
     412.43                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      NO RATIO
     432.21                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      SISA
     431.76                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     258.82                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
      149.5                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     306.81                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     706.82                  PUD                                   PURCHASE                               30 YR FIXED                                      NO RATIO
     706.82                  PUD                                   PURCHASE                               30 YR FIXED                                      NO RATIO
     346.98                  CONDO                                 PURCHASE                               30 YR FIXED                                      NO RATIO
      744.5                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     938.75                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SISA
     187.61                  PUD                                   PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     345.26                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     635.41                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      SISA
     163.52                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
     434.07                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
     461.76                  PUD                                   CASHOUT REFI                           30 YR FIXED                                      SISA
     227.16                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      NO RATIO
    1350.75                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SISA
     244.08                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
      961.3                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     280.92                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
      412.7                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     376.35                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      SISA
    3776.61                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     773.02                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      SIVA
     522.96                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO DOC
     356.22                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     160.92                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
     245.46                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     670.17                  PUD                                   PURCHASE                               30 YR FIXED                                      SISA
     415.94                  PUD                                   PURCHASE                               30 YR FIXED                                      NO RATIO
     242.04                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      NO DOC
     409.63                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     569.96                  PUD                                   PURCHASE                               30 YR FIXED                                      NO RATIO
    1118.33                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
     199.76                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SISA
     495.15                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     686.54                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     423.18                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     305.01                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      SISA
     381.23                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
     783.23                  SINGLE FAMILY                         PURCHASE                               15 YR FIXED                                      SISA
     197.03                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
      496.7                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
     662.77                  PUD                                   CASHOUT REFI                           30 YR FIXED                                      FULL/ALT DOC
     596.59                  PUD                                   CASHOUT REFI                           30 YR FIXED                                      NO RATIO
     220.99                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     452.44                  PUD                                   PURCHASE                               30 YR FIXED                                      SISA
     273.91                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     213.72                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO DOC
     257.75                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     276.15                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     165.67                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     264.46                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     285.43                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     303.76                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO DOC
    1115.97                  2-4 FAMILY                            CASHOUT REFI                           30 YR FIXED                                      NO RATIO
     156.25                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     716.99                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
     553.29                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     143.67                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              NO RATIO
     812.46                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SISA
     243.79                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
     105.76                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      SIVA
     276.64                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     139.95                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
     290.22                  2-4 FAMILY                            PURCHASE                               FIXED BALLOON 30/15                              SISA
     105.75                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     272.58                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      SISA
     245.04                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SISA
     230.08                  CONDO                                 PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     764.21                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
    2738.01                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     595.55                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      NO RATIO
     353.11                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
      643.3                  PUD                                   PURCHASE                               30 YR FIXED                                      NO RATIO
    1086.48                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      SISA
     191.79                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
     390.76                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      NO RATIO
      295.5                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SISA
        847                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     722.26                  PUD                                   PURCHASE                               30 YR FIXED                                      SISA
     133.12                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO DOC
     361.98                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     126.54                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     169.56                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     227.97                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     229.11                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     162.85                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     152.93                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO DOC
     152.78                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
      85.91                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED                                      FULL/ALT DOC
     184.54                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     334.87                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SISA
     367.13                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
     814.16                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     374.37                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
     417.12                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SISA
     241.39                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     693.76                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     208.81                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      FULL/ALT DOC
     423.18                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              NIVA
     1012.5                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     333.31                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NIVA
     601.21                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED                                      SIVA
     859.85                  PUD                                   PURCHASE                               30 YR FIXED                                      NO RATIO
     508.13                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     543.35                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     446.39                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NIVA
     887.82                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              SIVA
     467.15                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     795.09                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NIVA
    1451.47                  PUD                                   PURCHASE                               30 YR FIXED                                      NO RATIO
     565.65                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     770.56                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
    2364.12                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NIVA
     515.57                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NIVA
     681.54                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NIVA
     563.77                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NIVA
    1059.01                  PUD                                   RATE/TERM REFI                         FIXED BALLOON 30/15                              SIVA
       1707                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              NIVA
    2167.46                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NIVA
     656.17                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
      748.2                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NIVA
     937.48                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     385.55                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     449.81                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     520.12                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     466.42                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     312.56                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     312.92                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     281.28                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     224.75                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED                                      FULL/ALT DOC
     603.47                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     246.65                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED                                      FULL/ALT DOC
     235.41                  PUD                                   CASHOUT REFI                           30 YR FIXED                                      FULL/ALT DOC
     264.87                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
      332.6                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     462.05                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              SISA
     285.57                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED                                      FULL/ALT DOC
     149.47                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED                                      FULL/ALT DOC
      80.46                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     368.67                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     475.88                  CONDO                                 PURCHASE                               15 YR FIXED                                      FULL/ALT DOC
     683.31                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     153.72                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     268.28                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     275.07                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     152.34                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED                                      SISA
     338.47                  CONDO                                 RATE/TERM REFI                         FIXED BALLOON 30/15                              FULL/ALT DOC
        245                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     500.59                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     361.41                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     246.87                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SISA
     235.78                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SISA
     260.77                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     214.03                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     605.16                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     293.99                  PUD                                   PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     356.75                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              SIVA
     479.94                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
     331.85                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO DOC
     105.82                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO DOC
     386.66                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED                                      SISA
     143.08                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     188.16                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     573.72                  PUD                                   RATE/TERM REFI                         FIXED BALLOON 30/15                              SISA
     168.68                  CONDO                                 PURCHASE                               20 YR FIXED                                      SIVA
      746.1                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     217.44                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     140.03                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     660.68                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      SIVA
     494.39                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
     405.48                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     660.39                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     178.57                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     671.49                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
      266.9                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      SIVA
     177.01                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     166.93                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      NO RATIO
     437.24                  PUD                                   RATE/TERM REFI                         FIXED BALLOON 30/15                              SIVA
     431.09                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     480.07                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     222.78                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     458.99                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     314.38                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
      668.6                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     289.99                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
      195.5                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     457.37                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      NO RATIO
     560.17                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SISA
     856.94                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              SISA
     186.59                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     267.44                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     388.58                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
    1166.68                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SISA
     178.39                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     493.61                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      SIVA
     330.65                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     590.62                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SISA
      440.1                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     231.23                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      FULL/ALT DOC
     326.54                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
        245                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     145.01                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     181.08                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
     286.87                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              SIVA
     552.49                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     160.21                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
     199.97                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SISA
     482.83                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SISA
     278.92                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     539.02                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
      229.5                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     396.14                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SISA
     297.27                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     163.12                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      SISA
     198.34                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
     197.65                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
        245                  CONDO                                 PURCHASE                               30 YR FIXED                                      SIVA
     393.75                  PUD                                   PURCHASE                               30 YR FIXED                                      SISA
     226.34                  PUD                                   PURCHASE                               30 YR FIXED                                      SISA
     339.37                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      SIVA
     429.93                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      FULL/ALT DOC
     456.72                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     314.82                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     373.95                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
      348.5                  2-4 FAMILY                            PURCHASE                               FIXED BALLOON 30/15                              SIVA
     507.02                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
    2105.94                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     758.34                  CONDO                                 PURCHASE                               30 YR FIXED                                      SIVA
     232.16                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     243.06                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     409.08                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     156.61                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     251.74                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SISA
     328.52                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
    1034.34                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SISA
     341.85                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     739.71                  PUD                                   PURCHASE                               30 YR FIXED                                      NO RATIO
     134.98                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SISA
     127.69                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     142.48                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SISA
     208.11                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              NO RATIO
     230.53                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              SIVA
     496.62                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SISA
     548.99                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     577.07                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     364.42                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     233.57                  PUD                                   PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     375.18                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     568.01                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
      396.1                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SISA
     268.84                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
      246.5                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
     250.82                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SISA
     163.83                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      SISA
     688.49                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     192.24                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO DOC
     122.89                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     730.53                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     301.45                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     302.68                  CONDO                                 PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     480.75                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     149.82                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     431.09                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     826.08                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     264.29                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     288.32                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SISA
     399.44                  CONDO                                 PURCHASE                               30 YR FIXED                                      SIVA
     293.47                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     246.54                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
      256.7                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SISA
     822.33                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     153.78                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     199.44                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     324.62                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     495.95                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     308.75                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     614.45                  PUD                                   CASHOUT REFI                           30 YR FIXED                                      FULL/ALT DOC
     477.39                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      SIVA
     134.35                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     497.24                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
     260.32                  PUD                                   PURCHASE                               30 YR FIXED                                      SISA
     253.02                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     487.56                  PUD                                   PURCHASE                               30 YR FIXED                                      NO RATIO
     278.48                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SISA
     209.78                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
     577.68                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     200.67                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     292.65                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     297.79                  2-4 FAMILY                            PURCHASE                               FIXED BALLOON 30/15                              SIVA
      586.5                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
     438.14                  PUD                                   RATE/TERM REFI                         30 YR FIXED                                      SISA
     377.65                  SINGLE FAMILY                         PURCHASE                               20 YR FIXED                                      SISA
     170.34                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
         85                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     148.89                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     524.89                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SISA
     689.17                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     558.45                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      SISA
      312.8                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     530.55                  PUD                                   PURCHASE                               30 YR FIXED                                      NO RATIO
     307.59                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     518.48                  PUD                                   PURCHASE                               30 YR FIXED                                      NO DOC
     449.37                  PUD                                   PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     267.82                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     377.73                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     787.28                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              NO RATIO
     366.13                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     360.03                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     232.44                  PUD                                   RATE/TERM REFI                         30 YR FIXED                                      SISA
     231.73                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      NO RATIO
     131.88                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     393.23                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO DOC
     371.49                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
     239.48                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     552.49                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     164.18                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     313.66                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     563.91                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     382.07                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     658.74                  PUD                                   PURCHASE                               30 YR FIXED                                      SISA
     429.44                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     244.51                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     204.44                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              SIVA
     230.36                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              SIVA
      424.1                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     273.07                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SISA
     247.66                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SISA
      399.5                  PUD                                   CASHOUT REFI                           30 YR FIXED                                      SISA
     220.89                  PUD                                   PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     825.89                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     267.75                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
      289.1                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     461.17                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     398.47                  PUD                                   PURCHASE                               30 YR FIXED                                      NO DOC
     106.25                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     220.39                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              SIVA
     381.64                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              SIVA
     321.29                  CONDO                                 PURCHASE                               30 YR FIXED                                      SIVA
     748.84                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              SISA
     374.68                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     369.79                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SISA
      924.1                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      SISA
     685.67                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
      135.6                  SINGLE FAMILY                         CASHOUT REFI                           15 YR FIXED                                      SISA
     265.49                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO DOC
     716.88                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              SISA
      424.1                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     189.22                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              SIVA
      267.3                  CONDO                                 CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     233.75                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     127.25                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     230.43                  PUD                                   PURCHASE                               15 YR FIXED                                      SIVA
     612.41                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
      367.2                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
     498.31                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SISA
     189.15                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SISA
      262.4                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     454.06                  CONDO                                 PURCHASE                               30 YR FIXED                                      SISA
     280.21                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     243.95                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     607.59                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     289.99                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
      348.5                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
     175.84                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SISA
     464.09                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     157.34                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     140.04                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     320.27                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     382.36                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SISA
     869.48                  2-4 FAMILY                            PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     893.33                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     253.16                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     228.84                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     306.41                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     816.72                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
    1484.45                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
    1418.05                  2-4 FAMILY                            PURCHASE                               FIXED BALLOON 30/15                              SIVA
     673.25                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     714.51                  SINGLE FAMILY                         PURCHASE                               20 YR FIXED                                      SIVA
     272.91                  2-4 FAMILY                            PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     646.87                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     476.45                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     171.84                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     376.85                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     474.43                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SISA
     238.37                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
    1332.43                  2-4 FAMILY                            PURCHASE                               FIXED BALLOON 30/15                              SIVA
     856.42                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     164.58                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     354.27                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
      621.8                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     305.52                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     902.42                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     368.39                  2-4 FAMILY                            PURCHASE                               FIXED BALLOON 30/15                              SIVA
     1029.6                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SISA
     752.73                  CONDO                                 RATE/TERM REFI                         FIXED BALLOON 30/15                              FULL/ALT DOC
     604.37                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     417.91                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     238.79                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     307.87                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     788.39                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     496.63                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     337.47                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
    1617.67                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     612.15                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     595.43                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     1009.4                  2-4 FAMILY                            PURCHASE                               FIXED BALLOON 30/15                              SIVA
     915.59                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     369.44                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     947.84                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              SIVA
    2474.08                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
    3243.21                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     196.04                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     255.95                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     849.68                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     589.65                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
    1631.64                  SINGLE FAMILY                         PURCHASE                               20 YR FIXED                                      SIVA
     484.52                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     275.56                  2-4 FAMILY                            PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
    1301.11                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     1333.8                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     206.11                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     892.62                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
    1786.66                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     171.26                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     347.24                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
      322.6                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     241.95                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     340.34                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     194.26                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              NO DOC
      507.2                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     241.95                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     275.96                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     325.72                  CONDO                                 PURCHASE                               20 YR FIXED                                      FULL/ALT DOC
     490.99                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
    1046.54                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     240.16                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
    1796.84                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     387.01                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     171.84                  2-4 FAMILY                            CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     425.27                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     295.72                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
      553.3                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     460.51                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     369.44                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
    1227.04                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     251.83                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     247.33                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              FULL/ALT DOC
    2933.21                  2-4 FAMILY                            PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
      524.9                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     401.93                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     173.67                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SISA
     590.63                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     164.54                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     710.24                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     205.57                  2-4 FAMILY                            CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     339.67                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
      347.1                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     255.39                  2-4 FAMILY                            RATE/TERM REFI                         FIXED BALLOON 30/15                              SIVA
     501.35                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     791.38                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     560.17                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     415.84                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     667.76                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              SIVA
     322.04                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     176.99                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     292.91                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     931.38                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     578.21                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     190.87                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     782.34                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     279.06                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     526.53                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     577.24                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     202.12                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     342.84                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
      471.4                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
    1098.85                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     381.56                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SISA
     384.22                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     407.15                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     537.47                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     201.81                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     773.98                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              SIVA
     198.05                  2-4 FAMILY                            RATE/TERM REFI                         FIXED BALLOON 30/15                              FULL/ALT DOC
     795.29                  2-4 FAMILY                            PURCHASE                               FIXED BALLOON 40/15                              SIVA
      677.8                  PUD                                   PURCHASE                               FIXED BALLOON 40/15                              SISA
     154.53                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     458.05                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 40/15                              SIVA
     471.41                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     586.04                  SINGLE FAMILY                         PURCHASE                               20 YR FIXED IO                                   FULL/ALT DOC
     406.64                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SISA
      350.5                  CONDO                                 CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     478.13                  PUD                                   PURCHASE                               20 YR FIXED IO                                   FULL/ALT DOC
    2189.16                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     392.04                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      FULL/ALT DOC
     606.68                  CONDO                                 PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     772.73                  SINGLE FAMILY                         CASHOUT REFI                           15 YR FIXED                                      FULL/ALT DOC
     183.18                  CONDO                                 PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
      331.5                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     307.52                  PUD                                   PURCHASE                               30 YR FIXED                                      NO RATIO
     291.28                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
      500.2                  PUD                                   PURCHASE                               30 YR FIXED                                      NO RATIO
     376.24                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SISA
     968.42                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SISA
     736.02                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     289.95                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO DOC
     292.13                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      FULL/ALT DOC
     316.21                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     280.21                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED                                      SISA
     446.88                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   FULL/ALT DOC
     602.44                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   NIVA
     773.52                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
     526.74                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      SISA
     356.75                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO DOC
     318.65                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   NIVA
     428.38                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NIVA
     418.14                  PUD                                   PURCHASE                               30 YR FIXED                                      NO RATIO
     254.61                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      FULL/ALT DOC
     256.09                  2-4 FAMILY                            PURCHASE                               FIXED BALLOON 30/15 IO                           SIVA
     684.46                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      SISA
     589.18                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO DOC
     806.85                  CONDO                                 PURCHASE                               30 YR FIXED                                      NIVA
     429.58                  PUD                                   PURCHASE                               30 YR FIXED                                      NIVA
     375.78                  PUD                                   PURCHASE                               30 YR FIXED                                      NIVA
     541.88                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   NIVA
     286.73                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NIVA
     455.53                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      SIVA
     290.88                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NIVA
     527.05                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      NIVA
     279.96                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED                                      NO RATIO
     442.86                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     112.69                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
      180.3                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     211.46                  PUD                                   PURCHASE                               30 YR FIXED                                      NIVA
    1421.88                  2-4 FAMILY                            CASHOUT REFI                           FIXED BALLOON 30/15 IO                           SISA
      381.6                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED                                      NIVA
     995.95                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     256.33                  CONDO                                 PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     410.85                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
    1821.92                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NIVA
      512.5                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   NIVA
      585.3                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      FULL/ALT DOC
     115.13                  PUD                                   RATE/TERM REFI                         30 YR FIXED                                      FULL/ALT DOC
     455.22                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NIVA
     382.36                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     411.92                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     364.06                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     495.73                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     184.72                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
        359                  PUD                                   PURCHASE                               30 YR FIXED                                      NIVA
     438.74                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     356.45                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     177.14                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     493.36                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     199.72                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      FULL/ALT DOC
     550.82                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      SIVA
     623.78                  PUD                                   PURCHASE                               30 YR FIXED                                      NIVA
      161.8                  PUD                                   PURCHASE                               30 YR FIXED                                      NO RATIO
     508.81                  PUD                                   PURCHASE                               30 YR FIXED                                      NO RATIO
     348.64                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     438.04                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     237.05                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     274.95                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO DOC
     414.66                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
      744.7                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     516.77                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     383.03                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     276.44                  PUD                                   PURCHASE                               30 YR FIXED                                      NO RATIO
      287.4                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     555.06                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     252.26                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
        452                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     366.95                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     452.44                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      SISA
     199.11                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     397.37                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      SISA
     774.81                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     316.22                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO DOC
    1063.83                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     906.11                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO DOC
     554.96                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     827.13                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     815.27                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              SIVA
      515.1                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              SISA
     890.74                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     187.58                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              NO DOC
    1036.14                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
      310.8                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     282.55                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      NO DOC
     227.17                  PUD                                   PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     495.35                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
      290.3                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              SIVA
     418.65                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              SIVA
     394.48                  CONDO                                 PURCHASE                               30 YR FIXED                                      SIVA
     486.81                  CONDO                                 PURCHASE                               30 YR FIXED                                      SISA
     631.54                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
    1247.37                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     643.17                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     954.11                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SISA
    1315.97                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     598.88                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SISA
      953.2                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     775.66                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     970.09                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
    1036.14                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     430.45                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
    1946.22                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
      823.2                  CONDO                                 PURCHASE                               30 YR FIXED                                      NO RATIO
     202.73                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              SISA
     607.35                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     266.76                  SINGLE FAMILY                         CASHOUT REFI                           15 YR FIXED                                      SIVA
     503.33                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     380.55                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     619.58                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     285.55                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     440.93                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     572.06                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     419.14                  CONDO                                 PURCHASE                               30 YR FIXED                                      NO RATIO
     139.84                  SINGLE FAMILY                         PURCHASE                               15 YR FIXED                                      NO DOC
     535.07                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              SIVA
     657.85                  PUD                                   PURCHASE                               15 YR FIXED                                      FULL/ALT DOC
     940.38                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     776.59                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     315.31                  CONDO                                 PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     343.49                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
      345.8                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO DOC
     255.68                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
      474.1                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
      313.3                  PUD                                   PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     693.59                  PUD                                   PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     428.64                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     542.82                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     330.33                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     417.62                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     389.45                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     355.08                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SISA
    1523.16                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      FULL/ALT DOC
     357.14                  PUD                                   PURCHASE                               30 YR FIXED                                      NO DOC
     275.14                  2-4 FAMILY                            CASHOUT REFI                           30 YR FIXED                                      FULL/ALT DOC
     314.88                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     615.48                  CONDO                                 PURCHASE                               30 YR FIXED                                      NO RATIO
     255.91                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
    1224.56                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     327.44                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO DOC
     251.75                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
     790.16                  PUD                                   PURCHASE                               30 YR FIXED                                      NO RATIO
     297.91                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              SIVA
     235.87                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     437.07                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     530.98                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     191.03                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
    1693.52                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     786.46                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              SISA
      990.3                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
      183.9                  PUD                                   CASHOUT REFI                           30 YR FIXED                                      SIVA
     354.04                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
      192.6                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     745.86                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     407.11                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
      321.4                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     838.68                  CONDO                                 PURCHASE                               30 YR FIXED                                      SIVA
     164.47                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
    3069.77                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
     358.99                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     329.96                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     235.88                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     524.67                  2-4 FAMILY                            CASHOUT REFI                           30 YR FIXED                                      NO DOC
     199.15                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
    2357.35                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      SISA
    2561.42                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
      540.5                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     195.66                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     631.32                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     1659.3                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      SIVA
     361.57                  2-4 FAMILY                            PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     700.66                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     1724.7                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     546.58                  2-4 FAMILY                            PURCHASE                               FIXED BALLOON 30/15                              SIVA
     248.13                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      SIVA
    1455.22                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     485.85                  2-4 FAMILY                            PURCHASE                               FIXED BALLOON 30/15                              SIVA
     528.54                  PUD                                   CASHOUT REFI                           30 YR FIXED                                      NO RATIO
     797.94                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
    4333.12                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     282.87                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SISA
      171.6                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     192.47                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SISA
     356.66                  PUD                                   CASHOUT REFI                           30 YR FIXED                                      SIVA
     170.12                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     562.63                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     429.01                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      SIVA
     683.72                  CONDO                                 PURCHASE                               30 YR FIXED                                      SIVA
     373.66                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
    1096.44                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      SISA
     281.67                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      SIVA
     328.29                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     645.02                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO DOC
     645.49                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
    1677.35                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     231.03                  CONDO                                 PURCHASE                               30 YR FIXED                                      SIVA
     460.88                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
      493.4                  PUD                                   PURCHASE                               30 YR FIXED                                      SISA
     386.39                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     515.01                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO DOC
     397.16                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
      355.4                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              SIVA
     220.46                  PUD                                   PURCHASE                               30 YR FIXED                                      SISA
     414.16                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO DOC
     170.12                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     251.39                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SISA
     246.06                  CONDO                                 PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     393.36                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     145.84                  CONDO                                 PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     289.67                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     272.36                  SINGLE FAMILY                         PURCHASE                               15 YR FIXED                                      NO RATIO
    1338.54                  PUD                                   PURCHASE                               30 YR FIXED                                      NO RATIO
      234.8                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     230.91                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     237.08                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     357.52                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     465.33                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     415.92                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              SISA
     943.49                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
    1130.54                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     310.39                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     990.26                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
      99.47                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     832.83                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      SIVA
     437.65                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     396.53                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO DOC
     529.81                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO DOC
     587.34                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
    1237.86                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              NIVA
     467.33                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
      847.9                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     666.01                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     483.82                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     638.28                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO DOC
     487.37                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
      560.3                  2-4 FAMILY                            PURCHASE                               FIXED BALLOON 30/15                              SIVA
     359.54                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     372.26                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NIVA
      546.1                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SISA
     800.44                  PUD                                   RATE/TERM REFI                         FIXED BALLOON 30/15                              SIVA
     326.23                  2-4 FAMILY                            RATE/TERM REFI                         FIXED BALLOON 30/15                              NO DOC
     432.24                  2-4 FAMILY                            PURCHASE                               FIXED BALLOON 30/15                              SIVA
     942.91                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     598.42                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     544.45                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      FULL/ALT DOC
     739.36                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SISA
     374.91                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO DOC
     733.32                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO DOC
     200.06                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SISA
     381.01                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     323.65                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO DOC
     517.55                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     313.72                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     933.48                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              NO DOC
     466.21                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     464.33                  2-4 FAMILY                            PURCHASE                               FIXED BALLOON 30/15                              NO DOC
     720.03                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     761.19                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO DOC
     765.25                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     635.39                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     770.02                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              NO DOC
     162.15                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              SIVA
     1516.6                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO DOC
     420.56                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     341.08                  SINGLE FAMILY                         PURCHASE                               15 YR FIXED                                      FULL/ALT DOC
     133.43                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SISA
     320.89                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     835.19                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NIVA
     282.55                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NIVA
     423.08                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     262.01                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
      98.12                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NIVA
     394.39                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     242.03                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     533.19                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SISA
     780.63                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SISA
     786.26                  2-4 FAMILY                            PURCHASE                               FIXED BALLOON 30/15                              SIVA
     306.14                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              SIVA
     526.92                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     369.68                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NIVA
     610.02                  2-4 FAMILY                            PURCHASE                               FIXED BALLOON 30/15                              SISA
     363.92                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              SISA
     1106.2                  2-4 FAMILY                            PURCHASE                               FIXED BALLOON 30/15                              NO DOC
     446.14                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     461.47                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     445.55                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     284.65                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     621.62                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SISA
     385.45                  PUD                                   PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
      469.2                  PUD                                   PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     559.36                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     702.09                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SISA
     509.88                  PUD                                   PURCHASE                               FIXED BALLOON 30/15 IO                           FULL/ALT DOC
     569.34                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     440.89                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NIVA
     573.16                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     785.58                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     282.96                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     749.27                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
      614.4                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     420.53                  PUD                                   PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     270.19                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     740.01                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO DOC
      805.4                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     462.38                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     597.55                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     364.22                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     470.93                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     434.12                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     489.72                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     232.79                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
      736.3                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     566.24                  PUD                                   PURCHASE                               30 YR FIXED                                      NO RATIO
     761.77                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     936.54                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     528.22                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
      269.3                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SISA
     639.03                  PUD                                   PURCHASE                               30 YR FIXED                                      NO RATIO
     762.34                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     267.07                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     735.28                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     831.44                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     308.09                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     351.53                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     507.64                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     615.28                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     374.27                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     618.56                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     131.23                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     415.09                  PUD                                   PURCHASE                               30 YR FIXED IO                                   FULL/ALT DOC
     488.15                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     406.82                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     288.38                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     522.98                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     327.42                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     484.48                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     387.25                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     455.97                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     436.12                  PUD                                   PURCHASE                               30 YR FIXED                                      NO RATIO
     268.08                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     492.76                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     545.25                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     234.61                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SISA
    1205.01                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO DOC
     375.42                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     498.08                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     537.04                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     381.12                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     362.17                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     805.14                  PUD                                   PURCHASE                               FIXED BALLOON 30/15 IO                           SIVA
     575.13                  PUD                                   PURCHASE                               15 YR FIXED                                      FULL/ALT DOC
      417.6                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     210.96                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     351.56                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
      315.3                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              NIVA
     261.92                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              SIVA
     290.26                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     702.26                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     149.42                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              NO DOC
     127.67                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              NO DOC
     657.92                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              SIVA
     957.12                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     274.13                  CONDO                                 CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     327.94                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     208.14                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              SIVA
    1521.38                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              FULL/ALT DOC
     627.58                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              SIVA
     323.57                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     395.12                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     184.33                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     439.31                  2-4 FAMILY                            CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     177.82                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              SIVA
     278.28                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
      545.3                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              NIVA
     336.19                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     437.87                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     431.88                  PUD                                   RATE/TERM REFI                         FIXED BALLOON 30/15                              FULL/ALT DOC
     224.13                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     276.47                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              NIVA
     398.57                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     115.14                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     439.69                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              SIVA
     288.66                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              NIVA
     193.32                  2-4 FAMILY                            CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     193.32                  2-4 FAMILY                            CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     923.45                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     310.95                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     202.12                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     201.77                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     259.34                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              FULL/ALT DOC
     581.62                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
      753.1                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     446.12                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     258.01                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              SIVA
     807.62                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              NO DOC
     286.08                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              SIVA
    1067.89                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              FULL/ALT DOC
     124.17                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              NIVA
     459.97                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     291.56                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              FULL/ALT DOC
     313.65                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              SIVA
     457.96                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     161.51                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NIVA
     267.49                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     416.77                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
    1193.01                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     500.97                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     856.51                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     430.01                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     349.08                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              FULL/ALT DOC
     176.18                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     311.76                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              FULL/ALT DOC
     219.81                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              NIVA
      96.23                  2-4 FAMILY                            CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     496.27                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     741.61                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              NIVA
     341.86                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     436.79                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     301.01                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              SIVA
     276.51                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     272.58                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              SIVA
     322.51                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     118.97                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              FULL/ALT DOC
     445.62                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              SIVA
      376.3                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     336.49                  CONDO                                 CASHOUT REFI                           FIXED BALLOON 30/15                              NIVA
     377.44                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
        269                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     451.51                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              SIVA
     404.17                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              NIVA
     430.01                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              SIVA
     362.84                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              SISA
     153.73                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              NO DOC
     461.84                  CONDO                                 CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     834.49                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              SIVA
    1225.53                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     203.71                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     298.46                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     146.31                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     361.21                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     396.81                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     221.46                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NIVA
     304.68                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              FULL/ALT DOC
     147.23                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO DOC
     311.76                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     319.74                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     288.16                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     462.26                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     265.45                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     272.65                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              SIVA
     375.17                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     251.88                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     667.39                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NIVA
     375.99                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     194.85                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              NO DOC
     199.96                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     384.22                  PUD                                   RATE/TERM REFI                         FIXED BALLOON 30/15                              SIVA
     453.05                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NIVA
     348.72                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     151.13                  2-4 FAMILY                            PURCHASE                               FIXED BALLOON 30/15                              SIVA
     436.24                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     233.02                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     429.03                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NIVA
     203.55                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     419.26                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     677.27                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NIVA
     312.78                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     747.09                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     475.04                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NIVA
     504.03                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     170.87                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              NIVA
     527.82                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     180.57                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NIVA
     285.83                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     411.44                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NIVA
     320.14                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     599.83                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     148.43                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SISA
     240.43                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              SIVA
     309.61                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     578.02                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NIVA
     132.15                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              SIVA
     693.04                  PUD                                   RATE/TERM REFI                         FIXED BALLOON 30/15                              FULL/ALT DOC
     374.11                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     296.11                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NIVA
     309.13                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     275.98                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     405.24                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
        409                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     256.68                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     410.68                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              SIVA
     370.89                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     396.56                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     698.77                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              NIVA
     448.25                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
      99.42                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              FULL/ALT DOC
     188.13                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     302.45                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     483.77                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     387.71                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              NIVA
     329.36                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     150.98                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO DOC
     160.18                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     323.03                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     155.29                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO DOC
     274.83                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     339.71                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     594.41                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              NIVA
      278.5                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     665.26                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              SIVA
    1062.57                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     460.11                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     201.68                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              NIVA
      305.5                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              SIVA
     150.87                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              FULL/ALT DOC
    1746.28                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     268.49                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     348.99                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     212.86                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     365.51                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     516.65                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              SIVA
     348.32                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              NO DOC
     552.23                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              FULL/ALT DOC
     580.52                  PUD                                   RATE/TERM REFI                         FIXED BALLOON 30/15                              FULL/ALT DOC
     576.22                  PUD                                   RATE/TERM REFI                         FIXED BALLOON 30/15                              FULL/ALT DOC
        171                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NIVA
     635.69                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NIVA
     537.52                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     679.42                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     300.42                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     217.65                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              NO DOC
     326.81                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     284.44                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              FULL/ALT DOC
     278.37                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              SISA
     304.24                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              SIVA
     781.75                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              NO DOC
     350.07                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     776.02                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              NO DOC
     198.74                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              NO DOC
     406.67                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     313.35                  PUD                                   RATE/TERM REFI                         FIXED BALLOON 30/15                              SIVA
     460.23                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              SIVA
     200.84                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              SIVA
      144.5                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              FULL/ALT DOC
     359.06                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     677.27                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              NIVA
     593.69                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              FULL/ALT DOC
     322.51                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              FULL/ALT DOC
     559.02                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     110.27                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              NO DOC
     374.11                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              SIVA
     217.63                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     187.89                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     367.27                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              NO DOC
     402.74                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     612.77                  PUD                                   RATE/TERM REFI                         FIXED BALLOON 30/15                              SIVA
     534.99                  PUD                                   RATE/TERM REFI                         FIXED BALLOON 30/15                              FULL/ALT DOC
     214.43                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              SIVA
     725.74                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     287.58                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     320.76                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     478.39                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     252.53                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     245.16                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     220.53                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              SIVA
     475.67                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     376.26                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              NIVA
     249.41                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              FULL/ALT DOC
     820.78                  2-4 FAMILY                            CASHOUT REFI                           FIXED BALLOON 30/15                              NIVA
     430.01                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     615.54                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              SIVA
    1337.22                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     706.83                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     134.14                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     378.95                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              FULL/ALT DOC
        253                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              NO DOC
     431.25                  CONDO                                 RATE/TERM REFI                         FIXED BALLOON 30/15                              FULL/ALT DOC
     333.26                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              SIVA
     281.66                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     275.25                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NIVA
     300.04                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              SIVA
     285.03                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              FULL/ALT DOC
     976.55                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     298.86                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     202.69                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     197.63                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              NO DOC
    1139.53                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              NIVA
      578.8                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     381.93                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     269.19                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              SIVA
     109.99                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              NIVA
     183.32                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     109.97                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              NO DOC
     161.16                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NIVA
     580.52                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              NO DOC
     415.54                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     154.28                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              NO DOC
     584.49                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     397.76                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              SIVA
     328.72                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              NIVA
     171.34                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
      279.9                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     117.31                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     323.15                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              FULL/ALT DOC
     153.88                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     733.41                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     244.67                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              NO DOC
      704.4                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     379.49                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NIVA
     386.74                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     402.67                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              SIVA
     677.76                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
        702                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              NIVA
     362.87                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NIVA
     826.32                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              SIVA
     290.26                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     439.69                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              SIVA
     169.86                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     544.38                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              SIVA
     327.51                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     458.93                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     170.77                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     276.65                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              SIVA
     724.42                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     225.91                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
       99.8                  CONDO                                 CASHOUT REFI                           FIXED BALLOON 30/15                              NO DOC
     330.15                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              FULL/ALT DOC
     275.36                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NIVA
     248.94                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              NO DOC
     417.01                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     655.77                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              NIVA
     376.55                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     152.67                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     841.89                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              NO DOC
      293.5                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     401.16                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              NIVA
     502.04                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     303.16                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              FULL/ALT DOC
      282.2                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              FULL/ALT DOC
        773                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              SIVA
    1290.03                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     550.71                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     353.54                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              SIVA
     560.65                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     387.01                  CONDO                                 RATE/TERM REFI                         FIXED BALLOON 30/15                              SIVA
     251.54                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              FULL/ALT DOC
     426.91                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
    1293.26                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              SIVA
      544.1                  2-4 FAMILY                            CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     766.83                  CONDO                                 CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     269.03                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     683.07                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              NO DOC
     423.46                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     262.46                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     240.32                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     919.15                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
      994.4                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     257.42                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              FULL/ALT DOC
    1952.16                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     231.45                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     691.67                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              NO DOC
     203.77                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     816.17                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     270.55                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
      319.6                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     482.41                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
    1067.26                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              NIVA
     511.76                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              NIVA
     177.43                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              NIVA
     240.85                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              NIVA
     597.11                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              NIVA
     548.87                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     617.17                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
      454.9                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     623.52                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              NIVA
      283.4                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              NIVA
     236.39                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
    1412.84                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
    1306.17                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              NIVA
     169.64                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              NIVA
     874.54                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              SIVA
     189.67                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     324.02                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     369.39                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              SIVA
     376.26                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
    1608.67                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     532.34                  CONDO                                 CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     937.49                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     302.89                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     688.02                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              NIVA
     212.57                  CONDO                                 CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     872.66                  CONDO                                 RATE/TERM REFI                         FIXED BALLOON 30/15                              SIVA
     626.29                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     389.91                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
    1018.54                  CONDO                                 CASHOUT REFI                           FIXED BALLOON 30/15                              NIVA
     908.12                  CONDO                                 CASHOUT REFI                           FIXED BALLOON 30/15                              NO DOC
      582.4                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              NO DOC
     494.98                  CONDO                                 RATE/TERM REFI                         FIXED BALLOON 30/15                              SIVA
     645.02                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     563.74                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     731.02                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     849.27                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     528.22                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     865.13                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     404.18                  CONDO                                 CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     475.04                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              NIVA
     330.57                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              FULL/ALT DOC
     403.14                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     337.02                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     428.65                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
      344.8                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     561.97                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     533.97                  2-4 FAMILY                            RATE/TERM REFI                         FIXED BALLOON 30/15                              NIVA
     619.76                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              NIVA
     905.53                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     318.28                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     627.15                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     806.45                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     204.96                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
    1164.02                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     426.13                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     370.89                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              SIVA
     215.01                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              NIVA
     812.65                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              NIVA
     277.56                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     612.06                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              NIVA
     592.71                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              NIVA
     552.84                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     806.27                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              NO DOC
     255.76                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              FULL/ALT DOC
    1921.07                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     218.12                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     897.65                  PUD                                   RATE/TERM REFI                         FIXED BALLOON 30/15                              SIVA
     797.31                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     509.57                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     788.16                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              NO DOC
    1254.29                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     743.06                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              NO DOC
    1302.63                  2-4 FAMILY                            CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     826.31                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     310.14                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              FULL/ALT DOC
     435.39                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     567.26                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     268.76                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
      326.9                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     937.43                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              NIVA
     969.14                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     647.13                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              NO DOC
     272.08                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     216.91                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     343.51                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     548.87                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              NIVA
     241.47                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     480.75                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
    1795.29                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     349.23                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              NIVA
     511.51                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              NIVA
     415.25                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     584.28                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     490.77                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     598.28                  PUD                                   PURCHASE                               FIXED BALLOON 30/15 IO                           NO RATIO
     487.15                  PUD                                   PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     633.76                  PUD                                   PURCHASE                               30 YR FIXED                                      NO RATIO
    1042.99                  PUD                                   PURCHASE                               30 YR FIXED                                      NO RATIO
     469.25                  PUD                                   PURCHASE                               30 YR FIXED                                      NO RATIO
     733.83                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
      532.3                  PUD                                   PURCHASE                               30 YR FIXED                                      NO RATIO
    1029.68                  PUD                                   PURCHASE                               30 YR FIXED                                      NO RATIO
     362.92                  PUD                                   PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     542.14                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     442.11                  PUD                                   PURCHASE                               30 YR FIXED                                      NO RATIO
      435.9                  PUD                                   PURCHASE                               30 YR FIXED                                      NO RATIO
     501.26                  PUD                                   PURCHASE                               30 YR FIXED                                      NIVA
     514.38                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     676.64                  PUD                                   PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
    1198.54                  PUD                                   PURCHASE                               30 YR FIXED                                      SISA
     817.65                  PUD                                   PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     458.63                  PUD                                   PURCHASE                               30 YR FIXED                                      NIVA
     442.27                  PUD                                   PURCHASE                               30 YR FIXED IO                                   NO RATIO
     780.43                  PUD                                   PURCHASE                               30 YR FIXED IO                                   FULL/ALT DOC
     621.61                  PUD                                   PURCHASE                               30 YR FIXED IO                                   NO RATIO
     866.61                  PUD                                   PURCHASE                               30 YR FIXED IO                                   NO RATIO
     778.04                  PUD                                   PURCHASE                               30 YR FIXED IO                                   NIVA
    1539.22                  PUD                                   PURCHASE                               30 YR FIXED IO                                   NO RATIO
     845.24                  PUD                                   PURCHASE                               30 YR FIXED IO                                   NO RATIO
      304.8                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
    1841.67                  PUD                                   PURCHASE                               30 YR FIXED IO                                   NO RATIO
      317.9                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     358.21                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     342.65                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
      434.6                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     463.32                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     560.06                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     544.59                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     355.84                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
    1596.44                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     598.14                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO DOC
     643.75                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     738.03                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO DOC
     512.45                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     597.66                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     599.94                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
    1291.75                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NIVA
     396.65                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     458.46                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     397.69                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     425.54                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     437.51                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     526.56                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     550.74                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
      675.4                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     489.07                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     440.53                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     771.99                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NIVA
     487.64                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     763.61                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     705.45                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     550.15                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     574.09                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     738.79                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO DOC
     452.92                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     438.57                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     398.07                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     672.08                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
      713.8                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     381.47                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     504.38                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     334.05                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     334.17                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     476.45                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     689.78                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     267.65                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
    1091.27                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     542.41                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SISA
     543.24                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     188.87                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     408.12                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     321.69                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SISA
     465.56                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     808.89                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     348.18                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     499.67                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
      351.4                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SISA
     279.78                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     292.43                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     458.73                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     572.86                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     236.79                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SISA
     486.21                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     357.73                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     530.22                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     217.86                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SISA
     113.08                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     234.25                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     250.65                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SISA
      191.1                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     258.32                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SISA
     134.56                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     478.49                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
      346.9                  PUD                                   PURCHASE                               15 YR FIXED                                      FULL/ALT DOC
     324.87                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     244.89                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     398.18                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     162.79                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
       90.9                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     141.56                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     746.11                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     610.19                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     845.73                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
      500.4                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO DOC
     795.13                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
      940.8                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
      261.9                  PUD                                   CASHOUT REFI                           30 YR FIXED                                      FULL/ALT DOC
     478.88                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      FULL/ALT DOC
      538.7                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
      238.8                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
    1080.04                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     546.76                  PUD                                   CASHOUT REFI                           30 YR FIXED                                      SIVA
     468.47                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED                                      FULL/ALT DOC
     702.52                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      FULL/ALT DOC
     206.02                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      FULL/ALT DOC
     390.36                  SINGLE FAMILY                         CASHOUT REFI                           20 YR FIXED                                      FULL/ALT DOC
     464.04                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     364.36                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     222.98                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      FULL/ALT DOC
     255.21                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
      250.4                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     386.22                  CONDO                                 CASHOUT REFI                           30 YR FIXED                                      FULL/ALT DOC
     267.75                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     230.67                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     559.88                  SINGLE FAMILY                         PURCHASE                               25 YR FIXED IO                                   FULL/ALT DOC
      472.5                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15 IO                           FULL/ALT DOC
     319.47                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     626.08                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     189.97                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED                                      SIVA
     227.92                  CONDO                                 CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     589.31                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
    1464.36                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     275.58                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     253.77                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     395.75                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     658.11                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     692.22                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     416.59                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              NO DOC
      309.3                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      FULL/ALT DOC
     990.29                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     808.08                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     224.57                  CONDO                                 PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     339.59                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      NIVA
      424.3                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      SISA
     287.42                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NIVA
     137.73                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
      365.9                  PUD                                   CASHOUT REFI                           30 YR FIXED                                      NO RATIO
      352.2                  CONDO                                 RATE/TERM REFI                         30 YR FIXED                                      SISA
     730.47                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     407.79                  CONDO                                 PURCHASE                               30 YR FIXED                                      SIVA
     454.54                  CONDO                                 PURCHASE                               30 YR FIXED                                      NO DOC
     452.53                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      NO RATIO
     506.24                  PUD                                   PURCHASE                               30 YR FIXED                                      NIVA
     406.04                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     286.67                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   FULL/ALT DOC
     868.19                  CONDO                                 PURCHASE                               30 YR FIXED IO                                   SIVA
     115.41                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      SIVA
     210.97                  PUD                                   PURCHASE                               30 YR FIXED IO                                   NIVA
     420.78                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      NO DOC
     467.36                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   NIVA
     447.87                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     309.25                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     302.39                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     206.46                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              NIVA
     245.02                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED                                      FULL/ALT DOC
     368.29                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     666.95                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     709.45                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NIVA
     311.47                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      SISA
     218.05                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              NIVA
     252.09                  PUD                                   PURCHASE                               30 YR FIXED                                      NIVA
     300.18                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NIVA
     968.23                  2-4 FAMILY                            CASHOUT REFI                           30 YR FIXED                                      NO RATIO
     708.04                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NIVA
    1171.88                  SINGLE FAMILY                         CASHOUT REFI                           25 YR FIXED IO                                   SIVA
      992.9                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      NO RATIO
     273.29                  PUD                                   PURCHASE                               30 YR FIXED                                      NO RATIO
     505.13                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NIVA
     394.03                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
      423.8                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              NO RATIO
     192.55                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     327.02                  CONDO                                 CASHOUT REFI                           30 YR FIXED                                      SISA
     187.83                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO DOC
     223.04                  PUD                                   PURCHASE                               30 YR FIXED                                      NIVA
     343.03                  CONDO                                 PURCHASE                               30 YR FIXED                                      NO DOC
     717.48                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NIVA
     745.93                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
     384.85                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     277.85                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      NO RATIO
      625.4                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     978.47                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     768.48                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NIVA
     158.08                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO DOC
      460.7                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
      460.7                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     573.56                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NIVA
     349.26                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO DOC
     572.22                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
    1021.25                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   NIVA
     269.12                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      NO RATIO
     606.68                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     244.56                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              NO RATIO
     570.41                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     264.87                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     214.67                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     483.47                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     424.93                  2-4 FAMILY                            CASHOUT REFI                           30 YR FIXED                                      NO RATIO
     394.03                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO DOC
     120.62                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     306.93                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SISA
     704.44                  PUD                                   PURCHASE                               30 YR FIXED                                      NIVA
     986.41                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   NIVA
     614.68                  PUD                                   PURCHASE                               30 YR FIXED                                      NO RATIO
     878.12                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     358.82                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     266.16                  PUD                                   PURCHASE                               30 YR FIXED                                      NIVA
     238.23                  PUD                                   PURCHASE                               30 YR FIXED                                      NIVA
     355.82                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     248.89                  PUD                                   PURCHASE                               30 YR FIXED                                      NIVA
     683.23                  PUD                                   PURCHASE                               30 YR FIXED                                      NIVA
     364.38                  PUD                                   PURCHASE                               30 YR FIXED IO                                   FULL/ALT DOC
     355.27                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
     151.68                  SINGLE FAMILY                         PURCHASE                               15 YR FIXED                                      FULL/ALT DOC
     565.31                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NIVA
     444.47                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     370.16                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     415.07                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
     743.37                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     430.44                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     452.25                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      FULL/ALT DOC
     779.88                  PUD                                   PURCHASE                               30 YR FIXED                                      NIVA
     419.25                  SINGLE FAMILY                         PURCHASE                               25 YR FIXED IO                                   FULL/ALT DOC
     268.06                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NIVA
    1178.61                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SISA
     311.95                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     594.38                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NIVA
     840.85                  2-4 FAMILY                            CASHOUT REFI                           FIXED BALLOON 30/15                              NO RATIO
     151.89                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     1182.9                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      SISA
     305.52                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              FULL/ALT DOC
     987.21                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     372.01                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     568.18                  PUD                                   PURCHASE                               30 YR FIXED                                      NIVA
     575.84                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NIVA
    1728.64                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     143.26                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     250.29                  SINGLE FAMILY                         CASHOUT REFI                           15 YR FIXED                                      FULL/ALT DOC
     379.38                  PUD                                   PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     339.35                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
      508.2                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     475.34                  2-4 FAMILY                            CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     133.41                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              FULL/ALT DOC
        329                  CONDO                                 PURCHASE                               30 YR FIXED                                      SIVA
     868.09                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     674.74                  PUD                                   PURCHASE                               30 YR FIXED                                      NIVA
     338.34                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     220.13                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
    1061.85                  PUD                                   PURCHASE                               30 YR FIXED IO                                   NO DOC
     489.58                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
      689.7                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   NO RATIO
     995.09                  PUD                                   PURCHASE                               30 YR FIXED IO                                   FULL/ALT DOC
     196.15                  PUD                                   PURCHASE                               30 YR FIXED IO                                   NO RATIO
     733.33                  PUD                                   PURCHASE                               30 YR FIXED IO                                   FULL/ALT DOC
     380.56                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SISA
     443.38                  PUD                                   PURCHASE                               30 YR FIXED IO                                   FULL/ALT DOC
        325                  PUD                                   PURCHASE                               30 YR FIXED IO                                   NO RATIO
     693.81                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SISA
     727.33                  PUD                                   PURCHASE                               FIXED BALLOON 30/15 IO                           SIVA
     1073.2                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15 IO                           NO RATIO
     613.88                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     258.82                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     455.16                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     669.67                  PUD                                   PURCHASE                               30 YR FIXED                                      SISA
     887.81                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NIVA
     607.17                  PUD                                   PURCHASE                               30 YR FIXED                                      NO RATIO
     565.62                  PUD                                   PURCHASE                               30 YR FIXED                                      NO RATIO
     616.04                  PUD                                   PURCHASE                               30 YR FIXED                                      NIVA
     511.42                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     406.55                  PUD                                   PURCHASE                               30 YR FIXED                                      NO RATIO
     545.68                  PUD                                   PURCHASE                               30 YR FIXED                                      NIVA
      450.3                  PUD                                   PURCHASE                               30 YR FIXED                                      NO RATIO
     270.92                  PUD                                   PURCHASE                               30 YR FIXED                                      NO RATIO
     333.65                  PUD                                   PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     616.36                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     335.25                  PUD                                   PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     354.73                  PUD                                   PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     473.16                  PUD                                   PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     328.14                  PUD                                   PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     286.08                  PUD                                   PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     771.79                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     480.83                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     681.47                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     514.35                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     990.79                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SISA
     412.45                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NIVA
     330.68                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO DOC
     185.46                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     376.08                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SISA
     553.77                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     798.42                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     622.53                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SISA
     1111.9                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     382.62                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NIVA
     689.73                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     486.26                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     729.44                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     347.96                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     515.48                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
      481.5                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     400.25                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
        391                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
      482.4                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     161.97                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     399.05                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     480.29                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     561.83                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     473.07                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     420.07                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     474.01                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
    1272.05                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     350.94                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     218.25                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
    1600.06                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     420.38                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     450.85                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
    1117.77                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
      452.7                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     508.29                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     405.36                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     300.94                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     364.01                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     515.01                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     474.62                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     335.11                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     744.28                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     576.67                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     462.47                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
      174.5                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     565.14                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     210.31                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     363.88                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     206.42                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     380.11                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     312.93                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     858.18                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     447.96                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     582.47                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     329.23                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     344.33                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     520.09                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     347.44                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     364.35                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     202.74                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
      189.3                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     160.82                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     286.04                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     388.47                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
      270.2                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     115.68                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     510.89                  PUD                                   PURCHASE                               15 YR FIXED                                      FULL/ALT DOC
      148.8                  PUD                                   PURCHASE                               15 YR FIXED                                      FULL/ALT DOC
     415.58                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO DOC
     486.19                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO DOC
     449.25                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     348.38                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO DOC
    1067.02                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     388.88                  PUD                                   PURCHASE                               30 YR FIXED IO                                   NO RATIO
     298.37                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     631.53                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     339.08                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              NIVA
     364.13                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     581.76                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     739.46                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SISA
     518.39                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NIVA
     630.64                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              SIVA
     252.21                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NIVA
     397.06                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NIVA
     317.33                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     282.87                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     769.72                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NIVA
     659.84                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              SIVA
     247.61                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     350.96                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NIVA
     746.37                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     481.62                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     288.82                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     344.04                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
    1906.69                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     360.78                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     563.23                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NIVA
     772.03                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NIVA
     282.32                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              SIVA
     354.92                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NIVA
     316.15                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     196.68                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     625.39                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NIVA
     862.77                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
        510                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     345.62                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SISA
     659.33                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     341.08                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
      430.5                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     303.93                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     275.67                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     125.65                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NIVA
      305.5                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NIVA
     372.19                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
    1035.25                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NIVA
     503.82                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     144.19                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     854.96                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SISA
     464.16                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
      189.3                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     855.87                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NIVA
      219.4                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NIVA
     308.63                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SISA
     308.63                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SISA
     792.22                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              SIVA
     607.78                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SISA
     556.17                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SISA
    1114.45                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NIVA
     235.29                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     708.09                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NIVA
     583.65                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NIVA
     420.79                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
      481.4                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NIVA
     717.15                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NIVA
     653.59                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     301.28                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NIVA
     210.22                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
    1045.93                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     356.92                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
    1029.32                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SISA
     359.77                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              SIVA
     757.66                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     434.48                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              SIVA
      328.4                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NIVA
      396.9                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     783.59                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     866.62                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     821.48                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     691.83                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     603.06                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SISA
     865.41                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NIVA
     393.04                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     602.02                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              SIVA
     752.33                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     659.34                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     492.92                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NIVA
       1124                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     443.46                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              SIVA
     560.94                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NIVA
     504.78                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              NIVA
      735.4                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              SIVA
     283.44                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     582.75                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NIVA
     590.31                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     478.44                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     274.53                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
    1202.06                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NIVA
     530.46                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SISA
    1172.73                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NIVA
     349.75                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     728.06                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              NIVA
     539.55                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NIVA
     384.13                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NIVA
     470.64                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
    1223.08                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     428.25                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NIVA
     493.89                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SISA
     328.83                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     548.76                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     499.76                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NIVA
     432.01                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     542.56                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NIVA
     391.71                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NIVA
     572.76                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     530.53                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SISA
     347.43                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     313.28                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     462.09                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NIVA
     500.26                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     672.93                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NIVA
     565.66                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     781.45                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     567.14                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     526.75                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NIVA
     676.87                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NIVA
     414.55                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
    1023.63                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NIVA
     410.57                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NIVA
     575.28                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NIVA
     527.72                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NIVA
     387.67                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NIVA
     604.28                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     304.05                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     504.71                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NIVA
     391.46                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     879.16                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
    1086.72                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              NIVA
     489.93                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SISA
     462.14                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              SISA
     617.17                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
    1382.88                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NIVA
     449.83                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NIVA
      705.8                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SISA
     541.62                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              SISA
     423.99                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     836.57                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     704.62                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SISA
     233.91                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     451.56                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              NIVA
     476.76                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              SIVA
     559.41                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     249.25                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NIVA
      486.3                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NIVA
     874.49                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     437.32                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
    1053.09                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NIVA
     530.48                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NIVA
     524.31                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     237.62                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     387.24                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NIVA
     812.04                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     369.75                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
      223.6                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NIVA
     437.47                  PUD                                   PURCHASE                               15 YR FIXED                                      SIVA
     244.33                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     280.17                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     283.79                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO DOC
     338.59                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     723.77                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     281.38                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     198.54                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     694.13                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NIVA
     494.36                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     588.52                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NIVA
     414.57                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     384.89                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     499.32                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     397.92                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     962.62                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     368.81                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NIVA
     262.85                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     254.76                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     573.53                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     498.95                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     449.81                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NIVA
     305.17                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NIVA
    1008.16                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NIVA
     292.82                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NIVA
     860.03                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
    1007.54                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NIVA
     746.98                  2-4 FAMILY                            PURCHASE                               FIXED BALLOON 30/15                              SISA
     649.14                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NIVA
     339.21                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              SISA
     600.95                  PUD                                   PURCHASE                               15 YR FIXED                                      SISA
     471.14                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     350.71                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     628.53                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              SIVA
     574.77                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NIVA
     467.77                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
        652                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              SIVA
     379.15                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NIVA
     392.22                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NIVA
     349.54                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SISA
     734.81                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     496.77                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SISA
     459.34                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
      373.4                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NIVA
      919.7                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NIVA
     565.74                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     230.81                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     667.98                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SISA
     305.84                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NIVA
     456.53                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     532.72                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     690.93                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              SIVA
     478.92                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     676.74                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     347.48                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NIVA
     213.43                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     858.35                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
    1328.65                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NIVA
     771.49                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     371.69                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     987.44                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     339.92                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     359.44                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NIVA
     527.44                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     337.16                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NIVA
     634.51                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NIVA
     336.37                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     393.92                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NIVA
     922.61                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              SISA
     372.08                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     550.61                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED                                      SIVA
    1011.07                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     100.94                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
      472.4                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     395.29                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     396.76                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
    1151.49                  2-4 FAMILY                            PURCHASE                               FIXED BALLOON 30/15                              SIVA
    1344.77                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     296.65                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     242.12                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     291.76                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      FULL/ALT DOC
     339.07                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
      492.3                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
      602.2                  PUD                                   PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     599.96                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     180.83                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
      532.5                  CONDO                                 PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     200.96                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      SIVA
     252.04                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     115.17                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              FULL/ALT DOC
    1619.45                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     480.29                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     337.89                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
     581.79                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     446.39                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     376.46                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     635.41                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      SISA
     635.41                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      SISA
     236.83                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     178.82                  SINGLE FAMILY                         PURCHASE                               15 YR FIXED                                      FULL/ALT DOC
     365.16                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              NO RATIO
     338.42                  CONDO                                 PURCHASE                               30 YR FIXED                                      NO RATIO
     309.85                  PUD                                   PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     700.82                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
    1244.31                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     784.87                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      SIVA
     323.43                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      SIVA
     476.16                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     566.86                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     227.94                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     191.59                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO DOC
     217.36                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     315.25                  PUD                                   PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     629.22                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     202.72                  CONDO                                 PURCHASE                               30 YR FIXED                                      SIVA
     517.18                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     232.72                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     740.96                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     406.33                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
      359.7                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO DOC
     485.51                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      SIVA
     617.21                  CONDO                                 PURCHASE                               30 YR FIXED                                      NO RATIO
     185.15                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     740.29                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     1285.4                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      SIVA
     377.03                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     281.24                  2-4 FAMILY                            PURCHASE                               FIXED BALLOON 30/15                              SIVA
     691.61                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
    1163.32                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      SIVA
     412.46                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO DOC
     292.91                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     404.92                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
    1635.65                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
      697.9                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     247.52                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     696.39                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO DOC
     495.29                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
    1438.18                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     232.91                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     572.42                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
      406.6                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     456.86                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     576.26                  2-4 FAMILY                            RATE/TERM REFI                         15 YR FIXED                                      NO DOC
      246.8                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     932.93                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     272.85                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     347.16                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     160.79                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     371.32                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     188.16                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     646.48                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     527.08                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO DOC
     356.92                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     226.34                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     367.79                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      SIVA
     414.44                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     180.41                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     206.66                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     197.45                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
    1009.87                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     347.34                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     405.48                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     588.83                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
        255                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     323.93                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     542.81                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     461.76                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      SIVA
     398.22                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     325.95                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     547.82                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     569.91                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      SIVA
     316.21                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      SIVA
     296.11                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      FULL/ALT DOC
      717.7                  PUD                                   PURCHASE                               30 YR FIXED                                      NO RATIO
    1243.76                  2-4 FAMILY                            PURCHASE                               FIXED BALLOON 30/15                              SIVA
     525.21                  PUD                                   PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     991.69                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     616.87                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     281.43                  CONDO                                 PURCHASE                               30 YR FIXED                                      SIVA
    1317.58                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SISA
     204.77                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     544.95                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     799.78                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
     384.47                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     322.18                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     236.56                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     142.69                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     285.89                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO DOC
     243.22                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      SISA
     228.69                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      SIVA
     143.06                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     473.79                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     242.82                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     130.21                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              NO DOC
     118.48                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO DOC
     403.94                  PUD                                   PURCHASE                               30 YR FIXED                                      NO RATIO
    1243.76                  2-4 FAMILY                            PURCHASE                               FIXED BALLOON 30/15                              SIVA
      254.6                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              SISA
    1232.91                  2-4 FAMILY                            CASHOUT REFI                           30 YR FIXED                                      SIVA
      260.5                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              NO RATIO
     627.26                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     259.68                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      FULL/ALT DOC
     151.96                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     654.09                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     252.33                  CONDO                                 PURCHASE                               30 YR FIXED                                      SIVA
     607.47                  CONDO                                 PURCHASE                               30 YR FIXED                                      SISA
     315.48                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
      908.5                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     447.67                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     419.16                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     345.31                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     542.74                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     103.82                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     770.44                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     155.75                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     850.71                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     319.94                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     339.52                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     147.43                  CONDO                                 CASHOUT REFI                           30 YR FIXED                                      SIVA
     291.27                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     345.52                  PUD                                   PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     611.39                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      SISA
     175.84                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      SIVA
      418.9                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     128.23                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      NO RATIO
     375.02                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     515.44                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      SIVA
     367.14                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     142.79                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     512.55                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO DOC
     690.78                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      SIVA
     364.58                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      SIVA
     453.14                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     121.47                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     582.06                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     325.95                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
    1309.87                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      SIVA
     629.78                  PUD                                   PURCHASE                               30 YR FIXED                                      NO RATIO
     498.03                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     452.38                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
    1243.76                  2-4 FAMILY                            PURCHASE                               FIXED BALLOON 30/15                              SIVA
     233.57                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     336.17                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
    1467.06                  2-4 FAMILY                            CASHOUT REFI                           FIXED BALLOON 30/15                              SISA
     319.25                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     979.31                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              NO RATIO
     238.41                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     734.42                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
      136.2                  CONDO                                 PURCHASE                               30 YR FIXED                                      NO RATIO
     911.01                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SISA
      874.3                  PUD                                   PURCHASE                               30 YR FIXED                                      NO RATIO
     504.51                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     381.45                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     498.23                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
      133.3                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO DOC
     247.57                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     390.41                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      NO RATIO
     607.06                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      SIVA
      420.1                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     753.02                  PUD                                   PURCHASE                               30 YR FIXED                                      NO RATIO
     269.53                  PUD                                   CASHOUT REFI                           30 YR FIXED                                      SIVA
     398.23                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     520.18                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
    1026.59                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     218.43                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     486.53                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              SIVA
     282.32                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     257.48                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      SIVA
     352.66                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
       93.5                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     634.96                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     474.42                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      SIVA
     723.02                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     514.09                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     415.21                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     515.41                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     547.14                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     963.86                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     175.93                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     573.04                  CONDO                                 PURCHASE                               30 YR FIXED                                      SIVA
     751.97                  CONDO                                 PURCHASE                               30 YR FIXED                                      SIVA
     126.67                  CONDO                                 CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     715.37                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
      469.5                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
    1344.77                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
    1013.82                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO DOC
     480.92                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO DOC
    1021.53                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     475.82                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     262.45                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     524.21                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     238.01                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     175.93                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     164.49                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO DOC
     240.45                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
      640.7                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     174.78                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      NO DOC
     307.91                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     141.09                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     463.69                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              NO RATIO
     135.16                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     342.13                  2-4 FAMILY                            CASHOUT REFI                           30 YR FIXED                                      NO RATIO
     240.45                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     178.72                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO DOC
     726.14                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     117.49                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO DOC
      294.9                  PUD                                   PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     805.71                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      SIVA
     213.66                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     685.24                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     682.61                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     355.46                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     247.57                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     250.08                  CONDO                                 PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     185.26                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     353.75                  SINGLE FAMILY                         PURCHASE                               15 YR FIXED                                      NO DOC
     650.71                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     651.89                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     526.35                  PUD                                   PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     790.43                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     806.47                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     637.74                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      SIVA
     466.31                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     182.66                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     906.83                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     314.36                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     159.96                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO DOC
     194.69                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     205.09                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     101.03                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     398.56                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     107.81                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO DOC
     617.17                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      NO RATIO
      361.3                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     376.64                  PUD                                   CASHOUT REFI                           30 YR FIXED                                      NO DOC
     662.27                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     282.79                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
        914                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
        345                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     305.19                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     334.22                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     253.55                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     118.48                  PUD                                   CASHOUT REFI                           30 YR FIXED                                      SIVA
     682.74                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     244.88                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     202.88                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
    1243.76                  2-4 FAMILY                            PURCHASE                               FIXED BALLOON 30/15                              SIVA
     347.45                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     503.46                  PUD                                   PURCHASE                               30 YR FIXED                                      NO RATIO
     407.33                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     530.39                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     272.45                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED                                      FULL/ALT DOC
     302.44                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     135.68                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     507.18                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     118.48                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO DOC
     311.22                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     122.04                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              NO DOC
     156.89                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     890.71                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     444.93                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     486.12                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     386.79                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     134.86                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SISA
     237.86                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SISA
      412.9                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
      455.3                  2-4 FAMILY                            PURCHASE                               FIXED BALLOON 30/15                              SISA
     480.87                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     168.31                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     967.87                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      NO DOC
     371.55                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     180.78                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              SIVA
     411.78                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
      654.2                  2-4 FAMILY                            PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     463.69                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     418.79                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO DOC
     262.57                  CONDO                                 CASHOUT REFI                           30 YR FIXED                                      FULL/ALT DOC
     271.12                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     135.77                  PUD                                   PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     403.44                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     840.14                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     446.63                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     878.78                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      SIVA
     563.91                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SISA
     585.96                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     137.55                  SINGLE FAMILY                         PURCHASE                               15 YR FIXED                                      FULL/ALT DOC
     411.23                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     193.63                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              NO DOC
      232.3                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      SISA
     334.93                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      SIVA
     151.46                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     227.88                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     301.19                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     455.28                  PUD                                   PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     301.05                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     306.33                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
        268                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED                                      FULL/ALT DOC
     756.58                  CONDO                                 PURCHASE                               30 YR FIXED                                      SIVA
     427.13                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     898.42                  PUD                                   CASHOUT REFI                           30 YR FIXED                                      FULL/ALT DOC
     168.29                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     268.38                  2-4 FAMILY                            PURCHASE                               FIXED BALLOON 30/15                              SIVA
     136.14                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     516.08                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     763.41                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     703.44                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     362.77                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO DOC
    1223.36                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
      377.2                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
      148.9                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
     258.08                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     369.97                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     349.73                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      SIVA
     964.19                  PUD                                   PURCHASE                               30 YR FIXED                                      NO RATIO
     616.16                  CONDO                                 PURCHASE                               30 YR FIXED                                      SIVA
     705.74                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
    1635.25                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      SIVA
     336.05                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     860.24                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO DOC
      896.5                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
     600.01                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     896.08                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
    1060.47                  CONDO                                 PURCHASE                               30 YR FIXED                                      SIVA
     769.91                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
    1273.44                  PUD                                   PURCHASE                               30 YR FIXED                                      NO DOC
     592.47                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     390.99                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     1315.2                  PUD                                   PURCHASE                               30 YR FIXED                                      NO RATIO
     331.74                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
     236.83                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     236.43                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     414.36                  PUD                                   RATE/TERM REFI                         30 YR FIXED                                      FULL/ALT DOC
     794.82                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      SIVA
     226.42                  SINGLE FAMILY                         PURCHASE                               15 YR FIXED                                      FULL/ALT DOC
     184.39                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     222.85                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     845.89                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      FULL/ALT DOC
     185.18                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      SIVA
     947.67                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
      155.7                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      SISA
     286.98                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     371.96                  PUD                                   PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     712.34                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     821.38                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     318.26                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     526.74                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     193.52                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     425.36                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      NO RATIO
     496.95                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     425.45                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      SIVA
     740.54                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     133.07                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED                                      SIVA
     707.69                  PUD                                   PURCHASE                               30 YR FIXED                                      NO RATIO
     225.23                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     400.29                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      SIVA
     170.16                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO DOC
     475.91                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     570.41                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     677.72                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     455.42                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     1652.4                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     285.03                  PUD                                   CASHOUT REFI                           30 YR FIXED                                      SIVA
     451.62                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              NO DOC
     309.36                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO DOC
     785.92                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     364.07                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     411.45                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     414.87                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     109.69                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     240.45                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      SIVA
     956.41                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO DOC
     450.53                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
    1208.62                  PUD                                   PURCHASE                               30 YR FIXED                                      NO RATIO
      130.5                  2-4 FAMILY                            PURCHASE                               15 YR FIXED                                      FULL/ALT DOC
     630.94                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      SIVA
     982.76                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     611.65                  SINGLE FAMILY                         CASHOUT REFI                           15 YR FIXED                                      SIVA
     721.45                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      SIVA
     386.79                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              FULL/ALT DOC
     116.01                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     175.93                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     959.28                  CONDO                                 CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
      649.4                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     429.53                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     500.08                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
      201.4                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      FULL/ALT DOC
     158.63                  PUD                                   PURCHASE                               30 YR FIXED                                      SISA
     469.46                  PUD                                   PURCHASE                               30 YR FIXED                                      NO RATIO
     799.11                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     274.23                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     831.84                  PUD                                   RATE/TERM REFI                         FIXED BALLOON 30/15                              SISA
     261.26                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      FULL/ALT DOC
     215.29                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
      370.2                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED                                      FULL/ALT DOC
     410.73                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      SIVA
     664.11                  CONDO                                 PURCHASE                               30 YR FIXED                                      NO DOC
     154.29                  CONDO                                 PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
      627.7                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO DOC
    1365.46                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     373.95                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     248.13                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO DOC
     191.28                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     453.31                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      NO RATIO
     951.81                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      NO DOC
     722.81                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              SISA
     284.37                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     630.16                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              SIVA
     305.24                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
      457.3                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     197.26                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO DOC
     146.44                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
      185.7                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     608.98                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     784.12                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
    1288.99                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     685.21                  PUD                                   PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     638.43                  PUD                                   RATE/TERM REFI                         FIXED BALLOON 30/15                              NO RATIO
     800.44                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO DOC
     465.33                  2-4 FAMILY                            CASHOUT REFI                           30 YR FIXED                                      SIVA
      233.6                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     937.59                  PUD                                   PURCHASE                               15 YR FIXED                                      NO RATIO
     379.24                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     288.83                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     576.11                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
    2462.55                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     788.95                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     500.72                  PUD                                   PURCHASE                               30 YR FIXED                                      NO RATIO
     197.87                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     111.09                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO DOC
     465.96                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO DOC
     1555.5                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      SIVA
     665.47                  PUD                                   RATE/TERM REFI                         30 YR FIXED                                      SIVA
     405.95                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED                                      SIVA
     195.94                  CONDO                                 PURCHASE                               30 YR FIXED                                      SISA
     531.28                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     259.87                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     330.01                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
    2274.95                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              NO RATIO
     277.69                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     112.55                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     660.17                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     141.36                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     272.23                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
    1220.42                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      SIVA
      494.6                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     595.39                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      SIVA
     317.46                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     298.85                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     456.34                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              SIVA
     654.18                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
      628.2                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     391.88                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     222.38                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     219.51                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     796.44                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     229.74                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              SIVA
     104.79                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     869.75                  2-4 FAMILY                            CASHOUT REFI                           30 YR FIXED                                      SIVA
     271.24                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     768.44                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     560.09                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     100.94                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              NO DOC
     612.56                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     337.88                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     549.83                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
      163.7                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO DOC
     629.16                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     824.93                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     215.51                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     421.77                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     431.09                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     576.02                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED                                      SIVA
     586.07                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     218.45                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     528.03                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     344.26                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     397.25                  PUD                                   PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     524.95                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     223.38                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
    3507.87                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SISA
    1584.17                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     235.78                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
      365.9                  PUD                                   RATE/TERM REFI                         30 YR FIXED                                      SISA
     233.02                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     497.85                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     451.11                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     326.17                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     341.04                  PUD                                   PURCHASE                               30 YR FIXED                                      NO RATIO
     967.77                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     782.53                  2-4 FAMILY                            CASHOUT REFI                           30 YR FIXED                                      SIVA
    1774.23                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     200.99                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     1156.5                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
      442.3                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      SIVA
     166.12                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      SIVA
     364.51                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     167.61                  CONDO                                 CASHOUT REFI                           30 YR FIXED                                      SIVA
     304.42                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      FULL/ALT DOC
     295.53                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     360.33                  PUD                                   PURCHASE                               30 YR FIXED                                      NO RATIO
     489.12                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     728.25                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     661.95                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      SIVA
     734.56                  PUD                                   PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
        501                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
    1037.65                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     144.31                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     265.27                  2-4 FAMILY                            PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
      524.3                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
      420.2                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     373.39                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      SIVA
     208.89                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED                                      NO DOC
    1288.73                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     380.27                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     161.19                  SINGLE FAMILY                         PURCHASE                               15 YR FIXED                                      FULL/ALT DOC
     274.96                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     895.92                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO DOC
     821.71                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     528.69                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     631.97                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      SIVA
      719.7                  2-4 FAMILY                            PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     874.32                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     564.16                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO DOC
     311.47                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      NO RATIO
     685.24                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     235.41                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     451.57                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      SIVA
        501                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     149.79                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      FULL/ALT DOC
     617.51                  2-4 FAMILY                            PURCHASE                               FIXED BALLOON 30/15                              SIVA
     652.46                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     453.06                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              NO RATIO
     841.41                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     567.14                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     203.04                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     459.21                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      NO DOC
     160.49                  2-4 FAMILY                            CASHOUT REFI                           30 YR FIXED                                      FULL/ALT DOC
    1233.81                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
     160.79                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     156.92                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     554.29                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      SISA
      422.7                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     235.76                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO DOC
     244.63                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              SIVA
     1742.7                  2-4 FAMILY                            PURCHASE                               FIXED BALLOON 30/15                              SIVA
     957.26                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     157.77                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     859.28                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              NO RATIO
     176.54                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     337.88                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     517.05                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     159.28                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     260.68                  CONDO                                 PURCHASE                               30 YR FIXED                                      SIVA
     346.15                  CONDO                                 CASHOUT REFI                           FIXED BALLOON 30/15                              NO DOC
     430.89                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     606.62                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     537.31                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     275.07                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO DOC
     797.65                  PUD                                   PURCHASE                               30 YR FIXED                                      NO DOC
     563.69                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     288.08                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     933.34                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
      270.7                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     319.55                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     406.16                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     705.48                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO DOC
     662.35                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     310.39                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              FULL/ALT DOC
     270.87                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
    1107.07                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
      690.3                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO DOC
     360.01                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     704.99                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SISA
    1084.37                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     469.38                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      SIVA
     334.83                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO DOC
    1058.67                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED                                      SIVA
      293.4                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     833.62                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     942.21                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     398.56                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO DOC
        501                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
        935                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     502.22                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     571.08                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      NO RATIO
     424.16                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
      571.9                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     311.63                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     641.03                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     365.73                  CONDO                                 PURCHASE                               30 YR FIXED                                      SIVA
     521.85                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     191.12                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      NO DOC
     302.76                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     203.04                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     459.21                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      NO DOC
     295.93                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     937.33                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SISA
     514.36                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     439.08                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     706.84                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     315.53                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     254.62                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED                                      FULL/ALT DOC
     509.92                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     367.28                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
    1062.09                  PUD                                   PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
    1200.75                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     371.65                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     218.16                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     326.23                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     326.23                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     662.61                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     218.58                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
    1091.56                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     240.03                  SINGLE FAMILY                         CASHOUT REFI                           15 YR FIXED                                      FULL/ALT DOC
     575.95                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     638.56                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      SIVA
     730.31                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     413.76                  PUD                                   PURCHASE                               30 YR FIXED                                      NO RATIO
     144.67                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO DOC
    1012.09                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO DOC
     932.41                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     310.92                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     257.13                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              SIVA
     343.52                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     249.52                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     365.19                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO DOC
     267.61                  2-4 FAMILY                            PURCHASE                               FIXED BALLOON 30/15                              SIVA
     165.76                  2-4 FAMILY                            PURCHASE                               FIXED BALLOON 30/15                              NO DOC
     527.52                  2-4 FAMILY                            PURCHASE                               FIXED BALLOON 30/15                              SIVA
     302.33                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     633.75                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      NO RATIO
     388.97                  CONDO                                 PURCHASE                               30 YR FIXED                                      SIVA
    1548.13                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      NO DOC
     464.26                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     292.61                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     1652.4                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
      628.9                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     602.18                  PUD                                   PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     598.16                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      SIVA
    1328.23                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      NO RATIO
     274.42                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      FULL/ALT DOC
     170.96                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO DOC
     594.21                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     184.69                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      SIVA
      443.9                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     966.01                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     174.78                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
      89.93                  2-4 FAMILY                            CASHOUT REFI                           30 YR FIXED                                      NO RATIO
     261.26                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      FULL/ALT DOC
     262.44                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
      394.9                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     559.56                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
      281.4                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO DOC
    1175.62                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
      150.3                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     454.51                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     268.06                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     256.32                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     324.95                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED                                      FULL/ALT DOC
     311.53                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     519.64                  2-4 FAMILY                            PURCHASE                               FIXED BALLOON 30/15                              SIVA
     384.49                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     570.91                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     689.17                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      NO RATIO
    1152.04                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO DOC
     613.43                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SISA
     367.26                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      NO DOC
     256.09                  PUD                                   PURCHASE                               30 YR FIXED                                      NO DOC
     377.03                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     692.14                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     588.62                  PUD                                   PURCHASE                               30 YR FIXED                                      NO RATIO
     431.22                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              SIVA
     296.11                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     267.61                  2-4 FAMILY                            PURCHASE                               FIXED BALLOON 30/15                              SIVA
    1044.17                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     166.82                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     549.15                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      SIVA
     940.35                  PUD                                   PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     537.49                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     234.52                  2-4 FAMILY                            PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     942.12                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     573.04                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     185.37                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     311.66                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     201.28                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     243.31                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     217.34                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     660.95                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     321.17                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
      668.6                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
      577.9                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     400.89                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      NO RATIO
     559.25                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      SIVA
     318.65                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     568.97                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      NO RATIO
     559.25                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     218.05                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     499.79                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
     164.35                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     205.06                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      SIVA
     178.25                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      SIVA
    1217.87                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     678.65                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     213.67                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     449.54                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     464.57                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     491.77                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      NO DOC
    1368.93                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
      676.9                  2-4 FAMILY                            RATE/TERM REFI                         30 YR FIXED                                      SIVA
     162.42                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     499.02                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     701.74                  PUD                                   RATE/TERM REFI                         FIXED BALLOON 30/15                              FULL/ALT DOC
     938.12                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
        501                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     371.24                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     589.17                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     773.24                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      FULL/ALT DOC
     349.53                  PUD                                   PURCHASE                               30 YR FIXED                                      NO RATIO
    1072.42                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     690.32                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     411.78                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
      387.7                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     592.48                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO DOC
     615.16                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              NO DOC
     375.99                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     305.99                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     199.59                  2-4 FAMILY                            CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
      524.3                  2-4 FAMILY                            PURCHASE                               FIXED BALLOON 30/15                              SIVA
      128.7                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
      447.4                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
      319.9                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      SIVA
     310.97                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     489.77                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     707.58                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     219.69                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      SIVA
     289.39                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      FULL/ALT DOC
     370.12                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED                                      SIVA
     307.15                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      NO DOC
     241.22                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     958.41                  2-4 FAMILY                            PURCHASE                               FIXED BALLOON 30/15                              SIVA
        882                  PUD                                   PURCHASE                               15 YR FIXED                                      SIVA
     359.85                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     346.14                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     573.07                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     275.46                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     245.72                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      SISA
     873.83                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     529.88                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      SIVA
     310.34                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     344.27                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     846.77                  PUD                                   PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     296.65                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      NO RATIO
     139.67                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     273.32                  2-4 FAMILY                            PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     452.36                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     617.88                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
      519.4                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
     202.41                  2-4 FAMILY                            PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     444.24                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     580.06                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     150.47                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     245.47                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     706.78                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      SIVA
     396.72                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SISA
    2023.77                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SISA
     415.72                  CONDO                                 PURCHASE                               30 YR FIXED                                      SIVA
     190.87                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     209.09                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO DOC
     538.34                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     108.98                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      NO RATIO
     496.31                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     293.88                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     196.68                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     355.13                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     230.74                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     263.32                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SISA
     418.29                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              SIVA
     104.47                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     181.69                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      NO DOC
    1501.83                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     118.48                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO DOC
        744                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      NO RATIO
     438.51                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     351.26                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     161.91                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     228.27                  2-4 FAMILY                            PURCHASE                               15 YR FIXED                                      SIVA
     740.25                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
      809.6                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     398.23                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              SIVA
     718.73                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     668.59                  PUD                                   PURCHASE                               30 YR FIXED                                      SISA
      638.7                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     121.58                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      SIVA
     372.25                  PUD                                   PURCHASE                               30 YR FIXED                                      NO RATIO
        858                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     722.07                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      SIVA
     237.83                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              NO RATIO
     450.04                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     788.82                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
    1502.53                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     305.49                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      SIVA
    1602.03                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     142.78                  PUD                                   PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     649.89                  PUD                                   CASHOUT REFI                           30 YR FIXED                                      SIVA
      476.3                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO DOC
    1269.45                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
        812                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     905.29                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     325.69                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     449.49                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     594.21                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     358.05                  CONDO                                 CASHOUT REFI                           FIXED BALLOON 30/15                              SISA
     302.48                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     327.48                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
    1268.57                  CONDO                                 PURCHASE                               15 YR FIXED                                      FULL/ALT DOC
     261.15                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     410.59                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     112.58                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      SIVA
     625.07                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              NO RATIO
     145.71                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
    1165.12                  2-4 FAMILY                            PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
      460.5                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      SIVA
     886.53                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO DOC
     748.97                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              SIVA
     495.94                  PUD                                   PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     192.68                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     476.98                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     285.95                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     446.42                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     433.42                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              SIVA
     536.43                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      FULL/ALT DOC
      401.7                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     639.92                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     395.27                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     788.46                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     248.89                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     338.66                  CONDO                                 PURCHASE                               30 YR FIXED                                      SIVA
     479.86                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     677.84                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     703.54                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
    2131.45                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      NO RATIO
     173.36                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     181.49                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
      880.3                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     306.91                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     224.24                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
      196.9                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      SIVA
     718.65                  CONDO                                 CASHOUT REFI                           15 YR FIXED                                      NO RATIO
     303.92                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              FULL/ALT DOC
     291.43                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     780.48                  PUD                                   CASHOUT REFI                           30 YR FIXED                                      SIVA
     379.61                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      NO RATIO
     492.85                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              NO RATIO
     298.33                  2-4 FAMILY                            CASHOUT REFI                           15 YR FIXED                                      SIVA
    1208.57                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     694.38                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              FULL/ALT DOC
     272.43                  PUD                                   RATE/TERM REFI                         30 YR FIXED                                      SIVA
     124.55                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
      360.2                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              SIVA
     106.95                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     289.47                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     590.71                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      NO DOC
     673.86                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      FULL/ALT DOC
      195.5                  CONDO                                 CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     478.46                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
    1004.84                  2-4 FAMILY                            PURCHASE                               FIXED BALLOON 30/15                              SIVA
      919.4                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     390.45                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     429.39                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     837.81                  PUD                                   PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
      815.2                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO DOC
     469.92                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NO RATIO
     471.55                  PUD                                   CASHOUT REFI                           30 YR FIXED                                      SIVA
    1019.84                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     454.66                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     500.82                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     529.11                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      NO RATIO
     424.73                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      NO RATIO
     331.34                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      SIVA
     635.39                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
      393.4                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     284.83                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
      861.6                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     415.45                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     186.18                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
     540.65                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO DOC
     540.07                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     283.78                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     320.43                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     301.38                  PUD                                   PURCHASE                               30 YR FIXED                                      NO DOC
    1307.82                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     373.77                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     269.14                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     551.69                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     312.04                  SINGLE FAMILY                         CASHOUT REFI                           15 YR FIXED                                      FULL/ALT DOC
     267.61                  2-4 FAMILY                            PURCHASE                               FIXED BALLOON 30/15                              SIVA
     530.75                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
      602.1                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
    1225.33                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
        590                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     541.31                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     495.61                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     806.65                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
      177.1                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SISA
     724.61                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SISA
    1436.41                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     684.25                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              SISA
     201.87                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SISA
     778.16                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     421.84                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SISA
      645.1                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SISA
     259.87                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
    1023.12                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              SISA
     851.36                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     543.24                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SISA
      212.5                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              SISA
     923.52                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SISA
     179.49                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     861.57                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SISA
     934.42                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     374.29                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     839.87                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     549.91                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SISA
     450.49                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SISA
    1100.54                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SISA
     422.23                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
      268.5                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SISA
     519.29                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SISA
     539.91                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     435.93                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              FULL/ALT DOC
     876.34                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SISA
     471.27                  CONDO                                 CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     479.09                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     346.24                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     331.81                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
    1244.48                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SISA
     371.25                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     362.07                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SISA
     181.27                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     323.09                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
      518.6                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     490.51                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     559.26                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
    1309.82                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SISA
     499.71                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     931.16                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     453.09                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SISA
    1086.81                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SISA
      551.1                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              SISA
      379.9                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     540.64                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     361.57                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     598.86                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     223.48                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              SISA
      418.4                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     252.35                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              SISA
     424.99                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SISA
      283.9                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     298.86                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
        214                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     792.94                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              NO DOC
     322.32                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     488.81                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     573.12                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
      463.8                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     484.03                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              SIVA
     217.19                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     515.68                  2-4 FAMILY                            CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     711.89                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     497.16                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              SIVA
      96.18                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NIVA
     272.61                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              SIVA
     236.95                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     387.01                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              FULL/ALT DOC
     300.97                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     595.39                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              NO DOC
     489.62                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NIVA
     340.55                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     206.52                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     772.03                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              SIVA
     348.46                  2-4 FAMILY                            PURCHASE                               FIXED BALLOON 30/15                              SIVA
     628.54                  2-4 FAMILY                            CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     742.85                  2-4 FAMILY                            CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     305.58                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     711.72                  CONDO                                 CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     223.86                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     456.79                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
      530.8                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     405.56                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     702.52                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     669.63                  CONDO                                 CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     230.53                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
      843.9                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              NIVA
     328.96                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     230.53                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
      288.8                  2-4 FAMILY                            CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
    1302.06                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     438.21                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              NIVA
     907.17                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
      855.4                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     448.25                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
    1141.24                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              NIVA
     447.86                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              SIVA
     124.59                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     130.64                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     811.12                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     239.94                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     549.65                  2-4 FAMILY                            CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     522.96                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     613.68                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              NIVA
    1139.53                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     860.26                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     182.47                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              NO DOC
     201.89                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     256.15                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     316.98                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     896.11                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              NO DOC
     651.27                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              NO DOC
     377.14                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     530.45                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     276.42                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     176.28                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              NO DOC
     651.27                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SISA
     232.08                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     719.25                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              NO DOC
     280.69                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
      234.8                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     228.69                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     946.15                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              NO DOC
     802.58                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     170.75                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
      596.6                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     707.17                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              NO DOC
     150.06                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              NO DOC
     749.88                  2-4 FAMILY                            CASHOUT REFI                           FIXED BALLOON 30/15                              NO DOC
     269.84                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              SIVA
     147.56                  CONDO                                 CASHOUT REFI                           FIXED BALLOON 30/15                              NO DOC
      296.7                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              SIVA
     212.78                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     515.67                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              SIVA
      626.9                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     339.36                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     484.75                  PUD                                   RATE/TERM REFI                         FIXED BALLOON 30/15                              FULL/ALT DOC
    1121.31                  CONDO                                 CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     336.19                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              NO DOC
    1034.18                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              NO DOC
     106.73                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              NO DOC
     914.74                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              NO DOC
     202.46                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     654.23                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     229.47                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     337.26                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
        169                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
    1179.32                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     516.16                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     700.12                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              NO DOC
     430.13                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              NIVA
     594.59                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     489.88                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              FULL/ALT DOC
     608.36                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              NO DOC
     113.15                  2-4 FAMILY                            CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     554.98                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              NIVA
     657.64                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     308.59                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     212.92                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              NO DOC
     576.69                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              NO DOC
     363.39                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              NIVA
     643.69                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     606.47                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     434.18                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              NIVA
     340.29                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     907.17                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              NIVA
     677.88                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     508.75                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              NO DOC
     174.43                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
    1261.77                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
    1198.33                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     521.01                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     394.89                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
      282.8                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              NO DOC
     230.15                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
      942.9                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              NO DOC
     629.69                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     149.42                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     720.03                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     254.01                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     239.07                  PUD                                   RATE/TERM REFI                         FIXED BALLOON 30/15                              SIVA
     934.92                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
        765                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     197.27                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     746.02                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     424.77                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     336.35                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
        794                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              NO DOC
     233.24                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
      648.9                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     640.36                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     216.66                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     256.15                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              NO DOC
     413.03                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NIVA
     200.59                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     133.41                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     525.81                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
      155.3                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     466.98                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     362.45                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     319.12                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              NIVA
     564.77                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
    1231.62                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     272.96                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              FULL/ALT DOC
     925.76                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     670.24                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     411.45                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     222.15                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NIVA
     327.94                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     256.15                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
      134.6                  2-4 FAMILY                            CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     754.32                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              NO DOC
     185.16                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              NO DOC
     377.81                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              FULL/ALT DOC
    1019.01                  CONDO                                 CASHOUT REFI                           FIXED BALLOON 30/15                              NIVA
     714.25                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              NO DOC
     307.77                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     480.27                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     267.35                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NIVA
     707.17                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              NO DOC
     421.17                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     815.18                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     649.96                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              NIVA
     155.74                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              SIVA
     747.09                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     624.35                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              NO DOC
     234.73                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     565.59                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     387.23                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              SIVA
     207.44                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     426.45                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     343.27                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
    1237.87                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              NIVA
     557.84                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              SIVA
     382.15                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     250.84                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SISA
     324.35                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     248.81                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     443.16                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     475.32                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     227.98                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     442.48                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     862.26                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     320.04                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     394.86                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     308.71                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     294.62                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     361.36                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     406.71                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     390.19                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
    1335.83                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     845.94                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     223.31                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     377.16                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     357.92                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     199.04                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              SIVA
     394.86                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     394.57                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SISA
     550.65                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     418.69                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
      446.2                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     711.79                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              SIVA
     601.39                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
      399.1                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     240.87                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     375.58                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SISA
     1827.4                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
        782                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     687.03                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
        483                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     333.87                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
      534.6                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SISA
     714.18                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     305.99                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     241.68                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
      274.5                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     663.76                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     191.15                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     469.98                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     546.88                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              SIVA
     468.54                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     352.22                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SISA
     316.04                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     474.42                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     524.89                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
    1381.77                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     269.73                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     327.94                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     777.08                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     550.77                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     920.67                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     233.37                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     384.27                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     627.95                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     479.63                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     516.45                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     405.56                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     592.33                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     416.28                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     353.36                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     490.51                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     482.26                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
      836.3                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     553.89                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     965.36                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     248.14                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
    1236.16                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     954.87                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     182.89                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     764.25                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     308.65                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     784.63                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
      264.8                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     274.48                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     594.73                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     355.86                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              SIVA
      254.4                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     744.43                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              SIVA
     373.01                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     334.37                  2-4 FAMILY                            PURCHASE                               FIXED BALLOON 30/15                              SIVA
     304.41                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
    1529.99                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     743.55                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     430.11                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     461.21                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     517.33                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
      325.3                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     973.37                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     257.72                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     410.36                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     439.29                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     422.21                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     505.12                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
      319.9                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     605.89                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     501.48                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     374.93                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              SIVA
    1304.58                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     310.41                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     271.36                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     986.79                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
    1028.61                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO DOC
     533.63                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     436.67                  PUD                                   PURCHASE                               30 YR FIXED                                      NIVA
     653.59                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     1110.9                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO DOC
     360.01                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SISA
     933.47                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
      830.6                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     939.19                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NIVA
     391.88                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SISA
     503.75                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     473.45                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO DOC
     386.58                  2-4 FAMILY                            PURCHASE                               FIXED BALLOON 30/15                              SISA
     543.13                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO DOC
     380.73                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              NO DOC
      220.6                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO DOC
     445.73                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     939.24                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     802.69                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO DOC
     570.42                  CONDO                                 CASHOUT REFI                           FIXED BALLOON 30/15                              NO DOC
     955.27                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     775.49                  PUD                                   PURCHASE                               30 YR FIXED                                      NIVA
     779.69                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SISA
      593.9                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO DOC
     720.03                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              SISA
    1129.51                  2-4 FAMILY                            PURCHASE                               FIXED BALLOON 30/15                              NIVA
     815.38                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     580.92                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NIVA
     773.76                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              SISA
     755.53                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     672.11                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      SISA
     384.86                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     489.92                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO DOC
     561.25                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO DOC
     933.48                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              NIVA
     552.66                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     339.44                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              NIVA
      490.2                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO DOC
     408.96                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     790.19                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     360.44                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SISA
      174.1                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO DOC
    1007.96                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     286.35                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     311.55                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     213.05                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     536.05                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NIVA
     510.85                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     274.66                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     202.74                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO DOC
     379.13                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SISA
      244.3                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
    2488.95                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              NO RATIO
     561.25                  2-4 FAMILY                            PURCHASE                               FIXED BALLOON 30/15                              NIVA
     512.28                  2-4 FAMILY                            PURCHASE                               FIXED BALLOON 30/15                              NO DOC
      683.3                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      SISA
     426.84                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SISA
     596.66                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SISA
     536.52                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     457.95                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NIVA
     442.97                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SISA
     397.83                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     351.74                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              NIVA
     600.96                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     287.81                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     200.76                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              SIVA
     591.49                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     419.03                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              NIVA
     374.24                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     488.47                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NIVA
     671.64                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     422.65                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     459.84                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              SIVA
     423.53                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NIVA
     438.67                  PUD                                   PURCHASE                               30 YR FIXED                                      NIVA
     799.78                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NIVA
        429                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NIVA
     328.89                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     902.49                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SISA
     293.22                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
      460.3                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SISA
     342.76                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     536.91                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
      373.3                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     690.62                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     796.48                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SISA
     635.68                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              NIVA
     801.44                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SISA
      518.2                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NIVA
      367.4                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     588.51                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     591.91                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NIVA
    1376.51                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NIVA
     244.95                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NIVA
     723.97                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     248.28                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     891.27                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     328.15                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     896.17                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     506.67                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     317.11                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     358.81                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NIVA
        391                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NIVA
     465.98                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NIVA
     695.19                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SISA
     508.84                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              SIVA
     947.11                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     293.13                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
    1824.57                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NIVA
     252.48                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
    1772.02                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     645.96                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NIVA
     731.67                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     365.72                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     328.36                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     449.73                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     305.86                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     604.59                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NIVA
     406.11                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     578.53                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
      339.5                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     565.43                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     410.76                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              SISA
     273.62                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NIVA
      277.8                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NIVA
     973.84                  SINGLE FAMILY                         PURCHASE                               15 YR FIXED                                      SIVA
     509.09                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     674.22                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NIVA
     208.25                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     443.23                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NIVA
      337.1                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NIVA
     542.97                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SISA
     783.08                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NIVA
     914.74                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NIVA
     664.17                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NIVA
     291.43                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     439.31                  PUD                                   PURCHASE                               15 YR FIXED                                      SIVA
     760.08                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     433.89                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NIVA
     426.37                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NIVA
     819.51                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NIVA
     445.46                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     217.42                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     748.55                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NIVA
     316.32                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     270.37                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              NIVA
     291.49                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     234.72                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     453.65                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     548.67                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NIVA
     446.88                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     240.88                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
        322                  2-4 FAMILY                            PURCHASE                               30 YR FIXED IO                                   SIVA
        240                  2-4 FAMILY                            PURCHASE                               30 YR FIXED IO                                   SIVA
     301.88                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     295.17                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
      212.5                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   FULL/ALT DOC
     148.56                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
      332.5                  CONDO                                 CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     257.27                  CONDO                                 PURCHASE                               30 YR FIXED IO                                   SIVA
     411.25                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
     308.92                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     400.78                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     385.94                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
        255                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     283.96                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     283.96                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     189.96                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     283.96                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
      332.5                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     601.25                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
        390                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     297.92                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     694.23                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     839.58                  PUD                                   CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     260.69                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   FULL/ALT DOC
     286.92                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     570.45                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     334.79                  2-4 FAMILY                            PURCHASE                               FIXED BALLOON 30/15                              SIVA
     163.33                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
        595                  PUD                                   CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     366.41                  2-4 FAMILY                            PURCHASE                               FIXED BALLOON 30/15                              SIVA
     234.79                  2-4 FAMILY                            PURCHASE                               30 YR FIXED IO                                   SIVA
     234.79                  2-4 FAMILY                            PURCHASE                               30 YR FIXED IO                                   SIVA
        200                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     225.63                  PUD                                   RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
     353.53                  2-4 FAMILY                            PURCHASE                               FIXED BALLOON 30/15                              SIVA
     233.26                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     288.44                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     501.56                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
        360                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
     131.98                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     336.67                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     403.33                  PUD                                   CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     551.25                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
      331.2                  2-4 FAMILY                            PURCHASE                               FIXED BALLOON 30/15                              SIVA
    1023.97                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
      352.5                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
    1263.02                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     400.83                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     175.38                  2-4 FAMILY                            PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     270.79                  PUD                                   PURCHASE                               15 YR FIXED IO                                   SIVA
      287.5                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
     485.41                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
      89.58                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   FULL/ALT DOC
      140.6                  SINGLE FAMILY                         PURCHASE                               10 YR FIXED                                      SIVA
        525                  2-4 FAMILY                            CASHOUT REFI                           15 YR FIXED IO                                   SIVA
      75.13                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     190.56                  PUD                                   PURCHASE                               15 YR FIXED                                      SIVA
     142.85                  2-4 FAMILY                            CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
      367.5                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     188.25                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     211.75                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
        481                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     184.69                  2-4 FAMILY                            PURCHASE                               30 YR FIXED IO                                   SIVA
     166.55                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     266.96                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     191.41                  2-4 FAMILY                            PURCHASE                               30 YR FIXED IO                                   SIVA
     275.04                  CONDO                                 PURCHASE                               30 YR FIXED IO                                   SIVA
     135.35                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     583.63                  2-4 FAMILY                            CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     370.58                  SINGLE FAMILY                         CASHOUT REFI                           15 YR FIXED                                      SIVA
      99.03                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              SIVA
     373.97                  2-4 FAMILY                            PURCHASE                               FIXED BALLOON 30/15                              SIVA
     462.19                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   FULL/ALT DOC
     323.09                  2-4 FAMILY                            CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     345.61                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              SIVA
    1683.33                  2-4 FAMILY                            PURCHASE                               30 YR FIXED IO                                   SIVA
     107.81                  2-4 FAMILY                            PURCHASE                               30 YR FIXED IO                                   SIVA
     438.07                  2-4 FAMILY                            PURCHASE                               15 YR FIXED                                      FULL/ALT DOC
        391                  2-4 FAMILY                            PURCHASE                               30 YR FIXED IO                                   SIVA
     567.81                  CONDO                                 PURCHASE                               15 YR FIXED IO                                   SIVA
     219.69                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     138.96                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
        283                  PUD                                   CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     284.22                  2-4 FAMILY                            PURCHASE                               30 YR FIXED IO                                   SIVA
        275                  SINGLE FAMILY                         CASHOUT REFI                           15 YR FIXED IO                                   SIVA
     165.38                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     549.31                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   FULL/ALT DOC
      180.1                  PUD                                   PURCHASE                               15 YR FIXED IO                                   SIVA
     528.31                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     368.45                  2-4 FAMILY                            PURCHASE                               15 YR FIXED                                      SIVA
     568.85                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     155.36                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     106.94                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     106.94                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     135.94                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     138.75                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     169.21                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     270.67                  PUD                                   PURCHASE                               30 YR FIXED IO                                   FULL/ALT DOC
     318.65                  2-4 FAMILY                            PURCHASE                               30 YR FIXED IO                                   SIVA
    1454.69                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
        550                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
      99.03                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     284.38                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
     120.24                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     298.08                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     295.11                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              SIVA
     168.96                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     109.38                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     109.38                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     368.13                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     140.98                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     368.13                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     386.72                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     641.25                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     151.41                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     314.17                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     162.75                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     368.13                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
      239.9                  2-4 FAMILY                            PURCHASE                               30 YR FIXED IO                                   SIVA
     125.71                  2-4 FAMILY                            RATE/TERM REFI                         FIXED BALLOON 30/15                              SIVA
     722.91                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     203.13                  CONDO                                 CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     203.13                  CONDO                                 CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     458.33                  PUD                                   CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     404.19                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   FULL/ALT DOC
     190.13                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
      97.13                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     219.97                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     167.24                  PUD                                   PURCHASE                               30 YR FIXED IO                                   FULL/ALT DOC
     274.11                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     105.75                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     599.69                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   FULL/ALT DOC
     247.57                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     231.59                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     223.22                  2-4 FAMILY                            PURCHASE                               FIXED BALLOON 30/15                              SIVA
     221.15                  2-4 FAMILY                            PURCHASE                               FIXED BALLOON 30/15                              SIVA
     316.67                  2-4 FAMILY                            CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     105.76                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     404.17                  2-4 FAMILY                            PURCHASE                               30 YR FIXED IO                                   SIVA
     254.96                  2-4 FAMILY                            PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     208.15                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     304.17                  PUD                                   CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     290.63                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     189.02                  PUD                                   PURCHASE                               15 YR FIXED                                      SIVA
     428.75                  2-4 FAMILY                            PURCHASE                               30 YR FIXED IO                                   SIVA
     413.44                  2-4 FAMILY                            PURCHASE                               30 YR FIXED IO                                   SIVA
     445.25                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     171.32                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              SIVA
     494.17                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     252.08                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     174.29                  PUD                                   PURCHASE                               15 YR FIXED IO                                   SIVA
    1164.58                  SINGLE FAMILY                         RATE/TERM REFI                         15 YR FIXED IO                                   SIVA
        605                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
     444.58                  SINGLE FAMILY                         CASHOUT REFI                           15 YR FIXED IO                                   SIVA
     113.17                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     255.31                  2-4 FAMILY                            RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
     326.56                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     311.67                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
        375                  CONDO                                 CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     175.27                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     454.69                  2-4 FAMILY                            PURCHASE                               30 YR FIXED IO                                   FULL/ALT DOC
     367.19                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     104.17                  CONDO                                 RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
     102.08                  2-4 FAMILY                            CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     108.33                  2-4 FAMILY                            CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     257.58                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     360.75                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     406.72                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     406.72                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     646.88                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
      335.3                  2-4 FAMILY                            PURCHASE                               15 YR FIXED                                      SIVA
      83.33                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   FULL/ALT DOC
     144.31                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              SIVA
     144.31                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              SIVA
     651.35                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     235.45                  SINGLE FAMILY                         CASHOUT REFI                           15 YR FIXED                                      SIVA
     225.63                  2-4 FAMILY                            PURCHASE                               30 YR FIXED IO                                   FULL/ALT DOC
     519.36                  2-4 FAMILY                            PURCHASE                               FIXED BALLOON 30/15                              SIVA
     117.61                  PUD                                   PURCHASE                               15 YR FIXED                                      SIVA
     582.08                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     120.12                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     560.09                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     284.38                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   FULL/ALT DOC
     195.94                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   FULL/ALT DOC
        340                  2-4 FAMILY                            CASHOUT REFI                           30 YR FIXED IO                                   SIVA
      149.6                  CONDO                                 PURCHASE                               30 YR FIXED IO                                   FULL/ALT DOC
        250                  2-4 FAMILY                            CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     285.77                  SINGLE FAMILY                         PURCHASE                               15 YR FIXED IO                                   FULL/ALT DOC
     303.69                  SINGLE FAMILY                         PURCHASE                               15 YR FIXED IO                                   FULL/ALT DOC
     111.15                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   FULL/ALT DOC
     311.67                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     290.63                  PUD                                   CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     439.38                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
     983.65                  2-4 FAMILY                            PURCHASE                               30 YR FIXED IO                                   SIVA
     166.37                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     431.46                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     427.08                  PUD                                   RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
     346.88                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     543.08                  CONDO                                 PURCHASE                               30 YR FIXED IO                                   NO RATIO
     121.71                  CONDO                                 PURCHASE                               30 YR FIXED IO                                   SIVA
     238.33                  PUD                                   RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
     350.73                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     307.08                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     270.42                  PUD                                   CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     392.06                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
     483.96                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     360.94                  PUD                                   CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     361.32                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     148.83                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     210.27                  SINGLE FAMILY                         PURCHASE                               15 YR FIXED                                      SIVA
      139.3                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     295.31                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     680.42                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     131.54                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   FULL/ALT DOC
     546.25                  PUD                                   CASHOUT REFI                           30 YR FIXED IO                                   FULL/ALT DOC
      166.3                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     314.17                  PUD                                   CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     264.38                  PUD                                   CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     300.75                  PUD                                   RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
     306.38                  SINGLE FAMILY                         PURCHASE                               15 YR FIXED IO                                   FULL/ALT DOC
      398.9                  SINGLE FAMILY                         PURCHASE                               15 YR FIXED IO                                   SIVA
     388.65                  2-4 FAMILY                            CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     295.04                  SINGLE FAMILY                         CASHOUT REFI                           10 YR FIXED                                      SIVA
     573.96                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
        206                  2-4 FAMILY                            PURCHASE                               30 YR FIXED IO                                   SIVA
     158.69                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
        875                  PUD                                   RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
     106.88                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     183.33                  PUD                                   RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
      148.5                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     121.35                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     333.13                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     289.42                  CONDO                                 PURCHASE                               30 YR FIXED IO                                   FULL/ALT DOC
     268.33                  CONDO                                 PURCHASE                               30 YR FIXED IO                                   FULL/ALT DOC
     216.75                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     652.29                  SINGLE FAMILY                         CASHOUT REFI                           15 YR FIXED IO                                   SIVA
      101.9                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
      562.5                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     125.98                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     333.33                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     277.23                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     219.66                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     131.71                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     434.25                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     229.14                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     435.73                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     166.97                  CONDO                                 RATE/TERM REFI                         15 YR FIXED                                      SIVA
     246.26                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     106.95                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     106.95                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     147.55                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
      294.5                  CONDO                                 PURCHASE                               30 YR FIXED IO                                   FULL/ALT DOC
     280.31                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
      450.4                  PUD                                   RATE/TERM REFI                         FIXED BALLOON 30/15                              SIVA
     210.27                  2-4 FAMILY                            PURCHASE                               15 YR FIXED                                      SIVA
     292.27                  2-4 FAMILY                            PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
        723                  2-4 FAMILY                            CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     144.26                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     484.38                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     193.23                  2-4 FAMILY                            PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     362.29                  PUD                                   RATE/TERM REFI                         15 YR FIXED IO                                   SIVA
      96.25                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     181.98                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     170.66                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     121.63                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     101.04                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   FULL/ALT DOC
     135.42                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
        550                  2-4 FAMILY                            CASHOUT REFI                           30 YR FIXED IO                                   SIVA
         75                  PUD                                   PURCHASE                               15 YR FIXED IO                                   SIVA
      262.5                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
        510                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     379.44                  CONDO                                 PURCHASE                               30 YR FIXED IO                                   SIVA
     227.81                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
        342                  CONDO                                 PURCHASE                               30 YR FIXED IO                                   SIVA
     207.81                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     265.42                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     152.09                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   FULL/ALT DOC
     364.38                  2-4 FAMILY                            CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     249.17                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     216.67                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     339.51                  2-4 FAMILY                            CASHOUT REFI                           15 YR FIXED                                      FULL/ALT DOC
     338.04                  PUD                                   RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
      421.1                  PUD                                   RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
     200.73                  2-4 FAMILY                            RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
     468.75                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     247.04                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
     323.43                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     672.03                  SINGLE FAMILY                         PURCHASE                               15 YR FIXED IO                                   SIVA
     109.08                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     324.58                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
     528.13                  PUD                                   CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     291.15                  PUD                                   CASHOUT REFI                           30 YR FIXED IO                                   FULL/ALT DOC
     395.83                  CONDO                                 RATE/TERM REFI                         15 YR FIXED IO                                   SIVA
     103.25                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
      93.75                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
        555                  SINGLE FAMILY                         CASHOUT REFI                           15 YR FIXED IO                                   SIVA
      95.63                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
      93.75                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     182.95                  CONDO                                 CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
      93.75                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     476.67                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
        375                  SINGLE FAMILY                         PURCHASE                               15 YR FIXED IO                                   SIVA
      95.83                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   FULL/ALT DOC
     252.34                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   FULL/ALT DOC
     116.67                  PUD                                   RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
     271.82                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   FULL/ALT DOC
        280                  2-4 FAMILY                            PURCHASE                               30 YR FIXED IO                                   SIVA
      429.4                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
        399                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
     287.76                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   FULL/ALT DOC
     385.42                  CONDO                                 CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     291.69                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     380.42                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
        390                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     229.73                  CONDO                                 PURCHASE                               15 YR FIXED                                      SIVA
     249.34                  CONDO                                 PURCHASE                               30 YR FIXED IO                                   SIVA
     123.75                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     372.75                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     249.34                  CONDO                                 PURCHASE                               30 YR FIXED IO                                   SIVA
     214.88                  SINGLE FAMILY                         PURCHASE                               15 YR FIXED                                      FULL/ALT DOC
        365                  PUD                                   CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     492.19                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   FULL/ALT DOC
        345                  PUD                                   RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
      232.7                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     208.56                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     252.65                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
      143.7                  PUD                                   CASHOUT REFI                           15 YR FIXED                                      SIVA
     201.88                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
     301.88                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
        309                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     214.97                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     356.25                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     373.75                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     457.44                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     238.63                  PUD                                   CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     131.08                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     104.17                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     229.17                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
        520                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
      637.5                  2-4 FAMILY                            PURCHASE                               30 YR FIXED IO                                   SIVA
     543.75                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     508.13                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     308.33                  PUD                                   RATE/TERM REFI                         30 YR FIXED IO                                   FULL/ALT DOC
     327.09                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              SIVA
      287.4                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     393.15                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
        219                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     505.21                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     434.05                  CONDO                                 CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
    1324.94                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     320.83                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     380.73                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
        125                  SINGLE FAMILY                         RATE/TERM REFI                         15 YR FIXED IO                                   SIVA
     859.86                  2-4 FAMILY                            PURCHASE                               30 YR FIXED IO                                   SIVA
     766.19                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     152.17                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
      357.4                  CONDO                                 CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     348.59                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     403.33                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   FULL/ALT DOC
     239.58                  PUD                                   RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
     256.25                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     134.59                  SINGLE FAMILY                         CASHOUT REFI                           15 YR FIXED                                      SIVA
     169.42                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
        405                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
     315.04                  PUD                                   PURCHASE                               15 YR FIXED                                      FULL/ALT DOC
        285                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     193.59                  CONDO                                 PURCHASE                               15 YR FIXED                                      SIVA
      247.5                  PUD                                   RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
     191.02                  2-4 FAMILY                            PURCHASE                               30 YR FIXED IO                                   SIVA
     305.47                  CONDO                                 CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     308.18                  PUD                                   CASHOUT REFI                           30 YR FIXED IO                                   SIVA
      91.67                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     281.63                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     142.85                  2-4 FAMILY                            CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     207.96                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     258.75                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
     335.42                  SINGLE FAMILY                         CASHOUT REFI                           15 YR FIXED IO                                   SIVA
     100.94                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     227.96                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     215.63                  2-4 FAMILY                            PURCHASE                               30 YR FIXED IO                                   SIVA
     132.19                  2-4 FAMILY                            PURCHASE                               30 YR FIXED IO                                   SIVA
     132.19                  2-4 FAMILY                            PURCHASE                               30 YR FIXED IO                                   SIVA
     145.83                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   FULL/ALT DOC
      104.5                  PUD                                   RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
      239.9                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     317.17                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
     206.25                  PUD                                   RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
        230                  2-4 FAMILY                            PURCHASE                               30 YR FIXED IO                                   SIVA
        230                  2-4 FAMILY                            PURCHASE                               30 YR FIXED IO                                   SIVA
     198.06                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              SIVA
     323.44                  PUD                                   CASHOUT REFI                           30 YR FIXED IO                                   SIVA
        100                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     318.75                  PUD                                   CASHOUT REFI                           30 YR FIXED IO                                   SIVA
        195                  2-4 FAMILY                            PURCHASE                               30 YR FIXED IO                                   SIVA
     916.67                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     657.71                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     297.78                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     941.41                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
        242                  CONDO                                 PURCHASE                               30 YR FIXED IO                                   SIVA
     255.31                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   FULL/ALT DOC
     529.58                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
        255                  PUD                                   CASHOUT REFI                           30 YR FIXED IO                                   SIVA
        130                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
     401.46                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     261.89                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     481.77                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
      318.5                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   FULL/ALT DOC
        105                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     354.38                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     729.17                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     458.33                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
     156.21                  PUD                                   PURCHASE                               30 YR FIXED IO                                   FULL/ALT DOC
     268.75                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     204.65                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
        330                  2-4 FAMILY                            CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     128.33                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     145.13                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
      552.5                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     381.88                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     397.83                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   NO RATIO
     133.93                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     310.75                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
    1461.15                  2-4 FAMILY                            PURCHASE                               30 YR FIXED IO                                   SIVA
        385                  PUD                                   RATE/TERM REFI                         15 YR FIXED IO                                   SIVA
      98.96                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   FULL/ALT DOC
     177.26                  SINGLE FAMILY                         PURCHASE                               15 YR FIXED IO                                   SIVA
     248.44                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
     217.38                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     224.58                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     263.72                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
      138.4                  PUD                                   PURCHASE                               15 YR FIXED IO                                   SIVA
      337.5                  PUD                                   CASHOUT REFI                           30 YR FIXED IO                                   SIVA
      687.7                  2-4 FAMILY                            PURCHASE                               30 YR FIXED IO                                   SIVA
     304.33                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
        195                  2-4 FAMILY                            PURCHASE                               30 YR FIXED IO                                   SIVA
        150                  PUD                                   PURCHASE                               30 YR FIXED IO                                   FULL/ALT DOC
     158.33                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     133.66                  PUD                                   PURCHASE                               15 YR FIXED IO                                   SIVA
     256.25                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     250.58                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     353.44                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     124.32                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
        350                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     572.81                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
        195                  2-4 FAMILY                            PURCHASE                               30 YR FIXED IO                                   SIVA
      337.5                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     495.21                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     241.67                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     198.25                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     427.08                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
     479.38                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     255.94                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     492.93                  CONDO                                 PURCHASE                               30 YR FIXED IO                                   SIVA
     294.05                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              SIVA
     191.98                  CONDO                                 PURCHASE                               30 YR FIXED IO                                   SIVA
     285.47                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
        253                  PUD                                   CASHOUT REFI                           30 YR FIXED IO                                   SIVA
      422.5                  PUD                                   CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     494.48                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     313.54                  CONDO                                 CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     381.36                  SINGLE FAMILY                         CASHOUT REFI                           15 YR FIXED                                      SIVA
     127.27                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     331.88                  PUD                                   CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     666.25                  PUD                                   RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
      427.5                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
     194.19                  CONDO                                 PURCHASE                               30 YR FIXED IO                                   SIVA
     442.75                  PUD                                   CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     965.74                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
      812.5                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     273.75                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
        300                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     239.88                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
      122.8                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     618.31                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
     514.08                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
      112.5                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
     504.17                  PUD                                   RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
     220.31                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
      84.09                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     197.08                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     286.88                  2-4 FAMILY                            PURCHASE                               30 YR FIXED IO                                   SIVA
     147.77                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     134.15                  CONDO                                 PURCHASE                               15 YR FIXED IO                                   SIVA
     316.04                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
     426.25                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   FULL/ALT DOC
        255                  CONDO                                 PURCHASE                               30 YR FIXED IO                                   SIVA
     249.32                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     490.42                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     264.85                  CONDO                                 CASHOUT REFI                           15 YR FIXED                                      FULL/ALT DOC
     249.38                  PUD                                   CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     242.06                  2-4 FAMILY                            PURCHASE                               FIXED BALLOON 30/15                              SIVA
     249.32                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     376.19                  2-4 FAMILY                            PURCHASE                               FIXED BALLOON 30/15                              SIVA
     269.51                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     492.75                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
    1329.17                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     163.57                  2-4 FAMILY                            PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     361.46                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     251.88                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     211.98                  PUD                                   RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
     324.73                  CONDO                                 RATE/TERM REFI                         FIXED BALLOON 30/15                              SIVA
     148.75                  2-4 FAMILY                            PURCHASE                               30 YR FIXED IO                                   SIVA
     138.16                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     168.75                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     573.75                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     169.89                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     397.94                  2-4 FAMILY                            PURCHASE                               FIXED BALLOON 30/15                              SIVA
     520.92                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     119.94                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     175.16                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     267.19                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
     317.95                  2-4 FAMILY                            PURCHASE                               FIXED BALLOON 30/15                              SIVA
     197.03                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     483.75                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     279.71                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     120.98                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     377.71                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   FULL/ALT DOC
     215.63                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     281.88                  PUD                                   CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     326.67                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     233.33                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   FULL/ALT DOC
        675                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     240.02                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     480.33                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
      437.5                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED IO                                   FULL/ALT DOC
     241.67                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     261.89                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
      547.5                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     664.32                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
      298.5                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
        300                  SINGLE FAMILY                         CASHOUT REFI                           15 YR FIXED IO                                   SIVA
     220.86                  SINGLE FAMILY                         CASHOUT REFI                           15 YR FIXED                                      SIVA
     609.38                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     149.48                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
        120                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     644.06                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     199.77                  2-4 FAMILY                            PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
      162.5                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     404.25                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
      479.5                  PUD                                   RATE/TERM REFI                         15 YR FIXED IO                                   SIVA
     259.79                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   FULL/ALT DOC
     158.69                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     490.83                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     104.13                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     164.46                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     543.75                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
        570                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     311.19                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     271.33                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     205.83                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
        690                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     672.11                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
      487.5                  PUD                                   RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
     111.92                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
      93.35                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     556.56                  PUD                                   CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     289.84                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     113.08                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     423.95                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     504.08                  CONDO                                 CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     558.13                  2-4 FAMILY                            PURCHASE                               30 YR FIXED IO                                   SIVA
     216.56                  2-4 FAMILY                            PURCHASE                               30 YR FIXED IO                                   SIVA
      90.54                  2-4 FAMILY                            PURCHASE                               30 YR FIXED IO                                   FULL/ALT DOC
     233.75                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     446.88                  SINGLE FAMILY                         CASHOUT REFI                           15 YR FIXED                                      SIVA
        283                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     103.82                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     536.25                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     408.06                  2-4 FAMILY                            CASHOUT REFI                           15 YR FIXED                                      SIVA
        407                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     321.34                  PUD                                   RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
     796.88                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     177.38                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   FULL/ALT DOC
     300.63                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     234.79                  2-4 FAMILY                            RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
     306.25                  SINGLE FAMILY                         RATE/TERM REFI                         15 YR FIXED IO                                   SIVA
        312                  2-4 FAMILY                            RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
     531.67                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     418.44                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     104.55                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
        275                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
     484.31                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
      247.5                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     636.46                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     205.83                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     201.25                  2-4 FAMILY                            PURCHASE                               30 YR FIXED IO                                   SIVA
     174.17                  CONDO                                 PURCHASE                               30 YR FIXED IO                                   SIVA
     174.17                  CONDO                                 PURCHASE                               30 YR FIXED IO                                   SIVA
      173.3                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     243.75                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
        200                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
     313.33                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     188.13                  CONDO                                 PURCHASE                               30 YR FIXED IO                                   SIVA
     389.58                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     197.08                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
      236.5                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     216.13                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED IO                                   FULL/ALT DOC
        720                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
      302.5                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     601.25                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     389.58                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
     543.75                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     250.64                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              SIVA
     657.26                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     110.83                  CONDO                                 PURCHASE                               30 YR FIXED IO                                   SIVA
     148.33                  2-4 FAMILY                            CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     379.17                  PUD                                   RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
     819.56                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     166.46                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     342.59                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
      412.5                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     385.79                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     381.88                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
      292.5                  PUD                                   CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     342.83                  PUD                                   RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
        400                  2-4 FAMILY                            CASHOUT REFI                           30 YR FIXED IO                                   SIVA
      64.58                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED IO                                   FULL/ALT DOC
      213.5                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
        375                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
      302.5                  PUD                                   CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     272.33                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     726.04                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     328.13                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     110.83                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
        210                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     434.61                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     358.59                  SINGLE FAMILY                         PURCHASE                               15 YR FIXED                                      SIVA
     159.92                  SINGLE FAMILY                         PURCHASE                               15 YR FIXED IO                                   FULL/ALT DOC
     268.85                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     610.75                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
      104.5                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
      192.6                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     1263.9                  2-4 FAMILY                            PURCHASE                               30 YR FIXED IO                                   SIVA
      385.5                  SINGLE FAMILY                         PURCHASE                               10 YR FIXED                                      SIVA
      237.5                  2-4 FAMILY                            PURCHASE                               30 YR FIXED IO                                   SIVA
     169.58                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
      84.79                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
     695.21                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     200.53                  2-4 FAMILY                            PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     204.17                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED IO                                   FULL/ALT DOC
     120.44                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
      365.9                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
        125                  CONDO                                 CASHOUT REFI                           15 YR FIXED IO                                   SIVA
      91.67                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
        255                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
      162.5                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED IO                                   FULL/ALT DOC
     239.25                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
        200                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     407.92                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
      562.5                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     435.73                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     261.15                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     184.97                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     169.75                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
        875                  2-4 FAMILY                            CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     438.79                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     186.88                  PUD                                   CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     182.08                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     156.67                  CONDO                                 PURCHASE                               30 YR FIXED IO                                   SIVA
     421.82                  SINGLE FAMILY                         CASHOUT REFI                           15 YR FIXED IO                                   SIVA
     379.69                  2-4 FAMILY                            CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     103.13                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     916.67                  PUD                                   RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
     300.09                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   FULL/ALT DOC
     179.17                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     183.33                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
     306.25                  2-4 FAMILY                            CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     208.54                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     223.68                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
        375                  2-4 FAMILY                            PURCHASE                               30 YR FIXED IO                                   SIVA
     164.08                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     324.58                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
      697.5                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     994.27                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     458.33                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     365.41                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     291.83                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   FULL/ALT DOC
      187.5                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     400.78                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
      229.5                  PUD                                   PURCHASE                               30 YR FIXED IO                                   FULL/ALT DOC
     207.19                  CONDO                                 PURCHASE                               30 YR FIXED IO                                   SIVA
     400.56                  CONDO                                 CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     490.42                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
      181.5                  SINGLE FAMILY                         RATE/TERM REFI                         15 YR FIXED IO                                   FULL/ALT DOC
     200.73                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   FULL/ALT DOC
     363.75                  2-4 FAMILY                            PURCHASE                               30 YR FIXED IO                                   SIVA
        345                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     302.08                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
    1002.66                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     340.42                  2-4 FAMILY                            CASHOUT REFI                           30 YR FIXED IO                                   SIVA
        250                  PUD                                   CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     267.19                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     267.19                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
    2104.17                  2-4 FAMILY                            CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     154.77                  SINGLE FAMILY                         CASHOUT REFI                           15 YR FIXED                                      SIVA
     154.17                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     102.08                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     253.61                  2-4 FAMILY                            PURCHASE                               30 YR FIXED IO                                   FULL/ALT DOC
     341.25                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     379.45                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     184.29                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     346.88                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
      426.4                  2-4 FAMILY                            PURCHASE                               30 YR FIXED IO                                   SIVA
     366.67                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     165.88                  PUD                                   PURCHASE                               15 YR FIXED                                      SIVA
        212                  2-4 FAMILY                            PURCHASE                               30 YR FIXED IO                                   SIVA
     164.83                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     229.97                  CONDO                                 PURCHASE                               30 YR FIXED IO                                   SIVA
     229.97                  CONDO                                 PURCHASE                               30 YR FIXED IO                                   SIVA
     154.51                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   FULL/ALT DOC
     294.18                  2-4 FAMILY                            PURCHASE                               FIXED BALLOON 30/15                              SIVA
     426.56                  PUD                                   CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     609.38                  PUD                                   CASHOUT REFI                           30 YR FIXED IO                                   SIVA
      91.67                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
        231                  PUD                                   CASHOUT REFI                           15 YR FIXED IO                                   SIVA
     590.53                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     391.67                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     325.14                  SINGLE FAMILY                         CASHOUT REFI                           15 YR FIXED IO                                   SIVA
        475                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     349.13                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
      437.5                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     230.56                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     156.67                  PUD                                   RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
     146.88                  PUD                                   CASHOUT REFI                           30 YR FIXED IO                                   SIVA
      439.9                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   FULL/ALT DOC
     471.25                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     148.44                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     301.95                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              SIVA
     162.92                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     362.03                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     456.63                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     350.63                  CONDO                                 CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     806.67                  PUD                                   CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     879.71                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     556.35                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
    1425.78                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
      93.75                  CONDO                                 PURCHASE                               30 YR FIXED IO                                   SIVA
     461.04                  PUD                                   CASHOUT REFI                           15 YR FIXED                                      SIVA
      344.9                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     372.08                  PUD                                   CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     238.33                  PUD                                   CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     517.89                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     398.13                  2-4 FAMILY                            CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     457.37                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     630.54                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
     440.83                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     139.04                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     342.83                  PUD                                   RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
     597.72                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     988.23                  2-4 FAMILY                            PURCHASE                               30 YR FIXED IO                                   SIVA
     213.69                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
        375                  PUD                                   CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     454.85                  SINGLE FAMILY                         CASHOUT REFI                           10 YR FIXED                                      SIVA
     258.13                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     646.88                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
     153.71                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
      137.5                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     275.47                  SINGLE FAMILY                         PURCHASE                               15 YR FIXED                                      SIVA
        450                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
      487.5                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     831.25                  PUD                                   CASHOUT REFI                           30 YR FIXED IO                                   SIVA
        290                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
        222                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     249.38                  PUD                                   RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
     265.42                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     910.42                  PUD                                   CASHOUT REFI                           30 YR FIXED IO                                   SIVA
        375                  PUD                                   CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     296.25                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     516.25                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     178.65                  PUD                                   CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     298.65                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     560.63                  SINGLE FAMILY                         CASHOUT REFI                           15 YR FIXED IO                                   SIVA
     198.75                  PUD                                   CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     378.88                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     368.13                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   FULL/ALT DOC
     121.88                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     312.81                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
       93.5                  2-4 FAMILY                            PURCHASE                               30 YR FIXED IO                                   FULL/ALT DOC
     414.71                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
        580                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     281.88                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
     131.98                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     413.97                  SINGLE FAMILY                         CASHOUT REFI                           10 YR FIXED                                      SIVA
     196.88                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     315.59                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     446.88                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     332.92                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     372.08                  CONDO                                 PURCHASE                               30 YR FIXED IO                                   SIVA
     264.17                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     680.17                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     366.67                  PUD                                   CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     191.67                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     257.56                  PUD                                   CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     207.31                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     224.03                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
     730.31                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     194.85                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     402.19                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     167.09                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     183.65                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
      157.6                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   FULL/ALT DOC
     281.76                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
        550                  2-4 FAMILY                            PURCHASE                               30 YR FIXED IO                                   SIVA
     445.86                  2-4 FAMILY                            PURCHASE                               15 YR FIXED                                      SIVA
     241.08                  PUD                                   RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
     689.25                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   FULL/ALT DOC
     323.13                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     505.83                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
      247.5                  PUD                                   CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     163.17                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     257.25                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
         75                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     154.42                  PUD                                   CASHOUT REFI                           30 YR FIXED IO                                   FULL/ALT DOC
     114.36                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     211.46                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   FULL/ALT DOC
      162.5                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
      367.4                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     161.69                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     267.31                  CONDO                                 PURCHASE                               30 YR FIXED IO                                   SIVA
     354.58                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     300.83                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     297.09                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     130.81                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   FULL/ALT DOC
     105.63                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
        210                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
     108.17                  PUD                                   CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     160.31                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
     292.73                  2-4 FAMILY                            CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     309.06                  SINGLE FAMILY                         RATE/TERM REFI                         15 YR FIXED IO                                   SIVA
     740.63                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     354.99                  PUD                                   CASHOUT REFI                           15 YR FIXED                                      FULL/ALT DOC
     118.25                  SINGLE FAMILY                         PURCHASE                               15 YR FIXED IO                                   SIVA
      334.5                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     491.54                  2-4 FAMILY                            PURCHASE                               30 YR FIXED IO                                   FULL/ALT DOC
      178.5                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   FULL/ALT DOC
     380.46                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     236.94                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     438.07                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     456.98                  PUD                                   CASHOUT REFI                           30 YR FIXED IO                                   SIVA
    1167.75                  PUD                                   CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     151.25                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
      90.47                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
        470                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     222.18                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     205.35                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              SIVA
     418.44                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
      187.5                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
      202.5                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
        500                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     372.19                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     212.99                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
        280                  PUD                                   CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     284.38                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     184.08                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     203.01                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     288.75                  2-4 FAMILY                            CASHOUT REFI                           30 YR FIXED IO                                   SIVA
        450                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     265.03                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     450.94                  SINGLE FAMILY                         PURCHASE                               15 YR FIXED IO                                   SIVA
     372.08                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
      159.5                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     182.42                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     501.56                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     418.44                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     106.77                  2-4 FAMILY                            PURCHASE                               30 YR FIXED IO                                   FULL/ALT DOC
     128.74                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              SIVA
     371.25                  PUD                                   CASHOUT REFI                           15 YR FIXED IO                                   SIVA
     490.83                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     132.25                  2-4 FAMILY                            PURCHASE                               30 YR FIXED IO                                   SIVA
     264.06                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     457.37                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     418.54                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
     485.03                  PUD                                   CASHOUT REFI                           15 YR FIXED                                      SIVA
     646.25                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
     601.25                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
      193.5                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     917.97                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
     169.58                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
     365.75                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     304.69                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
        550                  2-4 FAMILY                            CASHOUT REFI                           30 YR FIXED IO                                   SIVA
        490                  CONDO                                 CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     378.94                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
        188                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     233.75                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
      307.5                  PUD                                   RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
     501.98                  CONDO                                 RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
     371.88                  CONDO                                 CASHOUT REFI                           30 YR FIXED IO                                   SIVA
      512.5                  PUD                                   PURCHASE                               15 YR FIXED IO                                   SIVA
     476.08                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     148.42                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     339.75                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     358.44                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   NO RATIO
        700                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     137.81                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     409.06                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     232.83                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
        720                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
      225.5                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     304.74                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     382.81                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     643.23                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   FULL/ALT DOC
     114.58                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
    1053.33                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     138.75                  PUD                                   RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
     342.84                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
    1056.09                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
        222                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     269.27                  PUD                                   CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     102.81                  PUD                                   RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
     293.75                  CONDO                                 CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     264.94                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   NO RATIO
     152.29                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     416.67                  2-4 FAMILY                            CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     145.21                  PUD                                   RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
     146.46                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
     159.25                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
        575                  2-4 FAMILY                            PURCHASE                               30 YR FIXED IO                                   SIVA
     536.46                  PUD                                   CASHOUT REFI                           30 YR FIXED IO                                   SIVA
      187.5                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     478.77                  2-4 FAMILY                            PURCHASE                               30 YR FIXED IO                                   SIVA
      93.75                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     121.88                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     513.33                  PUD                                   CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     162.92                  PUD                                   PURCHASE                               30 YR FIXED IO                                   FULL/ALT DOC
      93.75                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
      93.75                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     258.38                  2-4 FAMILY                            PURCHASE                               30 YR FIXED IO                                   SIVA
     358.85                  2-4 FAMILY                            PURCHASE                               30 YR FIXED IO                                   SIVA
     498.75                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
     104.55                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     593.13                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
      226.2                  CONDO                                 PURCHASE                               30 YR FIXED IO                                   SIVA
     190.63                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     155.83                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
     375.83                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   FULL/ALT DOC
     342.19                  PUD                                   CASHOUT REFI                           30 YR FIXED IO                                   SIVA
        435                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     235.88                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     123.39                  CONDO                                 CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     248.44                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     192.78                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
      95.83                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     201.19                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     340.63                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     125.73                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
     445.63                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     329.06                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   FULL/ALT DOC
     328.42                  PUD                                   PURCHASE                               15 YR FIXED                                      SIVA
     638.06                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   NO RATIO
     219.48                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
      469.5                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     436.27                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     224.11                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     826.88                  2-4 FAMILY                            CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     696.18                  2-4 FAMILY                            PURCHASE                               30 YR FIXED IO                                   SIVA
        511                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     503.75                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   NO RATIO
      242.5                  2-4 FAMILY                            RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
     229.77                  CONDO                                 PURCHASE                               30 YR FIXED IO                                   SIVA
     454.69                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     464.48                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     740.91                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     395.13                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     429.17                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     890.63                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   NO RATIO
     862.21                  SINGLE FAMILY                         PURCHASE                               15 YR FIXED                                      SIVA
     489.22                  PUD                                   PURCHASE                               30 YR FIXED IO                                   NO RATIO
     412.21                  CONDO                                 CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     142.85                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     391.72                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     120.35                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     138.09                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              NO RATIO
     572.95                  2-4 FAMILY                            PURCHASE                               FIXED BALLOON 30/15                              SIVA
     542.11                  2-4 FAMILY                            PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     173.33                  PUD                                   RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
     213.99                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     212.67                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
      259.9                  2-4 FAMILY                            PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     493.17                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
        275                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     161.14                  2-4 FAMILY                            PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     287.25                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     559.97                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     116.08                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     774.33                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     192.19                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     216.33                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     182.81                  PUD                                   CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     733.73                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
        370                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
        627                  2-4 FAMILY                            CASHOUT REFI                           15 YR FIXED IO                                   SIVA
     263.27                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     435.73                  SINGLE FAMILY                         CASHOUT REFI                           15 YR FIXED IO                                   SIVA
     132.19                  2-4 FAMILY                            PURCHASE                               30 YR FIXED IO                                   SIVA
     545.42                  PUD                                   RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
     602.58                  2-4 FAMILY                            PURCHASE                               10 YR FIXED                                      SIVA
     375.83                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     678.98                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   FULL/ALT DOC
     370.31                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     220.31                  SINGLE FAMILY                         CASHOUT REFI                           15 YR FIXED IO                                   SIVA
        299                  2-4 FAMILY                            CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     910.63                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   NO RATIO
     190.78                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     1687.5                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     158.48                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     769.17                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     596.12                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     217.81                  2-4 FAMILY                            PURCHASE                               30 YR FIXED IO                                   FULL/ALT DOC
      696.4                  SINGLE FAMILY                         CASHOUT REFI                           15 YR FIXED                                      SIVA
     288.95                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     232.75                  CONDO                                 CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     835.31                  SINGLE FAMILY                         CASHOUT REFI                           15 YR FIXED IO                                   NO RATIO
     366.63                  PUD                                   CASHOUT REFI                           30 YR FIXED IO                                   SIVA
        205                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     209.94                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     590.63                  PUD                                   CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     389.06                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     109.69                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     364.88                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   FULL/ALT DOC
     293.33                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
     387.19                  CONDO                                 PURCHASE                               30 YR FIXED IO                                   SIVA
        345                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     434.69                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     328.13                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     399.79                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     179.71                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     228.44                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     548.23                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   NO RATIO
      95.83                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
        100                  CONDO                                 PURCHASE                               30 YR FIXED IO                                   SIVA
     104.17                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     104.17                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     622.42                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     365.75                  PUD                                   CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     336.88                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
      187.5                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     114.58                  2-4 FAMILY                            CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     270.42                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     224.04                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
      187.5                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     792.23                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
     190.67                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     235.63                  PUD                                   CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     424.67                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
        165                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   FULL/ALT DOC
     273.58                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     263.54                  SINGLE FAMILY                         PURCHASE                               15 YR FIXED IO                                   SIVA
     510.94                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
      490.3                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
      500.2                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     586.98                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
        492                  CONDO                                 PURCHASE                               30 YR FIXED IO                                   SIVA
        132                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     118.41                  2-4 FAMILY                            PURCHASE                               15 YR FIXED                                      FULL/ALT DOC
     766.67                  CONDO                                 PURCHASE                               30 YR FIXED IO                                   SIVA
     211.46                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   FULL/ALT DOC
     220.08                  PUD                                   RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
     168.67                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     165.52                  PUD                                   PURCHASE                               30 YR FIXED IO                                   FULL/ALT DOC
     158.96                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     528.75                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     274.17                  CONDO                                 PURCHASE                               30 YR FIXED IO                                   SIVA
        320                  PUD                                   CASHOUT REFI                           30 YR FIXED IO                                   FULL/ALT DOC
      237.5                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     201.67                  PUD                                   CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     312.19                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
        255                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     226.42                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     123.96                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   FULL/ALT DOC
     138.64                  2-4 FAMILY                            PURCHASE                               FIXED BALLOON 30/15                              SIVA
     333.33                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   FULL/ALT DOC
     141.98                  CONDO                                 PURCHASE                               30 YR FIXED IO                                   SIVA
     201.56                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     145.92                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   FULL/ALT DOC
      302.5                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     235.88                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     303.17                  2-4 FAMILY                            PURCHASE                               FIXED BALLOON 30/15                              SIVA
     120.73                  CONDO                                 PURCHASE                               30 YR FIXED IO                                   SIVA
     640.63                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     139.09                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     107.81                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
      305.5                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
      291.5                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     109.69                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     117.19                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     168.35                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     522.29                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     245.15                  CONDO                                 PURCHASE                               30 YR FIXED IO                                   SIVA
     299.75                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     924.48                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     275.63                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     124.52                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   FULL/ALT DOC
      717.5                  PUD                                   CASHOUT REFI                           30 YR FIXED IO                                   SIVA
    1039.17                  PUD                                   CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     264.06                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     880.73                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     568.33                  2-4 FAMILY                            CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     204.65                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     213.46                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     178.75                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     193.38                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     113.44                  PUD                                   RATE/TERM REFI                         30 YR FIXED IO                                   FULL/ALT DOC
     204.65                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     213.46                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     146.36                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     328.24                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     910.63                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
      208.9                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
        250                  PUD                                   CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     490.49                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     201.71                  SINGLE FAMILY                         CASHOUT REFI                           15 YR FIXED IO                                   SIVA
     743.13                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   NO RATIO
        338                  PUD                                   CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     404.17                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
        182                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
       3335                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     191.97                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     539.05                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
        418                  2-4 FAMILY                            RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
     559.96                  CONDO                                 PURCHASE                               30 YR FIXED IO                                   NO RATIO
     381.56                  PUD                                   PURCHASE                               30 YR FIXED IO                                   NO RATIO
     569.94                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   FULL/ALT DOC
      80.21                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     305.38                  PUD                                   PURCHASE                               30 YR FIXED IO                                   NO RATIO
     825.31                  2-4 FAMILY                            PURCHASE                               30 YR FIXED IO                                   SIVA
     189.38                  2-4 FAMILY                            PURCHASE                               30 YR FIXED IO                                   SIVA
        415                  CONDO                                 CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     769.43                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   NO RATIO
        376                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              NO RATIO
      227.5                  SINGLE FAMILY                         CASHOUT REFI                           15 YR FIXED IO                                   FULL/ALT DOC
        160                  PUD                                   PURCHASE                               30 YR FIXED IO                                   FULL/ALT DOC
     253.13                  PUD                                   CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     271.88                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     436.33                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     328.13                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
     595.83                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     176.04                  2-4 FAMILY                            PURCHASE                               30 YR FIXED IO                                   FULL/ALT DOC
     516.25                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
     340.44                  CONDO                                 PURCHASE                               30 YR FIXED IO                                   SIVA
     376.63                  SINGLE FAMILY                         CASHOUT REFI                           10 YR FIXED                                      SIVA
     652.67                  PUD                                   CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     385.79                  CONDO                                 PURCHASE                               30 YR FIXED IO                                   SIVA
      247.7                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     633.33                  2-4 FAMILY                            PURCHASE                               30 YR FIXED IO                                   SIVA
     175.36                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     403.13                  PUD                                   CASHOUT REFI                           30 YR FIXED IO                                   FULL/ALT DOC
     584.91                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     509.17                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     260.86                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     338.02                  CONDO                                 CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     273.13                  PUD                                   PURCHASE                               15 YR FIXED IO                                   FULL/ALT DOC
     446.26                  SINGLE FAMILY                         CASHOUT REFI                           15 YR FIXED                                      FULL/ALT DOC
        300                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     312.71                  CONDO                                 PURCHASE                               30 YR FIXED IO                                   SIVA
     162.25                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     283.67                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     206.04                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
        840                  CONDO                                 PURCHASE                               30 YR FIXED IO                                   SIVA
     198.88                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     421.04                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     570.32                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     265.83                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
      337.5                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
    1127.83                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
        245                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     342.47                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     567.92                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     391.08                  CONDO                                 PURCHASE                               30 YR FIXED IO                                   SIVA
     429.38                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
      99.98                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     580.94                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
        116                  PUD                                   PURCHASE                               30 YR FIXED IO                                   FULL/ALT DOC
     341.25                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
     627.72                  SINGLE FAMILY                         CASHOUT REFI                           10 YR FIXED                                      SIVA
     199.33                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
     248.21                  2-4 FAMILY                            PURCHASE                               30 YR FIXED IO                                   SIVA
     115.31                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
        156                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     166.83                  CONDO                                 PURCHASE                               30 YR FIXED IO                                   SIVA
     529.88                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     380.25                  SINGLE FAMILY                         CASHOUT REFI                           15 YR FIXED IO                                   SIVA
     181.04                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     135.83                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   FULL/ALT DOC
     569.42                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     210.62                  CONDO                                 CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     346.88                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     295.83                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   FULL/ALT DOC
     457.41                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
      482.5                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     852.19                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
        375                  2-4 FAMILY                            CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     386.21                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
      85.42                  CONDO                                 CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     366.67                  SINGLE FAMILY                         CASHOUT REFI                           15 YR FIXED IO                                   SIVA
        660                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     483.44                  2-4 FAMILY                            PURCHASE                               30 YR FIXED IO                                   FULL/ALT DOC
     131.98                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     297.92                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
     333.33                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     470.44                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     470.21                  PUD                                   PURCHASE                               15 YR FIXED IO                                   SIVA
     401.25                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     544.66                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     219.39                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
      347.6                  CONDO                                 PURCHASE                               30 YR FIXED IO                                   SIVA
     790.63                  2-4 FAMILY                            RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
      797.5                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     332.92                  PUD                                   CASHOUT REFI                           30 YR FIXED IO                                   SIVA
    1616.77                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     216.67                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
        182                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
      388.5                  PUD                                   PURCHASE                               30 YR FIXED IO                                   NO RATIO
     251.17                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     183.33                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
     166.83                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
     205.33                  PUD                                   CASHOUT REFI                           30 YR FIXED IO                                   SIVA
        517                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
      433.5                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     141.51                  CONDO                                 PURCHASE                               30 YR FIXED IO                                   SIVA
     403.13                  2-4 FAMILY                            PURCHASE                               30 YR FIXED IO                                   SIVA
        775                  2-4 FAMILY                            PURCHASE                               30 YR FIXED IO                                   SIVA
      356.5                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     243.67                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     331.82                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     147.19                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     164.53                  2-4 FAMILY                            CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
      537.5                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
      307.5                  SINGLE FAMILY                         PURCHASE                               15 YR FIXED IO                                   SIVA
     399.79                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   NO RATIO
     274.69                  PUD                                   CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     499.74                  CONDO                                 PURCHASE                               30 YR FIXED IO                                   NO RATIO
     526.04                  CONDO                                 PURCHASE                               30 YR FIXED IO                                   NO RATIO
     541.88                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   NO RATIO
     356.25                  PUD                                   CASHOUT REFI                           30 YR FIXED IO                                   FULL/ALT DOC
     483.96                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
      187.5                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
     256.67                  2-4 FAMILY                            PURCHASE                               30 YR FIXED IO                                   FULL/ALT DOC
     326.98                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
      367.5                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
      382.5                  CONDO                                 CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     387.92                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     208.33                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     430.83                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     156.67                  2-4 FAMILY                            RATE/TERM REFI                         30 YR FIXED IO                                   NO RATIO
     500.25                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
        360                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     265.83                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     316.25                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     726.27                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     571.09                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
     229.58                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     339.17                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
      412.5                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     367.43                  2-4 FAMILY                            CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     367.43                  2-4 FAMILY                            CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     230.63                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     371.36                  PUD                                   RATE/TERM REFI                         FIXED BALLOON 30/15                              SIVA
     111.52                  CONDO                                 PURCHASE                               30 YR FIXED IO                                   FULL/ALT DOC
     292.19                  2-4 FAMILY                            PURCHASE                               30 YR FIXED IO                                   NO RATIO
     359.38                  2-4 FAMILY                            PURCHASE                               30 YR FIXED IO                                   FULL/ALT DOC
      607.5                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
        375                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     356.42                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     433.33                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     197.08                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
        300                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
     234.71                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
        435                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     450.57                  SINGLE FAMILY                         CASHOUT REFI                           15 YR FIXED                                      SIVA
     408.54                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     324.58                  2-4 FAMILY                            CASHOUT REFI                           30 YR FIXED IO                                   SIVA
        148                  2-4 FAMILY                            PURCHASE                               30 YR FIXED IO                                   SIVA
     231.75                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
      203.5                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     670.83                  2-4 FAMILY                            CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     311.01                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     771.88                  PUD                                   CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     394.17                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     386.42                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     680.42                  2-4 FAMILY                            PURCHASE                               30 YR FIXED IO                                   SIVA
     304.33                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     545.83                  PUD                                   CASHOUT REFI                           30 YR FIXED IO                                   SIVA
        253                  SINGLE FAMILY                         PURCHASE                               15 YR FIXED IO                                   SIVA
        369                  PUD                                   PURCHASE                               30 YR FIXED IO                                   FULL/ALT DOC
     420.02                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
      442.5                  2-4 FAMILY                            PURCHASE                               30 YR FIXED IO                                   SIVA
     166.81                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     238.88                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     220.42                  SINGLE FAMILY                         CASHOUT REFI                           15 YR FIXED IO                                   NO RATIO
     389.19                  CONDO                                 PURCHASE                               30 YR FIXED IO                                   SIVA
     381.88                  PUD                                   RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
       2322                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     245.36                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     536.25                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
        250                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     208.28                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     569.25                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
      172.5                  CONDO                                 RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
     450.94                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     327.38                  2-4 FAMILY                            PURCHASE                               30 YR FIXED IO                                   SIVA
     142.19                  PUD                                   PURCHASE                               30 YR FIXED IO                                   FULL/ALT DOC
     215.63                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     348.33                  PUD                                   RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
     376.25                  PUD                                   RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
     373.38                  PUD                                   PURCHASE                               30 YR FIXED IO                                   NO RATIO
      172.9                  CONDO                                 PURCHASE                               30 YR FIXED IO                                   SIVA
        240                  CONDO                                 CASHOUT REFI                           30 YR FIXED IO                                   SIVA
    1224.11                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     320.54                  PUD                                   RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
        665                  2-4 FAMILY                            CASHOUT REFI                           30 YR FIXED IO                                   SIVA
        160                  PUD                                   CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     783.75                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   NO RATIO
     249.38                  PUD                                   RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
     141.64                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
    2020.83                  PUD                                   CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     379.17                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     256.73                  2-4 FAMILY                            PURCHASE                               FIXED BALLOON 30/15                              SIVA
     256.73                  2-4 FAMILY                            PURCHASE                               FIXED BALLOON 30/15                              SIVA
     225.63                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     265.42                  2-4 FAMILY                            CASHOUT REFI                           30 YR FIXED IO                                   SIVA
        152                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     196.88                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     175.75                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     177.54                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              SIVA
     1237.5                  2-4 FAMILY                            CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     244.08                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     324.58                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     590.63                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
     140.45                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   FULL/ALT DOC
     397.19                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   FULL/ALT DOC
      317.7                  2-4 FAMILY                            PURCHASE                               FIXED BALLOON 30/15                              SIVA
     220.92                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     699.31                  2-4 FAMILY                            CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     431.67                  PUD                                   RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
        375                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
    1156.25                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   NO RATIO
     583.92                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     515.94                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
      412.5                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     685.42                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     444.06                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     134.15                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
      301.3                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     358.33                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     196.88                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     314.06                  PUD                                   CASHOUT REFI                           30 YR FIXED IO                                   SIVA
        250                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     350.21                  SINGLE FAMILY                         PURCHASE                               15 YR FIXED IO                                   SIVA
    1172.08                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
      202.5                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
        275                  SINGLE FAMILY                         CASHOUT REFI                           15 YR FIXED IO                                   SIVA
     257.13                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
        425                  CONDO                                 CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     188.16                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     245.09                  CONDO                                 PURCHASE                               30 YR FIXED IO                                   SIVA
     293.44                  CONDO                                 PURCHASE                               30 YR FIXED IO                                   SIVA
        495                  2-4 FAMILY                            CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     253.91                  PUD                                   CASHOUT REFI                           30 YR FIXED IO                                   FULL/ALT DOC
     406.88                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     330.76                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     256.25                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     259.48                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     468.75                  SINGLE FAMILY                         CASHOUT REFI                           15 YR FIXED IO                                   SIVA
     422.92                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
     326.29                  PUD                                   PURCHASE                               15 YR FIXED IO                                   SIVA
     354.25                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     264.06                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     198.55                  CONDO                                 PURCHASE                               30 YR FIXED IO                                   SIVA
     165.21                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
      289.5                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
      182.5                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
     539.55                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   FULL/ALT DOC
     710.69                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     280.33                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     450.18                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     332.24                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              SIVA
     399.21                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     468.75                  2-4 FAMILY                            PURCHASE                               30 YR FIXED IO                                   FULL/ALT DOC
     410.16                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     434.69                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     124.54                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   FULL/ALT DOC
     182.17                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     336.19                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     234.68                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     308.27                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     217.77                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              SIVA
     656.25                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     458.56                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              SIVA
     294.46                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     378.79                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     805.48                  2-4 FAMILY                            CASHOUT REFI                           10 YR FIXED                                      SIVA
     358.18                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     636.46                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     541.75                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     187.55                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     113.88                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              SIVA
     135.82                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     233.61                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              SIVA
     113.88                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              SIVA
     356.87                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     495.63                  PUD                                   CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     480.77                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     448.66                  PUD                                   CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     493.06                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
        525                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     312.94                  PUD                                   PURCHASE                               15 YR FIXED                                      SIVA
      192.5                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
        210                  CONDO                                 PURCHASE                               30 YR FIXED IO                                   SIVA
     656.04                  2-4 FAMILY                            CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     143.78                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   FULL/ALT DOC
     452.54                  2-4 FAMILY                            PURCHASE                               FIXED BALLOON 30/15                              SIVA
     157.76                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     341.92                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     347.42                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     567.79                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     230.88                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
        962                  2-4 FAMILY                            PURCHASE                               30 YR FIXED IO                                   SIVA
     127.46                  2-4 FAMILY                            PURCHASE                               30 YR FIXED IO                                   FULL/ALT DOC
     359.58                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
      162.5                  SINGLE FAMILY                         CASHOUT REFI                           15 YR FIXED IO                                   SIVA
     260.66                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     293.78                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
        270                  2-4 FAMILY                            CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     198.96                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
        270                  2-4 FAMILY                            RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
        125                  2-4 FAMILY                            CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     503.13                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     389.35                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     481.75                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              SIVA
     197.17                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     158.33                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   FULL/ALT DOC
     230.38                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   FULL/ALT DOC
     924.85                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     443.16                  CONDO                                 CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     815.25                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     284.17                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
     306.25                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED IO                                   FULL/ALT DOC
     306.25                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED IO                                   FULL/ALT DOC
     214.38                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED IO                                   FULL/ALT DOC
      89.58                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   FULL/ALT DOC
      89.58                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   FULL/ALT DOC
      89.58                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   FULL/ALT DOC
    1172.66                  SINGLE FAMILY                         RATE/TERM REFI                         15 YR FIXED IO                                   SIVA
     351.56                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
     489.56                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     379.69                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     372.97                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              SIVA
        210                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     160.31                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
      91.25                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     206.25                  2-4 FAMILY                            PURCHASE                               30 YR FIXED IO                                   SIVA
     222.96                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
      504.7                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     341.77                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
        560                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
      137.5                  PUD                                   PURCHASE                               30 YR FIXED IO                                   FULL/ALT DOC
     215.25                  PUD                                   RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
        500                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     563.75                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
     301.41                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     207.17                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     146.88                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     100.94                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     100.94                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
        378                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     412.21                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     329.17                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     146.25                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     560.63                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     108.93                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
       91.4                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
      85.42                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
        325                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     289.06                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
     417.97                  2-4 FAMILY                            PURCHASE                               15 YR FIXED IO                                   SIVA
     417.97                  2-4 FAMILY                            PURCHASE                               15 YR FIXED IO                                   SIVA
     949.99                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     267.66                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
        486                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
      245.2                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     223.73                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     516.67                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
      96.56                  2-4 FAMILY                            PURCHASE                               15 YR FIXED IO                                   SIVA
     366.34                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     522.75                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     629.69                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     312.71                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
       1800                  2-4 FAMILY                            CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     252.52                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     583.12                  SINGLE FAMILY                         RATE/TERM REFI                         15 YR FIXED                                      SIVA
     298.78                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              SIVA
     602.19                  SINGLE FAMILY                         CASHOUT REFI                           15 YR FIXED IO                                   SIVA
     316.79                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     317.17                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
     307.08                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     540.31                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     255.15                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     311.75                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
        445                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     557.81                  2-4 FAMILY                            PURCHASE                               30 YR FIXED IO                                   SIVA
     285.29                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
        830                  2-4 FAMILY                            PURCHASE                               FIXED BALLOON 30/15                              SIVA
     782.86                  2-4 FAMILY                            PURCHASE                               FIXED BALLOON 30/15                              SIVA
      362.5                  2-4 FAMILY                            CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     614.17                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     311.77                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   SIVA
     193.22                  2-4 FAMILY                            PURCHASE                               30 YR FIXED IO                                   SIVA
     548.84                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     477.48                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   FULL/ALT DOC
     555.42                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     724.17                  PUD                                   PURCHASE                               30 YR FIXED IO                                   SIVA
     253.73                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     660.17                  2-4 FAMILY                            CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     262.45                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     257.81                  2-4 FAMILY                            RATE/TERM REFI                         30 YR FIXED IO                                   FULL/ALT DOC
     264.97                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              FULL/ALT DOC
     263.47                  CONDO                                 CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     403.25                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     262.24                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     308.44                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   FULL/ALT DOC
     453.18                  SINGLE FAMILY                         PURCHASE                               15 YR FIXED IO                                   SIVA
     244.69                  PUD                                   RATE/TERM REFI                         FIXED BALLOON 30/15                              SIVA
     436.61                  CONDO                                 CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     323.58                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     430.47                  CONDO                                 CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     200.73                  CONDO                                 CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     353.11                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     262.45                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
      137.5                  CONDO                                 CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     938.18                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     524.32                  2-4 FAMILY                            CASHOUT REFI                           15 YR FIXED                                      SIVA
     420.87                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              SIVA
     369.08                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
      334.9                  CONDO                                 PURCHASE                               30 YR FIXED IO                                   SIVA
     484.17                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
     527.08                  CONDO                                 PURCHASE                               30 YR FIXED IO                                   SIVA
     438.95                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     104.97                  2-4 FAMILY                            PURCHASE                               FIXED BALLOON 30/15                              SIVA
     325.83                  PUD                                   RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
     189.58                  CONDO                                 PURCHASE                               30 YR FIXED IO                                   FULL/ALT DOC
        550                  2-4 FAMILY                            CASHOUT REFI                           30 YR FIXED IO                                   SIVA
        375                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     338.45                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     349.38                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     418.54                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED IO                                   SIVA
     656.25                  SINGLE FAMILY                         RATE/TERM REFI                         30 YR FIXED IO                                   SIVA
     194.25                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     591.67                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED IO                                   FULL/ALT DOC
     595.55                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
        252                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     714.23                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     842.34                  PUD                                   RATE/TERM REFI                         FIXED BALLOON 30/15                              SIVA
     363.85                  PUD                                   RATE/TERM REFI                         FIXED BALLOON 30/15                              FULL/ALT DOC
     757.08                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     303.34                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     385.09                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     284.84                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     693.28                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     444.37                  PUD                                   RATE/TERM REFI                         FIXED BALLOON 30/15                              FULL/ALT DOC
     924.94                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
    1179.81                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     452.22                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     415.14                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     676.47                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     853.34                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     366.17                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     219.39                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     413.74                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              FULL/ALT DOC
     249.52                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     395.25                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
    1918.19                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              SIVA
     169.87                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     688.02                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     715.05                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     674.99                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
      376.9                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     382.52                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     970.49                  CONDO                                 CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
      620.3                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
      474.1                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     511.36                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     413.31                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SISA
     479.94                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     196.68                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     360.84                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     272.36                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              FULL/ALT DOC
    1266.39                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     492.86                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SISA
    2183.61                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SISA
     433.59                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
      642.7                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
    1017.38                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     613.55                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
      390.7                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SISA
     531.36                  PUD                                   CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     317.41                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     544.91                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     594.35                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
    1359.77                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     412.99                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
    1733.87                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SISA
    1090.16                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     239.94                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     729.72                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
    1235.76                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     805.01                  PUD                                   RATE/TERM REFI                         FIXED BALLOON 30/15                              SIVA
     190.02                  2-4 FAMILY                            CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     994.11                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     271.67                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     346.24                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SISA
     866.15                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              FULL/ALT DOC
     385.73                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     442.42                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SISA
     269.96                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SISA
      724.2                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     904.07                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
      715.3                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     423.82                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     796.48                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      SISA
     827.94                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SISA
    1827.01                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     656.48                  CONDO                                 PURCHASE                               30 YR FIXED                                      SIVA
     730.83                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
    3189.81                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
     354.72                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NIVA
     565.61                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SISA
     354.27                  PUD                                   PURCHASE                               30 YR FIXED                                      SISA
     983.54                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     993.82                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              SIVA
    1268.97                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              SIVA
      629.6                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NIVA
     280.16                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
    1056.59                  SINGLE FAMILY                         CASHOUT REFI                           30 YR FIXED                                      NIVA
     690.97                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      SIVA
     284.63                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
      585.5                  PUD                                   PURCHASE                               30 YR FIXED                                      NO DOC
     716.02                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NIVA
     106.84                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SISA
     412.77                  2-4 FAMILY                            PURCHASE                               30 YR FIXED                                      SIVA
     442.56                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NIVA
     488.66                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     887.11                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     412.17                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NIVA
     809.23                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     505.03                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     157.91                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NIVA
     369.94                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
    1336.08                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
     456.88                  PUD                                   PURCHASE                               30 YR FIXED                                      SIVA
     302.35                  PUD                                   CASHOUT REFI                           30 YR FIXED                                      FULL/ALT DOC
     456.22                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     440.97                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NIVA
     322.23                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              SISA
     601.87                  PUD                                   CASHOUT REFI                           30 YR FIXED                                      SIVA
    1204.14                  PUD                                   PURCHASE                               30 YR FIXED                                      NIVA
     264.71                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
    2053.16                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              SIVA
    3471.43                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NIVA
     378.08                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     391.51                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC
     880.76                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              NIVA
    2744.22                  SINGLE FAMILY                         CASHOUT REFI                           FIXED BALLOON 30/15                              SIVA
     426.14                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NIVA
     776.61                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NIVA
     301.34                  CONDO                                 PURCHASE                               FIXED BALLOON 30/15                              NIVA
     276.71                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      NIVA
      367.8                  2-4 FAMILY                            PURCHASE                               FIXED BALLOON 30/15                              SIVA
    1299.61                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      SIVA
     167.62                  SINGLE FAMILY                         PURCHASE                               30 YR FIXED                                      FULL/ALT DOC
    1053.49                  PUD                                   PURCHASE                               FIXED BALLOON 30/15                              NIVA
    1476.26                  SINGLE FAMILY                         RATE/TERM REFI                         FIXED BALLOON 30/15                              SIVA
     362.07                  SINGLE FAMILY                         PURCHASE                               FIXED BALLOON 30/15                              FULL/ALT DOC

       

      

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

      

       

      SCHEDULE II-A

       

      GSAA
        Home
        Equity Trust 2007-S1,

      Mortgage
        Pass-Through Certificates

       

      REPRESENTATIONS
        AND WARRANTIES OF OCWEN LOAN SERVICING, LLC, AS A SERVICER

       

      Ocwen
        Loan Servicing, LLC (“Ocwen”) hereby makes the representations and warranties
        set forth in this Schedule II-A to the Depositor, the Custodian, the
        Certificate Insurer and the Trustee, as of the Closing Date, or if so specified
        herein, as of the Cut-off Date:

       

      (1) Ocwen
        is
        duly organized as a limited liability company and is validly existing and
        in
        good standing under the laws of the State of Delaware, and is licensed and
        qualified to transact any and all business contemplated by this Agreement
        to be
        conducted by Ocwen in any state in which a related Mortgaged Property is
        located
        or is otherwise not required under applicable law to effect such qualification
        and, in any event, is in compliance with the doing business laws of any such
        State, to the extent necessary to ensure its ability to enforce each related
        Mortgage Loan and to service each related Mortgage Loan in accordance with
        the
        terms of this Agreement;

       

      (2) Ocwen
        has
        the full power and authority to service each related Mortgage Loan, and to
        execute, deliver and perform, and to enter into and consummate the transactions
        contemplated by this Agreement and has duly authorized by all necessary action
        on the part of Ocwen the execution, delivery and performance of this Agreement;
        and this Agreement, assuming the due authorization, execution and delivery
        thereof by the Depositor, Avelo, the Master Servicer, the Custodian, SLS
        and the
        Trustee, constitutes a legal, valid and binding obligation of Ocwen, enforceable
        against Ocwen in accordance with its terms, except to the extent that
        (a) the enforceability thereof may be limited by bankruptcy, insolvency,
        moratorium, receivership and other similar laws relating to creditors’ rights
        generally and (b) the remedy of specific performance and injunctive and
        other forms of equitable relief may be subject to the equitable defenses
        and to
        the discretion of the court before which any proceeding therefor may be
        brought;

       

      (3) The
        execution and delivery of this Agreement by Ocwen, the servicing of the related
        Mortgage Loans by Ocwen hereunder, the consummation by Ocwen of any other
        of the
        transactions herein contemplated, and the fulfillment of or compliance with
        the
        terms hereof are in the ordinary course of business of Ocwen and will not
        (A) result in a breach of any term or provision of the organizational
        documents of Ocwen or (B) conflict with, result in a breach, violation or
        acceleration of, or result in a default under, the terms of any other material
        agreement or instrument to which Ocwen is a party or by which it may be bound,
        or any statute, order or regulation applicable to Ocwen of any court, regulatory
        body, administrative agency or governmental body having jurisdiction over
        Ocwen;
        and Ocwen is not a party to, bound by, or in breach or violation of any
        indenture or other agreement or instrument, or subject to or in violation
        of any
        statute, order or regulation of any court, regulatory body, administrative
        agency or governmental body having jurisdiction over it, which materially
        and
        adversely affects or, to Ocwen’s knowledge, would in the future materially and
        adversely affect, (x) the ability of Ocwen to perform its obligations under
        this Agreement or (y) the business, operations, financial condition,
        properties or assets of Ocwen taken as a whole;

       

      (4) Ocwen
        is
        an approved seller/servicer for Fannie Mae and an approved servicer for Freddie
        Mac in good standing;

       

      (5) No
        litigation is pending against Ocwen that would materially and adversely affect
        the execution, delivery or enforceability of this Agreement or the ability
        of
        Ocwen to service the related Mortgage Loans or to perform any of its other
        obligations hereunder in accordance with the terms hereof;

       

      (6) No
        consent, approval, authorization or order of any court or governmental agency
        or
        body is required for the execution, delivery and performance by Ocwen of,
        or
        compliance by Ocwen with, this Agreement or the consummation by Ocwen of
        the
        transactions contemplated by this Agreement, except for such consents,
        approvals, authorizations or orders, if any, that have been obtained prior
        to
        the Closing Date; 

       

      (7) Ocwen
        covenants that its computer and other systems used in servicing the related
        Mortgage Loans operate in a manner such that Ocwen can service the related
        Mortgage Loans in accordance with the terms of this Agreement; and

       

      (8) With
        respect to each related Mortgage Loan, to the extent Ocwen serviced such
        Mortgage Loan and to the extent Ocwen provided monthly reports to the three
        credit repositories, Ocwen has fully furnished, in accordance with the Fair
        Credit Reporting Act and its implementing regulations, accurate and complete
        information (i.e., favorable and unfavorable) on its borrower credit files
        to
        Equifax, Experian, and Trans Union Credit Information Company (three of the
        credit repositories), on a monthly basis.

       

      

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

       

      SCHEDULE II-B

       

      GSAA
        Home
        Equity Trust 2007-S1,

      Mortgage
        Pass-Through Certificates

       

      REPRESENTATIONS
        AND WARRANTIES OF AVELO MORTGAGE L.L.C., AS A SERVICER

       

      Avelo
        Mortgage, L.L.C. ("Avelo") hereby makes the representations and warranties
        set
        forth in this Schedule II-B to the Depositor, Ocwen, the Master Servicer,
        the
        Custodian, the Certificate Insurer and the Trustee, as of the Closing
        Date.

       

      (1) Due
        Organization and Authority. Avelo is a Delaware limited liability company
        duly
        organized, validly existing and in good standing under the laws of Delaware
        and
        has all licenses necessary to carry on its business as now being conducted
        and
        is licensed, qualified and in good standing in each state where a related
        Mortgaged Property is located if the laws of such state require licensing
        or
        qualification in order to conduct business of the type conducted by Avelo,
        and
        in any event Avelo is in compliance in all material respects with the laws
        of
        any such state to the extent necessary to ensure the enforceability of the
        related Mortgage Loan in accordance with the terms of this Agreement; Avelo
        has
        the full power and authority to execute and deliver this Agreement and to
        perform in accordance herewith; the execution, delivery and performance of
        this
        Agreement (including all instruments of transfer to be delivered pursuant
        to
        this Agreement) by Avelo and the consummation of the transactions contemplated
        hereby have been duly and validly authorized; this Agreement evidences the
        valid, binding and enforceable obligation of Avelo, except as such
        enforceability may be limited by bankruptcy, insolvency, moratorium,
        reorganization and similar laws, and by equitable principles affecting the
        enforceability of the rights of creditors; and all requisite action has been
        taken by Avelo to make this Agreement valid and binding upon Avelo in accordance
        with its terms;

       

      (2) Ordinary
        Course of Business. The consummation of the transactions contemplated by
        this
        Agreement are in the ordinary course of business of Avelo.

       

      (3) No
        Conflicts. Neither the execution and delivery of this Agreement, nor the
        fulfillment of or compliance with the terms and conditions of this Agreement,
        will conflict with or result in a breach of any of the terms, conditions
        or
        provisions of Avelo's certificate of formation or limited liability company
        agreement or any legal restriction or any agreement or instrument to which
        Avelo
        is now a party or by which it is bound, or constitute a default or result
        in an
        acceleration under any of the foregoing, or result in the violation of any
        law,
        rule, regulation, order, judgment or decree to which Avelo or its property
        is
        subject, or impair the ability of the Sponsor to realize on the related Mortgage
        Loans, or impair the value of the related Mortgage Loans.

       

      (4) Ability
        to Service. Avelo has the facilities, procedures, and experienced personnel
        necessary for the sound servicing of mortgage loans of the same type as the
        related Mortgage Loans. Avelo is in good standing to enforce and service
        mortgage loans in the jurisdiction wherein the related Mortgaged Properties
        are
        located.

       

      (5) Ability
        to Perform. Avelo does not believe, nor does it have any reason or cause
        to
        believe, that it cannot perform each and every covenant contained in this
        Agreement.

       

      (6) No
        Litigation Pending. There is no action, suit, proceeding or investigation
        pending or to the best of Avelo’s knowledge threatened against Avelo, before any
        court, administrative agency or other tribunal asserting the invalidity of
        this
        Agreement, seeking to prevent the consummation of any of the transactions
        contemplated by this Agreement or which, either in any one instance or in
        the
        aggregate, may result in any material adverse change in the business,
        operations, financial condition, properties or assets of Avelo, or in any
        material impairment of the right or ability of Avelo to carry on its business
        substantially as now conducted, or in any material liability on the part
        of
        Avelo, or which would draw into question the validity of this Agreement or
        the
        related Mortgage Loans or of any action taken or to be taken in connection
        with
        the obligations of Avelo contemplated herein, or which would be likely to
        impair
        materially the ability of Avelo to perform under the terms of this
        Agreement.

       

      (7) No
        Consent Required. No consent, approval, authorization or order of any court
        or
        governmental agency or body is required for the execution, delivery and
        performance by Avelo of or compliance by Avelo with this Agreement, or the
        servicing of the related Mortgage Loans as evidenced by the consummation
        of the
        transactions contemplated by this Agreement, or if required, such approval
        has
        been obtained prior to the date hereof.

       

      (8) No
        Untrue
        Information. No statement, report or other document relating to Avelo furnished
        or to be furnished by Avelo pursuant to this Agreement or in connection with
        the
        transactions contemplated hereby contains any untrue statement of material
        fact
        or omits to state a material fact necessary to make the statements contained
        therein not misleading.

       

      

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

       

      SCHEDULE II-C

       

      GSAA
        Home
        Equity Trust 2007-S1,

      Mortgage
        Pass-Through Certificates

       

      REPRESENTATIONS
        AND WARRANTIES OF SPECIALIZED LOAN SERVICING LLC, AS A SERVICER

       

      Specialized
        Loan Servicing LLC (“SLS”) hereby makes the representations and warranties set
        forth in this Schedule II-C to the Depositor, the Custodian, the
        Certificate Insurer and the Trustee, as of the Closing Date, or if so specified
        herein, as of the Cut-off Date:

       

      (1) SLS
        is
        duly organized and is validly existing as a limited liability company in
        good
        standing under the laws of the State of Delaware and is duly authorized and
        qualified to transact any and all business contemplated by this Agreement
        to be
        conducted by the SLS in any state in which a Mortgaged Property is located
        or is
        otherwise not required under applicable law to effect such qualification
        and, in
        any event, is in compliance with the doing business laws of any such state,
        to
        the extent necessary to ensure its ability to enforce each Mortgage Loan,
        to
        service the Mortgage Loans in accordance with the terms of this Agreement
        and to
        perform any of its other obligations under this Agreement in accordance with
        the
        terms hereof.

       

      (2) SLS
        has
        the corporate power and authority and to service each Mortgage Loan, and
        to
        execute, deliver and perform, and to enter into and consummate the transactions
        contemplated by this Agreement and has duly authorized by all necessary
        corporate action on the part of SLS the execution, delivery and performance
        of
        this Agreement; and this Agreement, assuming the due authorization, execution
        and delivery hereof by the other parties hereto, constitutes a legal, valid
        and
        binding obligation of SLS, enforceable against SLS in accordance with its
        terms,
        except that (a) the enforceability hereof may be limited by bankruptcy,
        insolvency, moratorium, receivership and other similar laws relating to
        creditors’ rights generally and (b) the remedy of specific performance and
        injunctive and other forms of equitable relief may be subject to equitable
        defenses and to the discretion of the court before which any proceeding therefor
        may be brought.

       

      (3) The
        execution and delivery of this Agreement by SLS, the servicing of the Mortgage
        Loans under this Agreement, the consummation of any other of the transactions
        contemplated by this Agreement, and the fulfillment of or compliance with
        the
        terms hereof are in the ordinary course of business of SLS and will not (A)
        result in a material breach of any term or provision of the charter or by-laws
        of SLS or (B) materially conflict with, result in a material breach, violation
        or acceleration of, or result in a material default under, the terms of any
        other material agreement or instrument to which SLS is a party or by which
        it
        may be bound, or (C) constitute a material violation of any statute, order
        or
        regulation applicable to SLS of any court, regulatory body, administrative
        agency or governmental body having jurisdiction over SLS; and SLS is not
        in
        breach or violation of any material indenture or other material agreement
        or
        instrument, or in violation of any statute, order or regulation of any court,
        regulatory body, administrative agency or governmental body having jurisdiction
        over it which breach or violation may materially impair SLS’s ability to perform
        or meet any of its obligations under this Agreement.

       

      (4) SLS
        is an
        approved servicer of mortgage loans for HUD.

       

      (5) No
        litigation is pending or, to the best of SLS’s knowledge, threatened, against
        SLS that would materially and adversely affect the execution, delivery or
        enforceability of this Agreement or the ability of SLS to service the Mortgage
        Loans or to perform any of its other obligations under this Agreement in
        accordance with the terms hereof.

       

      (6) No
        consent, approval, authorization or order of any court or governmental agency
        or
        body is required for the execution, delivery and performance by SLS of, or
        compliance by SLS with, this Agreement or the consummation of the transactions
        contemplated hereby, or if any such consent, approval, authorization or order
        is
        required, SLS has obtained the same.

       

      (7) SLS
        will
        fully furnish (for the period it services the Mortgage Loans), in accordance
        with the Fair Credit Reporting Act and its implementing regulations, accurate
        and complete information (e.g., favorable and unfavorable) on its borrower
        credit files to four credit reporting services, including, but not limited
        to,
        Equifax, Experian, and Trans Union Credit Information Company on a monthly
        basis.

       

      

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

       

      SCHEDULE
        II-D

       

      GSAA
        Home
        Equity Trust 2007-S1,

      Mortgage
        Pass-Through Certificates

       

      Representations
        and Warranties of U.S. Bank National Association, as Custodian

       

      U.S.
        Bank
        National Association (“U.S. Bank”) hereby makes the representations and
        warranties set forth in this Schedule II-D to the Depositor, the Servicers,
        the
        Master Servicer, the Certificate Insurer and the Trustee, as of the Closing
        Date, or if so specified herein, as of the Cut-off Date:

       

      (1) U.S.
        Bank
        is a national banking association duly organized, validly existing and in
        good
        standing under the federal laws of the United States of America and is duly
        authorized and qualified to transact any and all business contemplated by
        this
        Agreement to be conducted by U.S. Bank;

       

      (2) U.S.
        Bank
        has the full power and authority to execute, deliver and perform, and to
        enter
        into and consummate the transactions contemplated by this Agreement and has
        duly
        authorized by all necessary action on the part of U.S. Bank the execution,
        delivery and performance of this Agreement; and this Agreement, assuming
        the due
        authorization, execution and delivery thereof by the Depositor, the Servicers,
        the Master Servicer, the Servicer and the Trustee, constitutes a legal, valid
        and binding obligation of U.S. Bank, enforceable against U.S. Bank in accordance
        with its terms, except to the extent that (a) the enforceability thereof
        may be
        limited by bankruptcy, insolvency, moratorium, receivership and other similar
        laws relating to creditors’ rights generally and (b) the remedy of specific
        performance and injunctive and other forms of equitable relief may be subject
        to
        the equitable defenses and to the discretion of the court before which any
        proceeding therefor may be brought;

       

      (3) The
        execution and delivery of this Agreement by U.S. Bank, the consummation by
        U.S.
        Bank of any other of the transactions herein contemplated, and the fulfillment
        of or compliance with the terms hereof are in the ordinary course of business
        of
        U.S. Bank and will not (A) result in a breach of any term or provision of
        the
        organizational documents of U.S. Bank or (B) conflict with, result in a breach,
        violation or acceleration of, or result in a default under, the terms of
        any
        other material agreement or instrument to which U.S. Bank is a party or by
        which
        it may be bound, or any statute, order or regulation applicable to U.S. Bank
        of
        any court, regulatory body, administrative agency or governmental body having
        jurisdiction over U.S. Bank; and U.S. Bank is not a party to, bound by, or
        in
        breach or violation of any indenture or other agreement or instrument, or
        subject to or in violation of any statute, order or regulation of any court,
        regulatory body, administrative agency or governmental body having jurisdiction
        over it, which materially and adversely affects or, to U.S. Bank’s knowledge,
        would in the future materially and adversely affect, (x) the ability of U.S.
        Bank to perform its obligations under this Agreement or (y) the business,
        operations, financial condition, properties or assets of U.S. Bank taken
        as a
        whole;

       

      (4) No
        litigation is pending against U.S. Bank that would materially and adversely
        affect the execution, delivery or enforceability of this Agreement or the
        ability of U.S. Bank to perform any of its obligations hereunder in accordance
        with the terms hereof; and

       

      (5) No
        consent, approval, authorization or order of any court or governmental agency
        or
        body is required for the execution, delivery and performance by U.S. Bank
        of, or
        compliance by U.S. Bank with, this Agreement or the consummation by U.S.
        Bank of
        the transactions contemplated by this Agreement, except for such consents,
        approvals, authorizations or orders, if any, that have been obtained prior
        to
        the Closing Date.

       

      

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

       

      SCHEDULE
        III

       

      CLASS
        A-IO NOTIONAL AMOUNTS

       

      
        	
                Distribution
                  Date

              	
                Class
                  A-IO Notional

                Amount
                  ($)

              
	
                March
                  2007

              	
                114,658,000
                     

              
	
                April
                  2007

              	
                114,658,000
                    

              
	
                May
                  2007

              	
                114,658,000  
                  

              
	
                June
                  2007

              	
                94,424,000

              
	
                July
                  2007

              	
                94,424,000

              
	
                August
                  2007

              	
                94,424,000

              
	
                September
                  2007

              	
                44,964,000

              
	
                October
                  2007

              	
                44,964,000

              
	
                November
                  2007

              	
                44,964,000

              
	
                December
                  2007

              	
                17,985,000

              
	
                January
                  2008

              	
                17,985,000

              
	
                February
                  2008

              	
                17,985,000

              
	
                March
                  2008

              	
                13,489,000

              
	
                April
                  2008

              	
                13,489,000

              
	
                May
                  2008

              	
                13,489,000

              
	
                June
                  2008

              	
                10,791,000

              
	
                July
                  2008

              	
                10,791,000

              
	
                August
                  2008

              	
                10,791,000

              
	
                September
                  2008

              	
                0

              

      

      

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

    

    
 

    EXHIBIT
      A-1

     

    FORM
      OF
      CLASS A-[_] CERTIFICATES

     

    UNLESS
      THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY
      TRUST COMPANY, A NEW YORK CORPORATION (“DTC”),
      TO
      ISSUER OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND
      ANY
      CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER
      NAME AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT
      IS
      MADE TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED
      REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE
      OR
      OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER
      HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.

     

    SOLELY
      FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE REPRESENTS AN INTEREST
      IN
      A “REGULAR INTEREST” IN A “REAL ESTATE MORTGAGE INVESTMENT CONDUIT,” AS THOSE
      TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL
      REVENUE CODE OF 1986, AS AMENDED (THE “CODE”), AND CERTAIN OTHER
      ASSETS.

     

    AS
      LONG
      AS THE SUPPLEMENTAL INTEREST TRUST IS IN EFFECT, THE HOLDER OF THIS CERTIFICATE
      OR ANY INTEREST THEREIN SHALL BE DEEMED TO HAVE MADE THE REPRESENTATION SET
      FORTH IN SECTION 5.02(b) OF THE AGREEMENT REFERRED TO HEREIN.

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

    

     

    
      	
              Certificate
                No.

            	
              :

            	 
	
              Cut-off
                Date

            	
              :

            	
              February
                1, 2007

            
	
              First
                Distribution Date

            	
              :

            	
              March
                26, 2007

            
	
              Initial
                Certificate Balance of this Certificate (“Denomination”)

            	
              :

            	 
	
              Initial
                Certificate Balances of all Certificates of this Class

            	
              :

            	
              Class

            	
              Class
                Certificate Balance

            
	 	 	
              Class
                A-1

            	
              $[_________.__]

            
	 	 	
              Class
                A-IO

            	
              $[_________.__]

            

    

    

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

    

    
      	
               

              CUSIP

            	
              :

            	
              Class

            	
              CUSIP
                No.

            
	 	 	
              Class
                A-1

            	
              [_______]

            
	 	 	
              Class
                A-IO

            	
              [_______]

            
	
              ISIN

            	
              :

            	
              Class

            	
              ISIN

            
	 	 	
              Class
                A-1

            	
              [____________]

            
	 	 	
              Class
                A-IO

            	
              [____________]

            

    

    

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

    

    GS
      MORTGAGE SECURITIES CORP.

     

    GSAA
      HOME
      EQUITY TRUST 2007-S1

    MORTGAGE
      PASS-THROUGH CERTIFICATES, SERIES 2007-S1

    [CLASS
      A-[_]]

     

     

    evidencing
      a percentage interest in the distributions allocable to the Certificates of
      the
      above-referenced Class.

     

    [To
      be
      added to the Class A-1 Certificates: Principal in respect of this Certificate
      is
      distributable monthly as set forth herein. Accordingly, the Certificate Balance
      at any time may be less than the Certificate Balance as set forth herein.]
      This
      Certificate does not evidence an obligation of, or an interest in, and is not
      guaranteed by the Depositor, the Trustee or any other party to the Agreement
      referred to below or any of their respective affiliates. Neither this
      Certificate nor the Mortgage Loans are guaranteed or insured by any governmental
      agency or instrumentality.

     

    This
      certifies that CEDE & CO. is the registered owner of the Percentage Interest
      evidenced by this Certificate (obtained by dividing the denomination of this
      Certificate by the aggregate of the denominations of all Certificates of the
      Class to which this Certificate belongs) in certain monthly distributions
      pursuant to a Pooling and Servicing Agreement, dated as of February 1, 2007
      (the
“Agreement”),
      among
      GS Mortgage Securities Corp., as depositor (the “Depositor”),
      Ocwen
      Loan Servicing, LLC, as a servicer (“Ocwen”),
      Avelo
      Mortgage, L.L.C., as a servicer (“Avelo”),
      Specialized Loan Servicing LLC, as a servicer (“SLS”
and
      collectively with Ocwen and Avelo, the “Servicers”),
      Wells
      Fargo Bank, National Association, as master servicer (the “Master
      Servicer”),
      U.S.
      Bank National Association, as a custodian and Deutsche Bank National Trust
      Company, as trustee (the “Trustee”).
      To
      the extent not defined herein, the capitalized terms used herein have the
      meanings assigned in the Agreement. This Certificate is issued under and is
      subject to the terms, provisions and conditions of the Agreement, to which
      Agreement the Holder of this Certificate by virtue of the acceptance hereof
      assents and by which such Holder is bound.

     

    So
      long
      as the Supplemental Interest Trust is in effect, the holder of this Certificate
      or any interest therein shall be deemed to have made the representation set
      forth in Section 5.02(b) of the Agreement.

     

    Reference
      is hereby made to the further provisions of this Certificate set forth on the
      reverse hereof, which further provisions shall for all purposes have the same
      effect as if set forth at this place.

     

    This
      Certificate shall not be entitled to any benefit under the Agreement or be
      valid
      for any purpose unless manually authenticated by an authorized signatory of
      the
      Trustee.

     

     

    *
      *
      *

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

     

    IN
      WITNESS WHEREOF, the Trustee has caused this Certificate to be duly
      executed.

     

    
      	 	DEUTSCHE
              BANK NATIONAL TRUST COMPANY,
              not
                in its individual capacity, but solely as

               

              Trustee

               

               

              By:
                ______________________________

            
	
              Authenticated:

               

              By:
                ______________________________ 

              Authorized
                Signatory of

               

              DEUTSCHE
                BANK NATIONAL TRUST

              COMPANY,
                not in its individual capacity,

              but
                solely as Trustee

            	 

    

    
    

    
    

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

    GS
      MORTGAGE SECURITIES CORP.

     

    GSAA
      HOME
      EQUITY TRUST 2007-S1

    MORTGAGE
      PASS-THROUGH CERTIFICATES

     

    This
      Certificate is one of a duly authorized issue of Certificates designated as
      GSAA
      Home Equity Trust 2007-S1 Mortgage Pass-Through Certificates, of the Series
      specified on the face hereof (herein collectively called the “Certificates”),
      and
      representing a beneficial ownership interest in the Trust Fund created by the
      Agreement.

     

    The
      Certificateholder, by its acceptance of this Certificate, agrees that it will
      look solely to the funds on deposit in the Distribution Account for payment
      hereunder and that the Trustee is not liable to the Certificateholders for
      any
      amount payable under this Certificate or the Agreement or, except as expressly
      provided in the Agreement, subject to any liability under the
      Agreement.

     

    This
      Certificate does not purport to summarize the Agreement and reference is made
      to
      the Agreement for the interests, rights and limitations of rights, benefits,
      obligations and duties evidenced thereby, and the rights, duties and immunities
      of the Trustee.

     

    Pursuant
      to the terms of the Agreement, a distribution will be made on the 25th
      day of
      each month or, if such day is not a Business Day, the Business Day immediately
      following (the “Distribution
      Date”),
      commencing on the first Distribution Date specified on the face hereof, to
      the
      Person in whose name this Certificate is registered at the close of business
      on
      the applicable Record Date in an amount equal to the product of the Percentage
      Interest evidenced by this Certificate and the amount required to be distributed
      to Holders of Certificates of the Class to which this Certificate belongs on
      such Distribution Date pursuant to the Agreement. The Record Date for each
      Distribution Date is the last Business Day of the applicable Interest Accrual
      Period for the related Distribution Date; provided,
      however,
      that for
      any Definitive Certificates, the Record Date shall be the last Business Day
      of
      the month immediately preceding the month of such Distribution Date (or if
      such
      day is not a Business Day, on the immediately preceding Business
      Day).

     

    Distributions
      on this Certificate shall be made by wire transfer of immediately available
      funds to the account of the Holder hereof at a bank or other entity having
      appropriate facilities therefor, if such Certificateholder shall have so
      notified the Trustee in writing at least five Business Days prior to the related
      Record Date and such Certificateholder shall satisfy the conditions to receive
      such form of payment set forth in the Agreement, or, if not, by check mailed
      by
      first-class mail to the address of such Certificateholder appearing in the
      Certificate Register. The final distribution on each Certificate will be made
      in
      like manner, but only upon presentment and surrender of such Certificate at
      the
      offices designated by the Trustee for such purposes.

     

    The
      Agreement permits, with certain exceptions therein provided, the amendment
      thereof and the modification of the rights and obligations of the Trustee and
      the rights of the Certificateholders under the Agreement at any time by the
      Depositor, the Master Servicer, the Servicers, the Trustee and the Certificate
      Insurer with the consent of the Holders of Certificates affected by such
      amendment evidencing the requisite Percentage Interest, as provided in the
      Agreement. Any such consent by the Holder of this Certificate shall be
      conclusive and binding on such Holder and upon all future Holders of this
      Certificate and of any Certificate issued upon the transfer hereof or in
      exchange therefor or in lieu hereof whether or not notation of such consent
      is
      made upon this Certificate. The Agreement also permits the amendment thereof
      by
      the Depositor, the Master Servicer, the Servicers, the Trustee and the
      Certificate Insurer, in certain limited circumstances, without the consent
      of
      the Holders of any of the Certificates.

     

    As
      provided in the Agreement and subject to certain limitations therein set forth,
      the transfer of this Certificate is registrable in the Certificate Register
      of
      the Trustee upon surrender of this Certificate for registration of transfer
      at
      the offices designated by the Trustee for such purposes, accompanied by a
      written instrument of transfer in form satisfactory to the Trustee and the
      Certificate Registrar duly executed by the holder hereof or such holder’s
      attorney duly authorized in writing, and thereupon one or more new Certificates
      of the same Class in authorized denominations and evidencing the same aggregate
      Percentage Interest in the Trust Fund will be issued to the designated
      transferee or transferees.

     

    The
      Certificates are issuable only as registered Certificates without coupons in
      denominations specified in the Agreement. As provided in the Agreement and
      subject to certain limitations therein set forth, Certificates are exchangeable
      for new Certificates of the same Class in authorized denominations and
      evidencing the same aggregate Percentage Interest, as requested by the Holder
      surrendering the same.

     

    No
      service charge will be made for any such registration of transfer or exchange,
      but the Trustee may require payment of a sum sufficient to cover any tax or
      other governmental charge payable in connection therewith.

     

    The
      Depositor and the Trustee and any agent of the Depositor or the Trustee may
      treat the Person in whose name this Certificate is registered as the owner
      hereof for all purposes, and neither the Depositor, the Trustee, nor any such
      agent shall be affected by any notice to the contrary.

     

    On
      any
      Distribution Date on which the aggregate Stated Principal Balance of the
      Mortgage Loans is less than or equal to 10% of the Cut-off Date Pool Principal
      Balance, the Majority Class X Certificateholders, may at their option (with
      the
      prior written consent of the Certificate Insurer, as required under certain
      circumstances described in the Agreement), direct the majority Servicer to
      repurchase, in whole, from the Trust Fund all remaining Mortgage Loans and
      all
      related property acquired in respect of the Mortgage Loans at a purchase price
      determined as provided in the Agreement. The obligations and responsibilities
      created by the Agreement will terminate as provided in Section 10.01 of the
      Agreement.

     

    Any
      term
      used herein that is defined in the Agreement shall have the meaning assigned
      in
      the Agreement, and nothing herein shall be deemed inconsistent with that
      meaning.

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

    ASSIGNMENT

     

    FOR
      VALUE
      RECEIVED, the undersigned hereby sell(s), assign(s) and transfer(s) unto

     

    __________________________________________________

     

    __________________________________________________

     

    __________________________________________________

     

     

    (Please
      print or typewrite name and address including postal zip code of
      assignee)

     

    the
      Percentage Interest evidenced by the within Certificate and hereby authorizes
      the transfer of registration of such Percentage Interest to assignee on the
      Certificate Register of the Trust Fund.

     

    I
      (We)
      further direct the Trustee to issue a new Certificate of a like denomination
      and
      Class, to the above named assignee and deliver such Certificate to the following
      address:

     

    __________________________________________________

     

    __________________________________________________

     

    __________________________________________________

     

     

    Signature
      by or on behalf of assignor

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

    DISTRIBUTION
      INSTRUCTIONS

     

    The
      assignee should include the following for purposes of distribution:

     

    Distributions
      shall be made, by wire transfer or otherwise, in immediately available funds
      to
      ______________________________________________________ for the account of
      _______________________________________ account number _____________, or, if
      mailed by check, to ______________________________________________.

     

    Applicable
      statements should be mailed to _______________________________.

     

    This
      information is provided by __________________________________,

     

    the
      assignee named above, or
      _____________________________________________________,

     

    as
      its
      agent.

     

    EXHIBIT
      B

     

    FORM
      OF
      CLASS P CERTIFICATE

     

    NEITHER
      THIS CERTIFICATE NOR ANY INTEREST HEREIN MAY BE TRANSFERRED UNLESS THE PROPOSED
      TRANSFEROR DELIVERS TO THE TRUSTEE A TRANSFEROR LETTER IN THE FORM OF EXHIBIT
      H
      TO THE AGREEMENT REFERRED TO HEREIN AND EITHER (i) THE TRUSTEE RECEIVES A RULE
      144A LETTER IN THE FORM OF EXHIBIT I-1 OR A NON-RULE 144A INVESTMENT LETTER
      IN
      THE FORM OF EXHIBIT I-2 TO THE AGREEMENT REFERRED TO HEREIN OR (ii) THE TRUSTEE
      RECEIVES AN OPINION OF COUNSEL, DELIVERED AT THE EXPENSE OF THE TRANSFEROR,
      THAT
      SUCH TRANSFER MAY BE MADE WITHOUT REGISTRATION UNDER THE SECURITIES ACT OF
      1933,
      AS AMENDED.

     

    NO
      TRANSFER OF THIS CERTIFICATE NOR ANY INTEREST THEREIN WILL BE REGISTERED TO
      AN
      EMPLOYEE BENEFIT PLAN OR OTHER RETIREMENT ARRANGEMENT SUBJECT TO THE EMPLOYEE
      RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED (“ERISA”), SECTION 4975 OF
      THE INTERNAL REVENUE CODE OF 1986 (“CODE”), OR A PLAN SUBJECT TO APPLICABLE
      FEDERAL, STATE OR LOCAL LAW (“SIMILAR LAW”) MATERIALLY SIMILAR TO THE FOREGOING
      PROVISIONS OF ERISA OR THE CODE OR A PERSON INVESTING ON BEHALF OF OR WITH
      PLAN
      ASSETS OF SUCH A PLAN EXCEPT IN COMPLIANCE WITH THE PROCEDURES DESCRIBED
      HEREIN.

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

     

    
      	
              Certificate
                No.

            	
              :

            	
              1

            
	 	 	 
	
              Cut-off
                Date

            	
              :

            	
              February
                1, 2007

            
	 	 	 
	
              First
                Distribution Date

            	
              :

            	
              March
                26, 2007

            
	 	 	 
	
              Percentage
                Interest of this Certificate (“Denomination”)

            	
              :

            	
              100%

            
	 	 	 
	
              CUSIP

            	 	 
	
              Class
                P:

            	
              :

            	
              [__________]

            
	
              ISIN

            	 	 
	
              Class
                P

            	
              :

            	
              [__________]

            

    

    

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

    

     

    GS
      MORTGAGE SECURITIES CORP.

     

    GSAA
      HOME
      EQUITY TRUST 2007-S1

    MORTGAGE
      PASS-THROUGH CERTIFICATES, SERIES 2007-S1

    CLASS
      P

     

    evidencing
      a percentage interest in the distributions allocable to the Certificates of
      the
      above-referenced Class.

     

    Distributions
      in respect of this Certificate are distributable monthly as set forth herein.
      This Certificate does not evidence an obligation of, or an interest in, and
      is
      not guaranteed by the Depositor, the Master Servicer, the Servicers or the
      Trustee referred to below or any of their respective affiliates. Neither this
      Certificate nor the Mortgage Loans are guaranteed or insured by any governmental
      agency or instrumentality.

     

    This
      certifies that [________________] is the registered owner of the Percentage
      Interest evidenced by this Certificate (obtained by dividing the denomination
      of
      this Certificate by the aggregate of the denominations of all Certificates
      of
      the Class to which this Certificate belongs) in certain monthly distributions
      pursuant to a Pooling and Servicing Agreement dated as of February 1, 2007
      (the
“Agreement”)
      among
      GS Mortgage Securities Corp., as depositor (the “Depositor”),
      Ocwen
      Loan Servicing, LLC, as a servicer (“Ocwen”),
      Avelo
      Mortgage, L.L.C., as a servicer (“Avelo”),
      Specialized Loan Servicing LLC, as a servicer (“SLS”
and
      collectively with Ocwen and Avelo, the “Servicers”),
      Wells
      Fargo Bank, National Association, as master servicer (the “Master
      Servicer”),
      U.S.
      Bank National Association, as a custodian and Deutsche Bank National Trust
      Company, as trustee (the “Trustee”).
      To
      the extent not defined herein, the capitalized terms used herein have the
      meanings assigned in the Agreement. This Certificate is issued under and is
      subject to the terms, provisions and conditions of the Agreement, to which
      Agreement the Holder of this Certificate by virtue of the acceptance hereof
      assents and by which such Holder is bound.

     

    This
      Certificate does not have a Pass-Through Rate and will be entitled to
      distributions only to the extent set forth in the Agreement. In addition, any
      distribution of the proceeds of any remaining assets of the Trust will be made
      only upon presentment and surrender of this Certificate at the offices
      designated by the Trustee for such purpose.

     

    No
      transfer of a Certificate of this Class shall be made unless such disposition
      is
      exempt from the registration requirements of the Securities Act of 1933, as
      amended (the “1933 Act”), and any applicable state securities laws or is made in
      accordance with the 1933 Act and such laws. In the event of any such transfer,
      the Trustee shall require the transferor to execute a transferor certificate
      (in
      substantially the form attached to the Agreement) and deliver either (i) a
      Rule
      144A Letter or a Non-Rule 144A Investment Letter, in either case substantially
      in the form attached to the Agreement, or (ii) a written Opinion of Counsel
      to
      the Trustee that such transfer may be made pursuant to an exemption, describing
      the applicable exemption and the basis therefor, from the 1933 Act or is being
      made pursuant to the 1933 Act, which Opinion of Counsel shall be an expense
      of
      the transferor.

     

    No
      transfer of this Certificate or any interest therein will be made except in
      accordance with Section 5.02(b) of the Pooling and Servicing
      Agreement.

     

    Reference
      is hereby made to the further provisions of this Certificate set forth on the
      reverse hereof, which further provisions shall for all purposes have the same
      effect as if set forth at this place.

     

    This
      Certificate shall not be entitled to any benefit under the Agreement or be
      valid
      for any purpose unless manually authenticated by an authorized signatory of
      the
      Trustee.

     

     

    *
      *
      *

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

     

    IN
      WITNESS WHEREOF, the Trustee has caused this Certificate to be duly
      executed.

     

    
      	 	
              DEUTSCHE
                BANK NATIONAL TRUST COMPANY,

              not
                in its individual capacity, but solely as

              Trustee

               

               

              By:
                ______________________________

            
	
              Authenticated:

               

              By:
                ______________________________ 

              Authorized
                Signatory of

               

              DEUTSCHE
                BANK NATIONAL TRUST 

              COMPANY,
                not in its individual capacity,

              but
                solely as Trustee

            	 

    

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

    GS
      MORTGAGE SECURITIES CORP.

    GSAA
      HOME
      EQUITY TRUST 2007-S1

    MORTGAGE
      PASS-THROUGH CERTIFICATES

     

    This
      Certificate is one of a duly authorized issue of Certificates designated as
      GSAA
      Home Equity Trust 2007-S1 Mortgage Pass-Through Certificates, of the Series
      specified on the face hereof (herein collectively called the “Certificates”),
      and representing a beneficial ownership interest in the Trust Fund created
      by
      the Agreement.

     

    The
      Certificateholder, by its acceptance of this Certificate, agrees that it will
      look solely to the funds on deposit in the Distribution Account for payment
      hereunder and that the Trustee is not liable to the Certificateholders for
      any
      amount payable under this Certificate or the Agreement or, except as expressly
      provided in the Agreement, subject to any liability under the
      Agreement.

     

    This
      Certificate does not purport to summarize the Agreement and reference is made
      to
      the Agreement for the interests, rights and limitations of rights, benefits,
      obligations and duties evidenced thereby, and the rights, duties and immunities
      of the Trustee.

     

    Pursuant
      to the terms of the Agreement, a distribution will be made on the 25th day
      of
      each month or, if such 25th day is not a Business Day, the Business Day
      immediately following (the “Distribution Date”), commencing on the first
      Distribution Date specified on the face hereof, to the Person in whose name
      this
      Certificate is registered at the close of business on the applicable Record
      Date
      in an amount equal to the product of the Percentage Interest evidenced by this
      Certificate and the amount required to be distributed to Holders of Certificates
      of the Class to which this Certificate belongs on such Distribution Date
      pursuant to the Agreement. The Record Date for each Distribution Date is the
      last Business Day of the applicable Interest Accrual Period for the related
      Distribution Date; provided,
      however,
      that for
      any Definitive Certificates, the Record Date shall be the last Business Day
      of
      the month immediately preceding the month of such Distribution Date (or if
      such
      day is not a Business Day, on the immediately preceding Business
      Day).

     

    Distributions
      on this Certificate shall be made by wire transfer of immediately available
      funds to the account of the Holder hereof at a bank or other entity having
      appropriate facilities therefor, if such Certificateholder shall have so
      notified the Trustee in writing at least five Business Days prior to the related
      Record Date and such Certificateholder shall satisfy the conditions to receive
      such form of payment set forth in the Agreement, or, if not, by check mailed
      by
      first class mail to the address of such Certificateholder appearing in the
      Certificate Register. The final distribution on each Certificate will be made
      in
      like manner, but only upon presentment and surrender of such Certificate at
      the
      offices designated by the Trustee for such purposes.

     

    The
      Agreement permits, with certain exceptions therein provided, the amendment
      thereof and the modification of the rights and obligations of the Trustee and
      the rights of the Certificateholders under the Agreement at any time by the
      Depositor, the Master Servicer, the Servicers, the Trustee and the Certificate
      Insurer with the consent of the Holders of Certificates affected by such
      amendment evidencing the requisite Percentage Interest, as provided in the
      Agreement. Any such consent by the Holder of this Certificate shall be
      conclusive and binding on such Holder and upon all future Holders of this
      Certificate and of any Certificate issued upon the transfer hereof or in
      exchange therefor or in lieu hereof whether or not notation of such consent
      is
      made upon this Certificate. The Agreement also permits the amendment thereof
      by
      the Depositor, the Master Servicer, the Servicers, the Trustee and the
      Certificate Insurer, in certain limited circumstances, without the consent
      of
      the Holders of any of the Certificates.

     

    As
      provided in the Agreement and subject to certain limitations therein set forth,
      the transfer of this Certificate is registrable in the Certificate Register
      of
      the Trustee upon surrender of this Certificate for registration of transfer
      at
      the offices designated by the Trustee for such purposes, accompanied by a
      written instrument of transfer in form satisfactory to the Trustee and the
      Certificate Registrar duly executed by the holder hereof or such holder’s
      attorney duly authorized in writing, and thereupon one or more new Certificates
      of the same Class in authorized denominations and evidencing the same aggregate
      Percentage Interest in the Trust Fund will be issued to the designated
      transferee or transferees.

     

    The
      Certificates are issuable only as registered Certificates without coupons in
      denominations specified in the Agreement. As provided in the Agreement and
      subject to certain limitations therein set forth, Certificates are exchangeable
      for new Certificates of the same Class in authorized denominations and
      evidencing the same aggregate Percentage Interest, as requested by the Holder
      surrendering the same.

     

    No
      service charge will be made for any such registration of transfer or exchange,
      but the Trustee may require payment of a sum sufficient to cover any tax or
      other governmental charge payable in connection therewith.

     

    The
      Depositor and the Trustee and any agent of the Depositor or the Trustee may
      treat the Person in whose name this Certificate is registered as the owner
      hereof for all purposes, and neither the Depositor, the Trustee, nor any such
      agent shall be affected by any notice to the contrary.

     

    On
      any
      Distribution Date on which the aggregate Stated Principal Balance of the
      Mortgage Loans is less than or equal to 10% of the Cut-off Date Pool Principal
      Balance, the Majority Class X Certificateholders, may at their option (with
      the
      prior written consent of the Certificate Insurer, as required under certain
      circumstances described in the Agreement), direct the majority Servicer to
      repurchase, in whole, from the Trust Fund all remaining Mortgage Loans and
      all
      related property acquired in respect of the Mortgage Loans at a purchase price
      determined as provided in the Agreement. The obligations and responsibilities
      created by the Agreement will terminate as provided in Section 10.01 of the
      Agreement.

     

    Any
      term
      used herein that is defined in the Agreement shall have the meaning assigned
      in
      the Agreement, and nothing herein shall be deemed inconsistent with that
      meaning.

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

    
 

    ASSIGNMENT

     

    FOR
      VALUE
      RECEIVED, the undersigned hereby sell(s), assign(s) and transfer(s) unto

     

    __________________________________________________

     

    __________________________________________________

     

    __________________________________________________

     

     

    (Please
      print or typewrite name and address including postal zip code of
      assignee)

     

    the
      Percentage Interest evidenced by the within Certificate and hereby authorizes
      the transfer of registration of such Percentage Interest to assignee on the
      Certificate Register of the Trust Fund.

     

    I
      (We) further direct the Trustee to issue a new Certificate of a like
      denomination and Class, to the above named assignee and deliver such Certificate
      to the following address:

     

    __________________________________________________

     

    __________________________________________________

     

    __________________________________________________

     

     

    Signature
      by or on behalf of assignor

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

    DISTRIBUTION
      INSTRUCTIONS

     

    The
      assignee should include the following for purposes of distribution:

     

    Distributions
      shall be made, by wire transfer or otherwise, in immediately available funds
      to
      ______________________________________________________ for the account of
      _______________________________________ account number _____________, or, if
      mailed by check, to ______________________________________________.

     

    Applicable
      statements should be mailed to _______________________________.

     

    This
      information is provided by __________________________________,

     

    the
      assignee named above, or
      _____________________________________________________,

     

    as
      its
      agent.

     

     

    EXHIBIT
      C

     

    FORM
      OF
      CLASS R CERTIFICATE

     

    SOLELY
      FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A “RESIDUAL INTEREST”
IN FOUR “REAL ESTATE MORTGAGE INVESTMENT CONDUITS,” AS THOSE TERMS ARE DEFINED,
      RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986,
      AS
      AMENDED (THE “CODE”).

     

    NEITHER
      THIS CERTIFICATE NOR ANY INTEREST HEREIN MAY BE TRANSFERRED UNLESS THE PROPOSED
      TRANSFEROR DELIVERS TO THE TRUSTEE A TRANSFEROR LETTER IN THE FORM OF EXHIBIT
      H
      TO THE AGREEMENT REFERRED TO HEREIN AND EITHER (i) THE TRUSTEE RECEIVES A RULE
      144A LETTER IN THE FORM OF EXHIBIT I-1 OR A NON-RULE 144A INVESTMENT LETTER
      IN
      THE FORM OF EXHIBIT I-2 TO THE AGREEMENT REFERRED TO HEREIN OR (ii) THE TRUSTEE
      RECEIVES AN OPINION OF COUNSEL, DELIVERED AT THE EXPENSE OF THE TRANSFEROR,
      THAT
      SUCH TRANSFER MAY BE MADE WITHOUT REGISTRATION UNDER THE SECURITIES ACT OF
      1933,
      AS AMENDED.

     

    NEITHER
      THIS CERTIFICATE NOR ANY INTEREST HEREIN MAY BE TRANSFERRED UNLESS THE PROPOSED
      TRANSFEREE DELIVERS TO THE TRUSTEE A TRANSFER AFFIDAVIT IN ACCORDANCE WITH
      THE
      PROVISIONS OF THE AGREEMENT REFERRED TO HEREIN.

     

    NEITHER
      THIS CERTIFICATE NOR ANY INTEREST HEREIN MAY BE TRANSFERRED UNLESS THE
      TRANSFEREE DELIVERS TO THE TRUSTEE A REPRESENTATION LETTER TO THE EFFECT THAT
      SUCH TRANSFEREE IS NOT AN EMPLOYEE BENEFIT PLAN SUBJECT TO THE EMPLOYEE
      RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED (“ERISA”), OR A PLAN OR
      ARRANGEMENT SUBJECT TO SECTION 4975 OF THE CODE OR A PLAN SUBJECT TO MATERIALLY
      SIMILAR PROVISIONS OF APPLICABLE FEDERAL, STATE OR LOCAL LAW (“SIMILAR LAW”) OR
      A PERSON INVESTING ON BEHALF OF OR WITH PLAN ASSETS OF SUCH A PLAN. IN THE
      EVENT
      THAT SUCH REPRESENTATION IS VIOLATED, OR ANY ATTEMPT IS MADE TO TRANSFER TO
      A
      PLAN OR ARRANGEMENT SUBJECT TO SECTION 406 OF ERISA, SECTION 4975 OF
      THE CODE OR SIMILAR LAW, OR A PERSON ACTING ON BEHALF OF ANY SUCH PLAN OR
      ARRANGEMENT OR USING THE ASSETS OF ANY SUCH PLAN OR ARRANGEMENT, SUCH ATTEMPTED
      TRANSFER OR ACQUISITION SHALL BE VOID AND OF NO EFFECT.

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

     

    
      	
              Certificate
                No.

            	
              :

            	
              1

            
	 	 	 
	
              Cut-off
                Date

            	
              :

            	
              February
                1, 2007

            
	 	 	 
	
              First
                Distribution Date

            	
              :

            	
              March
                26, 2007

            
	 	 	 
	
              Percentage
                Interest of this Certificate (“Denomination”)

            	
               

              :

            	
              100%

            
	 	 	 
	
              CUSIP

            	 	 
	
              Class
                R

            	
              :

            	
              [_________]

            
	
              ISIN

            	 	 
	
              Class
                R

            	
              :

            	
              [_________]

            

    

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

     

    GS
      MORTGAGE SECURITIES CORP.

    GSAA
      HOME
      EQUITY TRUST 2007-S1

     

    Mortgage
      Pass-Through Certificates, Series 2007-S1

     

    Class
      R

     

    evidencing
      a percentage interest in the distributions allocable to the Certificates of
      the
      above-referenced Class.

     

    Distributions
      in respect of this Certificate are distributable monthly as set forth herein.
      This Class R Certificate has no Certificate Balance and is not entitled to
      distributions in respect of principal or interest. This Certificate does not
      evidence an obligation of, or an interest in, and is not guaranteed by the
      Depositor, the Master Servicer, the Servicers or the Trustee referred to below
      or any of their respective affiliates. Neither this Certificate nor the Mortgage
      Loans are guaranteed or insured by any governmental agency or
      instrumentality.

     

    This
      certifies that [______________] is the registered owner of the Percentage
      Interest specified above of any monthly distributions due to the Class R
      Certificates pursuant to a Pooling and Servicing Agreement dated as of February
      1, 2007 (the “Agreement”)
      among
      GS Mortgage Securities Corp., as depositor (the “Depositor”),
      Ocwen
      Loan Servicing, LLC, as a servicer (“Ocwen”),
      Avelo
      Mortgage, L.L.C., as a servicer (“Avelo”),
      Specialized Loan Servicing LLC, as a servicer (“SLS”
and
      collectively with Ocwen and Avelo, the “Servicers”),
      Wells
      Fargo Bank, National Association, as master servicer (the “Master
      Servicer”),
      U.S.
      Bank National Association, as a custodian and Deutsche Bank National Trust
      Company, as trustee (the “Trustee”).
      To
      the extent not defined herein, the capitalized terms used herein have the
      meanings assigned in the Agreement. This Certificate is issued under and is
      subject to the terms, provisions and conditions of the Agreement, to which
      Agreement the Holder of this Certificate by virtue of the acceptance hereof
      assents and by which such Holder is bound.

     

    Any
      distribution of the proceeds of any remaining assets of the Trust Fund will
      be
      made only upon presentment and surrender of this Class R Certificate at the
      offices designated by the Trustee for such purposes.

     

    No
      transfer of a Certificate of this Class shall be made unless such disposition
      is
      exempt from the registration requirements of the Securities Act of 1933, as
      amended (the “1933 Act”), and any applicable state securities laws or is
      made in accordance with the 1933 Act and such laws. In the event of any such
      transfer, the Trustee shall require the transferor to execute a transferor
      certificate (in substantially the form attached to the Agreement) and deliver
      either (i) a Rule 144A Letter or a Non-Rule 144A Investment Letter, in either
      case substantially in the form attached to the Agreement, or (ii) a written
      Opinion of Counsel to the Trustee that such transfer may be made pursuant to
      an
      exemption, describing the applicable exemption and the basis therefor, from
      the
      1933 Act or is being made pursuant to the 1933 Act, which Opinion of Counsel
      shall be an expense of the transferor.

     

    No
      transfer of a Class R Certificate shall be made unless the Trustee shall have
      received a representation letter from the transferee of such Certificate,
      acceptable to and in form and substance satisfactory to the Trustee, to the
      effect that such transferee is not an employee benefit plan subject to Section
      406 of ERISA, a plan or arrangement subject to Section 4975 of the Code or
      a
      plan subject to Similar Law, or a person acting on behalf of any such plan
      or
      arrangement nor using the assets of any such plan or arrangement to effect
      such
      transfer, which representation letter shall not be an expense of the Trustee,
      the Depositor, the Master Servicer, the Servicers or the Trust Fund. In the
      event that such representation is violated, or any attempt is made to transfer
      to a plan or arrangement subject to Section 406 of ERISA, Section 4975 of
      the Code or Similar Law, or a person acting on behalf of any such plan or
      arrangement or using the assets of any such plan or arrangement, such attempted
      transfer or acquisition shall be void and of no effect.

     

    Each
      Holder of this Class R Certificate shall be deemed by the acceptance or
      acquisition an Ownership Interest in this Class R Certificate to have agreed
      to
      be bound by the following provisions, and the rights of each Person acquiring
      any Ownership Interest in this Class R Certificate are expressly subject to
      the
      following provisions: (i) each Person holding or acquiring any Ownership
      Interest in this Class R Certificate shall be a Permitted Transferee and shall
      promptly notify the Trustee of any change or impending change in its status
      as a
      Permitted Transferee, (ii) no Ownership Interest in this Class R Certificate
      may
      be registered on the Closing Date or thereafter transferred, and the Trustee
      shall not register the Transfer of this Certificate unless, in addition to
      the
      certificates required to be delivered to the Trustee under Section 5.02(b)
      of
      the Agreement, the Trustee shall have been furnished with a Transfer Affidavit
      of the initial owner or the proposed transferee in the form attached as Exhibit
      G to the Agreement, (iii) each Person holding or acquiring any Ownership
      Interest in this Class R Certificate shall agree (A) to obtain a Transfer
      Affidavit from any other Person to whom such Person attempts to Transfer its
      Ownership Interest this Class R Certificate, (B) to obtain a Transfer
      Affidavit from any Person for whom such Person is acting as nominee, trustee
      or
      agent in connection with any Transfer of this Class R Certificate, (C) not
      to
      cause income with respect to the Class R Certificate to be attributable to
      a
      foreign permanent establishment or fixed base, within the meaning of an
      applicable income tax treaty, of such Person or any other U.S. Person and (D)
      not to Transfer the Ownership Interest in this Class R Certificate or to cause
      the Transfer of the Ownership Interest in this Class R Certificate to any other
      Person if it has actual knowledge that such Person is not a Permitted Transferee
      and (iv) any attempted or purported Transfer of the Ownership Interest in this
      Class R Certificate in violation of the provisions herein shall be absolutely
      null and void and shall vest no rights in the purported Transferee.

     

    Reference
      is hereby made to the further provisions of this Certificate set forth on the
      reverse hereof, which further provisions shall for all purposes have the same
      effect as if set forth at this place.

     

    This
      Certificate shall not be entitled to any benefit under the Agreement or be
      valid
      for any purpose unless manually authenticated by an authorized signatory of
      the
      Trustee.

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

     

    IN
      WITNESS WHEREOF, the Trustee has caused this Certificate to be duly
      executed.

     

     

    
      	 	DEUTSCHE
              BANK NATIONAL TRUST COMPANY,
              not
                in its individual capacity, but solely as

              Trustee

               

               

              By:
                ______________________________

            
	
              Authenticated:

               

              By:
                ______________________________ 

              Authorized
                Signatory of

               

              DEUTSCHE
                BANK NATIONAL TRUST 

              COMPANY,
                not in its individual capacity,

              but
                solely as Trustee

            	 

    

    
       

    

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

     

    GS
      MORTGAGE SECURITIES CORP.

    GSAA
      Home
      Equity Trust 2007-S1

     

    Mortgage
      Pass-Through Certificates

    This
      Certificate is one of a duly authorized issue of Certificates designated as
      GSAA
      Home Equity Trust 2007-S1 Mortgage Pass-Through Certificates, of the Series
      specified on the face hereof (herein collectively called the “Certificates”),
      and representing a beneficial ownership interest in the Trust Fund created
      by
      the Agreement.

     

    The
      Certificateholder, by its acceptance of this Certificate, agrees that it will
      look solely to the funds on deposit in the Distribution Account for payment
      hereunder and that the Trustee is not liable to the Certificateholders for
      any
      amount payable under this Certificate or the Agreement or, except as expressly
      provided in the Agreement, subject to any liability under the
      Agreement.

     

    This
      Certificate does not purport to summarize the Agreement and reference is made
      to
      the Agreement for the interests, rights and limitations of rights, benefits,
      obligations and duties evidenced thereby, and the rights, duties and immunities
      of the Trustee.

     

    Pursuant
      to the terms of the Agreement, a distribution will be made on the 25th day
      of
      each month or, if such 25th day is not a Business Day, the Business Day
      immediately following (the “Distribution Date”), commencing on the first
      Distribution Date specified on the face hereof, to the Person in whose name
      this
      Certificate is registered at the close of business on the applicable Record
      Date
      in an amount equal to the product of the Percentage Interest evidenced by this
      Certificate and the amount required to be distributed to Holders of Certificates
      of the Class to which this Certificate belongs on such Distribution Date
      pursuant to the Agreement. The Record Date for each Distribution Date is the
      last Business Day of the applicable Interest Accrual Period for the related
      Distribution Date; provided, however, that for any Definitive Certificates,
      the
      Record Date shall be the last Business Day of the month immediately preceding
      the month of such Distribution Date (or if such day is not a Business Day,
      on
      the immediately preceding Business Day).

     

    Distributions
      on this Certificate shall be made by wire transfer of immediately available
      funds to the account of the Holder hereof at a bank or other entity having
      appropriate facilities therefor, if such Certificateholder shall have so
      notified the Trustee in writing at least five Business Days prior to the related
      Record Date and such Certificateholder shall satisfy the conditions to receive
      such form of payment set forth in the Agreement, or, if not, by check mailed
      by
      first class mail to the address of such Certificateholder appearing in the
      Certificate Register. The final distribution on each Certificate will be made
      in
      like manner, but only upon presentment and surrender of such Certificate at
      the
      offices designated by the Trustee for such purposes.

     

    The
      Agreement permits, with certain exceptions therein provided, the amendment
      thereof and the modification of the rights and obligations of the Trustee and
      the rights of the Certificateholders under the Agreement at any time by the
      Depositor, the Master Servicer, the Servicers, the Trustee and the Certificate
      Insurer with the consent of the Holders of Certificates affected by such
      amendment evidencing the requisite Percentage Interest, as provided in the
      Agreement. Any such consent by the Holder of this Certificate shall be
      conclusive and binding on such Holder and upon all future Holders of this
      Certificate and of any Certificate issued upon the transfer hereof or in
      exchange therefor or in lieu hereof whether or not notation of such consent
      is
      made upon this Certificate. The Agreement also permits the amendment thereof
      by
      the Depositor, the Master Servicer, the Servicers, the Trustee and the
      Certificate Insurer, in certain limited circumstances, without the consent
      of
      the Holders of any of the Certificates.

     

    As
      provided in the Agreement and subject to certain limitations therein set forth,
      the transfer of this Certificate is registrable in the Certificate Register
      of
      the Trustee upon surrender of this Certificate for registration of transfer
      at
      the offices designated by the Trustee for such purposes, accompanied by a
      written instrument of transfer in form satisfactory to the Trustee and the
      Certificate Registrar duly executed by the holder hereof or such holder’s
      attorney duly authorized in writing, and thereupon one or more new Certificates
      of the same Class in authorized denominations and evidencing the same aggregate
      Percentage Interest in the Trust Fund will be issued to the designated
      transferee or transferees.

     

    The
      Certificates are issuable only as registered Certificates without coupons in
      denominations specified in the Agreement. As provided in the Agreement and
      subject to certain limitations therein set forth, Certificates are exchangeable
      for new Certificates of the same Class in authorized denominations and
      evidencing the same aggregate Percentage Interest, as requested by the Holder
      surrendering the same.

     

    No
      service charge will be made for any such registration of transfer or exchange,
      but the Trustee may require payment of a sum sufficient to cover any tax or
      other governmental charge payable in connection therewith.

     

    The
      Depositor and the Trustee and any agent of the Depositor or the Trustee may
      treat the Person in whose name this Certificate is registered as the owner
      hereof for all purposes, and neither the Depositor, the Trustee, nor any such
      agent shall be affected by any notice to the contrary.

     

    On
      any
      Distribution Date on which the aggregate Stated Principal Balance of the
      Mortgage Loans is less than or equal to 10% of the Cut-off Date Pool Principal
      Balance, the Majority Class X Certificateholders, may at their option (with
      the
      prior written consent of the Certificate Insurer, as required under certain
      circumstances described in the Agreement), direct the majority Servicer to
      repurchase, in whole, from the Trust Fund all remaining Mortgage Loans and
      all
      related property acquired in respect of the Mortgage Loans at a purchase price
      determined as provided in the Agreement. The obligations and responsibilities
      created by the Agreement will terminate as provided in Section 10.01 of the
      Agreement.

     

    Any
      term
      used herein that is defined in the Agreement shall have the meaning assigned
      in
      the Agreement, and nothing herein shall be deemed inconsistent with that
      meaning.

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

    ASSIGNMENT

     

    FOR
      VALUE
      RECEIVED, the undersigned hereby sell(s), assign(s) and transfer(s) unto

     

    __________________________________________________

     

    __________________________________________________

     

    __________________________________________________

     

     

    (Please
      print or typewrite name and address including postal zip code of
      assignee)

     

    the
      Percentage Interest evidenced by the within Certificate and hereby authorizes
      the transfer of registration of such Percentage Interest to assignee on the
      Certificate Register of the Trust Fund.

     

    I
      (We) further direct the Trustee to issue a new Certificate of a like
      denomination and Class, to the above named assignee and deliver such Certificate
      to the following address:

     

    __________________________________________________

     

    __________________________________________________

     

    __________________________________________________

     

     

     

    Signature
      by or on behalf of assignor

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

    DISTRIBUTION
      INSTRUCTIONS

     

    The
      assignee should include the following for purposes of distribution:

     

    Distributions
      shall be made, by wire transfer or otherwise, in immediately available funds
      to
      ______________________________________________________ for the account of
      _______________________________________ account number _____________, or, if
      mailed by check, to ______________________________________________.

     

    Applicable
      statements should be mailed to _______________________________.

     

    This
      information is provided by __________________________________,

     

    the
      assignee named above, or 
      _____________________________________________________,

     

    as
      its
      agent.

     

     

    EXHIBIT
      D-1

     

    FORM
      OF
      CLASS X CERTIFICATE

     

    SOLELY
      FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE REPRESENTS TWO “REGULAR
      INTERESTS” IN A “REAL ESTATE MORTGAGE INVESTMENT CONDUIT,” AS THOSE TERMS ARE
      DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE
      OF
      1986, AS AMENDED (THE “CODE”),
      AND
      CERTAIN OTHER ASSETS.

     

    NEITHER
      THIS CERTIFICATE NOR ANY INTEREST HEREIN MAY BE TRANSFERRED UNLESS THE PROPOSED
      TRANSFEROR DELIVERS TO THE TRUSTEE A TRANSFEROR LETTER IN THE FORM OF EXHIBIT
      H
      TO THE AGREEMENT REFERRED TO HEREIN AND EITHER (i) THE TRUSTEE RECEIVES A RULE
      144A LETTER IN THE FORM OF EXHIBIT I-1 OR A NON-RULE 144A INVESTMENT LETTER
      IN
      THE FORM OF EXHIBIT I-2 TO THE AGREEMENT REFERRED TO HEREIN OR (ii) THE
      TRUSTEE RECEIVES AN OPINION OF COUNSEL, DELIVERED AT THE EXPENSE OF THE
      TRANSFEROR, THAT SUCH TRANSFER MAY BE MADE WITHOUT REGISTRATION UNDER THE
      SECURITIES ACT OF 1933, AS AMENDED.

     

    NO
      TRANSFER OF THIS CERTIFICATE NOR ANY INTEREST THEREIN WILL BE REGISTERED TO
      AN
      EMPLOYEE BENEFIT PLAN OR OTHER RETIREMENT ARRANGEMENT SUBJECT TO THE EMPLOYEE
      RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED (“ERISA”), SECTION 4975 OF
      THE CODE, OR A PLAN SUBJECT TO APPLICABLE FEDERAL, STATE OR LOCAL LAW (“SIMILAR
      LAW”) MATERIALLY SIMILAR TO THE FOREGOING PROVISIONS OF ERISA OR THE CODE OR A
      PERSON INVESTING ON BEHALF OF OR WITH PLAN ASSETS OF SUCH A PLAN EXCEPT IN
      COMPLIANCE WITH THE PROCEDURES DESCRIBED HEREIN.

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

     

    

    
      	
              Certificate
                No.

            	
              :

            	 
	 	 	 
	
              Cut-off
                Date

            	
              :

            	
              February
                1, 2007

            
	 	 	 
	
              First
                Distribution Date

            	
              :

            	
              March
                26, 2007

            
	 	 	 
	
              Percentage
                Interest of this Certificate (“Denomination”)

            	
              :

            	
              100%

            
	 	 	 
	
              Notional
                Balance

            	 	 
	
              Class
                X

            	
              :

            	
              $[____________]

            
	 	 	 
	
              CUSIP

            	 	 
	
              Class
                X

            	
              :

            	
              [_____________]

            
	
              ISIN

            	 	 
	
              Class
                X

            	
              :

            	
              [_____________]

            

    

    

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

     

    GS
      MORTGAGE SECURITIES CORP.

    GSAA
      Home
      Equity Trust 2007-S1

     

    Mortgage
      Pass-Through Certificates, Series 2007-S1

     

    Class
      X

     

    evidencing
      a percentage interest in the distributions allocable to the Certificates of
      the
      above-referenced Class.

     

    Distributions
      in respect of this Certificate are distributable monthly as set forth herein.
      This Class X Certificate has a Notional Balance equal to the aggregate Stated
      Principal Balance of the Mortgage Loans. This Certificate does not evidence
      an
      obligation of, or an interest in, and is not guaranteed by the Depositor, the
      Master Servicer, the Servicers or the Trustee referred to below or any of their
      respective affiliates. Neither this Certificate nor the Mortgage Loans are
      guaranteed or insured by any governmental agency or
      instrumentality.

     

    This
      certifies that [____________] is the registered owner of the Percentage Interest
      specified above of any monthly distributions due to the Class X Certificates
      pursuant to a Pooling and Servicing Agreement dated as of February 1, 2007
      (the
“Agreement”)
      among
      GS Mortgage Securities Corp., as depositor (the “Depositor”),
      Ocwen
      Loan Servicing, LLC, as a servicer (“Ocwen”),
      Avelo
      Mortgage, L.L.C., as a servicer (“Avelo”),
      Specialized Loan Servicing LLC, as a servicer (“SLS”
and
      collectively with Ocwen and Avelo, the “Servicers”),
      Wells
      Fargo Bank, National Association, as master servicer (the “Master
      Servicer”),
      U.S.
      Bank National Association, as a custodian and Deutsche Bank National Trust
      Company, as trustee (the “Trustee”).
      To
      the extent not defined herein, the capitalized terms used herein have the
      meanings assigned in the Agreement. This Certificate is issued under and is
      subject to the terms, provisions and conditions of the Agreement, to which
      Agreement the Holder of this Certificate by virtue of the acceptance hereof
      assents and by which such Holder is bound.

     

    Any
      distribution of the proceeds of any remaining assets of the Trust Fund will
      be
      made only upon presentment and surrender of this Class X Certificate at the
      offices designated by the Trustee for such purposes.

     

    No
      transfer of this Certificate or any interest therein will be made except in
      accordance with Section 5.02(b) of the Pooling and Servicing
      Agreement.

     

    No
      transfer of a Certificate of this Class shall be made unless such disposition
      is
      exempt from the registration requirements of the Securities Act of 1933, as
      amended (the “1933
      Act”),
      and
      any applicable state securities laws or is made in accordance with the 1933
      Act
      and such laws. In the event of any such transfer, the Trustee shall require
      the
      transferor to execute a transferor certificate (in substantially the form
      attached to the Agreement) and deliver either (i) a Rule 144A Letter or a
      Non-Rule 144A Investment Letter, in either case substantially in the form
      attached to the Agreement, or (ii) a written Opinion of Counsel to the Trustee
      that such transfer may be made pursuant to an exemption, describing the
      applicable exemption and the basis therefor, from the 1933 Act or is being
      made
      pursuant to the 1933 Act, which Opinion of Counsel shall be an expense of the
      transferor.

     

    Reference
      is hereby made to the further provisions of this Certificate set forth on the
      reverse hereof, which further provisions shall for all purposes have the same
      effect as if set forth at this place.

     

    This
      Certificate shall not be entitled to any benefit under the Agreement or be
      valid
      for any purpose unless manually authenticated by an authorized signatory of
      the
      Trustee.

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

     

    IN
      WITNESS WHEREOF, the Trustee has caused this Certificate to be duly
      executed.

     

    
      	 	
              DEUTSCHE
                BANK NATIONAL TRUST COMPANY,

              not
                in its individual capacity, but solely as

              Trustee

               

               

              By:
                ______________________________

            
	
              Authenticated:

               

              By:
                ______________________________ 

              Authorized
                Signatory of

               

              DEUTSCHE
                BANK NATIONAL TRUST 

              COMPANY,
                not in its individual capacity,

              but
                solely as Trustee

            	 

    

    
       

    

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

     

    GS
      MORTGAGE SECURITIES CORP.

    GSAA
      Home
      Equity Trust 2007-S1

     

    Mortgage
      Pass-Through Certificates

    This
      Certificate is one of a duly authorized issue of Certificates designated as
      GSAA
      Home Equity Trust 2007-S1 Mortgage Pass-Through Certificates, of the Series
      specified on the face hereof (herein collectively called the “Certificates”),
      and representing a beneficial ownership interest in the Trust Fund created
      by
      the Agreement.

     

    The
      Certificateholder, by its acceptance of this Certificate, agrees that it will
      look solely to the funds on deposit in the Distribution Account for payment
      hereunder and that the Trustee is not liable to the Certificateholders for
      any
      amount payable under this Certificate or the Agreement or, except as expressly
      provided in the Agreement, subject to any liability under the
      Agreement.

     

    This
      Certificate does not purport to summarize the Agreement and reference is made
      to
      the Agreement for the interests, rights and limitations of rights, benefits,
      obligations and duties evidenced thereby, and the rights, duties and immunities
      of the Trustee.

     

    Pursuant
      to the terms of the Agreement, a distribution will be made on the 25th day
      of
      each month or, if such 25th day is not a Business Day, the Business Day
      immediately following (the “Distribution Date”), commencing on the first
      Distribution Date specified on the face hereof, to the Person in whose name
      this
      Certificate is registered at the close of business on the applicable Record
      Date
      in an amount equal to the product of the Percentage Interest evidenced by this
      Certificate and the amount required to be distributed to Holders of Certificates
      of the Class to which this Certificate belongs on such Distribution Date
      pursuant to the Agreement. The Record Date for each Distribution Date is the
      last Business Day of the applicable Interest Accrual Period for the related
      Distribution Date; provided,
      however,
      that for
      any Definitive Certificates, the Record Date shall be the last Business Day
      of
      the month immediately preceding the month of such Distribution Date (or if
      such
      day is not a Business Day, on the immediately preceding Business
      Day).

     

    Distributions
      on this Certificate shall be made by wire transfer of immediately available
      funds to the account of the Holder hereof at a bank or other entity having
      appropriate facilities therefor, if such Certificateholder shall have so
      notified the Trustee in writing at least five Business Days prior to the related
      Record Date and such Certificateholder shall satisfy the conditions to receive
      such form of payment set forth in the Agreement, or, if not, by check mailed
      by
      first class mail to the address of such Certificateholder appearing in the
      Certificate Register. The final distribution on each Certificate will be made
      in
      like manner, but only upon presentment and surrender of such Certificate at
      the
      offices designated by the Trustee for such purposes.

     

    The
      Agreement permits, with certain exceptions therein provided, the amendment
      thereof and the modification of the rights and obligations of the Trustee and
      the rights of the Certificateholders under the Agreement at any time by the
      Depositor, the Master Servicer, the Servicers, the Trustee and the Certificate
      Insurer with the consent of the Holders of Certificates affected by such
      amendment evidencing the requisite Percentage Interest, as provided in the
      Agreement. Any such consent by the Holder of this Certificate shall be
      conclusive and binding on such Holder and upon all future Holders of this
      Certificate and of any Certificate issued upon the transfer hereof or in
      exchange therefor or in lieu hereof whether or not notation of such consent
      is
      made upon this Certificate. The Agreement also permits the amendment thereof
      by
      the Depositor, the Master Servicer, the Servicers, the Trustee and the
      Certificate Insurer, in certain limited circumstances, without the consent
      of
      the Holders of any of the Certificates.

     

    As
      provided in the Agreement and subject to certain limitations therein set forth,
      the transfer of this Certificate is registrable in the Certificate Register
      of
      the Trustee upon surrender of this Certificate for registration of transfer
      at
      the offices designated by the Trustee for such purposes, accompanied by a
      written instrument of transfer in form satisfactory to the Trustee and the
      Certificate Registrar duly executed by the holder hereof or such holder’s
      attorney duly authorized in writing, and thereupon one or more new Certificates
      of the same Class in authorized denominations and evidencing the same aggregate
      Percentage Interest in the Trust Fund will be issued to the designated
      transferee or transferees.

     

    The
      Certificates are issuable only as registered Certificates without coupons in
      denominations specified in the Agreement. As provided in the Agreement and
      subject to certain limitations therein set forth, Certificates are exchangeable
      for new Certificates of the same Class in authorized denominations and
      evidencing the same aggregate Percentage Interest, as requested by the Holder
      surrendering the same.

     

    No
      service charge will be made for any such registration of transfer or exchange,
      but the Trustee may require payment of a sum sufficient to cover any tax or
      other governmental charge payable in connection therewith.

     

    The
      Depositor, the Master Servicer, the Servicers and the Trustee and any agent
      of
      the Depositor or the Trustee may treat the Person in whose name this Certificate
      is registered as the owner hereof for all purposes, and neither the Depositor,
      the Trustee, nor any such agent shall be affected by any notice to the
      contrary.

     

    On
      any
      Distribution Date on which the aggregate Stated Principal Balance of the
      Mortgage Loans is less than or equal to 10% of the Cut-off Date Pool Principal
      Balance, the Majority Class X Certificateholders, may at their option (with
      the
      prior written consent of the Certificate Insurer, as required under certain
      circumstances described in the Agreement), direct the majority Servicer to
      repurchase, in whole, from the Trust Fund all remaining Mortgage Loans and
      all
      related property acquired in respect of the Mortgage Loans at a purchase price
      determined as provided in the Agreement. The obligations and responsibilities
      created by the Agreement will terminate as provided in Section 10.01 of the
      Agreement.

     

    Any
      term
      used herein that is defined in the Agreement shall have the meaning assigned
      in
      the Agreement, and nothing herein shall be deemed inconsistent with that
      meaning.

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

    ASSIGNMENT

     

    FOR
      VALUE
      RECEIVED, the undersigned hereby sell(s), assign(s) and transfer(s) unto

     

    __________________________________________________

     

    __________________________________________________

     

    __________________________________________________

     

     

     

    (Please
      print or typewrite name and address including postal zip code of
      assignee)

     

    the
      Percentage Interest evidenced by the within Certificate and hereby authorizes
      the transfer of registration of such Percentage Interest to assignee on the
      Certificate Register of the Trust Fund.

     

    I
      (We) further direct the Trustee to issue a new Certificate of a like
      denomination and Class, to the above named assignee and deliver such Certificate
      to the following address:

     

    __________________________________________________

     

    __________________________________________________

     

    __________________________________________________

     

     

     

    Signature
      by or on behalf of assignor

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

    DISTRIBUTION
      INSTRUCTIONS

     

    The
      assignee should include the following for purposes of distribution:

     

    Distributions
      shall be made, by wire transfer or otherwise, in immediately available funds
      to
      ______________________________________________________ for the account of
      _______________________________________ account number _____________, or, if
      mailed by check, to ______________________________________________.

     

    Applicable
      statements should be mailed to _______________________________.

     

    This
      information is provided by __________________________________,

     

    the
      assignee named above, or
      _____________________________________________________,

     

    as
      its
      agent.

     

     

    EXHIBIT
      D-2

     

    FORM
      OF
      CLASS X-1 CERTIFICATE

     

    NEITHER
      THIS CERTIFICATE NOR ANY INTEREST HEREIN MAY BE TRANSFERRED UNLESS THE PROPOSED
      TRANSFEROR DELIVERS TO THE TRUSTEE A TRANSFEROR LETTER IN THE FORM OF EXHIBIT
      H
      TO THE AGREEMENT REFERRED TO HEREIN AND EITHER (i) THE TRUSTEE RECEIVES A RULE
      144A LETTER IN THE FORM OF EXHIBIT I-1 OR A NON-RULE 144A INVESTMENT LETTER
      IN
      THE FORM OF EXHIBIT I-2 TO THE AGREEMENT REFERRED TO HEREIN OR (ii) THE TRUSTEE
      RECEIVES AN OPINION OF COUNSEL, DELIVERED AT THE EXPENSE OF THE TRANSFEROR,
      THAT
      SUCH TRANSFER MAY BE MADE WITHOUT REGISTRATION UNDER THE SECURITIES ACT OF
      1933,
      AS AMENDED.

     

    NO
      TRANSFER OF THIS CERTIFICATE NOR ANY INTEREST THEREIN WILL BE REGISTERED TO
      AN
      EMPLOYEE BENEFIT PLAN OR OTHER RETIREMENT ARRANGEMENT SUBJECT TO THE EMPLOYEE
      RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED (“ERISA”), THE INTERNAL
      REVENUE CODE OF 1986 (“CODE”), OR A PLAN SUBJECT TO APPLICABLE FEDERAL, STATE OR
      LOCAL LAW (“SIMILAR LAW”) MATERIALLY SIMILAR TO THE FOREGOING PROVISIONS OF
      ERISA OR THE CODE OR A PERSON INVESTING ON BEHALF OF OR WITH PLAN ASSETS OF
      SUCH
      A PLAN EXCEPT IN COMPLIANCE WITH THE PROCEDURES DESCRIBED
      HEREIN.

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

     

    

    
      	
              Certificate
                No.

            	
              :

            	
              1

            
	 	 	 
	
              Cut-off
                Date

            	
              :

            	
              February
                1, 2007

            
	 	 	 
	
              First
                Distribution Date

            	
              :

            	
              March
                26, 2007

            
	 	 	 
	
              Initial
                Certificate Balance of this Certificate (“Denomination”)

            	
              :

            	
              0.00

            
	
              Initial
                Certificate Balances of all Certificates of this Class

            	
              :

            	
              0.00

            
	 	 	 
	
              CUSIP

            	 	 
	
              Class
                X-1

            	
              :

            	
              [_____________]

            
	
              ISIN

            	 	 
	
              Class
                X-1

            	
              :

            	
              [_____________]

            

    

    

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

     

    GS
      MORTGAGE SECURITIES CORP.

    GSAA
      Home
      Equity Trust 2007-S1

     

    Mortgage
      Pass-Through Certificates, Series 2007-S1

     

    Class
      X-1

     

    evidencing
      a percentage interest in the distributions allocable to the Certificates of
      the
      above-referenced Class.

     

    Distributions
      in respect of this Certificate are distributable monthly as set forth herein.
      This Class X-1 Certificate is entitled to distributions with respect to certain
      Mortgage Loans that are initially assets of the Trust. This Certificate does
      not
      evidence an obligation of, or an interest in, and is not guaranteed by the
      Depositor, the Master Servicer, the Servicers or the Trustee referred to below
      or any of their respective affiliates. Neither this Certificate nor the Mortgage
      Loans are guaranteed or insured by any governmental agency or
      instrumentality.

     

    This
      certifies that [___________] is the registered owner of any monthly
      distributions due to the Class X-1 Certificates pursuant to a Pooling and
      Servicing Agreement, dated as of February 1, 2007 (the “Agreement”),
      among
      GS Mortgage Securities Corp., as depositor (the “Depositor”),
      Ocwen
      Loan Servicing, LLC, as a servicer (“Ocwen”),
      Avelo
      Mortgage, L.L.C., as a servicer (“Avelo”),
      Specialized Loan Servicing LLC, as a servicer (“SLS”
and
      collectively with Ocwen and Avelo, the “Servicers”),
      Wells
      Fargo Bank, National Association, as master servicer (the “Master
      Servicer”),
      U.S.
      Bank National Association, as a custodian and Deutsche Bank National Trust
      Company, as trustee (the “Trustee”).
      To
      the extent not defined herein, the capitalized terms used herein have the
      meanings assigned in the Agreement. This Certificate is issued under and is
      subject to the terms, provisions and conditions of the Agreement, to which
      Agreement the Holder of this Certificate by virtue of the acceptance hereof
      assents and by which such Holder is bound.

     

    Any
      distribution of the proceeds of any remaining assets of the Trust Fund will
      be
      made only upon presentment and surrender of this Class X-1 Certificate at the
      offices designated by the Trustee for such purposes.

     

    No
      transfer of this Certificate or any interest therein will be made except in
      accordance with Section 5.02(b) of the Pooling and Servicing
      Agreement.

     

    No
      transfer of a Certificate of this Class shall be made unless such disposition
      is
      exempt from the registration requirements of the Securities Act of 1933, as
      amended (the “1933 Act”), and any applicable state securities laws or is made in
      accordance with the 1933 Act and such laws. In the event of any such transfer,
      the Trustee shall require the transferor to execute a transferor certificate
      (in
      substantially the form attached to the Agreement) and deliver either (i) a
      Rule
      144A Letter or a Non-Rule 144A Investment Letter, in either case substantially
      in the form attached to the Agreement, or (ii) a written Opinion of Counsel
      to
      the Trustee that such transfer may be made pursuant to an exemption, describing
      the applicable exemption and the basis therefor, from the 1933 Act or is being
      made pursuant to the 1933 Act, which Opinion of Counsel shall be an expense
      of
      the transferor.

     

    Reference
      is hereby made to the further provisions of this Certificate set forth on the
      reverse hereof, which further provisions shall for all purposes have the same
      effect as if set forth at this place.

     

    This
      Certificate shall not be entitled to any benefit under the Agreement or be
      valid
      for any purpose unless manually authenticated by an authorized signatory of
      the
      Trustee.

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

     

    IN
      WITNESS WHEREOF, the Trustee has caused this Certificate to be duly
      executed.

     

    
      	 	
              DEUTSCHE
                BANK NATIONAL TRUST COMPANY,

              not
                in its individual capacity, but solely as

              Trustee

               

               

              By:
                ______________________________

            
	
              Authenticated:

               

              By:
                ______________________________ 

              Authorized
                Signatory of

               

              DEUTSCHE
                BANK NATIONAL TRUST 

              COMPANY,
                not in its individual capacity,

              but
                solely as Trustee

            	 

    

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

     

    GS
      MORTGAGE SECURITIES CORP.

    GSAA
      Home
      Equity Trust 2007-S1

     

    Mortgage
      Pass-Through Certificates

    

    This
      Certificate is one of a duly authorized issue of Certificates designated as
      GSAA
      Home Equity Trust 2007-S1 Mortgage Pass-Through Certificates, of the Series
      specified on the face hereof (herein collectively called the “Certificates”),
      and representing a beneficial ownership interest in the Trust Fund created
      by
      the Agreement.

     

    The
      Certificateholder, by its acceptance of this Certificate, agrees that it will
      look solely to the assets of the Trust Fund for payment hereunder and that
      the
      Trustee is not liable to the Certificateholders for any amount payable under
      this Certificate or the Agreement or, except as expressly provided in the
      Agreement, subject to any liability under the Agreement.

     

    This
      Certificate does not purport to summarize the Agreement and reference is made
      to
      the Agreement for the interests, rights and limitations of rights, benefits,
      obligations and duties evidenced thereby, and the rights, duties and immunities
      of the Trustee.

     

    Pursuant
      to the terms of the Agreement, a distribution will be made to the Person in
      whose name this Certificate is registered at the close of business on the
      applicable Record Date. The Record Date for each Distribution Date is the last
      Business Day of the applicable Interest Accrual Period for the related
      Distribution Date; provided,
      however,
      that for
      any Definitive Certificates, the Record Date shall be the last Business Day
      of
      the month immediately preceding the month of such Distribution Date (or if
      such
      day is not a Business Day, on the immediately preceding Business
      Day).

     

    Distributions
      on this Certificate shall be made by wire transfer of immediately available
      funds to the account of the Holder hereof at a bank or other entity having
      appropriate facilities therefor, if such Certificateholder shall have so
      notified the Trustee in writing at least five Business Days prior to the related
      Record Date and such Certificateholder shall satisfy the conditions to receive
      such form of payment set forth in the Agreement, or, if not, by check mailed
      by
      first class mail to the address of such Certificateholder appearing in the
      Certificate Register. The final distribution on each Certificate will be made
      in
      like manner, but only upon presentment and surrender of such Certificate at
      the
      offices designated by the Trustee for such purposes.

     

    The
      Agreement permits, with certain exceptions therein provided, the amendment
      thereof and the modification of the rights and obligations of the Trustee and
      the rights of the Certificateholders under the Agreement at any time by the
      Depositor, the Master Servicer, the Servicers, the Trustee and the Certificate
      Insurer with the consent of the Holders of Certificates affected by such
      amendment evidencing the requisite Percentage Interest, as provided in the
      Agreement. Any such consent by the Holder of this Certificate shall be
      conclusive and binding on such Holder and upon all future Holders of this
      Certificate and of any Certificate issued upon the transfer hereof or in
      exchange therefor or in lieu hereof whether or not notation of such consent
      is
      made upon this Certificate. The Agreement also permits the amendment thereof
      by
      the Depositor, the Master Servicer, the Servicers, the Trustee and the
      Certificate Insurer, in certain limited circumstances, without the consent
      of
      the Holders of any of the Certificates.

     

    As
      provided in the Agreement and subject to certain limitations therein set forth,
      the transfer of this Certificate is registrable in the Certificate Register
      of
      the Trustee upon surrender of this Certificate for registration of transfer
      at
      the offices designated by the Trustee for such purposes, accompanied by a
      written instrument of transfer in form satisfactory to the Trustee and the
      Certificate Registrar duly executed by the holder hereof or such holder’s
      attorney duly authorized in writing, and thereupon one or more new Certificates
      of the same Class in authorized denominations and evidencing the same aggregate
      Percentage Interest in the Trust Fund will be issued to the designated
      transferee or transferees.

     

    The
      Certificates are issuable only as registered Certificates without coupons in
      denominations specified in the Agreement. As provided in the Agreement and
      subject to certain limitations therein set forth, Certificates are exchangeable
      for new Certificates of the same Class in authorized denominations and
      evidencing the same aggregate Percentage Interest, as requested by the Holder
      surrendering the same.

     

    No
      service charge will be made for any such registration of transfer or exchange,
      but the Trustee may require payment of a sum sufficient to cover any tax or
      other governmental charge payable in connection therewith.

     

    The
      Depositor, the Master Servicer, the Servicers and the Trustee and any agent
      of
      the Depositor or the Trustee may treat the Person in whose name this Certificate
      is registered as the owner hereof for all purposes, and neither the Depositor,
      the Trustee, nor any such agent shall be affected by any notice to the
      contrary.

     

    On
      any
      Distribution Date on which the aggregate Stated Principal Balance of the
      Mortgage Loans is less than or equal to 10% of the Cut-off Date Pool Principal
      Balance, the Majority Class X Certificateholders, may at their option (with
      the
      prior written consent of the Certificate Insurer, as required under certain
      circumstances described in the Agreement), direct the majority Servicer to
      repurchase, in whole, from the Trust Fund all remaining Mortgage Loans and
      all
      related property acquired in respect of the Mortgage Loans at a purchase price
      determined as provided in the Agreement. The obligations and responsibilities
      created by the Agreement will terminate as provided in Section 10.01 of the
      Agreement.

     

    Any
      term
      used herein that is defined in the Agreement shall have the meaning assigned
      in
      the Agreement, and nothing herein shall be deemed inconsistent with that
      meaning.

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

    ASSIGNMENT

     

    FOR
      VALUE
      RECEIVED, the undersigned hereby sell(s), assign(s) and transfer(s) unto

     

    __________________________________________________

     

    __________________________________________________

     

    __________________________________________________

     

     

     

    (Please
      print or typewrite name and address including postal zip code of
      assignee)

     

    the
      Percentage Interest evidenced by the within Certificate and hereby authorizes
      the transfer of registration of such Percentage Interest to assignee on the
      Certificate Register of the Trust Fund.

     

    I
      (We) further direct the Trustee to issue a new Certificate of a like
      denomination and Class, to the above named assignee and deliver such Certificate
      to the following address:

     

    __________________________________________________

     

    __________________________________________________

     

    __________________________________________________

     

     

    Signature
      by or on behalf of assignor

    

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

    DISTRIBUTION
      INSTRUCTIONS

     

    The
      assignee should include the following for purposes of distribution:

     

    Distributions
      shall be made, by wire transfer or otherwise, in immediately available funds
      to
      ______________________________________________________ for the account of
      _______________________________________ account number _____________, or, if
      mailed by check, to ______________________________________________.

     

    Applicable
      statements should be mailed to _______________________________.

     

    This
      information is provided by __________________________________,

     

    the
      assignee named above, or
      _____________________________________________________,

     

    as
      its
      agent.

     

    

    EXHIBIT
      E-1

     

    FORM
      OF
      INITIAL CERTIFICATION OF TRUSTEE

     

     

    [date]

    [Depositor]

    [Servicer[s]]

    [Master
      Servicer]

    [Certificate
      Insurer]

    _____________________

    _____________________

     

    
      	 	
              Re:

            	
              Pooling
                and Servicing Agreement, dated as of February 1, 2007, among GS Mortgage
                Securities Corp., as depositor, Ocwen Loan Servicing, LLC, as a servicer,
                Avelo Mortgage, L.L.C., as a servicer, Specialized Loan Servicing
                LLC, as
                a servicer, Wells Fargo Bank, National Association, as master servicer,
                U.S. Bank National Association, as a custodian, and Deutsche Bank
                National
                Trust Company, as trustee (the “Trustee”), GSAA Home Equity Trust 2007-S1,
                Series 2007-S1

            

    

     

    Ladies
      and Gentlemen:

     

    In
      accordance with Section 2.02 of the above-captioned Pooling and Servicing
      Agreement (the “Pooling and Servicing Agreement”), the undersigned, as a
      Trustee, for each Mortgage Loan listed in the Mortgage Loan Schedule as to
      which
      the undersigned is identified as Trustee (other than any Mortgage Loan listed
      in
      the attached schedule of exceptions), it has received:

     

    (i) the
      original Mortgage Note, endorsed as provided in the following form: “Pay to the
      order of ________, without recourse”; and

     

    (ii) except
      with respect to each MERS Designated Mortgage Loan, an executed Assignment
      of
      Mortgage (which may be included in a blanket assignment or
      assignments).

     

    Based
      on
      its review and examination and only as to the foregoing documents, such
      documents appear regular on their face and related to such Mortgage
      Loan.

     

    The
      Trustee has made no independent examination of any documents contained in each
      Mortgage File beyond the review specifically required in the Pooling and
      Servicing Agreement. The Trustee makes no representations as to: (i) the
      validity, legality, sufficiency, enforceability, recordability or genuineness
      of
      any of the documents contained in each Mortgage File of any of the Mortgage
      Loans identified on the Mortgage Loan Schedule, or (ii) the collectability,
      insurability, effectiveness or suitability of any such Mortgage Loan or the
      perfection or priority of any Mortgage. Notwithstanding anything herein to
      the
      contrary, the Trustee has made no determination and makes no representations
      as
      to whether (i) any endorsement is sufficient to transfer all right, title
      and interest of the party so endorsing, as Noteholder or assignee thereof,
      in
      and to that Mortgage Note or (ii) any assignment is in recordable form or
      sufficient to effect the assignment of and transfer to the assignee thereof,
      under the Mortgage to which the assignment relates.

     

    [Signature
      Page Follows]

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

    Capitalized
      words and phrases used herein shall have the respective meanings assigned to
      them in the Pooling and Servicing Agreement.

     

    
      	 	
              DEUTSCHE
                BANK NATIONAL TRUST COMPANY,

              as
                Trustee

               

              By:
                _______________________________

              Name:

              Title:

            

    

    
    

     

    EXHIBIT
      E-2

     

    FORM
      OF
      INITIAL CERTIFICATION OF CUSTODIAN

     

     

    [date]

    [Depositor]

    [Servicer[s]]

    [Master
      Servicer]

    [Trustee]

    [Certificate
      Insurer]

    _____________________

    _____________________

     

    
      	 	
              Re:

            	
              Pooling
                and Servicing Agreement, dated as of February 1, 2007, among GS Mortgage
                Securities Corp., as depositor, Ocwen Loan Servicing, LLC, as a servicer,
                Avelo Mortgage, L.L.C., as a servicer, Specialized Loan Servicing
                LLC, as
                a servicer, Wells Fargo Bank, National Association, as master servicer,
                U.S. Bank National Association, as a custodian (the “Custodian”), and
                Deutsche Bank National Trust Company, as trustee, GSAA Home Equity
                Trust
                2007-S1, Series 2007-S1

            

    

     

    Ladies
      and Gentlemen:

     

    In
      accordance with Section 2.02 of the above-captioned Pooling and Servicing
      Agreement (the “Pooling and Servicing Agreement”), the undersigned, as a
      Custodian, for each Mortgage Loan listed in the Mortgage Loan Schedule as to
      which the undersigned is identified as Custodian (other than any Mortgage Loan
      listed in the attached schedule of exceptions), it has received:

     

    (i) the
      original Mortgage Note, endorsed as provided in the following form: “Pay to the
      order of ________, without recourse”; and

     

    (ii) except
      with respect to each MERS Designated Mortgage Loan, an executed Assignment
      of
      Mortgage (which may be included in a blanket assignment or
      assignments).

     

    Based
      on
      its review and examination and only as to the foregoing documents, such
      documents appear regular on their face and related to such Mortgage
      Loan.

     

    The
      Custodian has made no independent examination of any documents contained in
      each
      Mortgage File beyond the review specifically required in the Pooling and
      Servicing Agreement. The Custodian makes no representations as to: (i) the
      validity, legality, sufficiency, enforceability, recordability or genuineness
      of
      any of the documents contained in each Mortgage File of any of the Mortgage
      Loans identified on the Mortgage Loan Schedule, or (ii) the collectability,
      insurability, effectiveness or suitability of any such Mortgage Loan or the
      perfection or priority of any Mortgage. Notwithstanding anything herein to
      the
      contrary, the Custodian has made no determination and makes no representations
      as to whether (i) any endorsement is sufficient to transfer all right,
      title and interest of the party so endorsing, as Noteholder or assignee thereof,
      in and to that Mortgage Note or (ii) any assignment is in recordable form or
      sufficient to effect the assignment of and transfer to the assignee thereof,
      under the Mortgage to which the assignment relates.

     

    [Signature
      Page Follows]

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

    Capitalized
      words and phrases used herein shall have the respective meanings assigned to
      them in the Pooling and Servicing Agreement.

    
       

      
        	 	
                
                  U.S.
                    BANK NATIONAL ASSOCIATION,

                  as
                    Custodian

                   

                   

                  By:
                    _______________________________

                  Name:

                  Title:

                

              

      

      
      

      
 

    

    EXHIBIT
      F-1

     

    FORM
      OF
      DOCUMENT CERTIFICATION

    AND
      EXCEPTION REPORT OF TRUSTEE

     

     

    [date]

    [Depositor]

    [Servicer[s]]

    [Master
      Servicer]

    [Certificate
      Insurer]

    _____________________

    _____________________

     

     

    
      	 	
              Re:

            	
              Pooling
                and Servicing Agreement, dated as of February 1, 2007, among GS Mortgage
                Securities Corp., as depositor, Ocwen Loan Servicing, LLC, as a servicer,
                Avelo Mortgage, L.L.C., as a servicer, Specialized Loan Servicing
                LLC, as
                a servicer, Wells Fargo Bank, National Association, as master servicer,
                U.S. Bank National Association, as a custodian, and Deutsche Bank
                National
                Trust Company, as trustee (the “Trustee”), GSAA Home Equity Trust 2007-S1,
                Series 2007-S1

            

    

     

    Ladies
      and Gentlemen:

     

    In
      accordance with Section 2.02 of the above-captioned Pooling and Servicing
      Agreement (the “Pooling
      and Servicing Agreement”),
      the
      undersigned, as a Trustee, hereby certifies that as to each Mortgage Loan listed
      in the Mortgage Loan Schedule (other than any Mortgage Loan paid in full or
      listed on the attached Document Exception Report) it has received:

     

    (i) The
      original Mortgage Note, endorsed in the form provided in Section 2.01 of the
      Pooling and Servicing Agreement, with all intervening endorsements showing
      a
      complete chain of endorsement from the originator to the last
      endorsee.

     

    (ii) The
      original recorded Mortgage.

     

    (iii) Except
      with respect to each MERS Designated Mortgage Loan, an executed Assignment
      of
      Mortgage in the form provided in Section 2.01 of the Pooling and Servicing
      Agreement; or, if the applicable Original Loan Seller or the Sponsor, as
      applicable, has certified or the Trustee has actual knowledge that the related
      Mortgage has not been returned from the applicable recording office, a copy
      of
      the Assignment of Mortgage (excluding information to be provided by the
      recording office).

     

    (iv) Except
      with respect to each MERS Designated Mortgage Loan, the original or duplicate
      original recorded assignment or assignments of the Mortgage showing a complete
      chain of assignment from the originator to the last endorsee.

     

    (v) The
      original or copy of lender’s title policy or any one of an original title
      binder, an original preliminary title report or an original title
      commitment.

     

    Based
      on
      its review and examination and only as to the foregoing documents, (a) such
      documents appear regular on their face and related to such Mortgage Loan, and
      (b) the information set forth in items (1), (2), (3) and (13) of the Mortgage
      Loan Schedule and items (1), (2), (3) and (13) of the Data Tape Information
      accurately reflects information set forth in the Custodial File.

     

    The
      Trustee has made no independent examination of any documents contained in each
      Mortgage File beyond the review of the Custodial File specifically required
      in
      the Pooling and Servicing Agreement. The Trustee makes no representations as
      to:
      (i) the validity, legality, sufficiency, enforceability, recordability or
      genuineness of any of the documents contained in each Mortgage File of any
      of
      the Mortgage Loans identified on the Mortgage Loan Schedule or (ii) the
      collectability, insurability, effectiveness or suitability of any such Mortgage
      Loan or the perfection or priority of any Mortgage. Notwithstanding anything
      herein to the contrary, the Trustee has made no determination and makes no
      representations as to whether (i) any endorsement is sufficient to transfer
      all right, title and interest of the party so endorsing, as Noteholder or
      assignee thereof, in and to that Mortgage Note or (ii) any assignment is in
      recordable form or sufficient to effect the assignment of and transfer to the
      assignee thereof, under the Mortgage to which the assignment
      relates.

     

    [Signature
      Page Follows]

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

    Capitalized
      words and phrases used herein shall have the respective meanings assigned to
      them in the Pooling and Servicing Agreement.

     

    
      	 	
              DEUTSCHE
                BANK NATIONAL TRUST COMPANY,

              as
                Trustee

               

              By:______________________________________

              Name:

              Title:

            

    

     

    
      
 

    

    EXHIBIT
      F-2

     

    FORM
      OF
      DOCUMENT CERTIFICATION

    AND
      EXCEPTION REPORT OF CUSTODIAN

     

     

    [date]

    [Depositor]

    [Servicer[s]]

    [Master
      Servicer]

    [Trustee]

    [Certificate
      Insurer]

    _____________________

    _____________________

     

    
      	 	
              Re:

            	
              Pooling
                and Servicing Agreement, dated as of February 1, 2007, among GS Mortgage
                Securities Corp., as depositor, Ocwen Loan Servicing, LLC, as a servicer,
                Avelo Mortgage, L.L.C., as a servicer, Specialized Loan Servicing
                LLC, as
                a servicer, Wells Fargo Bank, National Association, as master servicer,
                U.S. Bank National Association, as a custodian (the “Custodian”),
                and Deutsche Bank National Trust Company, as trustee, GSAA Home Equity
                Trust 2007-S1, Series 2007-S1

            

    

     

    Ladies
      and Gentlemen:

     

    In
      accordance with Section 2.02 of the above-captioned Pooling and Servicing
      Agreement (the “Pooling
      and Servicing Agreement”),
      the
      undersigned, as a Custodian, hereby certifies that as to each Mortgage Loan
      listed in the Mortgage Loan Schedule (other than any Mortgage Loan paid in
      full
      or listed on the attached Document Exception Report) it has
      received:

     

    (i) The
      original Mortgage Note, endorsed in the form provided in Section 2.01 of the
      Pooling and Servicing Agreement, with all intervening endorsements showing
      a
      complete chain of endorsement from the originator to the last
      endorsee.

     

    (ii) The
      original recorded Mortgage.

     

    (iii) Except
      with respect to each MERS Designated Mortgage Loan, an executed Assignment
      of
      Mortgage in the form provided in Section 2.01 of the Pooling and Servicing
      Agreement; or, if the applicable Original Loan Seller or the Sponsor, as
      applicable, has certified or the Custodian has actual knowledge that the related
      Mortgage has not been returned from the applicable recording office, a copy
      of
      the Assignment of Mortgage (excluding information to be provided by the
      recording office).

     

    (iv) Except
      with respect to each MERS Designated Mortgage Loan, the original or duplicate
      original recorded assignment or assignments of the Mortgage showing a complete
      chain of assignment from the originator to the last endorsee.

     

    (v) The
      original or copy of lender’s title policy or any one of an original title
      binder, an original preliminary title report or an original title
      commitment.

     

    Based
      on
      its review and examination and only as to the foregoing documents, (a) such
      documents appear regular on their face and related to such Mortgage Loan, and
      (b) the information set forth in items (1), (2), (3) and (13) of the Mortgage
      Loan Schedule and items (1), (2), (3) and (13) of the Data Tape Information
      accurately reflects information set forth in the Custodial File.

     

    The
      Custodian has made no independent examination of any documents contained in
      each
      Mortgage File beyond the review of the Custodial File specifically required
      in
      the Pooling and Servicing Agreement. The Custodian makes no representations
      as
      to: (i) the validity, legality, sufficiency, enforceability, recordability
      or
      genuineness of any of the documents contained in each Mortgage File of any
      of
      the Mortgage Loans identified on the Mortgage Loan Schedule or (ii) the
      collectability, insurability, effectiveness or suitability of any such Mortgage
      Loan or the perfection or priority of any Mortgage. Notwithstanding anything
      herein to the contrary, the Custodian has made no determination and makes no
      representations as to whether (i) any endorsement is sufficient to transfer
      all
      right, title and interest of the party so endorsing, as Noteholder or assignee
      thereof, in and to that Mortgage Note or (ii) any assignment is in recordable
      form or sufficient to effect the assignment of and transfer to the assignee
      thereof, under the Mortgage to which the assignment relates.

     

    [Signature
      Page Follows]

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

    Capitalized
      words and phrases used herein shall have the respective meanings assigned to
      them in the Pooling and Servicing Agreement.

     

    
      	 	
              
                U.S.
                  BANK NATIONAL ASSOCIATION,

                as
                  Custodian

              

               

              By:______________________________________

              Name:

              Title:

            

    

    
    

    
      
 

    

    EXHIBIT
      G

     

    FORM
      OF
      RESIDUAL TRANSFER AFFIDAVIT

     

    GSAA
      HOME
      EQUITY TRUST 2007-S1,

    MORTGAGE
      PASS-THROUGH CERTIFICATES

     

     

    
      	STATE OF	)
	 	
              ) ss.:

            
	COUNTY OF	)

    

     

    The
      undersigned, being first duly sworn, deposes and says as follows:

     

    1. The
      undersigned is an officer of ___________________, the proposed Transferee of
      an
      Ownership Interest in a Residual Certificate (the “Certificate”)
      issued
      pursuant to the Pooling and Servicing Agreement dated as of February 1, 2007
      (the “Agreement”),
      among
      GS Mortgage Securities Corp., as depositor (the “Depositor”),
      Ocwen
      Loan Servicing, LLC, as a servicer (“Ocwen”),
      Avelo
      Mortgage, L.L.C., as a servicer (“Avelo”),
      Specialized Loan Servicing LLC, as a servicer (“SLS”
and
      collectively with Ocwen and Avelo, the “Servicers”),
      Wells
      Fargo Bank, National Association, as master servicer (the “Master
      Servicer”),
      U.S.
      Bank National Association, as a custodian, and Deutsche Bank National Trust
      Company, as trustee (the “Trustee”).
      Capitalized terms used, but not defined herein, shall have the meanings ascribed
      to such terms in the Agreement. The Transferee has authorized the undersigned
      to
      make this affidavit on behalf of the Transferee for the benefit of the Depositor
      and the Trustee.

     

    2. The
      Transferee is, as of the date hereof, and will be, as of the date of the
      Transfer, a Permitted Transferee. The Transferee is acquiring its Ownership
      Interest in the Certificate for its own account. The Transferee has no knowledge
      that any such affidavit is false.

     

    3. The
      Transferee has been advised of, and understands that (i) a tax will be imposed
      on Transfers of the Certificate to Persons that are not Permitted Transferees;
      (ii) such tax will be imposed on the transferor, or, if such Transfer is
      through an agent (which includes a broker, nominee or middleman) for a Person
      that is not a Permitted Transferee, on the agent; and (iii) the Person
      otherwise liable for the tax shall be relieved of liability for the tax if
      the
      subsequent Transferee furnished to such Person an affidavit that such subsequent
      Transferee is a Permitted Transferee and, at the time of Transfer, such Person
      does not have actual knowledge that the affidavit is false.

     

    4. The
      Transferee has been advised of, and understands that a tax will be imposed
      on a
“pass-through entity” holding the Certificate if at any time during the taxable
      year of the pass-through entity a Person that is not a Permitted Transferee
      is
      the record holder of an interest in such entity. The Transferee understands
      that
      such tax will not be imposed for any period with respect to which the record
      holder furnishes to the pass-through entity an affidavit that such record holder
      is a Permitted Transferee and the pass-through entity does not have actual
      knowledge that such affidavit is false. (For this purpose, a “pass-through
      entity” includes a regulated investment company, a real estate investment trust
      or common trust fund, a partnership, trust or estate, and certain cooperatives
      and, except as may be provided in Treasury Regulations, persons holding
      interests in pass-through entities as a nominee for another
      Person.)

     

    5. The
      Transferee has reviewed the provisions of Section 5.02(c) of the Agreement
      and
      understands the legal consequences of the acquisition of an Ownership Interest
      in the Certificate including, without limitation, the restrictions on subsequent
      Transfers and the provisions regarding voiding the Transfer and mandatory sales.
      The Transferee expressly agrees to be bound by and to abide by the provisions
      of
      Section 5.02(c) of the Agreement and the restrictions noted on the face of
      the
      Certificate. The Transferee understands and agrees that any breach of any of
      the
      representations included herein shall render the Transfer to the Transferee
      contemplated hereby null and void.

     

    6. The
      Transferee agrees to require a Transfer Affidavit from any Person to whom the
      Transferee attempts to Transfer its Ownership Interest in the Certificate,
      and
      in connection with any Transfer by a Person for whom the Transferee is acting
      as
      nominee, trustee or agent, and the Transferee will not Transfer its Ownership
      Interest or cause any Ownership Interest to be Transferred to any Person that
      the Transferee knows is not a Permitted Transferee. In connection with any
      such
      Transfer by the Transferee, the Transferee agrees to deliver to the Trustee
      a
      certificate substantially in the form set forth as Exhibit H to the Agreement
      (a
“Transferor
      Certificate”)
      to the
      effect that such Transferee has no actual knowledge that the Person to which
      the
      Transfer is to be made is not a Permitted Transferee.

     

    7. The
      Transferee has historically paid its debts as they have come due, intends to
      pay
      its debts as they come due in the future, and understands that the taxes payable
      with respect to the Certificate may exceed the cash flow with respect thereto
      in
      some or all periods and intends to pay such taxes as they become due. The
      Transferee does not have the intention to impede the assessment or collection
      of
      any tax legally required to be paid with respect to the
      Certificate.

     

    8. The
      Transferee’s taxpayer identification number is __________.

     

    9. The
      Transferee is a U.S. Person as defined in Code
      Section 7701(a)(30).

     

    10. The
      Transferee is aware that the Certificate may be a “noneconomic residual
      interest” within the meaning of proposed Treasury regulations promulgated
      pursuant to the Code and that the transferor of a noneconomic residual interest
      will remain liable for any taxes due with respect to the income on such residual
      interest, unless no significant purpose of the transfer was to impede the
      assessment or collection of tax.

     

    11. The
      Transferee will not cause income from the Certificate to be attributable to
      a
      foreign permanent establishment or fixed base, within the meaning of an
      applicable income tax treaty, of the Transferee or any other U.S.
      person.

     

    12. Check
      one
      of the following:

     

    o  
The
      present
      value of the anticipated tax liabilities associated with holding the
      Certificate, as applicable, does not exceed the sum of:

     

    (i) the
      present value of any consideration given to the Transferee to acquire such
      Certificate;

     

    (ii) the
      present value of the expected future distributions on such Certificate;
      and

     

    (iii) the
      present value of the anticipated tax savings associated with holding such
      Certificate as the related REMIC generates losses.

     

    For
      purposes of this calculation, (i) the Transferee is assumed to pay tax at
      the highest rate currently specified in Section 11(b) of the Code (but the
      tax rate in Section 55(b)(1)(B) of the Code may be used in lieu of the
      highest rate specified in Section 11(b) of the Code if the Transferee has
      been subject to the alternative minimum tax under Section 55 of the Code in
      the preceding two years and will compute its taxable income in the current
      taxable year using the alternative minimum tax rate) and (ii) present
      values are computed using a discount rate equal to the short-term Federal rate
      prescribed by Section 1274(d) of the Code for the month of the transfer and
      the compounding period used by the Transferee.

     

    o  
The
      transfer of the
      Certificate complies with U.S. Treasury Regulations Sections 1.860E-1(c)(5)
      and
      (6) and, accordingly,

     

    (iv) the
      Transferee is an “eligible corporation,” as defined in U.S. Treasury Regulations
      Section 1.860E-1(c)(6)(i), as to which income from the Certificate will
      only be taxed in the United States;

     

    (v) at
      the
      time of the transfer, and at the close of the Transferee’s two fiscal years
      preceding the year of the transfer, the Transferee had gross assets for
      financial reporting purposes (excluding any obligation of a person related
      to
      the Transferee within the meaning of U.S. Treasury Regulations
      Section 1.860E-1(c)(6)(ii)) in excess of $100 million and net assets in
      excess of $10 million;

     

    (vi) the
      Transferee will transfer the Certificate only to another “eligible corporation,”
as defined in U.S. Treasury Regulations Section 1.860E-1(c)(6)(i), in a
      transaction that satisfies the requirements of Sections 1.860E-1(c)(4)(i),
      (ii)
      and (iii) and Section 1.860E-1(c)(5) of the U.S. Treasury Regulations;
      and

     

    (vii) the
      Transferee determined the consideration paid to it to acquire the Certificate
      based on reasonable market assumptions (including, but not limited to, borrowing
      and investment rates, prepayment and loss assumptions, expense and reinvestment
      assumptions, tax rates and other factors specific to the Transferee) that it
      has
      determined in good faith.

     

    o  
None
      of the
      above.

     

    13. The
      Transferee is not an employee benefit plan that is subject to Title I of ERISA
      or a plan or arrangement that is subject to Section 4975 of the Code or a
      plan subject to any Federal, state or local law that is substantially similar
      to
      Title I of ERISA or Section 4975 of the Code, and the Transferee is not
      acting on behalf of or investing plan assets of such a plan.

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

    IN
      WITNESS WHEREOF, the Transferee has caused this instrument to be executed on
      its
      behalf, pursuant to authority of its Board of Directors, by its duly authorized
      officer and its corporate seal to be hereunto affixed, duly attested, this
      __
      day of ________, 20__.

     

     

    
      	 	
              __________________________________

              Print
                Name of Transferor

               

               

              By:
                _______________________________ 

              Name:

              Title:

            

    

     

     

    [Corporate
      Seal]

     

    ATTEST:

     

     

    [Assistant]
      Secretary

     

    Personally
      appeared before me the above-named __________, known or proved to me to be
      the
      same person who executed the foregoing instrument and to be the ___________
      of
      the Transferee, and acknowledged that he executed the same as his free act
      and
      deed and the free act and deed of the Transferee.

     

    Subscribed
      and sworn before me this __ day of ________, 20__.

     

    
       

      
        	 	
                
                  __________________________________________

                  NOTARY
                    PUBLIC

                   

                   

                  My
                    Commission expires the __ day

                  of
                    _________, 20__

                

              

      

       

      
 

    

    EXHIBIT
      H

     

    FORM
      OF
      TRANSFEROR CERTIFICATE

     

     

    __________, 20__

     

    GS
      Mortgage Securities Corp.

    85
      Broad
      Street

    New
      York,
      New York 10004

    Attention:

     

    DB
      Services Tennessee

    648
      Grassmere Park Road

    Nashville,
      Tennessee 37211-3658

    Attention:
      Transfer Unit

     

    
      	 	
              Re:

            	
              GSAA
                Home Equity Trust 2007-S1, Mortgage Pass-Through Certificates, Class
                [___]

            

    

     

     

    Ladies
      and Gentlemen:

     

    In
      connection with our disposition of the above Certificates we certify that (a)
      we
      understand that the Certificates have not been registered under the Securities
      Act of 1933, as amended (the “Act”),
      and
      are being disposed by us in a transaction that is exempt from the registration
      requirements of the Act, (b) we have not offered or sold any Certificates to,
      or
      solicited offers to buy any Certificates from, any person, or otherwise
      approached or negotiated with any person with respect thereto, in a manner
      that
      would be deemed, or taken any other action which would result in, a violation
      of
      Section 5 of the Act and (c) to the extent we are disposing of a Residual
      Certificate, (A) we have no knowledge the Transferee is not a Permitted
      Transferee and (B) after conducting a reasonable investigation of the
      financial condition of the Transferee, we have no knowledge and no reason to
      believe that the Transferee will not pay all taxes with respect to the Residual
      Certificates as they become due and (C) we have no reason to believe that the
      statements made in paragraphs 7, 10 and 11 of the Transferee’s Residual Transfer
      Affidavit are false.

     

    
       

      
        	 	
                __________________________________

                Print
                  Name of Transferor

                 

                 

                By:
                  _______________________________ 

                Authorized
                  Officer

              

      

       

    

    EXHIBIT
      I-1

     

    FORM
      OF
      RULE 144A LETTER

     

     

    ____________,
      20__

     

    GS
      Mortgage Securities Corp.

    85
      Broad
      Street

    New
      York,
      New York 10004

    Attention:

     

    DB
      Services Tennessee

    648
      Grassmere Park Road

    Nashville,
      Tennessee 37211-3658

    Attention:
      Transfer Unit

     

    
      	 	
              Re:

            	
              GSAA
                Home Equity Trust 2007-S1, Mortgage Pass-Through Certificates, Class
                [___]

            

    

     

    Ladies
      and Gentlemen:

     

    In
      connection with our acquisition of the above Certificates we certify that (a)
      we
      understand that the Certificates are not being registered under the Securities
      Act of 1933, as amended (the “Act”),
      or
      any state securities laws and are being transferred to us in a transaction
      that
      is exempt from the registration requirements of the Act and any such laws,
      (b)
      we have such knowledge and experience in financial and business matters that
      we
      are capable of evaluating the merits and risks of investments in the
      Certificates, (c) we have had the opportunity to ask questions of and
      receive answers from the Depositor concerning the purchase of the Certificates
      and all matters relating thereto or any additional information deemed necessary
      to our decision to purchase the Certificates, (d) either (i) we are not an
      employee benefit plan that is subject to Title I of the Employee Retirement
      Income Security Act of 1974, as amended (“ERISA”),
      or a
      plan or arrangement that is subject to Section 4975 of the Internal Revenue
      Code
      of 1986, as amended (the “Code”),
      or a
      plan subject to any Federal, state or local law materially similar to the
      foregoing provisions of ERISA or the Code, nor are we acting on behalf of any
      such plan or arrangement nor using the assets of any such plan or arrangement
      to
      effect such acquisition, or, (ii) with respect to a Class P Certificate or
      Class
      X Certificate, (A) we are an insurance company that is purchasing this
      Certificate with funds contained in an “insurance company general account” (as
      such term is defined in Section V(e) of Prohibited Transaction Class Exemption
      95-60 (“PTCE
      95-60”))
      and
      (I) if the transfer occurs prior to the termination of the Supplemental Interest
      Trust, the acquisition and holding of such Certificate is eligible for exemptive
      relief available under PTCE 95-60 and (II) if the transfer occurs after the
      termination of the Supplemental Interest Trust, the conditions under Sections
      I
      and III of PTCE 95-60 have been met or (B) with respect to such Certificate,
      we
      have provided the Opinion of Counsel required in Section 5.02 of the Pooling
      and
      Servicing Agreement, (e) we have not, nor has anyone acting on our behalf
      offered, transferred, pledged, sold or otherwise disposed of the Certificates,
      any interest in the Certificates or any other similar security to, or solicited
      any offer to buy or accept a transfer, pledge or other disposition of the
      Certificates, any interest in the Certificates or any other similar security
      from, or otherwise approached or negotiated with respect to the Certificates,
      any interest in the Certificates or any other similar security with, any person
      in any manner, or made any general solicitation by means of general advertising
      or in any other manner, or taken any other action, that would constitute a
      distribution of the Certificates under the Securities Act or that would render
      the disposition of the Certificates a violation of Section 5 of the Securities
      Act or require registration pursuant thereto, nor will act, nor has authorized
      or will authorize any person to act, in such manner with respect to the
      Certificates, and (f) we are a “qualified institutional buyer” as that term
      is defined in Rule 144A under the Securities Act and have completed either
      of
      the forms of certification to that effect attached hereto as Annex 1 or
      Annex 2. We are aware that the sale to us is being made in reliance on
      Rule 144A. We are acquiring the Certificates for our own account or for
      resale pursuant to Rule 144A and further, we understand that such
      Certificates may be resold, pledged or transferred only (i) to a person
      reasonably believed to be a qualified institutional buyer that purchases for
      its
      own account or for the account of a qualified institutional buyer to whom notice
      is given that the resale, pledge or transfer is being made in reliance on Rule
      144A, or (ii) pursuant to another exemption from registration under the
      Securities Act.

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

    ANNEX
      1 TO EXHIBIT I-1

     

    QUALIFIED
      INSTITUTIONAL BUYER STATUS UNDER SEC RULE 144A

     

     

    [For
      Transferees Other Than Registered Investment Companies]

    

    The
      undersigned (the “Buyer”) hereby certifies as follows to the parties listed in
      the Rule 144A Transferee Certificate to which this certification relates
      with respect to the Certificates described therein:

     

    1. As
      indicated below, the undersigned is the President, Chief Financial Officer,
      Senior Vice President or other executive officer of the Buyer.

     

    2. In
      connection with purchases by the Buyer, the Buyer is a “qualified institutional
      buyer” as that term is defined in Rule 144A under the Securities Act of
      1933, as amended (“Rule 144A”), because (i) the Buyer owned and/or
      invested on a discretionary basis
      $            1 
      in
      securities (except for the excluded securities referred to below) as of the
      end
      of the Buyer’s most recent fiscal year (such amount being calculated in
      accordance with Rule 144A and (ii) the Buyer satisfies the criteria in
      the category marked below.

     

    ____ Corporation,
      etc. The Buyer is a corporation (other than a bank, savings and loan association
      or similar institution), Massachusetts or similar business trust, partnership,
      or charitable organization described in Section 501(c)(3) of the Internal
      Revenue Code of 1986, as amended.

     

    ____ Bank.
      The
      Buyer (a) is a national bank or banking institution organized under the
      laws of any State, territory or the District of Columbia, the business of which
      is substantially confined to banking and is supervised by the State or
      territorial banking commission or similar official or is a foreign bank or
      equivalent institution, and (b) has an audited net worth of at least
      $25,000,000 as demonstrated in its latest annual financial statements, a copy
      of
      which is attached hereto.

     

    ____ Savings
      and Loan. The Buyer (a) is a savings and loan association, building and
      loan association, cooperative bank, homestead association or similar
      institution, which is supervised and examined by a State or Federal authority
      having supervision over any such institutions or is a foreign savings and loan
      association or equivalent institution and (b) has an audited net worth of
      at least $25,000,000 as demonstrated in its latest annual financial statements,
      a copy of which is attached hereto.

     

    ____ Broker-dealer.
      The Buyer is a dealer registered pursuant to Section 15 of the Securities
      Exchange Act of 1934.

     

    ____ Insurance
      Company. The Buyer is an insurance company whose primary and predominant
      business activity is the writing of insurance or the reinsuring of risks
      underwritten by insurance companies and which is subject to supervision by
      the
      insurance commissioner or a similar official or agency of a State, territory
      or
      the District of Columbia.

     

    ____ State
      or
      Local Plan.
      The
      Buyer is a plan established and maintained by a State, its political
      subdivisions, or any agency or instrumentality of the State or its political
      subdivisions, for the benefit of its employees.

     

    ____ ERISA
      Plan.
      The
      Buyer is an employee benefit plan within the meaning of Title I of the
      Employee Retirement Income Security Act of 1974, as amended.

     

    ____ Investment
      Advisor. The Buyer is an investment advisor registered under the Investment
      Advisors Act of 1940.

     

    ____ Small
      Business Investment Company. Buyer is a small business investment company
      licensed by the U.S. Small Business Administration under Section 301(c) or
      (d) of the Small Business Investment Act of 1958.

     

    ____ Business
      Development Company. Buyer is a business development company as defined in
      Section 202(a)(22) of the Investment Advisors Act of 1940.

     

    3. The
      term
“securities” as used herein does not include (i) securities of issuers that
      are affiliated with the Buyer, (ii) securities that are part of an unsold
      allotment to or subscription by the Buyer, if the Buyer is a dealer,
      (iii) securities issued or guaranteed by the U.S. or any instrumentality
      thereof, (iv) bank deposit notes and certificates of deposit, (v) loan
      participations, (vi) repurchase agreements, (vii) securities owned but
      subject to a repurchase agreement and (viii) currency, interest rate and
      commodity swaps.

     

    4. For
      purposes of determining the aggregate amount of securities owned and/or invested
      on a discretionary basis by the Buyer, the Buyer used the cost of such
      securities to the Buyer and did not include any of the securities referred
      to in
      the preceding paragraph, except (i) where the Buyer reports its securities
      holdings in its financial statements on the basis of their market value, and
      (ii) no current information with respect to the cost of those securities
      has been published. If clause (ii) in the preceding sentence applies, the
      securities may be valued at market. Further, in determining such aggregate
      amount, the Buyer may have included securities owned by subsidiaries of the
      Buyer, but only if such subsidiaries are consolidated with the Buyer in its
      financial statements prepared in accordance with generally accepted accounting
      principles and if the investments of such subsidiaries are managed under the
      Buyer’s direction. However, such securities were not included if the Buyer is a
      majority-owned, consolidated subsidiary of another enterprise and the Buyer
      is
      not itself a reporting company under the Securities Exchange Act of 1934, as
      amended.

     

    5. The
      Buyer
      acknowledges that it is familiar with Rule 144A and understands that the
      seller to it and other parties related to the Certificates are relying and
      will
      continue to rely on the statements made herein because one or more sales to
      the
      Buyer may be in reliance on Rule 144A.

     

    6. Until
      the
      date of purchase of the Rule 144A Securities, the Buyer will notify each of
      the parties to which this certification is made of any changes in the
      information and conclusions herein. Until such notice is given, the Buyer’s
      purchase of the Certificates will constitute a reaffirmation of this
      certification as of the date of such purchase. In addition, if the Buyer is
      a
      bank or savings and loan is provided above, the Buyer agrees that it will
      furnish to such parties updated annual financial statements promptly after
      they
      become available.

     

    
      	 	
              __________________________________

              Print
                Name of Transferor

               

               

              By:
                _______________________________ 

              Name:

              Title:

            

    

     

    

      
1 Buyer
      must own and/or invest on a discretionary basis at least $100,000,000 in
      securities unless Buyer is a dealer, and, in that case, Buyer must own and/or
      invest on a discretionary basis at least $10,000,000 in
      securities.

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

     

    ANNEX 2
      TO EXHIBIT I-1

     

    QUALIFIED
      INSTITUTIONAL BUYER STATUS UNDER SEC RULE 144A

     

    [For
      Transferees That are Registered Investment Companies]

    

    The
      undersigned (the “Buyer”)
      hereby
      certifies as follows to the parties listed in the Rule 144A Transferee
      Certificate to which this certification relates with respect to the Certificates
      described therein:

     

    1. As
      indicated below, the undersigned is the President, Chief Financial Officer
      or
      Senior Vice President of the Buyer or, if the Buyer is a “qualified
      institutional buyer” as that term is defined in Rule 144A under the
      Securities Act of 1933, as amended (“Rule 144A”), because Buyer is part of
      a Family of Investment Companies (as defined below), is such an officer of
      the
      Adviser.

     

    2. In
      connection with purchases by Buyer, the Buyer is a “qualified institutional
      buyer” as defined in SEC Rule 144A because (i) the Buyer is an
      investment company registered under the Investment Company Act of 1940, as
      amended and (ii) as marked below, the Buyer alone, or the Buyer’s Family of
      Investment Companies, owned at least $100,000,000 in securities (other than
      the
      excluded securities referred to below) as of the end of the Buyer’s most recent
      fiscal year. For purposes of determining the amount of securities owned by
      the
      Buyer or the Buyer’s Family of Investment Companies, the cost of such securities
      was used, except (i) where the Buyer or the Buyer’s Family of Investment
      Companies reports its securities holdings in its financial statements on the
      basis of their market value, and (ii) no current information with respect
      to the cost of those securities has been published. If clause (ii) in the
      preceding sentence applies, the securities may be valued at market.

     

    ____ The
      Buyer
      owned $            
in securities (other than the excluded securities referred to below) as of
      the
      end of the Buyer’s most recent fiscal year (such amount being calculated in
      accordance with Rule 144A).

     

    ____ The
      Buyer
      is part of a Family of Investment Companies which owned in the aggregate
      $          in securities (other
      than the excluded securities referred to below) as of the end of the Buyer’s
      most recent fiscal year (such amount being calculated in accordance with
      Rule 144A).

     

    3. The
      term
“Family of Investment Companies” as used herein means two or more registered
      investment companies (or series thereof) that have the same investment adviser
      or investment advisers that are affiliated (by virtue of being majority owned
      subsidiaries of the same parent or because one investment adviser is a majority
      owned subsidiary of the other).

     

    4. The
      term
“securities” as used herein does not include (i) securities of issuers that
      are affiliated with the Buyer or are part of the Buyer’s Family of Investment
      Companies, (ii) securities issued or guaranteed by the U.S. or any
      instrumentality thereof, (iii) bank deposit notes and certificates of
      deposit, (iv) loan participations, (v) repurchase agreements,
      (vi) securities owned but subject to a repurchase agreement and
      (vii) currency, interest rate and commodity swaps.

     

    5. The
      Buyer
      is familiar with Rule 144A and understands that the parties listed in the
      Rule 144A Transferee Certificate to which this certification relates are
      relying and will continue to rely on the statements made herein because one
      or
      more sales to the Buyer will be in reliance on Rule 144A. In addition, the
      Buyer will only purchase for the Buyer’s own account.

     

    6. Until
      the
      date of purchase of the Certificates, the undersigned will notify the parties
      listed in the Rule 144A Transferee Certificate to which this certification
      relates of any changes in the information and conclusions herein. Until such
      notice is given, the Buyer’s purchase of the Certificates will constitute a
      reaffirmation of this certification by the undersigned as of the date of such
      purchase.

     

    
      	 	
              
                __________________________________

                Print
                  Name of Transferor

                 

                 

                By:
                  _______________________________ 

                Name:

                Title:

                 

                 

                IF
                  AN ADVISER:

                 

                __________________________________

                Print
                  Name of Buyer

                Date:

              

            

    

     

    

    EXHIBIT
      I-2

     

    FORM
      OF
      INVESTMENT LETTER (NON RULE 144A)

     

    _____________________

    Date

     

    GS
      Mortgage Securities Corp.

    85
      Broad
      Street

    New
      York,
      New York 10004

     

    Attention:

     

    DB
      Services Tennessee

    648
      Grassmere Park Road

    Nashville,
      Tennessee 37211-3658

    Attention:
      Transfer Unit

     

    
      	 	
              Re:

            	
              GSAA
                Home Equity Trust 2007-S1, Mortgage Pass Through
                Certificates,

              Series
                2007-S1, Class
                [__]

            

    

     

    Ladies
      and Gentlemen:

     

    In
      connection with our acquisition of the above Certificates we certify that (a)
      we
      understand that the Certificates are not being registered under the Securities
      Act of 1933, as amended (the “Act”),
      or
      any state securities laws and are being transferred to us in a transaction
      that
      is exempt from the registration requirements of the Act and any such laws,
      (b)
      we are an institutional “accredited investor” (within the meaning of Rule
      501(a)(1), (2), (3) or (7) of Regulation D under the Act, and have such
      knowledge and experience in financial and business matters that we are capable
      of evaluating the merits and risks of investments in the Certificates, (c)
      we
      have had the opportunity to ask questions of and receive answers from the
      Depositor concerning the purchase of the Certificates and all matters relating
      thereto or any additional information deemed necessary to our decision to
      purchase the Certificates, (d) either (i) we are not an employee benefit plan
      that is subject to Title I of the Employee Retirement Income Security Act of
      1974, as amended (“ERISA”),
      or a
      plan or arrangement that is subject to Section 4975 of the Internal Revenue
      Code of 1986, as amended (the “Code”),
      or a
      plan subject to any Federal, state or local law materially similar to the
      foregoing provisions of ERISA or the Code, nor are we acting on behalf of any
      such plan or arrangement nor using the assets of any such plan or arrangement
      to
      effect such acquisition, or, (ii) with respect to a Class P Certificate or
      Class
      X Certificate, (A) we are an insurance company that is purchasing this
      Certificate with funds contained in an “insurance company general account” (as
      such term is defined in Section V(e) of Prohibited Transaction Class Exemption
      95-60 (“PTCE
      95-60”))
      and
      (I) if the transfer occurs prior to the termination of the Supplemental Interest
      Trust, the acquisition and holding of such Certificate is eligible for exemptive
      relief available under PTCE 95-60 and (II) if the transfer occurs after the
      termination of the Supplemental Interest Trust, the conditions under Sections
      I
      and III of PTCE 95-60 have been met or (B) with respect to such Certificate
      we
      have provided the Opinion of Counsel required in Section 5.02 of the Pooling
      and
      Servicing Agreement, (e) we are acquiring the Certificates for investment for
      our own account and not with a view to any distribution of such Certificates
      (but without prejudice to our right at all times to sell or otherwise dispose
      of
      the Certificates in accordance with clause (g) below), (f) we have not offered
      or sold any Certificates to, or solicited offers to buy any Certificates from,
      any person, or otherwise approached or negotiated with any person with respect
      thereto, or taken any other action which would result in a violation of Section
      5 of the Act, and (g) we will not sell, transfer or otherwise dispose of any
      Certificates unless (1) such sale, transfer or other disposition is made
      pursuant to an effective registration statement under the Act or is exempt
      from
      such registration requirements, and if requested, we will at our expense provide
      an opinion of counsel satisfactory to the addressees of this Certificate that
      such sale, transfer or other disposition may be made pursuant to an exemption
      from the Act, (2) the purchaser or transferee of such Certificate has executed
      and delivered to you a certificate to substantially the same effect as this
      certificate, and (3) the purchaser or transferee has otherwise complied with
      any
      conditions for transfer set forth in the Pooling and Servicing
      Agreement.

     

     

    
      	 	
              Very
                truly yours,

               

              ________________________________ 

              Print
                Name of Transferee

               

               

              By:
                _____________________________

              Authorized
                Officer

            

    

    
    

    

    EXHIBIT
      J

     

    FORM
      OF
      REQUEST FOR RELEASE

     

    

     

     

    To: [Address]

     

    In
      connection with the administration of the Mortgage Loans held by you as Trustee
      on behalf of the Certificateholders we request the release, and acknowledge
      receipt, of the (Custodial File/[specify documents]) for the Mortgage Loan
      described below, for the reason indicated.

     

    Mortgagor’s
      Name, Address & Zip Code:

    Mortgage
      Loan Number:

    Reason
      for Requesting Documents (check one)

     

    ____1. Mortgage
      Loan Paid in Full. (The Servicer hereby certifies that all amounts received
      in
      connection therewith have been credited to the Collection Account as provided
      in
      the Pooling and Servicing Agreement.)

     

    ____2. Mortgage
      Loan Repurchase Pursuant to Section 2.03 of the Pooling and Servicing Agreement.
      (The Servicer hereby certifies that the repurchase price has been credited
      to
      the Collection Account as provided in the Pooling and Servicing
      Agreement.)

     

    ____3. Mortgage
      Loan Liquidated by _________________. (The Servicer hereby certifies that all
      proceeds of foreclosure, insurance, condemnation or other liquidation have
      been
      finally received and credited to the Collection Account pursuant to the Pooling
      and Servicing Agreement.)

     

    ____4. Mortgage
      Loan in Foreclosure.

     

    ____5. Other
      (explain).

     

    If
      box 1,
      2 or 3 above is checked, and if all or part of the Custodial File was previously
      released to us, please release to us our previous request and receipt on file
      with you, as well as any additional documents in your possession relating to
      the
      specified Mortgage Loan.

     

    If
      Box 4
      or 5 above is checked, upon our return of all of the above documents to you
      as
      Trustee please acknowledge your receipt by signing in the space indicated below,
      and returning this form, if requested.

     

     

    Address
      to which Trustee should     
____________________________________________

    Deliver
      the Trustee’s Mortgage File:
      ____________________________________________

     

    

     

    
      	 	
              By:____________________________________
                

              (authorized
                signer)

              Issuer:___________________________________
                

              Address:_________________________________
                

              Date:____________________________________
                

            
	
              Acknowledged
                receipt by:

               

              DEUTSCHE
                BANK NATIONAL TRUST COMPANY, 

              as
                Trustee

               

              By:____________________________________
                

              Name:

              Title:

              Date

            	 

    

    
      
 

    

    EXHIBIT
      K

     

    CONTENTS
      OF EACH MORTGAGE FILE

     

    With
      respect to each Mortgage Loan, the Mortgage File shall include each of the
      following items, which shall be available for inspection by the Sponsor and
      which shall be retained by the related Servicer or delivered to and retained
      by
      the Trustee or Custodian, as applicable:

     

    (i) the
      original Mortgage Note (except for any Mortgage Notes for which there is a
      lost
      note affidavit and a copy of the Mortgage Note) bearing all intervening
      endorsements showing a complete chain of endorsement from the originator to
      the
      last endorsee, endorsed “Pay to the order of _____________, without recourse”
and signed in the name of the last endorsee. To the extent that there is no
      room
      on the face any Mortgage Note for an endorsement, the endorsement may be
      contained on an allonge, unless state law does not so allow and the Trustee
      has
      been advised by the Depositor that state law does not so allow. If the Mortgage
      Loan was acquired by the [Original Loan Seller] in a merger, the endorsement
      must be by “[last endorsee], successor by merger to [name of predecessor]”. If
      the Mortgage Loan was acquired or originated by the last endorsee while doing
      business under another name, the endorsement must be by “[last endorsee],
      formerly known as [previous name]”;

     

    (ii) the
      original of any guarantee executed in connection with the Mortgage Note, if
      provided;

     

    (iii) the
      original Mortgage, with evidence of recording thereon or a certified true copy
      of such Mortgage submitted for recording. If in connection with any Mortgage
      Loan, the related Responsible Party cannot deliver or cause to be delivered
      the
      original Mortgage with evidence of recording thereon on or prior to the Closing
      Date because of a delay caused by the public recording office where such
      Mortgage has been delivered for recordation or because such Mortgage has been
      lost or because such public recording office retains the original recorded
      Mortgage, the related Responsible Party (to the extent that it has not
      previously delivered the same to the Purchaser or the Trustee), shall deliver
      or
      cause to be delivered to the Trustee or the Custodian, as applicable, a
      photocopy of such Mortgage, together with (A) in the case of a delay caused
      by
      the public recording office, an officer’s certificate of the related Responsible
      Party, or evidence of certification on the face of such photocopy of such
      Mortgage, or certified by the title company, escrow agent, or closing attorney
      stating that such Mortgage has been dispatched to the appropriate public
      recording office for recordation and that the original recorded Mortgage or
      a
      copy of such Mortgage certified by such public recording office to be a true
      and
      complete copy of the original recorded Mortgage will be promptly delivered
      to
      the Trustee or the Custodian, as applicable, upon receipt thereof by the related
      Responsible Party; or (B) in the case of a Mortgage where a public recording
      office retains the original recorded Mortgage or in the case where a Mortgage
      is
      lost after recordation in a public recording office, a copy of such Mortgage
      certified by such public recording office to be a true and complete copy of
      the
      original recorded Mortgage;

     

    (iv) the
      originals of all assumption, modification, consolidation or extension agreements
      (if provided), with evidence of recording thereon or a certified true copy
      of
      such agreement submitted for recording;

     

    (v) except
      with respect to each MERS Designated Mortgage Loan, the original Assignment
      of
      Mortgage for each Mortgage Loan endorsed in blank and in recordable
      form;

     

    (vi) the
      originals of all intervening Assignments of Mortgage (if any) evidencing a
      complete chain of assignment from the applicable originator (or MERS with
      respect to each MERS Designated Mortgage Loan) to the last endorsee with
      evidence of recording thereon, or if any such intervening assignment has not
      been returned from the applicable recording office or has been lost or if such
      public recording office retains the original recorded Assignments of Mortgage,
      the related Responsible Party (to the extent that it has not previously
      delivered the same to the Purchaser or the Trustee), shall deliver or cause
      to
      be delivered to the Trustee or the Custodian, as applicable, a photocopy of
      such
      intervening assignment, together with (A) in the case of a delay caused by
      the
      public recording office, an officer’s certificate of such Responsible Party, or
      evidence of certification on the face of such photocopy of such intervening
      assignment, or certified by the title company, escrow agent, or closing attorney
      stating that such intervening Assignment of Mortgage has been dispatched to
      the
      appropriate public recording office for recordation and that such original
      recorded intervening Assignment of Mortgage or a copy of such intervening
      Assignment of Mortgage certified by the appropriate public recording office
      to
      be a true and complete copy of the original recorded intervening assignment
      of
      mortgage will be promptly delivered to the Trustee or the Custodian, as
      applicable, upon receipt thereof by the related Responsible Party, or (B) in
      the
      case of an intervening assignment where a public recording office retains the
      original recorded intervening assignment or in the case where an intervening
      assignment is lost after recordation in a public recording office, a copy of
      such intervening assignment certified by such public recording office to be
      a
      true and complete copy of the original recorded intervening
      assignment;

     

    (vii) the
      original or copy of lender’s title policy or any one of an original title
      binder, an original or copy of the preliminary title report or an original
      or
      copy of the title commitment; and

     

    (viii) a
      security agreement, chattel mortgage or equivalent document executed in
      connection with the Mortgage (if provided).

    

    EXHIBIT
      L

     

    [RESERVED]

     

    EXHIBIT
      M

     

    FORM
      OF
      CERTIFICATION TO BE PROVIDED WITH FORM 10-K

     

     

    
      	 	
              Re:

            	
              GSAA
                Home Equity Trust 2007-S1 (the “Trust”)
                Mortgage Pass-Through Certificates, Series 2007-S1, issued pursuant
                to the
                Pooling and Servicing Agreement, dated as of February 1, 2007 (the
                “Pooling
                and Servicing Agreement”),
                among GS Mortgage Securities Corp., as depositor (the “Depositor”),
                Ocwen Loan Servicing, LLC, as a servicer (“Ocwen”),
                Avelo Mortgage, L.L.C., as a servicer (“Avelo”),
                Specialized Loan Servicing LLC, as a servicer (“SLS”
                and collectively with Ocwen and Avelo, the “Servicers”),
                Wells Fargo Bank, National Association, as master servicer (the
                “Master
                Servicer”),
                U.S. Bank National Association, as a custodian and Deutsche Bank
                National
                Trust Company, as trustee (the “Trustee”)

            

    

     

    I,
      [identify the certifying individual], certify that:

     

    1. I
      have
      reviewed this report on Form 10-K and all reports on Form 10-D required to
      be
      filed in respect of the period covered by this report on Form 10-K of the
      Trust;

     

    2. Based
      on
      my knowledge, the Exchange Act periodic reports, taken as a whole, do not
      contain any untrue statement of a material fact or omit to state a material
      fact
      necessary to make the statements made, in light of the circumstances under
      which
      such statements were made, not misleading with respect to the period covered
      by
      this report;

     

    3. Based
      on
      my knowledge, all of the distribution, servicing and other information required
      to be provided under Form 10-D for the period covered by this report is included
      in the Exchange Act periodic reports;

     

    4. Based
      on
      my knowledge and the servicer compliance statements required in this report
      under Item 1123 of Regulation AB, and except as disclosed in the Exchange Act
      periodic reports, the Servicers
      and the Master Servicer
      have
      fulfilled their obligations under the Pooling and Servicing Agreement in all
      material respects; and

     

    5. All
      of
      the reports on assessment of compliance with servicing criteria for asset-backed
      securities and their related attestation reports on assessment of compliance
      with servicing criteria for asset-backed securities required to be included
      in
      this report in accordance with Item 1122 of Regulation AB and Exchange Act
      Rules
      13a-18 and 15d-18 have been included as an exhibit to this report, except as
      otherwise disclosed in this report. Any material instances of noncompliance
      described in such reports have been disclosed in this report on Form
      10-K.

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

    In
      giving
      the certifications above, I have reasonably relied on information provided
      to me
      by the following unaffiliated parties: the Trustee, the Servicers and the Master
      Servicer.

     

     

    
      	 	
              Date:____________________________________
                

              [Signature]

              [Title]

            

    

    

    EXHIBIT
      N

     

    FORM
      OF
      TRUSTEE CERTIFICATION TO BE PROVIDED TO DEPOSITOR

     

     

    
      	 	
              Re:

            	
              GSAA
                Home Equity Trust 2007-S1 (the “Trust”)
                Mortgage Pass-Through Certificates, Series 2007-S1, issued pursuant
                to the
                Pooling and Servicing Agreement, dated as of February 1, 2007 (the
                “Pooling
                and Servicing Agreement”),
                as depositor (the “Depositor”),
                Ocwen Loan Servicing, LLC, as a servicer (“Ocwen”),
                Avelo Mortgage, L.L.C., as a servicer (“Avelo”),
                Specialized Loan Servicing LLC, as a servicer (“SLS”
                and collectively with Ocwen and Avelo, the “Servicers”),
                Wells Fargo Bank, National Association, as master servicer (the
                “Master
                Servicer”),
                U.S. Bank National Association, as a custodian and Deutsche Bank
                National
                Trust Company, as trustee (the “Trustee”)

            

    

     

    I,
      [identify the certifying individual], a [title] of Deutsche Bank National Trust
      Company certify to the Depositor and its officers, directors and affiliates,
      and
      with the knowledge and intent that they will rely upon this certification,
      that:

     

    1. I
      have
      reviewed the annual report on Form 10-K (the “Annual
      Report”)
      for
      the fiscal year [___], and all reports on Form 10-D containing distribution
      reports filed in respect of periods included in the year covered by the Annual
      Report (collectively with the Annual Report, the “Reports”),
      of
      the Trust;

     

    2. Based
      on
      my knowledge, without independent investigation or inquiry, the information
      in
      the Monthly Statements (excluding information provided, or based on information
      provided, by the Master Servicer, the Servicers or any servicer) and those
      items
      on Exhibit S attached to the Pooling and Servicing Agreement which indicate
      the
      Monthly Statement (excluding information provided, or based on information
      provided, by the Master Servicer, the Servicers or any servicer) or the Trustee
      as the responsible party, taken as a whole, does not contain any untrue
      statement of a material fact or omit to state a material fact necessary to
      make
      the statements made, in light of the circumstances under which such statements
      were made, not misleading as of the last day of the period covered by the Annual
      Report; and

     

    3. Based
      on
      my knowledge, the distribution information required to be provided by the
      Trustee and the servicing information provided to the Trustee by the Master
      Servicer and the Servicers under the Pooling and Servicing Agreement is included
      in the Monthly Statements.

     

    [SIGNATURE
      PAGE FOLLOWS]

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

    Date:

     

    
      	 	
              DEUTSCHE
                BANK NATIONAL TRUST COMPANY

               

              By:____________________________________________

              Name:

              Title:

            

    

     

    EXHIBIT
      O-1

     

    FORM
      OF
      SERVICER CERTIFICATION TO BE PROVIDED TO DEPOSITOR

     

     

    
      	 	
              Re:

            	
              GSAA
                Home Equity Trust 2007-S1 (the “Trust”)
                Mortgage Pass-Through Certificates, Series 2007-S1, issued pursuant
                to the
                Pooling and Servicing Agreement, dated as of February 1, 2007 (the
                “Pooling
                and Servicing Agreement”),
                as depositor (the “Depositor”),
                Ocwen Loan Servicing, LLC, as a servicer, Avelo Mortgage, L.L.C.,
                as a
                servicer, Specialized Loan Servicing LLC, as a servicer, Wells Fargo
                Bank,
                National Association, as master servicer, U.S. Bank National Association,
                as a custodian and Deutsche Bank National Trust Company, as trustee
                (the
                “Trustee”)

            

    

     

    I,
      [name
      of certifying individual], a duly elected and acting officer of [name of
      servicer] (the “Servicer”),
      certify pursuant to Section 8.12 of the Pooling and Servicing Agreement to
      the
      Depositor and the Trustee, each Person, if any, who “controls” the Depositor or
      the Trustee within the meaning of the Securities Act of 1933, as amended, and
      their respective officers and directors, with respect to the calendar year
      immediately preceding the date of this Certificate (the “Relevant
      Year”),
      as
      follows:

     

    1. For
      purposes of this Certificate, “Relevant Information” means the information in
      the certificate provided pursuant to Section 3.22 of the Pooling and Servicing
      Agreement (the “Annual
      Compliance Certificate”)
      for
      the Relevant Year and the information in all Servicer Remittance Reports
      provided by the Servicer during the Relevant Year. Based on my knowledge, the
      Relevant Information, taken as a whole, does not contain any untrue statement
      of
      a material fact or omit to state a material fact required to be stated therein
      which is necessary to make the statements made therein, in light of the
      circumstances under which such statements were made, not misleading as of the
      last day of the Relevant Year.

     

    2. The
      Relevant Information has been provided to those Persons entitled to receive
      it.

     

    3. I
      am
      responsible for reviewing the activities performed by the Servicer and based
      on
      my knowledge and the compliance review conducted in preparing the Annual
      Compliance Certificate, and except as disclosed in the Exchange Act periodic
      reports, the Servicer has fulfilled its obligations under the Pooling and
      Servicing Agreement in all material respects.

     

    [SIGNATURE
      PAGE FOLLOWS]

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

     

    
      	 	
              DATED
                as of ________, 200__.

               

              _____________________________________

              [Name]

              [Title]

            

    

     

    EXHIBIT
      O-2

    

    FORM
      OF
      MASTER SERVICER CERTIFICATION

    TO
      BE
      PROVIDED TO DEPOSITOR

    

     

    
      	 	
              Re:

            	
              GSAA
                Home Equity Trust 2007-S1 (the “Trust”)
                Mortgage Pass-Through Certificates, Series 2007-S1, issued pursuant
                to the
                Pooling and Servicing Agreement, dated as of February 1, 2007 (the
                “Pooling
                and Servicing Agreement”),
                as depositor (the “Depositor”),
                Ocwen Loan Servicing, LLC, as a servicer, Avelo Mortgage, L.L.C.,
                as a
                servicer, Specialized Loan Servicing LLC, as a servicer, Wells Fargo
                Bank,
                National Association, as master servicer (the “Master
                Servicer”),
                U.S. Bank National Association, as a custodian and Deutsche Bank
                National
                Trust Company, as trustee (the “Trustee”)

            

    

     

     

    The
      Master Servicer (the “Servicer”),
      certifies to the Depositor and the Trustee, and their respective officers,
      directors and affiliates, and with the knowledge and intent that they will
      rely
      upon this certification, that:

     

    The
      Servicer has reviewed the servicer compliance statement of the Servicer provided
      to the Depositor and the Trustee for the Trust’s fiscal year [___] in accordance
      with Item 1123 of Regulation AB (each a “Compliance
      Statement”),
      the
      report on assessment of the Servicer’s compliance with the servicing criteria
      set forth in Item 1122(d) of Regulation AB (the “Servicing
      Criteria”)
      provided to the Depositor and the Trustee for the Trust’s fiscal year [___] in
      accordance with Rules 13a-18 and 15d-18 under the Securities Exchange Act of
      1934, as amended (the “Exchange
      Act”)
      and
      Item 1122 of Regulation AB (each a “Servicing
      Assessment”),
      the
      registered public accounting firm’s attestation report provided in accordance
      with Rules 13a-18 and 15d-18 under the Exchange Act and Section 1122(b) of
      Regulation AB related to each Servicing Assessment (each an “Attestation
      Report”),
      and
      all servicing reports, officer’s certificates and other information relating to
      the servicing of the Mortgage Loans by the Servicer during 200[_] that were
      delivered or caused to be delivered by the Servicer pursuant to the Pooling
      and
      Servicing Agreement (collectively, the “Servicing
      Information”);

     

    Based
      on
      the Servicer’s knowledge, the Servicing Information, taken as a whole, does not
      contain any untrue statement of a material fact or omit to state a material
      fact
      necessary to make the statements made, in the light of the circumstances under
      which such statements were made, not misleading with respect to the period
      of
      time covered by the Servicing Information;

     

    Based
      on
      the Servicer’s knowledge, the servicing information required to be provided to
      the Trustee by the Servicer pursuant to the Pooling and Servicing Agreement
      has
      been provided to the Trustee;

     

    Based
      on
      the Servicer’s knowledge and the compliance review conducted in preparing
      Compliance Statement of the Servicer except as disclosed in such Compliance
      Statement[(s)], Servicing Assessment[(s)] or Attestation Report[(s)], the
      Servicer has fulfilled its obligations under the Pooling and Servicing Agreement
      in all material respects.

     

    Each
      Servicing Assessment of the Servicer and its related Attestation Report required
      to be included in the Annual Report in accordance with Item 1122 of Regulation
      AB and Exchange Act Rules 13a-18 and 15d-18 has been provided to the Depositor
      and the Trustee. Any material instances of non-compliance are described in
      any
      such Servicing Assessment or Attestation Report.

     

    Date:__________________________________

     

    By:____________________________________

     

    Name:
      _________________________________

     

    Title:
      __________________________________

    

     

    EXHIBIT
      P

     

    FORM
      OF
      POWER OF ATTORNEY

     

     

    RECORDING
      REQUESTED BY

    AND
      WHEN
      RECORDED MAIL TO

    [name
      of
      servicer]

    [address
      of servicer]

    Attn:
      _________________________________

     

    LIMITED
      POWER OF ATTORNEY

     

    KNOW
      ALL
      MEN BY THESE PRESENTS, that Deutsche Bank National Trust Company, a national
      banking association organized and existing under the laws of the United States,
      having its principal place of business at 1761 East St. Andrew Place, Santa
      Ana,
      California, 92705, as Trustee (the “Trustee”)
      pursuant to that Pooling and Servicing Agreement, dated as of February 1, 2007
      (the “Agreement”),
      among
      GS Mortgage Securities Corp., as depositor (the “Depositor”),
      Ocwen
      Loan Servicing, LLC, as a servicer (“Ocwen”),
      Avelo
      Mortgage, L.L.C., as a servicer (“Avelo”),
      Specialized Loan Servicing LLC, as a servicer (“SLS”
and
      collectively with Ocwen and Avelo, the “Servicers”),
      Wells
      Fargo Bank, National Association, as master servicer, U.S. Bank National
      Association, as a custodian and the Trustee, hereby constitutes and appoints
      [name of servicer], by and through [name of servicer]’s officers, the Trustee’s
      true and lawful Attorney-in-Fact, in the Trustee’s name, place and stead and for
      the Trustee’s benefit, in connection with all mortgage loans serviced by [name
      of servicer] pursuant to the Agreement solely for the purpose of performing
      such
      acts and executing such documents in the name of the Trustee necessary and
      appropriate to effectuate the following enumerated transactions in respect
      of
      any of the mortgages or deeds of trust (the “Mortgages”
and
      the
“Deeds
      of Trust”
      respectively) and promissory notes secured thereby (the “Mortgage Notes”) for
      which the undersigned is acting as Trustee for various certificateholders
      (whether the undersigned is named therein as mortgagee or beneficiary or has
      become mortgagee by virtue of endorsement of the Mortgage Note secured by any
      such Mortgage or Deed of Trust) and for which [name of servicer] is acting
      as
      the Servicer.

     

    This
      Appointment shall apply only to the following enumerated transactions and
      nothing herein or in the Agreement shall be construed to the
      contrary:

     

    1. The
      modification or re-recording of a Mortgage or Deed of Trust, where said
      modification or re-recording is solely for the purpose of correcting the
      Mortgage or Deed of Trust to conform same to the original intent of the parties
      thereto or to correct title errors discovered after such title insurance was
      issued; provided that (i) said modification or re-recording, in either instance,
      does not adversely affect the lien of the Mortgage or Deed of Trust as insured
      and (ii) otherwise conforms to the provisions of the Agreement.

     

    2. The
      subordination of the lien of a Mortgage or Deed of Trust to a mortgage or deed
      of trust replacing a prior mortgage or deed of trust in accordance with Section
      3.01(d) of the Agreement or to an easement in favor of a public utility company
      of a government agency or unit with powers of eminent domain; this section
      shall
      include, without limitation, the execution of partial satisfactions/releases,
      partial reconveyances or the execution or requests to trustees to accomplish
      same.

     

    3. The
      conveyance of the properties to the mortgage insurer, or the closing of the
      title to the property to be acquired as real estate owned, or conveyance of
      title to real estate owned.

     

    4. The
      completion of loan assumption agreements.

     

    5. The
      full
      satisfaction/release of a Mortgage or Deed of Trust or full conveyance upon
      payment and discharge of all sums secured thereby, including, without
      limitation, cancellation of the related Mortgage Note.

     

    6. The
      assignment of any Mortgage or Deed of Trust and the related Mortgage Note,
      in
      connection with the repurchase of the mortgage loan secured and evidenced
      thereby.

     

    7. The
      full
      assignment of a Mortgage or Deed of Trust upon payment and discharge of all
      sums
      secured thereby in conjunction with the refinancing thereof, including, without
      limitation, the assignment of the related Mortgage Note.

     

    8. With
      respect to a Mortgage or Deed of Trust, the foreclosure, the taking of a deed
      in
      lieu of foreclosure, or the completion of judicial or non-judicial foreclosure
      or termination, cancellation or rescission of any such foreclosure, including,
      without limitation, any and all of the following acts:

     

    
      	 	
              (a)

            	
              the
                substitution of trustee(s) serving under a Deed of Trust, in accordance
                with state law and the Deed of
                Trust;

            

    

     

    
      	 	
              (b)

            	
              the
                preparation and issuance of statements of breach or
                non-performance;

            

    

     

    
      	 	
              (c)

            	
              the
                preparation and filing of notices of default and/or notices of
                sale;

            

    

     

    
      	 	
              (d)

            	
              the
                cancellation/rescission of notices of default and/or notices of
                sale;

            

    

     

    
      	 	
              (e)

            	
              the
                taking of deed in lieu of foreclosure;
                and

            

    

     

    
      	 	
              (f)

            	
              the
                preparation and execution of such other documents and performance
                of such
                other actions as may be necessary under the terms of the Mortgage,
                Deed of
                Trust or state law to expeditiously complete said transactions in
                paragraphs 8.a. through 8.e. above.

            

    

    

    9. With
      respect to the sale of property acquired through a foreclosure or deed-in lieu
      of foreclosure, including, without limitation, the execution of the following
      documentation:

     

    
      	 	
              (a)

            	
              listing
                agreements;

            

    

     

    
      	 	
              (b)

            	
              purchase
                and sale agreements;

            

    

     

    
      	 	
              (c)

            	
              grant/warranty/quit
                claim deeds or any other deed causing the transfer of title of the
                property to a party contracted to purchase
                same;

            

    

     

    
      	 	
              (d)

            	
              escrow
                instructions; and

            

    

     

    
      	 	
              (e)

            	
              any
                and all documents necessary to effect the transfer of
                property.

            

    

    

    10. The
      modification or amendment of escrow agreements established for repairs to the
      mortgaged property or reserves for replacement of personal
      property.

     

    The
      undersigned gives said Attorney-in-Fact full power and authority to execute
      such
      instruments and to do and perform all and every act and thing necessary and
      proper to carry into effect the power or powers granted by or under this Limited
      Power of Attorney as fully as the undersigned might or could do, and hereby
      does
      ratify and confirm to all that said Attorney-in-Fact shall be effective as
      of
      _________.

     

    This
      appointment is to be construed and interpreted as a limited power of attorney.
      The enumeration of specific items, rights, acts or powers herein is not intended
      to, nor does it give rise to, and it is not to be construed as a general power
      of attorney.

     

    Nothing
      contained herein shall (i) limit in any manner any indemnification provided
      by
      [name of servicer] to the Trustee under the Agreement, or (ii) be construed
      to
      grant [name of servicer] the power to initiate or defend any suit, litigation
      or
      proceeding in the name of Deutsche Bank National Trust Company except as
      specifically provided for herein.

     

    This
      limited power of attorney is not intended to extend the powers granted to [name
      of servicer] under the Agreement or to allow [name of servicer] to take any
      action with respect to Mortgages, Deeds of Trust or Mortgage Notes not
      authorized by the Agreement.

     

    Subject
      to the limitations in Section 6.05 of the Agreement, [name of servicer] hereby
      agrees to indemnify and hold the Trustee and its directors, officers, employees
      and agents harmless from and against any and all liabilities, obligations,
      losses, damages, penalties, actions, judgments, suits, costs, expenses or
      disbursements of any kind or nature whatsoever incurred by reason or result
      of
      or in connection with the exercise by [name of servicer] of the powers granted
      to it hereunder. The foregoing indemnity shall survive the termination of this
      Limited Power of Attorney and the Agreement or the earlier resignation or
      removal of the Trustee under the Agreement.

     

    This
      Limited Power of Attorney is entered into and shall be governed by the laws
      of
      the State of New York, without regard to conflicts of law principles of such
      state.

     

    Third
      parties without actual notice may rely upon the exercise of the power granted
      under this Limited Power of Attorney; and may be satisfied that this Limited
      Power of Attorney shall continue in full force and effect and has not been
      revoked unless an instrument of revocation has been made in writing by the
      undersigned.

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

    IN
      WITNESS WHEREOF, Deutsche Bank National Trust Company, as Trustee has caused
      its
      corporate seal to be hereto affixed and these presents to be signed and
      acknowledged in its name and behalf by a duly elected and authorized signatory
      this ___________ day of ____________.

     

    
      	 	Deutsche
              Bank National Trust Company, as Trustee
               

              By:____________________________________

              Name:

              Title:

               

              Acknowledged
                and Agreed

               

              [name
                of servicer]

               

              By:____________________________________

              Name:

              Title:

            

    

     

    
      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

    

     

     

    
      	STATE OF CALIFORNIA	)
	 	) ss.:
	COUNTY OF ___________	)

    

     

     

    On
      ________________, _____, before me, the undersigned, a Notary Public in and
      for
      said state, personally appeared ________________________________ of Deutsche
      Bank National Trust Company, as Trustee for GSAA Home Equity Trust 2007-S1,
      Mortgage Pass-Through Certificates, Series 2007-S1, personally known to me
      to be
      the person whose name is subscribed to the within instrument and acknowledged
      to
      me that he/she executed that same in his/her authorized capacity, and that
      by
      his/her signature on the instrument the entity upon behalf of which the person
      acted and executed the instrument.’

     

     

    WITNESS
      my hand and official seal.

    (SEAL)

     

    ____________________________________

    Notary
      Public, State of California

     

    

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

    EXHIBIT
      Q-1

     

    M&T
      AGREEMENTS

     

    
      

         

        MASTER
          MORTGAGE LOAN PURCHASE AND SERVICING AGREEMENT

         

        This
          is a
          MASTER MORTGAGE LOAN PURCHASE AND SERVICING AGREEMENT (the “Agreement”),
          dated
          as of November 1, 2005, by and between GOLDMAN SACHS MORTGAGE COMPANY,
          having an office at 85 Broad Street, New York, New York (the “Purchaser”)
          and
          M&T MORTGAGE CORPORATION, having an office at One Fountain Plaza, Buffalo,
          NY 14203 (the “Seller”).

         

        W
          I T
          N E S S E T H:

         

        WHEREAS,
          the Seller desires to sell, from time to time, to the Purchaser, and the
          Purchaser desires to purchase, from time to time, from the Seller, certain
          conventional fixed and adjustable rate residential first and second lien
          mortgage loans (the “Mortgage
          Loans”)
          and
          certain fixed rate cooperative loans (the “Cooperative
          Loans”),
          and,
          with respect to the Servicing Released Mortgage Loans (as defined herein),
          the
          servicing rights appurtenant thereto, as described herein on a servicing
          retained or servicing released basis, and which shall be delivered in groups
          of
          whole loans on various dates as provided herein (each, a “Closing
          Date”);

         

        WHEREAS,
          each Mortgage Loan is secured by a mortgage, deed of trust or other security
          instrument creating a first or second lien on a residential dwelling located
          in
          the jurisdiction indicated on the Mortgage Loan Schedule for the related
          Mortgage Loan Package, which is to be annexed hereto on each Closing Date
          as
          Schedule I;

         

        WHEREAS,
          each Cooperative Loan is secured by a pledge of shares of stock issued
          by a
          Cooperative and the assignment of the appurtenant proprietary lease, all
          relating to a specified dwelling unit in an apartment building owned by
          the
          Cooperative and located in the states indicated on the Mortgage Loan Schedule
          for the related Mortgage Loan Package, which is to be annexed hereto on
          each
          Closing Date as Schedule I; and

         

        WHEREAS,
          the Purchaser and the Seller wish to prescribe the manner of the conveyance,
          servicing and control of the Mortgage Loans;

         

        NOW,
          THEREFORE, in consideration of the premises and mutual agreements set forth
          herein, and for other good and valuable consideration, the receipt and
          sufficiency of which are hereby acknowledged, the Purchaser and the Seller
          agree
          as follows:

         

        SECTION
          1.  Definitions.

         

        For
          purposes of this Agreement the following capitalized terms shall have the
          respective meanings set forth below.

         

        Accepted
          Servicing Practices:
          With
          respect to any Mortgage Loan, those mortgage servicing practices (including
          collection procedures) of prudent mortgage lending institutions which service
          loans of the same type as such Mortgage Loan in the jurisdiction where
          the
          related Mortgaged Property is located and in accordance with applicable
          law, the
          terms of the Mortgage and Mortgage Note and the servicing guidelines established
          by Fannie Mae for MBS pool mortgages, as defined in the Fannie Mae Guides
          (including future updates).

         

        Adjustable
          Rate Mortgage Loan:
          A
          Mortgage Loan which provides for the adjustment of the Mortgage Interest
          Rate
          payable in respect thereto.

         

        Adjustment
          Date:
          With
          respect to each Adjustable Rate Mortgage Loan, the date set forth in the
          related
          Mortgage Note on which the Mortgage Interest Rate on such Adjustable Rate
          Mortgage Loan is adjusted in accordance with the terms of the related Mortgage
          Note.

         

        Agency
          Transfer:
          A
          Fannie Mae Transfer or a Freddie Mac Transfer.

         

        Agreement:
          This
          Master Mortgage Loan Purchase and Servicing Agreement including all exhibits,
          schedules, amendments and supplements hereto.

         

        Ancillary
          Income:
          All
          income derived from the Mortgage Loans other than payments of principal,
          interest and Escrow Payments (excluding Servicing Fees and prepayment penalties
          attributable to the Mortgage Loans), including but not limited to interest
          received on funds deposited in the Custodial Account or any Escrow Account
          (to
          the extent permitted by applicable law), all late charges, assumption fees,
          escrow account benefits, reinstatement fees, fees received with respect
          to
          checks on bank drafts returned by the related bank for insufficient funds,
          and
          similar types of fees arising from or in connection with any Mortgage Loan
          to
          the extent not otherwise payable to the Mortgagor under applicable law
          or
          pursuant to the terms of the related Mortgage Note.

         

        Appraised
          Value:
          With
          respect to any Mortgaged Property, the lesser of (i) the value thereof as
          determined by an appraisal made for the originator of the Mortgage Loan
          at the
          time of origination of the Mortgage Loan by an appraiser who met the minimum
          requirements of Fannie Mae and Freddie Mac, and (ii) the purchase price
          paid for the related Mortgaged Property by the Mortgagor with the proceeds
          of
          the Mortgage Loan, provided, however, in the case of a Refinanced Mortgage
          Loan
          originated more than 12 months following the purchase of the Mortgaged
          Property
          by the related Mortgagor, such value of the Mortgaged Property is based
          solely
          upon the value determined by an appraisal made for the originator of such
          Refinanced Mortgage Loan at the time of origination of such Refinanced
          Mortgage
          Loan by an appraiser who met the minimum requirements of Fannie Mae and
          Freddie
          Mac.

         

        Assignment
          and Conveyance:
          An
          assignment and conveyance of the Mortgage Loans purchased on a Closing
          Date in
          the form annexed hereto as Exhibit 4.

         

        Assignment
          of the Pledge Agreement:
          With
          respect to a Cooperative Loan, an assignment of the Pledge
          Agreement.

         

        Assignment
          of Proprietary Lease:
          An
          assignment of the Proprietary Lease.

         

        Assignment
          of Mortgage:
          With
          respect to each Mortgage Loan which is not a MOM Loan, an individual assignment
          of the Mortgage, notice of transfer or equivalent instrument in recordable
          form,
          sufficient under the laws of the jurisdiction wherein the related Mortgaged
          Property is located to give record notice of the sale of the Mortgage to
          the
          Purchaser.

         

        Business
          Day:
          Any day
          other than a Saturday or Sunday, or a day on which banking and savings
          and loan
          institutions in the State of New York are authorized or obligated by law
          or
          executive order to be closed.

         

        Buydown
          Agreement:
          An
          agreement between the Seller and a Mortgagor, or an agreement among the
          Seller,
          a Mortgagor and a seller of a Mortgaged Property or a third party with
          respect
          to a Mortgage Loan which provides for the application of Buydown
          Funds.

         

        Buydown
          Funds:
          In
          respect of any Buydown Mortgage Loan, any amount contributed by the seller
          of a
          Mortgaged Property subject to a Buydown Mortgage Loan, the buyer of such
          property, the Seller or any other source, plus interest earned thereon,
          in order
          to enable the Mortgagor to reduce the payments required to be made from
          the
          Mortgagor’s funds in the early years of a Mortgage Loan.

         

        Buydown
          Mortgage Loan:
          Any
          Mortgage Loan in respect of which, pursuant to a Buydown Agreement, (i) the
          Mortgagor pays less than the full monthly payments specified in the Mortgage
          Note for a specified period and (ii) the difference between the payments
          required under such Buydown Agreement and the Mortgage Note is provided
          from
          Buydown Funds.

         

        Buydown
          Period:
          The
          period of time when a Buydown Agreement is in effect with respect to a
          related
          Buydown Mortgage Loan.

         

        Cash
          Out Refinancing:
          A
          Refinanced Mortgage Loan the proceeds of which were in excess of the applicable
          amounts set forth in the M&T Mortgage Corporation Correspondent Seller
          Guide, on the related Mortgaged Property and related closing costs, and
          were
          used to pay any such existing first and/or second mortgage, as applicable,
          related closing costs and to provide additional proceeds for the use of
          the
          Mortgagor.

         

        Closing
          Date:
          The
          date or dates on which the Purchaser, from time to time, shall purchase
          and the
          Seller, from time to time, shall sell to the Purchaser, the Mortgage Loans
          listed on the related Mortgage Loan Schedule with respect to the related
          Mortgage Loan Package.

         

        Closing
          Documents:
          With
          respect to any Closing Date, the documents required pursuant to
          Section 9.

         

        Code:
          The
          Internal Revenue Code of 1986, or any successor statute thereto.

         

        Combined
          Loan to Value Ratio
          or
CLTV:
          With
          respect to any Mortgage Loan, the ratio of the original outstanding principal
          amount of the Mortgage Loan and any other mortgage loan which is secured
          by a
          lien on the related Mortgaged Property to (i) the Appraised Value of the
          related Mortgaged Property at origination with respect to a Refinanced
          Loan, and
          (ii) the lesser of the Appraised Value of the related Mortgaged Property at
          origination or the purchase price of the related Mortgaged Property with
          respect
          to all other Mortgage Loans.

         

        Commission:
          The
          United States Securities and Exchange Commission.

         

        Commitment
          Letter:
          With
          respect to any Mortgage Loan Package purchased and sold on any Closing
          Date, the
          purchase price and terms letter agreement between the Purchaser and the
          Seller
          (including any exhibits, schedules and attachments thereto), setting forth
          the
          terms and conditions of such transaction and describing the Mortgage Loans
          to be
          purchased by the Purchaser on such Closing Date. A Commitment Letter may
          relate
          to more than one Mortgage Loan Package to be purchased on one or more Closing
          Dates hereunder.

         

        Company
          Information:
          As
          defined in Section 13.07(a).

         

        Condemnation
          Proceeds:
          All
          awards, compensation and settlements in respect of a taking of all or part
          of a
          Mortgaged Property by exercise of the power of condemnation or the right
          of
          eminent domain.

         

        Convertible
          Mortgage Loan:
          A
          Mortgage Loan that by its terms and subject to certain conditions contained
          in
          the related Mortgage or Mortgage Note allows the Mortgagor to convert the
          adjustable Mortgage Interest Rate on such Mortgage Loan to a fixed Mortgage
          Interest Rate.

         

        Consent:
          A
          document executed by the Cooperative (i) consenting to the sale of the
          Cooperative Apartment to the Mortgagor and (ii) certifying that all
          maintenance charges and assessments relating to the Cooperative Apartment
          have
          been paid.

         

        Cooperative:
          The
          private, non profit cooperative apartment corporation which owns all of
          the real
          property that comprises the Project, including the land, separate dwelling
          units
          and all common areas.

         

        Cooperative
          Apartment:
          The
          specific dwelling unit relating to a Cooperative Loan.

         

        Cooperative
          Lien Search:
          A
          search for (a) federal tax liens, mechanics’ liens, lis pendens, judgments
          of record or otherwise against (i) the Cooperative, (ii) the seller of
          the Cooperative Apartment and (iii) the Mortgagor if the Cooperative Loan
          is a Refinanced Mortgage Loan or the buyer if the Cooperative Loan is a
          purchase; (b) filings of Financing Statements and (c) the deed of the
          Project into the Cooperative.

         

        Cooperative
          Loan:
          A
          Mortgage Loan that is secured by a first lien on and a perfected security
          interest in Cooperative Shares and the related Proprietary Lease granting
          exclusive rights to occupy the related Cooperative Apartment in the building
          owned by the related Cooperative.

         

        Cooperative
          Shares:
          The
          shares of stock issued by the Cooperative, owned by the Mortgagor, and
          allocated
          to a Cooperative Apartment and represented by a Stock Certificate.

         

        Covered
          Loan:
          A
          Mortgage Loan categorized as Covered pursuant to Appendix E of Standard
&
Poor’s Glossary.

         

        Custodial
          Account:
          The
          separate account or accounts, each of which shall be an Eligible Account,
          created and maintained pursuant to this Agreement, which shall be entitled
          “M&T MORTGAGE CORPORATION, as servicer, in trust for the Purchaser and
          various Mortgagors, Fixed and Adjustable Rate Mortgage Loans”, established at a
          financial institution acceptable to the Purchaser.

         

        Custodial
          Agreement:
          The
          agreement governing the retention of the Mortgage Loan Documents.

         

        Custodian:
          The
          custodian under the Custodial Agreement, or its successor in interest or
          assigns, or any successor to the Custodian under the Custodial Agreement,
          as
          therein provided.

         

        Cut-Off
          Date:
          The
          first day of the month in which the related Closing Date occurs.

         

        Deleted
          Mortgage Loan:
          A
          Mortgage Loan replaced or to be replaced by a Qualified Substitute Mortgage
          Loan.

         

        Depositor:
          The
          depositor, as such term is defined in Regulation AB, with respect to any
          Securitization Transaction.

         

        Determination
          Date:
          With
          respect to each Distribution Date, the fifteenth (15th) day of the calendar
          month in which such Distribution Date occurs or, if such fifteenth (15th)
          day is
          not a Business Day, the Business Day immediately preceding such fifteenth
          (15th)
          day.

         

        Distribution
          Date:
          The
          eighteenth (18th) day of each month, commencing on the eighteenth day of
          the
          month next following the month in which the related Cut-Off Date occurs,
          or if
          such eighteenth (18th) day is not a Business Day, the first Business Day
          immediately preceding such eighteenth (18th) day.

         

        Due
          Date:
          Except
          as may otherwise be set forth on the related Mortgage Loan Schedule, with
          respect to each Distribution Date, the first day of the calendar month
          in which
          such Distribution Date occurs, which is the day on which the Monthly Payment
          is
          due on a Mortgage Loan, exclusive of any days of grace.

         

        Due
          Period:
          With
          respect to each Distribution Date, the period commencing on the second
          day of
          the month preceding the month of the Distribution Date and ending on the
          first
          day of the month of the Distribution Date.

         

        Eligible
          Account:
          Either
          (i) an account or accounts maintained with a federal or state chartered
          depository institution or trust company the short term unsecured debt
          obligations of which (or, in the case of a depository institution or trust
          company that is the principal subsidiary of a holding company, the short
          term
          unsecured debt obligations of such holding company) are rated A-1 by S&P or,
          Prime 1 by Moody’s (or a comparable rating if another rating agency is specified
          by the Purchaser by written notice to the Seller) at the time any amounts
          are
          held on deposit therein, (ii) an account or accounts the deposits in which
          are fully insured by the FDIC or (iii) a trust account or accounts
          maintained with a federal or state chartered depository institution or
          trust
          company acting in its fiduciary capacity; provided however, that in the
          event
          any of the Mortgage Loans are subject to a Securitization Transaction,
          the
          Company agrees that the holding company or other entity which maintains
          any
          accounts subject to this definition, shall satisfy the rating requirements
          established by any Rating Agency which rates securities issued as part
          of the
          Securitization Transaction. Eligible Accounts may bear interest.

         

        Escrow
          Account:
          The
          separate trust account or accounts, each of which shall be an Eligible
          Account,
          created and maintained pursuant to this Agreement which shall be entitled
          “M&T Mortgage Corporation, as servicer, in trust for the Purchaser and
          various Mortgagors, Fixed and Adjustable Rate Mortgage Loans”, established at a
          financial institution acceptable to the Purchaser.

         

        Escrow
          Payments:
          The
          amounts constituting ground rents, taxes, assessments, water charges, sewer
          rents, Primary Insurance Policy premiums, fire and hazard insurance premiums
          and
          other payments required to be escrowed by the Mortgagor with the Mortgagee
          pursuant to the terms of any Mortgage Note or Mortgage.

         

        Estoppel
          Letter:
          A
          document executed by the Cooperative certifying, with respect to a Cooperative
          Apartment, (i) the appurtenant Proprietary Lease will be in full force and
          effect as of the date of issuance thereof, (ii) the related Stock
          Certificate was registered in the Mortgagor’s name and the Cooperative has not
          been notified of any lien upon, pledge of, levy of execution on or disposition
          of such Stock Certificate, and (iii) the Mortgagor is not in default under
          the appurtenant Proprietary Lease and all charges due the Cooperative have
          been
          paid.

         

        Event
          of Default:
          Any one
          of the events enumerated in Section 14.01.

         

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

         

        Fannie
          Mae:
          The
          Federal National Mortgage Association, or any successor thereto.

         

        Fannie
          Mae Transfer:
          As
          defined in Section 12 hereof.

         

        FDIC:
          The
          Federal Deposit Insurance Corporation, or any successor thereto.

         

        Final
          Recovery Determination:
          With
          respect to any defaulted Mortgage Loan or any REO Property (other than
          a
          Mortgage Loan or REO Property purchased by the Seller pursuant to this
          Agreement), a determination made by the Seller that all Insurance Proceeds,
          Liquidation Proceeds and other payments or recoveries which the Seller,
          in its
          reasonable good faith judgment, expects to be finally recoverable in respect
          thereof have been so recovered. The Seller shall maintain records, prepared
          by a
          servicing officer of the Seller, of each Final Recovery
          Determination.

         

        Financing
          Statement:
          A
          financing statement in the form of a UCC 1 filed pursuant to the Uniform
          Commercial Code to perfect a security interest in the Cooperative Shares
          and
          Pledge Instruments.

         

        First
          Lien:
          With
          respect to each Mortgaged Property, the lien of the mortgage, deed of trust
          or
          other instrument securing a Mortgage Note which creates a first lien on
          the
          Mortgaged Property.

         

        Fixed
          Rate Mortgage Loan:
          A
          Mortgage Loan with respect to which the Mortgage Interest Rate set forth
          in the
          Mortgage Note is fixed for the term of such Mortgage Loan.

         

        Flood
          Zone Service Contract:
          A
          transferable contract maintained for the Mortgaged Property with a nationally
          recognized flood zone service provider for the purpose of obtaining the
          current
          flood zone status relating to such Mortgaged Property

         

        Freddie
          Mac:
          The
          Federal Home Loan Mortgage Corporation, or any successor thereto.

         

        Freddie
          Mac Transfer:
          As
          defined in Section 12 hereof.

         

        Gross
          Margin:
          With
          respect to any Adjustable Rate Mortgage Loan, the fixed percentage amount
          set
          forth in the related Mortgage Note and the related Mortgage Loan Schedule
          that
          is added to the Index on each Adjustment Date in accordance with the terms
          of
          the related Mortgage Note to determine the new Mortgage Interest Rate for
          such
          Mortgage Loan.

         

        High
          Cost Loan:
          A
          Mortgage Loan (a) covered by the Home Ownership and Equity Protection Act
          of 1994, (b) classified as a “high cost home,” “threshold,” “covered,”
“high risk home,” “predatory” or similar loan under any other applicable state,
          federal or local law (or a similarly classified loan using different terminology
          under a law imposing heightened regulatory scrutiny or additional legal
          liability for residential mortgage loans having high interest rates, points
          and/or fees) or (c) categorized as High Cost pursuant to Appendix E of
          Standard & Poor’s Glossary.

         

        HUD:
          The
          United States Department of Housing and Urban Development or any successor
          thereto.

         

        Index:
          With
          respect to any Adjustable Rate Mortgage Loan, the index identified on the
          Mortgage Loan Schedule and set forth in the related Mortgage Note for the
          purpose of calculating the interest rate thereon.

         

        Initial
          Closing Date:
          The
          Closing Date on which the Purchaser purchases and the Seller sells the
          first
          Mortgage Loan Package hereunder.

         

        Initial
          Purchaser:
          Goldman
          Sachs Mortgage Company.

         

        Initial
          Rate Cap:
          With
          respect to each Adjustable Rate Mortgage Loan and the initial Adjustment
          Date
          therefor, a number of percentage points per annum that is set forth in
          the
          related Final Mortgage Loan Schedule and in the related Mortgage Note,
          which is
          the maximum amount by which the Mortgage Interest Rate for such Adjustable
          Rate
          Mortgage Loan may increase or decrease on the initial Adjustment
          Date.

         

        Insurance
          Proceeds:
          With
          respect to each Mortgage Loan, proceeds of insurance policies insuring
          the
          Mortgage Loan or the related Mortgaged Property.

         

        Interim
          Servicing Period:
          With
          respect to any Servicing Released Mortgage Loan, the period commencing
          on the
          related Closing Date and ending on the related Servicing Transfer Date;
          provided, however that the Interim Servicing Period may be extended for
          an
          additional period as agreed to in writing by the Purchaser and
          Seller.

         

        Liquidation
          Proceeds:
          Amounts, other than Insurance Proceeds and Condemnation Proceeds, received
          in
          connection with the liquidation of a defaulted Mortgage Loan through trustee’s
          sale, foreclosure sale or otherwise, other than amounts received following
          the
          acquisition of REO Property.

         

        Loan-to-Value
          Ratio
          or
LTV:
          With
          respect to any Mortgage Loan as of any date of determination, the ratio
          on such
          date of the outstanding principal amount of the Mortgage Loan, to the Appraised
          Value of the Mortgaged Property.

         

        M&T
          Mortgage Corporation Correspondent Seller Guide:
          those
          certain underwriting guidelines of the Seller, in effect as of the Closing
          Date
          and as may be amended from time to time. The guide may be requested in
          writing
          by contacting Connie Reinhardt at: M&T Mortgage Corporation, One Fountain
          Plaza, Buffalo, NY 14203, telephone: 716-848-7135.

         

        Maximum
          Mortgage Interest Rate:
          With
          respect to and as applicable to each Adjustable Rate Mortgage Loan, a rate
          that
          is set forth on the related Mortgage Loan Schedule and in the related Mortgage
          Note and is the maximum interest rate to which the Mortgage Interest Rate
          on
          such Mortgage Loan may be increased on any Adjustment Date.

         

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

         

        MERS®
          System:
          The
          system of recording transfers of mortgages electronically maintained by
          MERS.

         

        MIN:
          The
          Mortgage Identification Number of Mortgage Loans registered with MERS on
          the
          MERS® System.

         

        Minimum
          Mortgage Interest Rate:
          With
          respect to each Adjustable Rate Mortgage Loan, a rate that is set forth
          on the
          related Mortgage Loan Schedule and in the related Mortgage Note and is
          the
          minimum interest rate to which the Mortgage Interest Rate on such Mortgage
          Loan
          may be decreased on any Adjustment Date.

         

        MOM
          Loan:
          Any
          Mortgage Loan where MERS acts as the mortgagee of record of such Mortgage
          Loan,
          solely as nominee for the originator of such Mortgage Loan and its successors
          and assigns, at the origination thereof.

         

        Monthly
          Advance:
          The
          aggregate of the principal and/or interest advances made by the Seller
          on any
          Distribution Date pursuant to Section 11.21 of Exhibit 8 with respect to
          any Servicing Retained Mortgage Loans.

         

        Monthly
          Payment:
          With
          respect to any Mortgage Loan, the scheduled combined payment of principal
          and
          interest payable by a Mortgagor under the related Mortgage Note on each
          Due
          Date.

         

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

         

        Mortgage:
          The
          mortgage, deed of trust or other instrument creating a first or second
          lien on
          Mortgaged Property securing the Mortgage Note.

         

        Mortgage
          File:
          The
          items pertaining to a particular Mortgage Loan referred to in Exhibit 5
          annexed
          hereto, and any additional documents required to be added to the Mortgage
          File
          pursuant to this Agreement or the related Commitment Letter.

         

        Mortgage
          Interest Rate:
          With
          respect to each Fixed Rate Mortgage Loan, the fixed annual rate of interest
          provided for in the related Mortgage Note and, with respect to each Adjustable
          Rate Mortgage Loan, the annual rate that interest accrues on such Adjustable
          Rate Mortgage Loan from time to time in accordance with the provisions
          of the
          related Mortgage Note.

         

        Mortgage
          Loan:
          Each
          first or second lien residential Servicing Retained Mortgage Loan and Servicing
          Released Mortgage Loan, sold, assigned and transferred to the Purchaser
          pursuant
          to this Agreement and the related Commitment Letter and identified on the
          Mortgage Loan Schedule annexed to this Agreement on such Closing Date,
          which
          Mortgage Loan includes without limitation the Mortgage File, the Monthly
          Payments, Principal Prepayments, Prepayment Charges, Liquidation Proceeds,
          Condemnation Proceeds, Insurance Proceeds, REO Disposition proceeds, and
          all
          other rights, benefits, proceeds and obligations arising from or in connection
          with such Mortgage Loan, including, with respect to each Servicing Released
          Mortgage Loan, the related Servicing Rights.

         

        Mortgage
          Loan Documents:
          Those
          documents described as the “Mortgage
          Loan Documents”
in
          clauses 1-7, 23, 24, 25, 26, 27, 28, 29 and 30 in Exhibit 5 annexed
          hereto.

         

        Mortgage
          Loan Package:
          The
          Mortgage Loans listed on a Mortgage Loan Schedule, delivered to the Purchaser
          or
          its designee at least five (5) Business Days prior to the related Closing
          Date.

         

        Mortgage
          Loan Schedule:
          With
          respect to each Mortgage Loan Package, the schedule of Mortgage Loans to
          be
          delivered via electronically through electronic email to the Purchaser
          and/or
          its designee on each Closing Date for the Mortgage Loan Package delivered
          on
          such Closing Date, such schedule setting forth, but not limited to, the
          following information with respect to each Mortgage Loan in such Mortgage
          Loan
          Package:

         

        (1)  the
          Mortgage Loan identification number;

         

        (2)  a
          code
          indicating whether the Mortgage Loan is an Adjustable Rate Mortgage Loan
          or a
          Fixed Rate Mortgage Loan;

         

        (3)  the
          Mortgagor’s first and last name;

         

        (4)  the
          street address of the Mortgaged Property including the city, state and
          zip
          code;

         

        (5)  the
          original principal balance of the Mortgage Loan;

         

        (6)  the
          Scheduled Principal Balance of the Mortgage Loan as of the close of business
          on
          the Cut-off Date;

         

        (7)  the
          actual unpaid principal balance of the Mortgage Loan as of the close of
          business
          on the Cut-off Date;

         

        (8)  the
          last
          scheduled Due Date on which a Monthly Payment was applied to the Scheduled
          Principal Balance;

         

        (9)  the
          last
          Due Date on which a Monthly Payment was actually applied to the actual
          unpaid
          principal balance;

         

        (10)  the
          Mortgage Interest Rate in effect immediately following origination;

         

        (11)  the
          Mortgage Interest Rate in effect immediately following the Cut-Off Date
          (if
          different from (10));

         

        (12)  the
          amount of the Monthly Payment at origination;

         

        (13)  the
          amount of the Monthly Payment as of the Cut-off Date (if different from
          (12));

         

        (14)  a
          code
          indicating whether the Mortgaged Property is owner-occupied, a second home
          or an
          investor property;

         

        (15)  a
          code
          indicating whether the Mortgaged Property is a single family residence,
          a
          two-family residence, a three-family residence, a four-family residence,
          a
          planned-unit development, or a condominium;

         

        (16)  a
          code
          indicating the loan purpose (i.e., purchase, rate/term refinance, cash-out
          refinance);

         

        (17)  the
          stated maturity date;

         

        (18)  the
          original months to maturity;

         

        (19)  the
          remaining months to maturity from the Cut-off Date based on the original
          amortization schedule and, if different, the remaining months to maturity
          expressed in the same manner but based on the actual amortization
          schedule;

         

        (20)  the
          origination date of the Mortgage Loan;

         

        (21)  the
          Appraised Value (including the purchase price of the Mortgaged Property,
          if
          applicable) and Loan-to-Value Ratio at origination;

         

        (22)  the
          date
          on which the first Monthly Payment was due on the Mortgage Loan after the
          origination date, and if such date is not consistent with the Due Date
          currently
          in effect, the current Due Date;

         

        (23)  with
          respect to each Adjustable Rate Mortgage Loan, the Index;

         

        (24)  with
          respect to each Adjustable Rate Mortgage Loan, the type of Adjustable Rate
          Mortgage Loan (i.e., 1/1, 3/1, 5/1, etc.);

         

        (25)  with
          respect to each Adjustable Rate Mortgage Loan, the Gross Margin;

         

        (26)  with
          respect to each Adjustable Rate Mortgage Loan, the Periodic Rate
          Cap;

         

        (27)  with
          respect to each Adjustable Rate Mortgage Loan, the Initial Rate Cap (if
          different from the Periodic Rate Cap)

         

        (28)  with
          respect to each Adjustable Rate Mortgage Loan, the Maximum Mortgage Interest
          Rate;

         

        (29)  with
          respect to each Adjustable Rate Mortgage Loan, the Minimum Mortgage Interest
          Rate;

         

        (30)  with
          respect to each Adjustable Rate Mortgage Loan, the first Adjustment Date
          immediately following origination;

         

        (31)  with
          respect to each Adjustable Rate Mortgage Loan, the first Adjustment Date
          immediately following the Cut-off Date (if different from (30));

         

        (32)  a
          code
          indicating the documentation type of the Mortgage Loan;

         

        (33)  a
          code
          indicating if the Mortgage Loan is subject to a Primary Insurance Policy
          and, if
          so, the name of the Qualified Insurer, the certificate number and the coverage
          amount of the Primary Insurance Policy;

         

        (34)  the
          Servicing Fee Rate;

         

        (35)  a
          code
          indicating whether or not an Adjustable Rate Mortgage Loan is convertible
          to a
          fixed interest rate;

         

        (36)  a
          code
          indicating whether the Mortgage Loan is subject to a prepayment penalty
          and, if
          so, the term of such prepayment penalty;

         

        (37)  the
          credit score (or mortgage score) of the Mortgagor;

         

        (38)  the
          debt-to-income ratio of the Mortgage Loan;

         

        (39)  a
          code
          indicating whether the Mortgage Loan is a MERS Mortgage Loan and, if so,
          the
          corresponding MIN;

         

        (40)  a
          code
          indicating whether the Mortgage Loan is an ALT-A Mortgage Loan;

         

        (41)  the
          type
          of Mortgage Loan (i.e., First Lien or Second Lien)

         

        (42)  a
          code
          indicating the purpose of the loan (i.e., purchase, rate and term refinance,
          equity take-out refinance);

         

        (43)  the
          Mortgage Interest Rate adjustment period;

         

        (44)  [Reserved];

         

        (45)  [Reserved];

         

        (46)  a
          code
          indicating whether the Mortgage Loan is assumable;

         

        (47)  [Reserved];

         

        (48)  the
          sales
          price of the Mortgaged Property if the Mortgage Loan was originated in
          connection with the purchase of the Mortgaged Property; and

         

        (49)  a
          field
          indicating whether the borrower is self-employed.

         

        The
          Mortgage Loan Schedule shall set forth the following information, in aggregate,
          as of the related Cut-off Date: (1) the number of Mortgage Loans; (2) the
          original principal balance of the Mortgage Loans; (3) the Scheduled Principal
          Balance of the Mortgage Loans; (4) the weighted average Mortgage Interest
          Rate
          of the Mortgage Loans; (5) the weighted average Net Mortgage Loan Rate
          of the
          Mortgage Loans; (6) the weighted average remaining months to maturity of
          the
          Mortgage Loans; and (7) with respect to Adjustable Rate Mortgage Loans,
          the
          weighted average Gross Margin and the weighted average number of months
          until
          the next Adjustment Date. A Mortgage Loan Schedule will be prepared for
          each
          Closing Date and will be attached to the Assignment and Conveyance.

         

        Mortgage
          Note:
          The
          original executed note or other evidence of the Mortgage Loan indebtedness
          of a
          Mortgagor secured by a Mortgage or a Pledge Agreement.

         

        Mortgaged
          Property:
          (a) With respect to each Mortgage Loan, the Mortgagor’s real property
          securing repayment of the related Mortgage Note, consisting of a fee simple
          interest in a single parcel of real property improved by a Residential
          Dwelling
          and (b) with respect to each Cooperative Loan, the Cooperative Shares and
          Proprietary Lease.

         

        Mortgagee:
          The
          mortgagee or beneficiary named in the Mortgage and the successors and assigns
          of
          such mortgagee or beneficiary.

         

        Mortgagor:
          The
          obligor on a Mortgage Note, the owner of the Mortgaged Property and the
          grantor
          or mortgagor named in the related Mortgage and such grantor’s or mortgagor’s
          successor’s in title to the Mortgaged Property.

         

        Net
          Mortgage Rate:
          With
          respect to any Servicing Retained Mortgage Loan (or the related REO Property),
          as of any date of determination, a per annum rate of interest equal to
          the then
          applicable Mortgage Interest Rate for such Servicing Retained Mortgage
          Loan
          minus the Servicing Fee Rate.

         

        Nonrecoverable
          Monthly Advance:
          Any
          Monthly Advance previously made or proposed to be made in respect of a
          Servicing
          Retained Mortgage Loan or REO Property that, in the good faith business
          judgment
          of the Seller, will not, or, in the case of a proposed Monthly Advance,
          would
          not be, ultimately recoverable from related late payments, Primary Insurance
          Proceeds, Insurance Proceeds or Liquidation Proceeds on such Servicing
          Retained
          Mortgage Loan or REO Property as provided herein.

         

        Nonrecoverable
          Servicing Advance:
          Any
          Servicing Advance previously made or proposed to be made in respect of
          a
          Mortgage Loan or REO Property that, in the good faith business judgment
          of the
          Seller, will not, or, in the case of a proposed Servicing Advance, would
          not be,
          ultimately recoverable from related late payments, Other Insurance Proceeds,
          Primary Insurance Proceeds or Liquidation Proceeds on such Mortgage Loan
          or REO
          Property as provided herein.

         

        Officer’s
          Certificate:
          A
          certificate signed by the Chairman of the Board or the Vice Chairman of
          the
          Board or a President or a Vice President or the Treasurer or the Secretary
          or
          one of the Assistant Treasurers or Assistant Secretaries of the Person
          on behalf
          of whom such certificate is being delivered.

         

        Opinion
          of Counsel:
          A
          written opinion of counsel, who may be an employee of the Person on behalf
          of
          whom the opinion is being given, reasonably acceptable to each Person to
          whom
          such opinion is addressed.

         

        Other
          Insurance Proceeds:
          Proceeds of any title policy, hazard policy or other insurance policy covering
          a
          Mortgage Loan, other than the Primary Insurance Policy, if any, to the
          extent
          such proceeds are not to be applied to the restoration of the related Mortgaged
          Property or released to the Mortgagor in accordance with the procedures
          that the
          Seller (as servicer) would follow in servicing mortgage loans held for
          its own
          account.

         

        Periodic
          Rate Cap:
          With
          respect to each Adjustable Rate Mortgage Loan and any Adjustment Date therefor,
          a number of percentage points per annum that is set forth in the related
          Mortgage Loan Schedule and in the related Mortgage Note, which is the maximum
          amount by which the Mortgage Interest Rate for such Adjustable Rate Mortgage
          Loan may increase (without regard to the Maximum Mortgage Interest Rate)
          or
          decrease (without regard to the Minimum Mortgage Interest Rate) on such
          Adjustment Date from the Mortgage Interest Rate in effect immediately prior
          to
          such Adjustment Date.

         

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

         

        Pledge
          Agreement:
          The
          specific agreement (such as a pledge agreement or loan security agreement)
          creating a first lien on and pledge of the Cooperative Shares and the
          appurtenant Proprietary Lease securing a Cooperative Loan.

         

        Pledge
          Instruments:
          The
          Stock Power, the Assignment of the Proprietary Lease and the Assignment
          of the
          Pledge Agreement.

         

        Preliminary
          Servicing Period:
          With
          respect to any Servicing Retained Mortgage Loans, the period commencing
          on the
          related Closing Date and ending on the date the Seller enters into
          Reconstitution Agreements which amend or restate the servicing provisions
          of
          this Agreement.

         

        Prepayment
          Charge:
          With
          respect to any Mortgage Loan, any prepayment penalty or premium thereon
          payable
          in connection with a principal prepayment on such Mortgage Loan pursuant
          to the
          terms of the related Mortgage Note.

         

        Prepayment
          Interest Excess:
          To the
          extent applicable as set forth in the related Commitment Letter, with respect
          to
          any Remittance Date, for each Mortgage Loan that was the subject of a Principal
          Payment in full during the portion of the related Principal Prepayment
          Period
          occurring between the first day of the calendar month in which such Remittance
          Date occurs and the Determination Date of the calendar month in which such
          Remittance Date occurs, an amount equal to interest (to the extent received)
          at
          the applicable Net Mortgage Rate in the amount of such Principal Prepayment
          in
          full, as applicable, for each number of days commencing on the first day
          of the
          calendar month in which such Remittance Date occurs and ending on the last
          day
          for which interest is collected from the related Mortgagor.

         

        Prepayment
          Interest Shortfall Amount:
          With
          respect to any Mortgage Loan that was subjected to a Principal Prepayment
          in
          full during a Principal Prepayment Period, the amount if any, by which
          one
          months interest at the related Net Mortgage Rate on such Principal Prepayment
          exceeds the amount of interest paid in connection with such Principal
          Prepayment.

         

        Primary
          Insurance Policy:
          A
          policy of primary mortgage guaranty insurance issued by a Qualified
          Insurer.

         

        Principal
          Prepayment:
          Any
          payment or other recovery of principal on a Mortgage Loan which is received
          in
          advance of its scheduled Due Date, including any Prepayment Charge thereon,
          which is not accompanied by an amount of interest representing scheduled
          interest due on any date or dates in any month or months subsequent to
          the month
          of prepayment.

         

        Principal
          Prepayment Period:
          With
          respect to each Distribution Date, the period commencing on the 16th day
          of the
          month preceding the month of the Distribution Date and ending on the 15th
          day of
          the month of the Distribution Date.

         

        Project:
          All
          real property owned by the Cooperative including the land, separate dwelling
          units and all common areas.

         

        Proprietary
          Lease:
          A lease
          on a Cooperative Apartment evidencing the possessory interest of the Mortgagor
          in such Cooperative Apartment.

         

        Purchase
          Price:
          The
          price paid on the related Closing Date by the Purchaser to the Seller pursuant
          to the related Commitment Letter in exchange for the Mortgage Loans purchased
          on
          such Closing Date as calculated as provided in Section 4.

         

        Qualified
          Correspondent:
          Any
          Person from which the Company purchased Mortgage Loans, provided that the
          following conditions are satisfied: (i) such Mortgage Loans were originated
          pursuant to an agreement between the Company and such Person that contemplated
          that such Person would underwrite mortgage loans from time to time, for
          sale to
          the Company, in accordance with underwriting guidelines designated by the
          Company (“Designated
          Guidelines”)
          or
          guidelines that do not vary materially from such Designated Guidelines;
          (ii) such Mortgage Loans were in fact underwritten as described in clause
          (i) above and were acquired by the Company within 180 days after
          origination; (iii) either (x) the Designated Guidelines were, at the time
          such Mortgage Loans were originated, used by the Company in origination
          of
          mortgage loans of the same type as the Mortgage Loans for the Company’s own
          account or (y) the Designated Guidelines were, at the time such Mortgage
          Loans
          were underwritten, designated by the Company on a consistent basis for
          use by
          lenders in originating mortgage loans to be purchased by the Company; and
          (iv) the Company employed, at the time such Mortgage Loans were acquired by
          the Company, pre-purchase or post-purchase quality assurance procedures
          (which
          may involve, among other things, review of a sample of mortgage loans purchased
          during a particular time period or through particular channels) designed
          to
          ensure that Persons from which it purchased mortgage loans properly applied
          the
          underwriting criteria designated by the Company.

         

        Qualified
          Depository:
          A
          depository the accounts of which are insured by the FDIC.

         

        Qualified
          Insurer:
          Any
          insurer which meets the requirements of Fannie Mae and Freddie Mac.

         

        Qualified
          Substitute Mortgage Loan:
          A
          mortgage loan substituted for a Deleted Mortgage Loan pursuant to the terms
          of
          this Agreement which must, on the date of such substitution, (i) have an
          outstanding principal balance, after application of all scheduled payments
          of
          principal and interest due during or prior to the month of substitution,
          not in
          excess of the Stated Principal Balance of the Deleted Mortgage Loan as
          of the
          Due Date in the calendar month during which the substitution occurs,
          (ii) have a Mortgage Interest Rate not less than (and not more than one
          percentage point in excess of) the Mortgage Interest Rate of the Deleted
          Mortgage Loan, (iii) with respect to each Servicing Retained Mortgage Loan,
          have a Net Mortgage Rate equal to the Net Mortgage Rate of the Deleted
          Mortgage
          Loan, (iv) have a remaining term to maturity not greater than (and not more
          than one year less than) that of the Deleted Mortgage Loan, (v) have the
          same Due Date as the Due Date on the Deleted Mortgage Loan, (vi) have a
          Loan-to-Value Ratio as of the date of substitution equal to or lower than
          the
          Loan-to-Value Ratio of the Deleted Mortgage Loan as of such date, (vii) be
          covered under a Primary Insurance Policy if such Qualified Substitute Mortgage
          Loan has a Loan-to-Value Ratio in excess of 80%, (viii) conform to each
          representation and warranty set forth in Section 7.02 of this Agreement and
          (ix) be the same type of mortgage loan (i.e., first or second lien, fixed
          or
          adjustable rate with the same Gross Margin and Index as the Deleted Mortgage
          Loan). In the event that one or more mortgage loans are substituted for
          one or
          more Deleted Mortgage Loans, the amounts described in clause (i) hereof
          shall be determined on the basis of aggregate principal balances, the Mortgage
          Interest Rates described in clause (ii) hereof shall be determined on the
          basis of weighted average Mortgage Interest Rates, the Net Mortgage Rates
          described in clause (iii) hereof shall be satisfied as to each such
          mortgage loan, the terms described in clause (iv) shall be determined on
          the basis of weighted average remaining terms to maturity, the Loan-to-Value
          Ratios described in clause (vi) hereof shall be satisfied as to each such
          mortgage loan and, except to the extent otherwise provided in this sentence,
          the
          representations and warranties described in clause (viii) hereof must be
          satisfied as to each Qualified Substitute Mortgage Loan or in the aggregate,
          as
          the case may be.

         

        Rate/Term
          Refinancing:
          A
          Refinanced Mortgage Loan, the proceeds of which are not in excess of the
          applicable amounts set forth in the M&T Mortgage Corporation Correspondent
          Seller Guide, and were used exclusively to satisfy the then existing first
          and
          second mortgage loan of the Mortgagor on the related Mortgaged Property
          and to
          pay related closing costs.

         

        Recognition
          Agreement:
          An
          agreement whereby a Cooperative and a lender with respect to a Cooperative
          Loan
          (i) acknowledge that such lender may make, or intends to make, such
          Cooperative Loan, and (ii) make certain agreements with respect to such
          Cooperative Loan.

         

        Reconstitution:
          Any
          Securitization Transaction or Whole Loan Transfer.

         

        Reconstitution
          Agreements:
          The
          agreement or agreements entered into by the Seller and the Purchaser and/or
          certain third parties on the Reconstitution Date or Dates with respect
          to any or
          all of the Mortgage Loans serviced hereunder, in connection with an Agency
          Transfer, Whole Loan Transfer or a Securitization Transfer as provided
          in
          Section 12; provided, that, an assignment of this Agreement in connection
          with the sale or transfer of any of the Mortgage Loans shall not constitute
          a
“Reconstitution
          Agreement”.

         

        Reconstitution
          Date:
          The
          date or dates on which any or all of the Mortgage Loans serviced under
          this
          Agreement shall be removed from this Agreement and reconstituted as part
          of an
          Agency Transfer, Whole Loan Transfer or Securitization Transfer pursuant
          to
          Section 12 hereof.

         

        Record
          Date:
          With
          respect to each Distribution Date, the last Business Day of the month
          immediately preceding the month in which such Distribution Date
          occurs.

         

        Refinanced
          Mortgage Loan:
          A
          Mortgage Loan the proceeds of which were not used to purchase the related
          Mortgaged Property.

         

        Regulation
          AB:
          Subpart
          229.1100 - Asset Backed Securities (Regulation AB), 17 C.F.R.
§§229.1100-229.1123, as such may be amended from time to time, and subject
          to
          such clarification and interpretation as have been provided by the Commission
          in
          the adopting release (Asset-Backed Securities, Securities Act Release No.
          33-8518, 70 Fed. Reg. 1,506, 1,531 (Jan. 7, 2005)) or by the staff of the
          Commission, or as may be provided by the Commission or its staff from time
          to
          time.

         

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

         

        REMIC
          Provisions:
          Provisions of the federal income tax law relating to REMICs, which appear
          in
          Sections 860A through 860G of the Code, and related provisions, and
          proposed, temporary and final regulations and published rulings, notices
          and
          announcements promulgated thereunder, as the foregoing may be in effect
          from
          time to time.

         

        REO
          Disposition:
          The
          final sale by the Seller of any REO Property.

         

        REO
          Property:
          A
          Mortgaged Property acquired as a result of the liquidation of a Mortgage
          Loan.

         

        Repurchase
          Premium Reduction Amount:
          An
          amount equal to (a) the product of (i) the Premium, (ii) the
          Stated Principal Balance of the Mortgage Loan as of the date of the repurchase,
          and (iii) the Repurchase Premium Reduction Percentage. The “Premium” shall
          mean an amount equal to (a) the Purchase Price Percentage minus
          (b) 100%; provided however that in the case of a Mortgage Loan whose
          Purchase Price Percentage is less than 100%, the Repurchase Premium Reduction
          Amount shall be 0.

         

        Repurchase
          Premium Reduction Percentage:
          Shall
          be a percentage equal to: (a) from the Closing Date, up through the date
          twelve months after the Closing Date: 0%; (b) from the date twelve months
          after the Closing Date, up through the date twenty four months after the
          Closing
          Date: 20%; (c) from the date twenty four months after the Closing Date, up
          through the date thirty six months after the Closing Date: 40%; (d) from
          the date thirty six months after the Closing Date, up through the date
          forty
          eight months after the Closing Date: 60%; (e) from the date forty eight
          months after the Closing Date, up through the date sixty months after the
          Closing Date: 80%; and (f) from the date sixty months after the Closing
          Date: 100%.

         

        Repurchase
          Price:
          With
          respect to any Mortgage Loan for which a breach of a representation or
          warranty
          under this Agreement is found, a price equal to (i) the Purchase Price
          percentage multiplied by the Stated Principal Balance of such Mortgage
          Loan,
          plus (ii) Interest on such Stated Principal Balance at the Mortgage
          Interest Rate from and including the last Due Date through which interest
          has
          been paid by or on behalf of the Mortgagor to the date of repurchase plus
          (iii) the amount of any outstanding advances owed to any servicer, plus all
          costs and expenses incurred by the Purchaser or any servicer arising out
          of or
          based upon such breach, including without limitation costs and expenses
          incurred
          in the enforcement of the Seller’s repurchase obligation hereunder plus any
          costs and damages incurred by the related trust with respect to any
          securitization of the Mortgage Loan in connection with any violation by
          such
          Mortgage Loan of any predatory- or abusive-lending law minus (iv) the
          Repurchase Premium Reduction Amount.

         

        Residential
          Dwelling:
          Any one
          of the following: (i) a detached one family dwelling, or townhouse
          (ii) a detached two to four family dwelling, (iii) a one family
          dwelling unit in a condominium project, (iv) a mixed use family dwelling or
          (v) a detached one family dwelling in a planned unit development, which may
          include a Cooperative Apartment, but none of which is a mobile or manufactured
          home

         

        Second
          Lien:
          With
          respect to each Mortgaged Property, the lien of the mortgage, deed of trust
          or
          other instrument securing a Mortgage Note which creates a second lien on
          the
          Mortgaged Property.

         

        Securities
          Act:
          The
          Securities Act of 1933, as amended.

         

        Securitization
          Transaction.
          Any
          transaction involving either (1) a sale or other transfer of some or all
          of the
          Mortgage Loans directly or indirectly to an issuing entity in connection
          with an
          issuance of publicly offered or privately placed, rated or unrated
          mortgage-backed securities or (2) an issuance of publicly offered or privately
          placed, rated or unrated securities, the payments on which are determined
          primarily by reference to one or more portfolios of residential mortgage
          loans
          consisting, in whole or in part, of some or all of the Mortgage
          Loans.

         

        Servicer:
          As
          defined in Section 13.03(c).

         

        Servicing
          Addendum:
          The
          terms and conditions attached hereto as Exhibit 8 which will govern the
          servicing of the Servicing Retained Mortgage Loans by Seller during the
          Preliminary Servicing Period, and the terms and conditions attached hereto
          as
          Exhibit 9 which will govern the interim servicing of the Servicing Released
          Mortgage Loans by the Seller during the Interim Servicing Period.

         

        Servicing
          Advances:
          All
          customary, reasonable and necessary “out of pocket” costs and expenses incurred
          by the Seller in the performance of its servicing obligations, including,
          but
          not limited to, the cost of (i) preservation, restoration and repair of a
          Mortgaged Property, (ii) any enforcement or judicial proceedings with
          respect to a Mortgage Loan, including foreclosure actions and (iii) the
          management and liquidation of REO Property.

         

        Servicing
          Criteria:
          The
“servicing criteria” set forth in Item 1122(d) of Regulation AB, as
          such may be amended from time to time.

         

        Servicing
          Fee:
          With
          respect to each Servicing Retained Mortgage Loan, the amount of the annual
          servicing fee the Purchaser shall pay to the Seller, which shall, for each
          month, be equal to one twelfth of the product of (a) the Servicing Fee Rate
          and (b) the unpaid principal balance of the Mortgage Loan. Such fee shall
          be payable monthly, computed on the basis of the same principal amount
          and
          period respectively which any related interest payment on a Mortgage Loan
          is
          computed. The obligation of the Purchaser to pay the Servicing Fee is limited
          to, and payable solely from, the interest portion (including recoveries
          with
          respect to interest from Liquidation Proceeds and other proceeds, to the
          extent
          permitted by Section 11.05) of related Monthly Payment collected by
          the Seller, or as otherwise provided under Section 11.05. If the
          Preliminary Servicing Period includes any partial month, the Servicing
          Fee for
          such month shall be pro rated at a per diem rate based upon a 30 day month.
          With
          respect to each Servicing Released Mortgage Loan, the Servicing Fee shall
          be an
          amount equal to Fifteen dollars ($15.00) per calendar month or a portion of
          a calendar month during the Interim Servicing Period.

         

        Servicing
          Fee Rate:
          With
          respect to each Servicing Retained Mortgage Loan, the per annum rate at
          which
          the Servicing Fee accrues, which (i) in connection with each Fixed Rate
          Mortgage Loan shall be equal to 25 basis points (0.250%) per annum, and
          (ii) in connection with each Adjustable Rate Mortgage Loan shall be no less
          than 25 basis points (0.250%) per annum.

         

        Servicing
          File:
          With
          respect to each Mortgage Loan, the file retained by the Seller consisting
          of
          originals of all documents in the Mortgage File which are not delivered
          to the
          Purchaser or its designee and copies of the Mortgage Loan
          Documents.

         

        Servicing
          Released Mortgage Loan:
          The
          Mortgage Loans or Cooperative Loans sold by the Seller on a servicing released
          basis, which Servicing Released Mortgage Loans shall be serviced pursuant
          to the
          Servicing Addendum attached hereto as Exhibit 9.

         

        Servicing
          Retained Mortgage Loan:
          The
          Mortgage Loans sold by the Seller on a servicing retained basis, which
          Servicing
          Retained Mortgage Loans shall be serviced pursuant to the Servicing Addendum
          attached hereto as Exhibit 8.

         

        Servicing
          Rights:
          With
          respect to each Servicing Released Mortgage Loan, any and all of the following:
          (a) all rights to service the Servicing Released Mortgage Loan;
          (b) all rights to receive servicing fees, additional servicing compensation
          (including without limitation any late fees, assumption fees, penalties
          or
          similar payments with respect to the Servicing Released Mortgage Loan,
          and
          income on escrow accounts or other receipts on or with respect to the Servicing
          Released Mortgage Loan), reimbursements or indemnification for servicing
          the
          Servicing Released Mortgage Loan, and any payments received in respect
          of the
          foregoing and proceeds thereof; (c) the right to collect, hold and disburse
          escrow payments or other similar payments with respect to the Servicing
          Released
          Mortgage Loans and any amounts actually collected with respect thereto
          and to
          receive interest income on such amounts to the extent permitted by applicable
          law; (d) all accounts and other rights to payment related to any of the
          property described in this paragraph; (e) possession and use of any and all
          Servicing Files pertaining to the Servicing Released Mortgage Loans or
          pertaining to the past, present or prospective servicing of the Servicing
          Released Mortgage Loans; (f) all rights and benefits relating to the direct
          solicitation of the related Mortgagors for refinance or modification of
          the
          Servicing Released Mortgage Loans and attendant right, title and interest
          in and
          to the list of such Mortgagors and data relating to their respective Servicing
          Released Mortgage Loans; (g) all rights, powers and privileges incident to
          any of the foregoing; and (h) all agreements or documents creating,
          defining or evidencing any of the foregoing rights to the extent they relate
          to
          such rights.

         

        Servicing
          Transfer Date:
          With
          respect to each Servicing Released Mortgage Loan, the date or dates set
          forth in
          the related Commitment Letter upon which the actual transfer of servicing
          responsibilities for any Servicing Released Mortgage Loan being herein
          is
          transferred from the Seller to the Purchaser or its designee.

         

        S&P:
          Standard & Poor’s Ratings Services, a division of the McGraw Hill Companies,
          Inc. or its successor in interest.

         

        Special
          Deposit Account:
          An
          account which the Purchaser and Seller agree shall be a special deposit
          account
          for the benefit of the Purchaser under applicable law.

         

        Sponsor:
          The
          sponsor, as such term is defined in Regulation AB, with respect to any
          Securitization Transaction.

         

        Standard
          & Poor’s Glossary:
          The
          Standard & Poor’s LEVELS® Glossary, as may be in effect from time to
          time.

         

        Stated
          Principal Balance:
          As to
          each Servicing Retained Mortgage Loan as of any date of determination,
          (i) the principal balance of the Mortgage Loan as of the Cut-Off Date after
          giving effect to payments of principal due on or before such date, whether
          or
          not collected from the Mortgagor on or before such date, minus (ii) all
          amounts previously distributed to the Purchaser with respect to the related
          Mortgage Loan representing payments or recoveries of principal. With respect
          to
          each Servicing Released Mortgage Loan as of any date of determination,
          (i) the principal balance of the Mortgage Loan as of the Cut-Off Date after
          giving effect to payments of principal received on or before such date,
          minus
          (ii) all amounts previously distributed to the Purchaser with respect to
          the related Mortgage Loan representing payments or recoveries of
          principal.

         

        Static
          Pool Information:
          Static
          pool information as described in Item 1105(a)(1)-(3) and 1105(c) of
          Regulation AB.

         

        Stock
          Certificates:
          The
          certificates evidencing ownership of the Cooperative Shares issued by the
          Cooperative.

         

        Stock
          Power:
          An
          assignment of the Stock Certificate or an assignment of the Cooperative
          Shares
          issued by the Cooperative.

         

        Subcontractor:
          Any
          vendor, subcontractor or other Person that is not responsible for the overall
          servicing (as “servicing” is commonly understood by participants in the
          mortgage-backed securities market) of Mortgage Loans but performs one or
          more discrete functions identified in Item 1122(d) of Regulation AB
          with respect to Mortgage Loans under the direction or authority of the
          Company
          or a Subservicer.

         

        Subservicer:
          Any
          Person that services Mortgage Loans on behalf of the Company or any Subservicer
          and is responsible for the performance (whether directly or through Subservicers
          or Subcontractors) of a substantial portion of the material servicing
          functions required to be performed by the Company under this Agreement
          or any
          Reconstitution Agreement that are identified in Item 1122(d) of
          Regulation AB.

         

        Tax
          Service Contract:
          A
          transferable contract maintained for the Mortgaged Property with a tax
          service
          provider for the purpose of obtaining current information from local taxing
          authorities relating to such Mortgaged Property.

         

        Third
          Party Originator:
          Each
          Person, other than a Qualified Correspondent, that originated Mortgage
          Loans
          acquired by the Company.

         

        Whole
          Loan Transfer:
          Any
          sale or transfer of some or all of the Mortgage Loans by the Purchaser
          to a
          third party, which sale or transfer is not a Securitization
          Transfer.

         

        SECTION
          2.  Agreement
          to Purchase.

         

        The
          Seller agrees to sell, and the Purchaser agrees to purchase, from time
          to time,
          Mortgage Loans (including the Servicing Rights thereon, with respect to
          each
          Servicing Released Mortgage Loan) having an aggregate principal balance on
          the related Cut-Off Date in an amount as set forth in the related Commitment
          Letter, or in such other amount as agreed by the Purchaser and the Seller
          as
          evidenced by the actual aggregate principal balance of the Mortgage Loans
          accepted by the Purchaser on the related Closing Date.

         

        SECTION
          3.  Mortgage
          Loan Schedules.

         

        The
          Seller shall deliver the Mortgage Loan Schedule for a Mortgage Loan Package
          to
          be purchased on a particular Closing Date to the Purchaser or its Custodian,
          pursuant to a mutually acceptable bailment agreement, at least five
          (5) Business Days prior to the related Closing Date, in electronic
          format.

         

        SECTION
          4.  Purchase
          Price.

         

         (a) The
          Purchase Price for each Servicing Retained Mortgage Loan listed on the
          related
          Mortgage Loan Schedule shall be the percentage of par as stated in the
          related
          Commitment Letter (subject to adjustment as provided therein), multiplied
          by its
          Stated Principal Balance as of the related Cut-Off Date. If so provided
          in the
          related Commitment Letter, portions of the Mortgage Loans shall be priced
          separately.

         

        In
          addition to the Purchase Price as described above, the Purchaser shall
          pay to
          the Seller, at closing, accrued interest on the Stated Principal Balance
          of each
          Servicing Retained Mortgage Loan as of the related Cut-Off Date at its
          Net
          Mortgage Interest Rate from the related Cut-Off Date through the day prior
          to
          the related Closing Date, both inclusive.

         

        The
          Purchaser shall own and be entitled to receive with respect to each Servicing
          Retained Mortgage Loan purchased, (1) all scheduled principal due after the
          related Cut-Off Date, (2) all other recoveries of principal collected after
          the related Cut-Off Date (provided, however, that all scheduled payments
          of
          principal due on or before the related Cut-Off Date and collected by the
          Seller
          after the related Cut-Off Date shall belong to the Seller), and (3) all
          payments of interest on the Servicing Retained Mortgage Loans net of the
          Servicing Fee (minus that portion of any such interest payment that is
          allocable
          to the period prior to the related Cut-Off Date). The Stated Principal
          Balance
          of each Servicing Retained Mortgage Loan as of the related Cut-Off Date
          is
          determined after application to the reduction of principal of payments
          of
          principal due on or before the related Cut-Off Date whether or not collected.
          Therefore, for the purposes of this Agreement, payments of scheduled principal
          and interest prepaid for a Due Date beyond the related Cut-Off Date shall
          not be
          applied to the principal balance as of the related Cut-Off Date. Such prepaid
          amounts (minus the applicable Servicing Fee) shall be the property of the
          Purchaser. The Seller shall deposit any such prepaid amounts into the Custodial
          Account, which account is established for the benefit of the Purchaser,
          for
          remittance by the Seller to the Purchaser on the first related Distribution
          Date. All payments of principal and interest, less the applicable Servicing
          Fee,
          due on a Due Date following the related Cut-Off Date shall belong to the
          Purchaser.

         

        (b)  The
          Purchase Price for each Servicing Released Mortgage .Loan listed on the
          related
          Mortgage Loan Schedule shall be the percentage of par as stated in the
          related
          Commitment Letter (subject to adjustment as provided therein), multiplied
          by its
          Stated Principal Balance as of the related Cut-Off Date. If so provided
          in the
          related Commitment Letter, portions of the Mortgage Loans shall be priced
          separately.

         

        In
          addition to the Purchase Price as described above, the Purchaser shall
          pay to
          the Seller, at closing, accrued interest on the Stated Principal Balance
          of each
          Servicing Released Mortgage Loan as of the related Cut-Off Date at its
          Mortgage
          Interest Rate, from the related Cut-Off Date through the day prior to the
          related Closing Date, both inclusive.

         

        The
          Purchaser shall own and be entitled to receive with respect to each Servicing
          Released Mortgage Loan purchased, all payments collected after the related
          Cut-Off Date.

         

        SECTION
          5.  Examination
          of Mortgage Files.

         

        In
          addition to the rights granted to the Purchaser under the related Commitment
          Letter to underwrite the Mortgage Loans and review the Mortgage Files prior
          to
          the related Closing Date, the Seller shall (a) deliver to the Purchaser or
          its designee in escrow, for examination with respect to each Mortgage Loan
          to be
          purchased on such Closing Date, the related Mortgage File, including the
          Assignment of Mortgage, pertaining to each Mortgage Loan, or (b) make the
          related Mortgage File available as agreed to in the related Commitment
          Letter to
          the Purchaser for examination at the Seller’s offices or such other location as
          shall otherwise be agreed upon by the Purchaser and the Seller. Such examination
          may be made by the Purchaser or its designee at any reasonable time before
          or
          after the related Closing Date. If the Purchaser makes such examination
          prior to
          the related Closing Date and identifies any Mortgage Loans that do not
          conform
          to the terms of the related Commitment Letter or the Purchaser’s underwriting
          standards, such Mortgage Loans may, at the Purchaser’s option, be rejected for
          purchase by the Purchaser. If not purchased by the Purchaser, such Mortgage
          Loans shall be deleted from the related Mortgage Loan Schedule. The Purchaser
          may, at its option and without notice to the Seller, purchase all or part
          of any
          Mortgage Loan Package without conducting any partial or complete examination.
          The fact that the Purchaser has conducted or has determined not to conduct
          any
          partial or complete examination of the Mortgage Files shall not affect
          the
          Purchaser’s (or any of its successors’) rights to demand repurchase or
          other relief or remedy due to a breach of a representation or warranty
          contained
          in Sections 7.01 and 7.02 to the extent provided for in Section 7.03
          of this Agreement.

         

        SECTION
          6.  Conveyance
          from Seller to Purchaser.

         

        Subsection
          6.01  Conveyance
          of Mortgage Loans; Possession of Servicing Files.

         

        The
          Seller, simultaneously with the payment of the Purchase Price, shall execute
          and
          deliver to the Purchaser an Assignment and Conveyance with respect to the
          related Mortgage Loan Package in the form attached hereto as Exhibit 4.
          The
          Servicing File retained by the Seller with respect to each Mortgage Loan
          pursuant to this Agreement shall be appropriately identified in the Seller’s
          computer system to reflect clearly the sale of such related Mortgage Loan
          to the
          Purchaser. The Seller shall release from its custody the contents of any
          Servicing File retained by it only in accordance with this Agreement, except
          when such release is required in connection with a repurchase of any such
          Mortgage Loan pursuant to Subsection 7.03.

         

        Subsection
          6.02  Books
          and Records.

         

        Record
          title to each Mortgage and the related Mortgage Note as of the related
          Closing
          Date shall be in the name of the Seller, the Purchaser or one or more designees
          of the Purchaser, as the Purchaser shall designate. Record title to each
          Mortgage and the related Mortgage Note shall be transferred by Seller to
          Purchaser. Seller shall, with respect to any Mortgage Loan not registered
          with
          the MERS System, prepare and deliver to Purchaser or its designee an original
          Assignment of Mortgage from Seller to Purchaser or in blank. In connection
          with
          the assignment of any MERS Mortgage Loan, the Seller agrees that it will
          cause,
          at the Seller’s expense, the MERS System to indicate that such Mortgage Loans
          have been assigned by the Seller to the Purchaser (or deleting, in the
          case of
          Mortgage Loans which are repurchased in accordance with this Agreement) by
          including in such computer files the information required by the MERS System
          to
          identify the Purchaser and the series in which such Mortgage Loans were
          sold.
          The Seller further agrees that it will not alter the codes referenced in
          this
          paragraph with respect to any Mortgage Loan during the term of this Agreement
          unless and until such Mortgage Loan is repurchased in accordance with the
          terms
          of this Agreement.

         

        Notwithstanding
          the foregoing, beneficial ownership of each Mortgage and the related Mortgage
          Note shall be vested solely in the Purchaser or the appropriate designee
          of the
          Purchaser, as the case may be. All rights arising out of the Mortgage Loans
          including, but not limited to, all funds received by the Seller after the
          related Cut-Off Date on or in connection with a Mortgage Loan as provided
          in
          Section 4 shall be vested in the Purchaser or one or more designees of the
          Purchaser; provided, however, that all such funds received on or in connection
          with a Mortgage Loan as provided in Section 4 shall be received and held by
          the Seller in trust for the benefit of the Purchaser or the assignee of
          the
          Purchaser, as the case may be, as the owner of the Mortgage Loans pursuant
          to
          the terms of this Agreement.

         

        It
          is the
          express intention of the parties that the transactions contemplated by
          this
          Agreement be, and be construed as, a sale of the Mortgage Loans by the
          Seller
          and not a pledge of the Mortgage Loans by the Seller to the Purchaser to
          secure
          a debt or other obligation of the Seller. Consequently, the sale of each
          Mortgage Loan shall be reflected as a sale on the Seller’s business records, tax
          returns and financial statements.

         

        The
          Seller shall maintain a set of books and records for each Mortgage Loan
          which
          shall be marked clearly to reflect the ownership of each Mortgage Loan
          by the
          Purchaser. In particular, the Seller shall maintain in its possession,
          available
          for inspection by the Purchaser, and shall deliver to the Purchaser upon
          demand,
          evidence of compliance with all federal, state and local laws, and regulations.
          To the extent that original documents are not required for purposes of
          realization of Liquidation Proceeds or Insurance Proceeds, documents maintained
          by the Seller may be in the form of microfilm or microfiche so long as
          the
          Seller complies with the requirements of the Fannie Mae Guides.

         

        Subsection
          6.03  Delivery
          of Mortgage Loan Documents.

         

        The
          Seller shall from time to time in connection with each Closing Date, at
          least
          five (5) Business Days prior to such Closing Date, deliver and release to
          the Purchaser or its designee, pursuant to a mutually acceptable bailment
          letter, the Mortgage Loan Documents with respect to each Mortgage Loan
          to be
          purchased and sold on the related Closing Date and set forth on the related
          Mortgage Loan Schedule.

         

        If
          the
          Seller cannot deliver the original recorded Mortgage Loan Documents or
          the
          original policy of title insurance, including riders and endorsements thereto,
          at least five (5) Business Days prior to the related Closing Date, the
          Seller shall, promptly upon receipt thereof, deliver such original documents,
          including original recorded documents, to the Purchaser or its
          designee.

         

        The
          Custodian shall certify its receipt of all such Mortgage Loan Documents
          required
          to be delivered pursuant to the Custodial Agreement for the related Closing
          Date, as evidenced by the Trust Receipt and Initial Certification of the
          Custodian in the form annexed to the Custodial Agreement. The fees and
          expenses
          of the Custodian shall be paid by the Purchaser.

         

        In
          the
          event that new, replacement, substitute or additional Stock Certificates
          are
          issued with respect to existing Cooperative Shares, the Seller shall within
          thirty (30) Business Days deliver to the Custodian the new Stock
          Certificates, together with the related Stock Powers in blank. Such new
          Stock
          Certificates shall be subject to the related Pledge Instruments and shall
          be
          subject to all of the terms, covenants and conditions of this
          Agreement.

         

        SECTION
          7.  Representations,
          Warranties and Covenants of the Seller; Remedies for Breach.

         

        Subsection
          7.01  Representations
          and Warranties Respecting the Seller.

         

        The
          Seller represents, warrants and covenants to the Purchaser, its successors
          and
          assigns that as of the initial Closing Date and each subsequent Closing
          Date or
          as of such date specifically provided herein or in the applicable Assignment
          and
          Conveyance:

         

        (i)  The
          Seller is duly organized, validly existing and in good standing under the
          laws
          of the state of its formation and has all licenses necessary to carry on
          its
          business as now being conducted. It is licensed in, qualified to transact
          business in and is in good standing under the laws of the state in which
          any
          Mortgaged Property is located and is and will remain in compliance with
          the laws
          of each state in which any Mortgaged Property is located to the extent
          necessary
          to ensure the enforceability of each Mortgage Loan and the servicing of
          the
          Mortgage Loan in accordance with the terms of this Agreement.

         

        (ii)  The
          Seller has the full power and authority to hold each Mortgage Loan, to
          sell each
          Mortgage Loan, and to execute, deliver and perform, and to enter into and
          consummate, all transactions contemplated by this Agreement. The Seller
          has duly
          authorized the execution, delivery and performance of this Agreement, has
          duly
          executed and delivered this Agreement, and this Agreement, assuming due
          authorization, execution and delivery by the Purchaser, constitutes a legal,
          valid and binding obligation of the Seller, enforceable against it in accordance
          with its terms except as the enforceability thereof may be limited by
          bankruptcy, insolvency or reorganization;

         

        (iii)  The
          execution and delivery of this Agreement by the Seller and the performance
          of
          and compliance with the terms of this Agreement will not violate the Seller’s
          articles of incorporation or by laws or constitute a default under or result
          in
          a breach or acceleration of, any material contract, agreement or other
          instrument to which the Seller is a party or which may be applicable to
          the
          Seller or its assets;

         

        (iv)  The
          Seller is not in violation of, and the execution and delivery of this Agreement
          by the Seller and its performance and compliance with the terms of this
          Agreement will not constitute a violation with respect to, any order or
          decree
          of any court or any order or regulation of any federal, state, municipal
          or
          governmental agency having jurisdiction over the Seller or its assets,
          which
          violation might have consequences that would materially and adversely affect
          the
          condition (financial or otherwise) or the operation of the Seller or its
          assets or might have consequences that would materially and adversely affect
          the
          performance of its obligations and duties hereunder;

         

        (v)  The
          Seller is an approved seller/servicer for Fannie Mae and Freddie Mac in
          good
          standing and is a HUD approved mortgagee pursuant to Section 203 of the
          National Housing Act. No event has occurred, including but not limited
          to a
          change in insurance coverage, which would make the Seller unable to comply
          with
          Fannie Mae, Freddie Mac or HUD eligibility requirements or which would
          require
          notification to Fannie Mae, Freddie Mac or HUD;

         

        (vi)  The
          Seller does not believe, nor does it have any reason or cause to believe,
          that
          it cannot perform each and every covenant contained in this
          Agreement;

         

        (vii)  There
          are
          no actions or proceedings against, or investigations of, the Seller before
          any
          court, administrative or other tribunal (a) that might prohibit its
          entering into this Agreement, (b) seeking to prevent the sale of the
          Mortgage Loans or the consummation of the transactions contemplated by
          this
          Agreement or (c) that might prohibit or materially and adversely affect the
          performance by the Seller of its obligations under, or the validity or
          enforceability of, this Agreement;

         

        (viii)  No
          consent, approval, authorization or order of any court or governmental
          agency or
          body is required for the execution, delivery and performance by the Seller
          of,
          or compliance by the Seller with, this Agreement or the consummation of
          the
          transactions contemplated by this Agreement, except for such consents,
          approvals, authorizations or orders, if any, that have been obtained prior
          to
          the Closing Date;

         

        (ix)  The
          consummation of the transactions contemplated by this Agreement are in
          the
          ordinary course of business of the Seller, and the transfer, assignment
          and
          conveyance of the Mortgage Notes and the Mortgages by the Seller pursuant
          to
          this Agreement are not subject to the bulk transfer or any similar statutory
          provisions;

         

        (x)  To
          the
          extent any Mortgage Loan is a MERS Mortgage Loan, the Seller is a member
          of MERS
          in good standing, will comply in all material respects with the rules and
          procedures of MERS and is current in payment of all fees and assessments
          imposed
          by MERS;

         

        (xi)  The
          Seller is solvent and will not be rendered insolvent by the consummation
          of the
          transactions contemplated hereby. The Seller is not transferring any Mortgage
          Loan with any intent to hinder; delay or defraud any of its
          creditors;

         

        (xii)  [Reserved];

         

        (xiii)  No
          Untrue Information.
          Neither
          this Agreement nor any information, or other document furnished pursuant
          to this
          Agreement with respect to the Seller in connection with the transactions
          contemplated hereby contains any untrue statement of fact or omits or will
          omit
          to state a fact necessary to make the statements contained herein or therein
          not
          misleading;

         

        (xiv)  Financial
          Statements.
          The
          Seller has delivered to the Purchaser financial statements as to its last
          two
          complete fiscal years and any later quarter ended more than 60 days prior
          to the
          execution of this Agreement. All such financial statements fairly present
          the
          pertinent results of operations and changes in financial position for each
          of
          such periods and the financial position at the end of each such period
          of the
          Seller and its subsidiaries and have been prepared in accordance with generally
          accepted accounting principles consistently applied throughout the periods
          involved, except as set forth in the notes thereto. There has been no change
          in
          the business, operations, financial condition, properties or assets of
          the
          Seller since the date of the Seller’s financial statements that would have a
          material adverse effect on its ability to perform its obligations under
          this
          Agreement;

         

        (xv)  No
          Brokers.
          The
          Seller has not dealt with any broker, investment banker, agent or other
          person
          that may be entitled to any commission or compensation from Purchaser in
          connection with the sale of the Mortgage Loans;

         

        (xvi)  Sale
          Treatment.
          The
          Seller intends to reflect the transfer of the Mortgage Loans as a sale
          on the
          books and records of the Seller and the Seller has determined that the
          disposition of the Mortgage Loans pursuant to this Agreement will be afforded
          sale treatment for tax and accounting purposes;

         

        (xvii)  Owner
          of Record.
          Except
          for a MERS Designated Mortgage Loan, the Seller is the owner of record
          of each
          Mortgage and the indebtedness evidenced by each Mortgage Note, except for
          any
          Assignments of Mortgage which have been sent for recording, and upon recordation
          the Seller will be the owner of record of each Mortgage and the indebtedness
          evidenced by each Mortgage Note, and upon the sale of the Mortgage Loans
          to the
          Purchaser, the Seller will retain the Mortgage Files with respect thereto
          in
          trust only for the purpose of servicing and supervising the servicing of
          each
          Mortgage Loan;

         

        (xviii)  Reasonable
          Purchase Price.
          The
          Seller deems the consideration received upon the sale of the Mortgage Loans
          under this Agreement to be fair consideration and reasonably equivalent
          value
          for the Mortgage Loans;

         

        (xix)  Seller’s
          Origination.
          The
          Seller’s decision to originate any mortgage loan or to deny any mortgage loan
          application is an independent decision based upon Seller’s underwriting
          guidelines, and is in no way made as a result of Purchaser’s decision to
          purchase, or not to purchase, or the price Purchaser may offer to pay for,
          any
          such mortgage loan, if originated; and

         

        (xx)  Reports.
          On or
          prior to the date which is two Business Days after the related Servicing
          Transfer Date, Seller shall cause MERS to reflect the Purchaser or its
          designee
          as Investor with respect to each MERS Designated Mortgage Loan and no Person
          as
          Interim Funder for each MERS Designated Mortgage Loan.

         

        Subsection
          7.02  Representations
          and Warranties Regarding Individual Mortgage Loans.

         

        The
          Seller hereby represents and warrants to the Purchaser that, as to each
          Mortgage
          Loan, as of the related Closing Date for such Mortgage Loan:

         

        (i)  Mortgage
          Loans as Described.
          The
          information set forth in the Mortgage Loan Schedule with respect to the
          Mortgage
          Loan is complete, true and correct in all material respects;

         

        (ii)  Payments
          Current.
          All
          payments required to be made up to the related Closing Date for the Mortgage
          Loan under the terms of the Mortgage Note, other than payments for which
          the
          related due date was not thirty or more days prior to the related Closing
          Date,
          have been made and credited. No Mortgage Loan has been delinquent more
          than one
          time for thirty or more days at any time since the origination of the Mortgage
          Loan;

         

        (iii)  No
          Outstanding Charges.
          There
          are no defaults in complying with the terms of the Mortgage securing the
          Mortgage Loan, and all taxes governmental assessments, insurance premiums,
          water, sewer and municipal charges, leasehold payments or ground rents
          which
          previously became due and owing have been paid, or an escrow of funds has
          been
          established in an amount sufficient to pay for every such Item which
          remains unpaid and which has been assessed but is not yet due and payable.
          The
          Seller has not advanced funds, or induced, solicited or knowingly received
          any
          advance of funds by a party other than the Mortgagor, directly or indirectly,
          for the payment of any amount required under the Mortgage Loan;

         

        (iv)  Original
          Terms Unmodified.
          The
          terms of the Mortgage Note and (x) with respect to each Mortgage Loan, the
          Mortgage and (y) with respect to each Cooperative Loan, the Pledge
          Agreement, the Proprietary Lease, and the Pledge Instruments and Mortgage
          have
          not been impaired, waived, altered or modified in any respect, from the
          date the
          Seller originated or acquired the Mortgage Loans. No Mortgage Loan has
          been
          modified so as to restructure the payment obligations or re-age the Mortgage
          Loan. The substance of any such waiver, alteration or modification has
          been
          approved by the title insurer, if any, to the extent required by the policy,
          and
          its terms are reflected on the related Mortgage Loan Schedule, if applicable.
          No
          Mortgagor in respect of the Mortgage Loan has been released, in whole or
          in
          part, except in connection with an assumption agreement, which assumption
          agreement is part of the Mortgage File delivered to the Purchaser or its
          designee and the terms of which are reflected in the related Mortgage Loan
          Schedule

         

        (v)  No
          Defenses.
          The
          Mortgage Note and (x) with respect to each Mortgage Loan, the Mortgage and,
          (y) with respect to each Cooperative Loan, the Pledge Agreement are not
          subject to any right of rescission, setoff, counterclaim or defense, including
          without limitation the defense of usury, nor will the operation of any
          of the
          terms of the Mortgage Note or the Mortgage, or the exercise of any right
          thereunder, render either the Mortgage Note or the Mortgage unenforceable,
          in
          whole or in part and no Mortgagor was a debtor in any state or Federal
          bankruptcy or insolvency proceeding at the time the Mortgage Loan was
          originated;

         

        (vi)  Hazard
          Insurance.
          All
          buildings or other improvements upon the Mortgaged Property and with respect
          to
          any Cooperative Loan, the related Project are insured by an insurer against
          loss
          by fire, hazards of extended coverage and such other hazards as are customary
          in
          the area where the Mortgaged Property is located pursuant to policies which
          conform to the requirements of Accepted Servicing Practices. With respect
          to any
          Mortgage Loan, all such insurance policies contain a standard mortgagee
          clause
          naming the Seller, its successors and assigns as mortgagee and all premiums
          thereon have been paid. If the Mortgaged Property is in an area identified
          on a
          Flood Hazard Map or Flood Insurance Rate Map issued by the Federal Emergency
          Management Agency as having special flood hazards (and such flood insurance
          has
          been made available) a flood insurance policy meeting the requirements of
          the current guidelines of the Federal Insurance Administration is in effect
          and
          conforms to Fannie Mae requirements. The Mortgage obligates the Mortgagor
          thereunder to maintain all such insurance at the Mortgagor’s cost and expense,
          and on the Mortgagor’s failure to do so, authorizes the holder of the Mortgage
          to maintain such insurance at Mortgagor’s cost and expense and to seek
          reimbursement therefor from the Mortgagor. All premiums due and owing on
          such
          insurance policy have been paid;

         

        (vii)  Compliance
          with Laws.
          Any and
          all requirements of any federal, state or local law including, without
          limitation, all predatory and abusive lending, usury, truth in lending,
          real
          estate settlement procedures, consumer credit protection, equal credit
          opportunity, fair housing or disclosure laws applicable to the origination
          and
          servicing of such Mortgage Loan have been complied with;

         

        (viii)  No
          Satisfaction of Mortgage.
          The
          Mortgage has not been satisfied, canceled, subordinated or rescinded, in
          whole
          or in part, and the Mortgaged Property has not been released from the lien
          of
          the Mortgage, in whole or in part, nor has any instrument been executed
          that
          would effect any such release, cancellation, subordination or rescission.
          The
          Seller has not waived the performance by the Mortgagor of any action, if
          the
          Mortgagor’s failure to perform such action would cause the Mortgage Loan to be
          in default, nor has the Seller waived any default resulting from any action
          or
          inaction by the Mortgagor;

         

        (ix)  Location
          and Type of Mortgaged Property.
          The
          Mortgaged Property is located in the state identified in the Mortgage Loan
          Schedule and consists of a single parcel of real property with a detached
          single
          family residence erected thereon or a townhouse, or a two to four family
          dwelling, a cooperative unit, or an individual condominium unit in a condominium
          project, or an individual unit in a planned unit development or a de minimis
          planned unit development

         

        (x)  Valid
          Lien.
          The
          related Mortgage is properly recorded or has been sent for recording and
          is a
          valid, existing and enforceable (a) first lien and first priority security
          interest with respect to each Mortgage Loan which is indicated by the Seller
          to
          be a First Lien, or (b) second lien and second priority security interest
          with respect to each Mortgage Loan which is indicated by the Seller to
          be a
          second lien, in either case, on the Mortgaged Property including all
          improvements on the Mortgaged Property subject only to (a) the lien of
          current real property taxes and assessments not yet due and payable,
          (b) covenants, conditions and restrictions, rights of way, easements and
          other matters of the public record as of the date of recording being acceptable
          to mortgage lending institutions generally and specifically referred to
          in the
          lender’s title insurance policy delivered to the originator of the Mortgage Loan
          and which do not adversely affect the Appraised Value of the Mortgaged
          Property,
          (c) other matters to which like properties are commonly subject which do
          not materially interfere with the benefits of the security intended to
          be
          provided by the Mortgage or the use, enjoyment, value or marketability
          of the
          related Mortgaged Property and (d) with respect to each Mortgage Loan which
          is indicated by the Seller to be a Second Lien Mortgage Loan a First Lien
          on the
          Mortgaged Property. Any security agreement, chattel mortgage or equivalent
          document related to and delivered in connection with the Mortgage Loan
          establishes and creates a valid, existing and enforceable (a) first lien
          and first priority security interest with respect to each Mortgage Loan
          which is
          indicated by the Seller to be a First Lien or (b) second lien and second
          priority security interest with respect to each Mortgage Loan which is
          indicated
          by the Seller to be a Second Lien Mortgage Loan, in either case, on the
          property
          described therein and the Seller has full right to sell and assign the
          same to
          the Purchaser. The Mortgaged Property was not, as of the date of origination
          of
          the Mortgage Loan, subject to a mortgage, deed of trust, deed to secure
          debt or
          other security instrument creating a lien subordinate to the lien of the
          Mortgage;

         

        (xi)  Validity
          of Mortgage Documents.
          The
          Mortgage Note and, (x) with respect to each Mortgage Loan, the related
          Mortgage and (y) with respect to each Cooperative Loan, the Pledge
          Agreement, are and any other agreement executed and delivered by a Mortgagor
          in
          connection with a Mortgage Loan are genuine, and each is the legal, valid
          and
          binding obligation of the maker thereof enforceable in accordance with
          its terms
          (including, without limitation, any provisions therein relating to Prepayment
          Charges);

         

        (xii)  Full
          Disbursement of Proceeds.
          The
          proceeds of the Mortgage Loan have been fully disbursed and there is no
          further
          requirement for future advances thereunder, and any and all requirements
          as to
          completion of any on site or off site improvement and as to disbursements of any
          escrow funds therefor have been complied with or completion escrows have
          been
          disclosed. All costs, fees and expenses incurred in making or closing the
          Mortgage Loan and the recording of the Mortgage were paid, and the Mortgagor
          is
          not entitled to any refund of any amounts paid or due under the Mortgage
          Note or
          Mortgage;

         

        (xiii)  Ownership.
          The
          Mortgage Loan is not assigned or pledged, and the Seller has good and marketable
          title thereto, and has full right to transfer, pledge and assign the Mortgage
          Loan (and with respect to any Cooperative Loan, the Pledge Agreement) to
          the Purchaser free and clear of any encumbrance, participation interest,
          equity,
          lien, pledge, charge, claim or security interest;

         

        (xiv)  CLTV,
          LTV.
          No
          Mortgage Loan that is a Second Lien Mortgage Loan has a CLTV in excess
          of 100%.
          No Mortgage Loan has an LTV greater than 100%.

         

        (xv)  Title
          Insurance.
          The
          Mortgage Loan is covered by a generally acceptable lender’s title insurance
          policy, issued by a title insurer qualified to do business in the jurisdiction
          where the Mortgaged Property is located, insuring the Seller, its successors
          and
          assigns as to the second priority lien of the Mortgage in the original
          principal
          amount of the Mortgage Loan. The Seller is the sole insured of such lender’s
          title insurance policy, and such lender’s title insurance policy is in full
          force and effect and will be in full force and effect upon the consummation
          of
          the transactions contemplated by this Agreement. No claims have been made
          under
          such lender’s title insurance policy, and the Seller has not done anything which
          would impair the coverage of such lender’s title insurance policy;

         

        (xvi)  No
          Defaults.
          There
          is no default, breach, violation or event of acceleration existing under
          the
          Mortgage or the Mortgage Note and no event has occurred which, with the
          passage
          of time or with notice and the expiration of any grace or cure period,
          would
          constitute a default, breach, violation or event of acceleration and neither
          the
          Seller nor any of its affiliates nor any of their respective predecessors,
          have
          waived any default, breach, violation or event which would permit acceleration.
          With respect to each Second Lien Mortgage Loan, (i) the prior mortgage is
          in full force and effect, (ii) there is no default, breach, violation or
          event of acceleration existing under such prior mortgage or the related
          mortgage
          note, (iii) as of the related Closing Date, no event which, with the
          passage of time or with notice and the expiration of any grace or cure
          period,
          would constitute a default, breach, violation or event of acceleration
          thereunder, and either (a) the prior mortgage contains a provision which
          allows or (b) applicable law requires, the mortgagee under the Second Lien
          Mortgage Loan to receive notice of, and affords such mortgagee an opportunity
          to
          cure any default by payment in full or otherwise under the prior
          mortgage;

         

        (xvii)  No
          Mechanics’ Liens.
          There
          are no mechanics’ or similar liens or claims which have been filed for work,
          labor or material (and no rights are outstanding that under the law could
          give
          rise to such liens) affecting the Mortgaged Property which are or may be
          liens prior to, or equal or coordinate with the lien of the
          Mortgage;

         

        (xviii)  Location
          of Improvements.
          No
          Encroachments. At origination, all improvements which were considered in
          determining the appraised value of the Mortgaged Property lay wholly within
          the
          boundaries and building restriction lines of the Mortgaged Property, and
          no
          improvements on adjoining properties encroach upon the Mortgaged
          Property;

         

        (xix)  Origination;
          Payment Terms.
          The
          Mortgage Loan was originated by a mortgagee approved by the Secretary of
          Housing
          and Urban Development pursuant to Sections 203 and 211 of the National
          Housing Act, a savings and loan association, a savings bank, a commercial
          bank,
          credit union, insurance company or other similar institution which is supervised
          and examined by a federal or state authority. The documents, instruments
          and
          agreements submitted for loan underwriting were not falsified and contain
          no
          untrue statement of material fact or omit to state a material fact required
          to
          be stated therein or necessary to make the information and statements therein
          not misleading.

         

        (xx)  Customary
          Provisions.
          The
          Mortgage contains customary and enforceable provisions such as to render
          the
          rights and remedies of the holder thereof adequate for the realization
          against
          the Mortgaged Property of the benefits of the security provided thereby,
          including, (i) in the case of a Mortgage designated as a deed of trust, by
          trustee’s sale, and (ii) otherwise by judicial foreclosure. There is no
          homestead or other exemption available to a Mortgagor which would interfere
          with
          the right to sell the Mortgaged Property at a trustee’s sale or the right to
          foreclose the Mortgage;

         

        (xxi)  Occupancy
          of the Mortgaged Property.
          The
          Mortgaged Property is lawfully occupied under applicable law. All inspections,
          licenses and certificates required to be made or issued with respect to
          all
          occupied portions of the Mortgaged Property and, with respect to the use
          and
          occupancy of the same, including but not limited to certificates of occupancy
          and fire underwriting certificates, have been made or obtained from the
          appropriate authorities;

         

        (xxii)  No
          Additional Collateral.
          The
          Mortgage Note is not and has not been secured by any collateral except
          the lien
          of the corresponding first and second Mortgage and the security interest
          of any
          applicable security agreement or chattel mortgage referred to in clause
          (j) above;

         

        (xxiii)  Deeds
          of Trust.
          In the
          event the Mortgage constitutes a deed of trust, a trustee, authorized and
          duly
          qualified under applicable law to serve as such, has been properly designated
          and currently so serves and is named in the Mortgage, and no fees or expenses
          are or will become payable by the Purchaser to the trustee under the deed
          of
          trust, except in connection with a trustee’s sale after default by the
          Mortgagor;

         

        (xxiv)  Delivery
          of Mortgage Documents.
          The
          Mortgage Note, the Mortgage and the Assignment of Mortgage for each Mortgage
          Loan have been delivered to the Purchaser or its designee;

         

        (xxv)  Transfer
          of Mortgage Loans.
          The
          Assignment of Mortgage, if any, is in recordable form and is acceptable
          for
          recording under the laws of the jurisdiction in which the Mortgaged Property
          is
          located;

         

        (xxvi)  Due-On-Sale.
          With
          respect to each Fixed Rate Mortgage Loan, the Mortgage contains an enforceable
          provision for the acceleration of the payment of the unpaid principal balance
          of
          the Mortgage Loan in the event that the Mortgaged Property is sold or
          transferred without the prior written consent of the mortgagee thereunder,
          and
          such provision is enforceable;

         

        (xxvii)  Assumability.
          With
          respect to each Adjustable Rate Mortgage Loan, the Mortgage Loan Documents
          provide that after the related first Interest Rate Adjustment Date, a related
          Mortgage Loan may only be assumed if the party assuming such Mortgage Loan
          meets
          certain credit requirements stated in the Mortgage Loan Documents;

         

        (xxviii)  No
          Buydown Provisions; No Graduated Payments or Contingent
          Interests.
          No
          Servicing Released Mortgage Loan contains provisions pursuant to which
          Monthly
          Payments are paid or partially paid with funds deposited in any separate
          account
          established by the Seller, the Mortgagor, or anyone on behalf of the Mortgagor,
          or paid by any source other than the Mortgagor nor does it contain any
          other
          similar provisions which may constitute a “buydown” provision. With respect to
          each Servicing Retained Mortgage Loan that is a Buydown Mortgage Loan:
          (1) On or before the date of origination of such Mortgage Loan, the Seller
          and the Mortgagor, or the Seller, the Mortgagor and the seller of the Mortgaged
          Property or a third party entered into a Buydown Agreement. The Buydown
          Agreement provides that the seller of the Mortgaged Property (or third
          party) shall deliver to the Seller temporary Buydown Funds in an amount
          equal to the aggregate undiscounted amount of payments that, when added
          to the
          amount the Mortgagor on such Mortgage Loan is obligated to pay on each
          Due Date
          in accordance with the terms of the Buydown Agreement, is equal to the
          full
          scheduled Monthly Payment due on such Mortgage Loan. The temporary Buydown
          Funds
          enable the Mortgagor to qualify for the Buydown Mortgage Loan. The effective
          interest rate of a Buydown Mortgage Loan if less than the interest rate
          set
          forth in the related Mortgage Note will increase within the Buydown Period
          as
          provided in the related Buydown Agreement so that the effective interest
          rate
          will be equal to the interest rate as set forth in the related Mortgage
          Note.
          All Buydown Funds required to make the full payment of principal and interest
          under each Buydown Loan are in the Buydown Account held by the Company
          in its
          capacity as servicer. The Buydown Mortgage Loan satisfies the requirements
          the
          Underwriting Guidelines; (2) The Mortgage and Mortgage Note reflect the
          permanent payment terms rather than the payment terms of the Buydown Agreement.
          The Buydown Agreement provides for the payment by the Mortgagor of the
          full
          amount of the Monthly Payment on any Due Date that the Buydown Funds are
          not
          available. The Buydown Funds were not used to reduce the original principal
          balance of the Mortgage Loan or to increase the Appraised Value of the
          Mortgage
          Property when calculating the Loan-to-Value Ratios for purposes of the
          Agreement; (3) The Buydown Funds may not be refunded to the Mortgagor
          unless the Mortgagor makes a principal payment for the outstanding balance
          of
          the Mortgage Loan; (4) As of the date of origination of the Mortgage Loan,
          the provisions of the related Buydown Agreement complied with the Underwriting
          Guidelines.

         

        The
          Mortgage Loan is not a graduated payment mortgage loan and the Mortgage
          Loan
          does not have a shared appreciation or other contingent interest
          feature;

         

        (xxix)  Mortgaged
          Property Undamaged.
          The
          Mortgaged Property was undamaged by waste, fire, earthquake or earth movement,
          windstorm, flood, hurricane, tornado or other casualty so as to affect
          adversely
          the value of the Mortgaged Property as security for the Mortgage Loan.
          There
          have not been any condemnation proceedings with respect to the Mortgaged
          Property and the Seller has no knowledge of any such proceedings;

         

        (xxx)  Collection
          Practices.
          The
          collection practices used by the Seller with respect to the Mortgage Loan
          have
          been in all material respects in compliance with generally accepted servicing
          practices, applicable laws and regulations, and have been in all respects
          legal
          and proper.

         

        (xxxi)  Delivery.
          The
          Mortgage Note, the Mortgage, the Assignment of Mortgage and any other documents
          required to be delivered with respect to each Mortgage Loan pursuant to
          this
          Agreement have been delivered to the Purchaser all in compliance with the
          specific requirements of this Agreement. With respect to each Mortgage
          Loan, the
          Seller is in possession of a complete Servicing File;

         

        (xxxii)  Record
          Title.
          Immediately prior to the payment of the Purchase Price for each Mortgage
          Loan,
          the Seller was the owner of record of the related Mortgage and the indebtedness
          evidenced by the related Mortgage Note and upon the payment of the Purchase
          Price by the Purchaser, in the event that the Seller retains record title,
          the
          Seller shall retain such record title to each Mortgage Loan, in trust for
          the
          Purchaser as the owner thereof and only for the purpose of servicing and
          supervising the servicing of each Mortgage Loan;

         

        (xxxiii)  Appraisal.
          The
          Mortgage Loan File contains an appraisal of the related Mortgaged Property
          signed prior to the approval of the Mortgage Loan application, by a qualified
          appraiser who had no interest, direct or indirect in the Mortgaged Property
          or
          in any loan made on the security thereof, and; whose compensation is not
          affected by the approval or disapproval of the Mortgage Loan, and the appraisal
          and appraiser both satisfy the requirements of Fannie Mae or Freddie Mac
          and
          Title XI of the Financial Institutions Reform, Recovery, and Enforcement
          Act of
          1989 and the regulations promulgated thereunder, all as in effect on the
          date
          the Mortgage Loan was originated;

         

        (xxxiv)  Mortgage
          Loans.
          Principal payments on the Mortgage Loan commenced no more than sixty days
          after
          the proceeds of the Mortgage Loan were disbursed. The Mortgage Loan bears
          interest at the Mortgage Interest Rate. With respect to each Mortgage Loan,
          the
          Mortgage Note is payable on the related Due Date in Monthly Payments, which,
          in
          the case of a Fixed Rate Mortgage Loan, are sufficient to fully amortize
          the
          original principal balance over the original term thereof and to pay interest
          at
          the related Mortgage Interest Rate, and in the case of an Adjustable Rate
          Mortgage Loan, are changed on each Adjustment Date, and in any case, are
          sufficient to fully amortize the original principal balance over the original
          term thereof and to pay interest at the related Mortgage Interest Rate
          are
          changed on each Adjustment Date, and are sufficient to fully amortize the
          original principal balance over the original term thereof and to pay interest
          at
          the related Mortgage Interest Rate. The Index for each Mortgage Loan is
          as
          defined in the Mortgage Loan Schedule. The Mortgage Note does not permit
          negative amortization. No Mortgage Loan is a Convertible Mortgage
          Loan;

         

        (xxxv)  Origination.
          The
          origination and collection practices used by the Seller with respect to
          each
          Mortgage Note and Mortgage have been in all respects legal, proper, prudent
          and
          customary in the mortgage origination and servicing industry. The Mortgage
          Loan
          has been serviced by the Seller and any predecessor servicer in accordance
          with
          the terms of the Mortgage Note. With respect to each Adjustable Rate Mortgage
          Loan, all interest rate adjustments have been performed in accordance with
          the
          terms of the related Mortgage Note. With respect to escrow deposits and
          Escrow
          Payments, if any, all such payments are in the possession of, or under
          the
          control of, the Seller and there exist no deficiencies in connection therewith
          for which customary arrangements for repayment thereof have not been made.
          No
          escrow deposits or Escrow Payments or other charges or payments due the
          Seller
          have been capitalized under any Mortgage or the related Mortgage Note and
          no
          such escrow deposits or Escrow Payments are being held by the Seller for
          any
          work on a Mortgaged Property which has not been completed;

         

        (xxxvi)  Cooperative
          Loans.
          With
          respect to each Cooperative Loan:

         

        	(i)  	
                The
                  Cooperative Shares are held by a person as a tenant stockholder
                  in a
                  Cooperative. To the best of the Seller’s knowledge, each Cooperative
                  Apartment is an owner occupied, primary residence. To the best
                  of the
                  Seller’s knowledge none of the Cooperative Apartments are used as
                  investment properties or secondary residences. Each original UCC
                  financing
                  statement, continuation statement or other governmental filing
                  or
                  recordation necessary to create or preserve the perfection and
                  priority of
                  the first lien and security interest in the Cooperative Loan and
                  Proprietary Lease has been timely and properly made. Any security
                  agreement, chattel mortgage or equivalent document related to the
                  Cooperative Loan and delivered to Purchaser or its designee establishes
                  in
                  Purchaser a valid and subsisting perfected first lien on and security
                  interest in the Mortgaged Property described therein, and Purchaser
                  has
                  full right to sell and assign the same;

              

         

        	(ii)  	
                A
                  Cooperative Lien Search, which includes errors and omissions insurance
                  at
                  a minimum of $100,000 per Cooperative Loan, has been made by a
                  company
                  competent to make the same which company is acceptable to the Seller
                  and
                  qualified to do business in the jurisdiction where the Cooperative
                  is
                  located;

              

         

        	(iii)  	
                (a) The
                  term of the related Proprietary Lease is not less than the term
                  of the
                  Cooperative Loan; (b) there is no provision in any Proprietary Lease
                  which requires the Mortgagor to offer for sale the Cooperative
                  Shares
                  owned by such Mortgagor first to the Cooperative; (c) there is no
                  prohibition in any Proprietary Lease against pledging the Cooperative
                  Shares or assigning the Proprietary Lease; (d) the Cooperative has
                  been created and exists in full compliance with the requirements
                  for
                  residential cooperatives in the jurisdiction in which the Project
                  is
                  located and qualifies as a cooperative housing corporation under
                  Section 210 of the Code; (e) the Recognition Agreement is on a
                  form published by Aztech Document Services, Inc. or includes similar
                  provisions; (f) the Cooperative has good and marketable title to the
                  Project, and owns the Project either in fee simple or under a leasehold
                  that complies with the requirements of the Fannie Mae Selling and
                  Servicing Guides; such title is free and clear of any adverse liens
                  or
                  encumbrances, except the lien of any blanket mortgage and existing
                  secondary financing; and (g) the Cooperative must meet the
                  requirements of the Fannie Mae Single Family Guides or Fannie Mae
                  Multi
                  Family Guides as an eligible project under the Fannie Mae Type
                  I Program
                  or under the NYC Pilot Program as set forth in the M&T Mortgage
                  Corporation Correspondent Seller Guide;

              

         

        	(iv)  	
                The
                  Seller has the right under the terms of the Mortgage Note, Pledge
                  Agreement and Recognition Agreement to pay any maintenance charges
                  or
                  assessments owed by the Mortgagor;

              

         

        	(v)  	
                Each
                  Stock Power (a) has all signatures guaranteed or (b) if all
                  signatures are not guaranteed, then such Cooperative Shares will
                  be
                  transferred by the stock transfer agent of the Cooperative if The
                  Seller
                  undertakes to convert the ownership of the collateral securing
                  the related
                  Cooperative Loan;

              

         

        	(vi)  	
                Each
                  Pledge Agreement contains enforceable provisions such as to render
                  the
                  rights and remedies of the holder thereof adequate for the realization
                  of
                  the benefits of the security provided thereby. The Pledge Agreement
                  contains an enforceable provision for the acceleration of the payment
                  of
                  the unpaid principal balance of the Mortgage Note in the event
                  the
                  Cooperative Apartment is transferred or sold without the consent
                  of the
                  holder thereof; and

              

         

        	(vii)  	
                The
                  related Cooperative Apartment, is lawfully occupied under applicable
                  law;
                  all inspections, licenses and certificates required to be made
                  or issued
                  with respect to all occupied portions of the Cooperative Apartment
                  and the
                  related Project and, with respect to the use and occupancy of the
                  same,
                  including but not limited to certificates of occupancy, have been
                  made or
                  obtained from the appropriate
                  authorities;

              

         

        (xxxvii)  Mortgage
          Loan Characteristics.
          The
          Mortgage Loan is in compliance with all requirements set forth in the related
          Commitment Letter, and the characteristics of the related Mortgage Loan
          Package
          as set forth in the related Commitment Letter are true and correct;

         

        (xxxviii)  Legal
          Capacity.
          All
          parties to the Mortgage Note and the Mortgage had legal capacity to enter
          into
          the Mortgage Loan and to execute and deliver the Mortgage Note and the
          Mortgage,
          and the Mortgage Note and the Mortgage have been duly and properly executed
          by
          such parties;

         

        (xxxix)  Licenses.
          The
          Seller, whether as mortgagee, assignee or otherwise, is (or, during the
          period
          in which they held and disposed of such interest, were) in compliance with
          any and all applicable “doing business” and licensing requirements of the laws
          of the state wherein the Mortgaged Property is located;

         

        (xl)  Underwriting.
          The
          Mortgage Loan was underwritten in accordance with the M&T Mortgage
          Corporation Correspondent Seller Guide in effect at the time the Mortgage
          Loan
          was originated;

         

        (xli)  Required
          Disclosures.
          The
          Mortgagor has received all disclosure materials required by applicable
          law with
          respect to the making of fixed rate loans in the case of Fixed Rate Mortgage
          Loans, and adjustable rate loans in the case of Adjustable Rate Mortgage
          Loans
          and rescission materials with respect to Refinanced Mortgage Loans;

         

        (xlii)  LTV.
          Primary
          Insurance.
          Each
          Mortgage Loan with an LTV at origination in excess of 80% is and will be
          subject
          to a Primary Insurance Policy, issued by a Qualified Insurer, which insures
          that
          portion of the Mortgage Loan in excess of the portion of the Appraised
          Value of
          the Mortgaged Property required by Fannie Mae. All provisions of such Primary
          Insurance Policy have been and are being complied with, such policy is
          in full
          force and effect, and all premiums due thereunder have been paid. Any Mortgage
          subject to any such Primary Insurance Policy obligates the Mortgagor thereunder
          to maintain such insurance and to pay all premiums and charges in connection
          therewith. The Mortgage Interest Rate for the Mortgage Loan does not include
          any
          such insurance premium;

         

        (xliii)  No
          Fraud.
          No
          fraud, error, omission, misrepresentation, negligence or similar occurrence
          with
          respect to a Mortgage Loan has taken place on the part of any Person, including
          without limitation, the Mortgagor, any appraiser, any builder or developer,
          or
          any other party involved in the origination of the Mortgage Loan, in the
          application of any insurance in relation to such Mortgage Loan or servicing
          of
          the Mortgage Loan;

         

        (xliv)  Environmental
          Hazards.
          The
          Mortgaged Property is free from any and all toxic or hazardous substances
          and
          there exists no violation of any local, state or federal environmental
          law, rule
          or regulation. There is no pending action or proceeding directly involving
          the
          Mortgaged Property in which compliance with any environmental law, rule
          or
          regulation is an issue;

         

        (xlv)  Servicemembers
          Civil Relief Act of 2003.
          The
          Mortgagor has not notified the Seller, and the Seller has no knowledge
          of any
          relief requested or allowed to the Mortgagor under the Servicemembers Civil
          Relief Act of 2003;

         

        (xlvi)  Credit
          Information.
          As to
          each consumer report (as defined in the Fair Credit Reporting Act, Public
          Law
          91-508) or other credit information furnished by the Seller to the
          Purchaser, that Seller has full right and authority and is not precluded
          by law
          or contract from furnishing such information to the Purchaser and the Purchaser
          is not precluded by the terms of the Mortgage Loan Documents from furnishing
          the
          same to any subsequent or prospective purchaser of such Mortgage. The Seller
          will transmit full-file credit reporting data for each Mortgage Loan pursuant
          to
          Fannie Mae Guide Announcement 95-19 and that for each Mortgage Loan, Seller
          agrees it shall report one of the following statuses each month as follows:
          new
          origination, current, delinquent (30-, 60-, 90-days, etc.), foreclosed,
          or
          charged-off.

         

        (xlvii)  Credit
          Reporting.
          With
          respect to each Mortgage Loan, the Seller has fully and accurately furnished
          complete information on the related borrower credit files to Equifax, Experian
          and Trans Union Credit Information Company, in accordance with the Fair
          Credit
          Reporting Act and its implementing regulations, on a monthly basis and
          the
          Seller will furnish for each Mortgage Loan, in accordance with the Fair
          Credit
          Reporting Act and its implementing regulations, accurate and complete
          information on its borrower credit files to Equifax, Experian, and Trans
          Union
          Credit Information Company, on a monthly basis;

         

        (xlviii)  Construction
          or Rehabilitation of Mortgaged Property.
          No
          Mortgage Loan was made in connection with the construction or rehabilitation
          of
          a Mortgaged Property or facilitating the trade-in or exchange of a Mortgaged
          Property;

         

        (xlix)  No
          Defense to Insurance Coverage.
          The
          Seller has caused or will cause to be performed any and all acts required
          to
          preserve the rights and remedies of the Purchaser in any insurance policies
          applicable to the Mortgage Loans including, without limitation, any necessary
          notifications of insurers, assignments of policies or interests therein,
          and
          establishments of coinsured, joint loss payee and mortgagee rights in favor
          of
          the Purchaser. No action has been taken or failed to be taken, no event
          has
          occurred and no state of facts exists or has existed on or prior to the
          related
          Closing Date (whether or not known to the Seller on or prior to such
          date) which has resulted or will result in an exclusion from, denial of, or
          defense to coverage under any mortgage insurance (including, without limitation,
          any exclusions, denials or defenses which would limit or reduce the availability
          of the timely payment of the full amount of the loss otherwise due thereunder
          to
          the insured) whether arising out of actions, representations, errors,
          omissions, negligence, or fraud of the Seller, the related Mortgagor or
          any
          party involved in the application for such coverage, including the appraisal,
          plans and specifications and other exhibits or documents submitted therewith
          to
          the insurer under such insurance policy, or for any other reason under
          such
          coverage, but not including the failure of such insurer to pay by reason
          of such
          insurer’s breach of such insurance policy or such insurer’s financial inability
          to pay;

         

        (l)  Escrow
          Analysis.
          With
          respect to each Mortgage, the Seller has within the last twelve months
          (unless
          such Mortgage was originated within such twelve month period) analyzed the
          required Escrow Payments for each Mortgage and adjusted the amount of such
          payments so that, assuming all required payments are timely made, any deficiency
          will be eliminated on or before the first anniversary of such analysis,
          or any
          overage will be refunded to the Mortgagor, in accordance with RESPA and
          any
          other applicable law;

         

        (li)  Prior
          Servicing.
          Each
          Mortgage Loan has been serviced in strict compliance with Accepted Servicing
          Practices;

         

        (lii)  Patriot
          Act.
          The
          Seller has complied with all applicable anti-money laundering laws and
          regulations, including without limitation the USA Patriot Act of 200l
          (collectively, the “Anti
          Money Laundering Laws”),
          the
          Seller has established an anti-money laundering compliance program as required
          by the Anti-Money Laundering Laws, has conducted the requisite due diligence
          in
          connection with the origination of each Mortgage Loan for purposes of the
          Anti-Money Laundering Laws, including with respect to the legitimacy of
          the
          applicable Mortgagor and the origin of the assets used by the said Mortgagor
          to
          purchase the property in question, and maintains, and will maintain, sufficient
          information to identify the applicable Mortgagor for purposes of the Anti-Money
          Laundering Laws. No Mortgage Loan is subject to nullification pursuant
          to
          Executive Order 13224 (the “Executive
          Order”) or
          the regulations promulgated by the Office of Foreign Assets Control of
          the
          United States Department of the Treasury (the “OFAC
          Regulations”) or
          in violation of the Executive Order or the OFAC Regulations, and no Mortgagor
          is
          subject to the provisions of such Executive Order or the OFAC Regulations
          nor
          listed as a “blocked person” for purposes of the OFAC Regulations;

         

        (liii)  Prepayment
          Penalty.
          The
          Mortgage Loan is subject to a prepayment penalty as provided in the related
          Mortgage Note except as set forth on the related Mortgage Loan Schedule.
          With
          respect to each Mortgage Loan that has a prepayment penalty feature, each
          such
          prepayment penalty is enforceable and will be enforced by the Seller for
          the
          benefit of the Purchaser, and each prepayment penalty is permitted pursuant
          to
          federal, state and local law. Each such prepayment penalty is in an amount
          not
          more than the maximum amount permitted under federal, state and local law
          and no
          such prepayment penalty may be imposed for a term in excess of five
          (5) years;

         

        (liv)  Predatory
          Lending Regulations.
          No
          Mortgage Loan is a High Cost Loan or Covered Loan, as applicable, and no
          Mortgage Loan originated on or after October 1, 2002 through March 6, 2003
          is
          governed by the Georgia Fair Lending Act. No Mortgage Loan is covered by
          the
          Home Ownership and Equity Protection Act of 1994 and no Mortgage Loan is
          in
          violation of any comparable state or local law. The Mortgaged Property
          is not
          located in a jurisdiction where a breach of this representation with respect
          to
          the related Mortgage Loan may result in additional assignee liability to
          the
          Purchaser, as determined by Purchaser in its reasonable discretion. No
          predatory
          or deceptive lending practices, including but not limited to, the extension
          of
          credit to the applicable Mortgagor without regard for said Mortgagor’s ability
          to repay the Mortgage Loan and the extension of credit to said Mortgagor
          which
          has no apparent benefit to said Mortgagor, were employed by the originator
          of
          the Mortgage Loan in connection with the origination of the Mortgage
          Loan;

         

        (lv)  Underwriting
          Methodology.
          The
          methodology used in underwriting the extension of credit for each Mortgage
          Loan
          employs objective mathematical principles which relate the Mortgagor’s income,
          assets and liabilities to the proposed payment and such underwriting methodology
          does not rely on the extent of the Mortgagor’s equity in the collateral as the
          principal determining factor in approving such credit extension. Such
          underwriting methodology confirmed that at the time of origination
          (application/approval) the Mortgagor had a reasonable ability to make
          timely payments on the Mortgage Loan;

         

        (lvi)  Single-premium
          Credit Life Insurance Policy.
          In
          connection with the origination of any Mortgage Loan, no proceeds from
          any
          Mortgage Loan were used to finance or acquire a single-premium credit life
          insurance policy. No Mortgagor was required to purchase any single premium
          credit insurance policy (e.g., life, disability, accident, unemployment,
          or
          health insurance product) or debt cancellation agreement as a condition of
          obtaining the extension of credit. No Mortgagor obtained a prepaid single
          premium credit insurance policy (e.g., life, disability, accident, unemployment,
          mortgage, or health insurance) in connection with the origination of the
          Mortgage Loan; no proceeds from any Mortgage Loan were used to purchase
          single
          premium credit insurance policies or debt cancellation agreements as part
          of the
          origination of, or as a condition to closing, such Mortgage Loan;

         

        (lvii)  Tax
          Service Contract; Flood Certification Contract.
          Each
          Mortgage Loan is covered by a paid in full, life of loan, tax service contract
          and a paid in full, life of loan, flood certification contract and each
          of these
          contracts is assignable to the Purchaser;

         

        (lviii)  Interest
          Rate Calculation Method.
          Each
          Mortgage Loan accrues interest on a 30/360 basis;

         

        (lix)  Regarding
          the Mortgagor. The Mortgagor is one or more natural persons and/or trustees
          for
          an Illinois land trust or a trustee under a “living trust” and such “living
          trust” is in compliance with Fannie Mae guidelines for such trusts;

         

        (lx)  Recordation.
          Each
          original Mortgage was recorded and, except for those Mortgage Loans subject
          to
          the MERS identification system, all subsequent assignments of the original
          Mortgage (other than the assignment to the Purchaser) have been recorded in
          the appropriate jurisdictions wherein such recordation is necessary to
          perfect
          the lien thereof as against creditors of the Seller, or is in the process
          of
          being recorded;

         

        (lxi)  FICO
          Scores.
          Each
          Mortgagor has a non-zero FICO score unless alternative credit documentation
          is
          obtained;

         

        (lxii)  Disclosure.
          All
          points and fees related to each Mortgage Loan were disclosed in writing
          to the
          Mortgagor in accordance with applicable state and federal law and
          regulation;

         

        (lxiii)  Reporting
          Data.
          The
          Seller will transmit full-file credit reporting data for each Mortgage
          Loan
          pursuant to Fannie Mae Guide Announcement 95-19 and for each Mortgage Loan,
          Seller agrees it shall report one of the following statuses each month
          as
          follows: new origination, current, delinquent (30-, 60-, 90-days, etc.),
          foreclosed, or charged-off;

         

        (lxiv)  Ground
          Leases.
          With
          respect to each Mortgage Loan secured in whole or in part by the interest
          of the
          Mortgagor as a lessee under a ground lease of a Mortgaged Property (a
“Ground
          Lease”) the
          real property securing such Mortgage Loan is located in a jurisdiction
          in which
          the use of leasehold estates for residential properties is a widely-accepted
          practice and:

         

        	(i)  	
                Such
                  Ground Lease is valid, in good standing, and in full force and
                  effect;

              

         

        	(ii)  	
                the
                  lessor under the Ground Lease holds a fee simple interest in the
                  land;

              

         

        	(iii)  	
                the
                  terms of such Ground Lease expressly permit the mortgaging of the
                  leasehold estate, the assignment of the Ground Lease without the
                  lessor’s
                  consent and the acquisition by the holder of the Mortgage of the
                  rights of
                  the lessee upon foreclosure or assignment in lieu of foreclosure
                  or
                  provide the holder of the Mortgage with substantially similar
                  protections;

              

         

        	(iv)  	
                the
                  terms of such Ground Lease do not (a) allow the termination thereof
                  upon the lessee’s default without the holder of the Mortgage being
                  entitled to receive written notice of, and opportunity to cure,
                  such
                  default, (b) allow the termination of the Ground Lease in the event
                  of damage or destruction as long as the Mortgage is in existence,
                  (c) prohibit the holder of the Mortgage from being insured (or
                  receiving proceeds of insurance) under the hazard insurance policy or
                  policies relating to the Mortgaged Property or (d) permit any
                  increase in rent other than pre-established increases set forth
                  in the
                  lease;

              

         

        	(v)  	
                the
                  original term of such Ground Lease is not less than 15 years;
                  and

              

         

        	(vi)  	
                the
                  term of such Ground Lease does not terminate earlier than five
                  years after
                  the maturity date of the Mortgage Note.

              

         

        (lxv)  Litigation.
          The
          Mortgage Loan is not subject to any outstanding litigation for fraud,
          origination, predatory lending, servicing or closing practices.

         

        (lxvi)  Arbitration.
          With
          respect to any Mortgage Loan originated on or after August 1, 2004, neither
          the
          related Mortgage nor the related Mortgage Note requires the Mortgagor to
          submit
          to arbitration to resolve any dispute arising out of or relating in any
          way to
          the Mortgage Loan transaction.

         

        Subsection
          7.03  Remedies
          for Breach of Representations and Warranties.

         

        It
          is
          understood and agreed that the representations and warranties set forth
          in
          Subsections 7.01 and 7.02 shall survive the sale of the Mortgage Loans for
          a period of five (5) years from the related Closing Date to the Purchaser
          and shall inure to the benefit of the Purchaser, and its successors and
          assigns,
          notwithstanding any restrictive or qualified endorsement on any Mortgage
          Note or
          Assignment of Mortgage or the lack of examination of any Mortgage File,
          provided, however, notwithstanding anything in this Agreement to the contrary,
          demand for repurchase or other relief or remedy may not be made with respect
          to
          any Mortgage Loan solely based on a deficiency or defect with respect to
          such
          Mortgage Loan that is identified on the related Mortgage Loan Schedule
          or data
          file delivered to the Purchaser prior to the related Closing Date or in
          any
          related Mortgage File reviewed by the Purchaser on or prior to the related
          Closing Date. Upon discovery by either the Seller or the Purchaser of a
          breach
          of any of the foregoing representations and warranties (notwithstanding
          any
          representation and warranty given to the best of Seller’s knowledge) which
          materially and adversely affects the value of the Mortgage Loans or the
          interest
          of the Purchaser (or which materially and adversely affects the interests
          of the
          Purchaser in the related Mortgage Loan in the case of a representation
          and
          warranty relating to a particular Mortgage Loan), the party discovering
          such
          breach shall give prompt written notice to the other.

         

        Within
          60
          days of the earlier of either discovery by or notice to the Seller of any
          breach
          of a representation or warranty which materially and adversely affects
          the value
          of a Mortgage Loan or the Mortgage Loans, the Seller shall use its best
          efforts
          promptly to cure such breach in all material respects and, if such breach
          cannot
          be cured, the Seller shall, at the Purchaser’s option, repurchase such Mortgage
          Loan at the Repurchase Price. Notwithstanding the above sentence, within
          60 days
          of the earlier of either discovery by, or notice to, the Seller of any
          breach of
          the representations or warranties set forth in clauses (xlv), (lii), (liii),
          (liv), (lvii) or (lxv) of Subsection 7.02, the Seller shall
          repurchase such Mortgage Loan at the Repurchase Price. In the event that
          a
          breach shall involve any representation or warranty set forth in
          Subsection 7.01 and such breach cannot be cured within 60 days of the
          earlier of either discovery by or notice to the Seller of such breach,
          all of
          the affected Mortgage Loans shall, at the Purchaser’s option, be repurchased by
          the Seller at the Repurchase Price. The Seller shall, at the request of
          the
          Purchaser and assuming that Seller has a Qualified Substitute Mortgage
          Loan,
          rather than repurchase the Mortgage Loan as provided above, remove such
          Mortgage
          Loan and substitute in its place a Qualified Substitute Mortgage Loan or
          Mortgage Loans; provided that such substitution shall be effected not later
          than
          120 days after the related Closing Date. If the Seller has no Qualified
          Substitute Mortgage Loan, it shall repurchase the deficient Mortgage
          Loan.

         

        Any
          repurchase of a Servicing Retained Mortgage Loan(s) pursuant to the
          foregoing provisions of this Subsection 7.03 shall occur on a date
          designated by the Purchaser and shall be accomplished by deposit in the
          Custodial Account of the amount of the Repurchase Price for distribution
          to the
          Purchaser on the next scheduled Distribution Date. Any repurchase of a
          Servicing
          Released Mortgage Loan(s) pursuant to the foregoing provisions of this
          Subsection 7.03 shall occur on a date designated by the Purchaser and shall
          be accomplished (i) during the Interim Servicing Period by deposit in the
          Custodial Account of the amount of the Repurchase Price for distribution
          to the
          Purchaser on the next scheduled Distribution Date and (ii) following the
          Interim Servicing Period by wire transfer of immediately available funds
          on the
          repurchase date to an account designated by the Purchaser.

         

        At
          the
          time of repurchase of any deficient Mortgage Loan, the Purchaser and the
          Seller
          shall arrange for the reassignment of the repurchased Mortgage Loan to
          the
          Seller and the delivery to the Seller of any documents held by the Purchaser
          relating to the repurchased Mortgage Loan. Upon such repurchase the related
          Mortgage Loan Schedule shall be amended to reflect the withdrawal of the
          repurchased Mortgage Loan from this Agreement.

         

        If
          the
          Seller repurchases a Mortgage Loan that is a MERS Mortgage Loan, the Seller
          shall either (i) cause MERS to execute and deliver an Assignment of
          Mortgage in recordable form to transfer the Mortgage from MERS to the Seller
          and
          shall cause such Mortgage to be removed from registration on the MERS System
          in
          accordance with MERS’ rules and regulations or (ii) cause MERS to designate
          on the MERS System the Seller or its designee as the beneficial holder
          of such
          Mortgage Loan. In addition to (i) and (ii) above, with respect to any
          Servicing Released Mortgage Loan that is a MERS Mortgage Loan that Seller
          repurchases, Purchaser shall cause its servicer to cause MERS to designate
          on
          the MERS System the Seller or its designee as the servicer of such Mortgage
          Loan.

         

        As
          to any
          Deleted Mortgage Loan for which the Seller substitutes a Qualified Substitute
          Mortgage Loan or Mortgage Loans, the Seller shall effect such substitution
          by
          delivering to the Purchaser for such Qualified Substitute Mortgage Loan
          or
          Mortgage Loans the Mortgage Note, the Mortgage, the Assignment of Mortgage
          and
          such other documents and agreements as are required by this Agreement,
          with the
          Mortgage Note endorsed as required therein. The Seller shall deposit in
          the
          Custodial Account the Monthly Payment less the Servicing Fee due on such
          Qualified Substitute Mortgage Loan or Mortgage Loans in the month following
          the
          date of such substitution. Monthly Payments due with respect to Qualified
          Substitute Mortgage Loans in the month of substitution will be retained
          by the
          Seller. For the month of substitution, distributions to the Purchaser will
          include the Monthly Payment due on such Deleted Mortgage Loan in the month
          of
          substitution, and the Seller shall thereafter be entitled to retain all
          amounts
          subsequently received by the Seller in respect of such Deleted Mortgage
          Loan.
          The Seller shall give written notice to the Purchaser that such substitution
          has
          taken place and shall amend the Mortgage Loan Schedule to reflect the removal
          of
          such Deleted Mortgage Loan from the terms of this Agreement and the substitution
          of the Qualified Substitute Mortgage Loan. Upon such substitution, such
          Qualified Substitute Mortgage Loan or Mortgage Loans shall be subject to
          the
          terms of this Agreement in all respects, and the Seller shall be deemed
          to have
          made with respect to such Qualified Substitute Mortgage Loan or Mortgage
          Loans,
          as of the date of substitution, the covenants, representations and warranties
          set forth in Sections 7.01 and 7.02.

         

        For
          any
          month in which the Seller substitutes one or more Qualified Substitute
          Mortgage
          Loans for one or more Deleted Mortgage Loans, the Seller will determine
          the
          amount (if any) by which the aggregate principal balance of all such
          Qualified Substitute Mortgage Loans as of the date of substitution is less
          than
          the aggregate Stated Principal Balance of all such Deleted Mortgage Loans
          (after
          application of scheduled principal payments due in the month of substitution).
          An amount equal to the product of the amount of such shortfall multiplied
          by the
          Repurchase Price shall be distributed by the Seller in the month of substitution
          pursuant to the Servicing Addendum. Accordingly, on the date of such
          substitution, the Seller will deposit from its own funds into the Custodial
          Account an amount equal to such amount.

         

        In
          addition to such repurchase obligation, the Seller shall indemnify the
          Purchaser, its successors and assigns and the Successor Servicer and hold
          them
          harmless against any losses, damages, penalties, fines, forfeitures, reasonable
          and necessary legal fees and related costs, judgments, and other costs
          and
          expenses resulting from any claim, demand, defense or assertion based on
          or
          grounded upon, or resulting from, a breach of the Seller representations
          and
          warranties contained in this Agreement or any Reconstitution Agreement.
          It is
          understood and agreed that the obligations of the Seller set forth in this
          Subsection 7.03 to cure, or repurchase a defective Mortgage Loan and to
          indemnify the Purchaser, its successors and assigns and the Successor Servicer
          as provided in this Subsection 7.03 constitute the sole remedies respecting
          a breach of the foregoing representations and warranties. For purposes
          of this
          paragraph, “Purchaser”
shall
          mean the Person then acting as the Purchaser under this Agreement and any
          and
          all Persons who previously were “Purchasers”
under
          this Agreement and “Successor
          Servicer”
shall
          mean the first Person acting as the successor servicer under this
          Agreement.

         

        Upon
          the
          request of the Purchaser, the Seller hereby agrees to execute a recognition
          agreement hereto recognizing the servicer designated by the Purchaser therein
          as
          the Successor Servicer.

         

        Any
          cause
          of action against the Seller relating to or arising out of the breach of
          any
          representations and warranties made in Subsections 7.01 and 7.02 shall
          accrue as to any Mortgage Loan upon (i) discovery of such breach by the
          Purchaser or notice thereof by the Seller to the Purchaser, (ii) failure by
          the Seller to cure such breach or repurchase such Mortgage Loan as specified
          above, and (iii) demand upon the Seller by the Purchaser for compliance
          with this Agreement.

         

        Subsection
          7.04  Repurchase
          of Certain Mortgage Loans.

         

        If
          following the related Closing Date the first Monthly Payment due the Purchaser
          becomes 30 days delinquent, then the Seller, at the Purchaser’s option, shall
          promptly repurchase the related Mortgage Loan from the Purchaser in accordance
          with the procedures set forth in Subsection 7.03 hereof and any such
          repurchase shall be made at the Repurchase Price.

         

        Subsection
          7.05  Purchase
          Price Protection.

         

        With
          respect to any Mortgage Loan that prepays in full on or prior to sixty
          (60) days following the related Closing Date (or such other date as may be
          set forth in the related Commitment Letter), the Seller shall reimburse
          the
          Purchaser an amount equal to the product of (a) the excess of the Purchase
          Price percentage paid by the Purchaser to the Seller for such Mortgage
          Loan over
          100%, times (b) the outstanding principal balance of the Mortgage Loan as
          of the date of such prepayment in full. The Seller shall be entitled to
          all
          Prepayment Charges related to any Mortgage Loan that prepays in full on
          or prior
          to sixty (60) days following the related Closing Date (or such other date
          as may be set forth in the related Commitment Letter). If Purchaser fails
          to
          provide a billing statement to Seller within 30 days of remittance of payoff
          funds to Purchaser, the Seller shall not be liable for payment of the formula
          described above.

         

        Subsection
          7.06  Purchaser’s
          Right to Review.

         

        Prior
          to
          the related Closing Date, the Purchaser shall have the right to perform
          on-site
          due diligence at the premises of the Seller with respect to the Mortgage
          Loans.
          The Seller will provide information and otherwise cooperate with the due
          diligence reviews of the Purchaser, its co-investor’s, its financial partner’s,
          and the rating agencies. The Seller shall make the legal files and the
          credit
          files, together with any payment histories, collection histories, bankruptcy
          histories, broker’s price opinions, to the extent available, and any other
          information with respect to the Mortgage Loans requested by the Purchaser,
          available at the Seller’s offices for review by Purchaser or its agents during
          normal business hours before the related Closing Date. The Purchaser shall
          have
          the right to order additional broker’s price opinions in its sole discretion at
          the Purchaser’s expense.

         

        The
          Purchaser shall have the right to reject any Mortgage Loan (a) for which
          the documentation listed in the definition of Mortgage Loan Documents is
          missing
          or defective in whole or in part, (b) for which the related broker’s price
          opinion is below the appraisal provided in connection with the origination
          of
          the related Mortgage Loan, (c) for which the loan-to-value ratio calculated
          based upon the broker’s price opinion is greater than 100%, (d) which does
          not conform to the Seller’s underwriting guidelines, (e) which does not
          conform to the terms of the related Purchase Price and Terms Letter or
          is in
          breach of the representations and warranties set forth in this Purchase
          Agreement, (f) that is not securitizable in the reasonable opinion of the
          Purchaser, or (g) which does not conform to the terms of any applicable
          federal, state, or local law or regulation. The Purchaser shall use its
          best
          efforts to notify the Seller of any such rejected Mortgage Loan immediately
          upon
          discovery.

         

        The
          fact
          that the Purchaser has conducted or failed to conduct any partial or complete
          examination of the files shall not affect the Purchaser’s (or any of its
          successor’s) rights to demand repurchase or other relief for breach of
          Mortgage Loan representations and warranties, missing or defective documents
          or
          as otherwise provided in this Agreement.

         

        SECTION
          8.  Closing.

         

        The
          closing for each Mortgage Loan Package shall take place on the related
          Closing
          Date. At the Purchaser’s option, the closing shall be either: by telephone,
          confirmed by letter or wire as the parties shall agree, or conducted in
          person,
          at such place as the parties shall agree.

         

        The
          closing for the Mortgage Loans to be purchased on each Closing Date shall
          be
          subject to each of the following conditions:

         

        (a)  all
          of
          the representations and warranties of the Seller under this Agreement shall
          be
          true and correct as of the related Closing Date and no event shall have
          occurred
          which, with notice or the passage of time, would constitute a default under
          this
          Agreement;

         

        (b)  the
          Purchaser shall have received, or the Purchaser’s attorneys shall have received
          in escrow, all Closing Documents as specified in Section 9, in such forms
          as are agreed upon and mutually acceptable to the Seller and the Purchaser,
          duly
          executed by all signatories as required pursuant to the terms
          hereof;

         

        (c)  the
          Seller shall have delivered and released to the Purchaser or its designee
          all
          documents required pursuant to this Agreement; and

         

        (d)  all
          other
          terms and conditions of this Agreement shall have been complied
          with.

         

        Subject
          to the foregoing conditions, the Purchaser shall pay to the Seller on the
          related Closing Date the Purchase Price, plus accrued interest pursuant
          to
          Section 4, by wire transfer of immediately available funds to the account
          designated by the Seller.

         

        SECTION
          9.  Closing
          Documents.

         

        (a)  On
          or
          before the Initial Closing Date, the Seller shall submit to the Purchaser
          fully
          executed originals of the following documents:

         

        (1)  this
          Agreement, in four counterparts;

         

        (2)  a
          Custodial Account Letter Agreement in the form attached as Exhibit 6
          hereto;

         

        (3)  as
          Escrow
          Account Letter Agreement in the form attached as Exhibit 7 hereto;

         

        (4)  an
          Officer’s Certificate, in the form of Exhibit 1 hereto, including all
          attachments thereto;

         

        (5)  an
          Opinion of Counsel to the Seller, in the form of Exhibit 11 hereto;
          and

         

        (b)  The
          Closing Documents for the Mortgage Loans to be purchased on each Closing
          Date
          shall consist of fully executed originals of the following
          documents:

         

        (1)  the
          related Commitment Letter;

         

        (2)  the
          related Mortgage Loan Schedule;

         

        (3)  a
          Custodian’s Trust Receipt and Initial Certification, as required under the
          Custodial Agreement, in a form acceptable to the Initial Purchaser;

         

        (4)  an
          Officer’s Certificate, in the form of Exhibit 1 hereto, including all
          attachments thereto, if requested by Purchaser;

         

        (5)  a
          Security Release Certification, in the form of Exhibit 3 hereto executed
          by any
          Person, as requested by the Purchaser, if any of the Mortgage Loans has
          at any
          time been subject to any security interest, pledge or hypothecation for
          the
          benefit of such Person;

         

        (6)  a
          certificate or other evidence of merger or change of name, signed or stamped
          by
          the applicable regulatory authority, if any of the Mortgage Loans were
          acquired
          by the Seller by merger or acquired or originated by the Seller while conducting
          business under a name other than its present name, if applicable;
          and

         

        (7)  an
          Assignment and Conveyance in the form of Exhibit 4 hereto.

         

        SECTION
          10.  Costs.

         

        The
          Purchaser shall pay any commissions due its salesmen and the legal fees
          and
          expenses of its attorneys and the fees and expenses of its custodian. All
          other
          costs and expenses incurred in connection with the transfer and delivery
          of the
          Mortgage Loans, including without limitation recording fees, fees for title
          policy endorsements and continuations, fees for recording Assignments of
          Mortgage and the Seller’s attorney’s fees, shall be paid by the
          Seller.

         

        SECTION
          11.  Seller’s
          Servicing Obligations.

         

        The
          Seller, as independent contract servicer, shall service and administer
          the
          Mortgage Loans during the Preliminary Servicing Period and the Interim
          Servicing
          Period, as applicable, in accordance with the terms and provisions set
          forth in
          the Servicing Addendum attached as Exhibit 8, or the Servicing Addendum
          attached
          as Exhibit 9, as applicable, which Servicing Addendums are incorporated
          herein
          by reference.

         

        The
          Seller agrees to act reasonably, in good faith and in accordance with all
          applicable laws and regulations and to do all things necessary to effect
          the
          transfer of the servicing of the Servicing Released Mortgage Loans to Purchaser
          including, without limitation, complying with the servicing transfer
          instructions set forth in Exhibit 2 attached hereto.

         

        SECTION
          12.  Removal
          of Mortgage Loans from Inclusion under This Agreement Upon an Agency Transfer,
          Whole Loan Transfer or a Securitization Transfer on One or More Reconstitution
          Dates.

         

        The
          Seller and the Initial Purchaser agree that with respect to some or all
          of the
          Mortgage Loans, the Purchaser may effect:

         

        (1)  a
          transfer to Fannie Mae under its Cash Purchase Program or MBS Program (Special
          Servicing Option) (each a “Fannie
          Mae Transfer”);

         

        (2)  a
          transfer to Freddie Mac (the “Freddie
          Mac Transfer”);

         

        (3)  one
          or
          more Whole Loan Transfers; and/or

         

        (4)  one
          or
          more Securitization Transfers.

         

        The
          Seller shall reasonably cooperate with the Purchaser with respect to up
          to three
          (or such other number as may be reflected in the related Commitment
          Letter) Agency Transfers, Whole Loan Transfer, or a Pass-Through Transfer
          (collectively, a “Transfer”) pursuant
          to this Section 12 with respect to each pool of Mortgage
          Loans.

         

        The
          Seller agrees to execute in connection with any Agency Transfer, any and
          all
          pool purchase contracts, and/or agreements reasonably acceptable to the Seller
          among the Purchaser, the Seller, Fannie Mae or Freddie Mac (as the case
          may be).
          Seller’s Servicing Fee will not be adversely affected with respect to any Agency
          Transfer.

         

          With
          respect to each Whole Loan Transfer, Agency Transfer or Securitization
          Transfer,
          as the case may be, entered into by the Initial Purchaser, the Seller
          agrees:

         

        (i)  to
          cooperate fully with the Purchaser and any prospective purchaser with respect
          to
          all reasonable requests and due diligence procedures and with respect to
          the
          preparation (including, but not limited to, the endorsement, delivery,
          assignment, and execution) of the Mortgage Loan Documents and other related
          documents, and with respect to servicing requirements reasonably requested
          by
          the rating agencies and credit enhancers;

         

        (ii)  to
          execute all Reconstitution Agreements provided that each of the Seller
          and the
          Purchaser is given an opportunity to review and reasonably negotiate in
          good
          faith the content of such documents not specifically referenced or provided
          for
          herein;

         

        (iii)  the
          Seller shall make the representations and warranties regarding the Seller
          in
          Section 7.01 herein and the representations and warranties regarding the
          Mortgage Loans in Section 7.02 (ii), (iii), (iv), (vi), (vii), (viii),
          (ix), (x), (xii), (xiii), (xiv), (xv), (xvii), (xxviii), (xxxiv), (xxxv),
          (xli),
          (xliv), (l), (lv), (lvi), herein as of the date of the related Whole Loan
          Transfer, Agency Transfer or Pass-Through Transfer, modified to the extent
          necessary to accurately reflect any events or circumstances existing subsequent
          to the related Closing Date(s);

         

        (iv)  to
          comply
          with Section 13 of this Agreement;

         

        (v)  in
          connection with any securitization of any Servicing Retained Mortgage Loans,
          to
          negotiate and execute one or more subservicing agreements between the Seller
          and
          any master servicer which is generally considered to be a prudent master
          servicer in the secondary mortgage market, designated by the Purchaser
          after
          consultation with the Seller and/or one or more custodial and servicing
          agreements among the Purchaser, the Seller and a third party custodian/trustee
          which is generally considered to be a prudent custodian/trustee in the
          secondary
          mortgage market designated by the Purchaser after consultation with the
          Seller,
          in either case for the purpose of pooling the Mortgage Loans with other
          Mortgage
          Loans for resale or securitization and containing servicing provisions
          which are
          similar to the servicing provisions set forth herein;

         

        (vi)  in
          connection with any securitization of any Servicing Retained Mortgage Loans,
          to
          execute a pooling and servicing agreement, which pooling and servicing
          agreement
          may, at the Purchaser’s direction, contain contractual provisions including, but
          not limited to, a 24 day certificate payment delay (54 day total payment
          delay),
          servicer advances of delinquent scheduled payments of principal and interest
          through liquidation (unless deemed non recoverable) and prepayment interest
          shortfalls (to the extent of the monthly servicing fee payable thereto),
          servicing and mortgage loan representations and warranties which in form
          and
          substance conform to the representations and warranties in this Agreement
          and to
          secondary market standards for securities backed by mortgage loans similar
          to
          the Mortgage Loans and such provisions with regard to servicing
          responsibilities, investor reporting, segregation and deposit of principal
          and
          interest payments, custody of the Mortgage Loans, and other covenants as
          are
          required by the Purchaser and one or more nationally recognized rating
          agencies
          for “AAA” rated mortgage pass through transactions which are “mortgage related
          securities” for the purposes of the Secondary Mortgage Market Enhancement Act of
          1984, unless otherwise mutually agreed;

         

        (vii)  to
          execute, deliver and satisfy all conditions set forth in an indemnity agreement
          substantially in the form of Exhibit 12; and

         

        (viii)  in
          connection with any out-of-pocket costs that the Seller may incur with
          respect
          to its compliance with any requests made pursuant to this Section 12, the
          Purchaser (“Reconstitution
          Costs”) shall
          reimburse the Seller for such Reconstitution Costs.

         

        The
          Seller shall indemnify the Purchaser, each Affiliate designated by the
          Purchaser, each Person who controls the Purchaser or such Affiliate and
          the
          Successor Servicer and hold each of them harmless from and against any
          losses,
          damages, penalties, fines, forfeitures, reasonable and necessary legal
          fees and
          related costs, judgments, and any other costs, fees and expenses that each
          of
          them may sustain in any way related to any information provided by or on
          behalf
          of the Seller regarding the Seller (or if the Seller is not the originator,
          the
          originator of the Mortgage Loans), the Seller’s servicing practices or
          performance, the Mortgage Loans or the Underwriting Guidelines set forth
          in any
          offering document prepared in connection with any Reconstitution. For purposes
          of the previous sentence, “Purchaser”
shall
          mean the Person then acting as the Purchaser under this Agreement and any
          and
          all Persons who previously were “Purchasers”
under
          this Agreement and “Successor
          Servicer”
shall
          mean the first Person acting as the Successor Servicer under this Agreement.
          Moreover, the Seller agrees to cooperate with all reasonable requests made
          by
          the Purchaser to effect such Reconstitution Agreements.

         

        All
          Mortgage Loans not sold or transferred pursuant to a Whole Loan Transfer
          or
          Securitization Transfer shall be subject to this Agreement and shall continue
          to
          be serviced for the remainder of the Preliminary Servicing Period in accordance
          with the terms of this Agreement and with respect thereto this Agreement
          shall
          remain in full force and effect.

         

        SECTION
          13.  Compliance
          with Regulation AB

         

        Subsection
          13.01  Intent
          of the Parties; Reasonableness.

         

        The
          Purchaser and the Seller acknowledge and agree that the purpose of Article
          13 of
          this Agreement is to facilitate compliance by the Purchaser and any Depositor
          with the provisions of Regulation AB and related rules and regulations
          of the
          Commission. Neither the Purchaser nor any Depositor shall exercise its
          right to
          request delivery of information or other performance under these provisions
          other than in good faith, or for purposes other than compliance with the
          Securities Act, the Exchange Act and the rules and regulations of the Commission
          thereunder. The Seller acknowledges that interpretations of the requirements
          of
          Regulation AB may change over time, whether due to interpretive guidance
          provided by the Commission or its staff, consensus among participants in
          the
          asset-backed securities markets (including, without limitation, buyers
          and
          sellers of the mortgage loans who securitize such mortgage loans), advice
          of
          counsel, or otherwise, and agrees to comply with requests made by the Purchaser
          or any Depositor in good faith for delivery of information under these
          provisions on the basis of evolving interpretations of Regulation AB. In
          connection with any Securitization Transaction, the Seller shall cooperate
          with
          the Purchaser to deliver to the Purchaser (including any of its assignees
          or
          designees) and any Depositor, upon reasonable notice any and all
          statements, reports, certifications, records and any other information
          necessary
          in the good faith determination of the Purchaser or any Depositor to permit
          the
          Purchaser or such Depositor to comply with the provisions of Regulation
          AB,
          together with such disclosures relating to the Seller, any Subservicer,
          any
          Third-Party Originator and the Mortgage Loans, or the servicing of the
          Mortgage
          Loans, reasonably believed by the Purchaser or any Depositor to be necessary
          in
          order to effect such compliance.

         

        Subsection
          13.02  Additional
          Representations and Warranties of the Seller.

         

        (a)  The
          Seller shall be deemed to represent to the Purchaser and to .any Depositor,
          as
          of the date on which information is first provided to the Purchaser or
          any
          Depositor under Section 13.03 that, except as disclosed in writing to the
          Purchaser or such Depositor prior to such date: (i) the Seller is not aware
          and has not received notice that any default, early amortization or other
          performance triggering event has occurred as to any other securitization
          due to
          any act or failure to act of the Seller; (ii) the Seller has not been
          terminated as servicer in a residential mortgage loan securitization, either
          due
          to a servicing default or to application of a servicing performance test
          or
          trigger; (iii) no material noncompliance with the applicable servicing
          criteria with respect to other securitizations of residential mortgage
          loans
          involving the Seller as servicer has been disclosed or reported by the
          Seller;
          (iv) no material changes to the Seller’s policies or procedures with
          respect to the servicing function it will perform under this Agreement
          and any
          Reconstitution Agreement for mortgage loans of a type similar to the Mortgage
          Loans have occurred during the three-year period immediately preceding
          the
          related Securitization Transaction; (v) there are no aspects of the
          Seller’s financial condition that could have a material adverse effect on the
          performance by the Seller of its servicing obligations under this Agreement
          or
          any Reconstitution Agreement; (vi) there are no material legal or
          governmental proceedings pending (or known to be contemplated) against the
          Seller, any Subservicer or any Third-Party Originator; and (vii) there are
          no affiliations, relationships or transactions relating to the Seller,
          any
          Subservicer or any Third-Party Originator with respect to any Securitization
          Transaction and any party thereto identified by the related Depositor of
          a type
          described in Item 1119 of Regulation AB. For purposes of this
          Section 13, electronic communication such as facsimile or email or as a
          specific obligation of Seller under any Reconstitution Agreement shall
          constitute written notice or request.

         

        (b)  If
          so
          requested by the Purchaser or any Depositor on any date following the date
          on
          which information is first provided to the Purchaser or any Depositor under
          Section 13.03, the Seller shall, within five Business Days following such
          written request, confirm in writing the accuracy of the representations
          and
          warranties set forth in paragraph (a) of this Section or, if any such
          representation and warranty is not accurate as of the date of such request,
          provide reasonably adequate disclosure of the pertinent facts, in writing,
          to
          the requesting party.

         

        Subsection
          13.03  Information
          to Be Provided by the Seller.

         

        In
          connection with any Securitization Transaction the Seller shall (i) within
          five Business Days following written request by the Purchaser or any Depositor,
          provide to the Purchaser and such Depositor (or, as applicable, cause each
          Third-Party Originator and each Subservicer to provide), in writing and
          in form
          and substance reasonably satisfactory to the Purchaser and such Depositor,
          the
          information and materials specified in paragraphs (a), (b), (c) and
          (f) of this Section, and (ii) as promptly as practicable following
          notice to or discovery by the Seller, provide to the Purchaser and any
          Depositor
          (in writing and in form and substance reasonably satisfactory to the Purchaser
          and such Depositor) the information specified in paragraph (d) of this
          Section.

         

        (a)  If
          so
          requested by the Purchaser or any Depositor, the Seller .shall provide
          such
          information regarding (i) the Seller, as originator of the Mortgage Loans
          (including as an acquirer of Mortgage Loans from a Qualified Correspondent),
          or
          (ii) each Third-Party Originator, and (iii) as applicable, each
          Subservicer, as is requested for the purpose of compliance with Items
          1103(a)(1), 1105, 1110, 1117 and 1119 of Regulation AB. Such information
          shall
          include, at a minimum:

         

        (i)  the
          originator’s form of organization;

         

        (ii)  a
          description of the originator’s origination program and how long the originator
          has been engaged in originating residential mortgage loans, which description
          shall include a discussion of the originator’s experience in originating
          mortgage loans of a similar type as the Mortgage Loans; information regarding
          the size and composition of the originator’s origination portfolio; and
          information that may be material, in the good faith judgment of the Purchaser
          or
          any Depositor, to an analysis of the performance of the Mortgage Loans,
          including the originators’ credit-granting or underwriting criteria for mortgage
          loans of similar type(s) as the Mortgage Loans and such other information
          as the Purchaser or any Depositor may reasonably request for the purpose
          of
          compliance with Item 1110(b)(2) of Regulation AB;

         

        (iii)  a
          description of any material legal or governmental proceedings pending (or
          known
          to be contemplated) against the Seller, each Third-Party Originator and
          each Subservicer; and

         

        (iv)  a
          description of any affiliation or relationship between the Seller, each
          Third-Party Originator, each Subservicer and any of the following parties
          to a
          Securitization Transaction, as such parties are identified to the Seller
          by the
          Purchaser or any Depositor in writing in advance of such Securitization
          Transaction:

         

        	(a)  	
                the
                  sponsor;

                 

              

        	(b)  	
                the
                  depositor;

                 

              

        	(c)  	
                the
                  issuing entity;

                 

              

        	(d)  	
                any
                  servicer;

                 

              

        	(e)  	
                any
                  trustee;

                 

              

        	(f)  	
                any
                  originator;

                 

              

        	(g)  	
                any
                  significant obligor;

                 

              

        	(h)  	
                any
                  enhancement or support provider; and

                 

              

        	(i)  	
                any
                  other material transaction party.

              

         

        (b)  If
          so
          requested by the Purchaser or any Depositor, the Seller shall provide (or,
          as
          applicable, cause each Third-Party Originator to provide) Static Pool
          Information with respect to the mortgage loans (of a similar type as the
          Mortgage Loans, as reasonably identified by the Purchaser as provided
          below) originated by (i) the Seller, if the Seller is an originator of
          Mortgage Loans (including as an acquirer of Mortgage Loans from a Qualified
          Correspondent), and/or (ii) each Third-Party Originator to the extent such
          information is in its possession or reasonably available to the Seller.
          Such
          Static Pool Information, to the extent such information is in its possession
          or
          available to the Seller, shall be prepared by the Seller (or Third-Party
          Originator) on the basis of its reasonable, good faith interpretation of
          the requirements of Item 1105(a)(1)-(3) of Regulation AB. To the
          extent that there is reasonably available to the Seller (or Third-Party
          Originator) Static Pool Information with respect to more than one mortgage
          loan type, the Purchaser or any Depositor shall be entitled to specify
          whether
          some or all of such information shall be provided pursuant to this paragraph.
          The content of such Static Pool Information may be in the form customarily
          provided by the Seller, and need not be customized for the Purchaser or
          any
          Depositor. Such Static Pool Information for each vintage origination year
          or
          prior securitized pool, as applicable, shall be presented in increments
          no less
          frequently than quarterly over the life of the mortgage loans included
          in the
          vintage origination year or prior securitized pool. The most recent periodic
          increment must be as of a date no later than 135 days prior to the date
          of the
          prospectus or other offering document in which the Static Pool Information
          is to
          be included or incorporated by reference. The Static Pool Information shall
          be
          provided in an electronic format that provides a permanent record of the
          information provided, such as a portable document format (pdf) file, or
          other
          such electronic format reasonably required by the Purchaser or the Depositor,
          as
          applicable.

         

        If
          so
          requested by the Purchaser or any Depositor, the Seller shall provide (or,
          as
          applicable, cause each Third-Party Originator to provide), at the expense
          of the
          requesting party (to the extent of any additional incremental expense associated
          with delivery pursuant to this Agreement), such statements and agreed-upon
          procedures letters of certified public accountants reasonably acceptable
          to the
          Purchaser or Depositor, as applicable, pertaining to Static Pool Information
          relating to prior securitized pools for securitizations closed on or after
          January 1, 2006 or, in the case of Static Pool Information with respect
          to the
          Seller’s or Third-Party Originator’s originations or purchases, to calendar
          months commencing January 1, 2006, as the Purchaser or such Depositor shall
          reasonably request. Such statements and letters shall be addressed to and
          be for
          the benefit of such parties as the Purchaser or such Depositor shall designate,
          which may include, by way of example, any Sponsor, any Depositor and any
          broker
          dealer acting as underwriter, placement agent or initial purchaser with
          respect
          to a Securitization Transaction. Any such statement or letter may take
          the form
          of a standard, generally applicable document accompanied by a reliance
          letter
          authorizing reliance by the addressees designated by the Purchaser or such
          Depositor.

         

        (c)  If
          so
          requested by the Purchaser or any Depositor in writing, the Seller shall
          provide
          such information regarding the Seller, as servicer of the Mortgage Loans,
          and
          each Subservicer (each of the Seller and each Subservicer, for purposes
          of this
          paragraph, a “Servicer”),
          as is
          requested for the purpose of compliance with Items 1108 of Regulation
          AB

         

        Such
          information shall include, at a minimum:

         

        (i)  the
          Servicer’s form of organization;

         

        (ii)  a
          description of how long the Servicer has been servicing residential mortgage
          loans; a general discussion of the Servicer’s experience in servicing assets of
          any type as well as a more detailed discussion of the Servicer’s experience in,
          and procedures for, the servicing function it will perform under this Agreement
          and any Reconstitution Agreements; information regarding the size, composition
          and growth of the Servicer’s portfolio of residential mortgage loans of a type
          similar to the Mortgage Loans and information on factors related to the
          Servicer
          that may be material, in the good faith judgment of the Purchaser or any
          Depositor, to any analysis of the servicing of the Mortgage Loans or the
          related
          asset-backed securities, as applicable, including, without
          limitation:

         

        (a)  whether
          any prior securitizations of mortgage loans of a type similar to the Mortgage
          Loans involving the Servicer have defaulted or experienced an early amortization
          or other performance triggering event because of servicing during the three-year
          period immediately preceding the related Securitization
          Transaction;

         

        (b)  the
          extent of outsourcing the Servicer utilizes;

         

        (c)  whether
          there has been previous disclosure of material noncompliance with the applicable
          servicing criteria with respect to other securitizations of residential
          mortgage
          loans involving the Servicer as a servicer during the three-year period
          immediately preceding the related Securitization Transaction;

         

        (d)  whether
          the Servicer has been terminated as servicer in a residential mortgage
          loan
          securitization, either due to a servicing default or to application of
          a
          servicing performance test or trigger; and

         

        (e)  such
          other information as the Purchaser or any Depositor may reasonably request
          for
          the purpose of compliance with Item 1108(b)(2) of Regulation
          AB;

         

        (iii)  a
          description of any material changes during the three-year period immediately
          preceding the related Securitization Transaction to the Servicer’s policies or
          procedures with respect to the servicing function it will perform under
          this
          Agreement and any Reconstitution Agreements for mortgage loans of a type
          similar
          to the Mortgage Loans;

         

        (iv)  information
          regarding the Servicer’s financial condition, to the extent that there is a
          material risk that an adverse financial event or circumstance involving
          the
          Servicer could have a material adverse effect on the performance by the
          Seller
          of its servicing obligations under this Agreement or any Reconstitution
          Agreement;

         

        (v)  information
          regarding advances made by the Servicer on the Mortgage Loans and the Servicer’s
          overall servicing portfolio of residential mortgage loans for the three-year
          period immediately preceding the related Securitization Transaction, which
          may
          be limited to a statement by an authorized officer of the Servicer to the
          effect
          that the Servicer has made all advances required to be made on residential
          mortgage loans serviced by it during such period, or, if such statement
          would
          not be accurate, information regarding the percentage and type of advances
          not
          made as required, and the reasons for such failure to advance;

         

        (vi)  a
          description of the Servicer’s processes and procedures designed to address any
          special or unique factors involved in servicing loans of a similar type
          as the
          Mortgage Loans;

         

        (vii)  a
          description of the Servicer’s processes for handling delinquencies, losses,
          bankruptcies and recoveries, such as through liquidation of mortgaged
          properties, sale of defaulted mortgage loans or workouts; and

         

        (viii)  information
          as to how the Servicer defines or determines delinquencies and charge-offs,
          including the effect of any grace period, re-aging, restructuring, partial
          payments considered current or other practices with respect to delinquency
          and
          loss experience.

         

        (ix)  If
          so
          requested by the Purchaser or any Depositor for the purpose of satisfying
          its
          reporting obligation under the Exchange Act with respect to any class of
          asset-backed securities, the Seller shall (or shall cause each Subservicer
          and
          Third-Party Originator to) (i) notify the Purchaser and any Depositor
          in writing of (a) any material litigation or governmental proceedings
          pending against the Seller, any Subservicer or any Third-Party Originator
          and
          (b) any affiliations or relationships that develop following the closing
          date of a Securitization Transaction between the Seller, any Subservicer
          or any
          Third-Party Originator and any of the parties specified in clause (iv) of
          paragraph (a) of this Section (and any other parties identified in
          writing by the requesting party) with respect to such Securitization
          Transaction, and (ii) provide to the Purchaser and any Depositor a
          description of such proceedings, affiliations or relationships.

         

        (d)  As
          a
          condition to the succession to the Seller or any Subservicer as servicer
          or
          subservicer under this Agreement or any Reconstitution Agreement by any
          Person
          (i) into which the Seller or such Subservicer may be merged or
          consolidated, or (ii) which may be appointed as a successor to the Seller
          or any Subservicer, the Seller shall provide to the Purchaser and any Depositor,
          at least 15 calendar days prior to the effective date of such succession
          or
          appointment, (x) written notice to the Purchaser and any Depositor of such
          succession or appointment and (y) in writing and in form and substance
          reasonably satisfactory to the Purchaser and such Depositor, all information
          reasonably requested by the Purchaser or any Depositor in writing in order
          to
          comply with its reporting obligation under Item 6.02 of Form 8-K with
          respect to any class of asset-backed securities.

         

        (e)  In
          addition to such information as the Seller, as servicer, is obligated to
          provide
          pursuant to other provisions of this Agreement, if so requested by the
          Purchaser
          or any Depositor in writing, the Seller shall provide such information
          reasonably available to the Seller regarding the performance or servicing
          of the
          Mortgage Loans as is reasonably required to facilitate preparation of
          distribution reports in accordance with Item 1121 of Regulation
          AB.

         

        Subsection
          13.04  Servicer
          Compliance Statement.

         

        On
          or
          before March 1 of each calendar year, commencing in 2007, the Seller shall
          deliver to the Purchaser and any Depositor a statement of compliance addressed
          to the Purchaser and such Depositor and signed by an authorized officer
          of the
          Seller, to the effect that (i) a review of the Seller’s activities during
          the immediately preceding calendar year (or applicable portion thereof) and
          of its performance under this Agreement and any applicable Reconstitution
          Agreement during such period has been made under such officer’s supervision, and
          (ii) to the best of such officers’ knowledge, based on such review, the
          Seller has fulfilled all of its obligations under this Agreement and any
          applicable Reconstitution Agreement in all material respects throughout
          such
          calendar year (or applicable portion thereof) or, if there has been a
          failure to fulfill any such obligation in any material respect, specifically
          identifying each such failure known to such officer and the nature and
          the
          status thereof.

         

        Subsection
          13.05  Report
          on Assessment of Compliance and Attestation.

         

        (a)  On
          or
          before March 1 of each calendar year, commencing in 2007, the Seller
          shall:

         

        (i)  deliver
          to the Purchaser and any Depositor a report (in form and substance reasonably
          satisfactory to the Purchaser and such Depositor) regarding the Seller’s
          assessment of compliance with the Servicing Criteria during the immediately
          preceding calendar year, as required under Rules 13a-18 and 15d-18 of the
          Exchange Act and Item 1122 of Regulation AB. Such report shall be addressed
          to the Purchaser and such Depositor and signed by an authorized officer
          of the
          Seller, and shall address each of the Servicing Criteria specified on a
          certification substantially in the form of Exhibit 14 hereto delivered
          to the
          Purchaser concurrently with the execution of this Agreement;

         

        (ii)  deliver
          to the Purchaser and any Depositor a report of a registered public accounting
          firm reasonably acceptable to the Purchaser and such Depositor that attests
          to,
          and reports on, the assessment of compliance made by the Seller and delivered
          pursuant to the preceding paragraph. Such attestation shall be in accordance
          with Rules 1-02(a)(3) and 2-02(g) of Regulation S-X under the
          Securities Act and the Exchange Act;

         

        (iii)  cause
          each Subservicer, and each Subcontractor determined by the Seller pursuant
          to
          Section 13.06(b) to be “participating in the servicing function”
within the meaning of Item 1122 of Regulation AB, to deliver to the
          Purchaser and any Depositor an assessment of compliance and accountants’
attestation as and when provided in paragraphs (a) and (b) of this
          Section; and

         

        (iv)  deliver
          to the Purchaser, any Depositor and any other Person that will be responsible
          for signing the certification (a “Sarbanes
          Certification”) required
          by Rules 13a-14(d) and 15d-14(d) under the Exchange Act (pursuant to
          Section 302 of the Sarbanes-Oxley Act of 2002) on behalf of an
          asset-backed issuer with respect to a Securitization Transaction a certification
          in the form attached hereto as Exhibit 13

         

        The
          Seller acknowledges that the parties identified in clause (a)(iv) above may
          rely on the certification provided by the Seller pursuant to such clause
          in
          signing a Sarbanes Certification and filing such with the
          Commission.

         

        (b)  Each
          assessment of compliance provided by a Subservicer .pursuant to
          Section 13.05(a)(i) shall address each of the Servicing Criteria
          specified on a certification substantially in the form of Exhibit 14 hereto
          delivered to the Purchaser concurrently with the execution of this Agreement
          or,
          in the case of a Subservicer subsequently appointed as such, on or prior
          to the
          date of such appointment. An assessment of compliance provided by a
          Subcontractor pursuant to Section 13.05(a)(iii) need not address any
          elements of the Servicing Criteria other than those specified by the Seller
          pursuant to Section 13.06.

         

        Subsection
          13.06  Use
          of
          Subservicers and Subcontractors.

         

        The
          Seller shall not hire or otherwise utilize the services of any Subservicer
          to
          fulfill any of the obligations of the Seller as servicer under this Agreement
          or
          any Reconstitution Agreement unless the Seller complies with the provisions
          of
          paragraph (a) of this Section. The Seller shall not hire or otherwise
          utilize the services of any Subcontractor, and shall not permit any Subservicer
          to hire or otherwise utilize the services of any Subcontractor, to fulfill
          any
          of the obligations of the Seller as servicer under this Agreement or any
          Reconstitution Agreement unless the Seller complies with the provisions
          of
          paragraph (b) of this Section.

         

        (a)  It
          shall
          not be necessary for the Seller to seek the consent of the Purchaser or
          any
          Depositor to the utilization of any Subservicer. The Seller shall cause
          any
          Subservicer used by the Seller (or by any Subservicer) for the benefit of
          the Purchaser and any Depositor to comply with the provisions of this
          Section and with Sections 13.02, 13.03(c) and (e), 13.04, 13.05
          and 13.07 of this Agreement to the same extent as if such Subservicer were
          the
          Seller, and to provide the information required with respect to such Subservicer
          under Section 13.03(d) of this Agreement. The Seller shall be
          responsible for obtaining from each Subservicer and delivering to the Purchaser
          and any Depositor any servicer compliance statement required to be delivered
          by
          such Subservicer under Section 13.04, any assessment of compliance and
          attestation required to be delivered by such Subservicer under
          Section 13.05 and any certification required to be delivered to the Person
          that will be responsible for signing the Sarbanes Certification under
          Section 13.05 as and when required to be delivered.

         

        (b)  It
          shall
          not be necessary for the Seller to seek the consent of the Purchaser or
          any
          Depositor to the utilization of any Subcontractor. The Seller shall promptly
          upon request provide to the Purchaser and any Depositor (or any designee
          of the
          Depositor, such as a master servicer or administrator) a written
          description (in form and substance satisfactory to the Purchaser and such
          Depositor) of the role and function of each Subcontractor utilized by the
          Seller or any Subservicer, specifying (i) the identity of each such
          Subcontractor, (ii) which (if any) of such Subcontractors are
“participating in the servicing function” within the meaning of Item 1122
          of Regulation AB, and (iii) which elements of the Servicing Criteria will
          be addressed in assessments of compliance provided by each Subcontractor
          identified pursuant to clause (ii) of this paragraph.

         

        As
          a
          condition to the utilization of any Subcontractor determined to be
“participating in the servicing function” within the meaning of Item 1122
          of Regulation AB, the Seller shall cause any such Subcontractor used by
          the
          Seller (or by any Subservicer) for the benefit of the Purchaser and any
          Depositor to comply with the provisions of Sections 13.05 and 13.07 of this
          Agreement to the same extent as if such Subcontractor were the Seller.
          The
          Seller shall be responsible for obtaining from each Subcontractor and delivering
          to the Purchaser and any Depositor any assessment of compliance and attestation
          required to be delivered by such Subcontractor under Section 13.05, in each
          case as and when required to be delivered.

         

        Subsection
          13.07  Indemnification;
          Remedies.

         

        (a)  Seller
          shall indemnify the Purchaser, each affiliate of the Purchaser, and each
          of the
          following parties participating in a Securitization Transaction: each sponsor
          and issuing entity; each Person responsible for the preparation, execution
          or
          filing of any report required to be filed with the Commission with respect
          to
          such Securitization Transaction, or for execution of a certification pursuant
          to
          Rule 13a-14(d) or Rule 15d-14(d) under the Exchange Act with respect
          to such Securitization Transaction; each broker dealer acting as underwriter,
          placement agent or initial purchaser, each Person who controls any of such
          parties or the Depositor (within the meaning of Section 15 of the
          Securities Act and Section 20 of the Exchange Act); and the respective
          present and former directors, officers, employees and agents of each of
          the
          foregoing and of the Depositor, and shall hold each of them harmless from
          and
          against any losses, damages, penalties, fines, forfeitures, reasonable
          legal
          fees and expenses and related costs, judgments, and any other costs, fees
          and
          expenses that any of them may sustain arising out of or based upon:

         

        (i)  5"(A) any
          untrue statement of a material fact contained or alleged to be contained
          in any
          information, report, certification, accountants’ letter or other material
          provided under this Article 13 by or on behalf of the Seller, or provided
          under
          this Article 13 by or on behalf of any Subservicer, Subcontractor or Third-Party
          Originator (collectively, the “Seller
          Information”),
          or
          (b) the omission or alleged omission to state in the Seller Information a
          material fact required to be stated in the Seller Information or necessary
          in
          order to make the statements therein, in the light of the circumstances
          under
          which they were made, not misleading; provided,
          by way of clarification,
          that
          clause (b) of this paragraph shall be construed solely by reference to the
          Seller Information and not to any other information communicated in connection
          with a sale or purchase of securities, without regard to whether the Seller
          Information or any portion thereof is presented together with or separately
          from
          such other information;

         

        (ii)  any
          failure by the Seller, any Subservicer, any Subcontractor or any Third-Party
          Originator to deliver any information, report, certification, accountants’
letter or other material when and as required under this Article 13, including
          any failure by the Seller to identify pursuant to Section 13.06(b) any
          Subcontractor “participating in the servicing function” within the meaning of
          Item 1122 of Regulation AB; or

         

        (iii)  any
          breach by the Seller of a representation or warranty set forth in
          Section 13.02(a) or in a writing furnished pursuant to
          Section 13.02(b) and made as of a date prior to the closing date of
          the related Securitization Transaction, to the extent that such breach
          is not
          cured by such closing date, or any breach by the Seller of a representation
          or
          warranty in a writing furnished pursuant to Section 13.02(b) to the
          extent made as of a date subsequent to such closing date.

         

        In
          the
          case of any failure of performance described in clause (a)(ii) of this
          Section, the Seller shall promptly reimburse the Purchaser, any Depositor,
          as
          applicable, and each Person responsible for the preparation, execution
          or filing
          of any report required to be filed with the Commission with respect to
          such
          Securitization Transaction, or for execution of a certification pursuant
          to Rule
          13a-14(d) or Rule 15d-14(d) under the Exchange Act with respect to
          such Securitization Transaction, for all costs reasonably incurred by each
          such
          party in order to obtain the information, report, certification, accountants’
letter or other material not delivered as required by the Seller, any
          Subservicer, any Subcontractor or any Third-Party Originator.

         

        (b)  Any
          failure by the Seller, any Subservicer, any Subcontractor or any Third-Party
          Originator to deliver any information, report, certification, accountants’
letter or other material when and as required under this Article 13, or
          any
          breach by the Seller of a representation or warranty set forth in
          Section 13.02(a) or in a writing furnished pursuant to
          Section 13.02(b) and made as of a date prior to the closing date of
          the related Securitization Transaction, to the extent that such breach
          is not
          cured by such closing date, or any breach by the Seller of a representation
          or
          warranty in a writing furnished pursuant to Section 13.02(b) to the
          extent made as of a date subsequent to such closing date, shall, except
          as
          provided in clause (ii) of this paragraph, immediately and automatically,
          without notice or grace period, constitute an Event of Default with respect
          to
          the Seller under this Agreement and any applicable Reconstitution Agreement,
          and
          shall entitle the Purchaser or Depositor, as applicable, in its sole discretion
          to terminate the rights and obligations of the Seller as servicer under
          this
          Agreement and/or any applicable Reconstitution Agreement without payment
          (notwithstanding anything in this Agreement or any applicable Reconstitution
          Agreement to the contrary) of any compensation to the Seller; provided that
          to the extent that any provision of this Agreement and/or any applicable
          Reconstitution Agreement expressly provides for the survival of certain
          rights
          or obligations following termination of the Seller as servicer, such provision
          shall be given effect.

         

        (c)  Any
          failure by the Seller, any Subservicer or any Subcontractor to deliver
          any
          information, report, certification or accountants’ letter when and as required
          under Section 13.04 or 13.05, including any failure by the Seller to
          identify pursuant to Section 13.06(b) any Subcontractor “participating
          in the servicing function” within the meaning of Item 1122 of Regulation
          AB, which continues unremedied for ten calendar days after the date on
          which
          such information, report, certification or accountants’ letter was required to
          be delivered shall constitute an Event of Default with respect to the Seller
          under this Agreement and any applicable Reconstitution Agreement, and shall
          entitle the Purchaser or Depositor, as applicable, in its sole discretion
          to
          terminate the rights and obligations of the Seller as servicer under this
          Agreement and/or any applicable Reconstitution Agreement without payment
          (notwithstanding anything in this Agreement to the contrary) of any
          compensation to the Seller; provided that to the extent that any provision
          of
          this Agreement and/or any applicable Reconstitution Agreement expressly
          provides
          for the survival of certain rights or obligations following termination
          of the
          Seller as servicer, such provision shall be given effect. 

         

        (d)  For
          Servicing Retained Mortgage Loans, the Seller shall promptly reimburse
          the
          Purchaser (or any designee of the Purchaser, such as a master servicer) and
          any Depositor, as applicable, for all reasonable expenses incurred by the
          Purchaser (or such designee) or such Depositor, as such are incurred, in
          connection with the termination of the Seller as servicer and the transfer
          of
          servicing of the Mortgage Loans to a successor servicer. The provisions
          of this
          paragraph shall not limit whatever rights the Purchaser or any Depositor
          may
          have under other provisions of this Agreement and/or any applicable
          Reconstitution Agreement or otherwise, whether in equity or at law, such
          as an
          action for damages, specific performance or injunctive relief.

         

        Subsection
          13.08  Information
          from Purchaser.

         

        With
          respect to those Mortgage Loans that were originated by Seller and sold
          to the
          Purchaser pursuant to this Agreement and subsequently securitized by the
          Purchaser or any of its Affiliates, the Purchaser shall, to the extent
          consistent with then-current industry practice in the asset-backed securities
          market, cause the servicer (or another party to such securitization) under
          the securitization to be obligated to provide, information with respect
          to the
          Mortgage Loans from and after the cut-off date of such securitization necessary
          for the Seller to comply with its obligations under Regulation AB, including,
          without limitation, providing to the Seller static pool information, as
          set
          forth in Item 1105(a)(2) and (5) of Regulation AB.

         

        SECTION
          14.  The
          Seller.

         

        Subsection
          14.01  Merger
          or Consolidation of the Seller.

         

        The
          Seller shall keep in full force and effect its existence, rights and franchises
          as a corporation under the laws of the state of its incorporation except
          as
          permitted herein, and shall obtain and preserve its qualification to do
          business
          as a foreign corporation in each jurisdiction in which such qualification
          is or
          shall be necessary to protect the validity and enforceability of this Agreement
          or any of the Mortgage Loans, and to enable the Seller to perform its duties
          under this Agreement.

         

        Any
          Person into which the Seller may be merged or consolidated, or any entity
          resulting from any merger, conversion or consolidation to which the Seller
          shall
          be a party, or any Person succeeding to the business of the Seller, shall
          be the
          successor of the Seller hereunder, without the execution or filing of any
          paper
          or any further act on the part of any of the parties hereto, anything herein
          to
          the contrary notwithstanding; provided, however, that the successor or
          surviving
          Person shall be an institution whose deposits are insured by FDIC or a
          company
          whose business is the origination and servicing of mortgage loans, shall
          be a
          Fannie Mae or Freddie Mac approved seller/servicer and shall satisfy any
          requirements of Section 16 with respect to the qualifications of a
          successor to the Seller.

         

        Subsection
          14.02  Limitation
          on Liability of the Seller and Others.

         

        Neither
          the Seller nor any of the officers, directors, employees, representatives
          or
          agents of the Seller shall be under any liability to the Purchaser or
          Purchaser’s successor and or assigns for any action taken or for refraining from
          the taking of any action in good faith in connection with the servicing
          of the
          Mortgage Loans pursuant to this Agreement, or for errors in judgment; provided,
          however, that this provision shall not protect the Seller or any such person
          against any breach of warranties or representations made herein, or failure
          to
          perform its obligations in strict compliance with any standard of care
          set forth
          in this Agreement, or any liability which would otherwise be imposed by
          reason
          of any breach of the terms and conditions of this Agreement. The Seller
          and any
          officer, director, employee, representative 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. The Seller
          shall not be under any obligation to appear in, prosecute or defend any
          legal
          action which is not incidental to its obligation to sell or duty to service
          the
          Mortgage Loans in accordance with this Agreement and which in its opinion
          may
          result in its incurring any expenses or liability; provided, however, that
          the
          Seller may, with the consent of the Purchaser, undertake any such action
          which
          it may deem necessary or desirable in respect to this Agreement and the
          rights
          and duties of the parties hereto. In such event, the legal expenses and
          costs of
          such action and any liability resulting therefrom shall be expenses, costs
          and
          liabilities for which the Purchaser shall be liable, the Seller shall be
          entitled to reimbursement therefor from the Purchaser upon written
          demand.

         

        Subsection
          14.03  Seller
          Not to Resign.

         

        The
          Seller shall not assign this Agreement or resign from the obligations and
          duties
          hereby imposed on it except by mutual consent of the Seller and the Purchaser,
          such consent not to be unreasonably withheld or upon Seller’s determination that
          its servicing duties hereunder are no longer permissible under applicable
          law
          and such incapacity cannot reasonably be cured by the Seller in which event
          the
          Seller may resign as servicer. Any such determination permitting the resignation
          of the Seller as servicer shall be evidenced by an Opinion of Counsel to
          such
          effect delivered to the Purchaser which Opinion of Counsel shall be in
          form and
          substance reasonably acceptable to the Purchaser and which shall be provided
          at
          the cost of the Seller. No such resignation shall become effective until
          a
          successor shall have assumed the Seller’s responsibilities and obligations
          hereunder in the manner provided in Section 16.

         

        Subsection
          14.04  No
          Transfer of Servicing.

         

        The
          Seller acknowledges that the Purchaser has acted in reliance upon the Seller’s
          independent status, the adequacy of its servicing facilities, plan, personnel,
          records and procedures, its integrity, reputation and financial standing
          and the
          continuance thereof. Without in any way limiting the generality of this
          Section,
          the Seller shall not either assign this Agreement or the servicing hereunder
          or
          delegate its rights or duties hereunder or any portion thereof, or sell
          or
          otherwise dispose of all or substantially all of its property or assets,
          without
          the prior written approval of the Purchaser, which consent will not be
          unreasonably withheld.

         

        Subsection
          14.05  Additional
          Indemnification by the Seller.

         

        In
          addition to the indemnification provided in Subsection 7.03, the Seller
          shall indemnify the Purchaser and hold the Purchaser harmless against any
          and
          all claims, losses, damages, penalties, fines, forfeitures, reasonable
          and
          necessary legal fees and related costs, judgments, and any other costs,
          fees and
          expenses that the Purchaser may sustain in any way related to the failure
          of the
          Seller to perform its obligations under this Agreement including but not
          limited
          to its obligation to service and administer the Mortgage Loans in strict
          compliance with the terms of this Agreement or any Reconstitution Agreement
          entered into pursuant to Section 12. The Seller shall notify the Purchaser
          if a claim is made by a third party with respect to this Agreement or the
          Mortgage Loans, assume (with the prior written consent of the
          Purchaser) the defense of any such claim and pay all expenses in connection
          therewith, including counsel fees, and to the extent Seller assumed such
          claim
          promptly pay, discharge and satisfy any judgment or decree which may be
          entered
          against it or the Purchaser in respect of such claim. The Purchaser promptly
          shall reimburse the Seller for all amounts advanced by it pursuant to the
          preceding sentence, except when the claim is in any way related to the
          Seller’s
          indemnification pursuant to Section 7 or the first sentence of this
          Subsection 13.01, or is in any way related to the failure of the Seller to
          service and administer the Mortgage Loans in strict compliance with the
          terms of
          this Agreement or any Reconstitution Agreement.

         

        SECTION
          15.  DEFAULT.

         

        Subsection
          15.01  Events
          of Default.

         

        In
          case
          one or more of the following Events of Default by the Seller shall occur
          and be
          continuing, that is to say:

         

        (i)  any
          failure by the Seller to remit to the Purchaser any payment required to
          be made
          under the terms of this Agreement which continues unremedied for a period
          of two
          (2) Business Days after the date upon which written notice of such failure,
          via overnight mail addressed to M&T Mortgage Corporation, One Fountain
          Plaza, 7th Floor, Buffalo, NY 14203 Attention: Julie Alexander is received;
          or

         

        (ii)  failure
          on the part of the Seller duly to observe or perform in any material respect
          any
          other of the covenants or agreements on the part of the Seller set forth
          in this
          Agreement which continues unremedied for a period of thirty days after
          the date
          on which written notice of such failure, requiring the same to be remedied,
          shall have been given to the Seller by the Purchaser, provided, however,
          the
          Seller shall have such additional time as may be needed to cure the noticed
          failure in the event more than thirty days are required in so long as the
          Seller
          diligently pursues such remedy; or

         

        (iii)  a
          decree
          or order of a court or agency or supervisory authority having jurisdiction
          for
          the appointment of a conservator or receiver or liquidator in any insolvency,
          bankruptcy, readjustment of debt, marshalling of assets and liabilities
          or
          similar proceedings, or for the winding up or liquidation of its affairs,
          shall
          have been entered against the Seller and such decree or order shall have
          remained in force undischarged or unstayed for a period of sixty days;
          or

         

        (iv)  the
          Seller shall consent to the appointment of a conservator or receiver or
          liquidator in any insolvency, bankruptcy, readjustment of debt, marshalling
          of
          assets and liabilities or similar proceedings of or relating to the Seller
          or of
          or relating to all or substantially all of its property; or

         

        (v)  the
          Seller shall admit in writing its inability to pay its debts generally
          as they
          become due, file a petition to take advantage of any applicable insolvency
          or
          reorganization statute, make an assignment for the benefit of its creditors,
          or
          voluntarily suspend payment of its obligations; or

         

        (vi)  failure
          by the Seller to be in compliance with the “doing business” or licensing laws of
          any jurisdiction where a Mortgaged Property is located and which continues
          unremedied for a period of thirty days after the date on which written
          notice of
          such failure, requiring the same to be remedied, shall have been given
          to the
          Seller by the Purchaser, provided, however, the Seller shall have such
          additional time as may be needed to cure the noticed failure in the event
          more
          than thirty days are required in so long as the Seller diligently pursues
          such
          remedy; or

         

        (vii)  the
          Seller has its right to service permanently suspended by Fannie Mae and
          Freddie
          Mac or otherwise ceases to meet the qualifications of a Fannie Mae and
          Freddie
          Mac seller/servicer; or

         

        (viii)  the
          Seller attempts to assign its right to servicing compensation hereunder
          or the
          Seller attempts, without the consent of the Purchaser, to sell or otherwise
          dispose of all or substantially all of its property or assets or to assign
          this
          Agreement or the servicing responsibilities hereunder or to delegate its
          duties
          hereunder or any portion thereof.

         

        then,
          and
          in each and every such case, so long as a material Event of Default shall
          not
          have been remedied, the Purchaser, by notice in writing to the Seller may,
          in
          addition to whatever rights the Purchaser may have at law or equity to
          damages,
          including injunctive relief and specific performance, terminate all the
          rights
          and obligations of the Seller as servicer under this Agreement. Notwithstanding
          the foregoing, in the event an Event of Default relating to (vi) cannot be
          remedied the Purchaser may terminate the rights and obligations of the
          Seller as
          servicer under this Agreement with respect to the specific jurisdiction
          in
          question. On or after the receipt by the Seller of such written notice,
          all
          authority and power of the Seller to service the Mortgage Loans under this
          Agreement shall on the date set forth in such notice pass to and be vested
          in
          the successor appointed pursuant to Section 16.

         

        Subsection
          15.02  Waiver
          of Defaults.

         

        The
          Purchaser may waive any default by the Seller in the performance of its
          obligations hereunder and its consequences. Upon any such waiver of a past
          default, such default shall cease to exist, and any Event of Default arising
          therefrom shall be deemed to have been remedied for every purpose of this
          Agreement. No such waiver shall extend to any subsequent or other default
          or
          impair any right consequent thereon except to the extent expressly so
          waived.

         

        SECTION
          16.  Termination.

         

        The
          respective obligations and responsibilities of the Seller, as servicer,
          shall
          terminate (i) with respect to the Servicing Released Mortgage Loans, at the
          expiration of the Interim Servicing Period unless terminated on an earlier
          date
          at the option of the Purchaser pursuant to this Section 15 or pursuant to
          Section 14 or (ii) with respect to the Servicing Retained Mortgage
          Loans, upon the distribution to the Purchaser of the final payment or
          liquidation with respect to the last Mortgage Loan (or advances of same
          by the
          Seller) or the disposition of all property acquired upon foreclosure or
          deed in lieu of foreclosure with respect to the last Mortgage Loan and
          the
          remittance of all funds due hereunder unless terminated with respect to
          all or a
          portion of the Mortgage Loans on an earlier date at the option of the Purchaser
          pursuant to this Section 15 or pursuant to Section 14. In connection
          with the Servicing Retained Mortgage Loans, in the event that the Seller
          is
          terminated pursuant to this Section 15 without cause, the Purchaser shall
          pay to the Seller a termination fee in an amount equal to the higher of
          two
          independent bids obtained by the Purchaser for the servicing rights, as
          of the
          date of such termination, of the Servicing Retained Mortgage Loans with
          respect
          to which the Seller is being terminated as servicer. Upon written request
          from
          the Purchaser in connection with any such termination, the Seller shall
          prepare,
          execute and deliver, any and all documents and other instruments, place
          in the
          Purchaser’s possession all Mortgage Files, and do or accomplish all other acts
          or things necessary or appropriate to effect the purposes of such notice
          of
          termination, whether to complete the transfer and endorsement or assignment
          of
          the Mortgage Loans and related documents, or otherwise, at the Seller’s sole
          expense. The Seller agrees to cooperate with the Purchaser and such successor
          in
          effecting the termination of the Seller’s responsibilities and rights hereunder
          as servicer, including, without limitation, the transfer to such successor
          for
          administration by it of all cash amounts which shall at the time be credited
          by
          the Seller to the Custodial Account, or Escrow Account or thereafter received
          with respect to the Mortgage Loans. Simultaneously with such termination
          pursuant to this Section 15, and the transfer of servicing hereunder: the
          Seller shall be entitled to be reimbursed for any outstanding Servicing
          Advances, Servicing Fees and Monthly Advances.

         

        SECTION
          17.  Successor
          to the Seller.

         

        Prior
          to
          termination of Seller’s responsibilities and duties under this Agreement
          pursuant to Sections 12, 14 or 15 herein, the Purchaser shall
          (i) succeed to and assume all of the Seller’s responsibilities, rights,
          duties and obligations under this Agreement, or (ii) appoint a successor
          which shall succeed to all rights and assume all of the responsibilities,
          duties
          and liabilities of the Seller as servicer under this Agreement. In connection
          with such appointment and assumption, the Purchaser may make such arrangements
          for the compensation of such successor out of payments on Mortgage Loans
          as it
          and such successor shall agree. In the event that the Seller’s duties,
          responsibilities and liabilities as servicer under this Agreement should
          be
          terminated pursuant to the aforementioned Sections, the Seller shall discharge
          such duties and responsibilities during the period from the date it acquires
          knowledge of such termination until the effective date thereof with the
          same
          degree of diligence and prudence which it is obligated to exercise under
          this
          Agreement, and shall take no action whatsoever that might impair or prejudice
          the rights or financial condition of the Purchaser or such successor. The
          termination of the Seller as servicer pursuant to the aforementioned
          Sections shall not become effective until a successor shall be appointed
          pursuant to this Section 16 and shall in no event relieve the Seller of the
          representations and warranties made pursuant to Subsections 7.01 and 7.02
          and the remedies available to the Purchaser under Subsection 7.03, it being
          understood and agreed that the provisions of such Subsections 7.01, 7.02
          and 7.03 shall be applicable to the Seller notwithstanding any such resignation
          or termination of the Seller, or the termination of this Agreement.

         

        Any
          successor appointed as provided herein shall execute, acknowledge and deliver
          to
          the Seller and to the Purchaser an instrument accepting such appointment,
          whereupon such successor shall become fully vested with all the rights,
          powers,
          duties, responsibilities, obligations and liabilities of the Seller, with
          like
          effect as if originally named as a party to this Agreement provided, however,
          that such successor shall not assume, and Seller shall indemnify such successor
          for, any and all liabilities arising out of the Seller’s acts as servicer. Any
          termination of the Seller as servicer pursuant to Section 12, 14 or 15
          shall not affect any claims that the Seller or Purchaser may have against
          each
          other arising prior to any such termination or resignation or remedies
          with
          respect to such claims.

         

        If
          any of
          the Mortgage Loans are MERS Mortgage Loans, in connection with the termination
          or resignation of the Seller hereunder, either (i) the successor servicer
          shall represent and warrant that it is a member of MERS in good standing
          and
          shall agree to comply in all material respects with the rules and procedures
          of
          MERS in connection with the servicing of the Mortgage Loans that are registered
          with MERS, or (ii) the predecessor Seller shall cooperate with the
          successor servicer either (x) in causing MERS to execute and deliver an
          assignment of Mortgage in recordable form to transfer the Mortgage from
          MERS to
          the Purchaser and to execute and deliver such other notices, documents
          and other
          instruments as may be necessary or desirable to effect a transfer of such
          Mortgage Loan or servicing of such Mortgage Loan on the MERS System to
          the
          successor servicer or (y) in causing MERS to designate on the MERS System
          the successor servicer as the servicer of such Mortgage Loan.

         

        The
          Seller shall timely deliver to the successor the funds in the Custodial
          Account,
          and the Escrow Account and the Servicing Files and related documents and
          statements held by it hereunder and the Seller shall account for all funds.
          The
          Seller shall execute and deliver such instruments and do such other things
          all
          as may reasonably be required to more fully and definitely vest and confirm
          in
          the successor all such rights, powers, duties, responsibilities, obligations
          and
          liabilities of the Seller as servicer. Within 30 days of the Servicing
          Transfer
          Date, the successor servicer shall reimburse the Seller for amounts the
          Seller
          actually expended as servicer pursuant to this Agreement which would otherwise
          have been recovered by the Seller pursuant to this Agreement but for the
          appointment of the successor servicer, including but not limited to Servicing
          Advances, Monthly Advances and Service Fees.

         

        SECTION
          18.  Financial
          Statements.

         

        The
          Seller understands that in connection with the Purchaser’s marketing of the
          Mortgage Loans, the Purchaser shall make available to prospective purchasers
          the
          Seller’s financial statements for the most recently completed three fiscal years
          respecting which such statements are available. The Seller also shall make
          available any comparable interim statements to the extent any such statements
          have been prepared by the Seller (and are available upon request to members
          or
          stockholders of the Seller or the public at large). The Seller, if it has
          not
          already done so, agrees to furnish promptly to the Purchaser copies of
          the
          statements specified above. As agreed between Purchaser and- Seller, also
          shall
          make available information on its servicing performance with respect to
          mortgage
          loans serviced for others, including delinquency ratios.

         

        The
          Seller also agrees to allow reasonable access to knowledgeable financial,
          accounting, origination and servicing officers of the Seller for the purpose
          of
          answering questions asked by any prospective purchaser regarding recent
          developments affecting the Seller, its loan origination or servicing practices
          or the financial statements of the Seller.

         

        SECTION
          19.  Notices.

         

        All
          demands, notices and communications hereunder shall be in writing and shall
          be
          deemed to have been duly given if mailed, by registered or certified mail,
          return receipt requested, or, if by other means, when received by the other
          party at the address as follows:

         

        
          	 	
                  (a)

                	
                  if
                    to the Seller:

                

        

         

        

         

        M&T
          MORTGAGE CORPORATION

        One
          Fountain Plaza

        Buffalo,
          NY 14203

        Attn:
          Tom
          Esposito

        Telecopy:
          716-848-7013

         

        with
          a
          copy to:

         

        M&T
          MORTGAGE CORPORATION

        One
          M&T Plaza, 12th Floor

        Buffalo,
          NY 14203

        Attn:
          General Counsel

        Telecopy:
          716-842-5376

         

        
          	 	
                  (b)

                	
                  if
                    to the Purchaser:

                

        

         

        

         

        Goldman
          Sachs Mortgage Company

        85
          Broad
          Street

        New
          York,
          New York 10004

        Attention:
          David Stiepelman, Esq.

         

        or
          such
          other address as may hereafter be furnished to the other party by like
          notice.
          Any such demand, notice or communication hereunder shall be deemed to have
          been
          received on the date delivered to or received at the premises of the addressee
          (as evidenced, in the case of registered or certified mail, by the date
          noted on
          the return receipt).

         

        SECTION
          20.  Severability
          Clause.

         

        Any
          part,
          provision, representation or warranty of this Agreement which is prohibited
          or
          which is held to be void or unenforceable shall be ineffective to the extent
          of
          such prohibition or unenforceability without invalidating the remaining
          provisions hereof. Any part, provision, representation or warranty of this
          Agreement which is prohibited or unenforceable or is held to be void or
          unenforceable in any jurisdiction shall be ineffective, as to such jurisdiction,
          to the extent of such prohibition or unenforceability without invalidating
          the
          remaining provisions hereof, and any such prohibition or unenforceability
          in any
          jurisdiction as to any Mortgage Loan shall not invalidate or render
          unenforceable such provision in any other jurisdiction. To the extent permitted
          by applicable law, the parties hereto waive any provision of law which
          prohibits
          or renders void or unenforceable any provision hereof. If the invalidity
          of any
          part, provision, representation or warranty of this Agreement shall deprive
          any
          party of the economic benefit intended to be conferred by this Agreement,
          the
          parties shall negotiate, in good faith, to develop a structure the economic
          effect of which is nearly as possible the same as the economic effect of
          this
          Agreement without regard to such invalidity.

         

        SECTION
          21.  Counterparts.

         

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

         

        SECTION
          22.  Governing
          Law.

         

        THE
          AGREEMENT SHALL BE CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF
          NEW
          YORK WITHOUT REGARD TO ANY CONFLICTS OF LAW PROVISIONS AND THE OBLIGATIONS,
          RIGHTS AND REMEDIES OF THE PARTIES HEREUNDER SHALL BE DETERMINED IN ACCORDANCE
          WITH THE LAWS OF THE STATE OF NEW YORK, EXCEPT TO THE EXTENT PREEMPTED
          BY
          FEDERAL LAW.

         

        SECTION
          23.  Intention
          of the Parties.

         

        It
          is the
          intention of the parties that the Purchaser is purchasing, and the Seller
          is
          selling, the Mortgage Loans and not a debt instrument of the Seller or
          another
          security. 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 Mortgage Loans. The Purchaser shall have the right to
          review
          the Mortgage Loans and the related Mortgage Loan Files to determine the
          characteristics of the Mortgage Loans which shall affect the federal income
          tax
          consequences of owning the Mortgage Loans and the Seller shall cooperate
          with
          all reasonable requests made by the Purchaser in the course of such
          review.

         

        SECTION
          24.  Successors
          and Assigns.

         

        This
          Agreement shall bind and inure to the benefit of and be enforceable by
          the
          Seller and the Purchaser and the respective successors and assigns of the
          Seller
          and the Purchaser. The Purchaser may assign this Agreement to any Person
          to whom
          any Mortgage Loan is transferred whether pursuant to a sale or financing
          and to
          any Person to whom the servicing or master servicing of any Mortgage Loan
          is
          sold or transferred. Upon any such assignment, the Person to whom such
          assignment is made shall succeed to all rights and obligations of the Purchaser
          under this Agreement to the extent of the related Mortgage Loan or Mortgage
          Loans and this Agreement, to the extent of the related Mortgage Loan or
          Mortgage
          Loans, shall be deemed to be a separate and distinct Agreement between
          the
          Seller and such Purchaser, and a separate and distinct Agreement between
          the
          Seller and each other Purchaser to the extent of the other related Mortgage
          Loan
          or Mortgage Loans. This Agreement shall not be assigned, pledged or hypothecated
          by the Seller to a third party without the consent of the
          Purchaser.

         

        SECTION
          25.  Waivers.

         

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

         

        SECTION
          26.  Exhibits.

         

        The
          exhibits to this Agreement are hereby incorporated and made a part hereof
          and
          are an integral part of this Agreement.

         

        SECTION
          27.  General
          Interpretive Principles.

         

        For
          purposes of this Agreement, except as otherwise expressly provided or unless
          the
          context otherwise requires:

         

        (a)  the
          terms
          defined in this Agreement have the meanings assigned to them in this Agreement
          and include the plural as well as the singular, and the use of any gender
          herein
          shall be deemed to include the other gender;

         

        (b)  accounting
          terms not otherwise defined herein have the meanings assigned to them in
          accordance with generally accepted accounting principles;

         

        (c)  references
          herein to “Articles,” “Sections,” “Subsections,” “Paragraphs,” and other
          Subdivisions without reference to a document are to designated Articles,
          Sections, Subsections, Paragraphs and other subdivisions of this
          Agreement;

         

        (d)  reference
          to a Subsection without further reference to a Section is a reference
          to such Subsection as contained in the same Section in which the
          reference appears, and this rule shall also apply to Paragraphs and other
          subdivisions;

         

        (e)  the
          words
“herein,” “hereof,” “hereunder” and other words of similar import refer to this
          Agreement as a whole and not to any particular provision; and

         

        (f)  the
          term
“include” or “including” shall mean without limitation by reason of
          enumeration.

         

        SECTION
          28.  Nonsolicitation.

         

        From
          and
          after the date of the related Commitment Letter, the Seller covenants and
          agrees
          that it will not take any action or facilitate or cause any action to be
          taken
          by any of its agents or affiliates, or by any independent contractors on
          the
          Seller’s behalf, to personally, by telephone or mail, solicit the Mortgagor
          under any Mortgage Loan to refinance such Mortgage Loan, or alter the payment
          terms of any Mortgage Loan in whole or in part or provide information to
          any
          other entity to solicit the refinancing of any Mortgage Loan, in whole
          or in
          part, without the prior written consent of the Owner. Notwithstanding the
          foregoing, it is understood and agreed that promotions (including for the
          refinancing of mortgage loans) undertaken by the Seller or any affiliates
          of the Seller which are directed to the general public at large, or segments
          thereof, provided that no segment shall consist primarily of the Mortgage
          Loans,
          including, without limitation, mass mailing advertisements based on commercially
          acquired mailing lists or the Seller’s entire servicing portfolio, and
          newspaper, radio and television advertisements shall not constitute solicitation
          under this Section 27. This Section 27 shall not be deemed to preclude
          the Seller or any of its affiliates from soliciting any Mortgagor for any
          other
          financial products or services.

         

        SECTION
          29.  Reproduction
          of Documents.

         

        This
          Agreement and all documents relating thereto, including, without limitation,
          (a) consents, waivers and modifications which may hereafter be executed,
          (b) documents received by any party at the closing, and (c) financial
          statements, certificates and other information previously or hereafter
          furnished, may be reproduced by any photographic, photostatic, microfilm,
          micro
          card, miniature photographic or other similar process. The parties agree
          that
          any such reproduction shall be admissible in evidence as the original itself
          in
          any judicial or administrative proceeding, whether or not the original
          is in
          existence and whether or not such reproduction was made by a party in the
          regular course of business, and that any enlargement, facsimile or further
          reproduction of such reproduction shall likewise be admissible in
          evidence.

         

        SECTION
          30.  Further
          Agreements.

         

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

         

        SECTION
          31.  Entire
          Agreement.

         

        This
          Agreement constitutes the entire agreement and understanding of the parties
          with
          respect to the matters and transactions contemplated by this Agreement
          and,
          except to the extent otherwise set forth in writing or specifically provided
          for
          in the Commitment Letter, supersedes any prior agreement and understandings
          with
          respect to those matters and transactions.

         

        SECTION
          32.  Relationship
          of the 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
          33.  Waiver
          of Trial by Jury.

         

        THE
          SELLER AND THE PURCHASER EACH KNOWINGLY, VOLUNTARILY AND INTENTIONALLY
          WAIVES TO
          THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW ANY RIGHT IT MAY HAVE TO
          A TRIAL
          BY JURY OF ANY DISPUTE ARISING UNDER OR RELATING TO THIS AGREEMENT OR THE
          TRANSACTIONS CONTEMPLATED HEREBY.

         

        SECTION
          34.  Submission
          To Jurisdiction; Waivers.

         

        The
          Seller hereby irrevocably and unconditionally:

         

        (A)  SUBMITS
          FOR ITSELF AND ITS PROPERTY IN ANY LEGAL ACTION OR PROCEEDING RELATING
          TO THIS
          AGREEMENT, OR FOR RECOGNITION AND ENFORCEMENT OF ANY JUDGMENT IN RESPECT
          THEREOF, TO THE NON-EXCLUSIVE GENERAL JURISDICTION OF THE COURTS OF THE
          STATE OF
          NEW YORK, THE FEDERAL COURTS OF THE UNITED STATES OF AMERICA FOR THE SOUTHERN
          DISTRICT OF NEW YORK, AND APPELLATE COURTS FROM ANY THEREOF;

         

        (B)  CONSENTS
          THAT ANY SUCH ACTION OR PROCEEDING MAY BE BROUGHT IN SUCH COURTS AND, TO
          THE
          EXTENT PERMITTED BY LAW, WAIVES ANY OBJECTION THAT IT MAY NOW OR HEREAFTER
          HAVE
          TO THE VENUE OF ANY SUCH ACTION OR PROCEEDING IN ANY SUCH COURT OR THAT
          SUCH
          ACTION OR PROCEEDING WAS BROUGHT IN AN INCONVENIENT COURT AND AGREES NOT
          TO
          PLEAD OR CLAIM THE SAME;

         

        (C)  AGREES
          THAT SERVICE OF PROCESS IN ANY SUCH ACTION OR PROCEEDING MAY BE EFFECTED
          BY
          MAILING A COPY THEREOF BY REGISTERED OR CERTIFIED MAIL (OR ANY SUBSTANTIALLY
          SIMILAR FORM OF MAIL), POSTAGE PREPAID, TO ITS ADDRESS SET FORTH HEREIN
          OR AT
          SUCH OTHER ADDRESS OF WHICH THE PURCHASER SHALL HAVE BEEN NOTIFIED;
          AND

         

        (D)  AGREES
          THAT NOTHING HEREIN SHALL AFFECT THE RIGHT TO EFFECT SERVICE OF PROCESS
          IN ANY
          OTHER MANNER PERMITTED BY LAW OR SHALL LIMIT THE RIGHT TO SUE IN ANY OTHER
          JURISDICTION.

         

        [SIGNATURE
          PAGE FOLLOWS]

        

        

        
          
            
            

          

          
            
            

            
              

            

          

          
            
            

          

        

         

        IN
          WITNESS WHEREOF, the Seller and the Purchaser have caused their names to
          be
          signed hereto by their respective officers thereunto duly authorized as
          of the
          date first above written.

         

        

        
          	 	 	 	 	 	 	 	
                  M&T
                    MORTGAGE CORPORATION

                  (Seller)

                
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
                  By:

                	 
	 	 	 	 	 	 	 	
                  Name:

                	 
	 	 	 	 	 	 	 	
                  Title:

                	 

        

         

        

        
          	 	 	 	 	 	 	 	
                  GOLDMAN
                    SACHS MORTGAGE COMPANY

                  (Purchaser)

                
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
                  By:

                	 
	 	 	 	 	 	 	 	
                  Name:

                	 
	 	 	 	 	 	 	 	
                  Title:

                	 

        

         

        

         

        

        

        

        
          
            
            

          

          
            
            

            
              

            

          

          
            
            

          

        

         

        EXHIBIT
          1

         

        SELLER’S
          OFFICER’S CERTIFICATE

         

        I,
          ________________________, hereby certify that I am the duly elected
          ______________ of M&T Mortgage Corporation, a New York corporation (the
“Seller”),
          and
          further certify, on behalf of the Seller as follows:

         

        (1)  Attached
          hereto as Attachment I are a true and correct copy of the [Certificate
          of
          Incorporation and by laws] of the Seller as are in full force and effect
          on the
          date hereof.

         

        (2)  No
          proceedings looking toward merger, liquidation, dissolution or bankruptcy
          of the
          Seller are pending.

         

        (3)  Each
          person who, as an officer or attorney in fact of the Seller, signed (a) the
          Master Mortgage Loan Purchase and Servicing Agreement (the “Purchase
          Agreement”),
          dated
          as of November 1, 2005, by and between the Seller and (the “Purchaser”);
          (b) the Commitment Letter, dated _____________ 2005, between the Seller and
          the Purchaser (the “Commitment
          Letter”);
          and
          (c) any other document delivered prior hereto or on the date hereof in
          connection with the sale and servicing of the mortgage loans in accordance
          with
          the Purchase Agreement and the Commitment Letter was, at the respective
          times of
          such signing and delivery, and is as of the date hereof, duly elected or
          appointed, qualified and acting as such officer or attorney in fact, and
          the
          signatures of such persons appearing on such documents are their genuine
          signatures.

         

        (4)  Attached
          hereto as Attachment II is a true and correct copy of the resolutions duly
          adopted by the board of directors of the Seller on ________________, 200_
          (the
“Resolutions”) with
          respect to the authorization and approval of the sale and servicing of
          the
          mortgage loans; said Resolutions have not been amended, modified, annulled
          or
          revoked and are in full force and effect on the date hereof.

         

        (5)  Attached
          hereto as Attachment III is a Certificate of Good Standing of the Seller
          dated
          ______________, 200_. No event has occurred since ___________________,
          200_
          which has affected the good standing of the Seller under the laws of the
          State
          of ___________.

         

        (6)  All
          of
          the representations and warranties of the Seller contained in
          Subsections 7.01 of the Purchase Agreement were true and correct in all
          material respects as of the date of the Purchase Agreement and are true
          and
          correct in all material respects as of the date hereof.

         

        (7)  The
          Seller has performed all of its duties and has satisfied all the material
          conditions on its part to be performed or satisfied prior to the related
          Closing
          Date pursuant to the Purchase Agreement and the related Commitment
          Letter.

         

        All
          capitalized terms used herein and not otherwise defined shall have the
          meaning
          assigned to them in the Purchase Agreement.

         

        

        
          
            
            

          

          
            
            

            
              

            

          

          
            
            

          

        

         

        IN
          WITNESS WHEREOF, I have hereunto signed my name and affixed the seal of
          the
          Seller.

         

        	Dated:  	 

         

        [Seal]

         

        
          	 	 	 	 	 	 	 	
                  M&T
                    MORTGAGE CORPORATION

                  (Seller)

                
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
                  By:

                	 
	 	 	 	 	 	 	 	
                  Name:

                	 
	 	 	 	 	 	 	 	
                  Title:

                	 

        

         

        

         

        I,
          _______________________, Secretary of the Seller, hereby certify that
          _________________________ is the duly elected, qualified and acting Vice
          President of the Seller and that the signature appearing above is his genuine
          signature.

         

        IN
          WITNESS WHEREOF, I have hereunto signed my name.

         

        	Dated:  	 

         

        [Seal]

         

        
          	 	 	 	 	 	 	 	
                  M&T
                    MORTGAGE CORPORATION

                  (Seller)

                
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
                  By:

                	 
	 	 	 	 	 	 	 	
                  Name:

                	 
	 	 	 	 	 	 	 	
                  Title:

                	 

        

         

        

        

        

        
          
            
            

          

          
            
            

            
              

            

          

          
            
            

          

        

         

        EXHIBIT
          2

         

        SERVICING
          TRANSFER INSTRUCTIONS

        [successor
          servicer TO PROVIDE FOR FORM]

        

        

        
          
            
            

          

          
            
            

            
              

            

          

          
            
            

          

        

         

        EXHIBIT
          3

         

        SECURITY
          RELEASE CERTIFICATION

         

        I. Release
          of Security Interest

         

        ___________________________,
          hereby relinquishes any and all right, title and interest it may have in
          and to
          the Mortgage Loans described in Exhibit A attached hereto upon purchase
          thereof
          by Goldman Sachs Mortgage Company from the Seller named below pursuant
          to that
          certain Master Mortgage Loan Purchase and Servicing Agreement, dated as
          of , as
          of the date and time of receipt by ______________________________ of $__________
          for such Mortgage Loans (the “Date
          and Time of Sale”),
          and
          certifies that all notes, mortgages, assignments and other documents in
          its
          possession relating to such Mortgage Loans have been delivered and released
          to
          the Seller named below or its designees as of the Date and Time of
          Sale.

         

        

        
          	 	 	 	 	 	 	 	
                  Name
                    and Address of Financial Institution

                  (Name)

                  (Address)

                
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
                  By:

                	 

        

         

        

         

        II. Certification
          of Release

         

        The
          Seller named below hereby certifies to Goldman Sachs Mortgage Company that,
          as
          of the Date and Time of Sale of the above mentioned Mortgage Loans to Goldman
          Sachs Mortgage Company, the security interests in the Mortgage Loans released
          by
          the above named corporation comprise all security interests relating to
          or
          affecting any and all such Mortgage Loans. The Seller warrants that, as
          of such
          time, there are and will be no other security interests affecting any or
          all of
          such Mortgage Loans.

         

        

        
          	 	 	 	 	 	 	 	
                  Seller

                
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
                  By:

                	 
	 	 	 	 	 	 	 	
                  Name:

                	 
	 	 	 	 	 	 	 	
                  Title:

                	 

        

        

        

        
          
            
            

          

          
            
            

            
              

            

          

          
            
            

          

        

         

        EXHIBIT
          4

         

        ASSIGNMENT
          AND CONVEYANCE

         

        On
          this
          _______ day of ________, 200_, M&T Mortgage Corporation (“Seller”) as
          the Seller under that certain Master Mortgage Loan Purchase and Servicing
          Agreement, dated as of (the “Agreement”) does
          hereby sell, transfer, assign, set over and convey to Goldman Sachs Mortgage
          Company as Purchaser under the Agreement, without recourse, but subject
          to the
          terms of the Agreement, all rights, title and interest of the Seller in
          and to
          the Mortgage Loans listed on the Mortgage Loan Schedule attached hereto,
          together with the related Mortgage Files and all rights and obligations
          arising
          under the documents contained therein pursuant to the Commitment Letter
          dated as
          of [DATE]. Pursuant to Section 6.03 of the Agreement, the Seller has
          delivered to the Purchaser or its designee the documents for each Mortgage
          Loan
          to be purchased as set forth in the Agreement. The contents of each related
          Servicing File required to be retained by the Seller to service the Mortgage
          Loans pursuant to the Agreement and thus not delivered to the Purchaser
          are and
          shall be held in trust by the Seller for the benefit of the Purchaser as
          the
          owner thereof. The Seller’s possession of any portion of each such Servicing
          File is at the will of the Purchaser for the sole purpose of facilitating
          servicing of the related Mortgage Loan pursuant to the Agreement, and such
          retention and possession by the Seller shall be in a custodial capacity
          only.
          The ownership of each Mortgage Note, Mortgage, and the contents of the
          Mortgage
          File and Servicing File is vested in the Purchaser and the ownership of
          all
          records and documents with respect to the related Mortgage Loan prepared
          by or
          which come into the possession of the Seller shall immediately vest in
          the
          Purchaser and shall be retained and maintained, in trust, by the Seller
          at the
          will of the Purchaser in such custodial capacity only.

         

        The
          Seller confirms to the Purchaser that the representation and warranties
          set
          forth in Sections 7.01 and 7.02 of the Agreement are true and correct as of
          the date hereof, and that all statements made in the Seller’s Officer’s
          Certificates and all attachments thereto remain complete, true and correct
          in
          all respects as of the date hereof. Capitalized terms used herein and not
          otherwise defined shall have the meanings set forth in the
          Agreement.

         

        

        
          	 	 	 	 	 	 	 	
                  M&T
                    MORTGAGE CORPORATION

                  (Seller)

                
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
                  By:

                	 
	 	 	 	 	 	 	 	
                  Name:

                	 
	 	 	 	 	 	 	 	
                  Title:

                	 

        

         

        

        

        

        
          
            
            

          

          
            
            

            
              

            

          

          
            
            

          

        

         

        EXHIBIT
          5

         

        CONTENTS
          OF EACH MORTGAGE FILE

         

        With
          respect to each Mortgage Loan, the Mortgage File shall include, as applicable,
          each of the following items, which shall be available for inspection by
          the
          Purchaser and which shall be retained by the Seller or delivered to the
          Purchaser, or its designee:

         

        1.  The
          original Mortgage Note together with any applicable riders, bearing all
          intervening endorsements necessary to show a complete chain of endorsements
          from
          the original payee to the last endorsee, endorsed (on the Mortgage Note
          or an
          allonge attached thereto) “Pay to the order of ________________ without
          recourse,” and signed in the name of the last endorsee by a duly qualified
          officer of the last endorsee. If the Mortgage Loan was acquired by the
          last
          endorsee in a merger, the endorsement must be by “[name of last endorsee],
          successor by merger to [name of predecessor]”. If the Mortgage Loan was acquired
          or originated by the last endorsee while doing business under another name,
          the
          endorsement must be by “[name of last endorsee], formerly known as [previous
          name]”;

         

        2.  Except
          as
          provided below and for each Mortgage Loan that is not a MERS Mortgage Loan,
          the
          original Mortgage with evidence of recording thereon, or a copy of the
          original
          mortgage with evidence of recording thereon. If the original Mortgage has
          not
          been returned from the applicable public recording office, a duplicate
          copy of
          the original Mortgage which has been delivered for recording in the appropriate
          public recording office of the jurisdiction in which the Mortgaged Property
          is
          located and in the case of each MERS Mortgage Loan, the original Mortgage,
          noting the presence of the MIN of the Mortgage Loan and either language
          indicating that the Mortgage Loan is a MOM Loan or if the Mortgage Loan
          was not
          a MOM Loan at origination, the original Mortgage and the assignment thereof
          to
          MERS, with evidence of recording indicated thereon, or a copy of the original
          mortgage with evidence of recording thereon. If the original Mortgage has
          not
          been returned from the applicable public recording office, a duplicate
          copy of
          the original Mortgage which has been delivered for recording in the appropriate
          public recording office of the jurisdiction in which the Mortgaged Property
          is
          located.

         

        3.  In
          the
          case of each Mortgage Loan that is not a MERS Mortgage Loan, the original
          Assignment of Mortgage, in blank, executed via original signature, which
          assignment shall be in form and substance acceptable for recording (except
          for
          the insertion of the name of the assignee and the related Mortgage recording
          information). If the Mortgage Loan was acquired by the last assignee in
          a
          merger, the Assignment of Mortgage must be made by “[name of last assignee],
          successor by merger to [name of predecessor]”. If the Mortgage Loan was acquired
          or originated by the last assignee while doing business under another name,
          the
          Assignment of Mortgage must be by “[name of last assignee], formerly known as
          [previous name]”;

         

        4.  Originals
          of all intervening assignments of mortgage (if applicable), with evidence
          of
          recording thereon, showing a complete chain of title from the originator
          to the
          last assignee, or if any such intervening assignment of mortgage has not
          been
          returned from the applicable public recording office or has been lost or
          if such
          public recording office retains the original recorded intervening assignments
          of
          mortgage, a photocopy of such intervening assignment of mortgage;

         

        5.  Originals
          of all assumption, modification, consolidation or extension agreements,
          if any,
          with evidence of recording thereon, or if any such assumption, modification,
          consolidation or extension agreement has not been returned from the applicable
          public recording office or has been lost or if such public recording office
          retains the original recorded document, a photocopy of such
          document;

         

        6.  If
          the
          Mortgage Note or Mortgage was executed pursuant to a power of attorney
          or other
          instrument that authorized or empowered such Person to sign, the original
          power
          of attorney (or such other instrument), with evidence of recording thereon,
          unless such originals are permanently retained by the applicable recording
          office (in which event, a photocopy of each such original);

         

        7.  The
          original mortgagee title insurance policy or (ii) if such policy has not
          been issued, a certified true copy of the related policy binder or commitment
          for title;

         

        If
          any
          original recorded document required to be delivered to the Purchaser has
          been
          lost or if such public recording office retains the original recorded document,
          then in lieu of delivering such original, the Seller shall deliver, or
          cause to
          be delivered, a photocopy of such original document.

         

        If
          any
          such other original document which has been delivered for recording to
          the
          appropriate public recording office of the jurisdiction in which the Mortgaged
          Property is located but has not yet been returned by such recording office,
          in
          lieu of delivering such original, the Seller shall deliver, or cause to
          be
          delivered, a complete copy of such document.

         

        8.  the
          original Primary Insurance Policy, if the Loan-to-Value Ratio is greater
          than
          80.00%.

         

        9.  Residential
          loan application.

         

        10.  Mortgage
          Loan closing statement.

         

        11.  Verification
          of employment and income, if applicable to Mortgage Loan product.

         

        12.  Verification
          of acceptable evidence of source and amount of downpayment, if applicable
          to
          Mortgage Loan product.

         

        13.  Credit
          report on Mortgagor.

         

        14.  Residential
          appraisal report.

         

        15.  Photograph
          of the Mortgaged Property, if required by residential appraisal
          report.

         

        16.  Survey
          of
          the Mortgaged Property, or title policy endorsement indicating no
          change.

         

        17.  Copy
          of
          each instrument necessary to complete identification of any exception set
          forth
          in the exception schedule in the title policy, i.e., map or plat, restrictions,
          easements, sewer agreements, home association declarations, etc.

         

        18.  All
          required disclosure statements

         

        19.  If
          available, termite report, structural engineer’s report, water potability and
          septic certification.

         

        20.  Sales
          Contract, if applicable.

         

        21.  Hazard
          insurance policy or binder.

         

        22.  Insurance
          claim files, correspondence, and all other processing, underwriting and
          closing
          papers and records which are customarily contained in a mortgage loan file
          and
          which are required to document the Mortgage Loan or to service the Mortgage
          Loan.

         

        23.  The
          original Pledge Agreement, if applicable, entered into by the Mortgagor
          with
          respect to such Cooperative Loan;

         

        24.  UCC
          3
          assignment in blank (or equivalent instrument), if applicable, sufficient
          under
          the laws of the jurisdiction where the related Cooperative Apartment is
          located
          to reflect of record the sale and assignment of the Cooperative Loan to
          the
          Purchaser;

         

        25.  Original
          assignment of Pledge Agreement, if applicable, in blank showing a complete
          chain
          of assignment from the originator of the related Cooperative Loan to
          Seller;

         

        26.  Original
          Form UCC 1 and any continuation statements with evidence of filing thereon
          with
          respect to such Cooperative Loan;

         

        27.  Cooperative
          Shares with an original Stock Certificate, if applicable;

         

        28.  Original
          Proprietary Lease, if applicable;

         

        29.  Original
          Assignment of Proprietary Lease, if applicable, in blank, and all intervening
          assignments thereof; and

         

        30.  Original
          recognition agreement, if applicable, of the interests of the mortgagee
          with
          respect to the Cooperative Loan by the Cooperative, the stock of which
          was
          pledged by the related Mortgagor to the originator of such Cooperative
          Loan.

        

        

        
          
            
            

          

          
            
            

            
              

            

          

          
            
            

          

        

         

        EXHIBIT
          6

         

        CUSTODIAL
          ACCOUNT LETTER AGREEMENT

         

        ____________
          __, 200_

         

        To:________________________________

         

        (the
          “Depository”)

         

        As
          Seller
          under the Master Mortgage Loan Purchase and Servicing Agreement, dated
          as of ,
          we hereby authorize and request you to establish an account, as a Custodial
          Account, to be designated as “M&T Mortgage Corporation in trust for the
          Purchaser and various Mortgagors, Fixed and Adjustable Rate Mortgage Loans.” All
          deposits in the account shall be subject to withdrawal therefrom by order
          signed
          by the Seller. You may refuse any deposit which would result in violation
          of the
          requirement that the account be fully insured as described below. This
          letter is
          submitted to you in duplicate. Please execute and return one original to
          us.

         

        

        
          	 	 	 	 	 	 	 	
                  M&T
                    MORTGAGE CORPORATION

                  (Seller)

                
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
                  By:

                	 
	 	 	 	 	 	 	 	
                  Name:

                	 
	 	 	 	 	 	 	 	
                  Title:

                	 

        

         

        

        

        

        
          
            
            

          

          
            
            

            
              

            

          

          
            
            

          

        

         

        The
          undersigned, as Depository, hereby certifies that the above described account
          has been established under Account Number ___________ at the office of
          the
          Depository indicated above, and agrees to honor withdrawals on such account
          as
          provided above. The full amount deposited at any time in the account will
          be
          insured by the Federal Deposit Insurance Corporation through the Bank Insurance
          Fund (“BIF”) or the Savings Association Insurance Fund
          (“SAIF”).

         

        

        
          	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
                  Depository

                
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
                  By:

                	 
	 	 	 	 	 	 	 	
                  Name:

                	 
	 	 	 	 	 	 	 	
                  Title:

                	 

        

         

        

        

        

        
          
            
            

          

          
            
            

            
              

            

          

          
            
            

          

        

         

        EXHIBIT
          7

         

        ESCROW
          ACCOUNT LETTER AGREEMENT

         

        __________,
          200_

         

        To:
           _________________________

         

        (the
          “Depository”)

         

        As
          Seller
          under the Master Mortgage Loan Purchase and Servicing Agreement, dated
          as of ,
          we hereby authorize and request you to establish an account, as an Escrow
          Account, to be designated as “M&T Mortgage Corporation in trust for the
          Purchaser and various Mortgagors, Fixed and Adjustable Rate Mortgage Loans.” All
          deposits in the account shall be subject to withdrawal therefrom by order
          signed
          by the Seller. You may refuse any deposit which would result in violation
          of the
          requirement that the account be fully insured as described below. This
          letter is
          submitted to you in duplicate. Please execute and return one original to
          us.

         

        The
          undersigned, as Depository, hereby certifies that the above described account
          has been established under Account Number ___________ at the office of
          the
          Depository indicated above, and agrees to honor withdrawals on such account
          as
          provided above. The full amount deposited at any time in the account will
          be
          insured by the Federal Deposit Insurance Corporation through the Bank Insurance
          Fund (“BIF”) or the Savings Association Insurance Fund
          (“SAIF”).

         

        

        
          	 	 	 	 	 	 	 	
                  M&T
                    MORTGAGE CORPORATION

                  (Seller)

                
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
                  By:

                	 
	 	 	 	 	 	 	 	
                  Name:

                	 
	 	 	 	 	 	 	 	
                  Title:

                	 

        

         

        

        

        

        
          
            
            

          

          
            
            

            
              

            

          

          
            
            

          

        

         

        EXHIBIT
          8

         

        SERVICING
          ADDENDUM FOR SERVICING RETAINED MORTGAGE LOANS

         

        Subsection 11.01.
          Seller
          to Act as Servicer.

         

        The
          Seller, as independent contract servicer, shall service and administer
          the
          Servicing Retained Mortgage Loans in accordance with this Agreement and
          shall
          have full power and authority, acting alone, to do or cause to be done
          any and
          all things in connection with such servicing and administration which the
          Seller
          may deem necessary or desirable and consistent with the terms of this
          Agreement.

         

        Consistent
          with the terms of this Agreement, the Seller may waive, modify or vary
          any term
          of any Mortgage Loan or consent to the postponement of strict compliance
          with
          any such term or in any manner grant indulgence to any Mortgagor if in
          the
          Seller’s reasonable and prudent determination such waiver, modification,
          postponement or indulgence is not materially adverse to the Purchaser;
          provided,
          however, that the Seller shall not permit any modification with respect
          to any
          Mortgage Loan that would change the Mortgage Interest Rate, defer or forgive
          the
          payment thereof or of any principal or interest payments, reduce the outstanding
          principal amount (except for actual payments of principal), or extend the
          final
          maturity date on such Mortgage Loan. Without limiting the generality of
          the
          foregoing, the Seller shall continue, and is hereby authorized and empowered,
          to
          execute and deliver on behalf of itself, and the Purchaser, all instruments
          of
          satisfaction or cancellation, or of partial or full release, discharge
          and all
          other comparable instruments, with respect to the Mortgage Loans and with
          respect to the Mortgaged Property. If reasonably required by the Seller,
          the
          Purchaser shall furnish the Seller with any powers of attorney and other
          documents necessary or appropriate to enable the Seller to carry out its
          servicing and administrative duties under this Agreement.

         

        The
          Seller shall notify MERS of the ownership interest of Purchaser in each
          MOM Loan
          through the MORNET system or MIDANET system, as applicable, or any other
          comparable system acceptable to MERS. At any time during the term of this
          Agreement, Purchaser may direct Seller to cause any MOM Loan to be deactivated
          from the MERS System.

         

        In
          servicing and administering the Mortgage Loans, the Seller shall employ
          procedures (including collection procedures) and exercise the same care
          that it customarily employs and exercises in servicing and administering
          mortgage loans for its own account, giving due consideration to accepted
          mortgage servicing practices of prudent lending institutions , and the
          Purchaser’s reliance on the Seller.

         

        Subsection 11.02. Collection
          of Mortgage Loan Payments.

         

          Continuously
          from the date hereof until the principal and interest on all Servicing
          Retained
          Mortgage Loans are paid in full, the Seller shall proceed diligently to
          collect
          all payments due under each Servicing Retained Mortgage Loan when the same
          shall
          become due and payable and shall, to the extent such procedures shall be
          consistent with this Agreement and the terms and provisions of any related
          Primary Insurance Policy, follow such collection procedures as it follows
          with
          respect to mortgage loans comparable to the Mortgage Loans and held for
          its own
          account. Further, the Seller shall take special care in ascertaining and
          estimating annual ground rents, taxes, assessments, water rates, fire and
          hazard
          insurance premiums, mortgage insurance premiums, and all other charges
          that, as
          provided in the Mortgage, will become due and payable to the end that the
          installments payable by the Mortgagors will be sufficient to pay such charges
          as
          and when they become due and payable.

         

        Subsection 11.03. Realization
          Upon Defaulted Mortgage Loans.

         

        (a)  The
          Seller shall use its best efforts, consistent with the .procedures that
          the
          Seller would use in servicing mortgage loans for its own account, to foreclose
          upon or otherwise comparably convert the ownership of such Mortgaged Properties
          as come into and continue in default and as to which no satisfactory
          arrangements can be made for collection of delinquent payments pursuant
          to
          Section 11.01. The Seller shall use its best efforts to realize upon
          defaulted Mortgage Loans in such a manner as will maximize the receipt
          of
          principal and interest by the Purchaser, taking into account, among other
          things, the timing of foreclosure proceedings. The foregoing is subject
          to the
          provisions that, in any case in which Mortgaged Property shall have suffered
          damage, the Seller shall not be required to expend its own funds toward
          the
          restoration of such property unless it shall determine in its discretion
          (i) that such restoration will increase the proceeds of liquidation of the
          related Mortgage Loan to Purchaser after reimbursement to itself for such
          expenses, and (ii) that such expenses will be recoverable by the Seller
          through Insurance Proceeds or Liquidation Proceeds from the related Mortgaged
          Property, as contemplated in Section 11.05. In the event that any payment
          due under any Mortgage Loan is not paid when the same becomes due and payable,
          or in the event the Mortgagor fails to perform any other covenant or obligation
          under the Mortgage Loan and such failure continues beyond any applicable
          grace
          period, the Seller shall take such action as it shall deem to be in the
          best
          interest of the Purchaser. In the event that any payment due under any
          Servicing
          Retained Mortgage Loan remains delinquent for a period of 90 days or more,
          the
          Seller shall commence foreclosure proceedings. The Seller shall notify
          the
          Purchaser in writing of the commencement of foreclosure proceedings. In
          such
          connection, the Seller shall be responsible for advancing all costs and
          expenses
          incurred by it in any such proceedings; provided, however, that it shall
          be
          entitled to reimbursement in accordance with Section 11.05.

         

        (b)  Notwithstanding
          the foregoing provisions of this Section 11.03, with respect to any
          Mortgage Loan as to which the Seller has received actual notice of, or
          has
          actual knowledge of, the presence of any toxic or hazardous substance on
          the
          related Mortgaged Property the Seller shall not either (i) obtain title to
          such Mortgaged Property as a result of or in lieu of foreclosure or otherwise,
          or (ii) otherwise acquire possession of, or take any other action, with
          respect to, such Mortgaged Property if, as a result of any such action,
          the
          Purchaser would be considered to hold title to, to be a mortgagee in possession
          of, or to be an owner or operator of such Mortgaged Property within the
          meaning
          of the Comprehensive Environmental Response, Compensation and Liability
          Act of
          1980, as amended from time to time, or any comparable law, unless the Seller
          has
          also previously determined, based on its reasonable judgment and a prudent
          report prepared by a Person who regularly conducts environmental audits
          using
          customary industry standards, that:

         

        1. such
          Mortgaged Property is in compliance with applicable environmental laws
          or, if
          not, that it would be in the best economic interest of the Purchaser to
          take
          such actions as are necessary to bring the Mortgaged Property into compliance
          therewith; and

         

        2. there
          are
          no circumstances present at such Mortgaged Property relating to the use,
          management or disposal of any hazardous substances, hazardous materials,
          hazardous wastes, or petroleum based materials for which investigation,
          testing,
          monitoring, containment, clean up or remediation could be required under
          any
          federal, state or local law or regulation, or that if any such materials
          are
          present for which such action could be required, that it would be in the
          best
          economic interest of the Purchaser to take such actions with respect to
          the
          affected Mortgaged Property.

         

        The
          cost
          of the environmental audit report contemplated by this Section 11.03 shall
          be advanced by the Seller, subject to the Seller’s right to be reimbursed
          therefor from the Custodial Account as provided in
          Section 11.05(vii).

         

        Upon
          completion of the environmental audit report, the Seller shall promptly
          provided
          the Purchaser with a copy thereof. Thereafter, the Seller and Purchaser
          shall
          consult to determine how to proceed with respect to the Mortgaged
          Property.

         

        (c)  Proceeds
          received in connection with any Final Recovery .Determination, as well
          as any
          recovery resulting from a partial collection of Insurance Proceeds or
          Liquidation Proceeds in respect of any Mortgage Loan, will be applied as
          follows: to reimburse the Seller for any related unreimbursed Servicing
          Advances
          pursuant to Section 11.05(iii); to pay accrued and unpaid interest on the
          Mortgage Loan, to the date of the Final Recovery Determination, or if not
          in
          connection with a Final Recovery Determination, to the Due Date prior to
          the
          Distribution Date on which such amounts are to be distributed; as a recovery
          of
          delinquent principal of the Mortgage Loan, and collection of Service Fees
          on
          delinquent interest. If the amount of the recovery so allocated to interest
          is
          less than the full amount of accrued and unpaid interest due on such Mortgage
          Loan, the amount of such recovery will be allocated by the Seller as follows;
          first, to unpaid Servicing Fees; and second, to the balance of interest
          then due
          and owing.

         

        Subsection 11.04. Establishment
          of Custodial Accounts; Deposits in Custodial Accounts.

         

        The
          Seller shall segregate and hold all funds collected and received pursuant
          to
          each Mortgage Loan separate and apart from any of its own funds and general
          assets and shall establish and maintain one or more Custodial Accounts,
          in the
          form of time deposit or demand accounts. The Custodial Account shall be
          established with a Qualified Depository as a Special Deposit Account. The
          Seller
          and the Purchaser intend that the Custodial Account be a special deposit
          account. Any funds deposited in the Custodial Account shall at all times
          be
          fully insured to the full extent permitted under applicable law. The creation
          of
          any Custodial Account shall be evidenced by a Custodial Account Letter
          Agreement
          in the form of Exhibit 6.

         

        The
          Seller shall deposit in the Custodial Account on a daily basis, and retain
          therein the following payments and collections received by it subsequent
          to the
          Cut-Off Date, or received by it prior to the Cut-Off Date but allocable
          to a
          period subsequent thereto, other than in respect of principal and interest
          on
          the Servicing Retained Mortgage Loans due on or before the Cut-Off
          Date:

         

        	(i)  	
                all
                  payments on account of principal on the Mortgage
                  Loans;

              

         

        	(ii)  	
                all
                  payments on account of interest on the Mortgage
                  Loans;

              

         

        	(iii)  	
                all
                  Liquidation Proceeds;

              

         

        	(iv)  	
                all
                  Insurance Proceeds including amounts required to be deposited pursuant
                  to
                  Sections 11.10 and 11.11, other than proceeds to be held in the
                  Escrow Account and applied to the restoration or repair of the
                  Mortgaged
                  Property or released to the Mortgagor in accordance with the loan
                  documents or applicable law;

              

         

        	(v)  	
                all
                  Condemnation Proceeds affecting any Mortgaged Property which are
                  not
                  released to the Mortgagor in accordance with the Seller’s normal servicing
                  procedures, the loan documents or applicable
                  law;

              

         

        	(vi)  	
                all
                  Monthly Advances;

              

         

        	(vii)  	
                all
                  proceeds of any Servicing Retained Mortgage Loan repurchased in
                  accordance
                  with Section 7.03 and all amounts required to be deposited by the
                  Seller in connection with shortfalls in principal amount of Qualified
                  Substitute Mortgage Loans pursuant to
                  Section 7.03;

              

         

        	(viii)  	
                any
                  amounts required to be deposited by the Seller pursuant to
                  Section 11.11 in connection with the deductible clause in any blanket
                  hazard insurance policy. Such deposit shall be made from the Seller’s own
                  funds, without reimbursement therefor;

              

         

        	(ix)  	
                any
                  amounts required to be deposited by the Seller in connection with
                  any REO
                  Property pursuant to Section 11.13;

              

         

        	(x)  	
                any
                  amounts required to be deposited in the Custodial Account pursuant
                  to
                  Sections 11.20 or 11.21;

              

         

        	(xi)  	
                with
                  respect to each Principal Prepayment in full or in part, an amount
                  (to be
                  paid by the Seller out of its own funds without reimbursement
                  therefor) which, when added to all amounts allocable to interest
                  received in connection with such Principal Prepayment, equals one
                  month’s
                  interest on the amount of principal so prepaid at the Mortgage
                  Interest
                  Rate; provided, however, that in no event shall the aggregate of
                  deposits
                  made by the Seller pursuant to this clause (xi) exceed the aggregate
                  amount of the Seller’s servicing compensation in the calendar month in
                  which such deposits are required; and

              

         

        	(xii)  	
                any
                  prepayment penalties received with respect to any Mortgage
                  Loan.

              

         

        The
          foregoing requirements for deposit in the Custodial Account shall be exclusive,
          it being understood and agreed that, without limiting the generality of
          the
          foregoing, payments in the nature of late payment charges and assumption
          fees,
          to the extent permitted by Section 11.01, need not be deposited by the
          Seller in the Custodial Account. Such Custodial Account shall be an Eligible
          Account. Any interest or earnings on funds deposited in the Custodial Account
          by
          the depository institution shall accrue to the benefit of the Seller and
          the
          Seller shall be entitled to retain and withdraw such interest from the
          Custodial
          Account pursuant to Section 11.05(iii). The Seller shall give notice to the
          Purchaser of the location of the Custodial Account when established and
          prior to
          any change thereof.

         

          Mortgage
          Loans having Due Dates other than the first day of a month shall be accounted
          for as described in this Section 11.04. Any payment due on a day other than
          the first day of each month shall be considered due on the first day of
          the
          month following the month in which that payment is due as if such payment
          were
          due on the first day of said month. For example, a payment due on August
          15
          shall be considered to be due on September 1.

         

        Subsection 11.05. Permitted
          Withdrawals From the Custodial Account.

         

          The
          Seller may, from time to time, withdraw from the Custodial Account for
          the
          following purposes:

         

        	(i)  	
                to
                  make distributions to the Purchaser in the amounts and in the manner
                  provided for in Section 11.14;

              

         

        	(ii)  	
                to
                  reimburse itself for Monthly Advances, the Seller’s right to reimburse
                  itself pursuant to this subclause (ii) being limited to amounts
                  received on the related Mortgage Loan which represent late collections
                  (net of the related Servicing Fees) respecting which any such advance
                  was made it being understood that, in the case of such reimbursement,
                  the
                  Seller’s right thereto shall be prior to the rights of Purchaser, except
                  that, where the Seller is required to repurchase a Servicing Retained
                  Mortgage Loan pursuant to Section 7.03, the Seller’s right to such
                  reimbursement shall be subsequent to the payment to the Purchaser
                  of the
                  Repurchase Price pursuant to Section 7.03, and all other amounts
                  required to be paid to the Purchaser with respect to such Servicing
                  Retained Mortgage Loans;

              

         

        	(iii)  	
                to
                  reimburse itself for unreimbursed Servicing Advances, the Seller’s right
                  to reimburse itself pursuant to this subclause (iii) with respect to
                  any Mortgage Loan being limited to related Liquidation Proceeds,
                  Condemnation Proceeds, Insurance Proceeds and such other amounts
                  as may be
                  collected by the Seller from the Mortgagor or otherwise relating
                  to the
                  Mortgage Loan, it being understood that, in the case of such
                  reimbursement, the Seller’s right thereto shall be prior to the rights of
                  the Purchaser, except that, where the Seller is required to repurchase
                  a
                  Servicing Retained Mortgage Loan pursuant to Section 7.03, the
                  Seller’s right to such reimbursement shall be subsequent to the payment
                  to
                  the Purchaser of the Repurchase Price pursuant to Section 7.03 and
                  all other amounts required to be paid to the Purchaser with respect
                  to
                  such Servicing Retained Mortgage Loans;

              

         

        	(iv)  	
                to
                  pay to itself pursuant to Section 11.22 as servicing compensation
                  (a) any interest earned on funds in the Custodial Account (all such
                  interest to be withdrawn monthly not later than each Distribution
                  Date),
                  and (b) the Servicing Fee from that portion of any payment or
                  recovery as to interest on a particular Mortgage
                  Loan;

              

         

        	(v)  	
                to
                  pay to itself with respect to each Servicing Retained Mortgage
                  Loan that
                  has been repurchased pursuant to Section 7.03 all amounts received
                  thereon and not distributed as of the date on which the related
                  Repurchase
                  Price is determined;

              

         

        	(vi)  	
                to
                  reimburse itself for any Monthly Advance previously made which
                  the Seller
                  has determined to be a Nonrecoverable Monthly
                  Advance;

              

         

        	(vii)  	
                to
                  pay, or to reimburse itself for advances in respect of, expenses
                  incurred
                  in connection with any Mortgage Loan pursuant to
                  Section 11.03(c).

              

         

        	(viii)  	
                to
                  reimburse itself for nonrecoverable Servicing Advances made pursuant
                  to
                  this Agreement;

              

         

        	(ix)  	
                to
                  clear and terminate the Custodial Account on the termination of
                  this
                  Agreement; and

              

         

        	(x)  	
                to
                  reimburse Seller for funds placed in the Custodial Account in
                  error.

              

         

        The
          Seller shall keep and maintain separate accounting, on a Mortgage Loan
          by
          Mortgage Loan basis, for the purpose of justifying any withdrawal from
          the
          Custodial Account pursuant to such subclauses (ii)  (viii) above. The
          Seller shall provide written notification in the form of an Officers’
Certificate to the Purchaser, on or prior to the next succeeding Distribution
          Date, upon making any withdrawals from the Custodial Account pursuant to
          subclause (vi) above.

         

        Subsection 11.06. Establishment
          of Escrow Accounts; Deposits in Escrow Accounts.

         

        The
          Seller shall segregate and hold all funds collected and received pursuant
          to
          each Mortgage Loan which constitute Escrow Payments separate and apart
          from any
          of its own funds and general assets and shall establish and maintain one
          or more
          Escrow Accounts, in the form of time deposit or demand accounts. The Escrow
          Account shall be established with a Qualified Depository as a Special Deposit
          Account, in a manner which shall provide maximum available insurance thereunder.
          The creation of any Escrow Account shall be evidenced by Escrow Account
          Letter
          Agreement in the form of Exhibit 7.

         

        The
          Seller shall deposit in the Escrow Account or Accounts on a daily basis,
          and
          retain therein, (i) all Escrow Payments collected on account of the
          Mortgage Loans, for the purpose of effecting timely payment of any such
          items as
          required under the terms of this Agreement, and (ii) all Insurance Proceeds
          which are to be applied to the restoration or repair of any Mortgaged Property.
          The Seller shall make withdrawals therefrom only to effect such payments
          as are
          required under this Agreement, and for such other purposes as shall be
          as set
          forth or in accordance with Section 11.07. The Seller shall be entitled to
          retain any interest paid on funds deposited in the Escrow Account by the
          depository institution other than interest on escrowed funds required by
          law to
          be paid to the Mortgagor and, to the extent required by law, the Seller
          shall
          pay interest on escrowed funds to the Mortgagor notwithstanding that the
          Escrow
          Account is non interest bearing or that interest paid thereon is insufficient
          for such purposes.

         

        Subsection 11.07. Permitted
          Withdrawals From Escrow Account.

         

        Withdrawals
          from the Escrow Account may be made by the Seller (i) to effect timely
          payments of ground rents, taxes, assessments, water rates, hazard insurance
          premiums, Primary Insurance Policy premiums, if applicable, and comparable
          items, (ii) to reimburse the Seller for any Servicing Advance made by the
          Seller with respect to a related Mortgage Loan but only from amounts received
          on
          the related Mortgage Loan which represent late payments or collections
          of Escrow
          Payments thereunder, (iii) to refund to the Mortgagor any funds as may be
          determined to be overages, (iv) for transfer to the Custodial Account in
          accordance with the terms of this Agreement, (v) for application to
          restoration or repair of the Mortgaged Property, (vi) to pay to the Seller,
          or to the Mortgagor to the extent required by law, any interest paid on
          the
          funds deposited in the Escrow Account, (vii) to clear and terminate the
          Escrow Account on the termination of this Agreement, or (viii) to reimburse
          Seller for funds placed in the Escrow Account in error.

         

        Subsection 11.08. Payment
          of Taxes, Insurance and Other Charges; Maintenance of Primary Insurance
          Policies; Collections Thereunder.

         

        With
          respect to each Mortgage Loan, the Seller shall maintain accurate records
          reflecting the status of ground rents, taxes, assessments, water rates
          and other
          charges which are or may become a lien upon the Mortgaged Property and
          the
          status of Primary Insurance Policy premiums and fire and hazard insurance
          coverage and shall obtain, from time to time, all bills for the payment
          of such
          charges, including insurance renewal premiums and shall effect payment
          thereof
          prior to the applicable penalty or termination date and at a time appropriate
          for securing maximum discounts allowable, employing for such purpose deposits
          of
          the Mortgagor in the Escrow Account which shall have been estimated and
          accumulated by the Seller in amounts sufficient for such purposes, as allowed
          under the terms of the Mortgage and applicable law. To the extent that
          the
          Mortgage does not provide for Escrow Payments, the Seller shall determine
          that
          any such payments are made by the Mortgagor. The Seller assumes full
          responsibility for the timely payment of all such bills and shall effect
          timely
          payments of all such bills irrespective of the Mortgagor’s faithful performance
          in the payment of same or the making of the Escrow Payments and shall make
          advances from its own funds to effect such payments.

         

        The
          Seller shall maintain in full force and effect, a Primary Insurance Policy,
          issued by a Qualified Insurer, with respect to each Mortgage Loan for which
          such
          coverage is required. Such coverage shall be maintained until the Loan-to-Value
          Ratio of the related Mortgage Loan is reduced to that amount for which
          Fannie
          Mae no longer requires such insurance to be maintained. The Seller will
          not
          cancel or refuse to renew any Primary Insurance Policy in effect on the
          Closing
          Date that is required to be kept in force under this Agreement unless a
          replacement Primary Insurance Policy for such cancelled or non renewed
          policy is
          obtained from and maintained with a Qualified Insurer. The Seller shall
          not take
          any action which would result in non coverage under any applicable Primary
          Insurance Policy of any loss which, but for the actions of the Seller,
          would
          have been covered thereunder. In connection with any assumption or substitution
          agreement entered into or to be entered into pursuant to Section 11.19, the
          Seller shall promptly notify the insurer under the related Primary Insurance
          Policy, if any, of such assumption or substitution of liability in accordance
          with the terms of such policy and shall take all actions which may be required
          by such insurer as a condition to the continuation of coverage under the
          Primary
          Insurance Policy. If such Primary Insurance Policy is terminated as a result
          of
          such assumption or substitution of liability, the Seller shall obtain a
          replacement Primary Insurance Policy as provided above.

         

        In
          connection with its activities as servicer, the Seller agrees to prepare
          and
          present, on behalf of itself, and the Purchaser, claims to the insurer
          under any
          Primary Insurance Policy in a timely fashion in accordance with the terms
          of
          such policies and, in this regard, to take such action as shall be necessary
          to
          permit recovery under any Primary Insurance Policy respecting a defaulted
          Mortgage Loan. Pursuant to Section 11.04, any amounts collected by the
          Seller under any Primary Insurance Policy shall be deposited in the Custodial
          Account, subject to withdrawal pursuant to Section 11.05.

         

        Subsection 11.09. Transfer
          of Accounts.

         

        The
          Seller may transfer the Custodial Account or the Escrow Account to a different
          depository institution from time to time. Such transfer shall be made only
          upon
          obtaining the consent of the Purchaser, which consent shall not be unreasonably
          withheld. In any case, the Custodial Account and Escrow Account shall be
          Eligible Accounts.

         

        Subsection 11.10. Maintenance
          of Hazard Insurance.

         

        In
          connection with its activities as servicer, the Seller agrees to prepare
          and
          present, on behalf of itself and the Purchaser, claims to the insurer under
          any
          hazard insurance policy in a timely fashion in accordance with the terms
          of such
          policies and, in this regard, to take such action as shall be necessary
          to
          permit recovery under any hazard insurance policy. The Seller shall cause
          to be
          maintained for each Mortgage Loan fire and hazard insurance with extended
          coverage as is customary in the area where the Mortgaged Property is located
          in
          an amount which is at least equal to the lesser of (i) the amount necessary
          to fully compensate for any damage or loss to the improvements which are
          a part
          of such property on a replacement cost basis or (ii) the outstanding
          principal balance of the Mortgage Loan, in each case in an amount not less
          than
          such amount as is necessary to prevent the Mortgagor and/or the Mortgagee
          from
          becoming a co insurer. If the Mortgaged Property is in an area identified
          on a
          Flood Hazard Boundary Map or Flood Insurance Rate Map issued by the Flood
          Emergency Management Agency as having special flood hazards and such flood
          insurance has been made available through NFIP, the Seller will cause to
          be
          maintained a flood insurance policy meeting the requirements of the current
          guidelines of the Federal Insurance Administration with a generally acceptable
          insurance carrier, in an amount representing coverage not less than the
          lesser
          of (i) the outstanding principal balance of the Mortgage Loan or
          (ii) the maximum amount of insurance which is available under the National
          Flood Insurance Act of 1968 or the Flood Disaster Protection Act of 1973,
          as
          amended. The Seller also shall maintain on any REO Property, fire and hazard
          insurance with extended coverage in an amount which is at least equal to
          the
          lesser of (i) the maximum insurable value of the improvements which are a
          part of such property and (ii) the outstanding principal balance of the
          related Mortgage Loan at the time it became an REO Property plus accrued
          interest at the Mortgage Interest Rate and related Servicing Advances,
          liability
          insurance and, to the extent required and available under the National
          Flood
          Insurance Act of 1968 or the Flood Disaster Protection Act of 1973, as
          amended,
          flood insurance in an amount as provided above. Pursuant to Section 11.04,
          any amounts collected by the Seller under any such policies other than
          amounts
          to be deposited in the Escrow Account and applied to the restoration or
          repair
          of the Mortgaged Property or REO Property, or released to the Mortgagor
          in
          accordance with the Seller’s normal servicing procedures, shall be deposited in
          the Custodial Account, subject to withdrawal pursuant to Section 11.05. Any
          cost incurred by the Seller in maintaining any such insurance shall not,
          for the
          purpose of calculating distributions to the Purchaser, be added to the
          unpaid
          principal balance of the related Mortgage Loan, notwithstanding that the
          terms
          of such Mortgage Loan so permit. It is understood and agreed that no earthquake
          or other additional insurance need be required by the Seller or the Mortgagor
          or
          maintained on property acquired in respect of the Mortgage Loan, other
          than
          pursuant to such applicable laws and regulations as shall at any time be
          in
          force and as shall require such additional insurance. All such policies
          shall be
          endorsed with standard mortgagee clauses with loss payable to the Seller,
          or
          upon request to the Purchaser, and shall provide for at least thirty days
          prior
          written notice of any cancellation, reduction in the amount of, or material
          change in, coverage to the Seller. The Seller shall not interfere with
          the
          Mortgagor’s freedom of choice in selecting either his insurance carrier or
          agent, provided, however, that the Seller shall not accept any such insurance
          policies from insurance companies unless such companies currently reflect
          a
          General Policy Rating of B+ or a financial performance Index of VI or better
          in
          Best’s Key Rating Guide and are licensed to do business in the state wherein
          the
          property subject to the policy is located.

         

        Subsection 11.11. Maintenance
          of Mortgage Impairment Insurance Policy.

         

        In
          the
          event that the Seller shall obtain and maintain a mortgage impairment or
          blanket
          policy issued by an issuer that has a Best rating of A:VI insuring against
          hazard losses on all Mortgaged Properties securing the Mortgage Loans,
          then, to
          the extent such policy provides coverage in an amount equal to the amount
          required pursuant to Section 11.10 and otherwise complies with all other
          requirements of Section 11.10, the Seller shall conclusively be deemed to
          have satisfied its obligations as set forth in Section 11.10, it being
          understood and agreed that such policy may contain a deductible clause,
          in which
          case the Seller shall, in the event that there shall not have been maintained
          on
          the related Mortgaged Property or REO Property a policy complying with
          Section 11.10, and there shall have been one or more losses which would
          have been covered by such policy, deposit in the Custodial Account the
          amount
          not otherwise payable under the blanket policy because of such deductible
          clause. In connection with its activities as servicer of the Mortgage Loans,
          the
          Seller agrees to prepare and present, on behalf of the Purchaser, claims
          under
          any such blanket policy in a timely fashion in accordance with the terms
          of such
          policy. Upon request of the Purchaser, the Seller shall cause to be delivered
          to
          the Purchaser a declaration statement verifying insurance coverage and
          deductible amounts from the insurer.

         

        Subsection 11.12 Fidelity
          Bond, Errors and Omissions Insurance.

         

        The
          Seller shall maintain, at its own expense, a blanket fidelity bond and
          an errors
          and omissions insurance policy, with broad coverage with responsible companies
          that would meet the requirements of Fannie Mae and Freddie Mac on all officers,
          employees or other persons acting in any capacity with regard to the Mortgage
          Loans to handle funds, money, documents and papers relating to the Mortgage
          Loans. The fidelity bond and errors and omissions insurance shall be in
          the form
          of the Mortgage Banker’s Blanket Bond and shall protect and insure the Seller
          against losses, including forgery, theft, embezzlement, fraud, errors and
          omissions and negligent acts of such persons. Such fidelity bond shall
          also
          protect and insure the Seller against losses in connection with the failure
          to
          maintain any insurance policies required pursuant to this Agreement and
          the
          release or satisfaction of a Mortgage Loan without having obtained payment
          in
          full of the indebtedness secured thereby. No provision of this
          Section 11.12 requiring the fidelity bond and errors and omissions
          insurance shall diminish or relieve the Seller from its duties and obligations
          as set forth in this Agreement. The minimum coverage under any such bond
          and
          insurance policy shall be at least equal to the corresponding amounts required
          by Fannie Mae in the Fannie Mae Servicing Guide or by Freddie Mac in the
          Freddie
          Mac Sellers’ and Servicers’ Guide. Upon request of the Purchaser, the Seller
          shall cause to be delivered to the Purchaser a declaration statement verifying
          insurance coverage and deductible amounts from the surety and the
          insurer.

         

        Subsection 11.13
           Title,
          Management and Disposition of REO Property.

         

        In
          the
          event that title to the Mortgaged Property is acquired in foreclosure or
          by deed
          in lieu of foreclosure, the deed or certificate of sale shall be taken
          in the
          name of the person designated by the Purchaser, or in the event such person
          is
          not authorized or permitted to hold title to real property in the state
          where
          the REO Property is located, or would be adversely affected under the “doing
          business” or tax laws of such state by so holding title, the deed or certificate
          of sale shall be taken in the name of such Person or Persons as shall be
          consistent with an opinion of counsel obtained by the Seller from an attorney
          duly licensed to practice law in the state where the REO Property is located.
          Any Person or Persons holding such title other than the Purchaser shall
          acknowledge in writing that such title is being held as nominee for the
          benefit
          of the Purchaser.

         

        The
          Seller shall either itself or through an agent selected by the Seller,
          manage,
          conserve, protect and operate each REO Property (and may temporarily rent
          the
          same) in the same manner that it manages, conserves, protects and operates
          other foreclosed property for its own account, and in the same manner that
          similar property in the same locality as the REO Property is managed. If
          a REMIC
          election is or is to be made with respect to the arrangement under which
          the
          Mortgage Loans and any REO Property are held, the Seller shall manage,
          conserve,
          protect and operate each REO Property in a manner which does not cause
          such REO
          Property to fail to qualify as “foreclosure property” within the meaning of
          Section 860G(a)(8) of the Code or result in the receipt by such REMIC
          of any “income from non permitted assets” within the meaning of
          Section 860F(a)(2)(b) of the Code or any “net income from foreclosure
          property” within the meaning of Section 860G(c)(2) of the Code. The
          Seller shall cause each REO Property to be inspected promptly upon the
          acquisition of title thereto and shall cause each REO Property to be inspected
          at least annually thereafter. The Seller shall make or cause to be made
          a
          written report of each such inspection. Such reports shall be retained
          in the
          Servicing File and copies thereof shall be forwarded by the Seller to the
          Purchaser upon request. The Seller shall use its best efforts to dispose
          of the
          REO Property as soon as possible and shall sell such REO Property in any
          event
          within one year after title has been taken to such REO Property, unless
          the
          Seller determines, and gives appropriate notice to the Purchaser, that
          a longer
          period is necessary for the orderly liquidation of such REO Property. If
          a
          period longer than one year is necessary to sell any REO property, (i) the
          Seller shall report monthly to the Purchaser as to the progress being made
          in
          selling such REO Property and (ii) if, with the written consent of the
          Purchaser, a purchase money mortgage is taken in connection with such sale,
          such
          purchase money mortgage shall name the Seller as mortgagee, and a separate
          servicing agreement between the Seller and the Purchaser shall be entered
          into
          with respect to such purchase money mortgage. Notwithstanding the foregoing,
          if
          a REMIC election is made with respect to the arrangement under which the
          Mortgage Loans and the REO Property are held, such REO Property shall be
          disposed of within three years or such other period as may be permitted
          under
          Section 860G(a)(8) of the Code.

         

        With
          respect to each REO Property, the Seller shall segregate and hold all funds
          collected and received in connection with the operation of the REO Property
          separate and apart from its own funds or general assets in a Custodial
          Account.

         

        The
          Seller shall deposit or cause to be deposited, on a daily basis in the
          related
          Custodial Account all revenues received with respect to the related REO
          Property
          and shall withdraw therefrom funds necessary for the proper operation,
          management and maintenance of the REO Property, including the cost of
          maintaining any hazard insurance pursuant to Section 11.10 hereof and the
          fees of any managing agent acting on behalf of the Seller.

         

        The
          Seller shall furnish to the Purchaser on each Distribution Date, an operating
          statement for each actively rented REO Property covering the operation
          of each
          REO Property for the previous month. Such operating statement shall be
          accompanied by such other information as the Purchaser shall reasonably
          request.

         

        Each
          REO
          Disposition shall be carried out by the Seller at such price and upon such
          terms
          and conditions as the Seller deems to be in the best interest of the Purchaser.
          If as of the date title to any REO Property was acquired by the Seller
          there
          were outstanding unreimbursed Servicing Advances with respect to the REO
          Property, the Seller, upon an REO Disposition of such REO Property, shall
          be
          entitled to reimbursement for any related unreimbursed Servicing Advances
          from
          proceeds received in connection with such REO Disposition. The proceeds
          from the
          REO Disposition, net of any payment to the Seller as provided above, shall
          be
          deposited in the Custodial Account.

         

        Subsection 11.14. Distributions.

         

        On
          each
          Distribution Date, the Seller shall distribute to the Purchaser all amounts
          credited to the Custodial Account as of the close of business on the preceding
          Determination Date, net of charges against or withdrawals from the Custodial
          Account pursuant to Section 11.05; plus (ii) all Monthly Advances, if
          any, which the Seller is obligated to distribute pursuant to Section 11.21,
          minus (iii) any amounts attributable to Principal Prepayments received
          after the last day of the calendar month immediately preceding the related
          Distribution Date and (iv) any amounts attributable to Monthly Payments
          collected but due on a Due Date or Dates subsequent to the preceding
          Determination Date.

         

        All
          distributions made to the Purchaser on each Distribution Date will be made
          to
          the Purchaser of record on the preceding Record Date, and shall be based
          on the
          Mortgage Loans owned and held by the Purchaser, and shall be made by wire
          transfer of immediately available funds to the account of the Purchaser
          at a
          bank or other entity having appropriate facilities therefor, if the Purchaser
          shall have so notified the Seller or by check mailed to the address of
          the
          Purchaser.

         

        With
          respect to any remittance received by the Purchaser on or after the second
          Business Day following the Business Day on which such payment was due,
          the
          Seller shall pay to the Purchaser interest on any such late payment at
          an annual
          rate equal to the rate of interest as is publicly announced from time to
          time at
          its principal office by JPMorgan Chase Bank, New York, New York, as its
          prime
          lending rate, adjusted as of the date of each change, plus three percentage
          points, but in no event greater than the maximum amount permitted by applicable
          law. Such interest shall be paid by the Seller to the Purchaser on the
          date such
          late payment is made and shall cover the period commencing with the day
          following such second Business Day and ending with the Business Day on
          which
          such payment is made, both inclusive. Such interest shall be remitted along
          with
          such late payment. The payment by the Seller of any such interest shall
          not be
          deemed an extension of time for payment or a waiver of any Event of Default
          by
          the Seller.

         

        Subsection 11.15. Remittance
          Reports.

         

        On
          or
          before the 10th day (or if such 10th day is not a Business Day, the immediately
          preceding Business Day) of any month, the Seller shall provide to the
          Purchaser (or its designee) a computer tape or electronically transmitted
          data file in Excel format (or such other mutually agreeable format) setting
          forth the information contained in Exhibit 15 hereto (the “Monthly
          Remittance Advice”).

         

        On
          the
          10th day (or if such 10th day is not a Business Day, the immediately preceding
          Business Day) of each month (the “Data
          File Delivery Date”) commencing
          in the month after the Closing Date, the Seller shall deliver to the Purchaser
          a
          data file in “.csv” format incorporating the fields set forth in the data file
          layout in substantial compliance with the form set forth on Exhibit 16
          hereto
          (the “Data
          File”).

         

        Subsection 11.16. Statements
          to the Purchaser.

         

        Upon
          request, the Seller shall forward to the Purchaser or its designee a copy
          of
          Seller’s custodial reconciliation reports.

         

        Subsection 11.17. Real
          Estate Owned Reports.

         

        Together
          with the statement furnished pursuant to Section 11.13, with respect to any
          REO Property, the Seller shall furnish to the Purchaser a statement covering
          the
          Seller’s efforts in connection with the sale of such REO Property and any rental
          of such REO Property incidental to the sale thereof for the previous month,
          together with the operating statement. Such statement shall be accompanied
          by
          such other information as the Purchaser shall reasonably request.

         

        Subsection 11.18. Liquidation
          Reports.

         

        Upon
          the
          foreclosure sale of any Mortgaged Property or the acquisition thereof by
          the
          Purchaser pursuant to a deed in lieu of foreclosure, the Seller shall submit
          to
          the Purchaser a liquidation report with respect to such Mortgaged
          Property

         

        Subsection 11.19. Assumption
          Agreements.

         

        The
          Seller shall, to the extent it has knowledge of any conveyance or prospective
          conveyance by any Mortgagor of the Mortgaged Property (whether by absolute
          conveyance or by contract of sale, and whether or not the Mortgagor remains
          or
          is to remain liable under the Mortgage Note and/or the Mortgage), exercise
          its
          rights to accelerate the maturity of such Mortgage Loan under any “due on sale”
clause applicable thereto; provided, however, that the Seller shall not
          exercise
          any such rights if prohibited by law from doing so or if the exercise of
          such
          rights would impair or threaten to impair any recovery under the related
          Primary
          Insurance Policy, if any. If the Seller reasonably believes it is unable
          under
          applicable law to enforce such “due on sale” clause, the Seller shall enter into
          an assumption agreement with the person to whom the Mortgaged Property
          has been
          conveyed or is proposed to be conveyed, pursuant to which such person becomes
          liable under the Mortgage Note and, to the extent permitted by applicable
          state
          law, the Mortgagor remains liable thereon. Where an assumption is not allowed
          pursuant to this Section 11.19, the Seller, with the prior written consent
          of the insurer under the Primary Insurance Policy, if any, is authorized
          to
          enter into a substitution of liability agreement with the person to whom
          the
          Mortgaged Property has been conveyed or is proposed to be conveyed pursuant
          to
          which the original Mortgagor is released from liability and such Person
          is
          substituted as Mortgagor and becomes liable under the related Mortgage
          Note. Any
          such substitution of liability agreement shall be in lieu of an assumption
          agreement.

         

        In
          connection with any such assumption or substitution of liability, the Seller
          shall follow the underwriting practices and procedures of prudent mortgage
          lenders in the state in which the related Mortgaged Property is located.
          With
          respect to an assumption or substitution of liability, Mortgage Interest
          Rate,
          the amount of the Monthly Payment, and the final maturity date of such
          Mortgage
          Note may not be changed. The Seller shall notify the Purchaser that any
          such
          substitution of liability or assumption agreement has been completed by
          forwarding to the Purchaser the original of any such substitution of liability
          or assumption agreement, which document shall be added to the related Mortgage
          File and shall, for all purposes, be considered a part of such Mortgage
          File to
          the same extent as all other documents and instruments constituting a part
          thereof.

         

        Notwithstanding
          the foregoing paragraphs of this Section or any other provision of this
          Agreement, the Seller shall not be deemed to be in default, breach or any
          other
          violation of its obligations hereunder by reason of any assumption of a
          Mortgage
          Loan by operation of law or any assumption which the Seller may be restricted
          by
          law from preventing, for any reason whatsoever. For purposes of this
          Section 11.19, the term “assumption” is deemed to also include a sale of
          the Mortgaged Property subject to the Mortgage that is not accompanied
          by an
          assumption or substitution of liability agreement.

         

        Subsection 11.20. Satisfaction
          of Mortgages and Release of Mortgage Files.

         

        Upon
          the
          payment in full of any Mortgage Loan, the Seller shall request execution
          of any
          document necessary to satisfy the Mortgage Loan and delivery to it of the
          portion of the Mortgage File held by the Purchaser or the Purchaser’s designee.
          Upon request, the Purchaser, shall promptly release the related mortgage
          documents to the Seller and the Seller shall prepare and process any
          satisfaction or release. No expense incurred in connection with any instrument
          of satisfaction or deed of reconveyance shall be chargeable to the Custodial
          Account or the Purchaser.

         

        In
          the
          event the Seller satisfies or releases a Mortgage without having obtained
          payment in full of the indebtedness secured by the Mortgage or should it
          otherwise prejudice any right the Purchaser may have under the mortgage
          instruments, the Seller, upon written demand, shall remit to the Purchaser
          the
          then outstanding principal balance of the related Mortgage Loan by deposit
          thereof in the Custodial Account. The Seller shall maintain the fidelity
          bond
          insuring the Seller against any loss it may sustain with respect to any
          Mortgage
          Loan not satisfied in accordance with the procedures set forth
          herein.

         

        From
          time
          to time and as appropriate for the servicing or foreclosure of the Mortgage
          Loan, including for this purpose collection under any Primary Insurance
          Policy,
          the Purchaser shall, upon request of the Seller and delivery to the Purchaser
          of
          a servicing receipt signed by a Servicing Officer, release the requested
          portion
          of the Mortgage File held by the Purchaser to the Seller. Such servicing
          receipt
          shall obligate the Seller to return the related Mortgage documents to the
          Purchaser when the need therefor by the Seller no longer exists, unless
          the
          Mortgage Loan has been liquidated and the Liquidation Proceeds relating
          to the
          Mortgage Loan have been deposited in the Custodial Account or the Mortgage
          File
          or such document has been delivered to an attorney, or to a public trustee
          or
          other public official as required by law, for purposes of initiating or
          pursuing
          legal action or other proceedings for the foreclosure of the Mortgaged
          Property
          either judicially or non judicially, and the Seller has delivered to the
          Purchaser a certificate of a Servicing Officer certifying as to the name
          and
          address of the Person to which such Mortgage File or such document was
          delivered
          and the purpose or purposes of such delivery. Upon receipt of a certificate
          of a
          Servicing Officer stating that such Mortgage Loan was liquidated, the servicing
          receipt shall be released by the Purchaser to the Seller.

         

        Subsection 11.21. Monthly
          Advances by the Seller.

         

        (1) Not
          later
          than the close of business on the Business Day preceding each Distribution
          Date,
          the Seller shall deposit in the Custodial Account an amount equal to all
          payments not previously advanced by the Seller, whether or not deferred
          pursuant
          to Section 11.01, of principal (due after the Cut-Off Date) and
          interest not allocable to the period prior to the Cut-Off Date, at the
          Mortgage
          Interest Rate net of the Servicing Fee, which were due on a Mortgage Loan
          and
          delinquent at the close of business on the related Determination
          Date.

         

        (2) The
          obligation of the Seller to make such Monthly Advances is mandatory,
          notwithstanding any other provision of this Agreement, and, with respect
          to any
          Mortgage Loan or REO Property, shall continue until a Final Recovery
          Determination in connection therewith; provided that, notwithstanding anything
          herein to the contrary, no Monthly Advance shall be required to be made
          hereunder by the Seller if such Monthly Advance would, if made, constitute
          a
          Nonrecoverable Monthly Advance or a Nonrecoverable Servicing Advance. The
          determination by the Seller that it has made either a Nonrecoverable Monthly
          Advance or Nonrecoverable Servicing Advance or that any proposed Monthly
          Advance, if made, would constitute either a Nonrecoverable Monthly Advance
          or a
          Nonrecoverable Servicing Advance, shall be evidenced by an Officers’ Certificate
          delivered to the Purchaser.

         

        Subsection 11.22. Servicing
          Compensation.

         

        As
          compensation for its services hereunder, the Seller shall, subject to
          Section 11.04(xi), be entitled to withdraw from the Custodial Account or to
          retain from interest payments on the Mortgage Loans the amounts provided
          for as
          the Seller’s Servicing Fee. Additional servicing compensation in the form of
          assumption fees and any associated ancillary fees, as provided in
          Section 11.20, net Prepayment Interest Excess, and late payment charges or
          otherwise shall be retained by the Seller to the extent not required to
          be
          deposited in the Custodial Account. The Seller shall be required to pay
          all
          expenses incurred by it in connection with its servicing activities hereunder
          and shall not be entitled to reimbursement therefor except as specifically
          provided for.

         

        Subsection 11.23. Statement
          as to Compliance.

         

        (1) The
          Seller will deliver to the Purchaser on or before March 10 of 2006, an
          Officers’
Certificate stating, as to each signatory thereof, that (i) a review of the
          activities of the Seller during the preceding year and of performance under
          this
          Agreement has been made under such officers’ supervision and (ii) to the
          best of such officers’ knowledge, based on such review, the Seller has fulfilled
          all of its obligations under this Agreement throughout such year, or, if
          there
          has been a default in the fulfillment of any such obligation, specifying
          each
          such default known to such officer and the nature and status thereof. Copies
          of
          such statement shall be provided by the Purchaser to any Person identified
          as a
          prospective purchaser of the Mortgage Loans.

         

        (2) The
          Seller shall indemnify and hold harmless the master servicer, the depositor,
          the
          Purchaser (and if this Agreement has been assigned in whole or in part
          by the
          Purchaser, any and all Persons previously acting as “Purchaser” hereunder), and
          their respective officers, directors, agents and affiliates, and such
          affiliates’ officers, directors and agents (any such person, an “Indemnified
          Party”) from
          and against any losses, damages, penalties, fines, forfeitures, reasonable
          legal
          fees and related costs, judgments and other costs and expenses arising
          out of or
          based upon a breach by the Seller or any of its officers, directors, agents
          or
          affiliates of its obligations under this Section 11.23, Section 11.24,
          Section 11.25 or Section 11.31, or the negligence, bad faith or
          willful misconduct of the Seller in connection therewith. If the indemnification
          provided for herein is unavailable or insufficient to hold harmless any
          Indemnified Party, then the Seller agrees that it shall contribute to the
          amount
          paid or payable by the Indemnified Party as a result of the losses, claims,
          damages or liabilities of the Indemnified Party in such proportion as is
          appropriate to reflect the relative fault of the Indemnified Party on the
          one
          hand and the Seller in the other in connection with a breach of the Seller’s
          obligations under this Section 11.23, Section 11.24 or
          Section 11.25, or the Seller’s negligence, bad faith or willful misconduct
          in connection therewith.

         

        Subsection 11.24. Independent
          Public Accountants’ Servicing Report.

         

        On
          or
          before March 10 of 2006, the Seller at its expense shall cause a firm of
          independent public accountants (which may also render other services to
          the
          Seller) which is a member of the American Institute of Certified Public
          Accountants to furnish a statement to the Purchaser or its designee to
          the
          effect that such firm has examined certain documents and records relating
          to the
          servicing of the Mortgage Loans under this Agreement or of Mortgage Loans
          under
          pooling and servicing agreements (including the Mortgage Loans and this
          Agreement) substantially similar one to another (such statement to have
          attached thereto a schedule setting forth the pooling and servicing agreements
          covered thereby) and that, on the basis of such examination conducted
          substantially in compliance with the Uniform Single Attestation Program
          for
          Mortgage Bankers, such firm confirms that such servicing has been conducted in
          compliance with such pooling and servicing agreements except for such
          significant exceptions or errors in records that, in the opinion of such
          firm,
          the Uniform Single Attestation Program for Mortgage Bankers requires it
          to
          report. Copies of such statement shall be provided by the Purchaser to
          any
          Person identified as a prospective purchaser of the Mortgage Loans.

         

        Subsection 11.25. Annual
          Statement as to Compliance.

         

        (1) On
          or
          before March 10 of each year (or if not a Business Day, the immediately
          preceding Business Day), beginning on March 10, 2006, or at any other time
          upon
          thirty days written request, an officer of the Seller shall, if the Mortgage
          Loans are being master serviced by a master servicer in a securitization
          transaction, execute and deliver to such master servicer for the benefit
          of such
          master servicer and its officers, directors and affiliates a certification
          in
          the form of Exhibit 10 attached hereto.

         

        (2) The
          Seller shall indemnify and hold harmless the Initial Purchaser or its designee
          and their officers, directors, agents and affiliates from and against any
          losses, damages, penalties, fines, forfeitures, reasonable legal fees and
          related costs, judgments and other costs and expenses arising out of or
          based
          upon a breach by the Seller or any of its officers, directors, agents or
          affiliates of its obligations under this Section 11.25 or the negligence,
          bad faith or willful misconduct of the Seller in connection therewith.
          If the
          indemnification provided for herein is unavailable or insufficient to hold
          harmless the Initial Purchaser or its designee, then the Seller agrees
          that it
          shall contribute to the amount paid or payable by the Initial Purchaser
          or its
          designee as a result of the losses, claims, damages or liabilities of the
          Initial Purchaser or its designee in such proportion as is appropriate
          to
          reflect the relative fault of the Initial Purchaser or its designee on
          the one
          hand and the Seller on the other in connection with a breach of the Seller’s
          obligations under this Section 11.25 or the Seller’s negligence, bad faith
          or willful misconduct in connection therewith.

         

        Subsection 11.26. Notification
          of Adjustments.

         

        On
          each
          Adjustment Date, the Seller shall make interest rate adjustments for each
          Adjustable Rate Mortgage Loan in compliance with the requirements of the
          related
          Mortgage and Mortgage Note. The Seller shall execute and deliver the notices
          required by each Mortgage and Mortgage Note regarding interest rate adjustments.
          Upon the discovery by the Seller or the Purchaser that the Seller has failed
          to
          adjust a Mortgage Interest Rate or a Monthly Payment pursuant to the terms
          of
          the related Mortgage Note and Mortgage, the Seller shall (a) immediately
          deposit in the Custodial Account from its own funds the amount of any interest
          loss caused thereby without reimbursement therefor, or, (b) withdraw from
          the Custodial Account the amount of any interest overcharge previously
          passed
          through to the Purchaser.

         

        Subsection 11.27. Access
          to Certain Documentation.

         

        The
          Seller shall provide to the Office of Thrift Supervision, the FDIC and
          any other
          federal or state banking or insurance regulatory authority that may exercise
          authority over the Purchaser access to the documentation regarding the
          Mortgage
          Loans serviced by the Seller required by applicable laws and regulations.
          Such
          access shall be afforded without charge, but only upon reasonable request
          and
          during normal business hours at the offices of the Seller. In addition,
          access
          to the documentation will be provided to the Purchaser and any Person identified
          to the Seller by the Purchaser without charge, upon reasonable request
          during
          normal business hours at the offices of the Seller.

         

        Subsection 11.28. Reports
          and Returns to be Filed by the Seller.

         

        The
          Seller shall file information reports with respect to the receipt of mortgage
          interest received in a trade or business, reports of foreclosures and
          abandonments of any Mortgaged Property and information returns relating
          to
          cancellation of indebtedness income with respect to any Mortgaged Property
          as
          required by Sections 6050H, 6050J and 6050P of the Code. Such reports shall
          be in form and substance sufficient to meet the reporting requirements
          imposed
          by such Sections 6050H, 6050J and 6050P of the Code.

         

        Subsection 11.29. Application
          of Buydown Funds.

         

        With
          respect to each Buydown Mortgage Loan, the Seller shall segregate and hold
          all
          Buydown Funds in the Custodial Account separate and apart from the Seller’s
          funds and general assets.

         

        With
          respect to each Buydown Mortgage Loan, the Seller shall have deposited
          into the
          Custodial Account, no later than the Closing Date, Buydown Funds in an
          amount
          equal to the aggregate undiscounted amount of payments that, when added
          to the
          amount the Mortgagor on such Mortgage Loan is obligated to pay on all Due
          Dates
          in accordance with the terms of the Buydown Agreement, is equal to the
          full
          scheduled Monthly Payments which are required to be paid by the Mortgagor
          under
          the terms of the related Mortgage Note (without regard to the related Buydown
          Agreement as if the Mortgage Loan were not subject to the terms of the
          Buydown
          Agreement). With respect to each Buydown Mortgage Loan, the Seller will
          distribute to the Purchaser on each Distribution Date an amount of Buydown
          Funds
          equal to the amount that, when added to the amount required to be paid
          on such
          date by the related Mortgagor, pursuant to and in accordance with the related
          Buydown Agreement, equals the full Monthly Payment that would otherwise
          be
          required to be paid on such Mortgage Loan by the related Mortgagor under
          the
          terms of the related Mortgage Note (as if the Mortgage Loan were not a
          Buydown
          Mortgage Loan and without regard to the related Buydown Agreement).

         

        If
          the
          Mortgagor on a Buydown Mortgage Loan defaults on such Mortgage Loan during
          the
          Buydown period and the Mortgaged Property securing such Buydown Mortgage
          Loan is
          sold in the liquidation thereof (either by the Seller or the insurer under
          any
          related Primary Insurance Policy) the Seller shall, on the Distribution
          Date following the date upon which Liquidation Proceeds or REO Disposition
          Proceeds are received with respect to any such Buydown Mortgage Loan, distribute
          to the Purchaser all remaining Buydown Funds for such Mortgage Loan then
          remaining in the Custodial Account. Pursuant to the terms of each Buydown
          Agreement, any amounts distributed to the Purchaser in accordance with
          the
          preceding sentence will be applied to reduce the outstanding principal
          balance
          of the related Buydown Mortgage Loan. If a Mortgagor on a Buydown Mortgage
          Loan
          prepays such Mortgage Loan in its entirety during the related Buydown Period,
          the Seller shall be required to withdraw from the Custodial Account any
          Buydown
          Funds remaining in the Custodial Account with respect to such Buydown Mortgage
          Loan in accordance with the related Buydown Agreement. If a Principal Prepayment
          by a Mortgagor on a Buydown Mortgage Loan during the related Buydown Period,
          together with any Buydown Funds then remaining in the Custodial Account
          related
          to such Buydown Mortgage Loan, would result in a Principal Prepayment in
          full,
          the Seller shall distribute to the Purchaser on the Distribution Date occurring
          in the month immediately succeeding the month in which such Principal Prepayment
          is received, all Buydown Funds related to such Mortgage Loan so remaining
          in the
          Custodial Account.

         

        Subsection 11.30. Superior
          Liens.

         

        With
          respect to each Second Lien Mortgage Loan, the Seller shall, for the protection
          of the Purchaser’s interest, file (or cause to be filed) of record a
          request for notice of any action by a superior lienholder where permitted
          by
          local law and whenever applicable state law does not require that a junior
          lienholder be named as a party defendant in foreclosure proceedings in
          order to
          foreclose such junior lienholder’s equity of redemption. The Seller shall also
          notify any superior lienholder in writing of the existence of the Mortgage
          Loan
          and request notification of any action (as described below) to be taken
          against the Mortgagor or the Mortgaged Property by the superior
          lienholder.

         

        If
          the
          Seller is notified that any superior lienholder has accelerated or intends
          to
          accelerate the obligations secured by the superior lien, or has declared
          or
          intends to declare a default under the superior mortgage or the promissory
          note
          secured thereby, or has filed or intends to file an election to have the
          Mortgaged Property sold or foreclosed, the Seller shall take whatever actions
          are necessary to protect the interests of the Purchaser, and/or to preserve
          the
          security of the related Mortgage Loan, subject to any requirements applicable
          to
          real estate mortgage investment conduits pursuant to the Code. The Seller
          shall
          make a Servicing Advance of the funds necessary to cure the default or
          reinstate
          the superior lien if the Seller determines that such Servicing Advance
          is in the
          best interests of the Purchaser. The Seller shall not make such a Servicing
          Advance except to the extent that it determines in its reasonable good
          faith
          judgment that such advance will be recoverable from Liquidation Proceeds
          on the
          related Mortgage Loan. The Seller shall thereafter take such action as
          is
          necessary to recover the amount so advanced.

        

        

        
          
            
            

          

          
            
            

            
              

            

          

          
            
            

          

        

         

        EXHIBIT
          9

         

        SERVICING
          ADDENDUM FOR SERVICING RELEASED MORTGAGE LOANS

         

        Subsection 11.01. Seller
          to Act as Servicer.

         

        The
          Seller, as independent contract servicer, shall service and administer
          the
          Servicing Released Mortgage Loans in accordance with this Agreement and
          shall
          have full power and authority, acting alone, to do or cause to be done
          any and
          all things in connection with such servicing and administration which the
          Seller
          may deem necessary or desirable and consistent with the terms of this
          Agreement.

         

        Consistent
          with the terms of this Agreement, the Seller may waive, modify or vary
          any term
          of any Mortgage Loan or consent to the postponement of strict compliance
          with
          any such term or in any manner grant indulgence to any Mortgagor if in
          the
          Seller’s reasonable and prudent determination such waiver, modification,
          postponement or indulgence is not materially adverse to the Purchaser;
          provided,
          however, that the Seller shall not permit any modification with respect
          to any
          Mortgage Loan that would change the Mortgage Interest Rate, defer or forgive
          the
          payment thereof or of any principal or interest payments, reduce the outstanding
          principal amount (except for actual payments of principal), or extend the
          final
          maturity date on such Mortgage Loan. Without limiting the generality of
          the
          foregoing, the Seller shall continue, and is hereby authorized and empowered,
          to
          execute and deliver on behalf of itself, and the Purchaser, all instruments
          of
          satisfaction or cancellation, or of partial or full release, discharge
          and all
          other comparable instruments, with respect to the Mortgage Loans and with
          respect to the Mortgaged Property. If reasonably required by the Seller,
          the
          Purchaser shall furnish the Seller with any powers of attorney and other
          documents necessary or appropriate to enable the Seller to carry out its
          servicing and administrative duties under this Agreement.

         

        The
          Seller shall notify MERS of the ownership interest of Purchaser in each
          MOM Loan
          through the MORNET system or MIDANET system, as applicable, or any other
          comparable system acceptable to MERS. At any time during the term of this
          Agreement, Purchaser may direct Seller to cause any MOM Loan to be deactivated
          from the MERS System.

         

        In
          servicing and administering the Mortgage Loans, the Seller shall employ
          procedures (including collection procedures) and exercise the same care
          that it customarily employs and exercises in servicing and administering
          mortgage loans for its own account, giving due consideration to accepted
          mortgage servicing practices of prudent lending institutions, and the
          Purchaser’s reliance on the Seller.

         

        Subsection 11.02. Collection
          of Mortgage Loan Payments.

         

        Continuously
          from the date hereof until the principal and interest on all Servicing
          Released
          Mortgage Loans are paid in full, the Seller shall proceed diligently to
          collect
          all payments due under each Servicing Released Mortgage Loan when the same
          shall
          become due and payable and shall, to the extent such procedures shall be
          consistent with this Agreement and the terms and provisions of any related
          Primary Insurance Policy, follow such collection procedures as it follows
          with
          respect to Mortgage Loans comparable to the Mortgage Loans and held for
          its own
          account. Further, the Seller shall take special care in ascertaining and
          estimating annual ground rents, taxes, assessments, water rates, fire and
          hazard
          insurance premiums, mortgage insurance premiums, and all other charges
          that, as
          provided in the Mortgage, will become due and payable to the end that the
          installments payable by the Mortgagors will be sufficient to pay such charges
          as
          and when they become due and payable.

         

        Subsection 11.03. Realization
          Upon Defaulted Mortgage Loans.

         

        (1) The
          Seller shall use its best efforts, consistent the procedures that the Seller
          would use in servicing mortgage loans for its own account, to foreclose
          upon or
          otherwise comparably convert the ownership of such Mortgaged Properties
          as come
          into and continue in default and as to which no satisfactory arrangements
          can be
          made for collection of delinquent payments pursuant to Section 11.01. The
          Seller shall use its best efforts to realize upon defaulted Mortgage Loans
          in
          such a manner as will maximize the receipt of principal and interest by
          the
          Purchaser, taking into account, among other things, the timing of foreclosure
          proceedings. The foregoing is subject to the provisions that, in any case
          in
          which Mortgaged Property shall have suffered damage, the Seller shall not
          be
          required to expend its own funds toward the restoration of such property
          unless
          it shall determine in its discretion (i) that such restoration will
          increase the proceeds of liquidation of the related Mortgage Loan to Purchaser
          after reimbursement to itself for such expenses, and (ii) that such
          expenses will be recoverable by the Seller through Insurance Proceeds or
          Liquidation Proceeds from the related Mortgaged Property, as contemplated
          in
          Section 11.05. In the event that any payment due under any Mortgage Loan is
          not paid when the same becomes due and payable, or in the event the Mortgagor
          fails to perform any other covenant or obligation under the Mortgage Loan
          and
          such failure continues beyond any applicable grace period, the Seller shall
          take
          such action as it shall deem to be in the best interest of the Purchaser.
          In the
          event that any payment due under any Servicing Released Mortgage Loan remains
          delinquent for a period of 90 days or more, the Seller shall commence
          foreclosure proceedings. The Seller shall notify the Purchaser in writing
          of the
          commencement of foreclosure proceedings. In such connection, the Seller
          shall be
          responsible for all costs and expenses incurred by it in any such proceedings;
          provided, however, that it shall be entitled to reimbursement in accordance
          with
          Section 11.05.

         

        (2) Notwithstanding
          the foregoing provisions of this Section 11.03, with respect to any
          Mortgage Loan as to which the Seller has received actual notice of, or
          has
          actual knowledge of, the presence of any toxic or hazardous substance on
          the
          related Mortgaged Property the Seller shall not either (i) obtain title to
          such Mortgaged Property as a result of or in lieu of foreclosure or otherwise,
          or (ii) otherwise acquire possession of, or take any other action, with
          respect to, such Mortgaged Property if, as a result of any such action,
          the
          Purchaser would be considered to hold title to, to be a mortgagee in possession
          of, or to be an owner or operator of such Mortgaged Property within the
          meaning
          of the Comprehensive Environmental Response, Compensation and Liability
          Act of
          1980, as amended from time to time, or any comparable law, unless the Seller
          has
          also previously determined, based on its reasonable judgment and a prudent
          report prepared by a Person who regularly conducts environmental audits
          using
          customary industry standards, that:

         

        (a) such
          Mortgaged Property is in compliance with applicable environmental laws
          or, if
          not, that it would be in the best economic interest of the Purchaser to
          take
          such actions as are necessary to bring the Mortgaged Property into compliance
          therewith; and

         

        (b) there
          are
          no circumstances present at such Mortgaged Property relating to the use,
          management or disposal of any hazardous substances, hazardous materials,
          hazardous wastes, or petroleum based materials for which investigation,
          testing,
          monitoring, containment, clean up or remediation could be required under
          any
          federal, state or local law or regulation, or that if any such materials
          are
          present for which such action could be required, that it would be in the
          best
          economic interest of the Purchaser to take such actions with respect to
          the
          affected Mortgaged Property.

         

        The
          cost
          of the environmental audit report contemplated by this Section 11.03 shall
          be advanced by the Seller, subject to the Seller’s right to be reimbursed
          therefor from the Custodial Account as provided in
          Section 11.05(v).

         

        Upon
          completion of the environmental audit report, the Seller shall promptly
          provided
          the Purchaser with a copy thereof. Thereafter, the Seller and Purchaser
          shall
          consult to determine how to proceed with respect to the Mortgaged
          Property.

         

        (3) Proceeds
          received in connection with any Final Recovery Determination, as well as
          any
          recovery resulting from a partial collection of Insurance Proceeds or
          Liquidation Proceeds in respect of any Mortgage Loan, will be applied as
          follows: to reimburse the Seller for any related unreimbursed Servicing
          Advances
          pursuant to Section 11.05(ii); to pay accrued and unpaid interest on the
          Mortgage Loan, to the date of the Final Recovery Determination, or if not
          in
          connection with a Final Recovery Determination, to the Due Date prior to
          the
          Distribution Date on which such amounts are to be distributed; as a recovery
          of
          delinquent principal of the Mortgage Loan.

         

        Subsection 11.04. Establishment
          of Custodial Accounts; Deposits in Custodial Accounts.

         

        The
          Seller shall segregate and hold all funds collected and received pursuant
          to
          each Mortgage Loan separate and apart from any of its own funds and general
          assets and shall establish and maintain one or more Custodial Accounts,
          in the
          form of time deposit or demand accounts. The Custodial Account shall be
          established with a Qualified Depository as a Special Deposit Account. The
          Seller
          and the Purchaser intend that the Custodial Account be a special deposit
          account. Any funds deposited in the Custodial Account shall at all times
          be
          fully insured to the full extent permitted under applicable law. The creation
          of
          any Custodial Account shall be evidenced by a Custodial Account Letter
          Agreement
          in the form of Exhibit 6.

         

        The
          Seller shall deposit in the Custodial Account on a daily basis, and retain
          therein the following payments and collections received by it subsequent
          to the
          Cut-Off Date, or received by it prior to the Cut-Off Date but allocable
          to a
          period subsequent thereto, other than in respect of principal and interest
          on
          the Servicing Released Mortgage Loans due on or before the Cut-Off
          Date:

         

        (i)  all
          payments on account of principal on the Mortgage Loans;

         

        (ii)  all
          payments on account of interest on the Mortgage Loans;

         

        (iii)  all
          Liquidation Proceeds;

         

        (iv)  all
          Insurance Proceeds including amounts required to be deposited pursuant
          to
          Sections 11.10 and 11.11, other than proceeds to be held in the Escrow
          Account and applied to the restoration or repair of the Mortgaged Property
          or
          released to the Mortgagor in accordance with the loan documents or applicable
          law;

         

        (v)  all
          Condemnation Proceeds affecting any Mortgaged Property which are not released
          to
          the Mortgagor in accordance with the Seller’s normal servicing procedures, the
          loan documents or applicable law;

         

        (vi)  all
          proceeds of any Servicing Released Mortgage Loan repurchased in accordance
          with
          Sections 7.03 and all amounts required to be deposited by the Seller in
          connection with shortfalls in principal amount of Qualified Substitute
          Mortgage
          Loans pursuant to Section 7.03;

         

        (vii)  any
          amounts required to be deposited by the Seller pursuant to Section 11.11 in
          connection with the deductible clause in any blanket hazard insurance policy.
          Such deposit shall be made from the Seller’s own funds, without reimbursement
          therefor;

         

        (viii)  any
          amounts required to be deposited by the Seller in connection with any REO
          Property pursuant to Section 11.13;

         

        (ix)  any
          amounts required to be deposited in the Custodial Account pursuant to
          Sections 11.19 or 11.20; and

         

        (x)  any
          prepayment penalties received with respect to any Mortgage Loan.

         

        The
          foregoing requirements for deposit in the Custodial Account shall be exclusive,
          it being understood and agreed that, without limiting the generality of
          the
          foregoing, payments in the nature of late payment charges and assumption
          fees,
          to the extent permitted by Section 11.01, need not be deposited by the
          Seller in the Custodial Account. Such Custodial Account shall be an Eligible
          Account. Any interest or earnings on funds deposited in the Custodial Account
          by
          the depository institution shall accrue to the benefit of the Seller and
          the
          Seller shall be entitled to retain and withdraw such interest from the
          Custodial
          Account pursuant to Section 11.05(iii). The Seller shall give notice to the
          Purchaser of the location of the Custodial Account when established and
          prior to
          any change thereof.

         

        Mortgage
          Loans having Due Dates other than the first day of a month shall be accounted
          for as described in this Section 11.04. Any payment due on a day other than
          the first day of each month shall be considered due on the first day of
          the
          month following the month in which that payment is due as if such payment
          were
          due on the first day of said month. For example, a payment due on August
          15
          shall be considered to be due on September 1.

         

        Subsection 11.05. Permitted
          Withdrawals From the Custodial Account.

         

          The
          Seller may, from time to time, withdraw from the Custodial Account for
          the
          following purposes:

         

        (i)  to
          make
          distributions to the Purchaser in the amounts and in the manner provided
          for in
          Section 11.11;

         

        (ii)  to
          reimburse itself for unreimbursed Servicing Advances, the Seller’s right to
          reimburse itself pursuant to this subclause (ii) with respect to any
          Mortgage Loan being limited to related Liquidation Proceeds, Condemnation
          Proceeds, Insurance Proceeds and such other amounts as may be collected
          by the
          Seller from the Mortgagor or otherwise relating to the Mortgage Loan, it
          being
          understood that, in the case of such reimbursement, the Seller’s right thereto
          shall be prior to the rights of the Purchaser, except that, where the Seller
          is
          required to repurchase a Servicing Released Mortgage Loan, pursuant to
          Section 7.03, the Seller’s right to such reimbursement shall be subsequent
          to the payment to the Purchaser of the Repurchase Price pursuant to
          Section 7.03 and all other amounts required to be paid to the Purchaser
          with respect to such Servicing Released Mortgage Loans;

         

        (iii)  to
          pay to
          itself pursuant to Section 11.20 as servicing compensation (a) any
          interest earned on funds in the Custodial Account (all such interest to
          be
          withdrawn monthly not later than each Distribution Date), and (b) the
          Servicing Fee from that portion of any payment or recovery as to interest
          on a
          particular Mortgage Loan;

         

        (iv)  to
          pay to
          itself with respect to each Servicing Released Mortgage Loan that has been
          repurchased pursuant to Section 7.03 all amounts received thereon and not
          distributed as of the date on which the related Repurchase Price is
          determined;

         

        (v)  to
          pay,
          or to reimburse itself for advances in respect of, expenses incurred in
          connection with any Mortgage Loan pursuant to Section 11.03(b), but only to
          the extent of amounts received in respect of the Mortgage Loans to which
          such
          expense is attributable;

         

        (vi)  to
          reimburse itself for Nonrecoverable Servicing Advances made pursuant to
          this
          Agreement; and

         

        (vii)  to
          clear
          and terminate the Custodial Account on the termination of this Agreement;
          and

         

        (viii)  to
          reimburse Seller for funds placed in the Custodial Account in
          error.

         

        The
          Seller shall keep and maintain separate accounting, on a Mortgage Loan
          by
          Mortgage Loan basis, for the purpose of justifying any withdrawal from
          the
          Custodial Account pursuant to such subclauses (ii) 
(vii) above.

         

        Subsection 11.06. Establishment
          of Escrow Accounts; Deposits in Escrow Accounts.

         

        The
          Seller shall segregate and hold all funds collected and received pursuant
          to
          each Mortgage Loan which constitute Escrow Payments separate and apart
          from any
          of its own funds and general assets and shall establish and maintain one
          or more
          Escrow Accounts, in the form of time deposit or demand accounts. The Escrow
          Account shall be established with a Qualified Depository as a Special Deposit
          Account, in a manner which shall provide maximum available insurance thereunder.
          The creation of any Escrow Account shall be evidenced by Escrow Account
          Letter
          Agreement in the form of Exhibit 7.

         

        The
          Seller shall deposit in the Escrow Account or Accounts on a daily basis,
          and
          retain therein, (i) all Escrow Payments collected on account of the
          Mortgage Loans, for the purpose of effecting timely payment of any such
          items as
          required under the terms of this Agreement, and (ii) all Insurance Proceeds
          which are to be applied to the restoration or repair of any Mortgaged Property.
          The Seller shall make withdrawals therefrom only to effect such payments
          as are
          required under this Agreement, and for such other purposes as shall be
          as set
          forth or in accordance with Section 11.06. The Seller shall be entitled to
          retain any interest paid on funds deposited in the Escrow Account by the
          depository institution other than interest on escrowed funds required by
          law to
          be paid to the Mortgagor and, to the extent required by law, the Seller
          shall
          pay interest on escrowed funds to the Mortgagor notwithstanding that the
          Escrow
          Account is non interest bearing or that interest paid thereon is insufficient
          for such purposes.

         

        Subsection 11.07. Permitted
          Withdrawals From Escrow Account.

         

        Withdrawals
          from the Escrow Account may be made by the Seller (i) to effect timely
          payments of ground rents, taxes, assessments, water rates, hazard insurance
          premiums, Primary Insurance Policy premiums, if applicable, and comparable
          items, (ii) to reimburse the Seller for any Servicing Advance made by the
          Seller with respect to a related Mortgage Loan but only from amounts received
          on
          the related Mortgage Loan which represent late payments or collections
          of Escrow
          Payments thereunder, (iii) to refund to the Mortgagor any funds as may be
          determined to be overages, (iv) for transfer to the Custodial Account in
          accordance with the terms of this Agreement, (v) for application to
          restoration or repair of the Mortgaged Property, (vi) to pay to the Seller,
          or to the Mortgagor to the extent required by law, any interest paid on
          the
          funds deposited in the Escrow Account, or (vii) to clear and terminate the
          Escrow Account on the termination of this Agreement or (viii) to reimburse
          Seller for funds placed in the Escrow Account in error.

         

        Subsection 11.08. Payment
          of Taxes, Insurance and Other Charges; Maintenance of Primary Insurance
          Policies; Collections Thereunder.

         

        With
          respect to each Mortgage Loan, the Seller shall maintain accurate records
          reflecting the status of ground rents, taxes, assessments, water rates
          and other
          charges which are or may become a lien upon the Mortgaged Property and
          the
          status of Primary Insurance Policy premiums and fire and hazard insurance
          coverage and shall obtain, from time to time, all bills for the payment
          of such
          charges, including insurance renewal premiums and shall effect payment
          thereof
          prior to the applicable penalty or termination date and at a time appropriate
          for securing maximum discounts allowable, employing for such purpose deposits
          of
          the Mortgagor in the Escrow Account which shall have been estimated and
          accumulated by the Seller in amounts sufficient for such purposes, as allowed
          under the terms of the Mortgage and applicable law. To the extent that
          the
          Mortgage does not provide for Escrow Payments, the Seller shall determine
          that
          any such payments are made by the Mortgagor. The Seller assumes full
          responsibility for the timely payment of all such bills and shall effect
          timely
          payments of all such bills irrespective of the Mortgagor’s faithful performance
          in the payment of same or the making of the Escrow Payments and shall make
          advances from its own funds to effect such payments.

         

        The
          Seller shall maintain in full force and effect, a Primary Insurance Policy,
          issued by a Qualified Insurer, with respect to each Mortgage Loan for which
          such
          coverage is required. Such coverage shall be maintained until the Loan-to-Value
          Ratio of the related Mortgage Loan is reduced to that amount for which
          Fannie
          Mae no longer requires such insurance to be maintained. The Seller will
          not
          cancel or refuse to renew any Primary Insurance Policy in effect on the
          Closing
          Date that is required to be kept in force under this Agreement unless a
          replacement Primary Insurance Policy for such cancelled or non renewed
          policy is
          obtained from and maintained with a Qualified Insurer. The Seller shall
          not take
          any action which would result in non coverage under any applicable Primary
          Insurance Policy of any loss which, but for the actions of the Seller,
          would
          have been covered thereunder. In connection with any assumption or substitution
          agreement entered into or to be entered into pursuant to Section 11.18, the
          Seller shall promptly notify the insurer under the related Primary Insurance
          Policy, if any, of such assumption or substitution of liability in accordance
          with the terms of such policy and shall take all actions which may be required
          by such insurer as a condition to the continuation of coverage under the
          Primary
          Insurance Policy. If such Primary Insurance Policy is terminated as a result
          of
          such assumption or substitution of liability, the Seller shall obtain a
          replacement Primary Insurance Policy as provided above.

         

        In
          connection with its activities as servicer, the Seller agrees to prepare
          and
          present, on behalf of itself, and the Purchaser, claims to the insurer
          under any
          Primary Insurance Policy in a timely fashion in accordance with the terms
          of
          such policies and, in this regard, to take such action as shall be necessary
          to
          permit recovery under any Primary Insurance Policy respecting a defaulted
          Mortgage Loan. Pursuant to Section 11.04, any amounts collected by the
          Seller under any Primary Insurance Policy shall be deposited in the Custodial
          Account, subject to withdrawal pursuant to Section 11.05.

         

        Subsection 11.09. Transfer
          of Accounts.

         

        The
          Seller may transfer the Custodial Account or the Escrow Account to a different
          depository institution from time to time. Such transfer shall be made only
          upon
          obtaining the consent of the Purchaser, which consent shall not be unreasonably
          withheld. In any case, the Custodial Account and Escrow Account shall be
          Eligible Accounts.

         

        Subsection 11.10. Maintenance
          of Hazard Insurance.

         

        In
          connection with its activities as servicer, the Seller agrees to prepare
          and
          present, on behalf of itself and the Purchaser, claims to the insurer under
          any
          hazard insurance policy in a timely fashion in accordance with the terms
          of such
          policies and, in this regard, to take such action as shall be necessary
          to
          permit recovery under any hazard insurance policy. The Seller shall cause
          to be
          maintained for each Mortgage Loan fire and hazard insurance with extended
          coverage as is customary in the area where the Mortgaged Property is located
          in
          an amount which is at least equal to the lesser of (i) the amount necessary
          to fully compensate for any damage or loss to the improvements which are
          a part
          of such property on a replacement cost basis or (ii) the outstanding
          principal balance of the Mortgage Loan, in each case in an amount not less
          than
          such amount as is necessary to prevent the Mortgagor and/or the Mortgagee
          from
          becoming a co insurer. If the Mortgaged Property is in an area identified
          on a
          Flood Hazard Boundary Map or Flood Insurance Rate Map issued by the Flood
          Emergency Management Agency as having special flood hazards and such flood
          insurance has been made available through NFIP, the Seller will cause to
          be
          maintained a flood insurance policy meeting the requirements of the current
          guidelines of the Federal Insurance Administration with a generally acceptable
          insurance carrier, in an amount representing coverage not less than the
          lesser
          of (i) the outstanding principal balance of the Mortgage Loan or
          (ii) the maximum amount of insurance which is available under the National
          Flood Insurance Act of 1968 or the Flood Disaster Protection Act of 1973,
          as
          amended. The Seller also shall maintain on any REO Property, fire and hazard
          insurance with extended coverage in an amount which is at least equal to
          the
          lesser of (i) the maximum insurable value of the improvements which are a
          part of such property and (ii) the outstanding principal balance of the
          related Mortgage Loan at the time it became an REO Property plus accrued
          interest at the Mortgage Interest Rate and related Servicing Advances,
          liability
          insurance and, to the extent required and available under the National
          Flood
          Insurance Act of 1968 or the Flood Disaster Protection Act of 1973, as
          amended,
          flood insurance in an amount as provided above. Pursuant to Section 11.04,
          any amounts collected by the Seller under any such policies other than
          amounts
          to be deposited in the Escrow Account and applied to the restoration or
          repair
          of the Mortgaged Property or REO Property, or released to the Mortgagor
          in
          accordance with the Seller’s normal servicing procedures, shall be deposited in
          the Custodial Account, subject to withdrawal pursuant to Section 11.05. Any
          cost incurred by the Seller in maintaining any such insurance shall not,
          for the
          purpose of calculating distributions to the Purchaser, be added to the
          unpaid
          principal balance of the related Mortgage Loan, notwithstanding that the
          terms
          of such Mortgage Loan so permit. It is understood and agreed that no earthquake
          or other additional insurance need be required by the Seller or the Mortgagor
          or
          maintained on property acquired in respect of the Mortgage Loan, other
          than
          pursuant to such applicable laws and regulations as shall at any time be
          in
          force and as shall require such additional insurance. All such policies
          shall be
          endorsed with standard mortgagee clauses with loss payable to the Seller,
          or
          upon request to the Purchaser, and shall provide for at least thirty days
          prior
          written notice of any cancellation, reduction in the amount of, or material
          change in, coverage to the Seller. The Seller shall not interfere with
          the
          Mortgagor’s freedom of choice in selecting either his insurance carrier or
          agent, provided, however, that the Seller shall not accept any such insurance
          policies from insurance companies unless such companies currently reflect
          a
          General Policy Rating of B+ or a financial performance indes of VI or better
          in
          Best’s Key Rating Guide and are licensed to do business in the state wherein
          the
          property subject to the policy is located.

         

        Subsection 11.11 Maintenance
          of Mortgage Impairment Insurance Policy.

         

        In
          the
          event that the Seller shall obtain and maintain a mortgage impairment or
          blanket
          policy issued by an issuer that has a Best rating of A:VI insuring against
          hazard losses on all Mortgaged Properties securing the Mortgage Loans,
          then, to
          the extent such policy provides coverage in an amount equal to the amount
          required pursuant to Section 11.10 and otherwise complies with all other
          requirements of Section 11.10, the Seller shall conclusively be deemed to
          have satisfied its obligations as set forth in Section 11.10, it being
          understood and agreed that such policy may contain a deductible clause,
          in which
          case the Seller shall, in the event that there shall not have been maintained
          on
          the related Mortgaged Property or REO Property a policy complying with
          Section 11.10, and there shall have been one or more losses which would
          have been covered by such policy, deposit in the Custodial Account the
          amount
          not otherwise payable under the blanket policy because of such deductible
          clause. In connection with its activities as servicer of the Mortgage Loans,
          the
          Seller agrees to prepare and present, on behalf of the Purchaser, claims
          under
          any such blanket policy in a timely fashion in accordance with the terms
          of such
          policy. Upon request of the Purchaser, the Seller shall cause to be delivered
          to
          the Purchaser a declaration statement verifying insurance coverage and
          deductible amounts from the insurer.

         

        Subsection 11.12 Fidelity
          Bond, Errors and Omissions Insurance.

         

        The
          Seller shall maintain, at its own expense, a blanket fidelity bond and
          an errors
          and omissions insurance policy, with broad coverage with responsible companies
          that would meet the requirements of Fannie Mae and Freddie Mac on all officers,
          employees or other persons acting in any capacity with regard to the Mortgage
          Loans to handle funds, money, documents and papers relating to the Mortgage
          Loans. The fidelity bond and errors and omissions insurance shall be in
          the form
          of the Mortgage Banker’s Blanket Bond and shall protect and insure the Seller
          against losses, including forgery, theft, embezzlement, fraud, errors and
          omissions and negligent acts of such persons. Such fidelity bond shall
          also
          protect and insure the Seller against losses in connection with the failure
          to
          maintain any insurance policies required pursuant to this Agreement and
          the
          release or satisfaction of a Mortgage Loan without having obtained payment
          in
          full of the indebtedness secured thereby. No provision of this
          Section 11.12 requiring the fidelity bond and errors and omissions
          insurance shall diminish or relieve the Seller from its duties and obligations
          as set forth in this Agreement. The minimum coverage under any such bond
          and
          insurance policy shall be at least equal to the corresponding amounts required
          by Fannie Mae in the Fannie Mae Servicing Guide or by Freddie Mac in the
          Freddie
          Mac Sellers’ and Servicers’ Guide. Upon request of the Purchaser, the Seller
          shall cause to be delivered to the Purchaser a declaration statement verifying
          insurance coverage and deductible amounts from the surety and the
          insurer.

         

        Subsection 11.13 Title,
          Management and Disposition of REO Property.

         

        In
          the
          event that title to the Mortgaged Property is acquired in foreclosure or
          by deed
          in lieu of foreclosure, the deed or certificate of sale shall be taken
          in the
          name of the person designated by the Purchaser, or in the event such person
          is
          not authorized or permitted to hold title to real property in the state
          where
          the REO Property is located, or would be adversely affected under the “doing
          business” or tax laws of such state by so holding title, the deed or certificate
          of sale shall be taken in the name of such Person or Persons as shall be
          consistent with an opinion of counsel obtained by the Seller from an attorney
          duly licensed to practice law in the state where the REO Property is located.
          Any Person or Persons holding such title other than the Purchaser shall
          acknowledge in writing that such title is being held as nominee for the
          benefit
          of the Purchaser.

         

        The
          Seller shall either itself or through an agent selected by the Seller,
          manage,
          conserve, protect and operate each REO Property (and may temporarily rent
          the
          same) in the same manner that it manages, conserves, protects and operates
          other foreclosed property for its own account, and in the same manner that
          similar property in the same locality as the REO Property is managed. If
          a REMIC
          election is or is to be made with respect to the arrangement under which
          the
          Mortgage Loans and any REO Property are held, the Seller shall manage,
          conserve,
          protect and operate each REO Property in a manner which does not cause
          such REO
          Property to fail to qualify as “foreclosure property” within the meaning of
          Section 860G(a)(8) of the Code or result in the receipt by such REMIC
          of any “income from non permitted assets” within the meaning of
          Section 860F(a)(2)(b) of the Code or any “net income from foreclosure
          property” within the meaning of Section 860G(c)(2) of the Code. The
          Seller shall cause each REO Property to be inspected promptly upon the
          acquisition of title thereto and shall cause each REO Property to be inspected
          at least annually thereafter. The Seller shall make or cause to be made
          a
          written report of each such inspection. Such reports shall be retained
          in the
          Servicing File and copies thereof shall be forwarded by the Seller to the
          Purchaser upon request. The Seller shall use its best efforts to dispose
          of the
          REO Property as soon as possible and shall sell such REO Property in any
          event
          within one year after title has been taken to such REO Property, unless
          the
          Seller determines, and gives appropriate notice to the Purchaser, that
          a longer
          period is necessary for the orderly liquidation of such REO Property. If
          a
          period longer than one year is necessary to sell any REO property, (i) the
          Seller shall report monthly to the Purchaser as to the progress being made
          in
          selling such REO Property and (ii) if, with the written consent of the
          Purchaser, a purchase money mortgage is taken in connection with such sale,
          such
          purchase money mortgage shall name the Seller as mortgagee, and a separate
          servicing agreement between the Seller and the Purchaser shall be entered
          into
          with respect to such purchase money mortgage. Notwithstanding the foregoing,
          if
          a REMIC election is made with respect to the arrangement under which the
          Mortgage Loans and the REO Property are held, such REO Property shall be
          disposed of within three years or such other period as may be permitted
          under
          Section 860G(a)(8) of the Code.

         

        With
          respect to each REO Property, the Seller shall segregate and hold all funds
          collected and received in connection with the operation of the REO Property
          separate and apart from its own funds or general assets in a Custodial
          Account
          for each REO Property

         

        The
          Seller shall deposit or cause to be deposited, on a daily basis in the
          related
          Custodial Account all revenues received with respect to the related REO
          Property
          and shall withdraw therefrom funds necessary for the proper operation,
          management and maintenance of the REO Property, including the cost of
          maintaining any hazard insurance pursuant to Section 11.10 hereof and the
          fees of any managing agent acting on behalf of the Seller.

         

        The
          Seller shall furnish to the Purchaser on each Distribution Date, an operating
          statement for each actively rented REO Property covering the operation
          of each
          REO Property for the previous month. Such operating statement shall be
          accompanied by such other information as the Purchaser shall reasonably
          request.

         

        Each
          REO
          Disposition shall be carried out by the Seller at such price and upon such
          terms
          and conditions as the Seller deems to be in the best interest of the Purchaser.
          If as of the date title to any REO Property was acquired by the Seller
          there
          were outstanding unreimbursed Servicing Advances with respect to the REO
          Property, the Seller, upon an REO Disposition of such REO Property, shall
          be
          entitled to reimbursement for any related unreimbursed Servicing Advances
          from
          proceeds received in connection with such REO Disposition. The proceeds
          from the
          REO Disposition, net of any payment to the Seller as provided above, shall
          be
          deposited in the Custodial Account.

         

        Subsection 11.14 Distributions.

         

        On
          each
          Distribution Date, the Seller shall distribute to the Purchaser all amounts
          credited to the Custodial Account as of the close of business on the preceding
          Determination Date, net of charges against or withdrawals from the Custodial
          Account pursuant to Section 11.05; minus (ii) any amounts attributable
          to Principal Prepayments received after the last day of the calendar month
          immediately preceding the related Distribution Date and (iii) any amounts
          attributable to Monthly Payments collected but due on a Due Date or Dates
          subsequent to the preceding Determination Date.

         

        All
          distributions made to the Purchaser on each Distribution Date will be made
          to
          the Purchaser of record on the preceding Record Date, and shall be based
          on the
          Mortgage Loans owned and held by the Purchaser, and shall be made by wire
          transfer of immediately available funds to the account of the Purchaser
          at a
          bank or other entity having appropriate facilities therefor, if the Purchaser
          shall have so notified the Seller or by check mailed to the address of
          the
          Purchaser.

         

        With
          respect to any remittance received by the Purchaser on or after the second
          Business Day following the Business Day on which such payment was due,
          the
          Seller shall pay to the Purchaser interest on any such late payment at
          an annual
          rate equal to the rate of interest as is publicly announced from time to
          time at
          its principal office by JPMorgan Chase Bank, New York, New York, as its
          prime
          lending rate, adjusted as of the date of each change, plus three percentage
          points, but in no event greater than the maximum amount permitted by applicable
          law. Such interest shall be paid by the Seller to the Purchaser on the
          date such
          late payment is made and shall cover the period commencing with the day
          following such second Business Day and ending with the Business Day on
          which
          such payment is made, both inclusive. Such interest shall be remitted along
          with
          such late payment. The payment by the Seller of any such interest shall
          not be
          deemed an extension of time for payment or a waiver of any Event of Default
          by
          the Seller.

         

        Subsection 11.15 Remittance
          Reports.

         

        On
          or
          before the 10th day (or if such 10th day is not a Business Day, the immediately
          preceding Business Day) of any month, the Seller shall provide to the
          Purchaser (or its designee) a computer tape or electronically transmitted
          data file in Excel format (or such other mutually agreeable format) setting
          forth the information contained in Exhibit 15 hereto (the “Monthly
          Remittance Advice”).

         

        On
          the
          10th day (or if such 10th day is not a Business Day, the immediately preceding
          Business Day) of each month (the “Data
          File Delivery Date”) commencing
          in the month after the Closing Date, the Seller shall deliver to the Purchaser
          a
          data file in “.csv” format incorporating the fields set forth in the data file
          layout in substantial compliance with the form set forth on Exhibit 16
          hereto
          (the “Data
          File”).

         

        Subsection 11.16 Statements
          to the Purchaser.

         

        Upon
          request, the Seller shall forward to the Purchaser or its designee a copy
          of
          Seller’s custodial reconciliation reports.

         

        Subsection 11.17 Liquidation
          Reports.

         

        Upon
          the
          foreclosure sale of any Mortgaged Property or the acquisition thereof by
          the
          Purchaser pursuant to a deed in lieu of foreclosure, the Seller shall submit
          to
          the Purchaser a liquidation report with respect to such Mortgaged
          Property.

         

        Subsection 11.18 Assumption
          Agreements.

         

        The
          Seller shall, to the extent it has knowledge of any conveyance or prospective
          conveyance by any Mortgagor of the Mortgaged Property (whether by absolute
          conveyance or by contract of sale, and whether or not the Mortgagor remains
          or
          is to remain liable under the Mortgage Note and/or the Mortgage), exercise
          its
          rights to accelerate the maturity of such Mortgage Loan under any “due on sale”
clause applicable thereto; provided, however, that the Seller shall not
          exercise
          any such rights if prohibited by law from doing so or if the exercise of
          such
          rights would impair or threaten to impair any recovery under the related
          Primary
          Insurance Policy, if any. If the Seller reasonably believes it is unable
          under
          applicable law to enforce such “due on sale” clause, the Seller shall enter into
          an assumption agreement with the person to whom the Mortgaged Property
          has been
          conveyed or is proposed to be conveyed, pursuant to which such person becomes
          liable under the Mortgage Note and, to the extent permitted by applicable
          state
          law, the Mortgagor remains liable thereon. Where an assumption is not allowed
          pursuant to this Section 11.18, the Seller, with the prior written consent
          of the insurer under the Primary Insurance Policy, if any, is authorized
          to
          enter into a substitution of liability agreement with the person to whom
          the
          Mortgaged Property has been conveyed or is proposed to be conveyed pursuant
          to
          which the original Mortgagor is released from liability and such Person
          is
          substituted as Mortgagor and becomes liable under the related Mortgage
          Note. Any
          such substitution of liability agreement shall be in lieu of an assumption
          agreement.

         

        In
          connection with any such assumption or substitution of liability, the Seller
          shall follow the underwriting practices and procedures of prudent mortgage
          lenders in the state in which the related Mortgaged Property is located.
          With
          respect to an assumption or substitution of liability, Mortgage Interest
          Rate,
          the amount of the Monthly Payment, and the final maturity date of such
          Mortgage
          Note may not be changed. The Seller shall notify the Purchaser that any
          such
          substitution of liability or assumption agreement has been completed by
          forwarding to the Purchaser the original of any such substitution of liability
          or assumption agreement, which document shall be added to the related Mortgage
          File and shall, for all purposes, be considered a part of such Mortgage
          File to
          the same extent as all other documents and instruments constituting a part
          thereof.

         

        Notwithstanding
          the foregoing paragraphs of this Section or any other provision of this
          Agreement, the Seller shall not be deemed to be in default, breach or any
          other
          violation of its obligations hereunder by reason of any assumption of a
          Mortgage
          Loan by operation of law or any assumption which the Seller may be restricted
          by
          law from preventing, for any reason whatsoever. For purposes of this
          Section 11.18, the term “assumption” is deemed to also include a sale of
          the Mortgaged Property subject to the Mortgage that is not accompanied
          by an
          assumption or substitution of liability agreement.

         

        Subsection 11.19 Satisfaction
          of Mortgages and Release of Mortgage Files.

         

        Upon
          the
          payment in full of any Mortgage Loan, the Seller shall request execution
          of any
          document necessary to satisfy the Mortgage Loan and delivery to it of the
          portion of the Mortgage File held by the Purchaser or the Purchaser’s designee.
          Upon request, the Purchaser, shall promptly release the related mortgage
          documents to the Seller and the Seller shall prepare and process any
          satisfaction or release. No expense incurred in connection with any instrument
          of satisfaction or deed of reconveyance shall be chargeable to the Custodial
          Account or the Purchaser.

         

        In
          the
          event the Seller satisfies or releases a Mortgage without having obtained
          payment in full of the indebtedness secured by the Mortgage or should it
          otherwise prejudice any right the Purchaser may have under the mortgage
          instruments, the Seller, upon written demand, shall remit to the Purchaser
          the
          then outstanding principal balance of the related Mortgage Loan by deposit
          thereof in the Custodial Account. The Seller shall maintain the fidelity
          bond
          insuring the Seller against any loss it may sustain with respect to any
          Mortgage
          Loan not satisfied in accordance with the procedures set forth
          herein.

         

        From
          time
          to time and as appropriate for the servicing or foreclosure of the Mortgage
          Loan, including for this purpose collection under any Primary Insurance
          Policy,
          the Purchaser shall, upon request of the Seller and delivery to the Purchaser
          of
          a servicing receipt signed by a Servicing Officer, release the requested
          portion
          of the Mortgage File held by the Purchaser to the Seller. Such servicing
          receipt
          shall obligate the Seller to return the related Mortgage documents to the
          Purchaser when the need therefor by the Seller no longer exists, unless
          the
          Mortgage Loan has been liquidated and the Liquidation Proceeds relating
          to the
          Mortgage Loan have been deposited in the Custodial Account or the Mortgage
          File
          or such document has been delivered to an attorney, or to a public trustee
          or
          other public official as required by law, for purposes of initiating or
          pursuing
          legal action or other proceedings for the foreclosure of the Mortgaged
          Property
          either judicially or non judicially, and the Seller has delivered to the
          Purchaser a certificate of a Servicing Officer certifying as to the name
          and
          address of the Person to which such Mortgage File or such document was
          delivered
          and the purpose or purposes of such delivery. Upon receipt of a certificate
          of a
          Servicing Officer stating that such Mortgage Loan was liquidated, the servicing
          receipt shall be released by the Purchaser to the Seller.

         

        Subsection 11.20 Servicing
          Compensation.

         

        As
          compensation for its services hereunder, the Seller shall be entitled to
          withdraw from the Custodial Account or to retain from interest payments
          on the
          Mortgage Loans the amounts provided for as the Seller’s Servicing Fee.
          Additional servicing compensation in the form of assumption fees and any
          associated ancillary fees, as provided in Section 11.18, net Prepayment
          Interest Excess, and late payment charges or otherwise shall be retained
          by the
          Seller to the extent not required to be deposited in the Custodial Account.
          The
          Seller shall be required to pay all expenses incurred by it in connection
          with
          its servicing activities hereunder and shall not be entitled to reimbursement
          therefor except as specifically provided for.

         

        Subsection 11.21 Statement
          as to Compliance.

         

        (1) The
          Seller will deliver to the Purchaser on or before March 15, 2006, an Officers’
Certificate stating, as to each signatory thereof, that (i) a review of the
          activities of the Seller during the preceding year and of performance under
          this
          Agreement has been made under such officers’ supervision and (ii) to the
          best of such officers’ knowledge, based on such review, the Seller has fulfilled
          all of its obligations under this Agreement throughout such year, or, if
          there
          has been a default in the fulfillment of any such obligation, specifying
          each
          such default known to such officer and the nature and status thereof. Copies
          of
          such statement shall be provided by the Purchaser to any Person identified
          as a
          prospective purchaser of the Mortgage Loans.

         

        (2) The
          Seller shall indemnify and hold harmless the master servicer, the depositor,
          the
          Purchaser (and if this Agreement has been assigned in whole or in part
          by the
          Purchaser, any and all Persons previously acting as “Purchaser” hereunder), and
          their respective officers, directors, agents and affiliates, and such
          affiliates’ officers, directors and agents (any such person, an “Indemnified
          Party”) from
          and against any losses, damages, penalties, fines, forfeitures, reasonable
          legal
          fees and related costs, judgments and other costs and expenses arising
          out of or
          based upon a breach by the Seller or any of its officers, directors, agents
          or
          affiliates of its obligations under this Section 11.21, Section 11.22,
          Section 11.23 or Section 11.30, or the negligence, bad faith or
          willful misconduct of the Seller in connection therewith. If the indemnification
          provided for herein is unavailable or insufficient to hold harmless any
          Indemnified Party, then the Seller agrees that it shall contribute to the
          amount
          paid or payable by the Indemnified Party as a result of the losses, claims,
          damages or liabilities of the Indemnified Party in such proportion as is
          appropriate to reflect the relative fault of the Indemnified Party on the
          one
          hand and the Seller in the other in connection with a breach of the Seller’s
          obligations under this Section 11.21, Section 11.22 or
          Section 11.23, or the Seller’s negligence, bad faith or willful misconduct
          in connection therewith.

         

        Subsection 11.22 Independent
          Public Accountants’ Servicing Report.

         

        On
          or
          before March 15, 2006, the Seller at its expense shall cause a firm of
          independent public accountants (which may also render other services to
          the
          Seller) which is a member of the American Institute of Certified Public
          Accountants to furnish a statement to the Purchaser or its designee to
          the
          effect that such firm has examined certain documents and records relating
          to the
          servicing of the Mortgage Loans under this Agreement or of Mortgage Loans
          under
          pooling and servicing agreements (including the Mortgage Loans and this
          Agreement) substantially similar one to another (such statement to have
          attached thereto a schedule setting forth the pooling and servicing agreements
          covered thereby) and that, on the basis of such examination conducted
          substantially in compliance with the Uniform Single Attestation Program
          for
          Mortgage Bankers, such firm confirms that such servicing has been conducted
          in
          compliance with such pooling and servicing agreements except for such
          significant exceptions or errors in records that, in the opinion of such
          firm,
          the Uniform Single Attestation Program for Mortgage Bankers requires it
          to
          report. Copies of such statement shall be provided by the Purchaser to
          any
          Person identified as a prospective purchaser of the Mortgage Loans.

         

        Subsection 11.23 Annual
          Statement as to Compliance.

         

        (1) `On
          or
          before March 15 of each year (or if not a Business Day, the immediately
          preceding Business Day), beginning on March 15, 2006, or at any other time
          upon
          thirty days written request, an officer of the Seller shall, if the Mortgage
          Loans are being master serviced by a master servicer in a securitization
          transaction, execute and deliver to such master servicer for the benefit
          of such
          master servicer and its officers, directors and affiliates a certification
          in
          the form of Exhibit 10 attached hereto.

         

        (2) The
          Seller shall indemnify and hold harmless the Initial Purchaser or its designee
          and their officers, directors, agents and affiliates from and against any
          losses, damages, penalties, fines, forfeitures, reasonable legal fees and
          related costs, judgments and other costs and expenses arising out of or
          based
          upon a breach by the Seller or any of its officers, directors, agents or
          affiliates of its obligations under this Section 11.23 or the negligence,
          bad faith or willful misconduct of the Seller in connection therewith.
          If the
          indemnification provided for herein is unavailable or insufficient to hold
          harmless the Initial Purchaser or its designee, then the Seller agrees
          that it
          shall contribute to the amount paid or payable by the Initial Purchaser
          or its
          designee as a result of the losses, claims, damages or liabilities of the
          Initial Purchaser or its designee in such proportion as is appropriate
          to
          reflect the relative fault of the Initial Purchaser or its designee on
          the one
          hand and the Seller on the other in connection with a breach of the Seller’s
          obligations under this Section 11.23 or the Seller’s negligence, bad faith
          or willful misconduct in connection therewith.

         

        Subsection 11.24 Notification
          of Adjustments.

         

        On
          each
          Adjustment Date, the Seller shall make interest rate adjustments for each
          Adjustable Rate Mortgage Loan in compliance with the requirements of the
          related
          Mortgage and Mortgage Note. The Seller shall execute and deliver the notices
          required by each Mortgage and Mortgage Note regarding interest rate adjustments.
          Upon the discovery by the Seller or the Purchaser that the Seller has failed
          to
          adjust a Mortgage Interest Rate or a Monthly Payment pursuant to the terms
          of
          the related Mortgage Note and Mortgage, the Seller shall (a) immediately
          deposit in the Custodial Account from its own funds the amount of any interest
          loss caused thereby without reimbursement therefor, or, (b) withdraw from
          the Custodial Account the amount of any interest overcharge previously
          passed
          through to the Purchaser.

         

        Subsection 11.25 Access
          to Certain Documentation.

         

        The
          Seller shall provide to the Office of Thrift Supervision, the FDIC and
          any other
          federal or state banking or insurance regulatory authority that may exercise
          authority over the Purchaser access to the documentation regarding the
          Mortgage
          Loans serviced by the Seller required by applicable laws and regulations.
          Such
          access shall be afforded without charge, but only upon reasonable request
          and
          during normal business hours at the offices of the Seller. In addition,
          access
          to the documentation will be provided to the Purchaser and any Person identified
          to the Seller by the Purchaser without charge, upon reasonable request
          during
          normal business hours at the offices of the Seller.

         

        Subsection 11.26 Reports
          and Returns to be Filed by the Seller.

         

        The
          Seller shall file information reports with respect to the receipt of mortgage
          interest received in a trade or business, reports of foreclosures and
          abandonments of any Mortgaged Property and information returns relating
          to
          cancellation of indebtedness income with respect to any Mortgaged Property
          as
          required by Sections 6050H, 6050J and 6050P of the Code. Such reports shall
          be in form and substance sufficient to meet the reporting requirements
          imposed
          by such Sections 6050H, 6050J and 6050P of the Code.

         

        Subsection 11.27 Real
          Estate Owned Reports.

         

        Together
          with the statement furnished pursuant to Section 11.13, with respect to any
          REO Property, the Seller shall furnish to the Purchaser a statement covering
          the
          Seller’s efforts in connection with the sale of such REO Property and any rental
          of such REO Property incidental to the sale thereof for the previous month,
          together with the operating statement. Such statement shall be accompanied
          by
          such other information as the Purchaser shall reasonably request.

         

        Subsection 11.28 Application
          of Buydown Funds.

         

        With
          respect to each Buydown Mortgage Loan, the Seller shall segregate and hold
          all
          Buydown Funds in the Custodial Account separate and apart from the Seller’s
          funds and general assets.

         

        With
          respect to each Buydown Mortgage Loan, the Seller shall have deposited
          into the
          Custodial Account, no later than the Closing Date, Buydown Funds in an
          amount
          equal to the aggregate undiscounted amount of payments that, when added
          to the
          amount the Mortgagor on such Mortgage Loan is obligated to pay on all Due
          Dates
          in accordance with the terms of the Buydown Agreement, is equal to the
          full
          scheduled Monthly Payments which are required to be paid by the Mortgagor
          under
          the terms of the related Mortgage Note (without regard to the related Buydown
          Agreement as if the Mortgage Loan were not subject to the terms of the
          Buydown
          Agreement). With respect to each Buydown Mortgage Loan, the Seller will
          distribute to the Purchaser on each Distribution Date an amount of Buydown
          Funds
          equal to the amount that, when added to the amount required to be paid
          on such
          date by the related Mortgagor, pursuant to and in accordance with the related
          Buydown Agreement, equals the full Monthly Payment that would otherwise
          be
          required to be paid on such Mortgage Loan by the related Mortgagor under
          the
          terms of the related Mortgage Note (as if the Mortgage Loan were not a
          Buydown
          Mortgage Loan and without regard to the related Buydown Agreement).

         

        If
          the
          Mortgagor on a Buydown Mortgage Loan defaults on such Mortgage Loan during
          the
          Buydown period and the Mortgaged Property securing such Buydown Mortgage
          Loan is
          sold in the liquidation thereof (either by the Seller or the insurer under
          any
          related Primary Insurance Policy) the Seller shall, on the Distribution
          Date following the date upon which Liquidation Proceeds or REO Disposition
          Proceeds are received with respect to any such Buydown Mortgage Loan, distribute
          to the Purchaser all remaining Buydown Funds for such Mortgage Loan then
          remaining in the Custodial Account. Pursuant to the terms of each Buydown
          Agreement, any amounts distributed to the Purchaser in accordance with
          the
          preceding sentence will be applied to reduce the outstanding principal
          balance
          of the related Buydown Mortgage Loan. If a Mortgagor on a Buydown Mortgage
          Loan
          prepays such Mortgage Loan in its entirety during the related Buydown Period,
          the Seller shall be required to withdraw from the Custodial Account any
          Buydown
          Funds remaining in the Custodial Account with respect to such Buydown Mortgage
          Loan in accordance with the related Buydown Agreement. If a Principal Prepayment
          by a Mortgagor on a Buydown Mortgage Loan during the related Buydown Period,
          together with any Buydown Funds then remaining in the Custodial Account
          related
          to such Buydown Mortgage Loan, would result in a Principal Prepayment in
          full,
          the Seller shall distribute to the Purchaser on the Distribution Date occurring
          in the month immediately succeeding the month in which such Principal Prepayment
          is received, all Buydown Funds related to such Mortgage Loan so remaining
          in the
          Custodial Account.

         

        Subsection 11.29 Superior
          Liens.

         

        With
          respect to each Second Lien Mortgage Loan, the Seller shall, for the protection
          of the Purchaser’s interest, file (or cause to be filed) of record a
          request for notice of any action by a superior lienholder where permitted
          by
          local law and whenever applicable state law does not require that a junior
          lienholder be named as a party defendant in foreclosure proceedings in
          order to
          foreclose such junior lienholder’s equity of redemption. The Seller shall also
          notify any superior lienholder in writing of the existence of the Mortgage
          Loan
          and request notification of any action (as described below) to be taken
          against the Mortgagor or the Mortgaged Property by the superior
          lienholder.

         

        If
          the
          Seller is notified that any superior lienholder has accelerated or intends
          to
          accelerate the obligations secured by the superior lien, or has declared
          or
          intends to declare a default under the superior mortgage or the promissory
          note
          secured thereby, or has filed or intends to file an election to have the
          Mortgaged Property sold or foreclosed, the Seller shall take whatever actions
          are necessary to protect the interests of the Purchaser, and/or to preserve
          the
          security of the related Mortgage Loan, subject to any requirements applicable
          to
          real estate mortgage investment conduits pursuant to the Code. The Seller
          shall
          make a Servicing Advance of the funds necessary to cure the default or
          reinstate
          the superior lien if the Seller determines that such Servicing Advance
          is in the
          best interests of the Purchaser. The Seller shall not make such a Servicing
          Advance except to the extent that it determines in its reasonable good
          faith
          judgment that such advance will be recoverable from Liquidation Proceeds
          on the
          related Mortgage Loan. The Seller shall thereafter take such action as
          is
          necessary to recover the amount so advanced.

         

        

        
          
            
            

          

          
            
            

            
              

            

          

          
            
            

          

        

         

        EXHIBIT
          10

         

        FORM
          OF
          BACK UP CERTIFICATION

         

        I,
          [identify certifying individual], certify to the [Initial Purchaser], [Mortgage
          Loan Seller] [Depositor], [Trustee], [Securities Administrator] and [Master
          Servicer] that:

         

        Based
          on
          my knowledge, the information in the Annual Statement of Compliance, the
          Annual
          Independent Public Accountant’s Servicing Report and all servicing reports,
          officer’s certificates and other information relating to the servicing of the
          Mortgage Loans taken as a whole, does not contain any untrue statement
          of a
          material fact or omit to state a material fact necessary to make the statements
          made, in light of the circumstances under which such statements were made,
          not
          misleading as of the date of this certification;

         

        The
          servicing information required to be provided by the Seller under this
          Servicing
          Agreement has been provided to the Initial Purchaser and the Master
          Servicer;

         

        I
          am
          responsible for reviewing the activities performed by the Seller under
          the
          Agreement and based upon the review required by the Agreement, and except
          as
          disclosed in the Annual Statement of Compliance or the Annual Independent
          Public
          Accountant’s Servicing Report and all servicing reports, officer’s certificates
          and other information relating to the servicing of the Mortgage Loans submitted
          to the Initial Purchaser or the Master Servicer, the Servicer has, the
          Seller
          has, as of the date of this certification fulfilled its obligations under
          the
          Agreement; and

         

        All
          significant deficiencies relating to the Servicer’s compliance with the minimum
          servicing standards for purposes of the report provided by an independent
          public
          accountant, after conducting a review conducted in compliance with the
          Uniform
          Single Attestation Program for Mortgage Bankers or similar procedure, as
          set
          forth in the Servicing Agreement, have been disclosed to such accountant
          and are
          included in such reports

         

        IN
          WITNESS WHEREOF, I have hereunto signed my name and affixed the seal of
          the
          Seller.

         

        

        
          	 	 	 	 	 	 	 	
                  By:

                	 
	 	 	 	 	 	 	 	
                  Name:

                	 
	 	 	 	 	 	 	 	
                  Title:

                	 

        

         

        

        

        

        
          
            
            

          

          
            
            

            
              

            

          

          
            
            

          

        

         

        EXHIBIT
          11

         

        [FORM
          OF
          OPINION OF COUNSEL TO SELLER]

         

        Goldman
          Sachs Mortgage Company

         

        [Address]

         

        	Re:  	
                Master
                  Mortgage Loan Purchase and Servicing Agreement, dated as of
                  November 1, 2005

              

         

        Gentlemen:

         

        I
          have
          acted as counsel to M&T Mortgage Corporation, a New York corporation (the
“Seller”),
          in
          connection with the sale of certain loans by the Seller to Goldman Sachs
          Mortgage Company (the “Purchaser”) pursuant
          to (i) a Master Mortgage Loan Purchase and Servicing Agreement, dated as of
          November 1, 2005, between the Seller and the Purchaser (the “Purchase
          Agreement”) [and
          the Commitment Letter, dated _____________ 200__, between the Seller and
          the
          Purchaser (the “Commitment
          Letter”)].
          Capitalized terms not otherwise defined herein have the meanings set forth
          in
          the Purchase Agreement.

         

        In
          connection with rendering this opinion letter, I, or attorneys working
          under my
          direction have examined, among other things, originals, certified copies
          or
          copies otherwise identified to my satisfaction as being true copies of
          the
          following:

         

        A. The
          Purchase Agreement;

         

        B. The
          Commitment Letter;

         

        C. The
          Seller’s Certificate of Incorporation and by laws, as amended to date;
          and

         

        D. Resolutions
          adopted by the Board of Directors of the Seller with specific reference
          to
          actions relating to the transactions covered by this opinion (the “Board
          Resolutions”).

         

        For
          the
          purpose of rendering this opinion, I have made such documentary, factual
          and
          legal examinations as I deemed necessary under the circumstances. As to
          factual
          matters, I have relied upon statements, certificates and other assurances
          of
          public officials and of officers and other representatives of the Seller,
          and
          upon such other certificates as I deemed appropriate, which factual matters
          have
          not been independently established or verified by me. I have also assumed,
          among
          other things, the genuineness of all signatures, the legal capacity of
          all
          natural persons, the authenticity of all documents submitted to me as originals,
          and the conformity to original documents of all documents submitted to
          me as
          copies and the authenticity of the originals of such copied
          documents.

         

        On
          the
          basis of and subject to the foregoing examination, and in reliance thereon,
          and
          subject to the assumptions, qualifications, exceptions and limitations
          expressed
          herein, I am of the opinion that:

         

        1. The
          Seller has been duly incorporated and is validly existing and in good standing
          under the laws of the State of New York with corporate power and authority
          to
          own its properties and conduct its business as presently conducted by it.
          The
          Seller has the corporate power and authority to service the Mortgage Loans,
          and
          to execute, deliver, and perform its obligations under the Purchase Agreement
          and the Commitment Letter (sometimes collectively, the “Agreements”).

         

        2. The
          Purchase Agreement and the Commitment Letter have been duly and validly
          authorized, executed and delivered by the Seller.

         

        3. The
          Purchase Agreement and the Commitment Letter constitute valid, legal and
          binding
          obligations of the Seller, enforceable against the Seller in accordance
          with
          their respective terms.

         

        4. No
          consent, approval, authorization or order of any state or federal court
          or
          government agency or body is required for the execution, delivery and
          performance by the Seller of the Purchase Agreement and the Commitment
          Letter,
          or the consummation of the transactions contemplated by the Purchase Agreement
          and the Commitment Letter, except for those consents, approvals, authorizations
          or orders which previously have been obtained.

         

        5. Neither
          the servicing of the Mortgage Loans by the Seller as provided in the Purchase
          Agreement and the Commitment Letter, nor the fulfillment of the terms of
          or the
          consummation of any other transactions contemplated in the Purchase Agreement
          will result in a breach of any term or provision of the certificate of
          incorporation or by laws of the Seller, or, to the best of my knowledge,
          will
          conflict with, result in a breach or violation of, or constitute a default
          under, (i) the terms of any indenture or other agreement or instrument
          known to me to which the Seller is a party or by which it is bound,
          (ii) any State of New York or federal statute or regulation applicable to
          the Seller, or (iii) any order of any State of New York or federal court,
          regulatory body, administrative agency or governmental body having jurisdiction
          over the Seller, except in any such case where the default, breach or violation
          would not have a material adverse effect on the Seller or its ability to
          perform
          its obligations under the Purchase Agreement and the Commitment
          Letter.

         

        6. There
          is
          no action, suit, proceeding or investigation pending or, to the best of
          my
          knowledge, threatened against the Seller which, in my judgment, either
          in any
          one instance or in the aggregate, would draw into question the validity
          of the
          Purchase Agreement [or the Commitment Letter] or which would be likely
          to impair
          materially the ability of the Seller to perform under the terms of the
          Purchase
          Agreement or the Commitment Letter.

         

        7. The
          sale
          of each Mortgage Note and Mortgage as and in the manner contemplated by
          the
          Purchase Agreement is sufficient fully to transfer to the Purchaser all
          right,
          title and interest of the Seller thereto as noteholder and
          mortgagee.

         

        8. The
          Assignments of Mortgage are in recordable form and upon completion will
          be
          acceptable for recording under the laws of each applicable state. When
          endorsed,
          as provided in the Purchase Agreement, the Mortgage Notes will be duly
          endorsed
          under applicable law.

         

        The
          opinions above are subject to the following additional assumptions, exceptions,
          qualifications and limitations:

         

        A. I
          have
          assumed that all parties to the Agreements other than the Seller have all
          requisite power and authority to execute, deliver and perform their respective
          obligations under each of the Agreements, and that the Agreements have
          been duly
          authorized by all necessary corporate action on the part of such parties,
          have
          been executed and delivered by such parties and constitute the legal, valid
          and
          binding obligations of such parties.

         

        B. My
          opinion expressed in paragraphs 3 and 7 above is subject to the qualifications
          that (i) the enforceability of the Agreements may be limited by the effect
          of laws relating to (1) bankruptcy, reorganization, insolvency, moratorium
          or other similar laws now or hereafter in effect relating to creditors’ rights
          generally, including, without limitation, the effect of statutory or other
          laws
          regarding fraudulent conveyances or preferential transfers, and (2) general
          principles of equity upon the specific enforceability of any of the remedies,
          covenants or other provisions of the Agreements and upon the availability
          of
          injunctive relief or other equitable remedies and the application of principles
          of equity (regardless of whether such enforceability is considered in a
          proceeding in equity or at law) as such principles relate to, limit or
          affect the enforcement of creditors’ rights generally and the discretion of the
          court before which any proceeding for such enforcement may be brought;
          and
          (ii) I express no opinion herein with respect to the validity, legality,
          binding effect or enforceability of (a) provisions for indemnification in
          the Agreements to the extent such provisions may be held to be unenforceable
          as
          contrary to public policy or (b) Section 17 of the Purchase
          Agreement.

         

        C. I
          have
          assumed, without independent check or certification, that there are no
          agreements or understandings among the Seller, the Purchaser and any other
          party
          which would expand, modify or otherwise affect the terms of the documents
          described herein or the respective rights or obligations of the parties
          thereunder.

         

        I
          am
          admitted to practice in the State of New York and I render no opinion herein
          as
          to matters involving the laws of any jurisdiction other than the State
          of New
          York and the Federal laws of the United States of America.

         

        This
          opinion is given to you for your sole benefit, and no other person or entity
          is
          entitled to rely hereon except that the Purchaser or purchasers to which
          you
          initially and directly resell the Mortgage Loans may rely on this opinion
          as if
          it were addressed to them as of its date.

         

        Very
          truly yours,

        

        

        
          
            
            

          

          
            
            

            
              

            

          

          
            
            

          

        

         

        EXHIBIT
          12

         

        FORM
          OF
          INDEMNIFICATION AGREEMENT

         

        THIS
          INDEMNIFICATION AGREEMENT dated [_______], 200___ (“Agreement”) between
          GS Mortgage Securities Corp., a Delaware corporation (the “Depositor”),
          Goldman Sachs Mortgage Company (“GSMC”) and
          M&T Mortgage Corporation, a [_________] corporation (the “Seller”).

         

        W
          I T N E
          S S E T H:

         

        WHEREAS,
          the Seller and GSMC are parties to the Purchase Agreement (as defined herein);
          and

         

        WHEREAS,
          the Seller or its Affiliate originated or acquired the Mortgage Loans and
          subsequently sold the Mortgage Loans to GSMC in anticipation of the
          securitization transaction;

         

        NOW,
          THEREFORE, in consideration of the foregoing and of other good and valuable
          consideration, the receipt and sufficiency of which are hereby acknowledged,
          the
          parties hereto agree as follows:

         

        SECTION 1. DEFINITIONS

         

        Subsection 1.01 Certain
          Defined Terms.
          The
          following terms shall have the meanings set forth below, unless the context
          clearly indicates otherwise:

         

        1933
          Act:
          The
          Securities Act of 1933, as amended.

         

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

         

        Agreement:
          This
          Indemnification Agreement, as the same may be amended in accordance with
          the
          terms hereof.

         

        Certificate
          Purchase Agreement:
          The
          Certificate Purchase Agreement, dated as of [______], 200___, [among] the
          Depositor and the Initial Purchaser[s], relating to the Privately Offered
          Certificates.

         

        Depositor
          Information:
          All
          information in the Prospectus Supplement other than the Seller
          Information.

         

        Free
          Writing Prospectus:
          Any
          written communication that constitutes a “free writing prospectus,” as defined
          in Rule 405 under the 1933 Act.

         

        GSMC:
          Goldman
          Sachs Mortgage Company, a New York limited partnership, and its successors
          and
          assigns.

         

        Offering
          Circular:
          The
          offering circular, dated [_______], 200___, relating to the private offering
          of
          the Privately Offered Certificates.

         

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

         

        Pooling
          and Servicing Agreement:
          The
          Pooling and Servicing Agreement, dated as of [_______], 200___, among the
          Depositor, the [_____], [Servicer], as servicer, and [Trustee], as
          trustee.

         

        Privately
          Offered Certificates:
          [__________________], issued pursuant to the Pooling and Servicing
          Agreement.

         

        Prospectus
          Supplement:
          The
          prospectus supplement, dated [______], 200___, relating to the public offering
          of the Publicly Offered Certificates.

         

        Publicly
          Offered Certificates:
          [______________________________], issued pursuant to the Pooling and Servicing
          Agreement.

         

        Purchase
          Agreement:
          The
          Master Mortgage Loan Purchase and Servicing Agreement, dated as of
          November 1, 2005, by and between Goldman Sachs Mortgage Company and M&T
          Mortgage Corporation.

         

        Seller
          Information:
          (a) All information in the Prospectus Supplement, the Offering Circular or
          any Free Writing Prospectus or any amendment or supplement thereto,
          (i) contained under the headings [“Transaction Overview—Parties—The
          Responsible Party”] and [“The Mortgage Loan Pool—Underwriting Guidelines”] and
          (ii) regarding the Mortgage Loans, the related Mortgagors and/or the
          related Mortgaged Properties (but in the case of this clause (ii), only
          to the
          extent any untrue statement or omission or alleged untrue statement or
          omission
          arises from or is based upon errors or omissions in the information concerning
          the Mortgage Loans, the related Mortgagors and/or the related Mortgaged
          Properties, as applicable, provided to the Depositor or any Affiliate thereof
          by
          or on behalf of the Seller or any Affiliate thereof), and (b) [and static
          pool information regarding mortgage loans originated or acquired by the
          Seller
          [and included in the Prospectus Supplement, the Offering Circular or the
          Free
          Writing Prospectus] [incorporated by reference from the website located
          at
          ______________].

         

        Underwriters:
          Goldman, Sachs & Co., a New York limited partnership[, and [____________], a
          [___________] corporation], and their successors and assigns.

         

        Underwriting
          Agreement:
          The
          Underwriting Agreement, dated as of [________], 200__, [among] the Depositor
          and
          the Underwriter[s], relating to the Publicly Offered Certificates.

         

        Other
          Terms.
          Capitalized terms used but not defined herein shall have the meanings assigned
          to such terms in the Pooling and Servicing Agreement.

         

        SECTION 2. REPRESENTATIONS
          AND WARRANTIES. Each party hereto represents and warrants that:

         

        (a)  it
          has
          all requisite corporate power and authority to execute, deliver and perform
          its
          obligations under this Agreement;

         

        (b)  this
          Agreement has been duly authorized, executed and delivered by such party;
          and

         

        (c)  assuming
          the due authorization, execution and delivery by each other party hereto,
          this
          Agreement constitutes the legal, valid and binding obligation of such
          party.

         

        SECTION 3.INDEMNIFICATION

         

        Subsection 3.01 Indemnification.

         

        (a)  The
          Seller shall indemnify and hold harmless the Depositor, .GSMC, [each of]
          the
          Underwriter[s], the Initial Purchaser[s], and their respective Affiliates
          and
          their respective present and former directors, officers, partners and each
          Person, if any, that controls the Depositor, GSMC, such Underwriter, such
          Initial Purchaser, or such Affiliate, within the meaning of either the
          1933 Act
          or the 1934 Act against any and all losses, claims, damages, penalties,
          fines,
          forfeitures, or liabilities, joint or several, to which each such indemnified
          party may become subject, under the 1933 Act, the 1934 Act or otherwise,
          to the
          extent that such losses, claims, damages, penalties, fines, forfeitures,
          or
          liabilities (or actions in respect thereof) arise out of or are based upon
          any untrue statement or alleged untrue statement of any material fact contained
          in the Prospectus Supplement, the Offering Circular, any Free Writing Prospectus
          or any amendment or supplement thereto, or arise out of or are based upon
          the
          omission or alleged omission to state therein a material fact required
          to be
          stated therein or necessary to make the statements therein, in light of
          the
          circumstances in which they were made, not misleading, to the extent that
          such
          untrue statement or alleged untrue statement or omission or alleged omission
          relates to information set forth in the Seller Information, and the Seller
          shall
          in each case reimburse each indemnified party for any legal or other expenses
          reasonably incurred by such indemnified party in connection with investigating
          or defending any such loss, claim, damage, liability, penalties, fines,
          forfeitures, or action. The indemnifying party’s liability under this
          Section 3.01 shall be in addition to any other liability that the
          indemnifying party may otherwise have.

         

        (b)  GSMC
          shall indemnify and hold harmless Seller and its .directors, officers,
          partners
          and each Person, if any, that controls Seller, within the meaning of either
          the
          1933 Act or the 1934 Act, against any and all losses, claims, damages,
          penalties, fines, forfeitures or liabilities to which Seller or any such
          director, officer, partner or controlling Person may become subject, under
          the
          1933 Act, the 1934 Act or otherwise, to the extent that such losses, claims,
          damages, penalties, fines, forfeitures or liabilities (or actions in respect
          thereof) arise out of or are based upon any untrue statement or alleged
          untrue statement of any material fact, or arise out of or are based upon
          the
          omission or alleged omission to state therein a material fact required
          to be
          stated therein or necessary to make the statements therein, in light of
          the
          circumstances in which they were made, not misleading, but only to the
          extent
          that such untrue statement or alleged untrue statement or omission or alleged
          omission relates to information set forth in the Depositor Information,
          and GSMC
          shall in each case reimburse Seller and each such director, officer, partner
          or
          controlling Person for any legal or other expenses reasonably incurred
          by
          Seller, and each such director, officer or controlling Person, in connection
          with investigating or defending any such loss, claim, damage, liability,
          penalties, fines, forfeitures or action, as such expenses are incurred.
          GSMC’s
          liability under this Subsection 3.01 shall be in addition to any other
          liability that GSMC may otherwise have. 

         

        (c)  If
          the
          indemnification provided for in this Section 3.01 shall for any reason be
          unavailable to an indemnified party under this Section 3.01, then the party
          which would otherwise be obligated to indemnify with respect thereto, on
          the one
          hand, and the parties which would otherwise be entitled to be indemnified,
          on
          the other hand, shall contribute to the aggregate losses, liabilities,
          claims,
          damages and expenses of the nature contemplated herein and incurred by
          the
          parties hereto in such proportions that are appropriate to reflect the
          relative
          fault of each party, in connection with the applicable misstatements or
          omissions as well as any other relevant equitable considerations.
          Notwithstanding the foregoing, no Person guilty of fraudulent misrepresentation
          (within the meaning of Section 11(f) of the 1933 Act) shall be
          entitled to contribution from any Person that was not guilty of such fraudulent
          misrepresentation. For purposes of this Section 3.01, each director,
          officer, partner and controlling Person, of the Seller, the Depositor,
          GSMC, the
          Underwriter[s] and the Initial Purchaser[s] and their respective Affiliates
          shall have the same rights to contribution as such Person.

         

        Subsection 3.02 Notification;
          Procedural Matters.
          Promptly after receipt by an indemnified party under Section 3.01 of notice
          of any claim or the commencement of any action, such indemnified party
          shall, if
          a claim in respect thereof is to be made against the indemnifying party
          under
          Section 3.01, notify the indemnifying party (or other contributing
          party) in writing of the claim or the commencement of such action;
          provided, however, that the failure to notify the indemnifying party (or
          other
          contributing party) shall not relieve it from any liability which it may
          have under Section 3.01 except to the extent it has been materially
          prejudiced by such failure; and provided further, however, that the failure
          to
          notify the indemnifying party shall not relieve it from any liability which
          it
          may have to any indemnified party otherwise than under Section 3.01. In
          case any such action is brought against any indemnified party and it notifies
          the indemnifying party of the commencement thereof, the indemnifying party
          shall
          be entitled to participate therein and, to the extent that, by written
          notice
          delivered to the indemnified party promptly after receiving the aforesaid
          notice
          from such indemnified party, the indemnifying party elects to assume the
          defense
          thereof, it may participate with counsel reasonably satisfactory to such
          indemnified party; provided, however, that if the defendants in any such
          action
          include both the indemnified party and the indemnifying party and the
          indemnified party or parties shall reasonably have concluded that there
          may be
          legal defenses available to it or them and/or other indemnified parties
          that are
          different from or additional to those available to the indemnifying party,
          the
          indemnified party or parties shall have the right to select separate counsel
          to
          assert such legal defenses and to otherwise participate in the defense
          of such
          action on behalf of such indemnified party or parties. Upon receipt of
          notice
          from the indemnifying party to such indemnified party of its election so
          to
          assume the defense of such action and approval by the indemnified party
          of such
          counsel, the indemnifying party shall not be liable to such indemnified
          party
          under this paragraph for any legal or other expenses subsequently incurred
          by
          such indemnified party in connection with the defense thereof, unless
          (i) the indemnified party shall have employed separate counsel (plus any
          local counsel) in connection with the assertion of legal defenses in
          accordance with the proviso to the immediately preceding sentence, (ii) the
          indemnifying party shall not have employed counsel reasonably satisfactory
          to
          the indemnified party to represent the indemnified party within a reasonable
          time after notice of commencement of the action or (iii) the indemnifying
          party shall have authorized the employment of counsel for the indemnified
          party
          at the expense of the indemnifying party. No party shall be liable for
          contribution with respect to any action or claim settled without its consent,
          which consent shall not be unreasonably withheld. In no event shall the
          indemnifying party be liable for the fees and expenses of more than one
          counsel
          representing the indemnified parties (in addition to any local
          counsel) separate from its own counsel for all indemnified parties in
          connection with any one action or separate but similar or related actions
          in the
          same jurisdiction arising out of the same general allegations or
          circumstances.

         

        SECTION 4. GENERAL.

         

        Subsection 4.01 Survival.
          This
          Agreement and the obligations of the parties hereunder shall survive the
          purchase and sale of the Publicly Offered Certificates and the Privately
          Offered
          Certificates.

         

        Subsection 4.02 Successors.
          This
          Agreement shall inure to the benefit of and be binding upon the parties
          hereto,
          each indemnified party and their respective successors and assigns, and
          no other
          Person shall have any right or obligation hereunder.

         

        Subsection 4.03 Applicable
          Law.
          This
          Agreement shall be governed by and construed in accordance with the laws
          of the
          State of New York without giving effect to principles of conflict of
          laws.

         

        Subsection 4.04 Miscellaneous.
          Neither
          this Agreement nor any term hereof may be changed, waived, discharged or
          terminated except by a writing signed by the party against which enforcement
          of
          such change, waiver, discharge or termination is sought. This Agreement
          may be
          signed in any number of counterparts, each of which shall be deemed an
          original,
          which taken together shall constitute one and the same instrument.

         

        Subsection 4.05 Notices.
          All
          communications hereunder shall be in writing and shall be deemed to have
          been
          duly given when delivered to (a) in the case of the Depositor, GSMC, the
          Underwriter[s], or the Initial Purchaser[s], GS Mortgage Securities Corp.,
          Goldman Sachs Mortgage Company or Goldman, Sachs & Co. c/o Goldman, Sachs
& Co., 85 Broad Street, New York, New York 10004, Attention: Principal
          Finance Group/Christopher M. Gething, and (b) in the case of the Seller:
          [______________], [Address], Attention: [____________].

         

        Subsection 4.06 Submission
          To Jurisdiction; Waivers.
          The
          Seller hereby irrevocably and unconditionally:

         

        (A) SUBMITS
          FOR ITSELF AND ITS PROPERTY IN ANY LEGAL ACTION OR PROCEEDING RELATING
          TO THIS
          AGREEMENT, OR FOR RECOGNITION AND ENFORCEMENT OF ANY JUDGMENT IN RESPECT
          THEREOF, TO THE NON-EXCLUSIVE GENERAL JURISDICTION OF THE COURTS OF THE
          STATE OF
          NEW YORK, THE FEDERAL COURTS OF THE UNITED STATES OF AMERICA FOR THE SOUTHERN
          DISTRICT OF NEW YORK, AND APPELLATE COURTS FROM ANY THEREOF;

         

        (B) CONSENTS
          THAT ANY SUCH ACTION OR PROCEEDING MAY BE BROUGHT IN SUCH COURTS AND, TO
          THE
          EXTENT PERMITTED BY LAW, WAIVES ANY OBJECTION THAT IT MAY NOW OR HEREAFTER
          HAVE
          TO THE VENUE OF ANY SUCH ACTION OR PROCEEDING IN ANY SUCH COURT OR THAT
          SUCH
          ACTION OR PROCEEDING WAS BROUGHT IN AN INCONVENIENT COURT AND AGREES NOT
          TO
          PLEAD OR CLAIM THE SAME;

         

        (C) AGREES
          THAT SERVICE OF PROCESS IN ANY SUCH ACTION OR PROCEEDING MAY BE EFFECTED
          BY
          MAILING A COPY THEREOF BY REGISTERED OR CERTIFIED MAIL (OR ANY SUBSTANTIALLY
          SIMILAR FORM OF MAIL), POSTAGE PREPAID, TO ITS ADDRESS SET FORTH HEREIN
          OR AT
          SUCH OTHER ADDRESS OF WHICH THE DEPOSITOR SHALL HAVE BEEN NOTIFIED;
          AND

         

        (D) AGREES
          THAT NOTHING HEREIN SHALL AFFECT THE RIGHT TO EFFECT SERVICE OF PROCESS
          IN ANY
          OTHER MANNER PERMITTED BY LAW OR SHALL LIMIT THE RIGHT TO SUE IN ANY OTHER
          JURISDICTION.

         

        [SIGNATURE
          PAGE FOLLOWS]

        

        

        
          
            
            

          

          
            
            

            
              

            

          

          
            
            

          

        

         

        IN
          WITNESS WHEREOF, the parties have executed this Agreement by their duly
          authorized officers as of the date first above written.

         

        

        
          	 	 	 	 	 	 	 	
                  GS
                    MORTGAGE SECURITIES CORP.

                
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
                  By:

                	 
	 	 	 	 	 	 	 	
                  Name:

                	 
	 	 	 	 	 	 	 	
                  Title:

                	 

        

         

        

        
          	 	 	 	 	 	 	 	
                  M&T
                    MORTGAGE CORPORATION

                
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
                  By:

                	 
	 	 	 	 	 	 	 	
                  Name:

                	 
	 	 	 	 	 	 	 	
                  Title:

                	 

        

         

        

        

        

        
          
            
            

          

          
            
            

            
              

            

          

          
            
            

          

        

         

        EXHIBIT
          13

         

        FORM
          OF
          ANNUAL CERTIFICATION

         

        	Re:  	
                The
                  [ ] agreement dated as of [ ], 200[_] (the “Agreement”),
                  among [IDENTIFY PARTIES]

              

         

        I,
          ________________________________, the _______________________ of [NAME
          OF
          COMPANY], certify to [the Purchaser], [the Depositor], and the [Master
          Servicer]
          [Securities Administrator] [Trustee], and their officers, with the knowledge
          and
          intent that they will rely upon this certification, that:

         

        (1)  I
          have
          reviewed the servicer compliance statement of the Company provided in accordance
          with Item 1123 of Regulation AB (the “Compliance
          Statement”),
          the
          report on assessment of the Company’s compliance with the servicing criteria set
          forth in Item 1122(d) of Regulation AB (the “Servicing
          Criteria”),
          provided in accordance with Rules 13a-18 and 15d-18 under Securities Exchange
          Act of 1934, as amended (the “Exchange
          Act”) and
          Item 1122 of Regulation AB (the “Servicing
          Assessment”),
          the
          registered public accounting firm’s attestation report provided in accordance
          with Rules 13a-18 and 15d-18 under the Exchange Act and
          Section 1122(b) of Regulation AB (the “Attestation
          Report”),
          and
          all servicing reports, officer’s certificates and other information relating to
          the servicing of the Mortgage Loans by the Company during 200[_] that were
          delivered by the Company to the [Depositor] [Master Servicer] [Securities
          Administrator] [Trustee] pursuant to the Agreement (collectively, the
“Company
          Servicing Information”);

         

        (2)  Based
          on
          my knowledge, the Company Servicing Information, taken as a whole, does
          not
          contain any untrue statement of a material fact or omit to state a material
          fact
          necessary to make the statements made, in the light of the circumstances
          under
          which such statements were made, not misleading with respect to the period
          of
          time covered by the Company Servicing Information;

         

        (3)  Based
          on
          my knowledge, all of the Company Servicing Information required to be provided
          by the Company under the Agreement has been provided to the [Depositor]
          [Master
          Servicer] [Securities Administrator] [Trustee];

         

        (4)  I
          am
          responsible for reviewing the activities performed by the Company as servicer
          under the Agreement, and based on my knowledge and the compliance review
          conducted in preparing the Compliance Statement and except as disclosed
          in the
          Compliance Statement, the Servicing Assessment or the Attestation Report,
          the
          Company has fulfilled its obligations under the Agreement; and

         

        (5)  The
          Compliance Statement required to be delivered by the Company pursuant to
          this
          Agreement, and the Servicing Assessment and Attestation Report required
          to be
          provided by the Company and by each Subcontractor pursuant to the Agreement,
          have been provided to the [Depositor] [Master Servicer]. Any material instances
          of noncompliance described in such reports have been disclosed to the
          [Depositor] [Master Servicer]. Any material instance of noncompliance with
          the
          Servicing Criteria has been disclosed in such reports.

         

        

        
          	 	 	 	 	 	 	 	
                  Date:

                	 
	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
                  By:

                	 
	 	 	 	 	 	 	 	
                  Name:

                	 
	 	 	 	 	 	 	 	
                  Title:

                	 

        

         

        

        

        

        
          
            
            

          

          
            
            

            
              

            

          

          
            
            

          

        

         

        EXHIBIT
          14

         

        SERVICING
          CRITERIA TO BE ADDRESSED IN ASSESSMENT OF COMPLIANCE

         

        The
          assessment of compliance to be delivered by [the Company] [Name of Subservicer]
          shall address, at a minimum, the criteria identified as below as “Applicable
          Servicing Criteria”:

         

        

        
          	
                  Servicing
                    Criteria 

                	
                  Applicable
                    Servicing Criteria

                
	
                  Reference

                	
                  Criteria

                	
                   

                
	
                   

                	
                  General
                    Servicing Considerations

                	
                   

                
	
                  1122(d)(1)(i)

                	
                  Policies
                    and procedures are instituted to monitor any performance or other
                    triggers
                    and events of default in accordance with the transaction
                    agreements.

                	 
	
                  1122(d)(1)(ii)

                	
                  If
                    any material servicing activities are outsourced to third parties,
                    policies and procedures are instituted to monitor the third party’s
                    performance and compliance with such servicing activities.

                	 
	
                  1122(d)(1)(iii)

                	
                  Any
                    requirements in the transaction agreements to maintain a back-up
                    servicer
                    for the mortgage loans are maintained.

                	 
	
                  1122(d)(1)(iv)

                	
                  A
                    fidelity bond and errors and omissions policy is in effect on
                    the party
                    participating in the servicing function throughout the reporting
                    period in
                    the amount of coverage required by and otherwise in accordance
                    with the
                    terms of the transaction agreements.

                	 
	
                   

                	
                  Cash
                    Collection and Administration

                	 
	
                  1122(d)(2)(i)

                	
                  Payments
                    on mortgage loans are deposited into the appropriate custodial
                    bank
                    accounts and related bank clearing accounts no more than two
                    business days
                    following receipt, or such other number of days specified in
                    the
                    transaction agreements.

                	 
	
                  1122(d)(2)(ii)

                	
                  Disbursements
                    made via wire transfer on behalf of an obligor or to an investor
                    are made
                    only by authorized personnel.

                	 
	
                  1122(d)(2)(iii)

                	
                  Advances
                    of funds or guarantees regarding collections, cash flows or distributions,
                    and any interest or other fees charged for such advances, are
                    made,
                    reviewed and approved as specified in the transaction
                    agreements.

                	 
	
                  1122(d)(2)(iv)

                	
                  The
                    related accounts for the transaction, such as cash reserve accounts
                    or
                    accounts established as a form of overcollateralization, are
                    separately
                    maintained (e.g., with respect to commingling of cash) as set
                    forth in the
                    transaction agreements.

                	 
	
                  1122(d)(2)(v)

                	
                  Each
                    custodial account is maintained at a federally insured depository
                    institution as set forth in the transaction agreements. For purposes
                    of
                    this criterion, “federally insured depository institution” with respect to
                    a foreign financial institution means a foreign financial institution
                    that
                    meets the requirements of Rule 13k-1(b)(1) of the Securities
                    Exchange
                    Act.

                	 
	
                  1122(d)(2)(vi)

                	
                  Unissued
                    checks are safeguarded so as to prevent unauthorized
                    access.

                	 
	
                  1122(d)(2)(vii)

                	
                  Reconciliations
                    are prepared on a monthly basis for all asset-backed securities
                    related
                    bank accounts, including custodial accounts and related bank
                    clearing
                    accounts. These reconciliations are (A) mathematically accurate;
                    (B)
                    prepared within 30 calendar days after the bank statement cutoff
                    date, or
                    such other number of days specified in the transaction agreements;
                    (C)
                    reviewed and approved by someone other than the person who prepared
                    the
                    reconciliation; and (D) contain explanations for reconciling
                    items. These
                    reconciling items are resolved within 90 calendar days of their
                    original
                    identification, or such other number of days specified in the
                    transaction
                    agreements.

                	 
	
                   

                	
                  Investor
                    Remittances and Reporting

                	 
	
                  1122(d)(3)(i)

                	
                  Reports
                    to investors, including those to be filed with the Commission,
                    are
                    maintained in accordance with the transaction agreements and
                    applicable
                    Commission requirements. Specifically, such reports (A) are prepared
                    in
                    accordance with timeframes and other terms set forth in the transaction
                    agreements; (B) provide information calculated in accordance
                    with the
                    terms specified in the transaction agreements; (C) are filed
                    with the
                    Commission as required by its rules and regulations; and (D)
                    agree with
                    investors’ or the trustee’s records as to the total unpaid principal
                    balance and number of mortgage loans serviced by the
                    Servicer.

                	 
	
                  1122(d)(3)(ii)

                	
                  Amounts
                    due to investors are allocated and remitted in accordance with
                    timeframes,
                    distribution priority and other terms set forth in the transaction
                    agreements.

                	 
	
                  1122(d)(3)(iii)

                	
                  Disbursements
                    made to an investor are posted within two business days to the
                    Servicer’s
                    investor records, or such other number of days specified in the
                    transaction agreements.

                	 
	
                  1122(d)(3)(iv)

                	
                  Amounts
                    remitted to investors per the investor reports agree with cancelled
                    checks, or other form of payment, or custodial bank
                    statements.

                	 
	
                   

                	
                  Pool
                    Asset Administration

                	 
	
                  1122(d)(4)(i)

                	
                  Collateral
                    or security on mortgage loans is maintained as required by the
                    transaction
                    agreements or related mortgage loan documents.

                	 
	
                  1122(d)(4)(ii)

                	
                  Mortgage
                    loan and related documents are safeguarded as required by the
                    transaction
                    agreements

                	 
	
                  1122(d)(4)(iii)

                	
                  Any
                    additions, removals or substitutions to the asset pool are made,
                    reviewed
                    and approved in accordance with any conditions or requirements
                    in the
                    transaction agreements.

                	 
	
                  1122(d)(4)(iv)

                	
                  Payments
                    on mortgage loans, including any payoffs, made in accordance
                    with the
                    related mortgage loan documents are posted to the Servicer’s obligor
                    records maintained no more than two business days after receipt,
                    or such
                    other number of days specified in the transaction agreements,
                    and
                    allocated to principal, interest or other items (e.g., escrow)
                    in
                    accordance with the related mortgage loan documents.

                	 
	
                  1122(d)(4)(v)

                	
                  The
                    Servicer’s records regarding the mortgage loans agree with the Servicer’s
                    records with respect to an obligor’s unpaid principal
                    balance.

                	 
	
                  1122(d)(4)(vi)

                	
                  Changes
                    with respect to the terms or status of an obligor's mortgage
                    loans (e.g.,
                    loan modifications or re-agings) are made, reviewed and approved
                    by
                    authorized personnel in accordance with the transaction agreements
                    and
                    related pool asset documents.

                	 
	
                  1122(d)(4)(vii)

                	
                  Loss
                    mitigation or recovery actions (e.g., forbearance plans, modifications
                    and
                    deeds in lieu of foreclosure, foreclosures and repossessions,
                    as
                    applicable) are initiated, conducted and concluded in accordance
                    with the
                    timeframes or other requirements established by the transaction
                    agreements.

                	 
	
                  1122(d)(4)(viii)

                	
                  Records
                    documenting collection efforts are maintained during the period
                    a mortgage
                    loan is delinquent in accordance with the transaction agreements.
                    Such
                    records are maintained on at least a monthly basis, or such other
                    period
                    specified in the transaction agreements, and describe the entity’s
                    activities in monitoring delinquent mortgage loans including,
                    for example,
                    phone calls, letters and payment rescheduling plans in cases
                    where
                    delinquency is deemed temporary (e.g., illness or
                    unemployment).

                	 
	
                  1122(d)(4)(ix)

                	
                  Adjustments
                    to interest rates or rates of return for mortgage loans with
                    variable
                    rates are computed based on the related mortgage loan
                    documents.

                	 
	
                  1122(d)(4)(x)

                	
                  Regarding
                    any funds held in trust for an obligor (such as escrow accounts):
                    (A) such
                    funds are analyzed, in accordance with the obligor’s mortgage loan
                    documents, on at least an annual basis, or such other period
                    specified in
                    the transaction agreements; (B) interest on such funds is paid,
                    or
                    credited, to obligors in accordance with applicable mortgage
                    loan
                    documents and state laws; and (C) such funds are returned to
                    the obligor
                    within 30 calendar days of full repayment of the related mortgage
                    loans,
                    or such other number of days specified in the transaction
                    agreements.

                	 
	
                  1122(d)(4)(xi)

                	
                  Payments
                    made on behalf of an obligor (such as tax or insurance payments)
                    are made
                    on or before the related penalty or expiration dates, as indicated
                    on the
                    appropriate bills or notices for such payments, provided that
                    such support
                    has been received by the servicer at least 30 calendar days prior
                    to these
                    dates, or such other number of days specified in the transaction
                    agreements.

                	 
	
                  1122(d)(4)(xii)

                	
                  Any
                    late payment penalties in connection with any payment to be made
                    on behalf
                    of an obligor are paid from the servicer’s funds and not charged to the
                    obligor, unless the late payment was due to the obligor’s error or
                    omission.

                	 
	
                  1122(d)(4)(xiii)

                	
                  Disbursements
                    made on behalf of an obligor are posted within two business days
                    to the
                    obligor’s records maintained by the servicer, or such other number of
                    days
                    specified in the transaction agreements.

                	 
	
                  1122(d)(4)(xiv)

                	
                  Delinquencies,
                    charge-offs and uncollectible accounts are recognized and recorded
                    in
                    accordance with the transaction agreements.

                	 
	
                  1122(d)(4)(xv)

                	
                  Any
                    external enhancement or other support, identified in Item 1114(a)(1)
                    through (3) or Item 1115 of Regulation AB, is maintained as set forth
                    in the transaction agreements.

                	 

        

        

        

        

        

        
          	 	 	 	 	 	 	 	
                  [NAME
                    OF COMPANY] [NAME OF SUBSERVICER]

                
	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
                  Date:

                	 
	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
                  By:

                	 
	 	 	 	 	 	 	 	
                  Name:

                	 
	 	 	 	 	 	 	 	
                  Title:

                	 

        

         

        

        

        

        
          
            
            

          

          
            
            

            
              

            

          

          
            
            

          

        

         

        EXHIBIT
          15

         

        INFORMATION
          TO BE INCLUDED IN MONTHLY REMITTANCE ADVICE

         

        Loan
          number;

        Servicer
          loan number;

        Borrower
          name;

        Scheduled
          payment amount;

        Note
          interest rate;

        Net
          rate;

        Servicing
          fee rate;

        New
          payment amount;

        New
          loan
          rate;

        ARM
          index
          rate;

        Actual
          beginning balance;

        Actual
          ending balance;

        Next
          due
          date;

        Curtailment
          amount 1;

        Curtailment
          date 1;

        Curtailment
          adjustment amount 1;

        Curtailment
          amount 2;

        Curtailment
          date 2;

        Curtailment
          adjustment amount 2;

        Curtailment
          amount 3;

        Curtailment
          date 3;

        Curtailment
          adjustment amount 3;

        Scheduled
          beginning balance;

        Scheduled
          ending balance;

        Scheduled
          principal balance;

        Scheduled
          net amount;

        Liquidation
          amount;

        PIF
          date;

        Action
          code;

        Principal
          adjustment date;

        Interest
          adjustment date;

        Prepayment
          Charge amount;

        Soldier
          and sailor adjustment amount;

        Non-adv
          loan amount; and

        CAT.

        

        

        
          
            
            

          

          
            
            

            
              

            

          

          
            
            

          

        

         

        EXHIBIT
          16

         

        REPORTING
          REQUIREMENTS

         

        (Pursuant
          to Section 11.15 of the Agreement, the Seller shall deliver the information
          in
          this Exhibit 16 in .csv format.)

         

        LOAN
          NUMBER

        INVESTOR
          ID

        INVESTOR
          NAME

        INVESTOR
          LOAN NUMBER

        MORTGAGOR
          LAST NAME

        MORTGAGOR
          FIRST NAME

        NEXT
          PAYMENT DUE DATE

        FIRST
          PRINCIPAL BALANCE

        FIRST
          P
          AND I AMOUNT

        T
          AND I
          MONTHLY AMOUNT

        LOAN
          MATURES DATE

        ANNUAL
          INTEREST RATE

        RECOVER
          CORP ADVANCE BALANCE

        THIRD
          PARTY RECOVERABLE CA BAL

        NON
          REC
          CORP ADVANCE BALANCE

        ESCROW
          BALANCE

        ESCROW
          ADVANCE BALANCE

        RESTRICTED
          ESCROW BALANCE

        BAD
          CHECK
          TABLE

        STATE

        ZIP
          CODE

        SERVICING
          TYPE

        SENIOR
          LIEN AMOUNT

        INTEREST
          PAID TO DATE

        LAST
          PAYMENT DATE

        DAYS
          PAST
          DUE

        DELINQUENCY
          CONVENTION

        NEXT
          PAYMENT RESET DATE

        NEXT
          RATE
          RESET DATE

        DELINQUENCY
          STATUS-T30

        DELINQUENCY
          STATUS-T60

        DELINQUENCY
          STATUS-T90

        DELINQUENCY
          STATUS T120

        RECENT
          PROPERTY VALUATION

        RECENT
          PROPERTY VALUATION DATE

        TOTAL
          MONTHLY PAYMENT PRINCIPAL

        TOTAL
          MONTHLY PAYMENT INTEREST

        TOTAL
          MONTHLY PAYMENT PENALTIES/FEES

        TOTAL
          MONTHLY ESCROW PAYMENT

        TOTAL
          MONTHLY PREPAYMENT AMOUNT

        TOTAL
          PREPAYMENT PENALTIES

        TOTAL
          MONTHLY PAYMENT

        BKR
          STATUS CODE

        CKR
          CHAPTER TYPE

        BKR
          FILING DATE

        BKR
          PREPETITION CONFIRM DATE

        BKR
          PREPETITION CONF DATE

        BKR
          POST
          PETITION DUE DATE

        BKR
          REMOVAL DATE

        BKR
          REMOVAL CODE

        FC
          STATUS
          CODE

        FC
          STOP
          CODE

        FC
          STOP
          CODE DESCRIPTION

        FC
          STATUS
          CODE CHANGE DATE

        FC
          SALE
          DATE

        FC
          SALE
          AMOUNT

        LOSS
          MIT
          STATUS CODE

        LOSS
          MIT
          SET UP DATE

        LOSS
          MIT
          STAGE CODE

        LOSS
          MIT
          TYPE CODE

        LOSS
          MIT
          REMOVAL DATE

        REO
          STATUS CODE

        REO
          STAGE
          CODE

        REO
          CMA
          AS IS VALUE

        REO
          CMA
          COMPLETED DATE

        REO
          EVICTION START DATE

        REO
          EVICTION COMPLETED DATE

        REO
          LISTING START DATE

        REO
          LISTING PRICE AMOUNT

        REO
          COMPLETED DATE

        REO
          SALE
          PRICE AMOUNT

        APPRAISAL
          DATE

        PROPERTY
          VALUE AMOUNT

        CONVEYANCE
          CONDITION

        FHA
          PART
          A FILED

        FHA
          PART
          A RECD

        DEED
          SENT
          FOR RECORDING

        TITLE
          APPROVAL

        FHA
          PART
          B FILED

        FHA
          PART
          B RECD

        VA
          CLAIM
          FILED

        LOAN_NBR

        SERVICER
          LOAN_NBR

        BORROWER_NAME

        SCHED_PMT_AMT

        NOTE_INT_RATE

        SERV_FEE_RATE

        NEW_PAY_AMT

        NEW_LOAN_RATE

        ARM_INDEX_RATE

        ACTL_BEG_BAL

        ACTL_END_BAL

        NEXT_DUE_DATE

        CURT_DATE_1

        CURT_ADJ_AMT_1

        CURT_AMT_2

        CURT_DATE_2

        CURT_ADJ_AMT_2

        CURT_AMT_3

        CURT_DATE_3

        CURT_ADJ_AMT_3

        SCHED_BEG_BAL

        SECHED_END_BAL

        SCHED_PRIN_AMT

        SCHED_NET_INT

        LIQ_AMT

        PIF_DATE

        ACTION_CODE

        PRIN_ADJ_AMT

        INT_ADJ_AMT

        PREPAYMENT
          PENALTY AMT

        SOLDIER_SAILOR
          ADJ AMT

        NON
          ADV
          LOAN AMT

        CAT

        REMITTANCE

        PAYMENT
          DATE

        1
          If
          Counts in Totals

        SCHED_PMT_AMT

        SCHED_BEG_BAL

        SCHED_END_BAL

        ACTL_BEG_BAL

        ACTL_END_BAL

        

        

        
          
            
            

          

          
            
            

            
              

            

          

          
            
            

          

        

         

        SCHEDULE
          I

         

        Mortgage
          Loan Schedule

        

        

        
          
            
            

          

          
            
            

            
              

            

          

          
            
            

          

        

         

        SCHEDULE
          II

         

        Points
          and Fees

      

    

    

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

     

     

    

      
        

        

      

      

      

      

      GSAA
        HOME EQUITY TRUST 2007-S1

      

      MORTGAGE
        PASS-THROUGH CERTIFICATES

      

      SERIES
        2007-S1

      

      ASSIGNMENT,
        ASSUMPTION AND RECOGNITION AGREEMENT

      

      among

      

      GOLDMAN
        SACHS MORTGAGE COMPANY,

      as
        Assignor

      

      GS
        MORTGAGE SECURITIES CORP.,

      as
        Assignee

      

      and

      

      

      M&T
        BANK,

      as
        Responsible Party

      

      Dated
        as of

      

      February
        28, 2007

      

      

      

      
        

        

      

      

      

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

      ASSIGNMENT,
        ASSUMPTION AND RECOGNITION AGREEMENT

       

      ASSIGNMENT,
        ASSUMPTION AND RECOGNITION AGREEMENT (this “Assignment
        Agreement”)
        made
        this 28th
        day of
        February, 2007, among M&T
        Bank
        (the
“Responsible
        Party”),
        GS
        Mortgage Securities Corp., as assignee (the “Assignee”)
        and
        Goldman Sachs Mortgage Company, as assignor (the “Assignor”).

       

      WHEREAS,
        the Assignor and the Responsible Party have entered into the Master Mortgage
        Loan Purchase and Servicing Agreement, dated as of November 1, 2005 (the
        “Sale
        Agreement”),
        pursuant to which the Responsible Party sold certain mortgage loans on a
        servicing-released basis listed on the mortgage loan schedule attached as
        an
        exhibit to the Master Servicing and Trust Agreement (as defined
        below);

       

      WHEREAS,
        the Assignee has agreed on certain terms and conditions to purchase from
        the
        Assignor certain of the mortgage loans (the “Mortgage
        Loans”),
        which
        are subject to the provisions of the Sale Agreement and are listed on the
        mortgage loan schedule attached as
        Exhibit 1
        hereto
        (the “Mortgage
        Loan Schedule”);
        and

       

      WHEREAS,
        pursuant to a Pooling and Servicing Agreement, dated as of February 1, 2007
        (the
“Pooling
        Agreement”),
        among
        GS Mortgage Securities Corp., as depositor, Deutsche Bank National Trust
        Company, as trustee (in such capacity, the “Trustee”),
        U.S.
        Bank National Association, as a custodian, Wells Fargo Bank, National
        Association, as master servicer (the “Master
        Servicer”),
        Ocwen
        Servicing LLP, as a servicer, Avelo Mortgage, L.L.C., as a servicer and
        Specialized Loan Servicing LLC, as a servicer, the Assignee will transfer
        the
        Mortgage Loans to the Trustee, together with the Assignee’s rights under the
        Sale Agreement, to the extent relating to the Mortgage Loans (other than
        the
        rights of the Assignor (and if applicable its affiliates, officers, directors
        and agents) to indemnification thereunder).

       

      NOW
        THEREFORE, in consideration of the mutual promises contained herein and other
        good and valuable consideration, the receipt and sufficiency of which are
        hereby
        acknowledged, the parties agree as follows:

       

      1.  Assignment
        and Assumption.
        (a)
        The
        Assignor hereby assigns to the Assignee, as of the date hereof, all of its
        right, title and interest in and to the Mortgage Loans and the Sale Agreement,
        to the extent relating to the Mortgage Loans (other than the rights of the
        Assignor (and if applicable its affiliates, officers, directors and agents)
        to
        indemnification thereunder), and the Assignee hereby assumes all of the
        Assignor’s obligations under the Sale Agreement, to the extent relating to the
        Mortgage Loans, from and after the date hereof, and the Responsible Party
        hereby
        acknowledges such assignment and assumption and hereby agrees to the release
        of
        the Assignor from any obligations under the Sale Agreement from and after
        the
        date hereof, to the extent relating to the Mortgage Loans.

       

      (b)  The
        Assignor represents and warrants to the Assignee that the Assignor has not
        taken
        any action which would serve to impair or encumber the Assignor’s ownership
        interest in the Mortgage Loans since the date of the Sale
        Agreement.

       

      (c)  The
        Responsible Party and the Assignor shall have the right to amend, modify
        or
        terminate the Sale Agreement without the joinder of the Assignee with respect
        to
        mortgage loans not conveyed to the Assignee hereunder; provided,
        however,
        that
        such amendment, modification or termination shall not affect or be binding
        on
        the Assignee.

       

      2.  Accuracy
        of Sale Agreement.
        The
        Responsible Party and the Assignor represent and warrant to the Assignee
        that
        (i) attached hereto as Exhibit
        2
        is a
        true, accurate and complete copy of the Sale Agreement and (ii) to the best
        of
        the Assignor’s knowledge, no notice of termination has been given to the
        Responsible Party under the Sale Agreement. The Responsible Party, in its
        capacity as seller under the Sale Agreement, further represents and warrants
        that the representations and warranties contained in Section 7.01 and Section
        7.02 (ii), (iii), (iv), (vi), (vii), (viii), (ix), (x), (xii), (xiii), (xiv),
        (xv), (xvii), (xxviii), (xxxiv), (xxxv), (xli), (xliv), (l), (lv), (lvi)
        of the
        Sale Agreement are true and correct as of the Reconstitution Date (as such
        term
        is defined in the Sale Agreement) and the representations and warranties
        contained in Section 7.02 (i), (v), (xi), (xvi), (xix) - (xxxiii), (xxxvi)
        -
        (xl), (xlii), (xliii), (xlv) - (xlix), (li) - (liv), (lvii) - (lxvi) of the
        Sale
        Agreement are true and correct as of the related Closing Date (as such term
        is
        defined in the Sale Agreement).

       

      3.  Modification
        of the Sale Agreement.
        Only in
        so far as it relates to the Mortgage Loans, the Responsible Party and the
        Assignor hereby amend the Sale Agreement as follows:

       

      (a)  the
        defined term “Business Day” in Section 1 will be deleted in its entirety and
        replaced with the following:

       

      “Business
        Day:
        Any day
        other than (i) a Saturday or Sunday, (ii) a day on which banking and savings
        and
        loan institutions in (a) the State of Maryland, Minnesota or New York, (b)
        the
        state in which the Servicer’s servicing operations are located or (iii) the
        State in which the Custodian’s operations are located, are authorized or
        obligated by law or executive order to be closed.”

       

      (b)  a
        new
        section, Section 35, will be added immediately following subsection 34 which
        shall read as follows:

       

      “SECTION
        35. Third
        Party Beneficiary.

       

      Wells
        Fargo Bank, National Association, as master servicer under the Pooling
        Agreement, shall be considered a third party beneficiary to this Agreement
        entitled to all of the rights and benefits accruing to it as if it were a
        direct
        party to this Agreement.”

       

      4.  Recognition
        of Assignee.
        From
        and after the date hereof, the Responsible Party shall note the transfer
        of the
        Mortgage Loans to the Assignee in its books and records, shall recognize
        the
        Assignee as the owner of the Mortgage Loans. It is the intention of the
        Assignor, Assignee and Responsible Party that the Sale Agreement shall be
        binding upon and inure to the benefit of the Responsible Party and the Assignee
        and their successors and assigns.

       

      5.  Representations
        and Warranties of the Assignee.
        The
        Assignee hereby represents and warrants to the Assignor as follows:

       

      (a)  Decision
        to Purchase.
        The
        Assignee represents and warrants that it is a sophisticated investor able
        to
        evaluate the risks and merits of the transactions contemplated hereby, and
        that
        it has not relied in connection therewith upon any statements or representations
        of the Assignor or the Responsible Party other than those contained in the
        Sale
        Agreement or this Assignment Agreement.

       

      (b)  Authority.
        The
        Assignee hereto represents and warrants that it is duly and legally authorized
        to enter into this Assignment Agreement and to perform its obligations hereunder
        and under the Sale Agreement.

       

      (c)  Enforceability.
        The
        Assignee hereto represents and warrants that this Assignment Agreement has
        been
        duly authorized, executed and delivered by it and (assuming due authorization,
        execution and delivery thereof by each of the other parties hereto) constitutes
        its legal, valid and binding obligation, enforceable in accordance with its
        terms, except as such enforcement may be limited by bankruptcy, insolvency,
        reorganization or other similar laws affecting the enforcement of creditors’
rights generally and by general equitable principles (regardless of whether
        such
        enforcement is considered in a proceeding in equity or at law).

       

      6.  Representations
        and Warranties of the Assignor.
        The
        Assignor hereby represents and warrants to the Assignee as follows:

       

      (a)  Organization.
        The
        Assignor has been duly organized and is validly existing as a limited
        partnership in good standing under the laws of the State of New York with
        full
        power and authority (corporate and other) to enter into and perform its
        obligations under the Sale Agreement and this Assignment Agreement.

       

      (b)  Enforceability.
        This
        Assignment Agreement has been duly executed and delivered by the Assignor,
        and,
        assuming due authorization, execution and delivery by each of the other parties
        hereto, constitutes a legal, valid, and binding agreement of the Assignor,
        enforceable against it in accordance with its terms, subject to bankruptcy,
        insolvency, reorganization, moratorium, or other similar laws affecting
        creditors’ rights generally and to general principles of equity regardless of
        whether enforcement is sought in a proceeding in equity or at law.

       

      (c)  No
        Consent.
        The
        execution, delivery and performance by the Assignor of this Assignment Agreement
        and the consummation of the transactions contemplated hereby do not require
        the
        consent or approval of, the giving of notice to, the registration with, or
        the
        taking of any other action in respect of, any state, federal or other
        governmental authority or agency, except such as has been obtained, given,
        effected or taken prior to the date hereof.

       

      (d)  Authorization;
        No Breach.
        The
        execution and delivery of this Assignment Agreement have been duly authorized
        by
        all necessary corporate action on the part of the Assignor; neither the
        execution and delivery by the Assignor of this Assignment Agreement, nor
        the
        consummation by the Assignor of the transactions herein contemplated, nor
        compliance by the Assignor with the provisions hereof, will conflict with
        or
        result in a breach of, or constitute a default under, any of the provisions
        of
        the governing documents of the Assignor or any law, governmental rule or
        regulation or any material judgment, decree or order binding on the Assignor
        or
        any of its properties, or any of the provisions of any material indenture,
        mortgage, deed of trust, contract or other instrument to which the Assignor
        is a
        party or by which it is bound.

       

      (e)  Actions;
        Proceedings.
        There
        are no actions, suits or proceedings pending or, to the knowledge of the
        Assignor, threatened, before or by any court, administrative agency, arbitrator
        or governmental body (A) with respect to any of the transactions contemplated
        by
        this Assignment Agreement or (B) with respect to any other matter that in
        the
        judgment of the Assignor will be determined adversely to the Assignor and
        will,
        if determined adversely to the Assignor, materially adversely affect its
        ability
        to perform its obligations under this Assignment Agreement.

       

      7.  Additional
        Representations and Warranties of the Assignor With Respect to the Mortgage
        Loans.
        The
        Assignor hereby represents and warrants to the Assignee as follows:

       

      (a)  Prior
        Assignments; Pledges.
        Except
        for the sale to the Assignee, the Assignor has not assigned or pledged any
        Mortgage Note or the related Mortgage or any interest or participation
        therein.

       

      (b)  Releases.
        The
        Assignor has not satisfied, canceled or subordinated in whole or in part,
        or
        rescinded any Mortgage, and the Assignor has not released the related Mortgaged
        Property from the lien of any Mortgage, in whole or in part, nor has the
        Assignor executed an instrument that would effect any such release,
        cancellation, subordination, or rescission. The Assignor has not released
        any
        Mortgagor, in whole or in part, except in connection with an assumption
        agreement or other agreement approved by the related federal insurer, to
        the
        extent such approval was required.

       

      (c)  Compliance
        with Applicable Laws.
        With
        respect to each Mortgage Loan, any and all requirements of any federal, state
        or
        local law including, without limitation, usury, truth-in-lending, real estate
        settlement procedures, consumer credit protection, equal credit opportunity,
        predatory and abusive lending or disclosure laws applicable to such Mortgage
        Loan, including without limitation, any provisions relating to prepayment
        charges, have been complied with.

       

      (d)  High
        Cost.
        No
        Mortgage Loan is categorized as “High
        Cost”
        pursuant to the then-current Standard & Poor’s Glossary for File Format for
        LEVELS® Version 5.7, Appendix E, as revised from time to time and in effect
        as of the Original Purchase Date. Furthermore, none of the Mortgage Loans
        sold
        by the Seller are classified as (a) a “high cost mortgage” loan under the Home
        Ownership and Equity Protection Act of 1994 or (b) a “high cost home,”
“covered,” “high-cost,” “high-risk home,” or “predatory” loan under any other
        applicable state, federal or local law.

       

      (e)  Georgia
        Fair Lending Act.
        No
        Mortgage Loan is secured by a property in the state of Georgia and originated
        between October 1, 2002 and March 7, 2003.

       

      (f)  Credit
        Reporting.
        The
        Assignor will cause to be fully furnished, in accordance with the Fair Credit
        Reporting Act and its implementing regulations, accurate and complete
        information (i.e., favorable and unfavorable) on Mortgagor credit files to
        Equifax, Experian and Trans Union Credit Information Company (three of the
        credit repositories), on a monthly basis.

       

      (g)  Bring
        Down.
        To the
        Assignor’s knowledge, with respect to each Mortgage Loan, no event has occurred
        from and after the applicable date set forth in such Sale Agreement to the
        date
        hereof that would cause any of the representations and warranties relating
        to
        such Mortgage Loan set forth in Section 7.02 of the Sale Agreement to be
        untrue
        in any material respect as of the date hereof as if made on the date hereof.
        With respect to those representations and warranties which are made to the
        best
        of the Assignor's knowledge, if it is discovered by the Assignor that the
        substance of such representation and warranty is inaccurate, notwithstanding
        the
        Assignor’s lack of knowledge with respect to the substance of such
        representation and warranty, such inaccuracy shall be deemed a breach of
        the
        applicable representation and warranty.

       

      It
        is
        understood and agreed that the representations and warranties set forth in
        Sections 6 and 7 shall survive delivery of the respective mortgage loan
        documents to the Assignee or its designee and shall inure to the benefit
        of the
        Assignee and its assigns notwithstanding any restrictive or qualified
        endorsement or assignment. Upon the discovery by the Assignor or the Assignee
        and its assigns of a breach of the foregoing representations and warranties,
        the
        party discovering such breach shall give prompt written notice to the other
        parties to this Assignment Agreement and to the Trustee and the Certificate
        Insurer, and in no event later than two (2) Business Days from the date of
        such
        discovery. It is understood and agreed that the obligations of the Assignor
        set
        forth in Section 8 to repurchase or, in limited circumstances, substitute
        a
        Mortgage Loan constitute the sole remedies available to the Assignee and
        its
        assigns on their behalf respecting a breach of the representations and
        warranties contained in Sections 6 and 7. It is further understood and agreed
        that, except as specifically set forth in Sections 6 and 7, the Assignor
        shall
        be deemed not to have made the representations and warranties in Section
        7(g)
        with respect to, and to the extent of, representations and warranties made,
        as
        to the matters covered in Section 7(g), by the Responsible Party in the Sale
        Agreement (or any officer’s certificate delivered pursuant
        thereto).

       

      It
        is
        understood and agreed that, with respect to the Mortgage Loans, the Assignor
        has
        made no representations or warranties to the Assignee other than those contained
        in Sections 6 and 7, and no other affiliate of the Assignor has made any
        representations or warranties of any kind to the Assignee.

       

      8.  Repurchase
        of Mortgage Loans. (a) [Reserved].

       

      (b) Upon
        discovery or notice of any breach by the Assignor of any representation,
        warranty or covenant under this Assignment Agreement that materially and
        adversely affects the value of any Mortgage Loan or the interests of the
        Assignee, the Trustee or the Certificate Insurer therein (it being understood
        that any such defect or breach shall be deemed to have materially and adversely
        affected the value of the related Mortgage Loan or the interests of the
        Assignee, the Trustee or the Certificate Insurer therein if the Assignee,
        the
        Trustee or the Certificate Insurer incurs a loss as a result of such defect
        or
        breach), the Assignee promptly shall request that the Assignor cure such
        breach
        and, if the Assignor does not cure such breach in all material respects within
        sixty (60) days from the date on which it is notified of the breach,
the
        Assignee may, and at the direction of the Depositor or the Certificate Insurer,
        the Trustee shall enforce the Assignor’s obligation hereunder to purchase such
        Mortgage Loan from the Assignee at the Repurchase Price as defined in the
        Sale
        Agreement or, in limited circumstances (as set forth below), substitute such
        mortgage loan for a Substitute Mortgage Loan (as defined below).

       

      The
        Assignor shall have the option, but is not obligated, to substitute a Substitute
        Mortgage Loan for a Mortgage Loan, rather than repurchase the Mortgage Loan
        as
        provided above, by removing such Mortgage Loan and substituting in its place
        a
        Substitute Mortgage Loan or Loans and providing the Substitution Adjustment
        Amount, provided that any such substitution shall be effected not later than
        ninety (90) days from the date on which it is notified of the
        breach.

       

      In
        the
        event the Responsible Party has breached a representation or warranty under
        the
        Sale Agreement that is substantially identical to a representation or warranty
        breached by the Assignor hereunder, the Assignee shall first proceed against
        the
        Responsible Party to cure such breach or purchase such mortgage loan from
        the
        Trust (to the extent the Responsible Party is obligated to repurchase such
        Mortgage Loan pursuant to Section 7.03 of the Sale Agreement). If the
        Responsible Party does not within sixty (60) days after notification of the
        breach, take steps to cure such breach (which may include certifying to progress
        made and requesting an extension of the time to cure such breach, as permitted
        under the Sale Agreement) or purchase the Mortgage Loan, the Trustee shall
        be
        entitled to enforce the obligations of the Assignor hereunder to cure such
        breach or to purchase or substitute for the Mortgage Loan from the Trust.
        Notwithstanding the foregoing provisions of this paragraph, nothing contained
        herein shall obligate the Responsible Party to repurchase any Mortgage Loan
        unless, and to the extent that, the Responsible Party is require to repurchase
        such Mortgage Loan under the Sale Agreement to which the Responsible Party
        and
        Assignor are parties.

       

      In
        addition, the Assignor shall have the option, but is not obligated, to
        substitute a Substitute Mortgage Loan for a Mortgage Loan with respect to
        which
        the Responsible Party has breached a representation and warranty and is
        obligated to repurchase such Mortgage Loan under the Sale Agreement, by removing
        such Mortgage Loan and substituting in its place a Substitute Mortgage Loan
        or
        Loans, provided that any such substitution shall be effected not later than
        ninety (90) days from the date on which it is notified of the
        breach.

       

      In
        the
        event of any repurchase or substitution of any Mortgage Loan by the Assignor
        hereunder, the Assignor shall succeed to the rights of the Assignee to enforce
        the obligations of the Responsible Party to cure any breach or repurchase
        such
        Mortgage Loan under the terms of the Sale Agreement with respect to such
        Mortgage Loan. In the event of a repurchase or substitution of any Mortgage
        Loan
        by the Assignor, the Assignee shall promptly deliver to the Assignor or its
        designee the related Mortgage File and shall assign to the Assignor all of
        the
        Assignee’s rights under the Sale Agreement, but only insofar as such Sale
        Agreement relates to such Mortgage Loan.

       

      Except
        as
        specifically set forth herein, the Assignee shall have no responsibility
        to
        enforce any provision of this Assignment Agreement, to oversee compliance
        hereof
        or to take notice of any breach or default thereof.

       

      For
        purposes of this Section, “Deleted Mortgage Loan” and “Substitute Mortgage Loan”
shall be defined as set forth below.

       

      “Deleted
        Mortgage Loan” A Mortgage Loan which is to be, pursuant to this Section 8,
        replaced or to be replaced by the Assignor with a Substitute Mortgage
        Loan.

       

      “Substitute
        Mortgage Loan” A mortgage loan substituted by the Assignor for a Deleted
        Mortgage Loan which must, on the date of such substitution, (i) have an
        outstanding principal balance, after deduction of all scheduled payments
        due in
        the month of substitution (or in the case of a substitution of more than
        one
        mortgage loan for a Deleted Mortgage Loan, an aggregate principal balance),
        not
        in excess of the Stated Principal Balance of the Deleted Mortgage Loan; (ii)
        be
        accruing interest at a rate no lower than and not more than 2% per
        annum
        higher
        than that of the Deleted Mortgage Loan; (iii) have a remaining term to maturity
        not greater than and not more than one year less than that of the Deleted
        Mortgage Loan; (iv) be of the same type as the Deleted Mortgage Loan (i.e.,
        fixed rate or adjustable rate with same periodic rate cap, lifetime rate
        cap,
        and index); and (v) comply with each representation and warranty set forth
        in
        Section 7.02 of the Sale Agreement.

       

      “Substitution
        Adjustment Amount” means with respect to any Mortgage Loan, the amount remitted
        by GSMC on the applicable Distribution Date which is the difference between
        the
        outstanding principal balance on a Substitute Mortgage Loan as of the date
        of
        substitution and the outstanding principal balance of the Deleted Mortgage
        Loan
        as of the date of substitution.

       

      9.  Continuing
        Effect.
        Except
        as contemplated hereby, the Sale Agreement shall remain in full force and
        effect
        in accordance with its terms.

       

      10.  Governing
        Law.

       

      THIS
        ASSIGNMENT AGREEMENT AND THE RIGHTS AND OBLIGATIONS HEREUNDER SHALL BE GOVERNED
        BY AND CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF NEW YORK (WITHOUT
        REGARD TO THE CONFLICT OF LAWS PROVISIONS THEREOF).

       

      EACH
        PARTY HERETO HEREBY KNOWINGLY, VOLUNTARILY AND INTENTIONALLY WAIVES ANY AND
        ALL
        RIGHTS IT MAY HAVE TO A TRIAL BY JURY IN RESPECT OF ANY LITIGATION BASED
        ON, OR
        ARISING OUT OF, UNDER, OR IN CONNECTION WITH, THIS ASSIGNMENT AGREEMENT,
        OR ANY
        OTHER DOCUMENTS AND INSTRUMENTS EXECUTED IN CONNECTION HEREWITH, OR ANY COURSE
        OF CONDUCT, COURSE OF DEALING, STATEMENTS (WHETHER ORAL OR WRITTEN), OR ACTIONS
        OF SUCH PARTY. THIS PROVISION IS A MATERIAL INDUCEMENT FOR THE PARTIES TO
        ENTER
        INTO THIS ASSIGNMENT AGREEMENT.

       

      11.  Notices.
        Any
        notices or other communications permitted or required hereunder or under
        the
        Sale Agreement shall be in writing and shall be deemed conclusively to have
        been
        given if personally delivered at or mailed by registered mail, postage prepaid,
        and return receipt requested or transmitted by telex, telegraph or telecopier
        and confirmed by a similar mailed writing, to:

       

      (a)  in
        the
        case of the Responsible Party,

       

      M&T
        Bank

      One
        Fountain Plaza

      Buffalo,
        NY 14203

      Attention:
        Justin LaFramboise

      

      With
        a
        copy to:

      

      M&T
        Bank

      One
        M&T Plaza

      12th
        Floor

      Buffalo,
        NY 14203

      Attention:
        General Counsel

      

      or
        such
        other address as may hereafter be furnished by the Responsible
        Party;

       

      (b) in
        the
        case of the Assignee,

       

      GS
        Mortgage Securities Corp.

      85
        Broad
        Street

      New
        York,
        New York 10004

      Attention:
        Chris Gething

      Tel:
        (212) 902-1434

      Fax:
        (212) 256-5107

       

      With
        a
        copy to:

       

      GS
        Mortgage Securities Corp.

      85
        Broad
        Street

      New
        York,
        New York 10004

      Attention:
        William Moliski

      Tel.:
        (212) 357-8721

      Fax:
        (212) 902-3000

       

      or
        such
        other address as may hereafter be furnished by the Assignee; and

       

      (c) in
        the
        case of the Assignor,

       

      Goldman
        Sachs Mortgage Company

      85
        Broad
        Street

      New
        York,
        New York 10004

      Attention:
        William Moliski

      Tel.:
        (212) 357-8721

      Fax:
        (212) 902-3000

       

      or
        such
        other address as may hereafter be furnished by the Assignor.

       

      12.  Counterparts.
        This
        Assignment Agreement may be executed in counterparts, each of which when
        so
        executed shall be deemed to be an original and all of which when taken together
        shall constitute one and the same instrument.

       

      13.  Definitions.
        Any
        capitalized term used but not defined in this Assignment Agreement has the
        meaning assigned thereto in the Sale Agreement or Pooling Agreement, as
        applicable.

       

      14.  Third
        Party Beneficiaries.
        The
        parties agree that the Trustee and the Certificate Insurer are each intended
        to
        be, and shall have the rights of, a third party beneficiary of this Assignment
        Agreement.

       

      15.  Amendments.
        Neither
        this Assignment Agreement nor the Sale Agreement (solely with respect to
        the
        Mortgage Loans) may be amended without the prior written consent of the
        Certificate Insurer.

       

      [SIGNATURE
        PAGE FOLLOWS]

       

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

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

       

      

       

      
        	 	 	 	 	 	 	 	
                GOLDMAN
                  SACHS MORTGAGE COMPANY

              
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
                By:

              	
                Goldman
                  Sachs Real Estate Funding Corp.,

                its
                  general partner

              
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
                By:

              	 
	 	 	 	 	 	 	 	
                Name:

              	 
	 	 	 	 	 	 	 	
                Title:

              	 

      

      

       

      
        	 	 	 	 	 	 	 	
                GS
                  MORTGAGE SECURITIES CORP.

              
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
                By:

              	 
	 	 	 	 	 	 	 	
                Name:

              	
                Michelle
                  Gill

              
	 	 	 	 	 	 	 	
                Title:

              	
                Vice
                  President

              

      

      

       

      
        	 	 	 	 	 	 	 	
                M&T
                  BANK

              
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
                By:

              	 
	 	 	 	 	 	 	 	
                Name:

              	 
	 	 	 	 	 	 	 	
                Title:

              	 

      

      

       

      

       

      

       

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

      EXHIBIT
        1

       

      Mortgage
        Loan Schedule

       

      [On
        File
        with the Trustee as provided by the Depositor]

      

      

      

      

      

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

      EXHIBIT
        2

       

      Sale
        Agreement

       

      [On
        File
        with the Depositor]

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

     

    EXHIBIT
      Q-2

     

    GREENPOINT
      AGREEMENTS

     

    
      

         

        FLOW
          MORTGAGE LOAN PURCHASE AND WARRANTIES AGREEMENT

         

        This
          FLOW
          MORTGAGE LOAN PURCHASE AND WARRANTIES AGREEMENT (the “Agreement”),
          dated
          as of October 1, 2006, by and between Goldman Sachs Mortgage Company, a
          New York
          limited partnership, having an office at 85 Broad Street, New York, New
          York
          10004 (the “Purchaser”)
          and
          GreenPoint Mortgage Funding, Inc., a New York corporation, having an office
          at
          100 Wood Hollow Drive, Novato, California 94945 (the “Seller”).

         

        W I T N E S S E T H:

         

        WHEREAS,
          from time to time, the Seller desires to sell to the Purchaser, and, from
          time
          to time, the Purchaser desires to purchase from the Seller, certain conventional
          adjustable and fixed rate residential first and second lien mortgage loans
          (the
“Mortgage
          Loans”)
          on a
          servicing released basis as described herein, and which shall be delivered
          as a
          pool of whole loans;

         

        WHEREAS,
          each Mortgage Loan is secured by a mortgage, deed of trust or other security
          instrument creating a first or second lien on a residential dwelling located
          in
          the jurisdiction indicated on the related Mortgage Loan Schedule;

         

        WHEREAS,
          the Purchaser and the Seller wish to prescribe the manner of the conveyance
          and
          control of the Mortgage Loans; and

         

        WHEREAS,
          following its purchase of the Mortgage Loans from the Seller, the Purchaser
          desires to sell some or all of the Mortgage Loans to one or more purchasers
          as a
          whole loan transfer or a public or private, rated or unrated mortgage
          pass-through transaction;

         

        NOW,
          THEREFORE, in consideration of the premises and mutual agreements set forth
          herein, and for other good and valuable consideration, the receipt and
          sufficiency of which are hereby acknowledged, the Purchaser and the Seller
          agree
          as follows:

         

        SECTION
          1.  Definitions.

         

        For
          purposes of this Agreement the following capitalized terms shall have the
          respective meanings set forth below. 

         

        Accepted
          Servicing Practices:
          With
          respect to any Mortgage Loan those mortgage servicing practices of prudent
          mortgage lending institutions which service mortgage loans of the same
          type as
          such Mortgage Loan in the jurisdiction where the related Mortgaged Property
          is
          located and incorporating the Delinquency Collection Policies and
          Procedures.

         

        Actual
          Principal Balance:
          As to
          each Mortgage Loan, (i) the principal balance of the Mortgage after application
          of payments of principal actually received at the related Cut-off Date,
          minus
          (ii) all amounts previously distributed to the Purchaser with respect to
          the
          related Mortgage Loan representing principal payments.

         

        Adjustable
          Rate Mortgage Loan:
          An
          adjustable rate Mortgage Loan purchased pursuant to this Agreement.

         

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

         

        Agency
          Transfer:
          A
          Fannie Mae Transfer or a Freddie Mac Transfer.

         

        Agreement:
          This
          Flow Mortgage Loan Purchase and Warranties Agreement and all amendments
          hereof
          and supplements hereto.

         

        ALTA:
          The
          American Land Title Association, or any successor thereto.

         

        Appraised
          Value:
          The
          value set forth in an appraisal made in connection with the origination
          of the
          related Mortgage Loan as the value of the Mortgaged Property.

         

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

         

        Business
          Day:
          Any day
          other than (i) a Saturday or Sunday, (ii) a day on which banking and
          savings and loan institutions in (a) the State of New York, (b) the state
          in
          which the Seller’s servicing operations are located or (c) or (iii) the
          State in which the Custodian’s operations are located, are authorized or
          obligated by law or executive order to be closed.

         

        Closing
          Date:
          The
          date or dates set forth on the related Trade Confirmation or Purchase
          Confirmation on which the Purchaser from time to time shall purchase and
          the
          Seller from time to time shall sell, the Mortgage Loans listed on the related
          Mortgage Loan Schedule

         

        CLTV:
          As of
          the date of origination and as to any Second Lien Mortgage Loan, the ratio,
          expressed as a percentage, of the (a) sum of (i) the outstanding principal
          balance of the Second Lien Mortgage Loan as of the date of origination
          and (ii)
          the outstanding principal balance as of the date of origination of any
          mortgage
          loan or mortgage loans that are senior or equal in priority to the Second
          Lien
          Mortgage Loan and which are secured by the same Mortgaged Property to (b)
          the
          lesser of the Appraised Value and the purchase price of the Mortgaged
          Property.

         

        Code:
          Internal Revenue Code of 1986, as amended.

         

        Commission:
          The
          United States Securities and Exchange Commission.

         

        Condemnation
          Proceeds:
          All
          awards or settlements in respect of a Mortgaged Property, whether permanent
          or
          temporary, partial or entire, by exercise of the power of eminent domain
          or
          condemnation, to the extent not required to be released to a Mortgagor
          in
          accordance with the terms of the related Mortgage Loan Documents.

         

        Convertible
          Mortgage Loan:
          Any
          individual Adjustable Rate Mortgage Loan purchased pursuant to this Agreement
          which contains a provision whereby the Mortgagor is permitted to convert
          the
          Adjustable Rate Mortgage Loan to a fixed rate Mortgage Loan in accordance
          with
          the terms of the related Mortgage Note.

         

        Covered
          Loan:
          A
          Mortgage Loan categorized as Covered pursuant to Appendix E of Standard
&
Poor’s Glossary.

         

        Credit
          File:
          The
          items pertaining to a particular Mortgage Loan referred to in Exhibit
          B
          annexed
          hereto, and any additional documents required to be added to the credit
          File
          pursuant to this Agreement.

         

        Custodial
          Account:
          The
          separate account or accounts created and maintained pursuant to the Interim
          Servicing Agreement (with respect to each Mortgage Loan, for an interim
          period,
          as specified therein).

         

        Custodial
          Agreement:
          The
          agreement between the Purchaser and the Custodian governing the retention
          of the
          originals of each Mortgage Note, Mortgage, Assignment of Mortgage and other
          documents constituting the Mortgage Files.

         

        Custodian:
          [________] (or such other Custodian as specified in the related Trade
          Confirmation), or its successors in interest or permitted assigns, or any
          successor to the Custodian under the Custodial Agreement as therein
          provided.

         

        Cut-off
          Date:
          With
          respect to each Mortgage Loan in a Mortgage Loan Package, the date set
          forth on
          the related Trade Confirmation or Purchase Confirmation.

         

        Deemed
          Material Breach Representation:
          Each
          representation and warranty identified as such in Subsection 9.02. 

         

        Deleted
          Mortgage Loan:
          A
          Mortgage Loan that is repurchased or replaced or to be replaced with a
          Qualified
          Substitute Mortgage Loan by the Seller in accordance with the terms of
          this
          Agreement.

         

        Delinquency
          Collection Policies and Procedures:
          The
          delinquency collection policies and procedures of the Interim Servicer,
          a copy
          of which is attached to the Interim Servicing Agreement as Exhibit
          7.

         

        Depositor:
          The
          depositor, as such term is defined in Regulation AB, with respect to any
          Securitization Transaction.

         

        Due
          Date:
          The day
          of the month on which the Monthly Payment is due on a Mortgage Loan, exclusive
          of any days of grace.

         

        Escrow
          Account:
          The
          separate account or accounts created and maintained pursuant to the Interim
          Servicing Agreement (with respect to each Mortgage Loan, for an interim
          period,
          as specified therein).

         

        Escrow
          Payments:
          With
          respect to any Mortgage Loan, the amounts constituting ground rents, taxes,
          assessments, water rates, sewer rents, municipal charges, mortgage insurance
          premiums, fire and hazard insurance premiums, condominium charges, and
          any other
          payments required to be escrowed by the Mortgagor with the mortgagee pursuant
          to
          the Mortgage or any other document.

         

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

         

        Fannie
          Mae:
          The
          Federal National Mortgage Association, or any successor thereto.

         

        Fannie
          Mae Guides:
          The
          Fannie Mae Selling Guide and the Fannie Mae Servicing Guide and all amendments
          or additions thereto.

         

        Fannie
          Mae Transfer:
          As
          defined in Section
          13
          hereof.

         

        FHA:
          The
          Federal Housing Administration, an agency within the United States Department
          of
          Housing and Urban Development, or any successor thereto and including the
          Federal Housing Commissioner and the Secretary of Housing and Urban Development
          where appropriate under the FHA Regulations.

         

        FHA
          Loan:
          A
          Mortgage Loan which is the subject of an FHA Mortgage Insurance
          contract.

         

        FHA
          Mortgage Insurance:
          Mortgage insurance authorized under the National Housing Act, as amended
          from
          time to time, and provided by the FHA.

         

        FHA
          Regulations:
          The
          regulations promulgated by the Department of Housing and Urban Development
          under
          the National Housing Act, as amended from time to time and codified in
          24 Code
          of Federal Regulations, and other Department of Housing and Urban Development
          issuances relating to FHA Loans, including the related handbooks, circulars,
          notices and mortgagee letters.

         

        FICO:
          Fair
          Isaac Corporation, or any successor thereto.

         

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

         

        Fixed
          Rate Mortgage Loan:
          A fixed
          rate mortgage loan purchased pursuant to this Agreement.

         

        Freddie
          Mac:
          The
          Federal Home Loan Mortgage Corporation, or any successor thereto.

         

        Freddie
          Mac Transfer:
          As
          defined in Section
          13
          hereof.

         

        Gross
          Margin:
          With
          respect to each Adjustable Rate Mortgage Loan, the fixed percentage amount
          set
          forth in the related Mortgage Note which amount is added to the Index in
          accordance with the terms of the related Mortgage Note to determine on
          each
          Interest Rate Adjustment Date the Mortgage Interest Rate for such Mortgage
          Loan.

         

        High
          Cost Loan:
          A
          Mortgage Loan (a) covered by the Home Ownership and Equity Protection Act
          of 1994 (“HOEPA”),
          (b)
          with an “annual percentage rate” or total “points and fees” payable by the
          related Mortgagor (as each such term is calculated under HOEPA) that exceed
          the
          thresholds set forth by HOEPA and its implementing regulations, including
          12
          C.F.R. § 226.32(a)(1)(i) and (ii), (c) classified as a “high cost home,”
“threshold,” “covered,” “high risk home,” “predatory” or similar loan under any
          other applicable state, federal or local law (or a similarly classified
          loan
          using different terminology under a law imposing heightened regulatory
          scrutiny
          or additional legal liability for residential mortgage loans having high
          interest rates, points and/or fees) or (d) a Mortgage Loan categorized as
          High Cost pursuant to Appendix E of Standard & Poor’s Glossary. For
          avoidance of doubt, the parties agree that this definition shall apply
          to any
          law regardless of whether such law is presently, or in the future becomes,
          the
          subject of judicial review or litigation.

         

        Home
          Loan:
          A
          Mortgage Loan categorized as Home Loan pursuant to Appendix E of Standard
&
Poor’s Glossary.

         

        HUD:
          The
          Department of Housing and Urban Development, or any federal agency or official
          thereof which may from time to time succeed to the functions thereof with
          regard
          to FHA Mortgage Insurance. The term “HUD,”
for
          purposes of this Agreement, is also deemed to include subdivisions thereof
          such
          as the FHA and Government National Mortgage Association.

         

        Index:
          With
          respect to each Adjustable Rate Mortgage Loan, a rate per annum as specified
          in
          the related Mortgage Loan Schedule.

         

        Insurance
          Proceeds:
          With
          respect to each Mortgage Loan, proceeds of insurance policies insuring
          the
          Mortgage Loan or the related Mortgaged Property.

         

        Interest
          Rate Adjustment Date:
          With
          respect to each adjustable rate Mortgage Loan, the date, specified in the
          related Mortgage Note and the related Mortgage Loan Schedule, on which
          the
          Mortgage Interest Rate is adjusted.

         

        Interim
          Funder:
          With
          respect to each MERS Designated Mortgage Loan, the Person named on the
          MERS®
System as the interim funder pursuant to the MERS Procedures
          Manual.

         

        Interim
          Servicing Agreement:
          That
          certain Flow Interim Servicing Agreement, dated as of the date hereof,
          by and
          between the Purchaser and the Seller.

         

        Investor:
          With
          respect to each MERS Designated Mortgage Loan, the Person named on the
          MERS®
System as the investor pursuant to the MERS Procedures Manual.

         

        Lifetime
          Rate Cap:
          The
          provision of each Mortgage Note related to an Adjustable Rate Mortgage
          Loan
          which provides for an absolute maximum Mortgage Interest Rate thereunder.
          The
          Mortgage Interest Rate during the terms of each Adjustable Rate Mortgage
          Loan
          shall not at any time exceed the Mortgage Interest Rate at the time of
          origination of such Adjustable Rate Mortgage Loan by more than the amount
          per
          annum set forth on the related Mortgage Loan Schedule.

         

        Limited
          Documentation Program:
          The
          guidelines under which the Seller generally originates Mortgage Loans
          principally on the basis of the Loan-to-Value Ratio of the related Mortgage
          Loan
          and the creditworthiness of the Mortgagor.

         

        Liquidation
          Proceeds:
          Cash
          received in connection with the liquidation of a defaulted Mortgage Loan,
          whether through the sale or assignment of such Mortgage Loan, trustee’s sale,
          foreclosure sale or otherwise or the sale of the related Mortgaged Property
          if
          the Mortgaged Property is acquired in satisfaction of the Mortgage
          Loan.

         

        Loan-to-Value
          Ratio
          or
LTV:
          With
          respect to any Mortgage Loan, the ratio (expressed as a percentage) of
          the
          outstanding principal amount of the Mortgage Loan as of the related Cut-off
          Date
          (unless otherwise indicated), to the lesser of (a) the Appraised Value of
          the Mortgaged Property at origination and (b) if the Mortgage Loan was made
          to finance the acquisition of the related Mortgaged Property, the purchase
          price
          of the Mortgaged Property.

         

        MERS:
          MERSCORP, Inc., its successors and assigns.

         

        MERS
          Designated Mortgage Loan:
          Mortgage Loans for which (a) the Seller has designated or will designate
          MERS
          as, and has taken or will take such action as is necessary to cause MERS
          to be,
          the mortgagee of record, as nominee for the Seller, in accordance with
          MERS
          Procedure Manual and (b) the Seller has designated or will designate the
          Purchaser as the Investor on the MERS® System.

         

        MERS
          Procedure Manual:
          The
          MERS Procedures Manual, as it may be amended, supplemented or otherwise
          modified
          from time to time.

         

        MERS
          Report:
          The
          report from the MERS® System listing MERS Designated Mortgage Loans and other
          information.

         

        MERS®
          System:
          MERS
          mortgage electronic registry system, as more particularly described in
          the MERS
          Procedures Manual.

         

        Monthly
          Payment:
          The
          scheduled monthly payment of principal and interest on a Mortgage
          Loan.

         

        Moody’s:
          Moody’s
          Investors Service, Inc., and any successor thereto.

         

        Mortgage:
          The
          mortgage, deed of trust or other instrument securing a Mortgage Note, which
          creates a first or second lien on an unsubordinated estate in fee simple
          in real
          property securing the Mortgage Note; except that with respect to real property
          located in jurisdictions in which the use of leasehold estates for residential
          properties is a widely-accepted practice, the mortgage, deed of trust or
          other
          instrument securing the Mortgage Note may secure and create a first or
          second
          lien upon a leasehold estate of the Mortgagor.

         

        Mortgage
          File:
          The
          items pertaining to a particular Mortgage Loan referred to in Exhibit A
          annexed
          hereto, and any additional documents required to be added to the Mortgage
          File
          pursuant to this Agreement.

         

        Mortgage
          Interest Rate:
          The
          annual rate of interest borne on a Mortgage Note with respect to each Mortgage
          Loan.

         

        Mortgage
          Loan:
          An
          individual Mortgage Loan which is the subject of this Agreement, each Mortgage
          Loan originally sold and subject to this Agreement being identified on
          the
          related Mortgage Loan Schedule, which Mortgage Loan includes without limitation
          the Mortgage File, the Credit File, the Servicing File, the Monthly Payments,
          Principal Prepayments, Liquidation Proceeds, Condemnation Proceeds, Insurance
          Proceeds, Servicing Rights, Prepayment Penalties, and all other rights,
          benefits, proceeds and obligations arising from or in connection with such
          Mortgage Loan, excluding replaced or repurchased mortgage loans.

         

        Mortgage
          Loan Documents:
          The
          documents in the Mortgage File.

         

        Mortgage
          Loan Package:
          A pool
          of Mortgage Loans sold to the Purchaser by the Seller on a Closing Date
          pursuant
          to a Purchase Confirmation.

         

        Mortgage
          Loan Schedule:
          The
          schedule of Mortgage Loans, with respect to each Mortgage Loan Package,
          attached
          as Exhibit
          A
          to the
          related Purchase Confirmation, setting forth certain information with respect
          to
          each Mortgage Loan in the related Mortgage Loan Package, which must include
          at a
          minimum: (1) the Seller’s Mortgage Loan identifying number; (2) the
          Mortgagor’s name; (3) the street address of the Mortgaged Property
          including the city, state and zip code; (4) a code indicating whether the
          Mortgaged Property is owner-occupied, a second home or investment property;
          (5) the number and type of residential units constituting the Mortgaged
          Property (i.e. a single family residence, a 2-4 family residence, a unit
          in a
          condominium project or a unit in a planned unit development, manufactured
          housing); (6) the original months to maturity or the remaining months to
          maturity from the related Cut-off Date, in any case based on the original
          amortization schedule and, if different, the maturity expressed in the
          same
          manner but based on the actual amortization schedule; (7) the LTV and CLTV,
          each
          at the origination; (8) the Mortgage Interest Rate as of the related
          Cut-off Date; (9) the date on which the Monthly Payment was due on the
          Mortgage Loan and, if such date is not consistent with the Due Date currently
          in
          effect, such Due Date; (10) the stated maturity date; (11) the amount
          of the Monthly Payment as of the related Cut-off Date; (12) the last
          payment date on which a Monthly Payment was actually applied to pay interest
          and
          the outstanding principal balance; (13) the original principal amount of
          the Mortgage Loan; (14) the principal balance of the Mortgage Loan as of
          the close of business on the related Cut-off Date, after deduction of payments
          of principal due and collected on or before the related Cut-off Date;
          (15) with respect to Adjustable Rate Mortgage Loans, the Interest Rate
          Adjustment Date; (16) with respect to Adjustable Rate Mortgage Loans, the
          Gross Margin; (17) with respect to Adjustable Rate Mortgage Loans, the
          Lifetime Rate Cap under the terms of the Mortgage Note; (18) with respect
          to Adjustable Rate Mortgage Loans, a code indicating the type of Index;
          (19) with respect to Adjustable Rate Mortgage Loans, the Periodic Rate Cap
          under the terms of the Mortgage Note; (20) with respect to Adjustable Rate
          Mortgage Loans, the Periodic Rate Floor under the terms of the Mortgage
          Note;
          (21) the type of Mortgage Loan (i.e., Fixed Rate, Adjustable Rate, First
          Lien,
          Second Lien); (22) a code indicating the purpose of the loan (i.e.,
          purchase, rate and term refinance, equity take-out refinance); (23) a code
          indicating the documentation style (i.e. full, alternative or reduced);
          (24) the loan credit classification (as described in the Underwriting
          Guidelines); (25) whether such Mortgage Loan provides for a Prepayment
          Penalty; (26) the Prepayment Penalty period of such Mortgage Loan, if
          applicable; (27)[Reserved]; (28) the Mortgage Interest Rate as of
          origination; (29) the credit risk score (FICO score) at origination; (30)
          the
          date of origination; (31) the Mortgage Interest Rate adjustment period;
          (32) the
          Mortgage Interest Rate adjustment percentage; (33) the Mortgage Interest
          Rate
          floor; (34) [Reserved]; (35) a code indicating whether the Mortgage Loan
          is a
          Section 32 Mortgage Loan; (36) a code indicating whether the Mortgage Loan
          is
          assumable; (37) [Reserved]; (38) [Reserved]; (39) the Due Date for the
          first
          Monthly Payment; (40) the original Monthly Payment due; (41) with respect
          to the related Mortgagor, the debt-to-income ratio; (42) the Appraised
          Value of
          the Mortgaged Property; (43) the sales price of the Mortgaged Property
          if the
          Mortgage Loan was originated in connection with the purchase of the Mortgaged
          Property; (44) a code indicating if the Mortgage Loan is a High Cost Loan
          or
          Home Loan as such terms are defined in the then current Standard & Poor’s
          Glossary; and (45) [Reserved]. With respect to the Mortgage Loans in the
          aggregate, the Mortgage Loan Schedule shall set forth the following information,
          as of the related Cut-off Date: (1) the number of Mortgage Loans;
          (2) the current aggregate outstanding principal balance of the Mortgage
          Loans; (3) the weighted average Mortgage Interest Rate of the Mortgage
          Loans; and (4) the weighted average maturity of the Mortgage
          Loans.

         

        Mortgage
          Note:
          The
          note or other evidence of the indebtedness of a Mortgagor secured by a
          Mortgage.

         

        Mortgaged
          Property:
          The
          real property (or leasehold estate, if applicable) securing repayment of
          the
          debt evidenced by a Mortgage Note.

         

        Mortgagor:
          The
          obligor on a Mortgage Note.

         

        Officer’s
          Certificate:
          A
          certificate signed by the Chairman of the Board or the Vice Chairman of
          the
          Board or a President or a Vice President and by the Treasurer or the Secretary
          or one of the Assistant Treasurers or Assistant Secretaries of the Seller,
          and
          delivered to the Purchaser as required by this Agreement.

         

        Opinion
          of Counsel:
          A
          written opinion of counsel, who may be counsel for the Seller, reasonably
          acceptable to the Purchaser, provided that any Opinion of Counsel relating
          to
          (a) the qualification of any account required to be maintained pursuant to
          this Agreement as an Eligible Account, (b) qualification of the Mortgage
          Loans in a REMIC or (c) compliance with the REMIC Provisions, must be
          (unless otherwise stated in such Opinion of Counsel) an opinion of counsel
          who
          (i) is in fact independent of the Seller and any master servicer of the
          Mortgage Loans, (ii) does not have any material direct or indirect
          financial interest in the Seller or any master servicer of the Mortgage
          Loans or
          in an Affiliate of either and (iii) is not connected with the Seller or any
          master servicer of the Mortgage Loans as an officer, employee, director
          or
          person performing similar functions.

         

        Option
          ARM Mortgage Loan:
          An
          adjustable rate Mortgage Loan that gives the related Mortgagor three different
          payment options each month, which include: (i) a minimum monthly payment
          option,
          (ii) an interest-only payment option or (iii) a full principal and interest
          option which amortizes over thirty (30) years or less.

         

        Periodic
          Rate Cap:
          The
          provision of each Mortgage Note related to an Adjustable Rate Mortgage
          Loan
          which provides for an absolute maximum amount by which the Mortgage Interest
          Rate therein may increase or decrease on an Interest Rate Adjustment Date
          above
          or below the Mortgage Interest Rate previously in effect. The Periodic
          Rate Cap
          for each Adjustable Rate Mortgage Loan is the rate set forth on the Mortgage
          Loan Schedule.

         

        Periodic
          Rate Floor:
          With
          respect to each Adjustable Rate Mortgage Loan, the provision of each Mortgage
          Note which provides for an absolute maximum amount by which the Mortgage
          Interest Rate therein may decrease on an Interest Rate Adjustment Date
          below the
          Mortgage Interest Rate previously in effect.

         

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

         

        Preliminary
          Mortgage Schedule:
          As
          defined in Section
          3.

         

        Prepayment
          Penalty:
          With
          respect to each Mortgage Loan, the fee, if any, payable upon the prepayment,
          in
          whole or in part, of such Mortgage Loan, as set forth in the related Mortgage
          Note.

         

        Principal
          Prepayment:
          Any
          payment or other recovery of principal on a Mortgage Loan which is received
          in
          advance of its scheduled Due Date, including any Prepayment Penalty or
          premium
          thereon and which is not accompanied by an amount of interest representing
          scheduled interest due on any date or dates in any month or months subsequent
          to
          the month of prepayment.

         

        Purchase
          Confirmation:
          A
          confirmation of the purchase to be executed by the Seller substantially
          in the
          form of Exhibit
          I.

         

        Purchase
          Price:
          The
          price paid on the related Closing Date by the Purchaser to the Seller in
          exchange for the Mortgage Loans in a Mortgage Loan Package as calculated
          in
Section
          4
          of this
          Agreement.

         

        Purchaser:
          Goldman
          Sachs Mortgage Company, a New York limited partnership, and its successors
          in
          interest and assigns, and any successor to the Purchaser under this Agreement
          as
          herein provided.

         

        Qualified
          Appraiser:
          An
          appraiser, duly appointed by the Seller, who had no interest, direct or
          indirect
          in the Mortgaged Property or in any loan made on the security thereof,
          and whose
          compensation is not affected by the approval or disapproval of the Mortgage
          Loan, and such appraiser and the appraisal made by such appraiser both
          satisfy
          the requirements of Title XI of the Financial Institutions Reform, Recovery,
          and
          Enforcement Act of 1989 and the regulations promulgated thereunder, all
          as in
          effect on the date the Mortgage Loan was originated.

         

        Qualified
          Correspondent:
          Any
          Person from which the Seller purchased Mortgage Loans, provided that the
          following conditions are satisfied: (i) such Mortgage Loans were originated
          pursuant to an agreement between the Seller and such Person that contemplated
          that such Person would underwrite mortgage loans from time to time, for
          sale to
          the Seller, in accordance with underwriting guidelines designated by the
          Seller
          (“Designated
          Guidelines”)
          or
          guidelines that do not vary materially from such Designated Guidelines;
          (ii) such Mortgage Loans were in fact underwritten as described in
          clause (i) above and were acquired by the Seller within one hundred
          eighty (180) days after origination; (iii) either (x) the
          Designated Guidelines were, at the time such Mortgage Loans were originated,
          used by the Seller in origination of mortgage loans of the same type as
          the
          Mortgage Loans for the Seller’s own account or (y) the Designated
          Guidelines were, at the time such Mortgage Loans were underwritten, designated
          by the Seller on a consistent basis for use by lenders in originating mortgage
          loans to be purchased by the Seller; and (iv) the Seller employed, at the
          time such Mortgage Loans were acquired by the Seller, pre-purchase or
          post-purchase quality assurance procedures (which may involve, among other
          things, review of a sample of mortgage loans purchased during a particular
          time
          period or through particular channels) designed to ensure that Persons
          from
          which it purchased mortgage loans properly applied the underwriting criteria
          designated by the Seller.

         

        Qualified
          Substitute Mortgage Loan:
          A
          mortgage loan eligible to be substituted by the Seller for a Deleted Mortgage
          Loan which must, on the date of such substitution, (i) have an outstanding
          principal balance, after deduction of all scheduled payments due in the
          month of
          substitution (or in the case of a substitution of more than one mortgage
          loan
          for a Deleted Mortgage Loan, an aggregate principal balance), not in excess
          of
          the outstanding principal balance of the Deleted Mortgage Loan; (ii) have
          a
          Mortgage Interest Rate not less than and not more than 1% greater than
          the
          Mortgage Interest Rate of the Deleted Mortgage Loan; (iii) have a remaining
          term
          to maturity not greater than and not more than one (1) year less than that
          of
          the Deleted Mortgage Loan (iv) be of the same type as the Deleted Mortgage
          Loan
          (i.e., fixed rate or adjustable rate with same Periodic Rate Cap, Lifetime
          Rate
          Cap, Index and lien priority); and (v) comply with each representation
          and
          warranty (respecting individual Mortgage Loans) set forth in Section
          9
          hereof.

         

        Rating
          Agency:
          Any of
          Fitch, Moody’s or Standard & Poor’s, or their respective successors
          designated by the Purchaser.

         

        Reconstitution:
          Any
          Securitization Transaction or Whole Loan Transfer.

         

        Reconstitution
          Agreements:
          The
          agreement or agreements entered into by the Seller and the Purchaser and/or
          certain third parties on the Reconstitution Date or Dates with respect
          to any or
          all of the Mortgage Loans sold hereunder, in connection with a Whole Loan
          Transfer, Agency Transfer or a Securitization Transaction pursuant to
Section 13,
          including, but not limited to, a seller’s warranties and servicing agreement
          with respect to a Whole Loan Transfer, and a pooling and servicing agreement
          and/or seller/servicer agreements and related custodial/trust agreement
          and
          documents with respect to a Securitization Transaction.

         

        Reconstitution
          Date:
          As
          defined in Section
          13.

         

        Regulation AB:
          Subpart 229.1100 - Asset Backed Securities (Regulation AB), 17 C.F.R.
§§ 229.1100-229.1123, as such may be amended from time to time, and subject
          to
          such clarification and interpretation as have been provided by the Commission
          in
          the adopting release (Asset-Backed Securities, Securities Act Release
          No. 33-8518, 70 Fed. Reg. 1,506, 1,531 (Jan. 7, 2005)) or by the
          staff of the Commission, or as may be provided by the Commission or its
          staff
          from time to time.

         

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

         

        REMIC
          Provisions:
          Provisions of the federal income tax law relating to a REMIC, which appear
          at
          Section 860A through 860G of Subchapter M of Chapter 1, Subtitle A of the
          Code,
          and related provisions and regulations, rulings or pronouncements promulgated
          thereunder, as the foregoing may be in effect from time to time.

         

        Repurchase
          Price:
          With
          respect to any Mortgage Loan for which a breach of a representation or
          warranty
          under this Agreement is found, a price equal to the outstanding principal
          balance of the Mortgage Loan to be repurchased as of the date of repurchase,
          plus accrued interest thereon at the Mortgage Interest Rate from the date
          on
          which interest had last been paid through the date of such repurchase,
          plus the
          amount of any outstanding advances owed to any servicer, plus all costs
          and
          expenses incurred by the Purchaser or any servicer arising out of or based
          upon
          such breach, including without limitation costs and expenses incurred in
          the
          enforcement of the Seller's repurchase obligation hereunder plus any costs
          and
          damages incurred by the related trust with respect to any securitization
          of the
          Mortgage Loan in connection with any violation by such Mortgage Loan of
          any
          predatory- or abusive-lending law.

         

        RESPA:
          Real
          Estate Settlement Procedures Act, as amended from time to time.

         

        Second
          Lien Mortgage Loan:
          A
          Mortgage Loan secured by a second lien Mortgage on the related Mortgaged
          Property.

         

        Securities
          Act:
          The
          Securities Act of 1933, as amended.

         

        Securitization
          Transaction:
          Any
          transaction involving either (1) a sale or other transfer of some or all of
          the Mortgage Loans directly or indirectly to an issuing entity in connection
          with an issuance of publicly offered or privately placed, rated or unrated
          mortgage-backed securities or (2) an issuance of publicly offered or
          privately placed, rated or unrated securities, the payments on which are
          determined primarily by reference to one or more portfolios of residential
          mortgage loans consisting, in whole or in part, of some or all of the Mortgage
          Loans.

         

        Seller:
          Greenpoint Mortgage Funding, Inc., its successors in interest and
          assigns.

         

        Seller
          Information:
          As
          defined in Subsection 33.04(a).

         

        Servicing
          Fee:
          With
          respect to each Mortgage Loan subject to the Interim Servicing Agreement,
          an
          amount per month as set forth in the Interim Servicing Agreement.

         

        Servicing
          File:
          With
          respect to each Mortgage Loan, the file retained by the Seller consisting
          of
          originals of all documents in the Mortgage File which are not delivered
          to the
          Purchaser or the Custodian and copies of the Mortgage Loan Documents set
          forth
          in as provided in Subsection
          6.03
          hereof.

         

        Servicing
          Transfer Representation:
          Each
          representation set forth in Subsections 9.02(b), (c), (d), (f), (h), the
          last
          sentence of (p), (q), (r), (z), (hh), (ii), (kk), (ll), (mm), (rr), (ss),
          (uu),
          (nnn)(3) and (nnn)(4).

         

        Servicing
          Rights:
          Any and
          all of the following: (a) any and all rights to service the Mortgage Loans;
          (b)
          any payments to or monies received by the Seller for servicing the Mortgage
          Loans; (c) any late fees, penalties or similar payments with respect to
          the
          Mortgage Loans but not including any Prepayment Penalties; (d) all agreements
          or
          documents creating, defining or evidencing any such servicing rights to
          the
          extent they relate to such servicing rights and all rights of the Seller
          thereunder; (e) Escrow Payments or other similar payments with respect
          to the
          Mortgage Loans and any amounts actually collected by the Seller with respect
          thereto; (f) all accounts and other rights to payment related to any of
          the
          property described in this paragraph; and (g) any and all documents, files,
          records, servicing files, servicing documents, servicing records, data
          tapes,
          computer records, or other information pertaining to the Mortgage Loans
          or
          pertaining to the past, present or prospective servicing of the Mortgage
          Loans.

         

        Sponsor:
          The
          sponsor, as such term is defined in Regulation AB, with respect to any
          Securitization Transaction.

         

        Standard
          & Poor’s:
          Standard & Poor’s Rating Services, a division of The McGraw-Hill Companies
          Inc., and its successors in interest.

         

        Standard
          & Poor’s Glossary:
          The
          Standard & Poor’s LEVELS® Glossary, as may be in effect from time to
          time.

         

        Stated
          Principal Balance:
          As to
          each Mortgage Loan, (i) the principal balance of the Mortgage Loan at the
          related Cut-off Date after giving effect to payments of principal due on
          or
          before such date, to the extent received, minus (ii) all amounts previously
          distributed to the Purchaser with respect to the related Mortgage Loan
          representing payments or recoveries of principal or advances in lieu
          thereof.

         

        Static
          Pool Information:
          Static
          pool information as described in Item 1105(a)(1)-(3) and 1105(c) of
          Regulation AB.

         

        Successor
          Servicer:
          A
          servicer designated by the Purchaser pursuant to Section 8
          and Subsection 9.03
          which is
          entitled to the benefits of the indemnifications set forth in Subsections 9.03
          and
14.01.

         

        Third-Party
          Originator:
          Each
          Person, other than a Qualified Correspondent, that originated Mortgage
          Loans
          acquired by the Seller.

         

        Trade
          Confirmation:
          With
          respect to each purchase of a Mortgage Loan Package hereunder, that certain
          letter agreement setting forth the general terms and conditions of such
          transaction consummated herein and identifying the Mortgage Loans to be
          purchased hereunder, by and between the Seller and the Purchaser.

         

        Transfer
          Date:
          With
          respect to each Mortgage Loan, (a) the date set forth in the related Trade
          Confirmation or (b) such other date as mutually agreed by the Seller and
          the
          Purchaser.

         

        Underwriting
          Guidelines:
          With
          respect to any Mortgage Loan, the underwriting guidelines of the Seller
          relating
          to such Mortgage Loan that will be delivered to the Purchaser as part of
          the
          Credit File.

         

        Whole
          Loan Agreement:
          Any
          Reconstitution Agreement in respect of a Whole Loan Transfer.

         

        Whole
          Loan Transfer:
          Any
          sale or transfer of some or all of the Mortgage Loans, other than a
          Securitization Transaction.

         

        SECTION
          2.  Agreement
          to Purchase.

         

        The
          Seller, on each related Closing Date, agrees to sell, and the Purchaser
          agrees
          to purchase, Mortgage Loans having an aggregate principal balance on the
          related
          Cut-off Date in an amount as set forth in the related Trade Confirmation,
          or in
          such other amount as agreed by the Purchaser and the Seller as evidenced
          by the
          aggregate principal balance of the Mortgage Loans accepted by the Purchaser
          on
          the related Closing Date.

         

        SECTION
          3.  Mortgage
          Schedules.

         

        The
          Seller shall provide the Purchaser with certain information constituting
          a
          preliminary listing of the Mortgage Loans to be purchased on the related
          Closing
          Date in accordance with the related Trade Confirmation and this Agreement
          (a
“Preliminary
          Mortgage Schedule”).

         

        The
          Seller shall deliver the related Mortgage Loan Schedule for the Mortgage
          Loans
          to be purchased on the related Closing Date to the Purchaser at least two
          (2)
          Business Days prior to the related Closing Date. The related Mortgage Loan
          Schedule shall be the Preliminary Mortgage Schedule with those Mortgage
          Loans
          which have not been funded prior to the related Closing Date
          deleted.

         

        SECTION
          4.  Purchase
          Price.

         

        The
          Purchase Price for each Mortgage Loan shall be the percentage of par as
          stated
          in the related Trade Confirmation (subject to adjustment as provided therein),
          multiplied by the Stated Principal Balance, as of the related Cut-off Date,
          of
          the Mortgage Loans, after application of payments of principal actually
          received
          on or before the related Cut-off Date.

         

        In
          addition to the Purchase Price as described above, the Purchaser shall
          pay to
          the Seller, on the related Closing Date, accrued interest on the Stated
          Principal Balance of the related Mortgage Loans as of the related Cut-off
          Date
          at the weighted average Mortgage Interest Rate of those Mortgage Loans
          from the
          date interest was paid through on the Mortgage Loan through the day prior
          to the
          related Closing Date, inclusive. The Purchase Price plus accrued interest
          as set
          forth in the preceding paragraph shall be paid to the Seller by wire transfer
          of
          immediately available funds to an account designated by the Seller in
          writing.

         

        The
          Purchaser shall be entitled to (1) all principal received after the related
          Cut-off Date, (2) all other recoveries of late charges, prepayment penalties,
          assumption fees or other charges collected after the related Cut-off Date,
          and
          (3) all payments of interest on the Mortgage Loans at the Mortgage Interest
          Rate.

         

        SECTION
          5.  Examination
          of Mortgage Files.

         

        No
          later
          than ten (10) Business Days after the date of the related Trade Confirmation,
          the Seller shall deliver to the Purchaser or its designee in escrow, for
          examination with respect to each Mortgage Loan in the related Mortgage
          Loan
          Package to be purchased, the related Mortgage File, including a copy of
          the
          Assignment of Mortgage, pertaining to each Mortgage Loan.

         

        No
          later
          than five (5) Business Days after the date of the related Trade Confirmation,
          with respect to each Mortgage Loan in the related Mortgage Loan Package
          to be
          purchased that the Purchaser in its sole discretion has determined to examine
          in
          connection with its due diligence review, the Seller shall make copies of
          the related Servicing Files and Credit Files available to the Purchaser
          for
          examination at such location as shall be acceptable to the
          Purchaser.

         

        Such
          examination of the Mortgage Files may be made by the Purchaser or its designee
          at any reasonable time before or after the related Closing Date. If the
          Purchaser makes such examination prior to the related Closing Date and
          determines, in its sole discretion, that any Mortgage Loans are unacceptable
          to
          the Purchaser for any reason, such Mortgage Loans shall be deleted from
          the
          related Mortgage Loan Schedule, and may be replaced by a Qualified Substitute
          Mortgage Loan (or Loans) acceptable to the Purchaser. The Purchaser may,
          at its
          option and without notice to the Seller, purchase some or all of the Mortgage
          Loans without conducting any partial or complete examination. The fact
          that the
          Purchaser or its designee has conducted or has failed to conduct any partial
          or
          complete examination of the Mortgage Files or the Credit Files shall not
          affect
          the Purchaser’s (or any of its successor’s) rights to demand repurchase,
          substitution or other relief as provided herein.

         

        In
          the
          event that the Seller fails to deliver the Credit Files with respect to
          any
          Mortgage Loan after the related Closing Date, the Seller shall, upon the
          request
          of the Purchaser, repurchase such Mortgage Loan at the price and in the
          manner
          specified in Subsection
          9.03.

         

        SECTION
          6.  Conveyance
          from Seller to Purchaser.

         

        Subsection
          6.01  Conveyance
          of Mortgage Loans.

         

        The
          Seller, on each related Closing Date, does hereby sell, transfer, assign,
          set
          over and convey to the Purchaser, without recourse, but subject to the
          terms of
          this Agreement, all rights, title and interest of the Seller in and to
          the
          Mortgage Loans in the related Mortgage Loan Package, and the Mortgage Files
          and
          all rights and obligations arising under the documents contained therein
          for
          each Mortgage Loan in the related Mortgage Loan Package.

         

        Subsection
          6.02  Books
          and
          Records.

         

        Record
          title to each Mortgage as of the related Closing Date shall be in the name
          of
          MERS, the Seller, an Affiliate of the Seller, the Purchaser or one or more
          designees of the Purchaser, as the Purchaser shall select. Notwithstanding
          the
          foregoing, each Mortgage and related Mortgage Note shall be possessed solely
          by
          the Purchaser or the appropriate designee of the Purchaser, as the case
          may be.
          All rights arising out of the Mortgage Loans including, but not limited
          to, all
          funds received by the Seller after the related Cut-off Date on or in connection
          with a Mortgage Loan shall be vested in the Purchaser or one or more designees
          of the Purchaser; provided, however, that all funds received on or in connection
          with a Mortgage Loan shall be received and held by the Seller in trust
          for the
          benefit of the Purchaser or the appropriate designee of the Purchaser,
          as the
          case may be, as the owner of the Mortgage Loans pursuant to the terms of
          this
          Agreement.

         

        The
          sale
          of each Mortgage Loan shall be reflected on the Seller’s balance sheet and other
          financial statements as a sale of assets by the Seller.

         

        The
          Seller shall be responsible for maintaining, and shall maintain, a complete
          set
          of books and records for each Mortgage Loan which shall be marked clearly
          to
          reflect the ownership of each Mortgage Loan by the Purchaser. In particular,
          the
          Seller shall maintain in its possession, available for inspection by the
          Purchaser, and shall deliver to the Purchaser upon demand, evidence of
          compliance with all federal, state and local laws, rules and regulations,
          and
          requirements of Fannie Mae or Freddie Mac, including but not limited to
          documentation as to the method used in determining the applicability of
          the
          provisions of the National Flood Insurance Act of 1968, as amended, to
          the
          Mortgaged Property, documentation evidencing insurance coverage and periodic
          inspection reports, as required by the Fannie Mae Guides. To the extent
          that
          original documents are not required for purposes of realization of Liquidation
          Proceeds or Insurance Proceeds, documents maintained by the Seller may
          be in the
          form of microfilm or microfiche so long as the Seller complies with the
          requirements of the Fannie Mae Guides.

         

        Subsection
          6.03  Delivery
          of Mortgage Loan Documents.

         

        The
          Seller shall deliver and release to the Custodian no later than ten (10)
          Business Days after the date of the related Trade Confirmation, the Mortgage
          Files with respect to each Mortgage Loan in the related Mortgage Loan
          Package.

         

        The
          Custodian shall certify its receipt of all such Mortgage Loan Documents
          required
          to be delivered pursuant to the Custodial Agreement for the related Closing
          Date, as evidenced by the Initial Certification of the Custodian in the
          form
          annexed to the Custodial Agreement.

         

        The
          Seller shall forward to the Custodian, or to such other Person as the Purchaser
          shall designate in writing, original documents evidencing an assumption,
          modification, consolidation or extension of any Mortgage Loan entered into
          in
          accordance with this Agreement within two (2) weeks of their execution,
          provided, however, that the Seller shall provide the Custodian, or to such
          other
          Person as the Purchaser shall designate in writing, with a certified true
          copy
          of any such document submitted for recordation within two (2) weeks of
          its
          execution, and shall promptly provide the original of any document submitted
          for
          recordation or a copy of such document certified by the appropriate public
          recording office to be a true and complete copy of the original within
          one
          hundred and twenty (120) days of its submission for recordation.

         

        In
          the
          event any document listed on Exhibit
          A
          as
          constituting a part of the Mortgage Files and required to be delivered
          to the
          Custodian pursuant to this Subsection
          6.03,
          including an original or copy of any document submitted for recordation
          to the
          appropriate public recording office, is not so delivered to the Custodian,
          or to
          such other Person as the Purchaser shall designate in writing, on the related
          Closing Date (other than with respect to the Assignments of Mortgage which
          shall
          be delivered to the Custodian in blank on or prior to the related Closing
          Date
          and recorded subsequently by the Purchaser or its designee or documents
          submitted for recordation to the appropriate public recording office),
          and in
          the event that the Seller does not cure such failure within thirty (30)
          days of
          discovery or receipt of written notification of such failure from the Purchaser,
          the related Mortgage Loan shall, upon the request of the Purchaser, be
          repurchased by the Seller at the price and in the manner specified in
Subsection
          9.03.
          The
          foregoing repurchase obligation shall not apply in the event that the Seller
          cannot deliver an original document submitted for recordation to the appropriate
          public recording office within the specified period due to a delay caused
          by the
          recording office in the applicable jurisdiction; provided that (i) the
          Seller
          shall instead deliver a recording receipt of such recording office or,
          if such
          recording receipt is not available, an officer’s certificate of an officer of
          the Seller, confirming that such documents have been accepted for recording;
          provided that, upon request of the Purchaser and delivery by the Purchaser
          to
          the Seller of a schedule of the Mortgage Loans, the Seller shall reissue
          and
          deliver to the Purchaser or its designee said officer’s certificate and (ii)
          such document is delivered within twelve (12) months of the related Closing
          Date.

         

        The
          Seller shall pay all initial recording, registration or transfer fees,
          if any,
          for the assignments of mortgage and any other fees or costs in transferring
          all
          original documents to the Custodian or, upon written request of the Purchaser,
          to the Purchaser or the Purchaser’s designee. The Purchaser or the Purchaser’s
          designee shall be responsible for recording the Assignments of Mortgage
          and
          shall be reimbursed by the Seller for the costs associated therewith pursuant
          to
          the preceding sentence.

         

        Subsection
          6.04  Quality
          Control Procedures.

         

        The
          Seller shall have an internal quality control program that verifies, on
          a
          regular basis, the existence and accuracy of the legal documents, credit
          documents, property appraisals, and underwriting decisions. The program
          shall
          include evaluating and monitoring the overall quality of the Seller’s loan
          production and the servicing activities of the Seller. The program is to
          ensure
          that the Mortgage Loans are originated and serviced in accordance with
          Accepted
          Servicing Standards and the Underwriting Guidelines; guard against dishonest,
          fraudulent, or negligent acts; and guard against errors and omissions by
          officers, employees, or other authorized persons.

         

        SECTION
          7.  Servicing
          of the Mortgage Loans.

         

        The
          Mortgage Loans have been sold by the Seller to the Purchaser on a servicing
          released basis. Subject to and upon the terms and conditions of this Agreement,
          the Seller hereby sells, transfers, assigns, conveys and delivers to the
          Purchaser the Servicing Rights.

         

        The
          Purchaser shall retain the Seller as contract servicer of the Mortgage
          Loans for
          an interim period pursuant to and in accordance with the terms and conditions
          contained in the Interim Servicing Agreement (with respect to each Mortgage
          Loan, for an interim period, as specified therein). The Purchaser and Seller
          shall execute the Interim Servicing Agreement on the date hereof. Pursuant
          to
          the Interim Servicing Agreement, the Seller shall begin servicing the Mortgage
          Loans on behalf of the Purchaser and shall be entitled to the Servicing
          Fee with
          respect to such Mortgage Loans from the related Closing Date until the
          related
          Transfer Date.

         

        SECTION
          8.  Transfer
          of Servicing.

         

        On
          the
          related Transfer Date, the Purchaser, or its designee, shall assume all
          servicing responsibilities related to, and the Seller shall cease all servicing
          responsibilities related to the Mortgage Loans. The related Transfer Date
          shall
          be the date determined in accordance with the Interim Servicing Agreement
          (with
          respect to each Mortgage Loan, for an interim period, as specified
          therein).

         

        On
          or
          prior to the related Transfer Date, the Seller shall, at its sole cost
          and
          expense, take such steps as may be necessary or appropriate to effectuate
          and
          evidence the transfer of the servicing of the related Mortgage Loans to
          the
          Successor Servicer, including but not limited to the following:

         

        (a)  Notice
          to Mortgagors.
          The
          Seller shall mail to the Mortgagor of each related Mortgage Loan a letter
          advising such Mortgagor of the transfer of the servicing of the related
          Mortgage
          Loan to the Purchaser, or its designee, in accordance with the Cranston
          Gonzales
          National Affordable Housing Act of 1990, as amended; provided, however,
          the
          content and format of the letter shall have the prior approval of the Purchaser.
          The Seller shall provide the Purchaser with copies of all such related
          notices
          no later than the related Transfer Date.

         

        (b)  Notice
          to Taxing Authorities and Insurance Companies.
          The
          Seller shall transmit to the applicable taxing authorities and insurance
          companies (including primary mortgage insurance policy insurers, if applicable)
          and/or agents, notification of the transfer of the servicing to the Purchaser,
          or its designee, and instructions to deliver all notices, tax bills and
          insurance statements, as the case may be, to the Purchaser or its designee
          from
          and after the related Transfer Date. The Seller shall provide the Purchaser
          and
          its designee with copies of all such notices no later than the related
          Transfer
          Date.

         

        (c)  Delivery
          of Servicing Records.
          The
          Seller shall forward to the Purchaser, or its designee, all servicing records
          and the Servicing File in the Seller’s possession relating to each related
          Mortgage Loan including the information enumerated in the Interim Servicing
          Agreement (with respect to each such Mortgage Loan, for an interim period,
          as
          specified therein).

         

        (d)  Escrow
          Payments.
          The
          Seller shall provide the Purchaser, or its designee, with immediately available
          funds by wire transfer in the amount of the net Escrow Payments and suspense
          balances and all loss draft balances associated with the related Mortgage
          Loans.
          The Seller shall provide the Purchaser with an accounting statement of
          Escrow
          Payments and suspense balances and loss draft balances sufficient to enable
          the
          Purchaser to reconcile the amount of such payment with the accounts of
          the
          Mortgage Loans. Additionally, the Seller shall wire transfer to the Purchaser
          the amount of any agency, trustee or prepaid Mortgage Loan payments and
          all
          other similar amounts held by the Seller.

         

        (e)  Payoffs
          and Assumptions.
          The
          Seller shall provide to the Purchaser, or its designee, copies of all assumption
          and payoff statements generated by the Seller on the related Mortgage Loans
          from
          the related Cut-off Date to the related Transfer Date.

         

        (f)  Mortgage
          Payments Received Prior to Transfer Date.
          Prior
          to the related Transfer Date all payments received by the Seller on each
          related
          Mortgage Loan shall be properly applied to the account of the particular
          Mortgagor.

         

        (g)  Mortgage
          Payments Received After Transfer Date.
          The
          amount of any related Monthly Payments received by the Seller after the
          related
          Transfer Date shall be forwarded to the Purchaser by overnight mail on
          or prior
          to the date which is one (1) Business Day after the date of receipt. The
          Seller
          shall notify the Purchaser of the particulars of the payment, which notification
          requirement shall be satisfied if the Seller forwards with its payment
          sufficient information to permit appropriate processing of the payment
          by the
          Purchaser. The Seller shall assume full responsibility for the necessary
          and
          appropriate legal application of such Monthly Payments received by the
          Seller
          after the related Transfer Date with respect to related Mortgage Loans
          then in
          foreclosure or bankruptcy; provided, for purposes of this Agreement, necessary
          and appropriate legal application of such Monthly Payments shall include,
          but
          not be limited to, endorsement of a Monthly Payment to the Purchaser with
          the
          particulars of the payment such as the account number, dollar amount, date
          received and any special Mortgagor application instructions and the Seller
          shall
          comply with the foregoing requirements with respect to all Monthly Payments
          received by the it after the related Transfer Date.

         

        (h)  Misapplied
          Payments.
          Misapplied payments shall be processed as follows:

         

        1.  All
          parties shall cooperate in correcting misapplication errors;

         

        2.  The
          party
          receiving notice of a misapplied payment occurring prior to the related
          Transfer
          Date and discovered after the related Transfer Date shall immediately notify
          the
          other party;

         

        3.  If
          a
          misapplied payment which occurred prior to the related Transfer Date cannot
          be
          identified and said misapplied payment has resulted in a shortage in a
          Custodial
          Account or Escrow Account, the Seller shall be liable for the amount of
          such
          shortage. The Seller shall reimburse the Purchaser for the amount of such
          shortage within thirty (30) days after receipt of written demand therefor
          from the Purchaser;

         

        4.  If
          a
          misapplied payment which occurred prior to the related Transfer Date has
          created
          an improper Purchase Price as the result of an inaccurate outstanding principal
          balance, a check shall be issued to the party shorted by the improper payment
          application within five (5) Business Days after notice thereof by the other
          party; and

         

        5.  Any
          check
          issued under the provisions of this Section
          8(h)
          shall be
          accompanied by a statement indicating the corresponding Seller and/or the
          Purchaser Mortgage Loan identification number and an explanation of the
          allocation of any such payments.

         

        (i)  Books
          and Records.
          On the
          related Transfer Date, the books, records and accounts of the Seller with
          respect to the related Mortgage Loans shall be in accordance with all Accepted
          Servicing Practices.

         

        (j)  Reconciliation.
          The
          Seller shall on or before the related Transfer Date, reconcile principal
          balances and make any monetary adjustments necessary to accurately and
          correctly
          reconcile all servicing activities with respect to such Mortgage Loan,
          including
          all payments received and all advances made relating to such Mortgage Loan.
          Any
          such monetary adjustments will be transferred between the Seller and the
          Purchaser as appropriate.

         

        (k)  IRS
          Forms.
          The
          Seller shall file all IRS Forms 1099, 1099A, 1098 or 1041 and K-1 which are
          required to be filed on or before the related Transfer Date in relation
          to the
          servicing and ownership of the related Mortgage Loans. The Seller shall
          provide
          copies of such forms to the Purchaser upon request and shall reimburse
          the
          Purchaser for any costs or penalties incurred by the Purchaser due to the
          Seller’s failure to comply with this paragraph.

         

        SECTION
          9.  Representations,
          Warranties and Covenants of the Seller; Remedies for Breach.

         

        Subsection
          9.01  Representations
          and Warranties Regarding the Seller.

         

        The
          Seller represents, warrants and covenants to the Purchaser, its successors
          and
          assigns and the Successor Servicer that as of the date hereof and as of
          each
          Closing Date:

         

        (a)  Due
          Organization and Authority.
          The
          Seller is a corporation duly organized, validly existing and in good standing
          under the laws of the state of New York and has all licenses necessary
          to carry
          on its business as now being conducted and is licensed, qualified and in
          good
          standing in each state wherein it owns or leases any material properties
          or
          where a Mortgaged Property is located, if the laws of such state require
          licensing or qualification in order to conduct business of the type conducted
          by
          the Seller, and in any event the Seller is in compliance with the laws
          of any
          such state to the extent necessary to ensure the enforceability of the
          related
          Mortgage Loan in accordance with the terms of this Agreement; the Seller
          has the
          full power, authority and legal right to hold, transfer and convey the
          Mortgage
          Loans and to execute and deliver this Agreement and to perform its obligations
          hereunder; the execution, delivery and performance of this Agreement (including
          all instruments of transfer to be delivered pursuant to this Agreement)
          by the
          Seller and the consummation of the transactions contemplated hereby have
          been
          duly and validly authorized; this Agreement and all agreements contemplated
          hereby have been duly executed and delivered and constitute the valid,
          legal,
          binding and enforceable obligations of the Seller, regardless of whether
          such
          enforcement is sought in a proceeding in equity or at law; and all requisite
          corporate action has been taken by the Seller to make this Agreement and
          all
          agreements contemplated hereby valid and binding upon the Seller in accordance
          with their terms;

         

        (b)  Ordinary
          Course of Business.
          The
          consummation of the transactions contemplated by this Agreement are in
          the
          ordinary course of business of the Seller, and the transfer, assignment
          and
          conveyance of the Mortgage Notes and the Mortgages by the Seller pursuant
          to
          this Agreement are not subject to the bulk transfer or any similar statutory
          provisions in effect in any applicable jurisdiction;

         

        (c)  No
          Conflicts.
          Neither
          the execution and delivery of this Agreement, the acquisition or origination
          of
          the Mortgage Loans by the Seller, the sale of the Mortgage Loans to the
          Purchaser, the consummation of the transactions contemplated hereby, nor
          the
          fulfillment of or compliance with the terms and conditions of this Agreement,
          will conflict with or result in a breach of any of the terms, conditions
          or
          provisions of the Seller’s charter or by-laws or other organizational documents
          or any legal restriction or any agreement or instrument to which the Seller
          is
          now a party or by which it is bound, or constitute a default or result
          in an
          acceleration under any of the foregoing, or result in the violation of
          any law,
          rule, regulation, order, judgment or decree to which the Seller or its
          property
          is subject, or result in the creation or imposition of any lien, charge
          or
          encumbrance that would have an adverse effect upon any of its properties
          pursuant to the terms of any mortgage, contract, deed of trust or other
          instrument, or impair the ability of the Purchaser to realize on the Mortgage
          Loans, impair the value of the Mortgage Loans, or impair the ability of
          the
          Purchaser to realize the full amount of any insurance benefits accruing
          pursuant
          to this Agreement;

         

        (d)  Ability
          To Perform; Solvency.
          The
          Seller does not believe, nor does it have any reason or cause to believe,
          that
          it cannot perform each and every covenant contained in this Agreement.
          The
          Seller is solvent and the sale of the Mortgage Loans will not cause the
          Seller
          to become insolvent. The sale of the Mortgage Loans is not undertaken with
          the
          intent to hinder, delay or defraud any of Seller’s creditors;

         

        (e)  No
          Litigation Pending.
          There
          is no action, suit, proceeding or investigation pending or threatened against
          the Seller, before any court, administrative agency or other tribunal asserting
          the invalidity of this Agreement, seeking to prevent the consummation of
          any of
          the transactions contemplated by this Agreement or which, either in any
          one
          instance or in the aggregate, may result in any material adverse change
          in the
          business, operations, financial condition, properties or assets of the
          Seller,
          or in any material impairment of the right or ability of the Seller to
          carry on
          its business substantially as now conducted, or in any material liability
          on the
          part of the Seller, or which would draw into question the validity of this
          Agreement or the Mortgage Loans or of any action taken or to be taken in
          connection with the obligations of the Seller contemplated herein, or which
          would be likely to impair materially the ability of the Seller to perform
          under
          the terms of this Agreement. There is no action, suit, proceeding or
          investigation pending against the Seller with respect to the Mortgage Loans
          relating to fraud, predatory lending, servicing or closing
          practices;

         

        (f)  No
          Consent Required.
          No
          consent, approval, authorization or order of, or registration or filing
          with, or
          notice to any court or governmental agency or body including HUD, the FHA
          or the
          VA is required for the execution, delivery and performance by the Seller
          of or
          compliance by the Seller with this Agreement or the Mortgage Loans, the
          delivery
          of a portion of the Mortgage Files to the Custodian or the sale of the
          Mortgage
          Loans or the consummation of the transactions contemplated by this Agreement,
          or
          if required, such approval has been obtained prior to the related Closing
          Date;

         

        (g)  Selection
          Process.
          The
          Mortgage Loans were selected from among the outstanding one- to four-family
          mortgage loans in the Seller’s portfolio at the related Closing Date as to which
          the representations and warranties set forth in Subsection
          9.02
          could be
          made and such selection was not made in a manner so as to affect adversely
          the
          interests of the Purchaser;

         

        (h)  Delivery
          to the Custodian.
          The
          Mortgage Note, the Mortgage, the Assignment of Mortgage and any other documents
          required to be delivered with respect to each Mortgage Loan pursuant to
          the
          Custodial Agreement, and any other documents required to be delivered with
          respect to each Mortgage Loan pursuant to Subsection
          6.03
          hereof,
          shall be delivered to the Custodian. With respect to each Mortgage Loan,
          the
          Seller will be in possession of a complete Mortgage File in compliance
          with
Exhibit A
          hereto,
          except for such documents as will be delivered to the Custodian;

         

        (i)  Mortgage
          Loan Characteristics.
          The
          characteristics of the Mortgage Loans are as set forth on the description
          of the
          pool characteristics for the Mortgage Loans delivered pursuant to Section 11
          on the
          related Closing Date;

         

        (j)  No
          Untrue Information.
          Neither
          this Agreement nor any information, statement, tape, diskette, report,
          form, or
          other document furnished or to be furnished pursuant to this Agreement
          or any
          Reconstitution Agreement or in connection with the transactions contemplated
          hereby (including any Securitization Transaction, Whole Loan Transfer or
          Agency
          Transfer) contains or will contain any untrue statement of material fact
          or
          omits or will omit to state a material fact necessary to make the statements
          contained herein or therein not misleading;

         

        (k)  Financial
          Statements.
          The
          Seller has delivered to the Purchaser financial statements as to its last
          two
          (2) complete fiscal years and any later quarter ended more than sixty (60)
          days
          prior to the execution of this Agreement. All such financial statements
          fairly
          present the pertinent results of operations and changes in financial position
          for each of such periods and the financial position at the end of each
          such
          period of the Seller and its subsidiaries and have been prepared in accordance
          with generally accepted accounting principles consistently applied throughout
          the periods involved, except as set forth in the notes thereto. There has
          been
          no change in the business, operations, financial condition, properties
          or assets
          of the Seller since the date of the Seller’s financial statements that would
          have a material adverse effect on its ability to perform its obligations
          under
          this Agreement. The Seller has completed any forms requested by the Purchaser
          in
          a timely manner and in accordance with the provided instructions;

         

        (l)  Loan
          Experience.
          The
          Seller has delivered information as to its loan gain and loss experience
          in
          respect of foreclosures, its loan delinquency experience for the immediately
          preceding three-year period, prepayment speed and individual loan loss
          severities and delinquency histories for at least the immediately preceding
          year, in each case with respect to mortgage loans owned by it and such
          mortgage
          loans serviced for others during such period, and all such information
          so
          delivered shall be true and correct in all material respects;

         

        (m)  No
          Brokers.
          The
          Seller has not dealt with any broker, investment banker, agent or other
          person
          that may be entitled to any commission or compensation in connection with
          the
          sale of the Mortgage Loans;

         

        (n)  Sale
          Treatment.
          The
          Seller intends to reflect the transfer of the Mortgage Loans as a sale
          on the
          books and records of the Seller and the Seller has determined that the
          disposition of the Mortgage Loans pursuant to this Agreement will be afforded
          sale treatment for tax and accounting purposes;

         

        (o)  Owner
          of Record.
          Except
          for a MERS Designated Mortgage Loan, the Seller is the owner of record
          of each
          Mortgage and the indebtedness evidenced by each Mortgage Note, except for
          any
          Assignments of Mortgage which have been sent for recording, and upon recordation
          the Seller will be the owner of record of each Mortgage and the indebtedness
          evidenced by each Mortgage Note, and upon the sale of the Mortgage Loans
          to the
          Purchaser, the Seller will retain the Mortgage Files with respect thereto
          in
          trust only for the purpose of servicing and supervising the servicing of
          each
          Mortgage Loan;

         

        (p)  Reasonable
          Purchase Price.
          The
          Seller deems the consideration received upon the sale of the Mortgage Loans
          under this Agreement to be fair consideration and reasonably equivalent
          value
          for the Mortgage Loans;

         

        (q)  Seller’s
          Origination.
          The
          Seller’s decision to originate any mortgage loan or to deny any mortgage loan
          application is an independent decision based upon Seller’s Underwriting
          Guidelines, and is in no way made as a result of Purchaser’s decision to
          purchase, or not to purchase, or the price Purchaser may offer to pay for,
          any
          such mortgage loan, if originated; 

         

        (r)  Reports.
          On or
          prior to the date which is two (2) Business Days after the related Closing
          Date,
          Seller will provide the Custodian and the Purchaser with a MERS Report
          reflecting the Purchaser as the Investor with respect to each MERS Designated
          Mortgage Loan and no Person as Interim Funder for each MERS Designated
          Mortgage
          Loan; and

         

        (s)  MERS
          Designations.
          With
          respect to each MERS Designated Mortgage Loan, on the related Closing Date,
          the
          Seller has initiated the process of designating the Purchaser as the Investor
          on
          the MERS® System. With respect to each MERS Designated Mortgage Loan, no Person
          is listed as Interim Funder on the MERS® System.

         

        Subsection
          9.02  Representations
          and Warranties Regarding Individual Mortgage Loans.

         

        The
          Seller hereby represents and warrants to the Purchaser, its successors
          and
          assigns and the Successor Servicer that, as to each Mortgage Loan, as of
          the
          related Closing Date for such Mortgage Loan:

         

        (a)  Mortgage
          Loans as Described.
          The
          information set forth in the related Mortgage Loan Schedule is complete,
          true
          and correct;

         

        (b)  Payments
          Current.
          All
          payments required to be made up to the related Closing Date for the Mortgage
          Loan under the terms of the Mortgage Note, other than payments for which
          the
          related due date was not thirty (30) or more days prior to the related
          Closing
          Date, have been made and credited. No Mortgage Loan has been delinquent
          for
          thirty (30) or more days at any time since the origination of the Mortgage
          Loan.
          The first Monthly Payment shall be made with respect to the Mortgage Loan
          on its
          Due Date or within the grace period, all in accordance with the terms of
          the
          related Mortgage Note;

         

        (c)  No
          Outstanding Charges.
          There
          are no defaults in complying with the terms of the Mortgage, and all taxes,
          governmental assessments, insurance premiums, water, sewer and municipal
          charges, leasehold payments or ground rents which previously became due
          and
          owing have been paid, or an escrow of funds has been established in an
          amount
          sufficient to pay for every such item which remains unpaid and which has
          been
          assessed but is not yet due and payable. The Seller has not advanced funds,
          or
          induced, solicited or knowingly received any advance of funds by a party
          other
          than the Mortgagor, directly or indirectly, for the payment of any amount
          required under the Mortgage Loan, except for interest accruing from the
          date of
          the Mortgage Note or date of disbursement of the Mortgage Loan proceeds,
          whichever is earlier, to the day which precedes by one (1) month the Due
          Date of
          the first installment of principal and interest;

         

        (d)  Original
          Terms Unmodified.
          The
          terms of the Mortgage Note and Mortgage have not been impaired, waived,
          altered
          or modified in any respect, from the date of origination except by a written
          instrument which has been recorded, if necessary to protect the interests
          of the
          Purchaser, and which has been delivered to the Custodian or to such other
          Person
          as the Purchaser shall designate in writing, and the terms of which are
          reflected in the related Mortgage Loan Schedule and such written instruments
          are
          included in the Mortgage File. No Mortgage Loan has been modified so as
          to
          restructure the payment obligations or re-age the Mortgage Loan. The substance
          of any such waiver, alteration or modification has been approved by the
          title
          insurer, if any, to the extent required by the policy, and its terms are
          reflected on the related Mortgage Loan Schedule, if applicable. No Mortgagor
          has
          been released, in whole or in part, except in connection with an assumption
          agreement, approved by the issuer of the title insurer, to the extent required
          by the policy, and which assumption agreement is part of the Mortgage Loan
          File
          delivered to the Custodian or to such other Person as the Purchaser shall
          designate in writing and the terms of which are reflected in the related
          Mortgage Loan Schedule;

         

        (e)  No
          Defenses.
          The
          Mortgage Loan is not subject to any right of rescission, set-off, counterclaim
          or defense, including without limitation the defense of usury, nor will
          the
          operation of any of the terms of the Mortgage Note or the Mortgage, or
          the
          exercise of any right thereunder, render either the Mortgage Note or the
          Mortgage unenforceable, in whole or in part, or subject to any right of
          rescission, set-off, counterclaim or defense, including without limitation
          the
          defense of usury, and no such right of rescission, set-off, counterclaim
          or
          defense has been asserted with respect thereto, and no Mortgagor was a
          debtor in
          any state or federal bankruptcy or insolvency proceeding at the time the
          Mortgage Loan was originated;

         

        (f)  Hazard
          Insurance.
          Pursuant to the terms of the Mortgage, all buildings or other improvements
          upon
          the Mortgaged Property are insured by a generally acceptable insurer against
          loss by fire, hazards of extended coverage and such other hazards as are
          provided for in the Fannie Mae Guides or by Freddie Mac, as well as all
          additional requirements set forth in Section
          2.10
          of the
          Interim Servicing Agreement. If required by the National Flood Insurance
          Act of
          1968, as amended, each Mortgage Loan is covered by a flood insurance policy
          meeting the requirements of the current guidelines of the Federal Insurance
          Administration is in effect which policy conforms to Fannie Mae and Freddie
          Mac,
          as well as all additional requirements set forth in Section
          2.10
          of the
          Interim Servicing Agreement. All individual insurance policies contain
          a
          standard mortgagee clause naming the Seller and its successors and assigns
          as
          mortgagee, and all premiums thereon have been paid. The Mortgage obligates
          the
          Mortgagor thereunder to maintain the hazard insurance policy at the Mortgagor’s
          cost and expense, and on the Mortgagor’s failure to do so, authorizes the holder
          of the Mortgage to obtain and maintain such insurance at such Mortgagor’s cost
          and expense, and to seek reimbursement therefor from the Mortgagor. Where
          required by state law or regulation, the Mortgagor has been given an opportunity
          to choose the carrier of the required hazard insurance, provided the policy
          is
          not a “master” or “blanket” hazard insurance policy covering a condominium, or
          any hazard insurance policy covering the common facilities of a planned
          unit
          development. The hazard insurance policy is the valid and binding obligation
          of
          the insurer, is in full force and effect, and will be in full force and
          effect
          and inure to the benefit of the Purchaser upon the consummation of the
          transactions contemplated by this Agreement. The Seller has not engaged
          in, and
          has no knowledge of the Mortgagor’s or any servicer’s having engaged in, any act
          or omission which would impair the coverage of any such policy, the benefits
          of
          the endorsement provided for herein, or the validity and binding effect
          of such
          policy, without limitation, no unlawful fee, commission, kickback or other
          unlawful compensation or value of any kind has been or will be received,
          retained or realized by any attorney, firm or other person or entity, and
          no
          such unlawful items have been received, retained or realized by the
          Seller;

         

        (g)  Compliance
          with Applicable Laws.
          Any and
          all requirements of any federal, state or local law including, without
          limitation, usury, truth-in-lending, real estate settlement procedures,
          consumer
          credit protection, predatory, abusive and fair lending laws, equal credit
          opportunity and disclosure laws or unfair and deceptive practices laws
          applicable to the Mortgage Loan including, without limitation, any provisions
          relating to prepayment penalties, have been complied with, the consummation
          of
          the transactions contemplated hereby will not involve the violation of
          any such
          laws or regulations, and the Seller shall maintain in its possession, available
          for the Purchaser’s inspection, and shall deliver to the Purchaser upon demand,
          evidence of compliance with all such requirements. This representation
          and
          warranty is a Deemed Material Breach Representation;

         

        (h)  No
          Satisfaction of Mortgage.
          The
          Mortgage has not been satisfied, canceled, subordinated or rescinded, in
          whole
          or in part, and the Mortgaged Property has not been released from the lien
          of
          the Mortgage, in whole or in part, nor has any instrument been executed
          that
          would effect any such release, cancellation, subordination or rescission.
          The
          Seller has not waived the performance by the Mortgagor of any action, if
          the
          Mortgagor’s failure to perform such action would cause the Mortgage Loan to be
          in default, nor has the Seller waived any default resulting from any action
          or
          inaction by the Mortgagor;

         

        (i)  Location
          and Type of Mortgaged Property.
          The
          Mortgaged Property is located in the state identified in the related Mortgage
          Loan Schedule and consists of real property with a detached single family
          residence erected thereon, or a two- to four-family dwelling, or an individual
          condominium unit in a low-rise condominium project, or an individual unit
          in a
          planned unit development or a de minimis planned unit development which
          is in
          each case four stories or less, provided, however, that any mobile home
          (double
          wide only) or manufactured dwelling shall conform with the applicable Fannie
          Mae
          and Freddie Mac requirements regarding such dwellings and that no Mortgage
          Loan
          is secured by a single parcel of real property with a cooperative housing
          corporation, a log home or a mobile home erected thereon or by a mixed-use
          property, a property in excess of 10 acres, or other unique property types.
          As
          of the date of origination, no portion of the Mortgaged Property was used
          for
          commercial purposes, and since the date of origination, no portion of the
          Mortgaged Property has been used for commercial purposes; provided, that
          Mortgaged Properties which contain a home office shall not be considered
          as
          being used for commercial purposes as long as the Mortgaged Property has
          not
          been altered for commercial purposes and is not storing any chemicals or
          raw
          materials other than those commonly used for homeowner repair, maintenance
          and/or household purposes. With respect to any Mortgage Loan secured by
          a
          Mortgaged Property improved by manufactured housing, (i) the related
          manufactured housing unit is permanently affixed to the land, (ii) the
          related manufactured housing unit and the related land are subject to a
          Mortgage
          properly filed in the appropriate public recording office and naming the
          Seller
          as mortgagee, (iii) the related Mortgaged Property is not located in the
          state
          of New Jersey and (iv) as of the origination date of the related Mortgage
          Loan,
          the related manufactured housing unit that secures such Mortgage Loan either:
          (x) was the principal residence of the Mortgagor or (y) was classified
          as real
          property under applicable state law. This representation and warranty is
          a
          Deemed Material Breach Representation;

         

        (j)  Valid
          First or Second Lien.
          The
          Mortgage is a valid, subsisting, enforceable and perfected, first or second
          lien
          (as applicable) on the Mortgaged Property, including all buildings and
          improvements on the Mortgaged Property and all installations and mechanical,
          electrical, plumbing, heating and air conditioning systems located in or
          annexed
          to such buildings, and all additions, alterations and replacements made
          at any
          time with respect to the foregoing. The lien of the Mortgage is subject
          only
          to:

         

        1.  the
          lien
          of current real property taxes and assessments not yet due and
          payable;

         

        2.  covenants,
          conditions and restrictions, rights of way, easements and other matters
          of the
          public record as of the date of recording acceptable to prudent mortgage
          lending
          institutions generally and specifically referred to in the lender’s title
          insurance policy delivered to the originator of the Mortgage Loan and
          (a) specifically referred to or otherwise considered in the appraisal made
          for the originator of the Mortgage Loan or (b) which do not adversely
          affect the Appraised Value of the Mortgaged Property set forth in such
          appraisal;

         

        3.  other
          matters to which like properties are commonly subject which do not materially
          interfere with the benefits of the security intended to be provided by
          the
          Mortgage or the use, enjoyment, value or marketability of the related Mortgaged
          Property; and

         

        4.  with
          respect to Second Lien Mortgage Loans, the lien of the first mortgage on
          the
          Mortgaged Property.

         

        Any
          security agreement, chattel mortgage or equivalent document related to
          and
          delivered in connection with the Mortgage Loan establishes and creates
          a valid,
          subsisting, enforceable and perfected (A) first lien and first priority
          security
          interest with respect to each first lien mortgage loan, or (B) second lien
          and
          second priority security interest with respect to each Second Lien Mortgage
          Loan, in either case, on the property described therein and Seller has
          full
          right to sell and assign the same to Purchaser.

         

        (k)  Validity
          of Mortgage Documents.
          The
          Mortgage Note and the Mortgage and any other agreement executed and delivered
          by
          a Mortgagor in connection with a Mortgage Loan are genuine, and each is
          the
          legal, valid and binding obligation of the maker thereof enforceable in
          accordance with its terms (including, without limitation, any provisions
          therein
          relating to Prepayment Penalties). All parties to the Mortgage Note, the
          Mortgage and any other such related agreement had legal capacity to enter
          into
          the Mortgage Loan and to execute and deliver the Mortgage Note, the Mortgage
          and
          any such agreement, and the Mortgage Note, the Mortgage and any other such
          related agreement have been duly and properly executed by other such related
          parties. No fraud, error, omission, misrepresentation, negligence or similar
          occurrence with respect to a Mortgage Loan has taken place on the part
          of any
          Person, including without limitation, the Mortgagor, any appraiser, any
          builder
          or developer, or any other party involved in the origination or servicing
          of the
          Mortgage Loan. The Seller has reviewed all of the documents constituting
          the
          Servicing File and has made such inquiries as it deems necessary to make
          and
          confirm the accuracy of the representations set forth herein;

         

        (l)  Full
          Disbursement of Proceeds.
          The
          Mortgage Loan has been closed and the proceeds of the Mortgage Loan have
          been
          fully disbursed and there is no requirement for future advances thereunder,
          and
          any and all requirements as to completion of any on-site or off-site improvement
          and as to disbursements of any escrow funds therefor have been complied
          with.
          All costs, fees and expenses incurred in making or closing the Mortgage
          Loan and
          the recording of the Mortgage were paid, and the Mortgagor is not entitled
          to
          any refund of any amounts paid or due under the Mortgage Note or
          Mortgage;

         

        (m)  Ownership.
          The
          Seller is the sole owner of record and holder of the Mortgage Loan and
          the
          indebtedness evidenced by each Mortgage Note. The Mortgage Loan is not
          assigned
          or pledged, and the Seller has good, indefeasible and marketable title
          thereto,
          and has full right to transfer and sell the Mortgage Loan to the Purchaser
          free
          and clear of any encumbrance, equity, participation interest, lien, pledge,
          charge, claim or security interest, and has full right and authority subject
          to
          no interest or participation of, or agreement with, any other party, to
          sell and
          assign each Mortgage Loan pursuant to this Agreement and following the
          sale of
          each Mortgage Loan, the Purchaser will own such Mortgage Loan free and
          clear of
          any encumbrance, equity, participation interest, lien, pledge, charge,
          claim or
          security interest. The Seller intends to relinquish all rights to possess,
          control and monitor the Mortgage Loan. After the related Closing Date,
          the
          Seller will have no right to modify or alter the terms of the sale of the
          Mortgage Loan and the Seller will have no obligation or right to repurchase
          the
          Mortgage Loan or substitute another Mortgage Loan, except as provided in
          this
          Agreement;

         

        (n)  Doing
          Business.
          All
          parties which have had any interest in the Mortgage Loan, whether as mortgagee,
          assignee, pledgee or otherwise, are (or, during the period in which they
          held
          and disposed of such interest, were) (1) in compliance with any and all
          applicable licensing requirements of the laws of the state wherein the
          Mortgaged
          Property is located, and (2) either (i) organized under the laws of
          such state, or (ii) qualified to do business in such state, or (iii) a
          federal savings and loan association, a savings bank or a national bank
          having a
          principal office in such state, or (3) not doing business in such
          state;

         

        (o)  CLTV,
          LTV.
          No
          Mortgage Loan that is a Second Lien Mortgage Loan has a CLTV in excess
          of 100%.
          No Mortgage Loan has an LTV greater than 100%;

         

        (p)  Title
          Insurance.
          The
          Mortgage Loan is covered by an ALTA lender’s title insurance policy, or with
          respect to any Mortgage Loan for which the related Mortgaged Property is
          located
          in California a CLTA lender’s title insurance policy, or other generally
          acceptable form of policy or insurance acceptable to Fannie Mae or Freddie
          Mac
          and each such title insurance policy is issued by a title insurer acceptable
          to
          Fannie Mae or Freddie Mac and qualified to do business in the jurisdiction
          where
          the Mortgaged Property is located, insuring the Seller, its successors
          and
          assigns, as to the first priority lien (with respect to first lien Mortgage
          Loans) or second priority lien (with respect to Second Lien Mortgage Loans)
          of
          the Mortgage in the original principal amount of the Mortgage Loan, subject
          only
          to the exceptions contained in clauses (1), (2), (3) and (4) of paragraph
          (j) of
          this Subsection
          9.02,
          and in
          the case of adjustable rate Mortgage Loans, against any loss by reason
          of the
          invalidity or unenforceability of the lien resulting from the provisions
          of the
          Mortgage providing for adjustment to the Mortgage Interest Rate and Monthly
          Payment. Where required by state law or regulation, the Mortgagor has been
          given
          the opportunity to choose the carrier of the required mortgage title insurance.
          Additionally, such lender’s title insurance policy affirmatively insures ingress
          and egress, and against encroachments by or upon the Mortgaged Property
          or any
          interest therein. The title policy does not contain any special exceptions
          (other than the standard exclusions) for zoning and uses and has been marked
          to
          delete the standard survey exceptions or to replace the standard survey
          exception with a specific survey reading. The Seller, its successors and
          assigns, are the sole insureds of such lender’s title insurance policy, and such
          lender’s title insurance policy is valid and remains in full force and effect
          and will be in force and effect upon the consummation of the transactions
          contemplated by this Agreement. No claims have been made under such lender’s
          title insurance policy, and no prior holder of the related Mortgage, including
          the Seller, has done, by act or omission, anything which would impair the
          coverage of such lender’s title insurance policy, including without limitation,
          no unlawful fee, commission, kickback or other unlawful compensation or
          value of
          any kind has been or will be received, retained or realized by any attorney,
          firm or other person or entity, and no such unlawful items have been received,
          retained or realized by the Seller;

         

        (q)  No
          Defaults.
          Other
          than payments due but not yet thirty (30) days or more delinquent, there
          is no
          default, breach, violation or event which would permit acceleration existing
          under the Mortgage or the Mortgage Note and no event which, with the passage
          of
          time or with notice and the expiration of any grace or cure period, would
          constitute a default, breach, violation or event which would permit
          acceleration, and neither the Seller nor any of its affiliates nor any
          of their
          respective predecessors, have waived any default, breach, violation or
          event
          which would permit acceleration. With respect to each Second Lien Mortgage
          Loan,
          (i) the prior mortgage is in full force and effect, (ii) there is no default,
          breach, violation or event of acceleration existing under such prior mortgage
          or
          the related mortgage note, (iii) as of the related Closing Date, no event
          which,
          with the passage of time or with notice and the expiration of any grace
          or cure
          period, would constitute a default, breach, violation or event of acceleration
          thereunder, and either (A) the prior mortgage contains a provision which
          allows
          or (B) applicable law requires, the mortgagee under the Second Lien Mortgage
          Loan to receive notice of, and affords such mortgagee an opportunity to
          cure any
          default by payment in full or otherwise under the prior mortgage;

         

        (r)  No
          Mechanics’ Liens.
          There
          are no mechanics’ or similar liens or claims which have been filed for work,
          labor or material (and no rights are outstanding that under law could give
          rise
          to such liens) affecting the related Mortgaged Property which are or may
          be
          liens prior to, or equal or coordinate with, the lien of the related
          Mortgage;

         

        (s)  Location
          of Improvements; No Encroachments.
          All
          improvements which were considered in determining the Appraised Value of
          the
          Mortgaged Property lay wholly within the boundaries and building restriction
          lines of the Mortgaged Property, and no improvements on adjoining properties
          encroach upon the Mortgaged Property. No improvement located on or being
          part of
          the Mortgaged Property is in violation of any applicable zoning law or
          regulation;

         

        (t)  Origination;
          Payment Terms.
          The
          Mortgage Loan was originated by a mortgagee approved by the Secretary of
          Housing
          and Urban Development pursuant to Sections 203 and 211 of the National
          Housing Act, a savings and loan association, a savings bank, a commercial
          bank,
          credit union, insurance company or other similar institution which is supervised
          and examined by a federal or state authority. The documents, instruments
          and
          agreements submitted for loan underwriting were not falsified and contain
          no
          untrue statement of material fact or omit to state a material fact required
          to
          be stated therein or necessary to make the information and statements therein
          not misleading. Except with respect to Option ARM Mortgage Loans, no Mortgage
          Loan contains terms or provisions which would result in negative amortization.
          Principal payments on the Mortgage Loan commenced no more than sixty (60)
          days
          after funds were disbursed in connection with the Mortgage Loan. The Mortgage
          Interest Rate as well as the Lifetime Rate Cap and the Periodic Cap, are
          as set
          forth on the related Mortgage Loan Schedule. Except with respect to Option
          ARM
          Mortgage Loans, the Mortgage Note is payable in equal monthly installments
          of
          principal and interest, which installments of interest, with respect to
          Adjustable Rate Mortgage Loans, are subject to change due to the adjustments
          to
          the Mortgage Interest Rate on each Interest Rate Adjustment Date, with
          interest
          calculated and payable in arrears, sufficient to amortize the Mortgage
          Loan
          fully by the stated maturity date, over an original term of not more than
          thirty
          (30) years from commencement of amortization. The Mortgage Loan is payable
          on
          the first day of each month. There are no Convertible Mortgage Loans which
          contain a provision allowing the Mortgagor to convert the Mortgage Note
          from an
          adjustable interest rate Mortgage Note to a fixed interest rate Mortgage
          Note.
          No Mortgage Loan is a balloon mortgage loan that has an original stated
          maturity
          of less than seven (7) years;

         

        (u)  Customary
          Provisions.
          The
          Mortgage contains customary and enforceable provisions such as to render
          the
          rights and remedies of the holder thereof adequate for the realization
          against
          the Mortgaged Property of the benefits of the security provided thereby,
          including, (i) in the case of a Mortgage designated as a deed of trust, by
          trustee’s sale, and (ii) otherwise by judicial foreclosure. Upon default by
          a Mortgagor on a Mortgage Loan and foreclosure on, or trustee’s sale of, the
          Mortgaged Property pursuant to the proper procedures, the holder of the
          Mortgage
          Loan will be able to deliver good and merchantable title to the Mortgaged
          Property. There is no homestead or other exemption available to a Mortgagor
          which would interfere with the right to sell the Mortgaged Property at
          a
          trustee’s sale or the right to foreclose the Mortgage, subject to applicable
          federal and state laws and judicial precedent with respect to bankruptcy
          and
          right of redemption or similar law;

         

        (v)  Conformance
          with Agency and Underwriting Standards.
          The
          Mortgage Loan was underwritten in accordance with the Underwriting Guidelines
          for such Mortgage Loan. The Mortgage Note and Mortgage are on forms acceptable
          to Freddie Mac or Fannie Mae and the Seller has not made any representations
          to
          a Mortgagor that are inconsistent with the mortgage instruments
          used;

         

        (w)  Occupancy
          of the Mortgaged Property.
          The
          Mortgaged Property is lawfully occupied under applicable law. All inspections,
          licenses and certificates required to be made or issued with respect to
          all
          occupied portions of the Mortgaged Property and, with respect to the use
          and
          occupancy of the same, including but not limited to certificates of occupancy
          and fire underwriting certificates, have been made or obtained from the
          appropriate authorities;

         

        (x)  No
          Additional Collateral.
          The
          Mortgage Note is not and has not been secured by any collateral except
          the lien
          of the corresponding Mortgage and the security interest of any applicable
          security agreement or chattel mortgage referred to in clause (j)
          above;

         

        (y)  Deeds
          of Trust.
          In the
          event the Mortgage constitutes a deed of trust, a trustee, authorized and
          duly
          qualified under applicable law to serve as such, has been properly designated
          and currently so serves and is named in the Mortgage, and no fees or expenses
          are or will become payable by the Purchaser to the trustee under the deed
          of
          trust, except in connection with a trustee’s sale after default by the
          Mortgagor;

         

        (z)  Acceptable
          Investment.
          There
          are no circumstances or conditions with respect to the Mortgage, the Mortgaged
          Property, the Mortgagor, the Mortgage File or the Mortgagor’s credit standing
          that can reasonably be expected to cause private institutional investors
          to
          regard the Mortgage Loan as an unacceptable investment, cause the Mortgage
          Loan
          to become delinquent, or adversely affect the value or marketability of
          the
          Mortgage Loan, or cause the Mortgage Loans to prepay during any period
          materially faster or slower than the mortgage loans originated by the Seller
          generally;

         

        (aa)  Delivery
          of Mortgage Documents.
          The
          Mortgage Note, the Mortgage, the Assignment of Mortgage and any other documents
          constituting the Mortgage File for each Mortgage Loan have been delivered
          to the
          Custodian. The Seller is in possession of a complete, true and accurate
          Mortgage
          File in compliance with Exhibit A
          hereto,
          except for such documents the originals of which have been delivered to
          the
          Custodian;

         

        (bb)  Condominiums/Planned
          Unit Developments.
          If the
          Mortgaged Property is a condominium unit or a planned unit development
          (other
          than a de minimis planned unit development) such condominium or planned
          unit
          development project such Mortgage Loan was originated in accordance with,
          and
          the Mortgaged Property meets the guidelines set forth in the Seller’s
          Underwriting Guidelines;

         

        (cc)  Transfer
          of Mortgage Loans.
          The
          Assignment of Mortgage (except with respect to any Mortgage that has been
          recorded in the name of MERS or its designee), with respect to each Mortgage
          Loan is in recordable form and is acceptable for recording under the laws
          of the
          jurisdiction in which the Mortgaged Property is located. The transfer,
          assignment and conveyance of the Mortgage Notes and the Mortgages by the
          Seller
          are not subject to the bulk transfer or similar statutory provisions in
          effect
          in any applicable jurisdiction;

         

        (dd)  Due-On-Sale.
          With
          respect to each Fixed Rate Mortgage Loan, the Mortgage contains an enforceable
          provision for the acceleration of the payment of the unpaid principal balance
          of
          the Mortgage Loan in the event that the Mortgaged Property is sold or
          transferred without the prior written consent of the mortgagee thereunder,
          and
          such provision is enforceable;

         

        (ee)  Assumability.
          With
          respect to each Adjustable Rate Mortgage Loan, the Mortgage Loan Documents
          provide that after the related first Interest Rate Adjustment Date, a related
          Mortgage Loan may only be assumed if the party assuming such Mortgage Loan
          meets
          certain credit requirements stated in the Mortgage Loan Documents. With
          respect
          to each Mortgage Loan that is not an Adjustable Rate Mortgage Loan, none
          of such
          Mortgage Loans are, by their terms, assumable;

         

        (ff)  No
          Buydown Provisions; No Graduated Payments or Contingent
          Interests.
          The
          Mortgage Loan does not contain provisions pursuant to which Monthly Payments
          are
          paid or partially paid with funds deposited in any separate account established
          by the Seller, the Mortgagor, or anyone on behalf of the Mortgagor, or
          paid by
          any source other than the Mortgagor nor does it contain any other similar
          provisions which may constitute a “buydown” provision. The Mortgage Loan is not
          a graduated payment mortgage loan and the Mortgage Loan does not have a
          shared
          appreciation or other contingent interest feature;

         

        (gg)  Consolidation
          of Future Advances.
          Any
          future advances made to the Mortgagor prior to the related Cut-off Date
          have
          been consolidated with the outstanding principal amount secured by the
          Mortgage,
          and the secured principal amount, as consolidated, bears a single interest
          rate
          and single repayment term. The lien of the Mortgage securing the consolidated
          principal amount is expressly insured as having first or second lien priority
          (as applicable) by a title insurance policy, an endorsement to the policy
          insuring the mortgagee’s consolidated interest or by other title evidence
          acceptable to Fannie Mae and Freddie Mac. The consolidated principal amount
          does
          not exceed the original principal amount of the Mortgage Loan;

         

        (hh)  Mortgaged
          Property Undamaged; No Condemnation Proceedings.
          There
          is no proceeding pending or threatened for the total or partial condemnation
          of
          the Mortgaged Property. The Mortgaged Property is undamaged by waste, fire,
          earthquake or earth movement, windstorm, flood, hurricane, tornado or other
          casualty so as to affect adversely the value of the Mortgaged Property
          as
          security for the Mortgage Loan or the use for which the premises were intended
          and each Mortgaged Property is in good repair. There have not been any
          condemnation proceedings with respect to the Mortgaged Property and the
          Seller
          has no knowledge of any such proceedings in the future;

         

        (ii)  Collection
          Practices; Escrow Deposits; Interest Rate Adjustments.
          The
          origination, servicing and collection practices used by the Seller, and
          any
          prior servicer with respect to the Mortgage Loan have been in all respects
          in
          compliance with Accepted Servicing Practices, applicable laws and regulations,
          and have been in all respects legal and proper and prudent in the mortgage
          origination and servicing business. With respect to escrow deposits and
          Escrow
          Payments, all such payments are in the possession of, or under the control
          of
          the Seller and there exist no deficiencies in connection therewith for
          which
          customary arrangements for repayment thereof have not been made. All Escrow
          Payments have been collected in full compliance with state and federal
          law and
          the provisions of the related Mortgage Note and Mortgage. An escrow of
          funds is
          not prohibited by applicable law and has been established in an amount
          sufficient to pay for every item that remains unpaid and has been assessed
          but
          is not yet due and payable. No escrow deposits or Escrow Payments or other
          charges or payments due the Seller have been capitalized under the Mortgage
          or
          the Mortgage Note. All Mortgage Interest Rate adjustments have been made
          in
          strict compliance with state and federal law and the terms of the related
          Mortgage and Mortgage Note on the related Interest Rate Adjustment Date.
          The
          Seller executed and delivered any and all notices required under applicable
          law
          and the terms of the related Mortgage Note and Mortgage regarding the Mortgage
          Interest Rate and the Monthly Payment adjustments. Any interest required
          to be
          paid pursuant to state, federal and local law has been properly paid and
          credited;

         

        (jj)  Conversion
          to Fixed Interest Rate.
          With
          respect to Adjustable Rate Mortgage Loans, the Mortgage Loan is not a
          Convertible Mortgage Loan;

         

        (kk)  Other
          Insurance Policies.
          No
          action, inaction or event has occurred and no state of facts exists or
          has
          existed that has resulted or will result in the exclusion from, denial
          of, or
          defense to coverage under any applicable, special hazard insurance policy,
          or
          bankruptcy bond, irrespective of the cause of such failure of coverage.
          In
          connection with the placement of any such insurance, no commission, fee,
          or
          other compensation has been or will be received by the Seller or by any
          officer,
          director, or employee of the Seller or any designee of the Seller or any
          corporation in which the Seller or any officer, director, or employee had
          a
          financial interest at the time of placement of such insurance;

         

        (ll)  No
          Violation of Environmental Laws.
          The
          Mortgaged Property is free from any and all toxic or hazardous substances
          and
          there exists no violation of any local, state or federal environmental
          law, rule
          or regulation. There is no pending action or proceeding directly involving
          the
          Mortgaged Property in which compliance with any environmental law, rule
          or
          regulation is an issue; there is no violation of any environmental law,
          rule or
          regulation with respect to the Mortgage Property; and nothing further remains
          to
          be done to satisfy in full all requirements of each such law, rule or regulation
          constituting a prerequisite to use and enjoyment of said property;

         

        (mm)  Servicemembers
          Civil Relief Act of 2003.
          The
          Mortgagor has not notified the Seller, and the Seller has no knowledge
          of any
          relief requested or allowed to the Mortgagor under the Servicemembers Civil
          Relief Act of 2003;

         

        (nn)  Appraisal.
          The
          Mortgage File contains an appraisal of the related Mortgaged Property signed
          prior to the approval of the Mortgage Loan application by a Qualified Appraiser,
          duly appointed by the related originator, who had no interest, direct or
          indirect in the Mortgaged Property or in any loan made on the security
          thereof,
          and whose compensation is not affected by the approval or disapproval of
          the
          Mortgage Loan, and the appraisal and appraiser both satisfy the requirements
          of
          Fannie Mae or Freddie Mac and Title XI of the Financial Institutions Reform,
          Recovery, and Enforcement Act of 1989 and the regulations promulgated
          thereunder, all as in effect on the date the Mortgage Loan was
          originated;

         

        (oo)  Disclosure
          Materials.
          The
          Mortgagor has executed a statement to the effect that the Mortgagor has
          received
          all disclosure materials required by, and the Seller has complied with,
          all
          applicable law with respect to the making of the Mortgage Loans. The Seller
          shall maintain such statement in the Mortgage File;

         

        (pp)  Construction
          or Rehabilitation of Mortgaged Property.
          No
          Mortgage Loan was made in connection with the construction or rehabilitation
          of
          a Mortgaged Property or facilitating the trade-in or exchange of a Mortgaged
          Property;

         

        (qq)  Value
          of Mortgaged Property.
          The
          Seller has no knowledge of any circumstances existing that could be expected
          to
          adversely affect the value or the marketability of any Mortgaged Property
          or
          Mortgage Loan or to cause the Mortgage Loans to prepay during any period
          materially faster or slower than similar mortgage loans held by the Seller
          generally secured by properties in the same geographic area as the related
          Mortgaged Property;

         

        (rr)  No
          Defense to Insurance Coverage.
          The
          Seller has caused or will cause to be performed any and all acts required
          to
          preserve the rights and remedies of the Purchaser in any insurance policies
          applicable to the Mortgage Loans including, without limitation, any necessary
          notifications of insurers, assignments of policies or interests therein,
          and
          establishments of coinsured, joint loss payee and mortgagee rights in favor
          of
          the Purchaser. No action has been taken or failed to be taken, no event
          has
          occurred and no state of facts exists or has existed on or prior to the
          related
          Closing Date (whether or not known to the Seller on or prior to such date)
          which
          has resulted or will result in an exclusion from, denial of, or defense
          to
          coverage under any primary mortgage insurance (including, without limitation,
          any exclusions, denials or defenses which would limit or reduce the availability
          of the timely payment of the full amount of the loss otherwise due thereunder
          to
          the insured) whether arising out of actions, representations, errors, omissions,
          negligence, or fraud of the Seller, the related Mortgagor or any party
          involved
          in the application for such coverage, including the appraisal, plans and
          specifications and other exhibits or documents submitted therewith to the
          insurer under such insurance policy, or for any other reason under such
          coverage, but not including the failure of such insurer to pay by reason
          of such
          insurer’s breach of such insurance policy or such insurer’s financial inability
          to pay;

         

        (ss)  Escrow
          Analysis.
          With
          respect to each Mortgage, the Seller has within the last twelve (12) months
          (unless such Mortgage was originated within such twelve-month period) analyzed
          the required Escrow Payments for each Mortgage and adjusted the amount
          of such
          payments so that, assuming all required payments are timely made, any deficiency
          will be eliminated on or before the first anniversary of such analysis,
          or any
          overage will be refunded to the Mortgagor, in accordance with RESPA and
          any
          other applicable law;

         

        (tt)  Prior
          Servicing.
          Each
          Mortgage Loan has been serviced in strict compliance with Accepted Servicing
          Practices;

         

        (uu)  Credit
          Information.
          As to
          each consumer report (as defined in the Fair Credit Reporting Act, Public
          Law
          91-508) or other credit information furnished by the Seller to the Purchaser,
          that Seller has full right and authority and is not precluded by law or
          contract
          from furnishing such information to the Purchaser and the Purchaser is
          not
          precluded by the terms of the Mortgage Loan Documents from furnishing the
          same
          to any subsequent or prospective purchaser of such Mortgage. The Seller
          shall
          hold the Purchaser harmless from any and all damages, losses, costs and
          expenses
          (including attorney’s fees) arising from disclosure of credit information in
          connection with the Purchaser’s secondary marketing operations and the purchase
          and sale of mortgages. The Seller has in its capacity as servicer, for
          each
          Mortgage Loan, fully furnished, in accordance with the Fair Credit Reporting
          Act
          and its implementing regulations, accurate and complete information (e.g.,
          favorable and unfavorable) on its borrower credit files to Equifax, Experian
          and
          Trans Union Credit Information Company (three of the credit repositories),
          on a
          monthly basis. The Servicer will transmit full-file credit reporting data
          for
          each Mortgage Loan pursuant to Fannie Mae Guide Announcement 95-19 and
          that for
          each Mortgage Loan, Servicer agrees it shall report one of the following
          statuses each month as follows: new origination, current, delinquent (30-,
          60-,
          90-days, etc.), foreclosed, or charged-off. This representation and warranty
          is
          a Deemed Material Breach Representation;

         

        (vv)  Leaseholds.
          If the
          Mortgage Loan is secured by a long-term residential lease, (1) the lessor
          under the lease holds a fee simple interest in the land; (2) the terms of
          such lease expressly permit the mortgaging of the leasehold estate, the
          assignment of the lease without the lessor’s consent and the acquisition by the
          holder of the Mortgage of the rights of the lessee upon foreclosure or
          assignment in lieu of foreclosure or provide the holder of the Mortgage
          with
          substantially similar protections; (3) the terms of such lease do not
          (a) allow the termination thereof upon the lessee’s default without the
          holder of the Mortgage being entitled to receive written notice of, and
          opportunity to cure, such default, (b) allow the termination of the lease
          in the event of damage or destruction as long as the Mortgage is in existence,
          (c) prohibit the holder of the Mortgage from being insured (or receiving
          proceeds of insurance) under the hazard insurance policy or policies relating
          to
          the Mortgaged Property or (d) permit any increase in rent other than
          pre-established increases set forth in the lease; (4) the original term of
          such lease is not less than fifteen (15) years; (5) the term of such lease
          does not terminate earlier than five (5) years after the maturity date
          of the
          Mortgage Note; and (6) the Mortgaged Property is located in a jurisdiction
          in which the use of leasehold estates in transferring ownership in residential
          properties is a widely accepted practice;

         

        (ww)  Prepayment
          Penalty.
          The
          Mortgage Loan is subject to a Prepayment Penalty as provided in the related
          Mortgage Note and rider except as set forth on the related Mortgage Loan
          Schedule. With respect to each Mortgage Loan that has a Prepayment Penalty
          feature, each such Prepayment Penalty is enforceable and will be enforced
          by the
          Seller for the benefit of the Purchaser, and each Prepayment Penalty is
          permitted pursuant to federal, state and local law. Each
          such
          Prepayment Penalty
          is
          in an
          amount not more than the maximum amount permitted under applicable law
          and no
          such Prepayment Penalty may provide for a term in excess of five (5) years
          with
          respect to Mortgage Loans originated prior to October, 1, 2002. Except
          as set
          forth in the related Mortgage Loan Schedule, with respect to Mortgage Loans
          originated on or after October 1, 2002, the duration of the Prepayment
          Penalty
          period shall not exceed three (3) years from the date of the Mortgage Note
          unless the Mortgage Loan was modified to reduce the Prepayment Penalty
          period to
          no more than three (3) years from the date of such Mortgage Loan and the
          Mortgagor was notified in writing of such reduction in Prepayment Penalty
          period. With respect to any Mortgage Loan that contains a provision permitting
          imposition of a penalty upon a prepayment prior to maturity: (i) the Mortgage
          Loan provides some benefit to the Mortgagor (e.g.,
          a rate
          or fee reduction) in exchange for accepting such Prepayment Penalty, (ii)
          prior
          to the Mortgage Loan’s origination, the Mortgagor was offered the option of
          obtaining a mortgage loan that did not require payment of such a penalty
          and
          (iii) the Prepayment Penalty was adequately disclosed to the Mortgagor
          in the
          mortgage loan documents pursuant to applicable state, local and federal
          law.
This
          representation and warranty is a Deemed Material Breach
          Representation;

         

        (xx)  Predatory
          Lending Regulations.
          No
          Mortgage Loan is a High Cost Loan or Covered Loan, as applicable, and no
          Mortgage Loan originated on or after October 1, 2002 through March 6, 2003
          is
          governed by the Georgia Fair Lending Act. No Mortgage Loan is covered by
          the
          Home Ownership and Equity Protection Act of 1994 and no Mortgage Loan is
          in
          violation of any comparable state or local law. The Mortgaged Property
          is not
          located in a jurisdiction where a breach of this representation with respect
          to
          the related Mortgage Loan may result in additional assignee liability to
          the
          Purchaser, as determined by Purchaser in its reasonable discretion. No
          predatory
          or deceptive lending practices, including, without limitation, the extension
          of
          credit without regard to the ability of the Mortgagor to repay and the
          extension
          of credit which has no apparent benefit to the Mortgagor, were employed
          in the
          origination of the Mortgage Loan. Each Mortgage Loan is in compliance with
          the
          anti-predatory lending eligibility for purchase requirements of Fannie
          Mae’s
          Selling Guide. This representation and warranty is a Deemed Material Breach
          Representation; 

         

        (yy)  Single-premium
          Credit Life Insurance Policy.
          In
          connection with the origination of any Mortgage Loan, no proceeds from
          any
          Mortgage Loan were used to finance or acquire a single-premium credit life
          insurance policy. No Mortgagor was required to purchase any single-premium
          credit
          insurance
          policy (e.g., life,
          disability, accident,
          unemployment
          or
          property insurance
          product)
          or debt
          cancellation agreement
          as a
          condition of obtaining the extension of credit. No Mortgagor obtained a
          prepaid
          single-premium
          credit insurance
          policy (e.g., life,
          disability, accident,
          unemployment
          or
          property insurance
          policy)
          in
          connection with the origination of the
          Mortgage
          Loan; no proceeds from any Mortgage Loan were used to purchase single-premium
          credit insurance policies or debt cancellation agreements as part of the
          origination of, or as a condition to closing, such
          Mortgage
          Loan. This representation and warranty is a Deemed Material Breach
          Representation;

         

        (zz)  Tax
          Service Contract; Flood Certification Contract.
          Each
          Mortgage Loan is covered by a paid in full, life of loan, tax service contract
          and a paid in full, life of loan, flood certification contract and each
          of these
          contracts is assignable to the Purchaser;

         

        (aaa)  Qualified
          Mortgage.
          The
          Mortgage Loan is a “qualified mortgage” within the meaning of Section 860G(a)(3)
          of the Code;

         

        (bbb)  Regarding
          the Mortgagor.
          The
          Mortgagor is one or more natural persons and/or trustees for an Illinois
          land
          trust or a trustee under a “living trust” and such “living trust” is in
          compliance with Fannie Mae guidelines for such trusts;

         

        (ccc)  Recordation.
          Each
          original Mortgage was recorded and, except for those Mortgage Loans subject
          to
          the MERS identification system, all subsequent assignments of the original
          Mortgage (other than the assignment to the Purchaser) have been recorded
          in the
          appropriate jurisdictions wherein such recordation is necessary to perfect
          the
          lien thereof as against creditors of the Seller, or is in the process of
          being
          recorded;

         

        (ddd)  FICO
          Scores.
          Each
          Mortgagor has a non-zero FICO score. No Mortgage Loan has a Mortgagor with
          a
          FICO score of less than 500; 

         

        (eee)  Compliance
          with Anti-Money Laundering Laws.
          The
          Seller has complied with all applicable anti-money laundering laws and
          regulations, including without limitation the USA PATRIOT Act of 2001
          (collectively, the “Anti-Money
          Laundering Laws”);
          the
          Seller has established an anti-money laundering compliance program as required
          by the Anti-Money Laundering Laws, has conducted the requisite due diligence
          in
          connection with the origination of each Mortgage Loan for purposes of the
          Anti-Money Laundering Laws, including with respect to the legitimacy of
          the
          applicable Mortgagor and the origin of the assets used by the said Mortgagor
          to
          purchase the property in question, and maintains, and will maintain, sufficient
          information to identify the applicable Mortgagor for purposes of the Anti-Money
          Laundering Laws;

         

        (fff)  Litigation.
          The
          Mortgage Loan is not subject to any outstanding litigation for fraud,
          origination, predatory lending, servicing or closing practices;

         

        (ggg)  MERS
          Designations.
          With
          respect to each MERS Designated Mortgage Loan, the Seller has designated
          the
          Purchaser as the Investor and no Person is listed as Interim Funder on
          the MERS®
System;

         

        (hhh)  Reports.
          On or
          prior to the related Closing Date, the Seller has provided the Custodian
          and the
          Purchaser with a MERS Report listing the Purchaser as the Investor with
          respect
          to each MERS Designated Mortgage Loan;

         

        (iii)  Origination
          Practices.
          The
          Mortgagor was not encouraged or required to select a Mortgage Loan product
          offered by the Mortgage Loan’s originator which is a higher cost product
          designed for less creditworthy borrowers, unless at the time of the Mortgage
          Loan’s origination, such Mortgagor did not qualify taking into account such
          facts as, without limitation, the Mortgage Loan’s requirements and the
          Mortgagor’s credit history, income, assets and liabilities and debt-to-income
          ratios for a lower-cost credit product then offered by the Mortgage Loan’s
          originator or any affiliate of the Mortgage Loan’s originator. Except with
          respect to Option ARM Mortgage Loans, if, at the time of loan application,
          the
          Mortgagor may have qualified for a lower-cost credit product then offered
          by any
          mortgage lending affiliate of the Mortgage Loan’s originator, the Mortgage
          Loan’s originator referred the Mortgagor’s application to such affiliate for
          underwriting consideration. Except with respect to Option ARM Mortgage
          Loans,
          for a Mortgagor who seeks financing through a Mortgage Loan originator’s
          higher-priced subprime lending channel, the Mortgagor was directed towards
          or
          offered the Mortgage Loan originator’s standard mortgage line if the Mortgagor
          was able to qualify for one of the standard products. This representation
          and
          warranty is a Deemed Material Breach Representation; 

         

        (jjj)  Underwriting
          Methodology.
          The
          methodology used in underwriting the extension of credit for each Mortgage
          Loan
          does not rely solely on the extent of the Mortgagor’s equity in the collateral
          as the principal determining factor in approving such extension of credit.
          The
          methodology employed objective criteria, such as the Mortgagor’s income, assets
          and liabilities, to the proposed mortgage payment and, based on such
          methodology, the Mortgage Loan’s originator made a reasonable determination that
          at the time of origination the Mortgagor had the ability to make timely
          payments
          on the Mortgage Loan. Such underwriting methodology confirmed that at the
          time
          of origination (application/approval) the Mortgagor had a reasonable ability
          to
          make timely payments on the Mortgage Loan. This representation and warranty
          is a
          Deemed Material Breach Representation;

         

        (kkk)  Points
          and Fees.
          No
          Mortgagor was charged “points and fees” (whether or not financed) in an amount
          greater than (i) $1,000, or (ii) 5% of the principal amount of such Mortgage
          Loan, whichever is greater. For purposes of this representation, such 5%
          limitation is calculated in accordance with Fannie Mae’s anti-predatory lending
          requirements as set forth in the Fannie Mae Guides and “points and fees” (x)
include
          origination, underwriting, broker and finder fees and charges that the
          mortgagee
          imposed as a condition of making the Mortgage Loan, whether they are paid
          to the
          mortgagee or a third party; and (y) exclude
          bona
          fide discount points, fees paid for actual services rendered in connection
          with
          the origination of the Mortgage Loan (such as attorneys’ fees, notaries fees and
          fees paid for property appraisals, credit reports, surveys, title examinations
          and extracts, flood and tax certifications, and home inspections), the
          cost of
          mortgage insurance or credit-risk price adjustments, the costs of title,
          hazard,
          and flood insurance policies, state and local transfer taxes or fees, escrow
          deposits for the future payment of taxes and insurance premiums, and other
          miscellaneous fees and charges which miscellaneous fees and charges, in
          total,
          do not exceed 0.25% of the principal amount of such Mortgage Loan. This
          representation and warranty is a Deemed Material Breach Representation;
          

         

        (lll)  Fees
          Charges.
          All
          fees and charges (including finance charges) and whether or not financed,
          assessed, collected or to be collected in connection with the origination
          and
          servicing of each Mortgage Loan has been disclosed in writing to the Mortgagor
          in accordance with applicable state and federal law and regulation. This
          representation and warranty is a Deemed Material Breach Representation;
          

         

        (mmm)  Arbitration.
          With
          respect to any Mortgage Loan originated on or after August 1, 2004, neither
          the
          related Mortgage nor the related Mortgage Note requires the Mortgagor to
          submit
          to arbitration to resolve any dispute arising out of or relating in any
          way to
          the Mortgage Loan transaction. This representation and warranty is a Deemed
          Material Breach Representation; 

         

        (nnn)  Second
          Lien Mortgage Loans. With respect to each Second Lien Mortgage Loan:

         

        (i)  No
          Negative Amortization of Related First Lien Loan.
          The
          related first lien loan does not permit negative amortization;

         

        (ii)  Request
          for Notice; No Consent Required.
          Where
          required or customary in the jurisdiction in which the Mortgaged Property
          is
          located, the original lender has filed for record a request for notice
          of any
          action by the related senior lienholder, and the Seller has notified such
          senior
          lienholder in writing of the existence of the Second Lien Mortgage Loan
          and
          requested notification of any action to be taken against the Mortgagor
          by such
          senior lienholder. Either (a) no consent for the Second Lien Mortgage Loan
          is
          required by the holder of the related first lien loan or (b) such consent
          has
          been obtained and is contained in the related Mortgage File;

         

        (iii)  No
          Default Under First Lien.
          To the
          best of Seller’s knowledge, the related first lien loan is in full force and
          effect, and there is no default lien, breach, violation or event which
          would
          permit acceleration existing under such first lien mortgage or mortgage
          note,
          and no event which, with the passage of time or with notice and the expiration
          of any grace or cure period, would constitute a default, breach, violation
          or
          event which would permit acceleration under such first lien loan; 

         

        (iv)  Right
          to Cure First Lien.
          The
          related first lien mortgage contains a provision which provides for giving
          notice of default or breach to the mortgagee under the Mortgage Loan and
          allows
          such mortgagee to cure any default under the related first lien mortgage;
          and

         

        (v)  Principal
          Residence.
          The
          related Mortgaged Property is the Mortgagor’s principal residence. 

         

        This
          representation and warranty is a Deemed Material and Adverse Representation;
          

         

        (ooo)  Option
          ARM Mortgage Loans.
          With
          respect to each Option ARM Mortgage Loan, (a) the Seller (or a servicer
          on its
          behalf) either did not provide different payment options after a “teaser period”
or, if different payment options were provided, applied each payment received
          under the Option ARM Mortgage Loan correctly in accordance with Accepted
          Servicing Practices, (b) unless otherwise set forth on the Mortgage Loan
          Schedule, the Option ARM Mortgage Loan has no negative amortization as
          of the
          Closing Date and (c) such Option ARM Mortgage Loans were serviced in accordance
          with Accepted Servicing Practices and all payment histories are set forth
          on he
          Mortgage Loan Schedule that would be required to service the Option ARM
          Mortgage
          Loans after the Closing Date in accordance with Accepted Servicing Practices;
          and

         

        (ppp)  Interest
          Calculation.
          No
          Mortgage Loan calculates interest on a daily simple interest basis. Each
          Mortgage Loan calculates interest on a 30/360 basis.

         

        Subsection
          9.03  Remedies
          for Breach of Representations and Warranties.

         

        It
          is
          understood and agreed that the representations and warranties set forth
          in
Subsections 9.01
          and 9.02
          shall
          survive the sale of the Mortgage Loans to the Purchaser and shall inure
          to the
          benefit of the Purchaser, its successors and assigns and the Successor
          Servicer,
          notwithstanding any restrictive or qualified endorsement on any Mortgage
          Note or
          Assignment of Mortgage or the examination or failure to examine any Mortgage
          File. Upon discovery by either the Seller or the Purchaser of a breach
          of any of
          the foregoing representations and warranties, the party discovering such
          breach
          shall give prompt written notice to the other.

         

        Within
          thirty (30) days of the earlier of either discovery by or notice to the
          Seller
          of any breach of a representation or warranty which materially and adversely
          affects the value of the Mortgage Loans or the interest of the Purchaser
          therein
          (or which materially and adversely affects the value of the applicable
          Mortgage
          Loan or the interest of the Purchaser therein in the case of a representation
          and warranty relating to a particular Mortgage Loan), the Seller shall
          use its
          best efforts promptly to cure such breach in all material respects and,
          if such
          breach cannot be cured, the Seller shall, at the Purchaser’s option, repurchase
          such Mortgage Loan at the Repurchase Price, together with all expenses
          incurred
          by the Purchaser as a result of such repurchase. Notwithstanding the above
          sentence, (i) within sixty (60) days of the earlier of either discovery
          by, or
          notice to, the Seller of any breach of the representation and warranty
          set forth
          in clause (aaa) of Subsection 9.02,
          the
          Seller shall repurchase such Mortgage Loan at the Repurchase Price, together
          with all expenses incurred by the Purchaser as a result of such repurchase
          and
          (ii) any breach of a Deemed Material Breach Representation shall automatically
          be deemed to materially and adversely affect the value of the Mortgage
          Loan and
          the interest of the Purchaser therein. In the event that a breach shall
          involve
          any representation or warranty set forth in Subsection 9.01,
          and
          such breach cannot be cured within thirty (30) days of the earlier of either
          discovery by or notice to the Seller of such breach, the Mortgage Loans
          shall,
          at the Purchaser’s option, be repurchased by the Seller at the Repurchase Price.
          However, if the breach shall involve a representation or warranty set forth
          in
Subsection
          9.02
          (other
          than the representations and warranties set forth in clause  (aaa) of
          such Subsection or any Deemed Material Breach Representation) and the Seller
          discovers or receives notice of any such breach within one hundred twenty
          (120)
          days of the related Closing Date, the Seller shall, at the Purchaser’s option
          and provided that the Seller has a Qualified Substitute Mortgage Loan,
          rather
          than repurchase the Mortgage Loan as provided above, remove such Mortgage
          Loan
          (a “Deleted
          Mortgage Loan”)
          and
          substitute in its place a Qualified Substitute Mortgage Loan or Loans,
          provided
          that any such substitution shall be effected not later than one hundred
          twenty
          (120) days after the related Closing Date. If the Seller has no Qualified
          Substitute Mortgage Loan, it shall repurchase the deficient Mortgage Loan.
          Any
          repurchase of a Mortgage Loan or Loans pursuant to the foregoing provisions
          of
          this Subsection
          9.03
          shall be
          accomplished by direct remittance of the Repurchase Price to the Purchaser
          or
          its designee in accordance with the Purchaser’s instructions. Purchaser shall
          notify Seller of any breach of a representation or warranty which materially
          and
          adversely affects the value of the Mortgage Loans or the interest of the
          Purchaser therein (or which materially and adversely affects the value
          of the
          applicable Mortgage Loan or the interest of the Purchaser therein in the
          case of
          a representation and warranty relating to a particular Mortgage Loan) within
          90
          days of Purchaser’s discovery thereof.

         

        At
          the
          time of repurchase or substitution, the Purchaser and the Seller shall
          arrange
          for the reassignment of the Deleted Mortgage Loan to the Seller and the
          delivery
          to the Seller of any documents held by the Custodian relating to the Deleted
          Mortgage Loan. In the event of a repurchase or substitution, the Seller
          shall,
          simultaneously with such reassignment, give written notice to the Purchaser
          that
          such repurchase or substitution has taken place, amend the related Mortgage
          Loan
          Schedule to reflect the withdrawal of the Deleted Mortgage Loan from this
          Agreement, and, in the case of substitution, identify a Qualified Substitute
          Mortgage Loan and amend the related Mortgage Loan Schedule to reflect the
          addition of such Qualified Substitute Mortgage Loan to this Agreement.
          In
          connection with any such substitution, the Seller shall be deemed to have
          made
          as to such Qualified Substitute Mortgage Loan the representations and warranties
          set forth in this Agreement except that all such representations and warranties
          set forth in this Agreement shall be deemed made as of the date of such
          substitution. The Seller shall effect such substitution by delivering to
          the
          Custodian or to such other party as the Purchaser may designate in writing
          for
          such Qualified Substitute Mortgage Loan the documents required by Subsection 6.03,
          with
          the Mortgage Note endorsed as required by Subsection 6.03.
          No
          substitution will be made in any calendar month after the Determination
          Date for
          such month. The Seller shall remit directly to the Purchaser, or its designee
          in
          accordance with the Purchaser’s instructions the Monthly Payment on such
          Qualified Substitute Mortgage Loan or Loans in the month following the
          date of
          such substitution. Monthly Payments due with respect to Qualified Substitute
          Mortgage Loans in the month of substitution shall be retained by the Seller.
          For
          the month of substitution, distributions to the Purchaser shall include
          the
          Monthly Payment due on any Deleted Mortgage Loan in the month of substitution,
          and the Seller shall thereafter be entitled to retain all amounts subsequently
          received by the Seller in respect of such Deleted Mortgage Loan.

         

        For
          any
          month in which the Seller substitutes a Qualified Substitute Mortgage Loan
          for a
          Deleted Mortgage Loan, the Seller shall determine the amount (if any) by
          which
          the aggregate principal balance of all Qualified Substitute Mortgage Loans
          as of
          the date of substitution is less than the aggregate Stated Principal Balance
          of
          all Deleted Mortgage Loans (after application of scheduled principal payments
          due in the month of substitution). The amount of such shortfall shall be
          distributed by the Seller directly to the Purchaser or its designee in
          accordance with the Purchaser’s instructions within two (2) Business Days of
          such substitution. Accordingly, on the date of such substitution, the Seller
          will remit to the Purchaser or its designee from its own funds for deposit
          into
          the Custodial Account an amount equal to the amount of such shortfall plus
          one
          month’s interest thereon at the Mortgage Loan remittance rate. 

         

        In
          addition to such repurchase or substitution obligation, the Seller shall
          indemnify the Purchaser, its successors and assigns and the Successor Servicer
          and hold them harmless against any losses, damages, penalties, fines,
          forfeitures, reasonable and necessary legal fees and related costs, judgments,
          and other costs and expenses resulting from any claim, demand, defense
          or
          assertion based on or grounded upon, or resulting from, a breach of the
          Seller
          representations and warranties contained in this Agreement or any Reconstitution
          Agreement. It is understood and agreed that the obligations of the Seller
          set
          forth in this Subsection
          9.03
          to cure,
          substitute for or repurchase a defective Mortgage Loan and to indemnify
          the
          Purchaser, its successors and assigns and the Successor Servicer as provided
          in
          this Subsection
          9.03
          constitute the sole remedies respecting a breach of the foregoing
          representations and warranties. For purposes of this paragraph, “Purchaser”
shall mean the Person then acting as the Purchaser under this Agreement
          and any
          and all Persons who previously were “Purchasers” under this Agreement and
“Successor Servicer” shall mean the Person then acting as the Successor Servicer
          under this Agreement and any and all Persons who previously were “Successor
          Servicers” under this Agreement.

         

        Any
          cause
          of action against the Seller relating to or arising out of the breach of
          any
          representations and warranties made in Subsections
          9.01 and 9.02
          shall
          accrue as to any Mortgage Loan upon (i) discovery of such breach by the
          Purchaser or notice thereof by the Seller to the Purchaser, (ii) failure by
          the Seller to cure such breach or repurchase such Mortgage Loan as specified
          above, and (iii) demand upon the Seller by the Purchaser for compliance
          with this Agreement.

         

        Subsection
          9.04  [Reserved]

         

        Subsection
          9.05  Purchaser’s
          Right to Review.

         

        Prior
          to
          the related Closing Date, the Purchaser shall have the right to perform
          on-site
          due diligence at the premises of the Seller with respect to the Mortgage
          Loans.
          The Seller will provide information and otherwise cooperate with the due
          diligence reviews of the Purchaser, its co-investor’s, its financial partner’s,
          and the rating agencies. The Seller shall make the legal files and the
          credit
          files, together with any payment histories (which shall include for each
          Mortgage Loan, a detailed transaction history indicating how all payments
          were
          applied and for each Option ARM Mortgage Loan (a) the total negative
          amortization amount as of the Closing Date and (b) all adjustable rate
          change
          histories), collection histories, bankruptcy histories, broker’s price opinions,
          to the extent available, and any other information with respect to the
          Mortgage
          Loans requested by the Purchaser, available at the Seller’s offices for review
          by Purchaser or its agents during normal business hours before the related
          Closing Date. The Purchaser shall have the right to order additional broker’s
          price opinions in its sole discretion at the Purchaser’s expense. 

         

        The
          Purchaser shall have the right to reject any Mortgage Loan (a) for which
          the
          documentation listed in Subsection
          6.03
          is
          missing or defective in whole or in part, (b) for which the related broker’s
          price opinion is below the appraisal provided in connection with the origination
          of the related Mortgage Loan, (c) for which the loan-to-value ratio calculated
          based upon the broker’s price opinion is greater than 100%, (d) which does not
          conform to the Seller’s Underwriting Guidelines, (e) which does not conform to
          the terms of the related Purchase Price and Terms Letter or is in breach
          of the
          representations and warranties set forth in this Purchase Agreement, (f)
          that is
          not securitizable in the reasonable opinion of the Purchaser, or (g) which
          does
          not conform to the terms of any applicable federal, state, or local law
          or
          regulation. The Purchaser shall use its best efforts to notify the Seller
          of any
          such rejected Mortgage Loan immediately upon discovery.

         

        The
          fact
          that the Purchaser has conducted or failed to conduct any partial or complete
          examination of the files shall not affect the Purchaser’s (or any of its
          successor’s) rights to demand repurchase or other relief for breach of Mortgage
          Loan representations and warranties, missing or defective documents or
          as
          otherwise provided in this Agreement.

         

        SECTION
          10.  Closing.

         

        The
          closing for the purchase and sale of the Mortgage Loans in each Mortgage
          Loan
          Package shall take place on the related Closing Date. At the Purchaser’s option,
          the Closing shall be either: by telephone, confirmed by letter or wire
          as the
          parties shall agree, or conducted in person, at such place as the parties
          shall
          agree.

         

          The
          closing for the Mortgage Loans to be purchased on each Closing Date shall
          be
          subject to each of the following conditions:

         

        (i)  at
          least
          two (2) Business Days prior to the related Closing Date or such later date
          on
          which the Purchaser has identified to the Seller the final list of Mortgage
          Loans the Purchaser desires to purchase, the Seller shall deliver to the
          Purchaser via electronic medium a Mortgage Loan Schedule acceptable to
          the
          Purchaser;

         

        (ii)  all
          of
          the representations and warranties of the Seller under this Agreement shall
          be
          true and correct as of the related Closing Date and no event shall have
          occurred
          which, with notice or the passage of time, would constitute a default under
          this
          Agreement;

         

        (iii)  the
          Purchaser shall have received, or the Purchaser’s attorneys shall have received
          in escrow, all Closing Documents as specified in Section 11
          of this
          Agreement, in such forms as are agreed upon and reasonably acceptable to
          the
          Purchaser, duly executed by all signatories other than the Purchaser as
          required
          pursuant to the terms hereof;

         

        (iv)  the
          Seller shall have delivered and released to the Custodian all documents
          required
          hereunder; and

         

        (v)  all
          other
          terms and conditions of this Agreement and the related Purchase Confirmation
          and
          Trade Confirmation shall have been complied with.

         

        Subject
          to the foregoing conditions, the Purchaser shall pay to the Seller on the
          related Closing Date the Purchase Price, plus accrued interest pursuant
          to
Section 4
          of this
          Agreement, by wire transfer of immediately available funds to the account(s)
          designated by the Seller.

         

        SECTION
          11.  Closing
          Documents.

         

        (a)  The
          Closing Documents for the Mortgage Loans to be purchased on the initial
          Closing
          Date shall consist of fully executed originals of the following
          documents:

         

        1.  this
          Agreement;

         

        2.  the
          Interim Servicing Agreement, any account certifications and all other documents
          required thereunder;

         

        3.  an
          Officer’s Certificate, in the form of Exhibit C
          hereto
          with respect to the Seller, including all attachments thereto;

         

        4.  an
          Opinion of Counsel of the Seller (who may be an employee of the Seller),
          in the
          form of Exhibit D
          hereto
          (“Opinion
          of Counsel of the Seller”);

         

        5.  a
          Security Release Certification, substantially in the form of Exhibit E
          or F,
          as
          applicable, hereto executed by any person, as requested by the Purchaser,
          if any
          of the Mortgage Loans have at any time been subject to any security interest,
          pledge or hypothecation for the benefit of such person;

         

        6.  [Reserved];
          and

         

        7.  a
          certificate or other evidence of merger or change of name, signed or stamped
          by
          the applicable regulatory authority, if any of the Mortgage Loans were
          acquired
          by the Seller by merger or acquired or originated by the Seller while conducting
          business under a name other than its present name, if applicable.

         

        (b)  The
          Closing Documents to be delivered on each Closing Date shall consist of
          fully
          executed originals of the following documents:

         

        1.  a
          Purchase Confirmation in the form of Exhibit
          I
          hereto,
          including all exhibits;

         

        2.  a
          Trade
          Confirmation;

         

        3.  the
          related Mortgage Loan Schedule, with one copy to be attached to the related
          Purchase Confirmation;

         

        4.  each
          of
          the documents required to be delivered by the Seller pursuant to Subsection
          6.03
          hereof;

         

        5.  the
          initial certification of the Custodian with respect to the related Mortgage
          Loan
          Package;

         

        6.  a
          Security Release Certification, substantially in the form of Exhibit
          E or F,
          as
          applicable, hereto executed by any person, as requested by the Purchaser,
          if any
          of the Mortgage Loans have at any time been subject to any security interest,
          pledge or hypothecation for the benefit of such person; 

         

        7.  a
          certificate or other evidence of merger or change of name, signed or stamped
          by
          the applicable regulatory authority, if any of the Mortgage Loans were
          acquired
          by the Seller by merger or acquired or originated by the Seller while conducting
          business under a name other than its present name, if applicable;
          and

         

        8.  if
          requested by the Purchaser in connection with a material change in Seller’s
          financial condition or corporate structure, an updated Officer’s Certificate, in
          the form of Exhibit
          C
          hereto,
          including all attachments thereto and an updated Opinion of Counsel of
          the
          Seller, in the form of Exhibit
          D
          hereto.

         

        The
          Seller shall bear the risk of loss of the closing documents until such
          time as
          they are received by the Purchaser or its attorneys.

         

        SECTION
          12.  Costs.

         

        The
          Purchaser shall pay its due diligence fees and the fees and expenses of
          its
          counsel. All servicing fees incurred prior to the related Closing Date,
          and all
          costs and expenses incurred in connection with the transfer of the Mortgage
          Loans, fees to transfer files and prepare assignments/endorsements, all
          initial
          recording fees, if any, for the assignments of mortgage for all Mortgage
          Loans
          not recorded in the name of MERS, all fees, if any, for transferring record
          ownership on the MERS® System of Mortgage Loans recorded in the name of MERS,
          custodial fees, including the costs associated with clearing exceptions,
          (including costs to record intervening assignments and any existing assumption
          and modification agreements), together with the fees and expenses of Seller’s
          counsel, shall be payable by the Seller.

         

        SECTION
          13.  Cooperation
          of Seller with a Reconstitution.

         

        The
          Seller and the Purchaser agree that with respect to some or all of the
          Mortgage
          Loans, after the related Closing Date, on one or more dates (each a
“Reconstitution
          Date”)
          at the
          Purchaser’s sole option, the Purchaser may effect a sale (each a “Reconstitution”)
          of
          some or all of the Mortgage Loans then subject to this Agreement, without
          recourse, to:

         

        (i)  Fannie
          Mae under its Cash Purchase Program or MBS Program (Special Servicing Option)
          (each a “Fannie
          Mae Transfer”);
          or

         

        (ii)  Freddie
          Mac (the “Freddie
          Mac Transfer”);
          or

         

        (iii)  one
          or
          more third party purchasers in one or more Whole Loan Transfers; or

         

        (iv)  one
          or
          more trusts or other entities to be formed as part of one or more Securitization
          Transactions.

         

        The
          Seller agrees to execute in connection with any Agency Transfer, any and
          all
          pool purchase contracts, and/or agreements reasonably acceptable to the
          Seller
          among the Purchaser, the Seller, Fannie Mae or Freddie Mac (as the case
          may be)
          and any servicer in connection with a Whole Loan Transfer, a seller’s warranties
          and servicing agreement or a participation and servicing agreement in form
          and
          substance reasonably acceptable to the Seller, and in connection with a
          Securitization Transaction, a pooling and servicing agreement in form and
          substance reasonably acceptable to the Seller (collectively the agreements
          referred to herein are designated, the “Reconstitution
          Agreements”).

         

        With
          respect to each Whole Loan Transfer and each Securitization Transaction
          entered
          into by the Purchaser, the Seller agrees (1) to cooperate fully with the
          Purchaser and any prospective purchaser with respect to all reasonable
          requests
          and due diligence procedures; (2) to execute, deliver and perform all
          Reconstitution Agreements required by the Purchaser; and deliver an opinion
          of
          counsel in form and substance satisfactory to the Purchaser if requested
          by the
          Purchaser; and (3) (a) to restate the representations and warranties set
          forth
          in this Agreement as of the settlement or closing date in connection with
          such
          Reconstitution (each, a “Reconstitution
          Date”)
          (or,
          with respect to the Servicing Transfer Representations, as of the Transfer
          Date)or (b) make the representations and warranties set forth in the related
          selling/servicing guide of the master servicer or issuer, as the case may
          be, or
          such representations and warranties as may be required by any Rating Agency
          or
          prospective purchaser of the related securities or such Mortgage Loans,
          in
          connection with such Reconstitution. The Seller shall use its reasonable
          best
          efforts to provide to such master servicer or issuer, as the case may be,
          and
          any other participants in such Reconstitution: (i) any and all information
          and
          appropriate verification of information which may be reasonably available
          to the
          Seller or its affiliates, whether through letters of its auditors and counsel
          or
          otherwise, as the Purchaser or any such other participant shall request;
          (ii)
          such additional representations, warranties, covenants, opinions of counsel,
          letters from auditors, and certificates of public officials or officers
          of the
          Seller as are reasonably believed necessary by the Purchaser or any such
          other
          participant; and (iii) to execute, deliver and satisfy all conditions set
          forth
          in an indemnity agreement substantially in the form of Exhibit
          J
          hereto.
          The Seller shall indemnify the Purchaser, each Affiliate designated by
          the
          Purchaser, each Person who controls the Purchaser or such Affiliate and
          the
          Successor Servicer and hold each of them harmless from and against any
          losses,
          damages, penalties, fines, forfeitures, reasonable and necessary legal
          fees and
          related costs, judgments, and any other costs, fees and expenses that each
          of
          them may sustain in any way related to any information provided by or on
          behalf
          of the Seller regarding the Seller (or if the Seller is not the originator,
          the
          originator of the Mortgage Loans), the Seller’s servicing practices or
          performance, the Mortgage Loans or the Underwriting Guidelines set forth
          in any
          offering document prepared in connection with any Reconstitution. For purposes
          of the previous sentence, “Purchaser” shall mean the Person then acting as the
          Purchaser under this Agreement and any and all Persons who previously were
          “Purchasers” under this Agreement and “Successor Servicer” shall mean the Person
          then acting as the Successor Servicer under this Agreement and any and
          all
          Persons who previously were “Successor Servicers” under this Agreement.
          Moreover, the Seller agrees to cooperate with all reasonable requests made
          by
          the Purchaser to effect such Reconstitution Agreements.

         

        In
          the
          event the Purchaser has elected to have the Seller hold record title to
          the
          Mortgages, prior to the Reconstitution Date, the Seller shall prepare an
          assignment of mortgage in blank or to the prospective purchaser or trustee,
          as
          applicable, from the Seller acceptable to the prospective purchaser or
          trustee,
          as applicable, for each Mortgage Loan that is part of the Reconstitution
          and
          shall pay all preparation and recording costs associated therewith. In
          connection with the Reconstitution, the Seller shall execute each assignment
          of
          mortgage, track such Assignments of Mortgage to ensure they have been recorded
          and deliver them as required by the prospective purchaser or trustee, as
          applicable, upon the Seller’s receipt thereof. Additionally, the Seller shall
          prepare and execute, at the direction of the Purchaser, any note endorsement
          in
          connection with any and all seller/servicer agreements.

         

        All
          Mortgage Loans not sold or transferred pursuant to a Reconstitution shall
          remain
          subject to this Agreement and with respect thereto this Agreement shall
          remain
          in full force and effect.

         

        SECTION
          14.  The
          Seller.

         

        Subsection
          14.01  Additional
          Indemnification by the Seller; Third Party Claims.

         

        The
          Seller shall indemnify the Purchaser and hold it harmless against any and
          all
          claims, losses, damages, penalties, fines, forfeitures, legal fees (including
          (without limitation) legal fees incurred in connection with the enforcement
          of
          the Seller’s indemnification obligation under this Subsection
          14.01)
          and
          related costs, judgments, and any other costs, fees and expenses that the
          Purchaser or the Successor Servicer may sustain in any way related to (a)
          any
          breach of any of Seller’s representations, warranties or covenants set forth in
          this Agreement, (b) the failure of the Seller to perform its duties under
          this
          Agreement or (c) the failure of the Seller to service the Mortgage Loans
          in
          strict compliance with the terms of the Interim Servicing Agreement or
          any
          Reconstitution Agreement entered into pursuant to Section 13.
          The
          Seller immediately shall notify the Purchaser if a claim is made by a third
          party with respect to this Agreement or any Reconstitution Agreement or
          the
          Mortgage Loans, assume (with the prior written consent of the Purchaser)
          the
          defense of any such claim and pay all expenses in connection therewith,
          including counsel fees, and promptly pay, discharge and satisfy any judgment
          or
          decree which may be entered against it or the Purchaser in respect of such
          claim. The Purchaser promptly shall reimburse the Seller for all amounts
          advanced by it pursuant to the preceding sentence, except when the claim
          is in
          any way related to the Seller’s indemnification pursuant to Section 9
          or the
          first sentence of this Subsection 14.01,
          or is
          in any way related to the failure of the Seller to service and administer
          the
          Mortgage Loans in strict compliance with the terms of this Agreement or
          any
          Reconstitution Agreement.

         

        Subsection
          14.02  Merger
          or
          Consolidation of the Seller.

         

        The
          Seller will keep in full effect its existence, rights and franchises as
          a
          corporation under the laws of the state of its formation except as permitted
          herein, and will obtain and preserve its qualification to do business as
          a
          foreign corporation in each jurisdiction in which such qualification is
          or shall
          be necessary to protect the validity and enforceability of this Agreement,
          or
          any of the Mortgage Loans and to perform its duties under this
          Agreement.

         

        Any
          Person into which the Seller may be merged or consolidated, or any entity
          resulting from any merger, conversion or consolidation to which the Seller
          shall
          be a party, or any Person succeeding to the business of the Seller, shall
          be the
          successor of the Seller hereunder, without the execution or filing of any
          paper
          or any further act on the part of any of the parties hereto, anything herein
          to
          the contrary notwithstanding; provided, however, that the successor or
          surviving
          Person shall have a net worth of at least $25,000,000.

         

        SECTION
          15.  Financial
          Statements.

         

        The
          Seller understands that in connection with the Purchaser’s marketing of the
          Mortgage Loans, the Purchaser shall make available to prospective purchasers
          audited financial statements of the Seller for the most recently completed
          three
          (3) fiscal years respecting which such statements are available, as well
          as a
          Consolidated Statement of Condition of the Seller at the end of the last
          two (2)
          fiscal years covered by such Consolidated Statement of Operations. The
          Seller
          shall also make available any comparable interim statements to the extent
          any
          such statements have been prepared by the Seller (and are available upon
          request
          to members or stockholders of the Seller or the public at large). The Seller,
          if
          it has not already done so, agrees to furnish promptly to the Purchaser
          copies
          of the statements specified above. The Seller shall also make available
          information on its servicing performance with respect to loans serviced
          for
          others, including delinquency ratios.

         

        The
          Seller also agrees to allow reasonable access to a knowledgeable financial
          or
          accounting officer for the purpose of answering questions asked by any
          prospective purchaser regarding recent developments affecting the Seller
          or the
          financial statements of the Seller.

         

        SECTION
          16.  Mandatory
          Delivery; Grant of Security Interest.

         

        The
          sale
          and delivery on the related Closing Date of the Mortgage Loans is mandatory
          from
          and after the date of the execution of the related Trade Confirmation,
          it being
          specifically understood and agreed that each Mortgage Loan is unique and
          identifiable on the date hereof and that an award of money damages would
          be
          insufficient to compensate the Purchaser for the losses and damages incurred
          by
          the Purchaser (including damages to prospective purchasers of the Mortgage
          Loans) in the event of the Seller’s failure to deliver (i) each of the
          related Mortgage Loans or (ii) one or more Qualified Substitute Mortgage
          Loans or (iii) one or more Mortgage Loans otherwise acceptable to the
          Purchaser on or before the related Closing Date. The Seller hereby grants
          to the
          Purchaser a lien on and a continuing security interest in each Mortgage
          Loan and
          each document and instrument evidencing each such Mortgage Loan to secure
          the
          performance by the Seller of its obligations under the related Trade
          Confirmation, and the Seller agrees that it shall hold such Mortgage Loans
          in
          custody for the Purchaser subject to the Purchaser’s (i) right to reject
          any Mortgage Loan (or Qualified Substitute Mortgage Loan) under the terms
          of
          this Agreement and to require another Mortgage Loan (or Qualified Substitute
          Mortgage Loan) to be substituted therefor, and (ii) obligation to pay the
          Purchase Price for the Mortgage Loans. All rights and remedies of the Purchaser
          under this Agreement are distinct from, and cumulative with, any other
          rights or
          remedies under this Agreement or afforded by law or equity and all such
          rights
          and remedies may be exercised concurrently, independently or
          successively.

         

        SECTION
          17.  Notices.

         

        All
          demands, notices and communications hereunder shall be in writing and shall
          be
          deemed to have been duly given if mailed, by registered or certified mail,
          return receipt requested, or, if by other means, when received by the other
          party at the address as follows:

         

        
          	 	
                  (i)

                	
                  if
                    to the Seller:

                

        

         

        GreenPoint
          Mortgage Funding, Inc.,

        100
          Wood
          Hollow Drive

        Novato,
          CA 94945

        Attention:
          Susan Davia - Secondary Marketing Division

        Fax:
          415-878-4369

        Email:
          susan.davia@greenpoint.com 

         

        
          	 	
                  (ii)

                	
                  if
                    to the Purchaser:

                

        

         

        Goldman
          Sachs Mortgage Company

        100
          2nd
          Ave.
          South

        Suite
          200S

        St.
          Petersburg, Florida 33701

        Attention:
          Christina Liepold 

         

        or
          such
          other address as may hereafter be furnished to the other party by like
          notice.
          Any such demand, notice or communication hereunder shall be deemed to have
          been
          received on the date delivered to or received at the premises of the addressee
          (as evidenced, in the case of registered or certified mail, by the date
          noted on
          the return receipt).

         

        SECTION
          18.  Severability
          Clause.

         

        Any
          part,
          provision representation or warranty of this Agreement which is prohibited
          or
          unenforceable or is held to be void or unenforceable in any jurisdiction
          shall
          be ineffective, as to such jurisdiction, to the extent of such prohibition
          or
          unenforceability without invalidating the remaining provisions hereof,
          and any
          such prohibition or unenforceability in any jurisdiction as to any Mortgage
          Loan
          shall not invalidate or render unenforceable such provision in any other
          jurisdiction. To the extent permitted by applicable law, the parties hereto
          waive any provision of law which prohibits or renders void or unenforceable
          any
          provision hereof. If the invalidity of any part, provision, representation
          or
          warranty of this Agreement shall deprive any party of the economic benefit
          intended to be conferred by this Agreement, the parties shall negotiate,
          in
          good-faith, to develop a structure the economic effect of which is nearly
          as
          possible the same as the economic effect of this Agreement without regard
          to
          such invalidity.

         

        SECTION
          19.  Counterparts.

         

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

         

        SECTION
          20.  Governing
          Law.

         

        This
          Agreement shall be deemed in effect when a fully executed counterpart thereof
          is
          received by the Purchaser in the State of New York and shall be deemed
          to have
          been made in the State of New York. The Agreement shall be construed in
          accordance with the laws of the State of New York and the obligations,
          rights
          and remedies of the parties hereunder shall be determined in accordance
          with the
          substantive laws of the State of New York (without regard to conflicts
          of laws
          principles), except to the extent preempted by federal law.

         

        SECTION
          21.  Intention
          of the Parties.

         

        It
          is the
          intention of the parties that the Purchaser is purchasing, and the Seller
          is
          selling the Mortgage Loans and not a debt instrument of the Seller or another
          security. 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 Mortgage Loans. Moreover, the arrangement under which
          the
          Mortgage Loans are held shall be consistent with classification of such
          arrangement as a grantor trust in the event it is not found to represent
          direct
          ownership of the Mortgage Loans. The Purchaser shall have the right to
          review
          the Mortgage Loans and the related Mortgage Loan Files to determine the
          characteristics of the Mortgage Loans which shall affect the federal income
          tax
          consequences of owning the Mortgage Loans and the Seller shall cooperate
          with
          all reasonable requests made by the Purchaser in the course of such
          review.

         

        SECTION
          22.  Successors
          and Assigns; Assignment of Purchase Agreement.

         

        This
          Agreement shall bind and inure to the benefit of and be enforceable by
          the
          Seller and the Purchaser and the respective permitted successors and assigns
          of
          the Seller and the successors and assigns of the Purchaser. This Agreement
          shall
          not be assigned, pledged or hypothecated by the Seller to a third party
          without
          the prior written consent of the Purchaser, which consent may be withheld
          by the
          Purchaser in its sole discretion. This Agreement may be assigned, pledged
          or
          hypothecated by the Purchaser in whole or in part, and with respect to
          one or
          more of the Mortgage Loans, without the consent of the Seller. If the Purchaser
          assigns any or all of its rights as Purchaser hereunder, the assignee of
          the
          Purchaser will become the “Purchaser”
          hereunder to the extent of such assignment. Any such assignment by the
          Purchaser
          shall be accompanied by the delivery and execution of an Assignment and
          Assumption Agreement (the “Assignment
          and Assumption Agreement”)
          in the
          form attached hereto as Exhibit
          G.

         

        SECTION
          23.  Waivers.

         

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

         

        SECTION
          24.  Exhibits.

         

        The
          exhibits to this Agreement are hereby incorporated and made a part hereof
          and
          are an integral part of this Agreement.

         

        SECTION
          25.  General
          Interpretive Principles.

         

        For
          purposes of this Agreement, except as otherwise expressly provided or unless
          the
          context otherwise requires:

         

        (a)  the
          terms
          defined in this Agreement have the meanings assigned to them in this Agreement
          and include the plural as well as the singular, and the use of any gender
          herein
          shall be deemed to include the other gender;

         

        (b)  accounting
          terms not otherwise defined herein have the meanings assigned to them in
          accordance with generally accepted accounting principles;

         

        (c)  references
          herein to “Articles,” “Sections,” “Subsections,” “Paragraphs,” and other
          subdivisions without reference to a document are to designated Articles,
          Sections, Subsections, Paragraphs and other subdivisions of this
          Agreement;

         

        (d)  reference
          to a Subsection without further reference to a Section is a reference to
          such
          Subsection as contained in the same Section in which the reference appears,
          and
          this rule shall also apply to Paragraphs and other subdivisions;

         

        (e)  the
          words
“herein,” “hereof,” “hereunder” and other words of similar import refer to this
          Agreement as a whole and not to any particular provision; and

         

        (f)  the
          term
“include” or “including” shall mean without limitation by reason of
          enumeration.

         

        SECTION
          26.  Reproduction
          of Documents.

         

        This
          Agreement and all documents relating thereto, including, without limitation,
          (a) consents, waivers and modifications which may hereafter be executed,
          (b) documents received by any party at the closing, and (c) financial
          statements, certificates and other information previously or hereafter
          furnished, may be reproduced by any photographic, photostatic, microfilm,
          micro-card, miniature photographic or other similar process. The parties
          agree
          that any such reproduction shall be admissible in evidence as the original
          itself in any judicial or administrative proceeding, whether or not the
          original
          is in existence and whether or not such reproduction was made by a party
          in the
          regular course of business, and that any enlargement, facsimile or further
          reproduction of such reproduction shall likewise be admissible in
          evidence.

         

        SECTION
          27.  Further
          Agreements.

         

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

         

        SECTION
          28.  Recordation
          of Assignments of Mortgage.

         

        To
          the
          extent permitted by applicable law, for Mortgage Loans which are not registered
          with MERS, each of the Assignments of Mortgage is subject to recordation
          in all
          appropriate public offices for real property records in all the counties
          or
          their comparable jurisdictions in which any or all of the Mortgaged Properties
          are situated, and in any other appropriate public recording office or elsewhere,
          such recordation to be effected at the Seller’s expense in the event recordation
          is either necessary under applicable law or requested by the Purchaser
          (which
          request may be made by the Purchaser at any time following the related
          Closing
          Date) at its sole option.

         

        SECTION
          29.  No
          Solicitation.

         

        From
          and
          after the related Closing Date, the Seller agrees that it will not take
          any
          action or permit or cause any action to be taken by any of its agents or
          affiliates, or by any independent contractors on the Seller’s behalf, to
          personally, by telephone or mail, solicit the Mortgagor under any Mortgage
          Loan
          for any purpose whatsoever, including to refinance a Mortgage Loan, in
          whole or
          in part, without the prior written consent of the Purchaser. It is understood
          and agreed that all rights and benefits relating to the solicitation of
          any
          Mortgagors and the attendant rights, title and interest in and to the list
          of
          such Mortgagors and data relating to their Mortgages (including insurance
          renewal dates) shall be transferred to the Purchaser pursuant hereto on
          the
          related Closing Date and the Seller shall take no action to undermine these
          rights and benefits. Notwithstanding the foregoing, it is understood and
          agreed
          that promotions undertaken by the Seller or any affiliate of the Seller
          which
          are directed to the general public at large, including, without limitation,
          mass
          mailing, internet and e-mail solicitations, based in all instances, on
          commercially acquired mailing lists (which may not be targeted at the
          Mortgagors) and newspaper, radio and television advertisements shall not
          constitute solicitation under this Section
          29.

         

        SECTION
          30.  Waiver
          of Trial by Jury.

         

        THE
          SELLER AND THE PURCHASER EACH KNOWINGLY, VOLUNTARILY AND INTENTIONALLY
          WAIVES TO
          THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW ANY RIGHT IT MAY HAVE TO
          A TRIAL
          BY JURY OF ANY DISPUTE ARISING UNDER OR RELATING TO THIS AGREEMENT OR THE
          TRANSACTIONS CONTEMPLATED HEREBY.

         

        SECTION
          31.  Submission
          to Jurisdiction; Waivers.

         

        The
          Seller hereby irrevocably and unconditionally:

         

        (A)  SUBMITS
          FOR ITSELF AND ITS PROPERTY IN ANY LEGAL ACTION OR PROCEEDING RELATING
          TO THIS
          AGREEMENT, OR FOR RECOGNITION AND ENFORCEMENT OF ANY JUDGMENT IN RESPECT
          THEREOF, TO THE NON-EXCLUSIVE GENERAL JURISDICTION OF THE COURTS OF THE
          STATE OF
          NEW YORK, THE FEDERAL COURTS OF THE UNITED STATES OF AMERICA FOR THE SOUTHERN
          DISTRICT OF NEW YORK, AND APPELLATE COURTS FROM ANY THEREOF;

         

        (B)  CONSENTS
          THAT ANY SUCH ACTION OR PROCEEDING MAY BE BROUGHT IN SUCH COURTS AND, TO
          THE
          EXTENT PERMITTED BY LAW, WAIVES ANY OBJECTION THAT IT MAY NOW OR HEREAFTER
          HAVE
          TO THE VENUE OF ANY SUCH ACTION OR PROCEEDING IN ANY SUCH COURT OR THAT
          SUCH
          ACTION OR PROCEEDING WAS BROUGHT IN AN INCONVENIENT COURT AND AGREES NOT
          TO
          PLEAD OR CLAIM THE SAME;

         

        (C)  AGREES
          THAT SERVICE OF PROCESS IN ANY SUCH ACTION OR PROCEEDING MAY BE EFFECTED
          BY
          MAILING A COPY THEREOF BY REGISTERED OR CERTIFIED MAIL (OR ANY SUBSTANTIALLY
          SIMILAR FORM OF MAIL), POSTAGE PREPAID, TO ITS ADDRESS SET FORTH HEREIN
          OR AT
          SUCH OTHER ADDRESS OF WHICH THE PURCHASER SHALL HAVE BEEN NOTIFIED;
          AND

         

        (D)  AGREES
          THAT NOTHING HEREIN SHALL AFFECT THE RIGHT TO EFFECT SERVICE OF PROCESS
          IN ANY
          OTHER MANNER PERMITTED BY LAW OR SHALL LIMIT THE RIGHT TO SUE IN ANY OTHER
          JURISDICTION.

         

        SECTION
          32.  Confidential
          Information.

         

        The
          Seller and Purchaser understand and agree that this Agreement, any other
          agreements executed in connection with the sale contemplated hereunder,
          any
          agreements executed in connection with any Reconstitution, and any offering
          circulars or other disclosure documents produced in connection with any
          Reconstitution are confidential and proprietary to the Purchaser or Seller,
          and
          the Seller and Purchaser agree to hold such documents confidential and
          not to
          divulge such documents to anyone except (a) to the extent required by law
          or
          judicial order or to enforce its rights or remedies under this Agreement,
          (b) to
          the extent such information enters into the public domain other than through
          the
          wrongful act of the Seller or the Purchaser, as the case may be, (c) as
          is
          necessary in working with legal counsel, rating agencies, auditors, agents,
          taxing authorities or other governmental agencies or (d) the federal income
          tax
          treatment of the transactions hereunder, any fact relevant to understanding
          the
          federal tax treatment of the transactions hereunder, and all materials
          of any
          kind (including opinions or other tax analyses) relating to such federal
          income
          tax treatment; provided that the Seller may not disclose the name of or
          identifying information with respect to Purchaser or any pricing terms
          or other
          nonpublic business or financial information that is unrelated to the purported
          or claimed federal income tax treatment of the transactions hereunder and
          is not
          relevant to understanding the purported or claimed federal income tax treatment
          of the transactions hereunder. Moreover, the Seller understands and agrees
          that
          this Agreement, any other agreements executed in connection with the sale
          contemplated hereunder, any agreements executed in connection with the
          securitization of the Mortgage Loans, and any offering circulars or other
          disclosure documents produced in connection with such securitization are
          confidential and proprietary to the Purchaser, and the Seller agrees to
          hold
          such documents confidential and not to divulge such documents to anyone
          except
          (a) to the extent required by law or judicial order or to enforce its
          rights or remedies under this Agreement, (b) to the extent such information
          enters into the public domain other than through the wrongful act of the
          Seller,
          or (c) as is necessary in working with legal counsel, auditors, agents,
          rating agencies, taxing authorities or other governmental agencies. The
          rights
          and obligations set forth in this paragraph shall survive the Closing Date
          and
          shall not merge into the closing documents but shall be independently
          enforceable by the parties hereto.

         

        SECTION
          33.  Compliance
          with Regulation AB.

         

        Subsection
          33.01  Intent
          of
          the Parties; Reasonableness.

         

        The
          Purchaser and the Seller acknowledge and agree that the purpose of Section 33
          of this
          Agreement is to facilitate compliance by the Purchaser and any Depositor
          with
          the provisions of Regulation AB and related rules and regulations of the
          Commission. Although Regulation AB is applicable by its terms only to offerings
          of asset-backed securities that are registered under the Securities Act,
          the
          Company acknowledges that investors in privately offered securities may
          require
          that the Purchaser or any Depositor provide comparable disclosure in
          unregistered offerings. References in this Agreement to compliance with
          Regulation AB include provision of comparable disclosure in private
          offerings.

         

        Neither
          the Purchaser nor any Depositor shall exercise its right to request delivery
          of
          information or other performance under these provisions other than in good
          faith, or for purposes other than compliance with the Securities Act, the
          Exchange Act and the rules and regulations of the Commission thereunder
          (or the
          provision in a private offering of disclosure comparable to that required
          under
          the Securities Act). The Seller acknowledges that interpretations of the
          requirements of Regulation AB may change over time, whether due to
          interpretive guidance provided by the Commission or its staff, consensus
          among
          participants in the asset-backed securities markets, advice of counsel,
          or
          otherwise, and agrees to comply with requests made by the Purchaser or
          any
          Depositor in good faith for delivery of information under these provisions
          on
          the basis of evolving interpretations of Regulation AB. In connection with
          any Securitization Transaction, the Seller shall cooperate fully with the
          Purchaser to deliver to the Purchaser (including any of its assignees or
          designees) and any Depositor, any and all statements, reports, certifications,
          records and any other information necessary in the good faith determination
          of
          the Purchaser or any Depositor to permit the Purchaser or such Depositor
          to
          comply with the provisions of Regulation AB, together with such disclosures
          relating to the Seller, any Third-Party Originator and the Mortgage Loans,
          or
          the servicing of the Mortgage Loans, reasonably believed by the Purchaser
          or any
          Depositor to be necessary in order to effect such compliance.

         

        The
          Purchaser (including any of its assignees or designees) shall cooperate
          with the
          Seller by providing timely notice of requests for information under these
          provisions and by reasonably limiting such requests to information required,
          in
          the Purchaser’s reasonable judgment, to comply with Regulation AB.

         

        Subsection
          33.02  Additional
          Representations and Warranties of the Seller.

         

        (a)  The
          Seller shall be deemed to represent to the Purchaser and to any Depositor,
          as of
          the date on which information is first provided to the Purchaser or any
          Depositor under Subsection 33.03
          that,
          except as disclosed in writing to the Purchaser or such Depositor prior
          to such
          date: (i) there are no material legal or governmental proceedings pending
          (or known to be contemplated) against the Seller or any Third-Party Originator;
          and (ii) there are no affiliations, relationships or transactions relating
          to the Seller or any Third-Party Originator with respect to any Securitization
          Transaction and any party thereto identified by the related Depositor of
          a type
          described in Item 1119 of Regulation AB.

         

        (b)  If
          so
          requested by the Purchaser or any Depositor on any date following the date
          on
          which information is first provided to the Purchaser or any Depositor under
          Subsection 33.03,
          the
          Seller shall, within five (5) Business Days following such request, confirm
          in
          writing the accuracy of the representations and warranties set forth in
          paragraph (a) of this Section or, if any such representation and warranty
          is not accurate as of the date of such request, provide reasonably adequate
          disclosure of the pertinent facts, in writing, to the requesting
          party.

         

        Subsection
          33.03  Information
          To Be Provided by the Seller.

         

        In
          connection with any Securitization Transaction the Seller shall (i) within
          five (5) Business Days following request by the Purchaser or any Depositor,
          provide to the Purchaser and such Depositor (or, as applicable, cause each
          Third-Party Originator to provide), in writing and in form and substance
          reasonably satisfactory to the Purchaser and such Depositor, the information
          and
          materials specified in paragraphs (a) and (b) of this Subsection, and
          (ii) as promptly as practicable following notice to or discovery by the
          Seller, provide to the Purchaser and any Depositor (in writing and in form
          and
          substance reasonably satisfactory to the Purchaser and such Depositor)
          the
          information specified in paragraph (d) of this
          Subsection.

         

        (a)  If
          so
          requested by the Purchaser or any Depositor, the Seller shall provide such
          information regarding (i) the Seller, as originator of the Mortgage Loans
          (including as an acquirer of Mortgage Loans from a Qualified Correspondent),
          or
          (ii) each Third-Party Originator, as is requested for the purpose of
          compliance with Items 1103(a)(1), 1105, 1110, 1117 and 1119 of
          Regulation AB. Such information shall include, at a minimum:

         

        (A)  the
          originator’s form of organization;

         

        (B)  a
          description of the originator’s origination program and how long the originator
          has been engaged in originating residential mortgage loans, which description
          shall include a discussion of the originator’s experience in originating
          mortgage loans of a similar type as the Mortgage Loans; information regarding
          the size and composition of the originator’s origination portfolio; and
          information that may be material, in the good faith judgment of the Purchaser
          or
          any Depositor, to an analysis of the performance of the Mortgage Loans,
          including the originator’s credit-granting or underwriting criteria for mortgage
          loans of similar type(s) as the Mortgage Loans and such other information
          as the
          Purchaser or any Depositor may reasonably request for the purpose of compliance
          with Item 1110(b)(2) of Regulation AB;

         

        (C)  a
          description of any material legal or governmental proceedings pending (or
          known
          to be contemplated) against the Seller and each Third-Party Originator;
          and

         

        (D)  a
          description of any affiliation or relationship between the Seller, each
          Third-Party Originator and any of the following parties to a Securitization
          Transaction, as such parties are identified to the Seller by the Purchaser
          or
          any Depositor in writing in advance of such Securitization
          Transaction:

         

        1.  the
          sponsor;

        2.  the
          depositor;

        3.  the
          issuing entity;

        4.  any
          servicer;

        5.  any
          trustee;

        6.  any
          originator;

        7.  any
          significant obligor;

        8.  any
          enhancement or support provider; and

        9.  any
          other
          material transaction party.

         

        (b)  If
          so
          requested by the Purchaser or any Depositor, the Seller shall provide (or,
          as
          applicable, cause each Third-Party Originator to provide) Static Pool
          Information with respect to the mortgage loans (of a similar type as the
          Mortgage Loans, as reasonably identified by the Purchaser as provided below)
          originated by (i) the Seller, if the Seller is an originator of Mortgage
          Loans (including as an acquirer of Mortgage Loans from a Qualified
          Correspondent), and/or (ii) each Third-Party Originator in each case to the
          extent available without undue cost or expense. Such Static Pool Information
          shall be prepared by the Seller (or Third-Party Originator) on the basis
          of its
          reasonable, good faith interpretation of the requirements of
          Item 1105(a)(1)-(3) of Regulation AB; provided, however, that the
          Seller shall not be required to provide Static Pool Information with respect
          to
          mortgage loans originated prior to January 1, 206 in accordance with Item
          1105(f) of Regulation AB. To the extent that there is reasonably available
          to
          the Seller (or Third-Party Originator) Static Pool Information with respect
          to
          more than one mortgage loan type, the Purchaser or any Depositor shall
          be
          entitled to specify whether some or all of such information shall be provided
          pursuant to this paragraph. The content of such Static Pool Information
          may be
          in the form customarily provided by the Seller, and need not be customized
          for
          the Purchaser or any Depositor. Such Static Pool Information for each vintage
          origination year or prior securitized pool, as applicable, shall be presented
          in
          increments no less frequently than quarterly over the life of the mortgage
          loans
          included in the vintage origination year or prior securitized pool. The
          most
          recent periodic increment must be as of a date no later than one hundred
          thirty-five (135) days prior to the date of the prospectus or other
          offering document in which the Static Pool Information is to be included
          or
          incorporated by reference. The Static Pool Information shall be provided
          in an
          electronic format that provides a permanent record of the information provided,
          such as a portable document format (pdf) file, or other such electronic
          format
          reasonably required by the Purchaser or the Depositor, as applicable.

         

        With
          respect to those Mortgage Loans that were originated by Seller and sold
          to the
          Purchaser pursuant to this Agreement and subsequently securitized by the
          Purchaser or any of its Affiliates, the Purchaser shall, to the extent
          consistent with then-current industry practice, (a) cause the servicer
          (or
          another party to such securitization) under the securitization to be obligated
          to provide, information with respect to the Mortgage Loans from and after
          cut-off date of such securitization necessary for the Seller to comply
          with its
          obligations under Regulation AB, including, without limitation, providing
          to the
          Seller static pool information, as set forth in Item 1105(a)(2) and (5)
          of
          Regulation AB and (b) indemnify or cause the servicer to indemnify the
          Purchaser
          for all losses, claims or expenses resulting from any material misstatement
          in
          such information.

         

        Promptly
          following notice or discovery of a material error in Static Pool Information
          provided pursuant to the immediately preceding paragraph (including an
          omission
          to include therein information required to be provided pursuant to such
          paragraph), the Seller shall provide corrected Static Pool Information
          to the
          Purchaser or any Depositor, as applicable, in the same format in which
          Static
          Pool Information was previously provided to such party by the
          Seller.

         

        If
          so
          requested by the Purchaser or any Depositor, the Seller shall provide (or,
          as
          applicable, cause each Third-Party Originator to provide), at the expense
          of the
          requesting party (to the extent of any additional incremental expense associated
          with delivery pursuant to this Agreement), such agreed-upon procedures
          letters
          of certified public accountants reasonably acceptable to the Purchaser
          or
          Depositor, as applicable, pertaining to Static Pool Information relating
          to
          prior securitized pools for securitizations closed on or after January 1,
          2006 or, in the case of Static Pool Information with respect to the Seller’s or
          Third-Party Originator’s originations or purchases, to calendar months
          commencing January 1, 2006, as the Purchaser or such Depositor shall
          reasonably request. Such letters shall be addressed to and be for the benefit
          of
          such parties as the Purchaser or such Depositor shall designate, which
          may
          include, by way of example, any Sponsor, any Depositor and any broker dealer
          acting as underwriter, placement agent or initial purchaser with respect
          to a
          Securitization Transaction. Any such statement or letter may take the form
          of a
          standard, generally applicable document accompanied by a reliance letter
          authorizing reliance by the addressees designated by the Purchaser or such
          Depositor.

         

        (c)  [Reserved]
          

         

        (d)  If
          so
          requested by the Purchaser or any Depositor for the purpose of satisfying
          its
          reporting obligation under the Exchange Act with respect to any class of
          asset-backed securities, the Seller shall (or shall cause each Third-Party
          Originator to) (i) notify the Purchaser and any Depositor in writing of
          (A) any material litigation or governmental proceedings pending against the
          Seller or any Third-Party Originator and (B) any affiliations or
          relationships that develop following the closing date of a Securitization
          Transaction between the Seller or any Third-Party Originator and any of
          the
          parties specified in clause (D) of paragraph (a) of this
          Subsection (and any other parties identified in writing by the requesting
          party) with respect to such Securitization Transaction, and (ii) provide to
          the Purchaser and any Depositor a description of such proceedings, affiliations
          or relationships.

         

        Subsection
          33.04  Indemnification.

         

        The
          Seller shall indemnify the Purchaser, each affiliate of the Purchaser,
          the
          Depositor and each of the following parties participating in a Securitization
          Transaction: each sponsor and issuing entity; each Person responsible for
          the
          preparation, execution or filing of any report required to be filed with
          the
          Commission with respect to such Securitization Transaction, or for execution
          of
          a certification pursuant to Rule 13a-14(d) or Rule 15d-14(d) under the
          Exchange Act with respect to such Securitization Transaction; each broker
          dealer
          acting as underwriter, placement agent or initial purchaser, each Person
          who
          controls any of such parties or the Depositor (within the meaning of
          Section 15 of the Securities Act and Section 20 of the Exchange Act);
          and the respective present and former directors, officers, employees and
          agents
          of each of the foregoing and of the Depositor, and shall hold each of them
          harmless from and against any losses, damages, penalties, fines, forfeitures,
          legal fees and expenses and related costs, judgments, and any other costs,
          fees
          and expenses that any of them may sustain arising out of or based
          upon:

         

        (i)(A) any
          untrue statement of a material fact contained or alleged to be contained
          in any
          information, report, certification, accountants’ letter or other material
          provided in written or electronic form under this Section 33
          by or on
          behalf of the Seller, or provided under this Section 33
          by or on
          behalf of any Third-Party Originator (collectively, the “Seller
          Information”),
          or
(B)
          the
          omission or alleged omission to state in the Seller Information a material
          fact
          required to be stated in the Seller Information or necessary in order to
          make
          the statements therein, in the light of the circumstances under which they
          were
          made, not misleading; provided, by way of clarification, that
          clause (B) of this paragraph shall be construed solely by
          reference to the Seller Information and not to any other information
          communicated in connection with a sale or purchase of securities, without
          regard
          to whether the Seller Information or any portion thereof is presented together
          with or separately from such other information;

         

        (ii)  any
          failure by the Seller or any Third-Party Originator to deliver any information,
          report, certification, accountants’ letter or other material when and as
          required under this Section 33;
          or

         

        (iii)  any
          breach by the Seller of a representation or warranty set forth in Subsection 33.02(a)
          or in a
          writing furnished pursuant to Subsection 33.02(b)
          and made
          as of a date prior to the closing date of the related Securitization
          Transaction, to the extent that such breach is not cured by such closing
          date,
          or any breach by the Seller of a representation or warranty in a writing
          furnished pursuant to Subsection 33.02(b)
          to the
          extent made as of a date subsequent to such closing date.

         

        In
          the
          case of any failure of performance described in clause (a)(ii) of this
          Section, the Seller shall promptly reimburse the Purchaser, any Depositor,
          as
          applicable, and each Person responsible for the preparation, execution
          or filing
          of any report required to be filed with the Commission with respect to
          such
          Securitization Transaction, or for execution of a certification pursuant
          to
          Rule 13a-14(d) or Rule 15d-14(d) under the Exchange Act with respect
          to such Securitization Transaction, for all costs reasonably incurred by
          each
          such party in order to obtain the information, report, certification,
          accountants’ letter or other material not delivered as required by the Seller or
          any Third-Party Originator.

         

        The
          indemnification provisions of this Section shall survive the termination
          of this
          Agreement or the termination of any party to this Agreement.

         

        [Signatures
          Commence on Following Page]

        

        
          
            
            

          

          
            
            

            
              

            

          

          
            
            

          

        

         

        IN
          WITNESS WHEREOF, the Seller and the Purchaser have caused their names to
          be
          signed hereto by their respective officers thereunto duly authorized as
          of the
          date first above written.

         

        

        
          	 	 	 	 	 	 	 	
                  GOLDMAN
                    SACHS MORTGAGE COMPANY,

                  a
                    New York limited partnership

                  (Purchaser)

                
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
                  By:

                	
                  GOLDMAN
                    SACHS REAL ESTATE FUNDING CORP.,

                  a
                    New York corporation, as General Partner

                
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
                  By:

                	 
	 	 	 	 	 	 	 	
                  Name:

                	 
	 	 	 	 	 	 	 	
                  Title:

                	 

        

         

        

         

        

        
          	 	 	 	 	 	 	 	
                  GREENPOINT
                    MORTGAGE FUNDING, INC.

                  (Seller)

                
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
                  By:

                	 
	 	 	 	 	 	 	 	
                  Name:

                	 
	 	 	 	 	 	 	 	
                  Title:

                	 

        

         

        

         

        

        

        
          
            
            

          

          
            
            

            
              

            

          

          
            
            

          

        

        

         

        EXHIBIT
          A

         

        CONTENTS
          OF EACH MORTGAGE FILE

         

        With
          respect to each Mortgage Loan, the Mortgage File shall include each of
          the
          following items, which shall be available for inspection by the Purchaser
          and
          any prospective Purchaser, and which shall be delivered to the Custodian,
          or to
          such other Person as the Purchaser shall designate in writing, pursuant
          to
Section
          6
          of the
          Flow Mortgage Loan Purchase and Warranties Agreement to which this Exhibit
          is
          attached (the “Agreement”):

         

        (a)  the
          original Mortgage Note bearing all intervening endorsements, endorsed “Pay to
          the order of _________, without recourse” and signed in the name of the last
          endorsee (the “Last
          Endorsee”)
          by an
          authorized officer. To the extent that there is no room on the face of
          the
          Mortgage Notes for endorsements, the endorsement may be contained on an
          allonge,
          if state law so allows and the Custodian is so advised by the Seller that
          state
          law so allows. If the Mortgage Loan was acquired by the Seller in a merger,
          the
          endorsement must be by “[Last Endorsee], successor by merger to [name of
          predecessor]”. If the Mortgage Loan was acquired or originated by the Last
          Endorsee while doing business under another name, the endorsement must
          be by
“[Last Endorsee], formerly known as [previous name]”;

         

        (b)  the
          original of any guarantee executed in connection with the Mortgage
          Note;

         

        (c)  the
          original Mortgage with evidence of recording thereon. If in connection
          with any
          Mortgage Loan, the Seller cannot deliver or cause to be delivered the original
          Mortgage with evidence of recording thereon on or prior to the related
          Closing
          Date because of a delay caused by the public recording office where such
          Mortgage has been delivered for recordation or because such Mortgage has
          been
          lost or because such public recording office retains the original recorded
          Mortgage, the Seller shall deliver or cause to be delivered to the Custodian,
          a
          photocopy of such Mortgage, together with (i) in the case of a delay caused
          by the public recording office, an Officer’s Certificate of the Seller (or
          certified by the title company, escrow agent, or closing attorney) stating
          that
          such Mortgage has been dispatched to the appropriate public recording office
          for
          recordation and that the original recorded Mortgage or a copy of such Mortgage
          certified by such public recording office to be a true and complete copy
          of the
          original recorded Mortgage will be promptly delivered to the Custodian
          upon
          receipt thereof by the Seller; or (ii) in the case of a Mortgage where a
          public recording office retains the original recorded Mortgage or in the
          case
          where a Mortgage is lost after recordation in a public recording office,
          a copy
          of such Mortgage certified by such public recording office to be a true
          and
          complete copy of the original recorded Mortgage;

         

        (d)  the
          originals of all assumption, modification, consolidation or extension
          agreements, if any, with evidence of recording thereon;

         

        (e)  except
          with respect to each MERS Designated Mortgage Loan, the original Assignment
          of
          Mortgage for each Mortgage Loan, in form and substance acceptable for recording.
          The Assignment of Mortgage must be duly recorded only if recordation is
          either
          necessary under applicable law or commonly required by private institutional
          mortgage investors in the area where the Mortgaged Property is located
          or on
          direction of the Purchaser as provided in this Agreement. If the Assignment
          of
          Mortgage is to be recorded, the Mortgage shall be assigned to the Purchaser.
          If
          the Assignment of Mortgage is not to be recorded, the Assignment of Mortgage
          shall be delivered in blank. If the Mortgage Loan was acquired by the Seller
          in
          a merger, the Assignment of Mortgage must be made by “[SELLER], successor by
          merger to [name of predecessor]”. If the Mortgage Loan was acquired or
          originated by the Seller while doing business under another name, the Assignment
          of Mortgage must be by “[SELLER], formerly known as [previous
          name]”;

         

        (f)  the
          originals of all intervening assignments of mortgage (if any) evidencing
          a
          complete chain of assignment from the originator to the Last Endorsee (or
          to
          MERS with respect to each MERS Designated Mortgage Loan) with evidence
          of
          recording thereon, or if any such intervening assignment has not been returned
          from the applicable recording office or has been lost or if such public
          recording office retains the original recorded assignments of mortgage,
          the
          Seller shall deliver or cause to be delivered to the Custodian, a photocopy
          of
          such intervening assignment, together with (i) in the case of a delay
          caused by the public recording office, an Officer’s Certificate of the Seller
          (or certified by the title company, escrow agent, or closing attorney)
          stating
          that such intervening assignment of mortgage has been dispatched to the
          appropriate public recording office for recordation and that such original
          recorded intervening assignment of mortgage or a copy of such intervening
          assignment of mortgage certified by the appropriate public recording office
          to
          be a true and complete copy of the original recorded intervening assignment
          of
          mortgage will be promptly delivered to the Custodian upon receipt thereof
          by the
          Seller; or (ii) in the case of an intervening assignment where a public
          recording office retains the original recorded intervening assignment or
          in the
          case where an intervening assignment is lost after recordation in a public
          recording office, a copy of such intervening assignment certified by such
          public
          recording office to be a true and complete copy of the original recorded
          intervening assignment;

         

        (g)  The
          original mortgagee policy of title insurance or, in the event such original
          title policy is unavailable, a certified true copy of the related policy
          binder
          or commitment for title certified to be true and complete by the title
          insurance
          company; and

         

        (h)  security
          agreement, chattel mortgage or equivalent document executed in connection
          with
          the Mortgage.

         

          In
          the
          event an Officer’s Certificate of the Seller is delivered to the Purchaser
          because of a delay caused by the public recording office in returning any
          recorded document, the Seller shall deliver to the Purchaser, within ninety
          (90)
          days of the related Closing Date, an Officer’s Certificate which shall
          (i) identify the recorded document, (ii) state that the recorded
          document has not been delivered to the Custodian due solely to a delay
          caused by
          the public recording office, (iii) state the amount of time generally
          required by the applicable recording office to record and return a document
          submitted for recordation, and (iv) specify the date the applicable
          recorded document will be delivered to the Custodian. An extension of the
          date
          specified in (iv) above may be requested from the Purchaser, which consent
          shall not be unreasonably withheld.

         

        EXHIBIT
          B

         

        CONTENTS
          OF EACH CREDIT FILE

         

        (a)  The
          original hazard insurance policy and, if required by law, flood insurance
          policy.

         

        (b)  Residential
          loan application.

         

        (c)  Mortgage
          Loan closing statement.

         

        (d)  Verification
          of employment and income (except for Mortgage Loans originated under a
          Limited
          Documentation Program).

         

        (e)  Verification
          of acceptable evidence of source and amount of downpayment.

         

        (f)  Credit
          report on the Mortgagor.

         

        (g)  Residential
          appraisal report, if available.

         

        (h)  Photograph
          of the Mortgaged Property.

         

        (i)  Survey
          of
          the Mortgaged Property, if any.

         

        (j)  Copy
          of
          each instrument necessary to complete identification of any exception set
          forth
          in the exception schedule in the title policy, i.e., map or plat, restrictions,
          easements, sewer agreements, home association declarations, etc.

         

        (k)  All
          required disclosure statements.

         

        (l)  If
          available, termite report, structural engineer’s report, water potability and
          septic certification.

         

        (m)  Sales
          contract, if applicable.

         

        (n)  Tax
          receipts, insurance premium receipts, ledger sheets, payment history from
          date
          of origination, insurance claim files, correspondence, current and historical
          computerized data files, and all other processing, underwriting and closing
          papers and records which are customarily contained in a mortgage loan file
          and
          which are required to document the Mortgage Loan or to service the Mortgage
          Loan.

         

        (o)  Amortization
          schedule, if applicable.

         

        (p)  The
          Underwriting Guidelines for the Mortgage Loan.

        

        

         

        EXHIBIT
          C

         

        SELLER’S
          OFFICER’S CERTIFICATE

         

          I,
          ____________________, hereby certify that I am the duly elected [Vice]
          President
          of ________________ [COMPANY], a [state] [federally] chartered institution
          organized under the laws of the [state of ____________] [United States]
          (the
“Company”)
          and
          further as follows:

         

        1.  Attached
          hereto as Exhibit
          1
          is a
          true, correct and complete copy of the charter of the Company which is
          in full
          force and effect on the date hereof and which has been in effect without
          amendment, waiver, rescission or modification since ___________.

         

        2.  Attached
          hereto as Exhibit
          2
          is a
          true, correct and complete copy of the bylaws of the Company which are
          in effect
          on the date hereof and which have been in effect without amendment, waiver,
          rescission or modification since ___________.

         

        3.  Attached
          hereto as Exhibit
          3
          is an
          original certificate of good standing of the Company issued within ten
          (10) days
          of the date hereof, and no event has occurred since the date thereof which
          would
          impair such standing.

         

        4.  Attached
          hereto as Exhibit
          4
          is a
          true, correct and complete copy of the corporate resolutions of the Board
          of
          Directors of the Company authorizing the Company to execute and deliver
          each of
          the Flow Mortgage Loan Purchase and Warranties Agreement, dated as of October
          1,
          2006, by and between Goldman Sachs Mortgage Company (the “Purchaser”)
          and
          the Company (the “Purchase
          Agreement”),
          the
          Flow Interim Servicing Agreement, dated as of October 1, 2006, by and between
          the Purchaser and the Company (the “Servicing
          Agreement”,
          together with the Purchase Agreement, the “Agreements”),
          and
          to endorse the Mortgage Notes and execute the Assignments of Mortgages
          by
          original or facsimile signature, and such resolutions are in effect on
          the date
          hereof and have been in effect without amendment, waiver, rescission or
          modification since ____________.

         

        5.  Either
          (i) no consent, approval, authorization or order of any court or
          governmental agency or body is required for the execution, delivery and
          performance by the Company of or compliance by the Company with the Agreements,
          the sale of the mortgage loans or the consummation of the transactions
          contemplated by the agreements; or (ii) any required consent, approval,
          authorization or order has been obtained by the Company.

         

        6.  Neither
          the consummation of the transactions contemplated by, nor the fulfillment
          of the
          terms of the Agreements conflicts or will conflict with or results or will
          result in a breach of or constitutes or will constitute a default under
          the
          charter or by-laws of the Company, the terms of any indenture or, to the
          best of
          the Company’s knowledge, other agreement or instrument to which the Company is a
          party or by which it is bound or to which it is subject, or any statute
          or
          order, rule, regulations, writ, injunction or decree of any court, governmental
          authority or regulatory body to which the Company is subject or by which
          it is
          bound.

         

        7.  To
          the
          best of my knowledge, there is no action, suit, proceeding or investigation
          pending or threatened against the Company which, in my judgment, either
          in any
          one instance or in the aggregate, may result in any material adverse change
          in
          the business, operations, financial condition, properties or assets of
          the
          Company or in any material impairment of the right or ability of the Company
          to
          carry on its business substantially as now conducted or in any material
          liability on the part of the Company or which would draw into question
          the
          validity of the Agreements, or the mortgage loans or of any action taken
          or to
          be taken in connection with the transactions contemplated hereby, or which
          would
          be likely to impair materially the ability of the Company to perform under
          the
          terms of the Agreements.

         

        8.  Each
          person listed on Exhibit
          5
          attached
          hereto who, as an officer or representative of the Company, signed the
          Agreements and any other document delivered or on the date hereof in connection
          with any purchase described in the agreements set forth above was, at the
          respective times of such signing and delivery, and is now, a duly elected
          or
          appointed, qualified and acting officer or representative of the Company,
          who
          holds the office set forth opposite his or her name on Exhibit
          5,
          and the
          signatures of such persons appearing on such documents are their genuine
          signatures.

         

        9.  The
          Company is duly authorized to engage in the transactions described and
          contemplated in the Agreements.

        
          
            
            

          

          
            
            

            
              

            

          

          
            
            

          

        

         

        IN
          WITNESS WHEREOF, I have hereunto signed my name and affixed the seal of
          the
          Company.

         

        

        
          	
                  Dated:

                	 	 	
                  By:

                	 
	 	 	 	
                  Name:

                	 
	
                  [Seal]

                	 	 	
                  Title:

                	
                  [Vice]
                    President

                

        

         

         

        I,
          ________________________, an [Assistant] Secretary of ______________ [COMPANY],
          hereby certify that ____________ is the duly elected, qualified and acting
          [Vice] President of the Company and that the signature appearing above
          is [her]
          [his] genuine signature.

         

        IN
          WITNESS WHEREOF, I have hereunto signed my name.

         

        

        
          	
                  Dated:

                	 	 	
                  By:

                	 
	 	 	 	
                  Name:

                	 
	 	 	 	
                  Title:

                	
                  [Assistant]
                    Secretary

                

        

        
          
            
            

          

          
            
            

            
              

            

          

          
            
            

          

        

         

        EXHIBIT
          5
          to

        Company’s
          Officer’s Certificate

         

        
          	
                  NAME

                	 	
                  TITLE

                	 	
                  SIGNATURE

                
	 	 	 	 	 
	 	 	 	 	 
	 	 	 	 	 
	 	 	 	 	 
	 	 	 	 	 
	 	 	 	 	 
	 	 	 	 	 

        

        

        

         

        EXHIBIT
          D

         

        FORM
          OF OPINION OF COUNSEL TO THE SELLER

         

        (date)

         

        Goldman
          Sachs Mortgage Company

        85
          Broad
          Street 

        New
          York,
          New York 10004

        Ladies
          and Gentlemen:

        

        I
          have
          acted as counsel to GreenPoint Mortgage Funding, Inc., a New York corporation
          (the “Company”), in connection with certain matters described in the Agreements.
          In connection with rendering this opinion letter, I, or attorneys working
          under
          my direction have examined, among other things, originals, certified copies
          or
          copies otherwise identified as being true copies of the following:

        

        	 A. 	
                Signed
                  copies of the Agreements;

                 

              

        	B.
                 	
                The
                  Company’s Certificate of Incorporation

                 

              

        	C.  	
                The Company’s By-Laws; and 

                 

              

        	
                D.
                   
 	
                Resolutions
                  adopted by the Board of Directors of the
                  Company.

              

         

        For
          the
          purpose of rendering this opinion, I have made such documentary, factual
          and
          legal examinations as I deemed necessary under the circumstances. As to
          factual
          matters, I have relied upon statements, certificates and other assurances
          of
          public officials and of officers and other representatives of the Company,
          and
          upon such other certificates as I deemed appropriate, which factual matters
          have
          not been independently established or verified by me. I have also assumed,
          among
          other things, the genuineness of all signatures, the legal capacity of
          all
          natural persons, the authenticity of all documents submitted to me as originals,
          and the conformity to original documents of all documents submitted to
          me as
          copies and the authenticity of the originals of such copied
          documents.

        

        On
          the
          basis of and subject to the foregoing examination, and in reliance thereon,
          and
          subject to the assumptions, qualifications, exceptions and limitations
          expressed
          herein, I am of the opinion that:

        

        1.  The
          Company has been duly incorporated and is validly existing and in good
          standing
          under the laws of the State of New York with corporate power and authority
          to
          own its properties and conduct its business as presently conducted by it.
          The
          Company has the corporate power and authority to execute, deliver, and
          perform
          its obligations under the Agreements.

        

        2. The
          Agreements have been duly and validly authorized, executed and delivered
          by the
          Company.

        

        3. The
          Agreements constitute valid, legal and binding obligations of the Company,
          enforceable against the Company in accordance with their respective
          terms.

        

        4. No
          consent, approval, authorization or order of any United States federal
          or
          California government authority on the part of the Company is required
          for the
          execution, delivery and performance by the Company of the Agreements, except
          for
          those consents, approvals, authorizations or orders which previously have
          been
          obtained.

        

        5. The
          execution, delivery and performance of the Agreements will not, as of the
          Closing Date, result in a violation of the Certificate of Incorporation
          or
          By-Laws of the Company, or result in a violation of, or constitute a default
          under, (i) the terms of any indenture or other agreement or instrument
          known to
          me to which the Company is a party or by which it is bound, (ii) any California
          or United States federal statute or regulation applicable to the Company,
          or
          (iii) any order of any State of California or United States federal court,
          regulatory body, administrative agency or governmental body having jurisdiction
          over the Company, except in any such case where the violation or default
          would
          not have a material adverse effect on the Company or its ability to perform
          its
          obligations under the Agreements.

        

        6. There
          is
          no action, suit, proceeding or investigation pending or, to the best of
          my
          knowledge, threatened against the Company which, in my judgment, would
          draw into
          question the validity of the Agreements or which would be likely to impair
          materially the ability of the Company to perform under the terms of the
          Agreements.

        

        The
          opinions above are subject to the following additional assumptions, exceptions,
          qualifications and limitations:

        

        A. I
          have
          assumed that all parties to the Agreements other than the Company have
          all
          requisite power and authority to execute, deliver and perform their respective
          obligations under the Agreements, and that the Agreements have been duly
          authorized by all necessary corporate action on the part of such parties,
          have
          been executed and delivered by such parties and constitute the legal, valid
          and
          binding obligations of such parties.

        

        B. My
          opinion expressed in paragraph 3 above is subject to the qualifications
          that (i)
          the enforceability of the Agreements may be limited by the effect of laws
          relating to (1) bankruptcy, reorganization, insolvency, moratorium or other
          similar laws now or hereafter in effect relating to creditors’ rights generally,
          including, without limitation, the effect of statutory or other laws regarding
          fraudulent conveyances or preferential transfers, and (2) general principles
          of
          equity upon the specific enforceability of any of the remedies, covenants
          or
          other provisions of the Agreements and upon the availability of injunctive
          relief or other equitable remedies and the application of principles of
          equity
          (regardless of whether such enforceability is considered in a proceeding
          in
          equity or at law) as such principles relate to, limit or affect the enforcement
          of creditors’ rights generally and the discretion of the court before which any
          proceeding for such enforcement may be brought; and (ii) I express no opinion
          herein with respect to the validity, legality, binding effect or enforceability
          of provisions for indemnification in the Agreements to the extent such
          provisions may be held to be unenforceable as contrary to public
          policy.

         

        C. My
          opinion expressed in paragraph 5 above relating to violations of United
          States
          federal and California statutes, regulations or orders applicable to the
          Company
          is limited to such statutes, regulations or orders that in my experience
          are
          typically applicable to a transaction of the nature contemplated by the
          Agreements.

        

        D. I
          have
          assumed, without independent check or certification, that there are no
          agreements or understandings among the Company and any other party, which
          would
          expand, modify or otherwise affect the terms of the Agreements or the respective
          rights or obligations of the parties thereunder.

        

        I
          am
          admitted to practice in the State of California, and I render no opinion
          herein
          as to matters involving or governed by the laws of any jurisdiction other
          than
          the State of California and the federal laws of the United States of America.
          I
          also express no opinion as to whether the laws of any particular jurisdiction
          apply, and no opinion to the extent that the laws of any jurisdiction other
          than
          those identified above are applicable to the Agreements.

        

        

        
          	
                  Very
                    truly yours,

                	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 
	
                  Irene
                    D. Gilbert

                  General
                    Counsel

                  GreenPoint
                    Mortgage Funding, Inc.

                	 	 

        

        

        

        

        

        

        

        
          
            
            

          

          
            
            

            
              

            

          

          
            
            

          

        

        

         

        EXHIBIT
          E

         

        FORM
          OF SECURITY RELEASE CERTIFICATION

        
 

         

        ___________________,
          200__

         

        

        
          	
                  [Federal
                    Home Loan Bank of

                	 	 	 
	
                  ___________ 
                    (the “Association”)]

                	 	 	 
	 	 	 	 
	 	 	 	 
	 	 	 	 

        

         

        

        
          	
                  Attention:

                	 	 
	
                  Re:

                	
                  Notice
                    of Sale and Release of Collateral

                	 

        

         

        

         

        Dear
          Sirs:

         

        This
          letter serves as notice that GreenPoint Mortgage Funding, Inc. a corporation,
          organized pursuant to the laws of New York (the “Company”)
          has
          committed to sell to Goldman Sachs Mortgage Company under a Flow Mortgage
          Loan
          Purchase and Warranties Agreement, dated as of October 1, 2006, certain
          mortgage
          loans originated by the Association. The Company warrants that the mortgage
          loans to be sold to Goldman Sachs Mortgage Company are in addition to and
          beyond
          any collateral required to secure advances made by the Association to the
          Company.

         

        The
          Company acknowledges that the mortgage loans to be sold to Goldman Sachs
          Mortgage Company shall not be used as additional or substitute collateral
          for
          advances made by the Association. Goldman Sachs Mortgage Company understands
          that the balance of the Company’s mortgage loan portfolio may be used as
          collateral or additional collateral for advances made by the Association,
          and
          confirms that it has no interest therein.

         

        Execution
          of this letter by the Association shall constitute a full and complete
          release
          of any security interest, claim, or lien which the Association may have
          against
          the mortgage loans to be sold to Goldman Sachs Mortgage Company.

         

        

        
          	 	 	 	 	 	 	 	
                  Very
                    truly yours,

                
	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
                  By:

                	 
	 	 	 	 	 	 	 	
                  Name:

                	 
	 	 	 	 	 	 	 	
                  Title:

                	 

        

         

        

        
          	
                  Acknowledged
                    and approved:

                	 
	 	 
	 	 
	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	
                  By:

                	 	 	 
	
                  Name:

                	 	 	 
	
                  Title:

                	 	 	 
	
                  Date:

                	 	 	 

        

         

        

         

        EXHIBIT
          F

         

        FORM
          OF SECURITY RELEASE CERTIFICATION

         

        I.  Release
          of Security Interest

         

        The
          financial institution named below hereby relinquishes any and all right,
          title
          and interest it may have in all Mortgage Loans to be purchased by Goldman
          Sachs
          Mortgage Company from GreenPoint Mortgage Funding, Inc. (the “Company”)
          pursuant to that certain Flow Mortgage Loan Purchase and Warranties Agreement,
          dated as of October 1, 2006, and certifies that all notes, mortgages,
          assignments and other documents in its possession relating to such Mortgage
          Loans have been delivered and released to Goldman Sachs Mortgage Company
          or its
          designees, as of the date and time of the sale of such Mortgage Loans to
          Goldman
          Sachs Mortgage Company.

         

        

        
          	 	 	 	 	 	 	 	
                  Name
                    and Address of Financial Institution

                
	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
                  [FINANCIAL
                    INSTITUTION] 

                  [ADDRESS]

                
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
                  By:

                	 
	 	 	 	 	 	 	 	
                  Name:

                	 
	 	 	 	 	 	 	 	
                  Title:

                	 

        

         

        

         

        

        
          
            
            

          

          
            
            

            
              

            

          

          
            
            

          

        

         

        II.  Certification
          of Release

         

        The
          Company named below hereby certifies to Goldman Sachs Mortgage Company
          that, as
          of the date and time of the sale of the above-mentioned Mortgage Loans,
          the
          security interests in the Mortgage Loans released by the above-named financial
          institution comprise all security interests relating to or affecting any
          and all
          such Mortgage Loans. The Company warrants that, as of such time, there
          are and
          will be no other security interests affecting any or all of such Mortgage
          Loans.

         

        

        
          	 	 	 	 	 	 	 	
                  GREENPOINT
                    MORTGAGE FUNDING, INC.

                
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
                  By:

                	 
	 	 	 	 	 	 	 	
                  Name:

                	 
	 	 	 	 	 	 	 	
                  Title:

                	 

        

         

        

         

        EXHIBIT
          G

         

        FORM
          OF ASSIGNMENT AND ASSUMPTION AGREEMENT

         

        ASSIGNMENT
          AND ASSUMPTION AGREEMENT, dated ______________, between
          __________________________________, a ___________________ corporation
          (“Assignor”)
          and
          ________________________________, a __________________ corporation
          (“Assignee”):

         

          For
          good
          and valuable consideration the receipt and sufficiency of which hereby
          are
          acknowledged, and of the mutual covenants herein contained, the parties
          hereto
          hereby agree as follows:

         

        1.  The
          Assignor hereby grants, transfers, conveys and assigns to Assignee, as
          Purchaser, all of the right, title and interest of Assignor with respect
          to the
          mortgage loans listed on Exhibit
          A
          attached
          hereto (the “Mortgage Loans”), and with respect to such Mortgage Loans, in, to
          and under (a) that certain Flow Mortgage Loan Purchase and Warranties
          Agreement dated as of October 1, 2006 and (b) that certain Flow Interim
          Servicing Agreement dated as of October 1, 2006, between the Purchaser
          and
          GreenPoint Mortgage Funding, Inc. (the “Servicing
          Agreement”
and,
          together with the Purchase Agreement, the “Agreements”).

         

        2.  The
          Assignor warrants and represents to, and covenants with, the Assignee
          that:

         

        a.  The
          Assignor is the lawful owner of the Mortgage Loans with the full right
          to
          transfer the Mortgage Loans free from any and all claims and encumbrances
          whatsoever;

         

        b.  The
          Assignor has not received notice of, and has no knowledge of, any offsets,
          counterclaims or other defenses available to the Seller with respect to
          the
          Agreements or the Mortgage Loans;

         

        c.  The
          Assignor has not waived or agreed to any waiver under, or agreed to any
          amendment or other modification of, the Agreements. The Assignor has no
          knowledge of, and has not received notice of, any waivers under or amendments
          or
          other modifications of, or assignments of rights or obligations under,
          the
          Agreements; and

         

        d.  Neither
          the Assignor nor anyone acting on its behalf has offered, transferred,
          pledged,
          sold or otherwise disposed of the Mortgage Loans or any interest in the
          Mortgage
          Loans, or solicited any offer to buy or accept a transfer, pledge or other
          disposition of the Mortgage Loans, or any interest in the Mortgage Loans
          or
          otherwise approached or negotiated with respect to the Mortgage Loans,
          or any
          interest in the Mortgage with any person in any manner, or made any general
          solicitation by means of general advertising or in any other manner, or
          taken
          any other action which would constitute a distribution of the Mortgage
          Loans
          under the Securities Act of 1933, as amended (the “1933
          Act”)
          or
          which would render the disposition of the Mortgage Loans a violation of
          Section
          5 of the 1933 Act or require registration pursuant thereto.

         

        3.  The
          Assignee warrants and represents to, and covenants with, the Assignor and
          the
          Seller pursuant to the Agreements that:

         

        a.  The
          Assignee is a corporation duly organized, validly existing and in good
          standing
          under the laws of the jurisdiction of its incorporation, and has all requisite
          corporate power and authority to acquire, own and purchase the Mortgage
          Loans;

         

        b.  The
          Assignee has full corporate power and authority to execute, deliver and
          perform
          under this Assignment and Assumption Agreement, and to consummate the
          transactions set forth herein. The execution, delivery and performance
          of the
          Assignee of this Assignment and Assumption Agreement, and the consummation
          by it
          of the transactions contemplated hereby, have been duly authorized by all
          necessary corporate action of the Assignee. This Assignment and Assumption
          Agreement has been duly executed and delivered by the Assignee and constitutes
          the valid and legally binding obligation of the Assignee enforceable against
          the
          Assignee in accordance with its respective terms;

         

        c.  To
          the
          best of Assignee’s knowledge, no material consent, approval, order or
          authorization of, or declaration, filing or registration with, any governmental
          entity is required to be obtained or made by the Assignee in connection
          with the
          execution, delivery or performance by the Assignee of this Assignment and
          Assumption Agreement, or the consummation by it of the transactions contemplated
          hereby;

         

        d.  The
          Assignee agrees to be bound, as Purchaser, by all of the terms, covenants
          and
          conditions of the Agreements, the Mortgage Loans, and from and after the
          date
          hereof, the Assignee assumes for the benefit of each of the Seller, the
          Assignor
          and the Custodian all of the Assignor’s obligations as Purchaser thereunder;
          including, without limitation, the limitation on assignment set forth in
          Section
          22
          of the
          Purchase Agreement;

         

        e.  The
          Assignee understands that the Mortgage Loans have not been registered under
          the
          1933 Act or the securities laws of any state;

         

        f.  The
          purchase price being paid by the Assignee for the Mortgage Loans is in
          excess of
          $250,000 and will be paid by cash remittance of the full purchase price
          within
          sixty (60) days of the sale;

         

        g.  The
          Assignee is acquiring the Mortgage Loans for investment for its own account
          only
          and not for any other person;

         

        h.  The
          Assignee considers itself a substantial, sophisticated institutional investor
          having such knowledge and experience in financial and business matters
          that it
          is capable of evaluating the merits and risks of investment in the Mortgage
          Loans;

         

        i.  The
          Assignee has been furnished with all informa-tion regarding the Mortgage
          Loans
          that it has requested from the Assignor or the Seller;

         

        j.  Neither
          the Assignee nor anyone acting on its behalf has offered, transferred,
          pledged,
          sold or otherwise disposed of the Mortgage Loans or any interest in the
          Mortgage
          Loans, or solicited any offer to buy or accept a transfer, pledge or other
          disposition of the Mortgage Loans or any interest in the Mortgage Loans,
          or
          otherwise approached or negotiated with respect to the Mortgage Loans or
          any
          interest in the Mortgage Loans with any person in any manner which would
          constitute a distribution of the Mortgage Loans under the 1933 Act or which
          would render the disposition of the Mortgage Loans a violation of Section
          5 of
          the 1933 Act or require registration pursuant thereto, nor will it act,
          nor has
          it authorized or will it authorize any person to act, in such manner with
          respect to the Mortgage Loans; and

         

        k.  Either:
          (1) the Assignee is not an employee benefit plan (“Plan”)
          within
          the meaning of section 3(3) of the Employee Retirement Income Security
          Act of
          1974, as amended (“ERISA”)
          or a
          plan (also “Plan”)
          within
          the meaning of section 4975(e)(1) of the Internal Revenue Code of 1986,
          as
          amended (“Code”),
          and
          the Assignee is not directly or indirectly purchasing the Mortgage Loans
          on
          behalf of, investment manager of, as named fiduciary of, as Trustee of,
          or with
          assets of, a Plan; or (2) the Assignee’s purchase of the Mortgage Loans
          will not result in a prohibited transaction under section 406 of ERISA
          or
          section 4975 of the Code.

         

        4.  (a)  The
          Assignee’s address for purposes of all notices and correspondence related to the
          Mortgage Loans, this Assignment and Assumption Agreement and the Agreements
          is:

         

        The
          Assignee’s wire instructions for purposes of all remittances and payments
          related to the Mortgage Loans are:

        

         

        (b) The
          Assignor’s address for purposes for all notices and correspondence related to
          the Mortgage Loans and this Assignment and Assumption Agreement is:

        

         

        5.  This
          Assignment and Assumption Agreement shall be construed in accordance with
          the
          laws of the State of New York and the obligations, rights and remedies
          of the
          parties hereunder shall be determined in accordance with such laws, except
          to
          the extent preempted by federal law.

         

        6.  This
          Assignment and Assumption Agreement shall inure to the benefit of the successors
          and assigns of the parties hereto. This Assignment and Assumption Agreement
          may
          not be assigned by the Assignee without the express written consent of
          the
          Assignor. Any entity into which the Assignor or Assignee may be merged
          or
          consolidated shall, without the requirement for any further writing, be
          deemed
          the Assignor or Assignee, respectively, hereunder.

         

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

         

        8.  This
          Assignment and Assumption Agreement shall survive the conveyance of the
          Mortgage
          Loans and the assignment of the Agreements by the Assignor.

         

        9.  Notwithstanding
          the assignment of the Agreements by either the Assignor or Assignee, this
          Assignment and Assumption Agreement shall not be deemed assigned by the
          Assignor
          or the Assignee unless assigned by separate written instrument.

         

        10.  For
          the
          purpose for facilitating the execution of this Assignment and Assumption
          Agreement as herein provided and for other purposes, this Assignment and
          Assumption Agreement may be executed simultaneously in any number of
          counterparts, each of which counterparts shall be deemed to be an original,
          and
          such counterparts shall constitute and be one and the same
          instrument.

        
          
            
            

          

          
            
            

            
              

            

          

          
            
            

          

        

         

        IN
          WITNESS WHEREOF, the parties have caused this Assignment and Assumption
          Agreement to be executed by their duly authorized officers as of the date
          first
          above written.

         

        

        
          	 	 	 
	
                  Assignor

                	 	
                  Assignee

                
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	
                  By:

                	 	 	
                  By:

                	 
	
                  Name:

                	 	 	
                  Name:

                	 
	
                  Title:

                	 	 	
                  Title:

                	 
	 	 	 	 	 
	 	 	 	 	 
	
                  Taxpayer
                    

                  Identification
                    No.____________________________

                	 	
                  Taxpayer
                    

                  Identification
                    No._____________________________

                

        

         

        

         

        
 

        
          
            
            

          

          
            
            

            
              

            

          

          
            
            

          

        

         

        EXHIBIT
          H

         

        [RESERVED]

        

         

        
          
            
            

          

          
            
            

            
              

            

          

          
            
            

          

        

        EXHIBIT
          I

         

        FORM
          OF PURCHASE CONFIRMATION

         

        [GREENPOINT
          LETTERHEAD]

         

        [DATE]

         

        Goldman
          Sachs Mortgage Company

        85
          Broad
          Street

        New
          York,
          New York 10004

        Attn:
          

         

        	Re:  	
                Purchase
                  Confirmation ($x.xmm) (Deal No.
                  xxxx-xxx)

              

         

        Ladies
          and Gentlemen:

         

        This
          purchase confirmation (the “Purchase
          Confirmation”)
          between GreenPoint Mortgage Funding, Inc.,

         

        (“GreenPoint”)
          and
          Goldman Sachs Mortgage Company (“Purchaser”) sets forth our agreement pursuant
          to which Purchaser is purchasing, and GreenPoint is selling, on a
          servicing-retained basis, those certain mortgage loans identified in
Exhibit
          A
          hereto
          and more particularly described herein (the “Mortgage
          Loans”).

         

        The
          purchase, sale and servicing of the Mortgage Loans as contemplated herein
          shall
          be governed by that certain Flow Mortgage Loan Purchase and Warranties
          Agreement
          dated as of October 1, 2006, between GreenPoint and Purchaser (as amended
          herein
          and otherwise, the “Agreement”).
          By
          executing this Purchase Confirmation, each of GreenPoint and Purchaser
          again
          makes, with respect to itself and each Mortgage Loan, as applicable, all
          of the
          covenants, representations and warranties made by each such party in the
          Agreement, except as the same may be amended by this Purchase Confirmation.
          

         

          All
          exhibits hereto are incorporated herein in their entirety. In the event
          there
          exists any inconsistency between the Agreement and this Purchase Confirmation,
          the latter shall be controlling notwithstanding anything contained in the
          Agreement to the contrary. All capitalized terms used herein and not otherwise
          defined herein shall have the meanings assigned to such terms in the
          Agreement.

         

        1.  Assignment
          and Conveyance of Mortgage Loans.
          Upon
          Purchaser’s payment of the Purchase Price in accordance with Section 4 of the
          Agreement, GreenPoint shall sell, transfer, assign and convey to Purchaser,
          without recourse, but subject to the terms of the Purchase Confirmation
          and the
          Agreement, all of the right, title and interest of GreenPoint in and to
          the
          Mortgage Loans, excluding the servicing rights relating thereto. Each Mortgage
          Loan shall be serviced by GreenPoint pursuant to the terms of the
          Agreement.

         

        2.  Defined
          Terms.
          As used
          in the Agreement, the following defined terms shall have meanings set forth
          below with respect to the related Mortgage Loan Package.

         

        1.  Closing
          Date:
          [DATE].

         

        2.  Cut-off
          Date:
          [DATE].

         

        3.  Cut-off
          Date Balance:
          

         

        4.  [Index:
          On each
          Interest Adjustment Date, the applicable index rate shall be a rate per
          annum
          equal to [the weekly average yield on U.S. Treasury securities adjusted
          to a
          constant maturity of one year, as published by the Board of Governors of
          the
          Federal Reserve System in Statistical Release No. H.15] [the average of
          interbank offered rates for six-month U.S. dollar denominated deposits
          in the
          London market (LIBOR), as published [in the Wall Street Journal] [by Fannie
          Mae]
          [the 11th District Cost of Funds as made available by the Federal Home
          Loan
          Bank] [the weekly average yield on certificates of deposit adjusted to
          a
          constant maturity of six months as published by the Board of Governors
          of the
          Federal Reserve System in Statistical Release No. H.15 or a similar
          publication.]]

         

        5.  Purchase
          Price:
          With
          respect to [the Mortgage Loans] [each Mortgage Loan], and as set forth
          in
Exhibit
          [A]
          and
Exhibit
          [B]
          hereto,
          the sum of (a) the product of (i) the Cut-off Date Balance of [such Mortgage
          Loan] [such Mortgage Loans], and (ii) the purchase price percentage set
          forth in
Exhibit
          [A]
          hereto
          for such [Mortgage Loan] [Mortgage Loans], and (b) accrued interest from
          the
          Cut-off Date through the day prior to the Closing Date, inclusive.

         

        6.  Servicing
          Fee Rate:
          [0.25%]
          [0.375%] [With respect to the period prior to the initial Interest Adjustment
          Date, [0.25]% and, thereafter, [0.375]%].

         

        3.  Description
          of Mortgage Loans.
          Each
          Mortgage Loan complies with the specifications set forth below in all material
          respects.

         

        1.  Loan
          Type:
          Each
          Mortgage Loan is a [Adjustable Rate] [Balloon] [Fixed Rate] Mortgage
          Loan.

         

        2.  Lien
          Position:
          Each
          Mortgage Loan is secured by a perfected first lien Mortgage.

         

        3.  Underwriting
          Criteria:
          Each
          Mortgage Loan [was underwritten generally in accordance with GreenPoint’s credit
          underwriting guidelines in effect at the time such Mortgage Loan was originated]
          [conforms to the Fannie Mae or Freddie Mac mortgage eligibility criteria
          (as
          such criteria applies to GreenPoint) and is eligible for sale to, and
          securitization by, Fannie Mae or Freddie Mac] [at the time of origination
          was
          underwritten to guidelines which are consistent with an institutional
          investor-quality mortgage loan].

        

         

        Kindly
          acknowledge your agreement to the terms of this Purchase Confirmation by
          signing
          in the appropriate space below and returning this Purchase Confirmation
          to the
          undersigned. Telecopy signatures shall be deemed valid and binding to the
          same
          extent as the original.

         

        

        
          	
                  Sincerely,

                   

                   

                  GREENPOINT
                    MORTGAGE FUNDING, INC.,

                	 	
                  Agreed
                    to and Accepted by:

                   

                   

                  GOLDMAN
                    SACHS MORTGAGE COMPANY

                
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	
                  By:

                	 	 	
                  By:

                	 
	
                  Name:

                	 	 	
                  Name:

                	 
	
                  Title:

                	 	 	
                  Title:

                	 

        

         

        

         

        

         

        

        
          
            
            

          

          
            
            

            
              

            

          

          
            
            

          

        

         

        EXHIBIT
          A

         

        to

         

        PURCHASE
          CONFIRMATION

         

        MORTGAGE
          LOAN SCHEDULE

         

        (attached)

         

        

        

        
          
            
            

          

          
            
            

            
              

            

          

          
            
            

          

        

         

        EXHIBIT
          B

         

        to

         

        PURCHASE
          CONFIRMATION

         

        CALCULATION
          OF PURCHASE PROCEEDS

         

        (attached)

        

        

        
          
            
            

          

          
            
            

            
              

            

          

          
            
            

          

        

        EXHIBIT
          J

         

        FORM
          OF INDEMNIFICATION AGREEMENT

         

        THIS
          INDEMNIFICATION AND CONTRIBUTION AGREEMENT dated [_______], 200___
          (“Agreement”)
          between GS Mortgage Securities Corp., a Delaware corporation (the “Depositor”),
          and
          GreenPoint Mortgage Funding, Inc., a New York corporation (the “Indemnifying
          Party”).

         

        W I T N E&
          #160;S S E T H:

         

        WHEREAS,
          the Indemnifying Party or its Affiliate originated or acquired the Mortgage
          Loans and subsequently sold the Mortgage Loans to an Affiliate of the Depositor
          in anticipation of the securitization transaction; and

         

        WHEREAS,
          as an inducement to the Depositor to enter into the Assignment and Recognition
          Agreement, to the Underwriter[s] to enter into the Underwriting Agreement
          (as
          defined herein), and to the Initial Purchaser[s] to enter into the Certificate
          Purchase Agreement (as defined herein), the Indemnifying Party wishes to
          provide
          for indemnification and contribution on the terms and conditions hereinafter
          set
          forth; 

         

        NOW,
          THEREFORE, in consideration of the foregoing and of other good and valuable
          consideration, the receipt and sufficiency of which are hereby acknowledged,
          the
          parties hereto agree as follows:

         

        SECTION 1.  DEFINITIONS

         

        Subsection 1.01  Certain
          Defined Terms.
          The
          following terms shall have the meanings set forth below, unless the context
          clearly indicates otherwise:

         

        1933
          Act:
          The
          Securities Act of 1933, as amended.

         

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

         

        ABS
          Informational and Computational Material:
          Any
          written communication as defined in Item 1101(a) of Regulation AB under
          the 1933
          Act and the 1934 Act, as amended from time to time.

         

        Agreement:
          This
          Indemnification and Contribution Agreement, as the same may be amended
          in
          accordance with the terms hereof.

         

        Certificate
          Purchase Agreement:
          The
          Purchase Agreement, dated as of [______], 200___, [among] the Depositor
          and the
          Initial Purchaser[s], relating to the Privately Offered
          Certificates.

         

        Free
          Writing Prospectus:
          Any
          written communication that constitutes a “free writing prospectus,” as defined
          in Rule 405 under the 1933 Act.

         

        GSMC:
          Goldman
          Sachs Mortgage Company, a New York limited partnership, and its successors
          and
          assigns.

         

        Indemnified
          Parties:
          As
          defined in Section 3.01.

         

        Indemnifying
          Party Information:
          (A) All information in the Prospectus Supplement, the Offering Circular,
          ABS Informational and Computational Material or any Free Writing Prospectus
          or
          any amendment or supplement thereto, (i) contained under the headings
          [“Transaction Overview—Parties—The Responsible Party”] and [“The Mortgage Loan
          Pool—Underwriting Guidelines”] and (ii) regarding the Mortgage Loans, the
          related Mortgagors and/or the related Mortgaged Properties (but in the
          case of
          this clause (ii), only to the extent any untrue statement or omission or
          alleged
          untrue statement or omission arises from or is based upon errors or omissions
          in
          the information concerning the Mortgage Loans, the related Mortgagors and/or
          the
          related Mortgaged Properties, as applicable, provided to the Depositor
          or any
          Affiliate thereof by or on behalf of the Indemnifying Party or any Affiliate
          thereof), and (B) [and static pool information regarding mortgage loans
          originated or acquired by the Seller [and included in the Prospectus Supplement,
          the Offering Circular, ABS Informational and Computational Material or
          the Free
          Writing Prospectus] [incorporated by reference from the website located
          at
          ______________].

         

        Offering
          Circular:
          The
          offering circular, dated [_______], 200___, relating to the private offering
          of
          the Privately Offered Certificates.

         

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

         

        Pooling
          and Servicing Agreement:
          The
          Pooling and Servicing Agreement, dated as of [_______], 200___, among the
          Depositor, the Indemnifying Party, [Servicer], as servicer, and [Trustee],
          as
          trustee.

         

        Privately
          Offered Certificates:
          [__________________], issued pursuant to the Pooling and Servicing
          Agreement.

         

        Prospectus
          Supplement:
          The
          prospectus supplement, dated [______], 200___, relating to the public
          offering of the Publicly Offered Certificates.

         

        Publicly
          Offered Certificates:
          [______________________________], issued pursuant to the Pooling and Servicing
          Agreement.

         

        Regulation
          AB: Subpart 229.1100 - Asset Backed Securities (Regulation AB), 17 C.F.R.
          §§229.1100-229.1123, as such may be amended from time to time, and subject
          to
          such clarification and interpretation as have been provided by the Commission
          in
          the adopting release (Asset-Backed Securities, Securities Act Release No.
          33-8518, 70 Fed. Reg. 1,506, 1,531 (Jan. 7, 2005)) or by the staff of the
          Commission, or as may be provided by the Commission or its staff from time
          to
          time.

         

        Underwriters:
          Goldman, Sachs & Co., a New York limited partnership[, and [____________], a
          [___________] corporation], and their successors and assigns.

         

        Underwriting
          Agreement:
          The
          Underwriting Agreement, dated as of [________], 200__, [among] the Depositor
          and
          the Underwriter[s], relating to the Publicly Offered Certificates.

         

        Other
          Terms.
          Capitalized terms used but not defined herein shall have the meanings assigned
          to such terms in the Pooling and Servicing Agreement.

         

          SECTION 2.  REPRESENTATIONS
          AND WARRANTIES.
          

         

        (a)  Each
          party hereto represents and warrants that it has all requisite corporate
          power
          and authority to execute, deliver and perform its obligations under this
          Agreement;

         

        (b)  Each
          party hereto represents and warrants that this Agreement has been duly
          authorized, executed and delivered by such party; 

         

        (c)  Each
          party hereto represents and warrants that assuming the due authorization,
          execution and delivery by each other party hereto, this Agreement constitutes
          the legal, valid and binding obligation of such party; and

         

        (d)  The
          Indemnifying Party hereto represents that the Indemnifying Party Information
          satisfies the requirements of the applicable provisions of Regulation
          AB.

         

        SECTION 3.  INDEMNIFICATION

         

          Subsection 3.01  Indemnification
          by the Indemnifying Party of the Depositor and the Underwriters.
          

         

        (a)  The
          Indemnifying Party shall indemnify and hold harmless the Depositor, GSMC,
          [each
          of] the Underwriter[s], the Initial Purchaser[s], and their respective
          Affiliates and their respective present and former directors, officers,
          partners
          and each Person, if any, that controls the Depositor, GSMC, such Underwriter,
          such Initial Purchaser, or such Affiliate, within the meaning of either
          the 1933
          Act or the 1934 Act (collectively, the “Indemnified
          Parties”)
          against any and all losses, claims, damages, penalties, fines, forfeitures,
          or
          liabilities, joint or several, to which each such Indemnified Party may
          become
          subject, under the 1933 Act, the 1934 Act or otherwise, to the extent that
          such
          losses, claims, damages, penalties, fines, forfeitures, or liabilities
          (or
          actions in respect thereof) arise out of or are based upon (i) any breach
          of the
          representation and warranty set forth in Section 2(d) above or (ii) any
          untrue
          statement or alleged untrue statement of any material fact contained in
          the
          Prospectus Supplement, the Offering Circular, the ABS Informational and
          Computational Material, any Free Writing Prospectus or any amendment or
          supplement thereto, or arise out of or are based upon the omission or alleged
          omission to state therein a material fact required to be stated therein
          or
          necessary to make the statements therein, in light of the circumstances
          in which
          they were made, not misleading, to the extent that such untrue statement
          or
          alleged untrue statement or omission or alleged omission relates to information
          set forth in the Indemnifying Party Information, and the Indemnifying Party
          shall in each case reimburse each Indemnified Party for any legal or other
          expenses reasonably incurred by such Indemnified Party in connection with
          investigating or defending any such loss, claim, damage, liability, penalties,
          fines, forfeitures, or action. The Indemnifying Party’s liability under this
Section 3.01
          shall be
          in addition to any other liability that the Indemnifying Party may otherwise
          have.

         

        (b)  If
          the
          indemnification provided for in this Section
          3.01
          shall
          for any reason be unavailable to an Indemnified Party under this Section
          3.01,
          then
          the party which would otherwise be obligated to indemnify with respect
          thereto,
          on the one hand, and the parties which would otherwise be entitled to be
          indemnified, on the other hand, shall contribute to the aggregate losses,
          liabilities, claims, damages and expenses of the nature contemplated herein
          and
          incurred by the parties hereto in such proportions that are appropriate
          to
          reflect the relative fault of the Depositor, GSMC, the Underwriter[s],
          and the
          Initial Purchaser[s], on one hand, and the Indemnifying Party, on the other
          hand, in connection with the applicable misstatements or omissions as well
          as
          any other relevant equitable considerations. Notwithstanding the foregoing,
          no
          Person guilty of fraudulent misrepresentation (within the meaning of Section
          11(f) of the 1933 Act) shall be entitled to contribution from any Person
          that
          was not guilty of such fraudulent misrepresentation. For purposes of this
          Section
          3.01,
          each
          director, officer, partner and controlling Person, of the Depositor, GSMC,
          the
          Underwriter[s] and the Initial Purchaser[s] and their respective Affiliates
          shall have the same rights to contribution as such Person.

         

          Subsection 3.02  Notification;
          Procedural Matters.
          Promptly after receipt by an Indemnified Party under Section
          3.01
          of
          notice of any claim or the commencement of any action, such Indemnified
          Party
          shall, if a claim in respect thereof is to be made against the Indemnifying
          Party under Section
          3.01,
          notify
          the Indemnifying Party (or other contributing party) in writing of the
          claim or
          the commencement of such action; provided, however, that the failure to
          notify
          the Indemnifying Party (or other contributing party) shall not relieve
          it from
          any liability which it may have under Section
          3.01
          except
          to the extent it has been materially prejudiced by such failure; and provided
          further, however, that the failure to notify the Indemnifying Party shall
          not
          relieve it from any liability which it may have to any Indemnified Party
          otherwise than under Section
          3.01.
          In case
          any such action is brought against any Indemnified Party and it notifies
          the
          Indemnifying Party of the commencement thereof, the Indemnifying Party
          shall be
          entitled to participate therein and, to the extent that, by written notice
          delivered to the Indemnified Party promptly after receiving the aforesaid
          notice
          from such Indemnified Party, the Indemnifying Party elects to assume the
          defense
          thereof, it may participate with counsel reasonably satisfactory to such
          Indemnified Party; provided, however, that if the defendants in any such
          action
          include both the Indemnified Party and the Indemnifying Party and the
          Indemnified Party or parties shall reasonably have concluded that there
          may be
          legal defenses available to it or them and/or other Indemnified Parties
          that are
          different from or additional to those available to the Indemnifying Party,
          the
          Indemnified Party or parties shall have the right to select separate counsel
          to
          assert such legal defenses and to otherwise participate in the defense
          of such
          action on behalf of such Indemnified Party or parties. Upon receipt of
          notice
          from the Indemnifying Party to such Indemnified Party of its election so
          to
          assume the defense of such action and approval by the Indemnified Party
          of such
          counsel, the Indemnifying Party shall not be liable to such Indemnified
          Party
          under this paragraph for any legal or other expenses subsequently incurred
          by
          such Indemnified Party in connection with the defense thereof, unless
          (i) the Indemnified Party shall have employed separate counsel (plus any
          local counsel) in connection with the assertion of legal defenses in accordance
          with the proviso to the immediately preceding sentence, (ii) the
          Indemnifying Party shall not have employed counsel reasonably satisfactory
          to
          the Indemnified Party to represent the Indemnified Party within a reasonable
          time after notice of commencement of the action or (iii) the Indemnifying
          Party shall have authorized the employment of counsel for the Indemnified
          Party
          at the expense of the Indemnifying Party. No party shall be liable for
          contribution with respect to any action or claim settled without its consent,
          which consent shall not be unreasonably withheld. In no event shall the
          Indemnifying Party be liable for the fees and expenses of more than one
          counsel
representing
          the Indemnified Parties (in
          addition to any local counsel) separate from its own counsel for all Indemnified
          Parties in connection with any one action or separate but similar or related
          actions in the same jurisdiction arising out of the same general allegations
          or
          circumstances.

         

        SECTION 4.  GENERAL.

         

        Subsection 4.01 Survival.
          This
          Agreement and the obligations of the parties hereunder shall survive the
          purchase and sale of the Publicly Offered Certificates and the Privately
          Offered
          Certificates.

         

        Subsection 4.02 Successors.
          This
          Agreement shall inure to the benefit of and be binding upon the parties
          hereto,
          each Indemnified Party and their respective successors and assigns, and
          no other
          Person shall have any right or obligation hereunder.

         

        Subsection 4.03 Applicable
          Law.
          This
          Agreement shall be governed by and construed in accordance with the laws
          of the
          State of New York without giving effect to principles of conflict of
          laws.

         

        Subsection 4.04 Miscellaneous.
          Neither
          this Agreement nor any term hereof may be changed, waived, discharged or
          terminated except by a writing signed by the party against which enforcement
          of
          such change, waiver, discharge or termination is sought. This Agreement
          may be
          signed in any number of counterparts, each of which shall be deemed an
          original,
          which taken together shall constitute one and the same instrument.

         

        Subsection 4.05 Notices.
          All
          communications hereunder shall be in writing and shall be deemed to have
          been
          duly given when delivered to (a) in the case of the Depositor, GSMC, the
          Underwriter[s], or the Initial Purchaser[s], GS Mortgage Securities Corp.,
          Goldman Sachs Mortgage Company or Goldman, Sachs & Co. c/o Goldman, Sachs
& Co., 85 Broad Street, New York, New York 10004, Attention: Principal
          Finance Group/Christopher M. Gething, and (b) in the case of the
          Indemnifying Party: [______________], [Address], Attention:
          [____________].

         

        Subsection 4.06 Submission
          To Jurisdiction; Waivers.
          The
          Indemnifying Party hereby irrevocably and unconditionally:

         

        (A) SUBMITS
          FOR ITSELF AND ITS PROPERTY IN ANY LEGAL ACTION OR PROCEEDING RELATING
          TO THIS
          AGREEMENT, OR FOR RECOGNITION AND ENFORCEMENT OF ANY JUDGMENT IN RESPECT
          THEREOF, TO THE NON-EXCLUSIVE GENERAL JURISDICTION OF THE COURTS OF THE
          STATE OF
          NEW YORK, THE FEDERAL COURTS OF THE UNITED STATES OF AMERICA FOR THE SOUTHERN
          DISTRICT OF NEW YORK, AND APPELLATE COURTS FROM ANY THEREOF;

         

        (B) CONSENTS
          THAT ANY SUCH ACTION OR PROCEEDING MAY BE BROUGHT IN SUCH COURTS AND, TO
          THE
          EXTENT PERMITTED BY LAW, WAIVES ANY OBJECTION THAT IT MAY NOW OR HEREAFTER
          HAVE
          TO THE VENUE OF ANY SUCH ACTION OR PROCEEDING IN ANY SUCH COURT OR THAT
          SUCH
          ACTION OR PROCEEDING WAS BROUGHT IN AN INCONVENIENT COURT AND AGREES NOT
          TO
          PLEAD OR CLAIM THE SAME;

         

        (C) AGREES
          THAT SERVICE OF PROCESS IN ANY SUCH ACTION OR PROCEEDING MAY BE EFFECTED
          BY
          MAILING A COPY THEREOF BY REGISTERED OR CERTIFIED MAIL (OR ANY SUBSTANTIALLY
          SIMILAR FORM OF MAIL), POSTAGE PREPAID, TO ITS ADDRESS SET FORTH HEREIN
          OR AT
          SUCH OTHER ADDRESS OF WHICH THE DEPOSITOR SHALL HAVE BEEN NOTIFIED;
          AND

         

        (D) AGREES
          THAT NOTHING HEREIN SHALL AFFECT THE RIGHT TO EFFECT SERVICE OF PROCESS
          IN ANY
          OTHER MANNER PERMITTED BY LAW OR SHALL LIMIT THE RIGHT TO SUE IN ANY OTHER
          JURISDICTION.

         

        [SIGNATURE
          PAGE FOLLOWS]

        
          
            
            

          

          
            
            

            
              

            

          

          
            
            

          

        

         

        IN
          WITNESS WHEREOF, the parties have executed this Agreement by their duly
          authorized officers as of the date first above written.

         

        

        
          	 	 	 	 	 	 	 	
                  GS
                    MORTGAGE SECURITIES CORP.

                
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
                  By:

                	 
	 	 	 	 	 	 	 	
                  Name:

                	 
	 	 	 	 	 	 	 	
                  Title:

                	 

        

         

        

        
          	 	 	 	 	 	 	 	
                  GREENPOINT
                    MORTGAGE FUNDING, INC.

                
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
                  By:

                	 
	 	 	 	 	 	 	 	
                  Name:

                	 
	 	 	 	 	 	 	 	
                  Title:

                	 

        

         

        

         

        

        
          
            
            

          

          
            
            

            
              

            

          

          
            
            

          

        

         

        

          ASSIGNMENT
            AND RECOGNITION AGREEMENT

           

          THIS
            ASSIGNMENT AND RECOGNITION AGREEMENT, dated February 28, 2007 (“Agreement”),
            among
            Goldman Sachs Mortgage Company (the “Assignor”),
            GS
            Mortgage Securities Corp. (the “Assignee”)
            and
            GreenPoint Mortgage Funding, Inc. (the “Company”):

           

          For
            and
            in consideration of the sum of TEN DOLLARS ($10.00) and other valuable
            consideration the receipt and sufficiency of which hereby are acknowledged,
            and
            of the mutual covenants herein contained, the parties hereto hereby agree
            as
            follows:

           

          Assignment
            and Conveyance

           

          1.  The
            Assignor hereby conveys, sells, grants, transfers and assigns to the
            Assignee
            (x) all of the right, title and interest of the Assignor, as purchaser,
            in, to
            and under (a) those certain Mortgage Loans listed on the schedule (the
            “Mortgage
            Loan Schedule”)
            attached hereto as Exhibit A (the “Mortgage
            Loans”)
            including, without limitation, interest and principal payments after
            February 1,
            2007 and (b) except as described below, that certain Flow Mortgage Loan
            Purchase
            and Warranties Agreement, dated as of October 1, 2006 (the “Purchase
            Agreement”),
            between the Assignor, as purchaser (the “Purchaser”),
            and
            the Company, as seller, solely insofar as the Purchase Agreement relates
            to the
            Mortgage Loans and (y) other than as provided below with respect to the
            enforcement of representations and warranties, none of the obligations
            of the
            Assignor under the Purchase Agreement. The
            Assignor hereby agrees that it will (i) deliver possession of notes evidencing
            the Mortgage Loans to, or at the direction of, the Assignee or its designee
            and
            (ii) take in a timely manner all necessary steps under all applicable
            laws to
            convey and to perfect the conveyance of the Mortgage Loans as required
            under the
            Pooling Agreement (as defined below).

           

          The
            Assignor specifically reserves and does not assign to the Assignee hereunder
            (i)
            any and all right, title and interest in, to and under and any obligations
            of
            the Assignor with respect to any mortgage loans subject to the Purchase
            Agreement that are not the Mortgage Loans set forth on the Mortgage Loan
            Schedule and are not the subject of this Agreement or (ii) the rights
            of the
            Purchaser under Section 13 and Subsection 14.01 of the Purchase
            Agreement.

           

          Recognition
            of the Company

           

          2. From
            and
            after the date hereof (the “Securitization
            Closing Date”),
            the
            Company shall and does hereby recognize that the Assignee will transfer
            the
            Mortgage Loans and assign its rights under the Purchase Agreement (solely
            to the
            extent set forth herein) and this Agreement to GSAA Home Equity Trust
            2007-S1
            (the “Trust”)
            created pursuant to a Pooling and Servicing Agreement, dated as of February
            1,
            2007 (the “Pooling
            Agreement”),
            among
            the Assignee, Deutsche Bank National Trust Company, as trustee (including
            its
            successors in interest and any successor trustees under the
            Pooling Agreement, the “Trustee”),
            Specialized
            Loan Servicing, LLC, as a servicer, (including its successors in interest
            and
            any successor servicers under the Pooling Agreement, “SLS”),
            Ocwen
            Loan Servicing, LLC, as a servicer (including its successors in interest
            and any
            successor servicers under the Pooling Agreement, “Ocwen”),
            Avelo
            Mortgage, L.L.C. (including its successors in interest and any successor
            servicers under the Pooling Agreement, “Avelo”
and
            Avelo collectively with SLS and Ocwen, the “Servicers”),
            Wells
            Fargo Bank, N.A., as master servicer (including
            its successors in interest and any successor master servicers under the
            Pooling Agreement, the “Master
            Servicer”)
            and
            U.S. Bank National Association, as a custodian (including its successors
            in
            interest and any successor custodian of the Mortgage Loans under the
            Pooling
            Agreement, the “Custodian”).
            The
            Company hereby acknowledges and agrees that from and after the date hereof
            (i)
            the Trust will be the owner of the Mortgage Loans, (ii) the Company shall
            look
            solely to the Trust (including the Trustee, the Custodian, the Master
            Servicer
            and the Servicers acting on the Trust’s behalf) for performance of any
            obligations of the Assignor insofar as they relate to the enforcement
            of the
            representations, warranties and covenants with respect to the Mortgage
            Loans,
            (iii) the Trust (including the Trustee, the Custodian, the Master Servicer
            and
            the Servicers acting on the Trust’s behalf) shall have all the rights and
            remedies available to the Assignor, insofar as they relate to the Mortgage
            Loans, under the Purchase Agreement, including, without limitation, the
            enforcement of the document delivery requirements set forth in Subsection
            6.03
            of the Purchase Agreement, and shall be entitled to enforce all of the
            obligations of the Company thereunder insofar as they relate to the Mortgage
            Loans, including without limitation, the remedies for breaches of
            representations and warranties set forth in Subsection 9.03 of the Purchase
            Agreement, and (iv) all references to the Purchaser (insofar as they
            relate to
            the rights, title and interest and, with respect to obligations of the
            Purchaser, only insofar as they relate to the enforcement of the
            representations, warranties and covenants of the Company) under the Purchase
            Agreement insofar as they relate to the Mortgage Loans, shall be deemed
            to refer
            to the Trust (including the Trustee, the Master Servicer and the Servicers
            acting on the Trust’s behalf). Neither the Company nor the Assignor shall amend
            or agree to amend, modify, waiver, or otherwise alter any of the terms
            or
            provisions of the Purchase Agreement which amendment,
            modification, waiver or other alteration would in any way affect the
            Mortgage
            Loans or the Company’s performance under the Purchase Agreement with respect to
            the Mortgage Loans without the prior written consent of the Trustee and
            the
            Certificate Insurer.

           

          Representations
            and Warranties of the Company

           

          3. The
            Company warrants and represents to the Assignor, the Assignee and the
            Trust as
            of the date hereof that:

           

          (a)  The
            Company is duly organized, validly existing and in good standing under
            the laws
            of the jurisdiction of its formation;

           

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

           

          (c)  No
            consent, approval, order or authorization of, or declaration, filing
            or
            registration with, any governmental entity is required to be obtained
            or made by
            the Company in connection with the execution, delivery or performance
            by the
            Company of this Agreement or if required, such approval has been obtained;
            and

           

          (d)  There
            is
            no action, suit, proceeding or investigation pending or threatened against
            the
            Company, before any court, administrative agency or other tribunal, which
            would
            draw into question the validity of this Agreement or the Purchase Agreement,
            or
            which, either in any one instance or in the aggregate, is likely to result
            in
            any material adverse change in the ability of the Company to perform
            its
            obligations under this Agreement or the Purchase Agreement, and the Company
            is
            solvent.

           

          4. Pursuant
            to Section 13 of the Purchase Agreement, the Company hereby represents
            and
            warrants, for the benefit of the Assignor, the Assignee and the Trust,
            that (i)
            the representations and warranties set forth in Subsection 9.01 of the
            Purchase
            Agreement are true and correct as of the date hereof as if such representations
            and warranties were made on the date hereof; and (ii) the representations
            and
            warranties set forth in Subsection 9.02 of the Purchase Agreement are
            true and
            correct, with respect to each Mortgage Loan, as of the date hereof as
            if such
            representations and warranties were made on the date hereof.

           

          Remedies
            for Breach of Representations and Warranties of the Company 

           

          5. The
            Company hereby acknowledges and agrees that the remedies available to
            the
            Assignor, the Assignee and the Trust (including the Trustee, the Custodian,
            the
            Master Servicer and the Servicers on the Trust’s behalf) in connection with any
            breach of the representations and warranties made by the Company set
            forth in
            Sections 3 and 4 hereof shall be as set forth in Subsection 9.03 of the
            Purchase
            Agreement as if they were set forth herein (including without limitation
            the
            repurchase and indemnity obligations set forth therein).

           

          6. [Reserved].

           

          Representations
            and Warranties of the Assignor

           

          7. The
            Assignor warrants and represents to the Assignee and the Trust (including
            the
            Trustee, the Custodian, the Master Servicer and the Servicers on the
            Trust’s
            behalf) as of the date hereof that, with respect to each Mortgage
            Loan:

           

          (a)  The
            Assignor is the sole owner of record and holder of the Mortgage Loan
            and the
            indebtedness evidenced by each Mortgage Note. The Mortgage Loan is not
            assigned
            or pledged, and the Assignor has good, indefeasible and marketable title
            thereto, and has full right to transfer and sell the Mortgage Loan to
            the
            Assignee free and clear of any encumbrance, equity, participation interest,
            lien, pledge, charge, claim or security interest, and has full right
            and
            authority subject to no interest or participation of, or agreement with,
            any
            other party, to sell and assign each Mortgage Loan pursuant to this Agreement
            and following the sale of each Mortgage Loan, the Assignee will own such
            Mortgage Loan free and clear of any encumbrance, equity, participation
            interest,
            lien, pledge, charge, claim or security interest. The Assignor intends
            to
            relinquish all rights to possess, control and monitor the Mortgage
            Loan;

           

          (b)  The
            Assignor has not waived the performance by the Mortgagor of any action,
            if the
            Mortgagor’s failure to perform such action would cause the Mortgage Loan to be
            in default, nor has the Company waived any default resulting from any
            action or
            inaction by the Mortgagor;

           

          (c)  Any
            and
            all requirements of any federal, state or local law including, without
            limitation, usury, truth-in-lending, real estate settlement procedures,
            consumer
            credit protection, equal credit opportunity and disclosure laws, all
            applicable
            predatory and abusive lending laws or unfair and deceptive practices
            applicable
            to the Mortgage Loan, including, without limitation, any provisions related
            to
            Prepayment Penalties, have been complied with, the consummation of the
            transactions contemplated hereby will not involve the violation of any
            such laws
            or regulations;

           

          (d)  No
            Mortgage Loan is a High Cost or Covered Loan, as applicable, and no Mortgage
            Loan originated on or after October 1, 2002 through March 6, 2003 is
            governed by
            the Georgia Fair Lending Act. For the purposes of this Section 7(d) the
            following definitions shall apply:

           

          (i)  Covered
            Loan:
            A
            Mortgage Loan categorized as Covered pursuant to Appendix E of Standard
&
Poor’s Glossary.

           

          (ii)  Home
            Loan:
            A
            Mortgage Loan categorized as a Home Loan pursuant to Appendix E of Standard
            & Poor’s Glossary.

           

          (iii)  Standard
            & Poor’s Glossary:
            The
            Standard & Poor’s Glossary for File Format for LEVELS® Version 5.7, Appendix
            E, as revised from time to time.

           

          (iv)  High
            Cost Loan:
            A
            Mortgage Loan classified as (a) a “high cost” loan under the Home Ownership and
            Equity Protection Act of 1994, (b) a “high cost home,” “threshold,” “covered,”
(excluding New Jersey “Covered Home Loans” as that term is defined in clause (1)
            of the definition of that term in the New Jersey Home Ownership Security
            Act of
            2002), “high risk home,” “predatory” or similar loan under any other applicable
            state, federal or local law (or a similarly classified loan using different
            terminology under a law imposing heightened regulatory scrutiny or additional
            legal liability for residential mortgage loans having high interest rates,
            points and/or fees) or (c) a Mortgage Loan categorized as High Cost pursuant
            to
            the then-current Appendix E of Standard & Poor’s Glossary; and

           

          (e)  
            None of
            the Mortgage Loans has a Prepayment Penalty period in excess of five
            years.

           

          Remedies
            for Breach of Representations and Warranties of the Assignor

           

          8. The
            Assignor hereby acknowledges and agrees that in the event of any breach
            of any
            of the representations and warranties with respect to any Mortgage Loan
            made by
            the Assignor set forth in Section 7 hereof that materially and adversely
            affects
            the value of such Mortgage Loan or the interest of the Assignee or the
            Trust
            therein and such breach is not cured by the Assignor, it shall, subject
            to the
            substitution provisions set in forth in Section 9 hereof, purchase or
            cause the
            purchase of the applicable Mortgage Loan at the Repurchase Price (as
            defined in
            the Pooling Agreement) within 60 days of the earlier of either discovery
            by or
            notice to the Assignor of such breach of a representation or warranty.
            It is
            understood and agreed that the obligation of the Assignor set forth herein
            to
            cure, repurchase or substitute for a Mortgage Loan in breach of a representation
            or warranty contained in Section 7 hereof constitutes the sole remedy
            of the
            Trust or any other person or entity against the Assignor with respect
            to such
            breach.

           

          Substitution
            Obligation for Breach of a Representation or Warranty

           

          9. The
            Assignor hereby acknowledges and agrees that if the Assignor discovers
            or
            receives notice of any breach of any of the representations and warranties
            made
            by the Assignor pursuant to Section 7 hereof within two years of the
            Securitization Closing Date, the Assignor shall, at the Trust’s option, and
            provided that the Assignor has a Substitute Mortgage Loan (as defined
            below),
            rather than repurchase such Mortgage Loan as provided above, remove such
            Mortgage Loan and substitute in its place a Substitute Mortgage Loan
            or Mortgage
            Loans, provided that any such substitution shall be effected not later
            than two
            years after the Securitization Closing Date. If the Assignor has no Substitute
            Mortgage Loan, the Assignor shall, if such breach is not cured, repurchase
            the
            deficient Mortgage Loan. Any repurchase of a Mortgage Loan or Mortgage
            Loans
            pursuant to the foregoing provisions shall be accomplished by direct
            remittance
            of the applicable repurchase price to the Trust or its designee in accordance
            with the Trust’s instructions.

           

          At
            the
            time of substitution, the Assignor shall arrange for the reassignment
            of the
            deleted Mortgage Loan to the Trust and the delivery to the Trust of any
            documents held by the Trustee relating to the deleted Mortgage Loan.
            In the
            event of a substitution, the Assignor shall (i) simultaneously with such
            reassignment, give written notice to the Trust that such substitution
            has taken
            place, (ii) amend or cooperate with the Trust in amending the applicable
            Mortgage Loan Schedule to reflect the withdrawal of the deleted Mortgage
            Loan
            and (iii) identify a Substitute Mortgage Loan and amend or cooperate
            with the
            Trust in amending the applicable Mortgage Loan Schedule to reflect the
            addition
            of such Substitute Mortgage Loan. In connection with any such substitution,
            the
            Assignor shall be deemed to have made as to such Substitute Mortgage
            Loan the
            representations and warranties set forth in Section 7 of this Agreement
            as of
            the date of such substitution. The Assignor shall effect such substitution
            by
            delivering to the Trustee or to its designee the documents required by
            the
            Pooling Agreement, with the Mortgage Note endorsed as required by the
            Pooling
            Agreement. No substitution will be made in any calendar month after the
            initial
            determination date for such month. The Assignor shall remit directly
            to the
            Trust or its designee in accordance with the Trust’s instructions, the monthly
            payment less the servicing fee due, if any, on such Substitute Mortgage
            Loan or
            Mortgage Loans in the month following the date of such substitution.
            Monthly
            payments due with respect to Substitute Mortgage Loans in the month of
            substitution shall be retained by the Assignor. For the month of substitution,
            distributions to the Trust shall include the monthly payment due on any
            deleted
            Mortgage Loan in the month of substitution, and the Assignor shall thereafter
            be
            entitled to retain all amounts subsequently received by the Assignor
            in respect
            of such deleted Mortgage Loan.

           

          For
            any
            month in which the Assignor substitutes a Substitute Mortgage Loan for
            a deleted
            Mortgage Loan, the Trust shall determine the amount (if any) by which
            the
            aggregate principal balance of all Substitute Mortgage Loans as of the
            date of
            substitution is less than the aggregate stated principal balance of all
            deleted
            Mortgage Loans (after application of scheduled principal payments due
            in the
            month of substitution). The amount of such shortfall shall be distributed
            by the
            Assignor directly to the Trust or its designee in accordance with the
            Trust’s
            instructions within two (2) business days of such substitution.

           

          Any
            cause
            of action against the Assignor relating to or arising out of the breach
            of any
            representations and warranties made in Section 7 hereof shall accrue
            as to any
            Mortgage Loan upon (i) discovery of such breach by the Trust or notice
            thereof
            by the Assignor to the Trust, (ii) failure by the Assignor to cure such
            breach,
            repurchase such Mortgage Loan or substitute a Substitute Mortgage Loan
            as
            specified above, and (iii) demand upon the Assignor by the Trust for
            compliance
            with this Agreement.

           

          A
            Substitute Mortgage Loan (“Substitute
            Mortgage Loan”)
            is a
            mortgage loan eligible to be substituted by the Assignor for a deleted
            Mortgage
            Loan which must, on the date of such substitution, (i) have an outstanding
            principal balance, after deduction of all scheduled payments due in the
            month of
            substitution (or in the case of a substitution of more than one mortgage
            loan
            for a deleted Mortgage Loan, an aggregate principal balance), not in
            excess of
            the outstanding principal balance of the deleted Mortgage Loan (the amount
            of
            any shortfall will be paid by the Assignor to the Trust or its designee
            in the
            month of substitution); (ii) have a mortgage interest rate not less than,
            and
            not more than 1% greater than, the mortgage interest rate of the deleted
            Mortgage Loan; (iii) have a remaining term to maturity not greater than,
            and not
            more than one year less than, that of the deleted Mortgage Loan (iv)
            be of the
            same type as the deleted Mortgage Loan (i.e., fixed rate or adjustable
            rate with
            same Periodic Mortgage Interest Rate Cap and Index); and (v) comply with
            each
            representation and warranty (respecting individual Mortgage Loans) set
            forth in
            Section 7 hereof.

           

          Miscellaneous
            

           

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

           

          11. No
            term
            or provision of this Agreement may be waived or modified unless such
            waiver or
            modification is in writing and signed by the party against whom such
            waiver or
            modification is sought to be enforced, with the prior written consent
            of the
            Trustee and the Certificate Insurer.

           

          12. This
            Agreement shall inure to the benefit of (i) the successors and assigns
            of the
            parties hereto, (ii) the Trust (including the Trustee, the Custodian,
            the Master
            Servicer and the Servicers acting on the Trust’s behalf) and (iii) the
            Certificate Insurer. Any entity into which the Assignor, Assignee or
            Company may
            be merged or consolidated shall, without the requirement for any further
            writing, be deemed Assignor, Assignee or Company, respectively,
            hereunder.

           

          13. Each
            of
            this Agreement and the Purchase Agreement shall survive the conveyance
            of the
            Mortgage Loans and the assignment of the Purchase Agreement (to the extent
            assigned hereunder) by the Assignor to the Assignee and by Assignee to
            the Trust
            and nothing contained herein shall supersede or amend the terms of the
            Purchase
            Agreement. 

           

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

           

          15. In
            the
            event that any provision of this Agreement conflicts with any provision
            of the
            Purchase Agreement with respect to the Mortgage Loans, the terms of this
            Agreement shall control.

           

          16. Capitalized
            terms used in this Agreement (including the exhibits hereto) but not
            defined in
            this Agreement shall have the meanings given to such terms in the Purchase
            Agreement.

           

          [SIGNATURE
            PAGE FOLLOWS]

          

          
            
              
              

            

            
              
              

              
                

              

            

            
              
              

              
              

            

          

           

          IN
            WITNESS WHEREOF, the parties have caused this Agreement to be executed
            by their
            duly authorized officers as of the date first above written.

           

          

          
            	 	 	 	 	 	 	
                    GS
                      MORTGAGE SECURITIES CORP.

                  
	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	
                    By:

                  	 
	 	 	 	 	 	 	
                    Name:

                  	
                    Michelle
                      Gill

                  
	 	 	 	 	 	 	
                    Title:

                  	
                    Vice
                      President

                  
	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	
                    GOLDMAN
                      SACHS MORTGAGE COMPANY,

                    a
                      New York limited partnership

                  
	 	 	 	 	 	 	 
	 	 	 	 	 	 	
                    By:

                  	
                    GOLDMAN
                      SACHS REAL ESTATE FUNDING CORP., a New York corporation, its
                      general
                      partner

                  
	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	
                    By:

                  	 
	 	 	 	 	 	 	
                    Name:

                  	 
	 	 	 	 	 	 	
                    Title:

                  	 
	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	
                    GREENPOINT
                      MORTGAGE FUNDING, INC.

                  
	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	
                    By:

                  	 
	 	 	 	 	 	 	
                    Name:

                  	 
	 	 	 	 	 	 	
                    Title:

                  	 

          

           

          

            
              
                
                

              

              
                
                

                
                  

                

              

              
                
                

                
                

              

            

          

           

          EXHIBIT
            A

           

          Mortgage
            Loan Schedule

           

          
            
              
              

            

            
              
              

              
                

              

            

            
              
              

            

          

        

      

    

     

    EXHIBIT
      Q-3

     

    IRWIN
      AGREEMENTS

     

    

      FLOW
        MORTGAGE LOAN PURCHASE AND WARRANTIES AGREEMENT

       

      This
        FLOW
        MORTGAGE LOAN PURCHASE AND WARRANTIES AGREEMENT (the “Agreement”),
        dated
        as of September 1, 2006, by and between Goldman Sachs Mortgage Company, a
        New
        York limited partnership, having an office at 85 Broad Street, New York,
        New
        York 10004 (the “Purchaser”)
        and
        Irwin Union Bank and Trust Company, an Indiana banking corporation, having
        an
        office at c/o Irwin Home Equity Corporation, 126770 Alcosta Boulevard, Suite
        500, San Ramon, California 94583 (the “Seller”).

       

      W I T N E S S E T H:

       

      WHEREAS,
        from time to time, the Seller desires to sell to the Purchaser, and, from
        time
        to time, the Purchaser desires to purchase from the Seller, certain conventional
        adjustable and fixed rate residential second lien mortgage loans (the
“Mortgage
        Loans”)
        on a
        servicing released basis as described herein, and which shall be delivered
        as a
        pool of whole loans;

       

      WHEREAS,
        each Mortgage Loan is secured by a mortgage, deed of trust or other security
        instrument creating a second lien on a residential dwelling located in the
        jurisdiction indicated on the related Mortgage Loan Schedule;

       

      WHEREAS,
        the Purchaser and the Seller wish to prescribe the manner of the conveyance
        and
        control of the Mortgage Loans; and

       

      WHEREAS,
        following its purchase of the Mortgage Loans from the Seller, the Purchaser
        desires to sell some or all of the Mortgage Loans to one or more purchasers
        as a
        whole loan transfer or a public or private, rated or unrated mortgage
        pass-through transaction;

       

      NOW,
        THEREFORE, in consideration of the premises and mutual agreements set forth
        herein, and for other good and valuable consideration, the receipt and
        sufficiency of which are hereby acknowledged, the Purchaser and the Seller
        agree
        as follows:

       

      SECTION
        1.  Definitions.

       

      For
        purposes of this Agreement the following capitalized terms shall have the
        respective meanings set forth below.

       

      Accepted
        Servicing Practices:
        With
        respect to any Mortgage Loan, those mortgage servicing practices employed
        by the
        Interim Servicer in servicing similar mortgage loans for its own account
        that
        shall comply in all material respects with similar practices of prudent mortgage
        lending institutions which service mortgage loans of substantially the same
        type
        as such Mortgage Loan in the jurisdiction where the related Mortgaged Property
        is located and complies with all applicable federal, state and local law
        and
        incorporating the Delinquency Collection Policies and Procedures.

       

      Actual
        Principal Balance:
        As to
        each Mortgage Loan, (i) the principal balance of the Mortgage after application
        of payments of principal actually received at the related Cut-off Date, minus
        (ii) all amounts previously distributed to the Purchaser with respect to
        the
        related Mortgage Loan representing principal payments.

       

      Adjustable
        Rate Mortgage Loan:
        An
        adjustable rate Mortgage Loan purchased pursuant to this Agreement.

       

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

       

      Agreement:
        This
        Flow Mortgage Loan Purchase and Warranties Agreement and all amendments hereof
        and supplements hereto.

       

      ALTA:
        The
        American Land Title Association, or any successor thereto.

       

      Appraised
        Value:
        The
        value set forth in an appraisal or other valuation method (including AVM)
        made
        in connection with the origination of the related Mortgage Loan as the value
        of
        the Mortgaged Property which value was derived and used in accordance with
        Seller’s Underwriting Guidelines.

       

      Assignment
        and Assumption Agreement:
        As
        defined in Section
        22.

       

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

       

      Automated
        Valuation Model or AVM.
        A
        statistical model or algorithm that estimates the current market value of
        the
        subject property.

       

      Business
        Day:
        Any day
        other than (i) a Saturday or Sunday, (ii) a day on which banking and
        savings and loan institutions in the States of New York, Nevada, Indiana
        and
        California or (iii) the State in which the Custodian’s operations are
        located, are authorized or obligated by law or executive order to be
        closed.

       

      Closing
        Date:
        The
        date or dates set forth on the related Purchase Price and Terms Agreement
        on
        which the Purchaser from time to time shall purchase and the Seller from
        time to
        time shall sell, the Mortgage Loans listed on the related Mortgage Loan
        Schedule

       

      CLTV:
        As of
        the date of origination and as to any Second Lien Mortgage Loan, the ratio,
        expressed as a percentage, of the (a) sum of (i) the outstanding principal
        balance of the Second Lien Mortgage Loan as of the date of origination and
        (ii)
        the outstanding principal balance as of the date of origination of any mortgage
        loan or mortgage loans that are senior or equal in priority to the Second
        Lien
        Mortgage Loan and which are secured by the same Mortgaged Property to (b)
        the
        lesser of the Appraised Value and the purchase price of the Mortgaged
        Property.

       

      Code:
        Internal Revenue Code of 1986, as amended.

       

      Commission:
        The
        United States Securities and Exchange Commission.

       

      Condemnation
        Proceeds:
        All
        awards or settlements in respect of a Mortgaged Property, whether permanent
        or
        temporary, partial or entire, by exercise of the power of eminent domain
        or
        condemnation, to the extent not required to be released to a Mortgagor in
        accordance with the terms of the related Mortgage Loan Documents.

       

      Convertible
        Mortgage Loan:
        Any
        individual Adjustable Rate Mortgage Loan purchased pursuant to this Agreement
        which contains a provision whereby the Mortgagor is permitted to convert
        the
        Adjustable Rate Mortgage Loan to a fixed rate Mortgage Loan in accordance
        with
        the terms of the related Mortgage Note.

       

      Covered
        Loan:
        A
        Mortgage Loan categorized as Covered pursuant to Appendix E of Standard &
Poor’s Glossary.

       

      Credit
        File:
        The
        items pertaining to a particular Mortgage Loan referred to in Exhibit
        B
        annexed
        hereto, and any additional documents required to be added to the credit File
        pursuant to this Agreement.

       

      Custodial
        Account:
        The
        separate account or accounts created and maintained pursuant to the Interim
        Servicing Agreement (with respect to each Mortgage Loan, for an interim period,
        as specified therein).

       

      Custodial
        Agreement:
        The
        agreement between the Purchaser and the Custodian governing the retention
        of the
        originals of each Mortgage Note, Mortgage, Assignment of Mortgage and other
        documents constituting the Mortgage Files.

       

      Custodian:
        Deutsche Bank National Trust Company (or such other Custodian as specified
        in
        the related Purchase Price and Terms Agreement), or its successors in interest
        or permitted assigns, or any successor to the Custodian under the Custodial
        Agreement as therein provided.

       

      Cut-off
        Date:
        With
        respect to each Mortgage Loan in a Mortgage Loan Package, the date set forth
        on
        the related Purchase Price and Terms Agreement.

       

      Deemed
        Material Breach Representation:
        Each
        representation and warranty identified as such in Section 9.02. 

       

      Deleted
        Mortgage Loan:
        A
        Mortgage Loan that is repurchased or replaced or to be replaced with a Qualified
        Substitute Mortgage Loan by the Seller in accordance with the terms of this
        Agreement.

       

      Delinquency
        Collection Policies and Procedures:
        The
        delinquency collection policies and procedures of the Interim Servicer, a
        copy
        of which is attached as an exhibit to the related Purchase Price and Terms
        Agreement.

       

      Depositor:
        The
        depositor, as such term is defined in Regulation AB, with respect to any
        Securitization Transaction.

       

      Due
        Date:
        The day
        of the month on which the Monthly Payment is due on a Mortgage Loan, exclusive
        of any days of grace.

       

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

       

      Fannie
        Mae:
        The
        Federal National Mortgage Association, or any successor thereto.

       

      Fannie
        Mae Guides:
        The
        Fannie Mae Selling Guide and the Fannie Mae Servicing Guide and all amendments
        or additions thereto.

       

      Fannie
        Mae Transfer:
        As
        defined in Section
        13
        hereof.

       

      FHA:
        The
        Federal Housing Administration, an agency within the United States Department
        of
        Housing and Urban Development, or any successor thereto and including the
        Federal Housing Commissioner and the Secretary of Housing and Urban Development
        where appropriate under the FHA Regulations.

       

      FHA
        Loan:
        A
        Mortgage Loan which is the subject of an FHA Mortgage Insurance
        contract.

       

      FHA
        Mortgage Insurance:
        Mortgage insurance authorized under the National Housing Act, as amended
        from
        time to time, and provided by the FHA.

       

      FHA
        Regulations:
        The
        regulations promulgated by the Department of Housing and Urban Development
        under
        the National Housing Act, as amended from time to time and codified in 24
        Code
        of Federal Regulations, and other Department of Housing and Urban Development
        issuances relating to FHA Loans, including the related handbooks, circulars,
        notices and mortgagee letters.

       

      FICO:
        Fair
        Isaac Corporation, or any successor thereto.

       

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

       

      Fixed
        Rate Mortgage Loan:
        A fixed
        rate mortgage loan purchased pursuant to this Agreement.

       

      Freddie
        Mac:
        The
        Federal Home Loan Mortgage Corporation, or any successor thereto.

       

      Freddie
        Mac Transfer:
        As
        defined in Section
        13
        hereof.

       

      Gross
        Margin:
        With
        respect to each Adjustable Rate Mortgage Loan, the fixed percentage amount
        set
        forth in the related Mortgage Note which amount is added to the Index in
        accordance with the terms of the related Mortgage Note to determine on each
        Interest Rate Adjustment Date the Mortgage Interest Rate for such Mortgage
        Loan.

       

      High
        Cost Loan:
        A
        Mortgage Loan (a) covered by the Home Ownership and Equity Protection Act
        of
        1994, (b) classified as a “high cost home,” “threshold,” “covered,” “high risk
        home,” “predatory” or similar loan under any other applicable state, federal or
        local law (or a similarly classified loan using different terminology under
        a
        law imposing heightened regulatory scrutiny or additional legal liability
        for
        residential mortgage loans having high interest rates, points and/or fees)
        or
        (c) categorized as High Cost pursuant to Appendix E of Standard & Poor’s
        Glossary. For avoidance of doubt, the parties agree that this definition
        shall
        apply to any law regardless of whether such law is presently, or in the future
        becomes, the subject of judicial review or litigation.

       

      Home
        Loan:
        A
        Mortgage Loan categorized as Home Loan pursuant to Appendix E of Standard
&
Poor’s Glossary.

       

      HUD:
        The
        Department of Housing and Urban Development, or any federal agency or official
        thereof which may from time to time succeed to the functions thereof with
        regard
        to FHA Mortgage Insurance. The term “HUD,”
for
        purposes of this Agreement, is also deemed to include subdivisions thereof
        such
        as the FHA and Government National Mortgage Association.

       

      Index:
        With
        respect to each Adjustable Rate Mortgage Loan, a rate per annum as specified
        in
        the related Mortgage Loan Schedule.

       

      Insurance
        Proceeds:
        With
        respect to each Mortgage Loan, proceeds of insurance policies insuring the
        Mortgage Loan or the related Mortgaged Property.

       

      Interest
        Rate Adjustment Date:
        With
        respect to each adjustable rate Mortgage Loan, the date, specified in the
        related Mortgage Note and the related Mortgage Loan Schedule, on which the
        Mortgage Interest Rate is adjusted.

       

      Interim
        Funder:
        With
        respect to each MERS Designated Mortgage Loan, the Person named on the MERS®
System as the interim funder pursuant to the MERS Procedures
        Manual.

       

      Interim
        Servicer:
        The
        party servicing the Mortgage Loans in accordance with the Interim Servicing
        Agreement, which is Irwin Union Bank and Trust Company, and its
        successors.

       

      Interim
        Servicing Agreement:
        That
        certain Flow Interim Servicing Agreement, dated as of the date hereof, by
        and
        between the Purchaser and the Seller.

       

      Investor:
        With
        respect to each MERS Designated Mortgage Loan, the Person named on the MERS®
System as the investor pursuant to the MERS Procedures Manual.

       

      Lifetime
        Rate Cap:
        The
        provision of each Mortgage Note related to an Adjustable Rate Mortgage Loan
        which provides for an absolute maximum Mortgage Interest Rate thereunder.
        The
        Mortgage Interest Rate during the terms of each Adjustable Rate Mortgage
        Loan
        shall not at any time exceed the Mortgage Interest Rate at the time of
        origination of such Adjustable Rate Mortgage Loan by more than the amount
        per
        annum set forth on the related Mortgage Loan Schedule.

       

      Limited
        Documentation Program:
        The
        guidelines under which the Seller generally originates Mortgage Loans
        principally on the basis of the Loan-to-Value Ratio of the related Mortgage
        Loan
        and the creditworthiness of the Mortgagor.

       

      Liquidation
        Proceeds:
        Cash
        received in connection with the liquidation of a defaulted Mortgage Loan,
        whether through the sale or assignment of such Mortgage Loan, trustee’s sale,
        foreclosure sale or otherwise or the sale of the related Mortgaged Property
        if
        the Mortgaged Property is acquired in satisfaction of the Mortgage
        Loan.

       

      Loan-to-Value
        Ratio
        or
LTV:
        With
        respect to any Mortgage Loan, the ratio (expressed as a percentage) of the
        outstanding principal amount of the Mortgage Loan as of the related Cut-off
        Date
        (unless otherwise indicated), to the lesser of (a) the Appraised Value of
        the Mortgaged Property at origination and (b) if the Mortgage Loan was made
        to finance the acquisition of the related Mortgaged Property, the purchase
        price
        of the Mortgaged Property.

       

      MERS:
        MERSCORP, Inc., its successors and assigns.

       

      MERS
        Designated Mortgage Loan:
        Mortgage Loans for which (a) the Seller has designated or will designate
        MERS
        as, and has taken or will take such action as is necessary to cause MERS
        to be,
        the mortgagee of record, as nominee for the Seller, in accordance with MERS
        Procedure Manual and (b) the Seller has designated or will designate the
        Custodian as the Investor on the MERS® System.

       

      MERS
        Procedure Manual:
        The
        MERS Procedures Manual, as it may be amended, supplemented or otherwise modified
        from time to time.

       

      MERS
        Report:
        The
        report from the MERS® System listing MERS Designated Mortgage Loans and other
        information.

       

      MERS®
        System:
        MERS
        mortgage electronic registry system, as more particularly described in the
        MERS
        Procedures Manual.

       

      Monthly
        Payment:
        The
        scheduled monthly payment of principal and interest on a Mortgage
        Loan.

       

      Moody’s:
        Moody’s
        Investors Service, Inc., and any successor thereto.

       

      Mortgage:
        The
        mortgage, deed of trust or other instrument securing a Mortgage Note, which
        creates a first or second lien on an unsubordinated estate in fee simple
        in real
        property securing the Mortgage Note; except that with respect to real property
        located in jurisdictions in which the use of leasehold estates for residential
        properties is a widely-accepted practice, the mortgage, deed of trust or
        other
        instrument securing the Mortgage Note may secure and create a first or second
        lien upon a leasehold estate of the Mortgagor.

       

      Mortgage
        File:
        The
        items pertaining to a particular Mortgage Loan referred to in Exhibit A
        annexed
        hereto, and any additional documents required to be added to the Mortgage
        File
        pursuant to this Agreement.

       

      Mortgage
        Interest Rate:
        The
        annual rate of interest borne on a Mortgage Note with respect to each Mortgage
        Loan.

       

      Mortgage
        Loan:
        An
        individual Mortgage Loan which is the subject of this Agreement and the related
        Purchase Price and Terms Agreement, each Mortgage Loan originally sold and
        subject to this Agreement being identified on the related Mortgage Loan
        Schedule, which Mortgage Loan includes without limitation the Mortgage File,
        the
        Credit File, the Servicing File, the Monthly Payments, Principal Prepayments,
        Liquidation Proceeds, Condemnation Proceeds, Insurance Proceeds, Servicing
        Rights, Prepayment Penalties, and all other rights, benefits, proceeds and
        obligations arising from or in connection with such Mortgage Loan, excluding
        replaced or repurchased mortgage loans.

       

      Mortgage
        Loan Documents:
        The
        documents in the Mortgage File.

       

      Mortgage
        Loan Package:
        A pool
        of Mortgage Loans sold to the Purchaser by the Seller on a Closing
        Date.

       

      Mortgage
        Loan Schedule:
        The
        schedule of Mortgage Loans, with respect to each Mortgage Loan Package, attached
        as Exhibit
        A
        to the
        related Assignment and Conveyance, setting forth certain information with
        respect to each Mortgage Loan in the related Mortgage Loan Package, which
        must
        include at a minimum, if applicable: (1) the Seller’s Mortgage Loan
        identifying number; (2) the Mortgagor’s name; (3) the street address
        of the Mortgaged Property including the city, state and zip code; (4) whether
        the Mortgaged Property is owner-occupied, a second home or investment property;
        (5) the number and type of residential units constituting the Mortgaged
        Property (i.e. a single family residence, a 2-4 family residence, a unit
        in a
        condominium project or a unit in a planned unit development, manufactured
        housing); (6) the original months to maturity based on the original
        amortization schedule; (7) the LTV and CLTV, each at the origination;
        (8) the Mortgage Interest Rate as of the related Cut-off Date; (9) the
        date on which the Monthly Payment was due on the Mortgage Loan and, if such
        date
        is not consistent with the Due Date currently in effect, such Due Date;
        (10) the stated maturity date; (11) the amount of the Monthly Payment
        as of the related Cut-off Date; (12) the last payment date on which a
        Monthly Payment was actually applied to pay interest and the Actual Principal
        Balance; (13) the original principal amount of the Mortgage Loan;
        (14) the Actual Principal Balance of the Mortgage Loan as of the close of
        business on the related Cut-off Date, after deduction of payments of principal
        due and collected on or before the related Cut-off Date; (15) with respect
        to Adjustable Rate Mortgage Loans, the Interest Rate Adjustment Date;
        (16) with respect to Adjustable Rate Mortgage Loans, the Gross Margin;
        (17) with respect to Adjustable Rate Mortgage Loans, the Lifetime Rate Cap
        under the terms of the Mortgage Note; (18) with respect to Adjustable Rate
        Mortgage Loans, the type of Index; (19) with respect to Adjustable Rate
        Mortgage Loans, the Periodic Rate Cap under the terms of the Mortgage Note;
        (20)
        with respect to Adjustable Rate Mortgage Loans, the Periodic Rate Floor under
        the terms of the Mortgage Note; (21) the type of Mortgage Loan (i.e., Fixed
        Rate, Adjustable Rate, Second Lien); (22)  the purpose of the loan (i.e.,
        purchase, rate and term refinance, equity take-out refinance); (23) the
        documentation style (i.e. full, alternative or reduced); (24) the loan
        credit classification (as described in the Underwriting Guidelines);
        (25) whether such Mortgage Loan provides for a Prepayment Penalty; (26) the
        Prepayment Penalty period of such Mortgage Loan, if applicable; (27) a
        description of the Prepayment Penalty, if applicable; (28) the Mortgage
        Interest Rate as of origination; (29) the credit risk score (FICO score)
        at
        origination; (30) the date of origination; (31) the Mortgage Interest Rate
        adjustment period; (32) the Mortgage Interest Rate adjustment percentage;
        (33)
        the Mortgage Interest Rate floor; (34) the Mortgage Interest Rate calculation
        method (i.e., 30/360, simple interest, other); (35) whether the Mortgage
        Loan is
        a Section 32 Mortgage Loan; (36) the Mortgage Loan is assumable; (37) the
        Due
        Date for the first Monthly Payment; (38) the original Monthly Payment due;
        (39) with respect to the related Mortgagor, the debt-to-income ratio; (40)
        the Appraised Value of the Mortgaged Property; (41) the sales price of the
        Mortgaged Property if the Mortgage Loan was originated in connection with
        the
        purchase of the Mortgaged Property and (42) if the Mortgage Loan is a High
        Cost
        Loan or Home Loan as such terms are defined in the then current Standard
&
Poor’s Glossary. With respect to the Mortgage Loans in the aggregate, the
        Mortgage Loan Schedule shall set forth the following information, as of the
        related Cut-off Date: (1) the number of Mortgage Loans; (2) the
        current aggregate of the Actual Principal Balances of the Mortgage Loans;
        (3) the weighted average Mortgage Interest Rate of the Mortgage Loans; and
        (4) the weighted average maturity of the Mortgage Loans.

       

      Mortgage
        Note:
        The
        note or other evidence of the indebtedness of a Mortgagor secured by a
        Mortgage.

       

      Mortgaged
        Property:
        The
        real property (or leasehold estate, if applicable) securing repayment of
        the
        debt evidenced by a Mortgage Note.

       

      Mortgagor:
        The
        obligor on a Mortgage Note.

       

      Officer’s
        Certificate:
        A
        certificate signed by the Chairman of the Board or the Vice Chairman of the
        Board or a President or a Vice President and by the Treasurer or the Secretary
        or one of the Assistant Treasurers or Assistant Secretaries of the Seller,
        and
        delivered to the Purchaser as required by this Agreement.

       

      Opinion
        of Counsel:
        A
        written opinion of counsel, who may be counsel for the Seller, reasonably
        acceptable to the Purchaser, provided that any Opinion of Counsel relating
        to
        (a) the qualification of any account required to be maintained pursuant to
        this Agreement as an Eligible Account, (b) qualification of the Mortgage
        Loans in a REMIC or (c) compliance with the REMIC Provisions, must be
        (unless otherwise stated in such Opinion of Counsel) an opinion of counsel
        who
        (i) is in fact independent of the Seller and any master servicer of the
        Mortgage Loans, (ii) does not have any material direct or indirect
        financial interest in the Seller or any master servicer of the Mortgage Loans
        or
        in an Affiliate of either and (iii) is not connected with the Seller or any
        master servicer of the Mortgage Loans as an officer, employee, director or
        person performing similar functions.

       

      Periodic
        Rate Cap:
        The
        provision of each Mortgage Note related to an Adjustable Rate Mortgage Loan
        which provides for an absolute maximum amount by which the Mortgage Interest
        Rate therein may increase or decrease on an Interest Rate Adjustment Date
        above
        or below the Mortgage Interest Rate previously in effect.

       

      Periodic
        Rate Floor:
        With
        respect to each Adjustable Rate Mortgage Loan, the provision of each Mortgage
        Note which provides for an absolute maximum amount by which the Mortgage
        Interest Rate therein may decrease on an Interest Rate Adjustment Date below
        the
        Mortgage Interest Rate previously in effect.

       

      Permitted
        Lien:
        A lien
        on the related Mortgaged Property subject to (1) the lien of current real
        property taxes and assessments not yet due and payable; (2) covenants,
        conditions and restrictions, rights of way, easements and other matters of
        the
        public record as of the date of recording acceptable to prudent mortgage
        lending
        institutions generally and specifically referred to in the lender’s title
        insurance policy delivered to the originator of the Mortgage Loan and
        (a) specifically referred to or otherwise considered in the appraisal made
        for the originator of the Mortgage Loan or (b) which do not adversely
        affect the Appraised Value of the Mortgaged Property set forth in such
        appraisal; (3) other matters to which like properties are commonly subject
        which
        do not materially interfere with the benefits of the security intended to
        be
        provided by the Mortgage or the use, enjoyment, value or marketability of
        the
        related Mortgaged Property; and (4) the lien of the first mortgage on the
        Mortgaged Property.

       

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

       

      Prepayment
        Penalty:
        With
        respect to each Mortgage Loan, the fee, if any, payable upon the prepayment,
        in
        whole or in part, of such Mortgage Loan, as set forth in the related Mortgage
        Note.

       

      Principal
        Prepayment:
        Any
        payment or other recovery of principal on a Mortgage Loan which is received
        in
        advance of its scheduled Due Date, including any Prepayment Penalty or premium
        thereon and which is not accompanied by an amount of interest representing
        scheduled interest due on any date or dates in any month or months subsequent
        to
        the month of prepayment.

       

      Purchase
        Price:
        The
        price paid on the related Closing Date by the Purchaser to the Seller in
        exchange for the Mortgage Loans in a Mortgage Loan Package as calculated
        in
Section
        4
        of this
        Agreement.

       

      Purchase
        Price and Terms Agreement:
        With
        respect to each purchase of a Mortgage Loan Package hereunder, that certain
        letter agreement setting forth the general terms and conditions of such
        transaction consummated herein and identifying the Mortgage Loans to be
        purchased hereunder, by and between the Seller and the Purchaser.

       

      Purchaser:
        Goldman
        Sachs Mortgage Company, a New York limited partnership, and its successors
        in
        interest and assigns, and any successor to the Purchaser under this Agreement
        as
        herein provided.

       

      Qualified
        Appraiser:
        An
        appraiser, duly appointed by the Seller, who had no interest, direct or indirect
        in the Mortgaged Property or in any loan made on the security thereof, and
        whose
        compensation is not affected by the approval or disapproval of the Mortgage
        Loan, and such appraiser and the appraisal made by such appraiser both satisfy
        the requirements of Title XI of the Financial Institutions Reform, Recovery,
        and
        Enforcement Act of 1989 and the regulations promulgated thereunder, all as
        in
        effect on the date the Mortgage Loan was originated.

       

      Qualified
        Correspondent:
        Any
        Person from which the Seller purchased Mortgage Loans, provided that the
        following conditions are satisfied: (i) such Mortgage Loans were originated
        pursuant to an agreement between the Seller and such Person that contemplated
        that such Person would underwrite mortgage loans from time to time, for sale
        to
        the Seller, in accordance with underwriting guidelines designated by the
        Seller
        (“Designated Guidelines”) or guidelines that do not vary materially from such
        Designated Guidelines; (ii) such Mortgage Loans were in fact underwritten
        as described in clause (i) above and were acquired by the Seller
        within one hundred eighty (180) days after origination; (iii) either
        (x) the Designated Guidelines were, at the time such Mortgage Loans were
        originated, used by the Seller in origination of mortgage loans of the same
        type
        as the Mortgage Loans for the Seller’s own account or (y) the Designated
        Guidelines were, at the time such Mortgage Loans were underwritten, designated
        by the Seller on a consistent basis for use by lenders in originating mortgage
        loans to be purchased by the Seller; and (iv) the Seller employed, at the
        time such Mortgage Loans were acquired by the Seller, pre-purchase or
        post-purchase quality assurance procedures (which may involve, among other
        things, review of a sample of mortgage loans purchased during a particular
        time
        period or through particular channels) designed to ensure that Persons from
        which it purchased mortgage loans properly applied the underwriting criteria
        designated by the Seller.

       

      Qualified
        Substitute Mortgage Loan:
        A
        mortgage loan eligible to be substituted by the Seller for a Deleted Mortgage
        Loan which must, on the date of such substitution, (i) have an outstanding
        principal balance, after deduction of all scheduled payments due in the month
        of
        substitution (or in the case of a substitution of more than one mortgage
        loan
        for a Deleted Mortgage Loan, an aggregate principal balance), not in excess
        of
        the aggregate of the Actual Principal Balances of the Deleted Mortgage Loan;
        (ii) have a Mortgage Interest Rate not less than and not more than 1% greater
        than the Mortgage Interest Rate of the Deleted Mortgage Loan; (iii) have
        a
        remaining term to maturity not greater than and not more than one (1) year
        less
        than that of the Deleted Mortgage Loan (iv) be of the same type as the Deleted
        Mortgage Loan (i.e., fixed rate or adjustable rate with same Periodic Rate
        Cap,
        Lifetime Rate Cap, Index and lien priority); and (v) comply with each
        representation and warranty (respecting individual Mortgage Loans) set forth
        in
Section
        9
        hereof.

       

      Rating
        Agency:
        Any of
        Fitch, Moody’s or Standard & Poor’s, or their respective successors
        designated by the Purchaser.

       

      Reconstitution:
        Any
        Securitization Transaction or Whole Loan Transfer.

       

      Reconstitution
        Agreements:
        The
        agreement or agreements entered into by the Seller and the Purchaser and/or
        certain third parties on the Reconstitution Date or Dates with respect to
        any or
        all of the Mortgage Loans sold hereunder, in connection with a Whole Loan
        Transfer or a Securitization Transaction pursuant to Section 13,
        including, but not limited to, a seller’s warranties and servicing agreement
        with respect to a Whole Loan Transfer, and a pooling and servicing agreement
        and/or seller/servicer agreements and related custodial/trust agreement and
        documents with respect to a Securitization Transaction.

       

      Reconstitution
        Date:
        As
        defined in Section
        13.

       

      Regulation AB:
        Subpart 229.1100 - Asset Backed Securities (Regulation AB), 17 C.F.R.
§§ 229.1100-229.1123, as such may be amended from time to time, and subject
        to
        such clarification and interpretation as have been provided by the Commission
        in
        the adopting release (Asset-Backed Securities, Securities Act Release
        No. 33-8518, 70 Fed. Reg. 1,506, 1,531 (Jan. 7, 2005)) or by the
        staff of the Commission, or as may be provided by the Commission or its staff
        from time to time.

       

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

       

      REMIC
        Provisions:
        Provisions of the federal income tax law relating to a REMIC, which appear
        at
        Section 860A through 860G of Subchapter M of Chapter 1, Subtitle A of the
        Code,
        and related provisions and regulations, rulings or pronouncements promulgated
        thereunder, as the foregoing may be in effect from time to time.

       

      Repurchase
        Price:
        With
        respect to any Mortgage Loan for which a breach of a representation or warranty
        under this Agreement is found, a price equal to the Actual Principal Balance
        of
        the Mortgage Loan to be repurchased as of the date of repurchase, plus accrued
        interest thereon at the Mortgage Interest Rate from the date on which interest
        had last been paid through the date of such repurchase, plus (without
        duplication) the amount of any outstanding advances owed to any servicer,
        plus
        all costs and expenses incurred by the Purchaser or any servicer arising
        out of
        or based upon such breach, including without limitation costs and expenses
        incurred in the enforcement of the Seller's repurchase obligation hereunder
        plus
        any costs and damages incurred by the related trust with respect to any
        securitization of the Mortgage Loan in connection with any violation by such
        Mortgage Loan of any predatory- or abusive-lending law.

       

      RESPA:
        Real
        Estate Settlement Procedures Act, as amended from time to time.

       

      Second
        Lien Mortgage Loan:
        A
        Mortgage Loan secured by a second lien Mortgage on the related Mortgaged
        Property.

       

      Securities
        Act:
        The
        Securities Act of 1933, as amended.

       

      Securitization
        Transaction:
        Any
        transaction involving either (1) a sale or other transfer of some or all of
        the Mortgage Loans directly or indirectly to an issuing entity in connection
        with an issuance of publicly offered or privately placed, rated or unrated
        mortgage-backed securities or (2) an issuance of publicly offered or
        privately placed, rated or unrated securities, the payments on which are
        determined primarily by reference to one or more portfolios of residential
        mortgage loans consisting, in whole or in part, of some or all of the Mortgage
        Loans.

       

      Seller:
        Irwin
        Union Bank and Trust Company, its successors in interest and
        assigns.

       

      Seller
        Information:
        As
        defined in Subsection 33.04(a).

       

      Servicing
        Fee:
        With
        respect to each Mortgage Loan subject to the Interim Servicing Agreement,
        an
        amount per month as set forth in the Interim Servicing Agreement.

       

      Servicing
        File:
        With
        respect to each Mortgage Loan, the file retained by the Seller consisting
        of
        originals of all documents in the Mortgage File which are not delivered to
        the
        Purchaser or the Custodian and copies of the Mortgage Loan Documents set
        forth
        in as provided in Section
        6.03
        hereof.

       

      Servicing
        Rights:
        Any and
        all of the following: (a) any and all rights to service the Mortgage Loans;
        (b)
        any payments to or monies received by the Seller for servicing the Mortgage
        Loans; (c) any late fees, penalties or similar payments with respect to the
        Mortgage Loans but not including any Prepayment Penalties; (d) all agreements
        or
        documents creating, defining or evidencing any such servicing rights to the
        extent they relate to such servicing rights and all rights of the Seller
        thereunder; (e) all accounts and other rights to payment related to any of
        the
        property described in this paragraph; and (f) any and all documents, files,
        records, servicing files, servicing documents, servicing records, data tapes,
        computer records, or other information pertaining to the Mortgage Loans or
        pertaining to the past, present or prospective servicing of the Mortgage
        Loans.

       

      Sponsor:
        The
        sponsor, as such term is defined in Regulation AB, with respect to any
        Securitization Transaction.

       

      Standard
        & Poor’s:
        Standard & Poor’s Rating Services, a division of The McGraw-Hill Companies
        Inc., and its successors in interest.

       

      Standard
        & Poor’s Glossary:
        The
        Standard & Poor’s LEVELS® Glossary, as may be in effect from time to
        time.

       

      Static
        Pool Information:
        Static
        pool information as described in Item 1105(a)(1)-(3) and 1105(c) of
        Regulation AB.

       

      Successor
        Servicer:
        A
        servicer designated by the Purchaser pursuant to Section 8
        and Subsection 9.03
        which is
        entitled to the benefits of the indemnifications set forth in Subsections 9.03
        and
14.01.

       

      Third-Party
        Originator:
        Each
        Person, other than a Qualified Correspondent, that originated Mortgage Loans
        acquired by the Seller.

       

      Transfer
        Date:
        With
        respect to each Mortgage Loan, (a) the date set forth in the related Purchase
        Price and Terms Agreement or (b) such other date as mutually agreed by the
        Seller and the Purchaser.

       

      Underwriting
        Guidelines:
        The
        underwriting guidelines used to originate the relevant Mortgage Loans in
        effect
        as of the related Closing Date, a copy of which is attached to the related
        Purchase Price and Terms Agreement.

       

      Whole
        Loan Agreement:
        Any
        Reconstitution Agreement in respect of a Whole Loan Transfer.

       

      Whole
        Loan Transfer:
        Any
        sale or transfer of some or all of the Mortgage Loans, other than a
        Securitization Transaction.

       

      SECTION
        2.  Agreement
        to Purchase.

       

      The
        Seller, on each related Closing Date, agrees to sell, and the Purchaser agrees
        to purchase, Mortgage Loans having an aggregate Actual Principal Balance
        on the
        related Cut-off Date in an amount as set forth in the related Purchase Price
        and
        Terms Agreement, or in such other amount as agreed by the Purchaser and the
        Seller as evidenced by the aggregate Actual Principal Balance of the Mortgage
        Loans accepted by the Purchaser on the related Closing Date.

       

      SECTION
        3.  Mortgage
        Schedules.

       

      The
        Seller shall provide the Purchaser with certain information constituting
        a
        preliminary listing of the Mortgage Loans to be purchased on the related
        Closing
        Date in accordance with the related Purchase Price and Terms Agreement and
        this
        Agreement.

       

      The
        Seller shall deliver the related final Mortgage Loan Schedule for the Mortgage
        Loans to be purchased on the related Closing Date to the Purchaser at least
        two
        (2) Business Days prior to the related Closing Date.

       

      SECTION
        4.  Purchase
        Price.

       

      The
        Purchase Price for each Mortgage Loan shall be the percentage as stated in
        the
        related Purchase Price and Terms Agreement (subject to adjustment as provided
        therein), multiplied by the Actual Principal Balance, as of the related Cut-off
        Date, of the Mortgage Loans, after application of payments of principal actually
        received on or before the related Cut-off Date.

       

      In
        addition to the Purchase Price as described above, the Purchaser shall pay
        to
        the Seller, on the related Closing Date, accrued interest on the Actual
        Principal Balance of the related Mortgage Loans as of the related Cut-off
        Date
        at the weighted average Mortgage Interest Rate of those Mortgage Loans from
        the
        date interest was paid through on the Mortgage Loan through the day prior
        to the
        related Closing Date, inclusive. The Purchase Price plus accrued interest
        shall
        be paid to the Seller by wire transfer of immediately available funds to
        an
        account designated by the Seller in writing.

       

      The
        Purchaser shall be entitled to (1) all principal received after the related
        Cut-off Date, (2) all other recoveries of late charges, prepayment penalties,
        assumption fees or other charges collected after the related Cut-off Date,
        and
        (3) all payments of interest on the Mortgage Loans at the Mortgage Interest
        Rate.

       

      SECTION
        5.  Purchaser’s
        Rights to Examine Mortgage Files.

       

      At
        a
        reasonable time, but not less than twenty (20) days prior to the related
        Closing
        Date, with respect to each Mortgage Loan in the related Mortgage Loan Package
        to
        be purchased, the Purchaser (or its designee) at its expense shall have the
        right to perform during normal business hours at the premises of the Seller
        a
        pre-closing due diligence of the related Mortgage Files, Servicing Files
        and
        Credit Files, to determine if such Mortgage Loans were underwritten in
        accordance with the relevant Underwriting Guidelines. The Purchaser shall
        have
        the right to order additional broker’s price opinions in its sole discretion at
        the Purchaser’s expense. 

       

      The
        Seller will provide information and otherwise cooperate with the due diligence
        reviews of the Purchaser, its co-investor’s, its financial partner’s, and the
        rating agencies. The Seller shall make the legal files and the credit files,
        together with any payment histories, collection histories, bankruptcy histories,
        broker’s price opinions, to the extent available, and any other information with
        respect to the Mortgage Loans requested by the Purchaser, available at the
        Seller’s offices for review by Purchaser or its agents during normal business
        hours before the related Closing Date.

       

      The
        Purchaser shall have the right to reject any Mortgage Loan and designate
        it as a
        Deleted Mortgage Loan (a) for which the documentation listed in Subsection
        6.03
        is
        missing or defective in whole or in part, (b) for which the related broker’s
        price opinion is below the appraisal provided in connection with the origination
        of the related Mortgage Loan, (c) for which the loan-to-value ratio calculated
        based upon the broker’s price opinion is greater than 100%, (d) which does not
        conform to the Seller’s Underwriting Guidelines, (e) which does not conform to
        the terms of the related Purchase Price and Terms Agreement or is in breach
        of
        the representations and warranties set forth in this Agreement, (f) that
        is not
        securitizable in the reasonable opinion of the Purchaser, or (g) which does
        not
        conform to the terms of any applicable federal, state, or local law or
        regulation. The Purchaser shall use its best efforts to notify the Seller
        of any
        such rejected Mortgage Loan immediately upon discovery.

       

      The
        Purchaser shall complete its full due diligence examination, and convey the
        results thereof to the Seller, no later than one week prior to the Cut-off
        Date
        to permit the Seller to rebut or cure any exceptions as permitted herein.
        At
        least three (3) Business Days prior to the relevant Closing Date, the Purchaser
        shall identify those loans that the Purchaser intends to purchase. 

       

      The
        Purchaser may, at its option, purchase some or all of the Mortgage Loans
        without
        conducting any partial or complete examination. The fact that the Purchaser
        or
        its designee has conducted or has failed to conduct any partial or complete
        examination of the Mortgage Files or the Credit Files shall not affect the
        Purchaser’s (or any of its successor’s) rights to demand repurchase,
        substitution or other relief as provided herein. 

       

      In
        the
        event that the Seller fails to deliver the Credit Files with respect to any
        Mortgage Loan after the related Closing Date, the Seller shall, upon the
        request
        of the Purchaser, repurchase such Mortgage Loan at the price and in the manner
        specified in Subsection
        9.03.

       

      SECTION
        6.  Conveyance
        from Seller to Purchaser.

       

      Subsection
        6.01  Conveyance
        of Mortgage Loans.

       

      The
        Seller, on each related Closing Date, does hereby sell, transfer, assign,
        set
        over and convey to the Purchaser, without recourse, but subject to the terms
        of
        this Agreement, all rights, title and interest of the Seller in and to the
        Mortgage Loans in the related Mortgage Loan Package, and the Mortgage Files
        and
        all rights and obligations arising under the documents contained therein
        for
        each Mortgage Loan in the related Mortgage Loan Package.

       

      Subsection
        6.02  Books
        and Records.

       

      Record
        title to each Mortgage as of the related Closing Date shall be in the name
        of
        MERS, the Purchaser or one or more designees of the Purchaser, as the Purchaser
        shall select. Notwithstanding the foregoing, each Mortgage and related Mortgage
        Note shall be possessed solely by the Purchaser or the appropriate designee
        of
        the Purchaser, as the case may be. All rights arising out of the Mortgage
        Loans
        including, but not limited to, all funds received by the Seller after the
        related Cut-off Date on or in connection with a Mortgage Loan shall be vested
        in
        the Purchaser or one or more designees of the Purchaser; provided, however,
        that
        all funds received on or in connection with a Mortgage Loan shall be received
        and held by the Seller in trust for the benefit of the Purchaser or the
        appropriate designee of the Purchaser, as the case may be, as the owner of
        the
        Mortgage Loans pursuant to the terms of this Agreement.

       

      The
        sale
        of each Mortgage Loan shall be reflected on the Seller’s balance sheet and other
        financial statements as a sale of assets by the Seller.

       

      The
        Seller shall be responsible for maintaining, and shall maintain, a complete
        set
        of books and records for each Mortgage Loan which shall be marked clearly
        to
        reflect the ownership of each Mortgage Loan by the Purchaser. In particular,
        the
        Seller shall maintain in its possession, available for inspection by the
        Purchaser, and shall deliver to the Purchaser upon demand, evidence of
        compliance with all federal, state and local laws, rules and regulations,
        and
        industry standards, including but not limited to documentation as to the
        method
        used in determining the applicability of the provisions of the National Flood
        Insurance Act of 1968, as amended, to the Mortgaged Property, documentation
        evidencing insurance coverage and periodic inspection reports, as required
        by
        industry standards. To the extent that original documents are not required
        for
        purposes of realization of Liquidation Proceeds or Insurance Proceeds, documents
        maintained by the Seller may be in the form of microfilm or microfiche so
        long
        as the Seller complies with industry standards.

       

      Subsection
        6.03  Delivery
        of Mortgage Loan Documents.

       

      Unless
        otherwise agreed to by the parties, the Seller shall deliver and release
        to the
        Custodian no later than seven (7) Business Days preceding the related Closing
        Date, pursuant to a bailee letter agreement, the Mortgage Files with respect
        to
        each Mortgage Loan in the related Mortgage Loan Package.

       

      The
        Custodian shall certify its receipt of all such Mortgage Loan Documents required
        to be delivered pursuant to the Custodial Agreement for the related Closing
        Date, as evidenced by the Initial Certification of the Custodian in the form
        annexed to the Custodial Agreement.

       

      The
        Interim Servicer shall forward to the Custodian, or to such other Person
        as the
        Purchaser shall designate in writing, original documents evidencing an
        assumption, modification, consolidation or extension of any Mortgage Loan
        entered into in accordance with this Agreement within fifteen (15) calendar
        days
        of their execution, provided, however, that the Seller shall provide the
        Custodian, or to such other Person as the Purchaser shall designate in writing,
        with a certified true copy of any such document submitted for recordation
        within
        fifteen (15) calendar days of its execution, and shall promptly provide the
        original of any document submitted for recordation or a copy of such document
        certified by the appropriate public recording office to be a true and complete
        copy of the original within ninety (90) calendar days of submission for
        recordation. 

       

      In
        the
        event any document listed on Exhibit
        A
        as
        constituting a part of the Mortgage Files and required to be delivered to
        the
        Custodian pursuant to this Subsection
        6.03,
        including an original or copy of any document submitted for recordation to
        the
        appropriate public recording office, is not so delivered to the Custodian,
        or to
        such other Person as the Purchaser shall designate in writing, on the related
        Closing Date (other than with respect to the Assignments of Mortgage which
        shall
        be delivered to the Custodian in blank on or prior to the related Closing
        Date
        and recorded subsequently by the Purchaser or its designee or documents
        submitted for recordation to the appropriate public recording office), and
        in
        the event that the Seller does not cure such failure within thirty (30) days
        from receipt of written notification of such failure from the Purchaser,
        the
        related Mortgage Loan shall, upon the request of the Purchaser, be repurchased
        by the Seller at the price and in the manner specified in Subsection
        9.03.
        The
        foregoing repurchase obligation shall not apply in the event that the Seller
        cannot deliver an original document submitted for recordation to the appropriate
        public recording office within the specified period due to a delay caused
        by the
        recording office in the applicable jurisdiction; provided that (i) the Seller
        shall instead deliver a recording receipt of such recording office or, if
        such
        recording receipt is not available, an officer’s certificate of an officer of
        the Seller, confirming that such documents have been accepted for recording;
        provided that, upon request of the Purchaser and delivery by the Purchaser
        to
        the Seller of a schedule of the Mortgage Loans, the Seller shall reissue
        and
        deliver to the Purchaser or its designee said officer’s certificate and (ii)
        such document is delivered within twelve (12) months of the related Closing
        Date.

       

      The
        Seller shall pay all initial recording, registration or transfer fees, if
        any,
        for the assignments of mortgage and any other fees or costs in transferring
        all
        original documents to the Custodian or, upon written request of the Purchaser,
        to the Purchaser or the Purchaser’s designee. The Purchaser or the Purchaser’s
        designee shall be responsible for recording the Assignments of Mortgage and
        shall be reimbursed by the Seller for the reasonable costs associated therewith
        pursuant to the preceding sentence.

       

      Subsection
        6.04  Quality
        Control Procedures.

       

      The
        Seller shall have an internal quality control program that verifies, on a
        regular basis, the existence and accuracy of the legal documents, credit
        documents, property appraisals, and underwriting decisions. The program shall
        include evaluating and monitoring the overall quality of the Seller’s loan
        production and the servicing activities of the Seller. The program is to
        ensure
        that the Mortgage Loans are originated and serviced in accordance with Accepted
        Servicing Standards and the Underwriting Guidelines; guard against dishonest,
        fraudulent, or negligent acts; and guard against errors and omissions by
        officers, employees, or other authorized persons.

       

      SECTION
        7.  Servicing
        of the Mortgage Loans.

       

      The
        Mortgage Loans will be sold by the Seller to the Purchaser on a servicing
        released basis. Subject to and upon the terms and conditions of this Agreement,
        the Seller hereby sells, transfers, assigns, conveys and delivers to the
        Purchaser the Servicing Rights.

       

      The
        Purchaser shall retain the Seller as contract servicer of the Mortgage Loans
        for
        an interim period pursuant to and in accordance with the terms and conditions
        contained in the Interim Servicing Agreement (with respect to each Mortgage
        Loan, for an interim period, as specified therein). The Purchaser and Seller
        shall execute the Interim Servicing Agreement on the date hereof or such
        other
        date as agreed to by the parties. Pursuant to the Interim Servicing Agreement,
        the Seller shall begin servicing the Mortgage Loans on behalf of the Purchaser
        and shall be entitled to the Servicing Fee with respect to such Mortgage
        Loans
        from the related Closing Date until the related Transfer Date.

       

      SECTION
        8.  Transfer
        of Servicing.

       

      On
        the
        related Transfer Date, the Purchaser, or its designee, shall assume all
        servicing responsibilities related to, and the Interim Servicer shall cease
        all
        servicing responsibilities related to the Mortgage Loans. The related Transfer
        Date shall be the date determined in accordance with the Interim Servicing
        Agreement (with respect to each Mortgage Loan, for an interim period, as
        specified therein).

       

      On
        or
        prior to the related Transfer Date, the Interim Servicer shall, at its sole
        cost
        and expense, take such steps as may be necessary or appropriate to effectuate
        and evidence the transfer of the servicing of the related Mortgage Loans
        to the
        Successor Servicer, including but not limited to the following: 

       

      (a)  Notice
        to Mortgagors.
        The
Interim
        Servicer
        shall
        mail to the Mortgagor of each related Mortgage Loan a letter advising such
        Mortgagor of the transfer of the servicing of the related Mortgage Loan to
        the
        Purchaser, or its designee, in accordance with the Real Estate Settlement
        Procedures Act, Regulation X and other applicable laws and regulations, as
        amended; provided, however, the content and format of the letter shall have
        the
        prior approval of the Purchaser. The Interim Servicer shall provide the
        Purchaser with copies of all such related notices no later than fifteen (15)
        days from and after the related Transfer Date.

       

      (b)  Notice
        to Taxing Authorities and Insurance Companies.
        The
        Interim Servicer shall transmit to the applicable taxing authorities and
        insurance companies (including primary mortgage insurance policy insurers,
        if
        applicable) and/or agents, notification of the transfer of the servicing
        to the
        Purchaser, or its designee, and instructions to deliver all notices, tax
        bills
        and insurance statements, as the case may be, to the Purchaser or its designee
        from and after the related Transfer Date. The Interim Servicer shall provide
        the
        Purchaser and its designee with copies of all such notices no later than
        the
        related Transfer Date.

       

      (c)  Delivery
        of Servicing Records.
        The
        Interim Servicer shall forward to the Purchaser, or its designee, all servicing
        records and the Servicing File in the Seller’s possession relating to each
        related Mortgage Loan including the information enumerated in the Interim
        Servicing Agreement (with respect to each such Mortgage Loan, for an interim
        period, as specified therein).

       

      (d)  Payoffs
        and Assumptions.
        The
        Interim Servicer shall provide to the Purchaser, or its designee, copies
        of all
        assumption and payoff statements generated by the Interim Servicer on the
        related Mortgage Loans from the related Cut-off Date to the related Transfer
        Date.

       

      (e)  Mortgage
        Payments Received Prior to Transfer Date.
        Prior
        to the related Transfer Date all payments received by the Interim Servicer
        on
        each related Mortgage Loan shall be properly applied to the account of the
        particular Mortgagor.

       

      (f)  The
        amount of any related Monthly Payments received by the Interim Servicer after
        the related Transfer Date shall be forwarded to the Purchaser or its designee
        by
        overnight mail within two (2) Business Days of receipt; provided, however,
        that
        any such Monthly Payments received by the Interim Servicer more than thirty
        (30)
        days after the Transfer Date shall be forwarded by the Interim Servicer to
        the
        Purchaser or its designee by wire transfer or regular mail within three (3)
        Business Days of receipt. The Interim Servicer shall notify the Purchaser
        or its
        designee of the particulars of the payment, which notification requirement
        shall
        be satisfied if the Interim Servicer forwards with its payment sufficient
        information to permit appropriate processing of the payment by the Purchaser.
        The Interim Servicer shall, with respect to related Mortgage Loans then in
        foreclosure or bankruptcy, endorse Monthly Payments to the Purchaser with
        the
        particulars of the payment such as the account number, dollar amount, date
        received and any special Mortgagor application instructions and the Interim
        Servicer shall comply with the foregoing requirements with respect to all
        Monthly Payments received by the it after the related Transfer
        Date.

       

      (g)  Misapplied
        Payments.
        Misapplied payments shall be processed as follows:

       

      1.  All
        parties shall cooperate in correcting misapplication errors;

       

      2.  The
        party
        receiving notice of a misapplied payment occurring prior to the related Transfer
        Date and discovered after the related Transfer Date shall immediately notify
        the
        other party;

       

      3.  If
        a
        misapplied payment which occurred prior to the related Transfer Date cannot
        be
        identified and said misapplied payment has resulted in a shortage in a Custodial
        Account, the Interim Servicer shall be liable for the amount of such shortage.
        The Seller shall reimburse the Purchaser for the amount of such shortage
        within
        thirty (30) days after receipt of written demand therefor from the
        Purchaser;

       

      4.  If
        a
        misapplied payment which occurred prior to the related Transfer Date has
        created
        an improper Purchase Price as the result of an inaccurate Actual Principal
        Balance, the party with notice of such misapplied payment shall promptly
        inform
        the other party and a wire transfer or a check shall be issued to the party
        shorted by the improper payment application within five (5) Business Days
        after
        notice thereof by the other party; and

       

      5.  Any
        check
        issued or wire transfer under the provisions of this Section
        8(h)
        shall be
        accompanied by a statement indicating the corresponding Seller and/or the
        Purchaser Mortgage Loan identification number and an explanation of the
        allocation of any such payments.

       

      (h)  Books
        and Records.
        On the
        related Transfer Date, the books, records and accounts of the Seller with
        respect to the related Mortgage Loans shall be in accordance with all Accepted
        Servicing Practices.

       

      (i)  Reconciliation.
        The
        Seller shall on or before the related Transfer Date, reconcile principal
        balances and make any monetary adjustments necessary to accurately and correctly
        reconcile all servicing activities with respect to such Mortgage Loan, including
        all payments received and all advances made relating to such Mortgage Loan.
        Any
        such monetary adjustments will be transferred between the Seller and the
        Purchaser as appropriate.

       

      (j)  IRS
        Forms.
        The
        Seller shall file all IRS Forms 1099, 1099A, 1098 or 1041 and K-1 which are
        required to be filed on or before the related Transfer Date in relation to
        the
        servicing and ownership of the related Mortgage Loans. The Seller shall provide
        copies of such forms to the Purchaser upon request and shall reimburse the
        Purchaser for any costs or penalties incurred by the Purchaser due to the
        Seller’s failure to comply with this paragraph.

       

      SECTION
        9.  Representations,
        Warranties and Covenants of the Seller; Remedies for Breach.

       

      Subsection
        9.01  Representations
        and Warranties Regarding the Seller.

       

      The
        Seller represents, warrants and covenants to the Purchaser, its successors
        and
        assigns and the Successor Servicer that as of the date hereof and as of each
        Closing Date:

       

      (a)  Due
        Organization and Authority.
        The
        Seller is duly organized and validly exists under the laws of the state of
        Indiana and has, including where appropriate through subsidiaries, all licenses
        necessary to carry on its business as now being conducted and is licensed,
        qualified and in good standing, including where appropriate through
        subsidiaries, in each state wherein it owns or leases any material properties
        or
        where a Mortgaged Property is located, if the laws of such state require
        licensing or qualification in order to conduct business of the type conducted
        by
        the Seller, and in any event the Seller is in compliance with the laws of
        any
        such state to the extent necessary to ensure the enforceability of the related
        Mortgage Loan in accordance with the terms of this Agreement; the Seller
        has the
        full power, authority and legal right to hold, transfer and convey the Mortgage
        Loans and to execute and deliver this Agreement and to perform its obligations
        hereunder; the execution, delivery and performance of this Agreement (including
        all instruments of transfer to be delivered pursuant to this Agreement) by
        the
        Seller and the consummation of the transactions contemplated hereby have
        been
        duly and validly authorized; this Agreement and all agreements contemplated
        hereby have been duly executed and delivered and constitute the valid, legal,
        binding and enforceable obligations of the Seller, regardless of whether
        such
        enforcement is sought in a proceeding in equity or at law; and all requisite
        corporate action has been taken by the Seller to make this Agreement and
        all
        agreements contemplated hereby valid and binding upon the Seller in accordance
        with their terms;

       

      (b)  Ordinary
        Course of Business.
        The
        consummation of the transactions contemplated by this Agreement are in the
        ordinary course of business of the Seller, and the transfer, assignment and
        conveyance of the Mortgage Notes and the Mortgages by the Seller pursuant
        to
        this Agreement are not subject to the bulk transfer or any similar statutory
        provisions in effect in any applicable jurisdiction;

       

      (c)  No
        Conflicts.
        Neither
        the execution and delivery of this Agreement, the acquisition or origination
        of
        the Mortgage Loans by the Seller, the sale of the Mortgage Loans to the
        Purchaser, the consummation of the transactions contemplated hereby, nor
        the
        fulfillment of or compliance with the terms and conditions of this Agreement,
        will conflict with or result in a breach of any of the terms, conditions
        or
        provisions of the Seller’s charter or by-laws or other organizational documents
        or any legal restriction or any agreement or instrument to which the Seller
        is
        now a party or by which it is bound, or constitute a default or result in
        an
        acceleration under any of the foregoing, or result in the violation of any
        law,
        rule, regulation, order, judgment or decree to which the Seller or its property
        is subject, or result in the creation or imposition of any lien, charge or
        encumbrance that would have an adverse effect upon any of its properties
        pursuant to the terms of any mortgage, contract, deed of trust or other
        instrument, or impair the ability of the Purchaser to realize on the Mortgage
        Loans, impair the value of the Mortgage Loans, or impair the ability of the
        Purchaser to realize the full amount of any insurance benefits accruing pursuant
        to this Agreement;

       

      (d)  Ability
        To Perform; Solvency.
        The
        Seller does not believe, nor does it have any reason or cause to believe,
        that
        it cannot perform each and every covenant contained in this Agreement. The
        Seller is solvent and the sale of the Mortgage Loans will not cause the Seller
        to become insolvent. The sale of the Mortgage Loans is not undertaken with
        the
        intent to hinder, delay or defraud any of Seller’s creditors;

       

      (e)  No
        Litigation Pending.
        There
        is no action, suit, proceeding or investigation pending or threatened against
        the Seller, before any court, administrative agency or other tribunal asserting
        the invalidity of this Agreement, seeking to prevent the consummation of
        any of
        the transactions contemplated by this Agreement or which except as previously
        disclosed in writing to Purchaser in the related Purchase Price and Terms
        Agreement, either in any one instance or in the aggregate, may result in
        any
        material adverse change in the business, operations, financial condition,
        properties or assets of the Seller, or in any material impairment of the
        right
        or ability of the Seller to carry on its business substantially as now
        conducted, or in any material liability on the part of the Seller, or which
        would draw into question the validity of this Agreement or the Mortgage Loans
        or
        of any action taken or to be taken in connection with the obligations of
        the
        Seller contemplated herein, or which would be likely to impair materially
        the
        ability of the Seller to perform under the terms of this Agreement. There
        is no
        action, suit, proceeding or investigation pending against the Seller with
        respect to the Mortgage Loans relating to fraud, predatory lending, or except
        as
        previously disclosed in writing to Purchaser in the related Purchase Price
        and
        Terms Agreement, servicing or closing practices;

       

      (f)  No
        Consent Required.
        No
        consent, approval, authorization or order of, or registration or filing with,
        or
        notice to any court or governmental agency or body including HUD, the FHA
        or the
        VA is required for the execution, delivery and performance by the Seller
        of or
        compliance by the Seller with this Agreement or the Mortgage Loans, the delivery
        of a portion of the Mortgage Files to the Custodian or the sale of the Mortgage
        Loans or the consummation of the transactions contemplated by this Agreement,
        or
        if required, such approval has been obtained prior to the related Closing
        Date;

       

      (g)  Selection
        Process.
        The
        Mortgage Loans were selected from among the outstanding second lien mortgage
        loans of the same type in the Seller’s portfolio on the related Closing Date and
        such selection was not made in a manner so as to affect adversely the interests
        of the Purchaser, except that this representation shall not apply to any
        particular Mortgage Loan for which Purchaser has agreed to the inclusion
        of, or
        exclusion from, a Mortgage Loan Package, or with respect to the Purchaser’s
        criteria for purchasing the Mortgage Loans.

       

      (h)  Delivery
        to the Custodian.
        The
        Mortgage Note, the Mortgage, the Assignment of Mortgage and any other documents
        required to be delivered with respect to each Mortgage Loan pursuant to the
        Custodial Agreement, and any other documents required to be delivered with
        respect to each Mortgage Loan pursuant to Subsection
        6.03
        hereof,
        shall be delivered to the Custodian. With respect to each Mortgage Loan,
        the
        Seller will be in possession of a complete Mortgage File in compliance with
        Exhibit A
        hereto,
        except for such documents as will be delivered to the Custodian;

       

      (i)  Mortgage
        Loan Characteristics.
        The
        characteristics of the Mortgage Loans are as set forth on the description
        of the
        pool characteristics for the Mortgage Loans delivered pursuant to Section 11
        on the
        related Closing Date in the form attached as Exhibit 2
        to the
        Assignment and Conveyance hereto;

       

      (j)  No
        Untrue Information.
        Neither
        any representation of Seller contained in this Agreement nor any information,
        statement, tape, diskette, report, form, or other document furnished or to
        be
        furnished pursuant to this Agreement or any Reconstitution Agreement or in
        connection with the transactions contemplated hereby (including any
        Securitization Transaction, Whole Loan Transfer) contains or will contain
        any
        untrue statement of material fact or omits or will omit to state a material
        fact
        necessary to make the statements contained herein or therein not
        misleading;

       

      (k)  Financial
        Statements.
        The
        Seller has delivered to the Purchaser consolidated financial statements as
        to
        its last two (2) complete fiscal years and any later quarter ended more than
        sixty (60) days prior to the execution of this Agreement. All such financial
        statements fairly present the pertinent results of operations and changes
        in
        financial position for each of such periods and the financial position at
        the
        end of each such period of the Seller and its subsidiaries and have been
        prepared in accordance with generally accepted accounting principles
        consistently applied throughout the periods involved, except as set forth
        in the
        notes thereto and subject as to any quarterly statements to normal year end
        adjustments. Except as disclosed to Purchaser in the related Purchase Price
        and
        Terms Agreement, there has been no change in the business, operations, financial
        condition, properties or assets of the Seller since the date of the Seller’s
        financial statements that would have a material adverse effect on its ability
        to
        perform its obligations under this Agreement. The Seller has completed any
        forms
        requested by the Purchaser in a timely manner and in accordance with the
        provided instructions;

       

      (l)  Reserved;

       

      (m)  No
        Brokers.
        The
        Seller has not dealt with any broker, investment banker, agent or other person
        that may be entitled to any commission or compensation in connection with
        the
        sale of the Mortgage Loans;

       

      (n)  Sale
        Treatment.
        The
        Seller intends to reflect the transfer of the Mortgage Loans as a sale on
        the
        books and records of the Seller and the Seller has determined that the
        disposition of the Mortgage Loans pursuant to this Agreement will be afforded
        sale treatment for tax and accounting purposes;

       

      (o)  Owner
        of Record.
        Except
        for a MERS Designated Mortgage Loan: (i) the Seller is the owner of record
        of
        each Mortgage and the indebtedness evidenced by each Mortgage Note, except
        for
        any Assignments of Mortgage which have been sent for recording, and (ii)
        upon
        recordation the Seller will be the owner of record of each Mortgage and the
        indebtedness evidenced by each Mortgage Note. Upon the sale of the Mortgage
        Loans to the Purchaser, the Seller will retain the Mortgage Files with respect
        thereto in trust only for the purpose of servicing and supervising the servicing
        of each Mortgage Loan;

       

      (p)  Reasonable
        Purchase Price.
        The
        Seller deems the consideration received upon the sale of the Mortgage Loans
        under this Agreement to be fair consideration and reasonably equivalent value
        for the Mortgage Loans;

       

      (q)  Seller’s
        Origination.
        The
        Seller’s decision to originate any mortgage loan or to deny any mortgage loan
        application is an independent decision based upon Seller’s underwriting
        guidelines, and is in no way made as a result of Purchaser’s decision to
        purchase, or not to purchase, or the price Purchaser may offer to pay for,
        any
        such mortgage loan, if originated; 

       

      (r)  Reserved;

       

      (s)  MERS
        Designations.
        With
        respect to each MERS Designated Mortgage Loan, on the related Closing Date,
        the
        Seller has initiated the process of designating as the Investor on
        the
        MERS® System the party designated by the Purchaser. With respect to each MERS
        Designated Mortgage Loan, no Person is listed as Interim Funder on the MERS®
System; and

       

      (t)  Insured
        Depository Institution Representations.
        The
        Seller is an “insured depository institution” as that term is defined in Section
        1813(c)(2) of Title 12 of the United States Code, as amended, and accordingly,
        the Seller makes the following additional representations and
        warranties:

       

      (i)  This
        Agreement between the Purchaser and the Seller conforms to all applicable
        statutory and regulatory requirements; and

       

      (ii)  This
        Agreement is (1) executed contemporaneously with the agreement reached by
        the
        Purchaser and the Seller, (2) approved by a specific corporate or banking
        association resolution by the Seller’s board of directors, which approval shall
        be reflected in the minutes of said board, and (3) an official record of
        the
        Seller. A copy of such resolution, certified by a vice president or higher
        officer of the Seller has been provided to the Purchaser.

       

      (u)  The
        Seller has complied with all applicable anti-money laundering laws and
        regulations, including without limitation the USA PATRIOT Act of 2001
        (collectively, the “Anti-Money
        Laundering Laws”);
        the
        Seller has established an anti-money laundering compliance program as required
        by the Anti-Money Laundering Laws, has conducted the requisite due diligence
        in
        connection with the origination of each Mortgage Loan for purposes of the
        Anti-Money Laundering Laws, including with respect to the legitimacy of the
        applicable Mortgagor and the origin of the assets used by the said Mortgagor
        to
        purchase the property in question, and maintains, and will maintain, sufficient
        information to identify the applicable Mortgagor for purposes of the Anti-Money
        Laundering Laws.

       

      Subsection
        9.02  Representations
        and Warranties Regarding Individual Mortgage Loans.

       

      The
        Seller hereby represents and warrants to the Purchaser, its successors and
        assigns and the Successor Servicer that, as to each Mortgage Loan, as of
        the
        related Closing Date for such Mortgage Loan:

       

      (a)  Mortgage
        Loans as Described.
        The
        information set forth in the related Mortgage Loan Schedule is complete,
        true
        and correct as of the related Cut-off Date;

       

      (b)  Payments
        Current.
        Except
        as set forth in the related Purchase Price and Terms Agreement, all payments
        required to be made up to the related Closing Date for the Mortgage Loan
        under
        the terms of the Mortgage Note, other than payments for which the related
        due
        date was not thirty (30) or more days prior to the related Closing Date,
        have
        been made and credited. Except as set forth in the related Purchase Price
        and
        Terms Agreement, no Mortgage Loan has been delinquent for thirty (30) or
        more
        days at any time since the origination of the Mortgage Loan. The first Monthly
        Payment shall be made with respect to the Mortgage Loan on its Due Date or
        within the grace period, all in accordance with the terms of the related
        Mortgage Note;

       

      (c)  No
        Outstanding Charges.
        There
        are no defaults in complying with the terms of the Mortgage, and to the best
        of
        Seller's knowledge, and except for Permitted Liens all taxes, governmental
        assessments, insurance premiums, water, sewer and municipal charges, leasehold
        payments or ground rents which previously became due and owing have been
        paid.
        The Seller has not advanced funds, or induced, solicited or knowingly received
        any advance of funds by a party other than the Mortgagor, directly or
        indirectly, for the payment of any amount required under the Mortgage Loan,
        except for interest accruing from the date of the Mortgage Note or date of
        disbursement of the Mortgage Loan proceeds, whichever is earlier, to the
        day
        which precedes by one (1) month the Due Date of the first installment of
        principal and interest;

       

      (d)  Original
        Terms Unmodified.
        The
        terms of the Mortgage Note and Mortgage have not been impaired, waived, altered
        or modified in any respect, from the date of origination except by a written
        instrument which has been recorded, if necessary to protect the interests
        of the
        Purchaser, and which has been delivered to the Custodian or to such other
        Person
        as the Purchaser shall designate in writing, and the terms of which are
        reflected in the related Mortgage Loan Schedule. No Mortgage Loan has been
        modified so as to restructure the payment obligations or re-age the Mortgage
        Loan. The substance of any such waiver, alteration or modification has been
        approved by the title insurer, if any, to the extent required by the policy,
        and
        its terms are reflected on the related Mortgage Loan Schedule, if applicable.
        No
        Mortgagor has been released, in whole or in part, except in connection with
        an
        assumption agreement, approved by the issuer of the title insurer, to the
        extent
        required by the policy, and which assumption agreement is part of the Mortgage
        Loan File delivered to the Custodian or to such other Person as the Purchaser
        shall designate in writing and the terms of which are reflected in the related
        Mortgage Loan Schedule;

       

      (e)  No
        Defenses.
        To the
        best of Seller's knowledge, the Mortgage Loan is not subject to any right
        of
        rescission, set-off, counterclaim or defense, including without limitation
        the
        defense of usury, nor will the operation of any of the terms of the Mortgage
        Note or the Mortgage, or the exercise of any right thereunder, render either
        the
        Mortgage Note or the Mortgage unenforceable, in whole or in part, or subject
        to
        any right of rescission, set-off, counterclaim or defense, including without
        limitation the defense of usury, and no such right of rescission, set-off,
        counterclaim or defense has been asserted with respect thereto, and to the
        best
        of Seller’s knowledge, no Mortgagor was a debtor in any state or federal
        bankruptcy or insolvency proceeding at the time the Mortgage Loan was
        originated;

       

      (f)  Hazard
        Insurance.
        Pursuant to the terms of the Mortgage, all buildings or other improvements
        upon
        the Mortgaged Property are insured by a generally acceptable insurer against
        loss by fire, hazards of extended coverage and such other hazards as are
        industry standard, as well as all additional requirements set forth in
Section
        2.10
        of the
        Interim Servicing Agreement. If
        required by the National Flood Insurance Act of 1968, as amended, each Mortgage
        Loan is covered by a flood insurance policy meeting the requirements of the
        current guidelines of the Federal Insurance Administration, which policy
        conforms to industry standards, as well as all additional requirements set
        forth
        in Section
        2.10
        of the
        Interim Servicing Agreement. All individual insurance policies contain a
        standard mortgagee clause naming the Seller and its successors and assigns
        as
        mortgagee, and all premiums thereon have been paid. The Mortgage obligates
        the
        Mortgagor thereunder to maintain the hazard insurance policy at the Mortgagor’s
        cost and expense, and on the Mortgagor’s failure to do so, authorizes the holder
        of the Mortgage to obtain and maintain such insurance at such Mortgagor’s cost
        and expense, and to seek reimbursement therefor from the Mortgagor. Where
        required by state law or regulation, the Mortgagor has been given an opportunity
        to choose the carrier of the required hazard insurance unless the policy
        is a
“master” or “blanket” hazard insurance policy covering a condominium, or any
        hazard insurance policy covering the common facilities of a planned unit
        development;

       

      (g)  Compliance
        with Applicable Laws.
        Any and
        all requirements of any federal, state or local law including, without
        limitation, usury, truth-in-lending, real estate settlement procedures, consumer
        credit protection, predatory, abusive and fair lending laws, equal credit
        opportunity and disclosure laws or unfair and deceptive practices laws
        applicable to the Mortgage Loan including, without limitation, any provisions
        relating to prepayment penalties, have been complied with, the consummation
        of
        the transactions contemplated hereby will not involve the violation of any
        such
        laws or regulations, and the Seller shall maintain in its possession, available
        for the Purchaser’s inspection, and shall deliver to the Purchaser upon demand,
        evidence of compliance with all such requirements. This representation and
        warranty is a Deemed Material Breach Representation;

       

      (h)  No
        Satisfaction of Mortgage.
        The
        Mortgage has not been satisfied, canceled, subordinated or rescinded, in
        whole
        or in part, and the Mortgaged Property has not been released from the lien
        of
        the Mortgage, in whole or in part, nor has any instrument been executed that
        would effect any such release, cancellation, subordination or rescission.
        The
        Seller has not waived the performance by the Mortgagor of any action, if
        the
        Mortgagor’s failure to perform such action would cause the Mortgage Loan to be
        in default, nor has the Seller waived any default resulting from any action
        or
        inaction by the Mortgagor;

       

      (i)  Location
        and Type of Mortgaged Property.
        The
        Mortgaged Property is located in the state identified in the related Mortgage
        Loan Schedule and consists of real property with a detached single family
        residence erected thereon, or a two- to four-family dwelling, or an individual
        condominium unit in a low-rise condominium project, or an individual unit
        in a
        planned unit development or a de minimis planned unit development which is
        in
        each case four stories or less, provided, however, that no Mortgage Loan
        is
        secured by a single parcel of real property with a cooperative housing
        corporation erected thereon, a log home or a mobile home erected thereon,
        by a
        mixed-use property or a property in excess of 10 acres. As of the date of
        origination, no portion of the Mortgaged Property was used for commercial
        purposes, and since the date of origination, to the best knowledge of Seller,
        no
        portion of the Mortgaged Property has been used for commercial purposes;
        provided, that Mortgaged Properties which contain a home office shall not
        be
        considered as being used for commercial purposes as long as the Mortgaged
        Property has not been altered for commercial purposes and is not storing
        any
        chemicals or raw materials other than those commonly used for homeowner repair,
        maintenance and/or household purposes. With respect to any Mortgage Loan
        secured
        by a Mortgaged Property improved by manufactured housing, (i) the related
        manufactured housing unit is permanently affixed to the land, (ii) the
        related manufactured housing unit and the related land are subject to a Mortgage
        properly filed in the appropriate public recording office and naming the
        Seller
        as mortgagee, (iii) the related Mortgaged Property is not located in the
        state
        of New Jersey and (iv) as of the origination date of the related Mortgage
        Loan,
        the related manufactured housing unit that secures such Mortgage Loan either:
        (x) was the principal residence of the Mortgagor or (y) was classified as
        real
        property under applicable state law. This representation and warranty is
        a
        Deemed Material Breach Representation;

       

      (j)  Valid
        Second Lien.
        Subject
        only to Permitted Liens, the Mortgage is a valid, subsisting, enforceable
        and
        perfected second lien on the Mortgaged Property, including all buildings
        and
        improvements on the Mortgaged Property and all installations and mechanical,
        electrical, plumbing, heating and air conditioning systems located in or
        annexed
        to such buildings, and all additions, alterations and replacements made at
        any
        time with respect to the foregoing. Any security agreement, chattel mortgage
        or
        equivalent document related to and delivered in connection with the Mortgage
        Loan establishes and creates a valid, subsisting, enforceable and perfected
        second lien and second priority security interest on the property described
        therein and Seller has full right to sell and assign the same to
        Purchaser.

       

      (k)  Validity
        of Mortgage Documents.
        To the
        best knowledge of Seller, the Mortgage Note and the Mortgage and any other
        agreement executed and delivered by a Mortgagor in connection with a Mortgage
        Loan are genuine, and each is the legal, valid and binding obligation of
        the
        maker thereof enforceable in accordance with its terms (including, without
        limitation, any provisions therein relating to Prepayment Charges)
        subject
        to
        bankruptcy, insolvency, receivership, conservatorship, reorganization,
        arrangement, moratorium and other laws of general applicability relating
        to or
        affecting creditor’s rights.
        To the
        best knowledge of Seller, all parties to the Mortgage Note, the Mortgage
        and any
        other such related agreement had legal capacity to enter into the Mortgage
        Loan
        and to execute and deliver the Mortgage Note, the Mortgage and any such
        agreement, and the Mortgage Note, the Mortgage and any other such related
        agreement have been duly and properly executed by other such related parties.
        To
        the best knowledge of Seller, no fraud, error, omission, misrepresentation,
        negligence or similar occurrence with respect to a Mortgage Loan has taken
        place
        on the part of any Person, including without limitation, the Mortgagor, any
        appraiser, any builder or developer, or any other party involved in the
        origination or servicing of the Mortgage Loan;

       

      (l)  Full
        Disbursement of Proceeds.
        The
        Mortgage Loan has been closed and the proceeds of the Mortgage Loan have
        been
        fully disbursed and there is no requirement for future advances thereunder,
        and
        any and all requirements as to completion of any on-site or off-site improvement
        have been complied with. All costs, fees and expenses incurred in making
        or
        closing the Mortgage Loan and the recording of the Mortgage were paid, and
        the
        Mortgagor is not entitled to any refund of any amounts paid or due under
        the
        Mortgage Note or Mortgage;

       

      (m)  Ownership.
        The
        Seller is the sole owner of record and holder of the Mortgage Loan and the
        indebtedness evidenced by each Mortgage Note. The Mortgage Loan is not assigned
        or pledged, and the Seller has good, indefeasible and marketable title thereto,
        and has full right to transfer and sell the Mortgage Loan to the Purchaser
        free
        and clear of any encumbrance, equity, lien, pledge, charge, claim or security
        interest, and has full right and authority subject to no interest or
        participation of, or agreement with, any other party, to sell and assign
        each
        Mortgage Loan pursuant to this Agreement and following the sale of each Mortgage
        Loan, the Purchaser will own such Mortgage Loan free and clear of any
        encumbrance, equity, participation interest, lien, pledge, charge, claim
        or
        security interest. The Seller intends to relinquish all rights to possess,
        control and monitor the Mortgage Loan except for servicing the Mortgage Loan
        as
        set forth in the Interim Servicing Agreement. After the related Closing Date,
        the Seller will have no right to modify or alter the terms of the sale of
        the
        Mortgage Loan and the Seller will have no obligation or right to repurchase
        the
        Mortgage Loan or substitute another Mortgage Loan, except as explicitly provided
        in this Agreement;

       

      (n)  Doing
        Business.
        To the
        best knowledge of Seller, all parties which have had any interest in the
        Mortgage Loan, whether as mortgagee, assignee, pledgee or otherwise, are
        (or,
        during the period in which they held and disposed of such interest, were)
        (1) in compliance with any and all applicable licensing requirements of the
        laws of the state wherein the Mortgaged Property is located, and (2) either
        (i) organized under the laws of such state, or (ii) qualified to do
        business in such state, or (iii) a federal savings and loan association, a
        savings bank or a national bank having a principal office in such state,
        or
        (iv) not doing business in such state;

       

      (o)  CLTV,
        LTV.
        No
        Mortgage Loan that is a Second Lien Mortgage Loan has a CLTV in excess of
        100%.
        No Mortgage Loan has an LTV greater than 100%;

       

      (p)  Title
        Insurance.
        Unless
        otherwise set forth in the related Purchase Price and Terms Agreement, the
        Mortgage Loan is covered by an ALTA lender’s title insurance policy, or with
        respect to any Mortgage Loan for which the related Mortgaged Property is
        located
        in California a CLTA lender’s title insurance policy, or other generally
        acceptable form of policy or insurance acceptable to the industry and each
        such
        title insurance policy is issued by a title insurer qualified to do business
        in
        the jurisdiction where the Mortgaged Property is located, insuring the Seller,
        its successors and assigns as to the second priority lien (with respect to
        the
        Second Lien Mortgage Loans) of the Mortgage in the original principal amount
        of
        the Mortgage Loan, subject only to Permitted Liens. Where required by state
        law
        or regulation, the Mortgagor has been given the opportunity to choose the
        carrier of the required mortgage title insurance. Additionally, such lender’s
        title insurance policy affirmatively insures ingress and egress, and against
        encroachments by or upon the Mortgaged Property or any interest therein.
        Any
        title policy does not contain any special exceptions (other than the standard
        exclusions) for zoning and uses and has been marked to delete the standard
        survey exceptions or to replace the standard survey exception with a specific
        survey reading. The Seller, its successors and assigns, are the sole insureds
        of
        such lender’s title insurance policy, and such lender’s title insurance policy
        is valid and remains in full force and effect and will be in force and effect
        upon the consummation of the transactions contemplated by this Agreement.
        No
        claims have been made under such lender’s title insurance policy, and no prior
        holder of the related Mortgage, including the Seller, has done, by act or
        omission, anything which would impair the coverage of such lender’s title
        insurance policy, including without limitation, no unlawful fee, commission,
        kickback or other unlawful compensation or value of any kind has been or
        will be
        received, retained or realized by any attorney, firm or other person or entity,
        and no such unlawful items have been received, retained or realized by the
        Seller;

       

      (q)  No
        Defaults.
        Other
        than payments due but not yet thirty (30) days or more delinquent, or except
        as
        disclosed, there is no default, breach, violation or event which would permit
        acceleration existing under the Mortgage or the Mortgage Note and to the
        best
        knowledge of Seller, no event which, with the passage of time or with notice
        and
        the expiration of any grace or cure period, would constitute a default, breach,
        violation or event which would permit acceleration, and neither the Seller
        nor
        any of its affiliates nor any of their respective predecessors, have waived
        any
        default, breach, violation or event which would permit acceleration. With
        respect to each Second Lien Mortgage Loan, (i) the prior mortgage is in full
        force and effect, (ii) to the best of Seller's knowledge, there is no default,
        breach, violation or event of acceleration existing under such prior mortgage
        or
        the related mortgage note, (iii) as of the related Closing Date, to the best
        of
        Seller's knowledge no event which, with the passage of time or with notice
        and
        the expiration of any grace or cure period, would constitute a default, breach,
        violation or event of acceleration thereunder, and either (A) the prior mortgage
        contains a provision which allows or (B) applicable law requires, the mortgagee
        under the Second Lien Mortgage Loan to receive notice of, and affords such
        mortgagee an opportunity to cure any default by payment in full or otherwise
        under the prior mortgage;

       

      (r)  No
        Mechanics’ Liens.
        To the
        best knowledge of Seller, other than Permitted Liens, there are no mechanics’ or
        similar liens or claims which have been filed for work, labor or material
        (and
        no rights are outstanding that under law could give rise to such liens)
        affecting the related Mortgaged Property which are or may be liens prior
        to, or
        equal or coordinate with, the lien of the related Mortgage;

       

      (s)  Location
        of Improvements; No Encroachments.
        To the
        best knowledge of Seller, all improvements which were considered in determining
        the Appraised Value of the Mortgaged Property lay wholly within the boundaries
        and building restriction lines of the Mortgaged Property, and no improvements
        on
        adjoining properties encroach upon the Mortgaged Property except those which
        are
        insured against by the title insurance policy referred to in clause (o) above.
        To the best knowledge of Seller, no improvement located on or being part
        of the
        Mortgaged Property is in violation of any applicable zoning law or
        regulation;

       

      (t)  Origination;
        Payment Terms.
        The
        Mortgage Loan was originated by a mortgagee approved by the Secretary of
        Housing
        and Urban Development pursuant to Sections 203 and 211 of the National
        Housing Act, a savings and loan association, a savings bank, a commercial
        bank,
        credit union, insurance company or other similar institution which is supervised
        and examined by a federal or state authority. To the best knowledge of Seller,
        the documents, instruments and agreements submitted for loan underwriting
        were
        not falsified and contain no untrue statement of material fact or omit to
        state
        a material fact required to be stated therein or necessary to make the
        information and statements therein not misleading. No Mortgage Loan contains
        terms or provisions which would result in negative amortization. Principal
        payments on the Mortgage Loan commenced no more than sixty (60) days after
        funds
        were disbursed in connection with the Mortgage Loan. The Mortgage Interest
        Rate
        as well as the Lifetime Rate Cap and the Periodic Cap, are as set forth on
        the
        related Mortgage Loan Schedule. The Mortgage Note is payable in equal monthly
        installments of principal and interest, which installments of interest, with
        respect to Adjustable Rate Mortgage Loans, are subject to change due to the
        adjustments to the Mortgage Interest Rate on each Interest Rate Adjustment
        Date,
        with interest calculated and payable in arrears, sufficient to amortize the
        Mortgage Loan fully by the stated maturity date, over an original term of
        not
        more than thirty (30) years from commencement of amortization. Except as
        otherwise provided on the related Mortgage Loan Schedule, the Mortgage Loan
        is
        payable on the first day of each month. There are no Convertible Mortgage
        Loans.
        Except as otherwise provided in the related Mortgage Loan Schedule, no Mortgage
        Loan is a balloon mortgage loan that has an original stated maturity of less
        than seven (7) years;

       

      (u)  Customary
        Provisions.
        The
        Mortgage Note and the related Mortgage contains customary and enforceable
        provisions such as to render the rights and remedies of the holder thereof
        adequate for the realization against the Mortgaged Property of the benefits
        of
        the security provided thereby, including, (i) in the case of a Mortgage
        designated as a deed of trust, by trustee’s sale, and (ii) otherwise by
        judicial foreclosure. From origination to the related Closing Date, the
        Mortgaged Property has not been subject to any bankruptcy proceeding or
        foreclosure proceeding and the Mortgagor has not filed for protection under
        applicable bankruptcy laws. To the best of Seller’s knowledge, nothing in the
        mortgage loan documents would prevent the holder of the Mortgage Loan from
        delivering good and merchantable title to the Mortgaged Property. There is
        no
        homestead or other exemption available to a Mortgagor which would interfere
        with
        the right to sell the Mortgaged Property at a trustee’s sale or the right to
        foreclose the Mortgage, subject to applicable federal and state laws and
        judicial precedent with respect to bankruptcy and right of redemption or
        similar
        law; 

       

      (v)  Conformance
        with Underwriting Guidelines.
        The
        Mortgage Loan was underwritten in accordance with the applicable Underwriting
        Guidelines (a copy of which is attached to the related Purchase Price and
        Terms
        Agreement). The Mortgage Note and Mortgage are on forms acceptable in the
        secondary mortgage market and the Seller has not made any representations
        to a
        Mortgagor that are inconsistent with the mortgage instruments used;

       

      (w)  Occupancy
        of the Mortgaged Property.
        To the
        best knowledge of Seller, the Mortgaged Property is lawfully occupied under
        applicable law. To the best knowledge of Seller, all inspections, licenses
        and
        certificates required to be made or issued with respect to all occupied portions
        of the Mortgaged Property and, with respect to the use and occupancy of the
        same, including but not limited to certificates of occupancy and fire
        underwriting certificates, have been made or obtained from the appropriate
        authorities;

       

      (x)  No
        Additional Collateral.
        The
        Mortgage Note is not and has not been secured by any collateral except the
        lien
        of the corresponding Mortgage and the security interest of any applicable
        security agreement or chattel mortgage referred to in clause (j)
        above;

       

      (y)  Deeds
        of Trust.
        In the
        event the Mortgage constitutes a deed of trust, a trustee, authorized and
        duly
        qualified under applicable law to serve as such, has been properly designated
        and currently so serves and is named in the Mortgage, and no fees or expenses,
        except as may be required by local law, are or will become payable by the
        Purchaser to the trustee under the deed of trust, except in connection with
        a
        trustee’s sale after default by the Mortgagor;

       

      (z)  Acceptable
        Investment.
        The
        Seller has no knowledge of any circumstances or conditions with respect to
        the
        Mortgage, the Mortgaged Property, the Mortgagor, the Mortgage File or the
        Mortgagor’s credit standing that can reasonably be expected to cause investors
        to regard the Mortgage Loan as an unacceptable investment, cause the Mortgage
        Loan to become delinquent, or adversely affect the value or marketability
        of the
        Mortgage Loan;

       

      (aa)  Delivery
        of Mortgage Documents.
        The
        Mortgage Note, the Mortgage, the Assignment of Mortgage and any other documents
        constituting the Mortgage File for each Mortgage Loan have been delivered
        to the
        Custodian. The Seller is in possession of a complete, true and accurate Mortgage
        File in compliance with Exhibit A
        hereto,
        except for such documents the originals of which have been delivered to the
        Custodian;

       

      (bb)  Condominiums/Planned
        Unit Developments.
        If the
        Mortgaged Property is a condominium unit or a planned unit development (other
        than a de minimis planned unit development) such condominium or planned unit
        development project such Mortgage Loan was originated in accordance with,
        and
        the condominium or planned unit development project meets the Seller's
        eligibility requirements as set forth in the Seller’s Underwriting
        Guidelines;

       

      (cc)  Transfer
        of Mortgage Loans.
        The
        Assignment of Mortgage (except with respect to any Mortgage that has been
        recorded in the name of MERS or its designee), with respect to each Mortgage
        Loan is in recordable form and is acceptable for recording under the laws
        of the
        jurisdiction in which the Mortgaged Property is located. The transfer,
        assignment and conveyance of the Mortgage Notes and the Mortgages by the
        Seller
        are not subject to the bulk transfer or similar statutory provisions in effect
        in any applicable jurisdiction;

       

      (dd)  Due-On-Sale.
        With
        respect to each Mortgage Loan, the Mortgage contains an enforceable provision
        for the acceleration of the payment of the unpaid principal balance of the
        Mortgage Loan in the event that the Mortgaged Property is sold or transferred
        without the prior written consent of the mortgagee thereunder, and such
        provision is enforceable;

       

      (ee)  Assumability.
        None of
        the Mortgage Loans are, by their terms, assumable;

       

      (ff)  No
        Buydown Provisions; No Graduated Payments or Contingent
        Interests.
        The
        Mortgage Loan does not contain provisions pursuant to which Monthly Payments
        are
        paid or partially paid with funds deposited in any separate account established
        by the Seller, the Mortgagor, or anyone on behalf of the Mortgagor, or paid
        by
        any source other than the Mortgagor nor does it contain any other similar
        provisions which may constitute a “buydown” provision. The Mortgage Loan is not
        a graduated payment mortgage loan and the Mortgage Loan does not have a shared
        appreciation or other contingent interest feature;

       

      (gg)  Consolidation
        of Future Advances.
        Any
        future advances made to the Mortgagor prior to the related Cut-off Date have
        been consolidated with the outstanding principal amount secured by the Mortgage,
        and the secured principal amount, as consolidated, bears a single interest
        rate
        and single repayment term. The lien of the Mortgage securing the consolidated
        principal amount is expressly insured as having a second lien priority by
        a
        title insurance policy, an endorsement to the policy insuring the mortgagee’s
        consolidated interest or by other title evidence. The consolidated principal
        amount does not exceed the original principal amount of the Mortgage
        Loan;

       

      (hh)  Mortgaged
        Property Undamaged; No Condemnation Proceedings.
        To the
        best knowledge of Seller, there have not been any condemnation proceedings
        with
        respect to the Mortgaged Property, there is no proceeding pending or threatened
        for the total or partial condemnation of the Mortgaged Property and the Seller
        has no knowledge of any such proceedings in the future. To the best knowledge
        of
        the Seller, the Mortgaged Property is not subject to any material damage
        by
        waste, fire, earthquake or earth movement, windstorm, flood, hurricane, tornado
        or other casualty so as to affect adversely the value of the Mortgaged Property
        as security for the Mortgage Loan or the use for which the premises were
        intended and each Mortgaged Property is in good repair; 

       

      (ii)  Collection
        Practices; Interest Rate Adjustments.
        The
        origination, servicing and collection practices used by the Seller, and,
        to the
        best knowledge of Seller, any prior servicer with respect to the Mortgage
        Loan
        have been in all respects in compliance with Accepted Servicing Practices,
        applicable laws and regulations, and have been in all respects legal and
        proper
        and prudent in the mortgage origination and servicing business. All Mortgage
        Interest Rate adjustments have been made in strict compliance with state
        and
        federal law and the terms of the related Mortgage and Mortgage Note on the
        related Interest Rate Adjustment Date. The Seller executed and delivered
        any and
        all notices required under applicable law and the terms of the related Mortgage
        Note and Mortgage regarding the Mortgage Interest Rate and the Monthly Payment
        adjustments. Any interest required to be paid pursuant to state, federal
        and
        local law has been properly paid and credited;

       

      (jj)  [Reserved];

       

      (kk)  Other
        Insurance Policies; No Defense to Insurance Coverage.
        The
        Seller has caused or will cause to be performed any and all acts required
        to
        preserve the rights and remedies of the Purchaser in any insurance policies
        applicable to the Mortgage Loans including, without limitation, any necessary
        notifications of insurers, assignments of policies or interests therein,
        and
        establishments of coinsured, joint loss payee and mortgagee rights in favor
        of
        the Purchaser. To the best of Seller’s knowledge, no action has been taken or
        failed to be taken, no event has occurred and no state of facts exists or
        has
        existed on or prior to the related Closing Date (whether or not known to
        the
        Seller on or prior to such date) which has resulted or will result in an
        exclusion from, denial of, or defense to coverage under any applicable, special
        hazard insurance policy, bankruptcy bond or primary mortgage insurance
        (including, without limitation, any exclusions, denials or defenses which
        would
        limit or reduce the availability of the timely payment of the full amount
        of the
        loss otherwise due thereunder to the insured) whether arising out of actions,
        representations, errors, omissions, negligence, or fraud of the Seller, the
        related Mortgagor or any party involved in the application for such coverage,
        including the appraisal, plans and specifications and other exhibits or
        documents submitted therewith to the insurer under such insurance policy,
        or for
        any other reason under such coverage, but not including the failure of such
        insurer to pay by reason of such insurer’s breach of such insurance policy or
        such insurer’s financial inability to pay. In connection with the placement of
        any such insurance, no commission, fee, or other compensation has been or
        will
        be received by the Seller or by any officer, director, or employee of the
        Seller
        or any designee of the Seller or any corporation in which the Seller or any
        officer, director, or employee had a financial interest at the time of placement
        of such insurance; 

       

      (ll)  No
        Violation of Environmental Laws.
        To the
        best of Seller’s knowledge, the Mortgaged Property is free from any and all
        hazardous substances (as such terms are defined in the Comprehensive
        Environmental Response Compensation and Liability Act, the Resource Conservation
        and Recovery Act of 1976, or other federal, state or local environmental
        legislation) that could materially and adversely affect the value or
        marketability of the Mortgaged Property and there exists no violation of
        any
        local, state or federal environmental law, rule or regulation. There is no
        pending action or proceeding directly involving the Mortgaged Property in
        which
        compliance with any environmental law, rule or regulation is an issue; to
        the
        best of Seller’s knowledge, there is no violation of any environmental law, rule
        or regulation with respect to the Mortgage Property; and to the best of Seller’s
        knowledge, nothing further remains to be done to satisfy in full all
        requirements of each such law, rule or regulation constituting a prerequisite
        to
        use and enjoyment of said property; 

       

      (mm)  Servicemembers
        Civil Relief Act of 2003.
        Except
        as set forth in the related Purchase Price and Terms Agreement, the Mortgagor
        has not notified the Seller, and the Seller has no knowledge of any relief
        requested or allowed to the Mortgagor under the Servicemembers Civil Relief
        Act
        of 2003;

       

      (nn)  Appraisal.
        Any
        appraisal report with respect to the Mortgaged Property contained in the
        Mortgage File and which is not an AVM was made in accordance with the relevant
        provisions of Title XI of the Financial Institutions Reform, Recovery and
        Enforcement Act of 1989, as in effect on the date such Mortgage Loan was
        originated and was signed by a qualified appraiser, who met the requirements
        of
        the Seller’s Underwriting Guidelines and who, to the best of the Seller’s
        knowledge, had no interest, direct or indirect, in the Mortgaged Property
        or in
        any loan made on the security thereof, and whose compensation is not affected
        by
        the approval or disapproval of such application and who otherwise meets the
        requirements of the Seller’s Underwriting Guidelines;

       

      (oo)  Disclosure
        Materials.
        The
        Mortgagor has executed a statement to the effect that the Mortgagor has received
        all disclosure materials required by, and the Seller has complied with, all
        applicable law with respect to the making of the Mortgage Loans. The Seller
        shall maintain such statement signed by the Mortgagor in the Credit File;
        

       

      (pp)  Construction
        or Rehabilitation of Mortgaged Property.
        To the
        best knowledge of Seller, no Mortgage Loan was made in connection with the
        construction or rehabilitation of a Mortgaged Property or facilitating the
        trade-in or exchange of a Mortgaged Property;

       

      (qq)  Value
        of Mortgaged Property.
        The
        Seller has no knowledge of any circumstances existing that could be expected
        to
        adversely affect the value or the marketability of any Mortgaged Property
        or
        Mortgage Loan or to cause the Mortgage Loans to prepay during any period
        materially faster or slower than similar mortgage loans held by the Seller
        generally secured by properties in the same geographic area as the related
        Mortgaged Property, except for such circumstances affecting the mortgage
        industry as a whole that a reasonable investor would have knowledge
        of;

       

      (rr)  [Reserved];

       

      (ss)  Reserved;

       

      (tt)  [Reserved];

       

      (uu)  Credit
        Information.
        As to
        each consumer report (as defined in the Fair Credit Reporting Act, Public
        Law
        91-508) or other credit information furnished by the Seller to the Purchaser,
        that Seller has full right and authority and is not precluded by law or contract
        from furnishing such information to the Purchaser and the Purchaser is not
        precluded by the terms of the Mortgage Loan Documents from furnishing the
        same
        to any subsequent or prospective purchaser of such Mortgage. The Seller has
        in
        its capacity as servicer, for each Mortgage Loan, fully furnished, in accordance
        with the Fair Credit Reporting Act and its implementing regulations, accurate
        and complete information (e.g., favorable and unfavorable) on its borrower
        credit files to Equifax, Experian and Trans Union Credit Information Company
        (three of the credit repositories), on a monthly basis. Notwithstanding the
        previous sentence, in limited circumstances where borrower was subject to
        a
        hardship exemption as determined by the Seller (i.e. Hurricane Katrina related
        delinquencies or borrower was discharged in bankruptcy), Seller did not report
        such delinquencies to the credit repositories. This representation and warranty
        is a Deemed Material Breach Representation; 

       

      (vv)  Leaseholds.
        No
        Mortgage Loan is secured by a long-term residential lease;

       

      (ww)  Prepayment
        Penalty.
        The
        Mortgage Loan is subject to a Prepayment Penalty as provided in the related
        Mortgage Note except as set forth on the related Mortgage Loan Schedule.
        With
        respect to each Mortgage Loan that has a Prepayment Penalty feature, each
        such
        Prepayment Penalty is enforceable and will be enforced by the Seller or by
        the
        Interim Servicer under the terms set forth in the Interim Servicing Agreement,
        and each Prepayment Penalty is permitted pursuant to federal, state and local
        law. Each
        such
        Prepayment Penalty
        is
        in an
        amount not more than the maximum amount permitted under applicable law and
        unless otherwise stated in the Purchase Price and Terms Agreement, no such
        Prepayment Penalty may provide for a term in excess of three (3) years from
        the
        date of the Mortgage Note. With
        respect to any Mortgage Loan that contains a provision permitting imposition
        of
        a penalty upon a prepayment prior to maturity: (i) prior to the Mortgage
        Loan’s
        origination, the Mortgagor agreed to such premium in exchange for a monetary
        benefit, including but not limited to a rate or free reduction (ii) prior
        to the
        Mortgage Loan’s origination, the Mortgagor was offered the option of obtaining a
        mortgage loan that did not require payment of such a premium (iii) the
        Prepayment Penalty was adequately disclosed to the Mortgagor in the mortgage
        loan documents pursuant to applicable state, local and federal law and (iv)
        such
        Prepayment Penalty shall not be imposed in any instance where the Mortgage
        Loan
        is accelerated or paid off in connection with the workout of a delinquent
        mortgage or due to the Mortgagor’s default, notwithstanding that the terms of
        the Mortgage Note or state or federal law might permit the imposition of
        such
        penalty. This
        representation and warranty is a Deemed Material Breach
        Representation;

       

      (xx)  Predatory
        Lending Regulations.
        No
        Mortgage Loan is a High Cost Loan or Covered Loan, as applicable, and no
        Mortgage Loan originated on or after October 1, 2002 through March 6, 2003
        is
        governed by the Georgia Fair Lending Act. No Mortgage Loan is covered by
        the
        Home Ownership and Equity Protection Act of 1994 and no Mortgage Loan is
        in
        violation of any comparable federal, state or local law. No deceptive lending
        practices, including, without limitation, the extension of credit without
        regard
        to the ability of the Mortgagor to repay and the extension of credit which
        has
        no apparent benefit to the Mortgagor, were employed in the origination of
        the
        Mortgage Loan. This representation and warranty is a Deemed Material Breach
        Representation;
        

       

      (yy)  Single-premium
        Credit Life Insurance Policy.
        In
        connection with the origination of any Mortgage Loan, no proceeds from any
        Mortgage Loan were used to finance or acquire a single-premium credit life
        insurance policy. No Mortgagor was required to purchase any single-premium
        credit
        insurance
        policy (e.g., life,
        mortgage, disability, accident,
        unemployment,
        health
        or property insurance
        product)
        or debt
        cancellation agreement
        as a
        condition of obtaining the extension of credit. No Mortgagor obtained a prepaid
        single-premium
        credit insurance
        policy (e.g., life,
        mortgage, disability, accident,
        unemployment,
        health
        or property insurance
        policy)
        in
        connection with the origination of the
        Mortgage
        Loan; no proceeds from any Mortgage Loan were used to purchase single-premium
        credit insurance policies (e.g., life, mortgage, disability, accident,
        unemployment, health or property insurance product) or debt cancellation
        agreements as part of the origination of, or as a condition to closing,
        such
        Mortgage
        Loan. This representation and warranty is a Deemed Material Breach
        Representation;

       

      (zz)  Tax
        Service Contract; Flood Certification Contract.
        As
        specified in Seller’s Underwriting Guidelines, each Mortgage Loan is covered by
        a paid in full, life of loan, tax service contract and a paid in full, life
        of
        loan, flood certification contract and each of these contracts is assignable
        to
        the Purchaser;

       

      (aaa)  Qualified
        Mortgage.
        Unless
        otherwise specified in the Purchase Price and Terms Agreement, the Mortgage
        Loan
        is a “qualified mortgage” within the meaning of Section 860G(a)(3) of the
        Code;

       

      (bbb)  Regarding
        the Mortgagor.
        The
        Mortgagor is one or more natural persons and/or trustees for an Illinois
        land
        trust or a trustee under a “living trust” and such “living trust” is in
        compliance with the Seller’s Underwriting Guidelines;

       

      (ccc)  Recordation.
        Each
        original Mortgage was recorded and, except for those Mortgage Loans subject
        to
        the MERS identification system, all subsequent assignments of the original
        Mortgage (other than the assignment to the Purchaser) have been recorded
        in the
        appropriate jurisdictions wherein such recordation is necessary to perfect
        the
        lien thereof as against creditors of the Seller, or is in the process of
        being
        recorded;

       

      (ddd)  FICO
        Scores.
        Each
        Mortgagor has a non-zero FICO score. No Mortgage Loan has a Mortgagor with
        a
        FICO score of less than 620; 

       

      (eee)  Reserved;
        

       

      (fff)  Litigation.
        Except
        as previously disclosed to Purchaser in the related Purchase Price and Terms
        Agreement, the Mortgage Loan is not subject to any outstanding litigation
        for
        fraud, origination, predatory lending, servicing or closing practices, which,
        either in any one instance or in the aggregate, if determined adversely to
        the
        Mortgagor would adversely affect the collectability or enforceability of
        the
        Mortgage Loan or the Mortgaged Property;

       

      (ggg)  MERS
        Designations.
        With
        respect to each MERS Designated Mortgage Loan, the Seller has designated
        as the
        Investor on the MERS® System the party designated by the Purchaser and no Person
        is listed as Interim Funder on the MERS® System;

       

      (hhh)  Reserved;

       

      (iii)  Reserved;

       

      (jjj)  Origination
        Practices.
        To the
        best knowledge of the Seller, the Mortgagor was not encouraged or required
        to
        select a Mortgage Loan product offered by the Mortgage Loan’s originator which
        is a higher cost product designed for less creditworthy borrowers, unless
        at the
        time of the Mortgage Loan’s origination, such Mortgagor did not qualify taking
        into account such facts as, without limitation, the Mortgage Loan’s requirements
        and the Mortgagor’s credit history, income, assets and liabilities and
        debt-to-income ratios for a lower-cost credit product then offered by the
        Mortgage Loan’s originator or any affiliate of the Mortgage Loan’s originator.
        If, at the time of loan application, the Mortgagor may have qualified for
        a
        lower-cost credit product then offered by any mortgage lending affiliate
        of the
        Mortgage Loan’s originator, to the best knowledge of Seller, the Mortgage Loan’s
        originator referred the Mortgagor’s application to such affiliate for
        underwriting consideration. For a Mortgagor who seeks financing through a
        Mortgage Loan originator’s higher-priced subprime lending channel, to the best
        knowledge of Seller, the Mortgagor was directed towards or offered the Mortgage
        Loan originator’s standard mortgage line if the Mortgagor was able to qualify
        for one of the standard products. This representation and warranty is a Deemed
        Material Breach Representation; 

       

      (kkk)  Underwriting
        Methodology.
        The
        methodology used in underwriting the extension of credit for each Mortgage
        Loan
        does not rely on the extent of the Mortgagor’s equity in the collateral as the
        principal determining factor in approving such extension of credit. The
        methodology employed objective criteria that related such facts as, without
        limitation, the Mortgagor’s credit history, income, assets or liabilities, to
        the proposed mortgage payment and, based on such methodology, the Mortgage
        Loan’s originator made a reasonable determination that at the time of
        origination the Mortgagor had the ability to make timely payments on the
        Mortgage Loan. This representation and warranty is a Deemed Material Breach
        Representation;

       

      (lll)  Points
        and Fees.
        Except
        as otherwise provided in the related Purchase Price and Terms Agreement,
        no
        Mortgagor was charged “points and fees” (whether or not financed) in an amount
        greater than (i) $1,000, or (ii) 5% of the principal amount of such Mortgage
        Loan, whichever is greater. For purposes of this representation, such 5%
        limitation is calculated in accordance with Fannie Mae’s anti-predatory lending
        requirements as set forth in the Fannie Mae Guides and “points and fees” (x)
        include origination, underwriting, broker and finder fees and charges that
        the
        mortgagee imposed as a condition of making the Mortgage Loan, whether they
        are
        paid to the mortgagee or a third party, and (y) exclude bona fide discount
        points, fees paid for actual services rendered in connection with the
        origination of the Mortgage Loan (such as attorneys’ fees, notaries fees and
        fees paid for property appraisals, credit reports, surveys, title examinations
        and extracts, flood and tax certifications, and home inspections), the cost
        of
        mortgage insurance or credit-risk price adjustments, the costs of title,
        hazard,
        and flood insurance policies, state and local transfer taxes or fees, escrow
        deposits for the future payment of taxes and insurance premiums, and other
        miscellaneous fees and charges that, in total, do not exceed 0.25% of the
        principal amount of such Mortgage Loan. This representation and warranty
        is a
        Deemed Material Breach Representation; 

       

      (mmm)  Fees
        Charges.
        All
        fees and charges (including finance charges) and whether or not financed,
        assessed, collected or to be collected in connection with the origination
        and
        servicing of each Mortgage Loan has been disclosed in writing to the Mortgagor
        in accordance with applicable state and federal law and regulation. This
        representation and warranty is a Deemed Material Breach Representation;

       

      (nnn)  Arbitration.
        With
        respect to any Mortgage Loan originated on or after August 1, 2004, neither
        the
        related Mortgage nor the related Mortgage Note requires the Mortgagor to
        submit
        to arbitration to resolve any dispute arising out of or relating in any way
        to
        the Mortgage Loan transaction or the Seller has granted a waiver to the
        Mortgagor relating to any such arbitration. This representation and warranty
        is
        a Deemed Material Breach Representation; and

       

      (ooo)  Second
        Lien Loans. With respect to each Second Lien Loan: 

       

      (i)  No
        Negative Amortization of Related First Lien Loan.
        Unless
        otherwise stated in the related Purchase Price and Terms Agreement, the related
        first lien mortgage loan does not permit negative amortization;

       

      (ii)  Request
        for Notice; No Consent Required.
        Where
        required or customary in the jurisdiction in which the Mortgaged Property
        is
        located: (i) the original lender has filed for record a request for notice
        of
        any action by the related senior lienholder, and the Seller has notified
        such
        senior lienholder in writing of the existence of the Second Lien Loan and
        requested notification of any action to be taken against the Mortgagor by
        such
        senior lienholder and (ii) either (a) no consent for the Second Lien Loan
        is
        required by the holder of the related first lien loan or (b) such consent
        has
        been obtained and is contained in the related Mortgage File; and

       

      (iii)  No
        Default Under First Lien.
        The
        related first lien loan is in full force and effect, and there
        is
        no default, breach, violation, foreclosure or event of acceleration existing
        under such first lien mortgage loan or the related Mortgage Note for
        which Seller has been notified of.

       

      Subsection
        9.03  Remedies
        for Breach of Representations and Warranties.

       

      It
        is
        understood and agreed that the representations and warranties set forth in
        Subsections 9.01
        and 9.02
        shall
        survive the sale of the Mortgage Loans to the Purchaser and shall inure to
        the
        benefit of the Purchaser, its successors and assigns and the Successor Servicer,
        notwithstanding any restrictive or qualified endorsement on any Mortgage
        Note or
        Assignment of Mortgage or the examination or failure to examine any Mortgage
        File. Upon discovery by either the Seller or the Purchaser of a breach of
        any of
        the foregoing representations and warranties, the party discovering such
        breach
        shall give prompt written notice to the other.

       

      With
        respect to those representations and warranties which are made to the best
        of
        the Seller’s knowledge, if it is discovered by the Seller or the Purchaser that
        the substance of such representation and warranty is inaccurate and such
        inaccuracy materially and adversely affects the value of the related Mortgage
        Loan or the interest of the Purchaser (or which materially and adversely
        affects
        the value of a Mortgage Loan or the interests of the Purchaser in the related
        Mortgage Loan in the case of a representation and warranty relating to a
        particular Mortgage Loan), notwithstanding the Seller’s lack of knowledge with
        respect to the substance of such representation and warranty, such inaccuracy
        shall be deemed a breach of the applicable representation and
        warranty.

       

      Within
        forty-five (45) days of the earlier of either discovery by or notice to the
        Seller of any breach of a representation or warranty which materially and
        adversely affects the value of the Mortgage Loans or the interest of the
        Purchaser therein (or which materially and adversely affects the value of
        the
        applicable Mortgage Loan or the interest of the Purchaser therein in the
        case of
        a representation and warranty relating to a particular Mortgage Loan), the
        Seller shall use its best efforts promptly to cure such breach in all material
        respects and, if such breach cannot be cured, the Seller shall, at the
        Purchaser’s option, repurchase such Mortgage Loan at the Repurchase Price,
        together with all expenses incurred by the Purchaser as a result of such
        repurchase; provided however, in the event the Seller cannot cure the breach
        within forty-five (45) days after a good faith effort to cure such breach,
        the
        Purchaser may at its reasonable discretion, allow for an extension of the
        forty-five (45) day period provided under this Subsection 9.03. Notwithstanding
        the above sentence, (i) within forty-five (45) days of the earlier of either
        discovery by, or notice to, the Seller of any breach of the representation
        and
        warranty set forth in clause (aaa) of Subsection 9.02,
        the
        Seller shall repurchase such Mortgage Loan at the Repurchase Price, together
        with all expenses incurred by the Purchaser as a result of such repurchase
        and
        (ii) any breach of a Deemed Material Breach Representation shall automatically
        be deemed to materially and adversely affect the value of the Mortgage Loan
        and
        the interest of the Purchaser therein. In the event that a breach shall involve
        any representation or warranty set forth in Subsection 9.01,
        and
        such breach cannot be cured within forty-five (45) days of the earlier of
        either
        discovery by or notice to the Seller of such breach, all of the Mortgage
        Loans
        shall, at the Purchaser’s option, be repurchased by the Seller at the Repurchase
        Price. However, if the breach shall involve a representation or warranty
        set
        forth in Subsection
        9.02
        (other
        than the representations and warranties set forth in clause  (aaa) of
        such Subsection or any Deemed Material Breach Representation) and the Seller
        discovers or receives notice of any such breach within one hundred twenty
        (120)
        days of the related Closing Date, the Seller shall, at the Purchaser’s option
        and provided that the Seller has a Qualified Substitute Mortgage Loan, rather
        than repurchase the Mortgage Loan as provided above, remove such Mortgage
        Loan
        (a “Deleted
        Mortgage Loan”)
        and
        substitute in its place a Qualified Substitute Mortgage Loan or Loans, provided
        that any such substitution shall be effected not later than one hundred twenty
        (120) days after the related Closing Date. If the Seller has no Qualified
        Substitute Mortgage Loan, it shall repurchase the deficient Mortgage Loan.
        Any
        repurchase of a Mortgage Loan or Loans pursuant to the foregoing provisions
        of
        this Subsection
        9.03
        shall be
        accomplished by direct remittance of the Repurchase Price to the Purchaser
        or
        its designee in accordance with the Purchaser’s instructions.

       

      At
        the
        time of repurchase or substitution, the Purchaser and the Seller shall arrange
        for the reassignment of the Deleted Mortgage Loan to the Seller and the delivery
        to the Seller of any documents held by the Custodian relating to the Deleted
        Mortgage Loan. In the event of a repurchase or substitution, the Seller shall,
        simultaneously with such reassignment, give written notice to the Purchaser
        that
        such repurchase or substitution has taken place, amend the related Mortgage
        Loan
        Schedule to reflect the withdrawal of the Deleted Mortgage Loan from this
        Agreement, and, in the case of substitution, identify a Qualified Substitute
        Mortgage Loan and amend the related Mortgage Loan Schedule to reflect the
        addition of such Qualified Substitute Mortgage Loan to this Agreement. In
        connection with any such substitution, the Seller shall be deemed to have
        made
        as to such Qualified Substitute Mortgage Loan the representations and warranties
        set forth in this Agreement except that all such representations and warranties
        set forth in this Agreement shall be deemed made as of the date of such
        substitution. The Seller shall effect such substitution by delivering to
        the
        Custodian or to such other party as the Purchaser may designate in writing
        for
        such Qualified Substitute Mortgage Loan the documents required by Subsection 6.03,
        with
        the Mortgage Note endorsed as required by Subsection 6.03.
        No
        substitution will be made in any calendar month after the Determination Date
        for
        such month. The Seller shall remit directly to the Purchaser, or its designee
        in
        accordance with the Purchaser’s instructions the Monthly Payment on such
        Qualified Substitute Mortgage Loan or Loans in the month following the date
        of
        such substitution. Monthly Payments due with respect to Qualified Substitute
        Mortgage Loans in the month of substitution shall be retained by the Seller.
        For
        the month of substitution, distributions to the Purchaser shall include the
        Monthly Payment due on any Deleted Mortgage Loan in the month of substitution,
        and the Seller shall thereafter be entitled to retain all amounts subsequently
        received by the Seller in respect of such Deleted Mortgage Loan.

       

      For
        any
        month in which the Seller substitutes a Qualified Substitute Mortgage Loan
        for a
        Deleted Mortgage Loan, the Seller shall determine the amount (if any) by
        which
        the aggregate Actual Principal Balance of all Qualified Substitute Mortgage
        Loans as of the date of substitution is less than the aggregate Actual Principal
        Balance of all Deleted Mortgage Loans (after application of scheduled principal
        payments due in the month of substitution). The amount of such shortfall
        shall
        be distributed by the Seller directly to the Purchaser or its designee in
        accordance with the Purchaser’s instructions within two (2) Business Days of
        such substitution. Accordingly, on the date of such substitution, the Seller
        will remit to the Servicer from its own funds for deposit into the Custodial
        Account an amount equal to the amount of such shortfall plus one month’s
        interest thereon at the Mortgage Loan remittance rate. 

       

      In
        addition to such repurchase or substitution obligation, the Seller shall
        indemnify the Purchaser in accordance with Section 14.01. It is understood
        and
        agreed that the obligations of the Seller set forth in this Subsection
        9.03
        to cure,
        substitute for or repurchase a defective Mortgage Loan and to indemnify the
        Purchaser, its successors and assigns and the Successor Servicer as provided
        in
        this Subsection
        9.03
        constitute the sole remedies respecting a breach of the foregoing
        representations and warranties. For purposes of this paragraph, “Purchaser”
shall mean the Person then acting as the Purchaser under this Agreement and
        any
        and all Persons who previously were “Purchasers” under this Agreement and
“Successor Servicer” shall mean the Person then acting as the Successor Servicer
        under this Agreement and any and all Persons who previously were “Successor
        Servicers” under this Agreement.

       

      Any
        cause
        of action against the Seller relating to or arising out of the breach of
        any
        representations and warranties made in Subsections
        9.01 and 9.02
        shall
        accrue as to any Mortgage Loan upon (i) discovery of such breach by the
        Purchaser or notice thereof by the Seller to the Purchaser, (ii) failure by
        the Seller to cure such breach or repurchase such Mortgage Loan as specified
        above, and (iii) demand upon the Seller by the Purchaser for compliance
        with this Agreement.

       

      Subsection
        9.04  Reserved.

       

      Subsection
        9.05  Representations
        and Warranties Regarding the Purchaser.

       

      (a)  The
        Purchaser represents, warrants and covenants to the Seller, its successors
        and
        assigns and the Successor Servicer that as of the date hereof and as of each
        related closing date:

       

      1.  Due
        Organization and Authority.
        The
        Purchaser is a limited partnership duly organized and validly existing under
        the
        laws of State of New York. The Purchaser has all licenses necessary to carry
        out
        its business as now being conducted, and is licensed and qualified to transact
        business in and is in good standing under the laws of each state in which
        any
        Mortgaged Property is located or is otherwise exempt under applicable law
        from
        such licensing or qualification or is otherwise not required under applicable
        law to effect such licensing or qualification. No licenses or approvals obtained
        by the Purchaser have been suspended or revoked by any court, administrative
        agency, arbitrator or governmental body and no proceedings are pending which
        might result in such suspension or revocation;

       

      2.  Enforceability.
        Purchaser
        has the
        full
        power and authority to hold
        each
        Mortgage Loan and to execute, deliver and perform, and to enter into and
        consummate, all transactions contemplated by this Agreement. The Purchaser
        has
        duly authorized the execution, delivery and performance of this Agreement,
        has
        duly executed and delivered this Agreement, and this Agreement, assuming
        due
        authorization, execution and delivery by the Seller, constitutes a legal,
        valid
        and binding obligation of the Purchaser, enforceable against it in accordance
        with its terms except as the enforceability thereof may be limited by
        bankruptcy, insolvency or reorganization and similar laws and equitable
        principles affecting the enforceability of creditors’ rights
        generally;

       

      3.  No
        Consent Required.
        No
        material consent, approval, authorization or order of any court or governmental
        agency or body is required for the execution, delivery and performance by
        the
        Purchaser of, or compliance by the Purchaser with, this Agreement or the
        consummation of the transactions contemplated by this Agreement, except for
        such
        consents, approvals, authorizations or orders, if any, that have been obtained
        prior to the related Closing Date;

       

      4.  No
        Litigation Pending.
        There
        are
        no actions or proceedings against, or investigations of, the Purchaser before
        any court, administrative or other tribunal (A) that would be reasonably
        likely
        to prohibit its entering into this Agreement, (B) seeking to prevent the
        sale of
        the Mortgage Loans or the consummation of the transactions contemplated by
        this
        Agreement or (C) that would be reasonably likely to prohibit or materially
        and
        adversely affect the performance by the Purchaser of its obligations under,
        or
        the validity or enforceability of, this Agreement.

       

      (b)  After
        the
        Transfer Date, the Purchaser shall cause any Successor Servicer to service
        the
        Mortgage Loans in accordance with the terms of the Note, the applicable
        Servicing Agreement, and in compliance with accepted servicing practices
        and all
        applicable laws and regulations.  

       

      SECTION
        10.  Closing.

       

      The
        closing for the purchase and sale of the Mortgage Loans in each Mortgage
        Loan
        Package shall take place on the related Closing Date. At the Purchaser’s option,
        the Closing shall be either: by telephone, confirmed by letter or wire as
        the
        parties shall agree, or conducted in person, at such place as the parties
        shall
        agree.

       

      The
        closing for the Mortgage Loans to be purchased on each Closing Date shall
        be
        subject to each of the following conditions:

       

      (iii)  at
        least
        two (2) Business Days prior to the related Closing Date or such later date
        on
        which the Purchaser has identified to the Seller the final list of Mortgage
        Loans the Purchaser desires to purchase, the Seller shall deliver to the
        Purchaser via electronic medium a Mortgage Loan Schedule acceptable to the
        Purchaser;

       

      (iv)  all
        of
        the representations and warranties of the Seller under this Agreement shall
        be
        true and correct as of the related Closing Date and no event shall have occurred
        which, with notice or the passage of time, would constitute a default under
        this
        Agreement;

       

      (v)  the
        Purchaser shall have received, or the Purchaser’s attorneys shall have received
        in escrow, all Closing Documents as specified in Section 11
        of this
        Agreement, in such forms as are agreed upon and reasonably acceptable to
        the
        Purchaser, duly executed by all signatories other than the Purchaser as required
        pursuant to the terms hereof;

       

      (vi)  the
        Seller shall have delivered and released to the Custodian all documents required
        hereunder; and

       

      (vii)  all
        other
        terms and conditions of this Agreement and the related Purchase Price and
        Terms
        Agreement shall have been complied with.

       

      Subject
        to the foregoing conditions, the Purchaser shall pay to the Seller on the
        related Closing Date the Purchase Price, plus accrued interest pursuant to
        Section 4
        of this
        Agreement, by wire transfer of immediately available funds to the account(s)
        designated by the Seller and payment of such Purchase Price shall constitute
        conclusive evidence of the satisfaction by Seller or waiver by Purchaser
        of the
        foregoing conditions precedent; provided that for the avoidance of doubt,
        the
        Purchaser does not hereby waive any rights or remedies provided under this
        Agreement.

       

      SECTION
        11.  Closing
        Documents.

       

      (a)  The
        Closing Documents for the Mortgage Loans to be purchased on the initial Closing
        Date shall consist of fully executed originals of the following
        documents:

       

      1.  this
        Agreement;

       

      2.  the
        Interim Servicing Agreement, any account certifications and all other documents
        required thereunder;

       

      3.  an
        Officer’s Certificate, in the form of Exhibit C
        hereto
        with respect to the Seller, including all attachments thereto;

       

      4.  [an
        Opinion of Counsel of the Seller (who may be an employee of the Seller),
        in the
        form of Exhibit D
        hereto
        (“Opinion
        of Counsel of the Seller”)];

       

      5.  a
        Security Release Certification, substantially in the form of Exhibit E
        or F,
        as
        applicable, hereto executed by any person, as requested by the Purchaser,
        if any
        of the Mortgage Loans have at any time been subject to any security interest,
        pledge or hypothecation for the benefit of such person;

       

      6.  the
        Underwriting Guidelines to be attached to the related Purchase Price and
        Terms
        Agreement; and

       

      7.  a
        certificate or other evidence of merger or change of name, signed or stamped
        by
        the applicable regulatory authority, if any of the Mortgage Loans were acquired
        by the Seller by merger or acquired or originated by the Seller while conducting
        business under a name other than its present name, if applicable.

       

      (b)  The
        Closing Documents to be delivered on each Closing Date shall consist of fully
        executed originals of the following documents:

       

      1.  an
        Assignment and Conveyance in the form of Exhibit
        I
        hereto,
        including all exhibits;

       

      2.  a
        Purchase Price and Terms Agreement;

       

      3.  the
        related Mortgage Loan Schedule, with one copy to be attached to the related
        Assignment and Conveyance;

       

      4.  each
        of
        the documents required to be delivered by the Seller pursuant to Subsection
        6.03
        hereof;

       

      5.  the
        initial certification of the Custodian with respect to the related Mortgage
        Loan
        Package;

       

      6.  a
        Security Release Certification, substantially in the form of Exhibit
        E or F,
        as
        applicable, hereto executed by any person, as requested by the Purchaser,
        if any
        of the Mortgage Loans have at any time been subject to any security interest,
        pledge or hypothecation for the benefit of such person; 

       

      7.  a
        certificate or other evidence of merger or change of name, signed or stamped
        by
        the applicable regulatory authority, if any of the Mortgage Loans were acquired
        by the Seller by merger or acquired or originated by the Seller while conducting
        business under a name other than its present name, if applicable;
        and

       

      8.  [if
        requested by the Purchaser in connection with a material change in Seller’s
        financial condition or corporate structure, an updated Officer’s Certificate, in
        the form of Exhibit
        C
        hereto,
        including all attachments thereto and an updated Opinion of Counsel of the
        Seller, in the form of Exhibit
        D
        hereto].

       

      The
        Seller shall bear the risk of loss of the closing documents until such time
        as
        they are received by the Purchaser or its attorneys.

       

      SECTION
        12.  Costs.

       

      The
        Purchaser shall pay its due diligence fees and the fees and expenses of its
        counsel. All servicing fees incurred prior to the related Closing Date, and
        all
        costs and expenses incurred in connection with the transfer of the Mortgage
        Loans, fees to transfer files and prepare assignments/endorsements, all initial
        recording fees, if any, for the assignments of mortgage for all Mortgage
        Loans
        not recorded in the name of MERS, all fees, if any, for transferring record
        ownership on the MERS® System of Mortgage Loans recorded in the name of MERS,
        custodial fees, including the costs associated with clearing exceptions,
        (including costs to record intervening assignments and any existing assumption
        and modification agreements), together with the fees and expenses of Seller’s
        counsel, shall be payable by the Seller.

       

      SECTION
        13.  Cooperation
        of Seller with a Reconstitution.

       

      The
        Seller and the Purchaser agree that with respect to some or all of the Mortgage
        Loans, after the related Closing Date, on one or more dates (each a
“Reconstitution
        Date”)
        at the
        Purchaser’s sole option, the Purchaser may effect a sale (each a “Reconstitution”)
        of
        some or all of the Mortgage Loans then subject to this Agreement, without
        recourse, to:

       

      (i)  one
        or
        more third party purchasers in one or more Whole Loan Transfers; or

       

      (ii)  one
        or
        more trusts or other entities to be formed as part of one or more Securitization
        Transactions.

       

      The
        Seller agrees to execute in connection with any Reconstitution , any and
        all
        pool purchase contracts, and/or agreements reasonably acceptable to the Seller
        among the Purchaser, the Seller, and any servicer in connection with a Whole
        Loan Transfer, a seller’s warranties and servicing agreement or a participation
        and servicing agreement in form and substance reasonably acceptable to the
        Seller. 

       

      Seller
        shall not be required to make the representations and warranties with respect
        to
        any Mortgage Loans as of any date later than the related Closing Date (except
        for the representations and warranties related to post closing servicing
        of the
        Mortgage Loans in its capacity as Interim Servicer, which shall be made as
        of
        the Reconstitution Date) and in connection with a Securitization Transaction,
        a
        pooling and servicing agreement or an assignment, acknowledgment and recognition
        agreement in form and substance reasonably acceptable to the Seller
        (collectively the agreements referred to herein are designated, the
“Reconstitution
        Agreements”).
        

       

      With
        respect to each Whole Loan Transfer and each Securitization Transaction entered
        into by the Purchaser, the Seller agrees (1) to reasonably cooperate with
        the
        Purchaser and any prospective purchaser with respect to all reasonable requests
        and due diligence procedures; (2) to execute, deliver and perform all
        Reconstitution Agreements reasonably required by the Purchaser; provided
        that
        any such agreements be consistent with the terms hereof and the Interim
        Servicing Agreement and impose no greater duties, liabilities or obligations
        on
        the Seller or Successor Servicer than those set forth herein or in the Interim
        Servicing Agreement and provided that the Seller is given an opportunity
        to
        review and reasonably negotiate in good faith the content of such documents
        not
        specifically referenced or provided for herein; and deliver an opinion of
        counsel and deliver an opinion of counsel in form and substance satisfactory
        to
        the Purchaser if requested by the Purchaser; and (3) (a) to restate the
        representations and warranties set forth in this Agreement as of the related
        Closing Date in connection with such Reconstitution (each, a “Reconstitution
        Date”) (Seller shall not be required to make the representations and warranties
        with respect to any Mortgage Loans as of any date later than the related
        Closing
        Date except for the representations and warranties related to post closing
        servicing of the Mortgage Loans in its capacity as Interim Servicer, which
        shall
        be made as of the Reconstitution Date) or (b) make the representations and
        warranties set forth in the related selling/servicing guide of the master
        servicer or issuer (Seller shall not be required to make the representations
        and
        warranties with respect to any Mortgage Loans as of any date later than the
        related Closing Date except for the representations and warranties related
        to
        post closing servicing of the Mortgage Loans in its capacity as Interim
        Servicer, which shall be made as of the Reconstitution Date), as the case
        may
        be, or such representations and warranties as may be required by any Rating
        Agency or prospective purchaser of the related securities or such Mortgage
        Loans, in connection with such Reconstitution. The
        Seller shall use its reasonable best efforts to provide to such master servicer
        or issuer, as the case may be, and any other participants in such
        Reconstitution: (i) any and all information and appropriate verification
        of
        information which may be reasonably available to the Seller or its affiliates,
        whether through letters of its auditors and counsel or otherwise, as the
        Purchaser or any such other participant shall reasonably request; (ii) such
        additional representations, warranties, covenants, opinions of counsel, letters
        from auditors, and certificates of public officials or officers of the Seller
        as
        are reasonably believed necessary by the Purchaser or any such other
        participant; and (iii) to execute, deliver and satisfy all conditions set
        forth
        in an indemnity agreement substantially in the form of Exhibit
        O
        hereto.
        The Seller shall indemnify the Purchaser, each Affiliate designated by the
        Purchaser, each Person who controls the Purchaser or such Affiliate and the
        Successor Servicer and hold each of them harmless from and against any losses,
        damages, penalties, fines, forfeitures, reasonable and necessary legal fees
        and
        related costs, judgments, and any other costs, fees and expenses that each
        of
        them may sustain in any way related to any information provided by or on
        behalf
        of the Seller regarding the Seller, the Seller’s servicing practices or
        performance, the Mortgage Loans or the Underwriting Guidelines set forth
        in any
        offering document prepared in connection with any Reconstitution. For purposes
        of the previous sentence, “Purchaser” shall mean the Person then acting as the
        Purchaser under this Agreement and any and all Persons who previously were
        “Purchasers” under this Agreement and “Successor Servicer” shall mean the Person
        then acting as the Successor Servicer under this Agreement and any and all
        Persons who previously were “Successor Servicers” under this Agreement.
        Moreover, the Seller agrees to cooperate with all reasonable requests made
        by
        the Purchaser to effect such Reconstitution Agreements.

       

      In
        the
        event the Purchaser has elected to have the Seller hold record title to the
        Mortgages, prior to the Reconstitution Date, the Seller shall prepare an
        assignment of mortgage in blank or to the prospective purchaser or trustee,
        as
        applicable, from the Seller acceptable to the prospective purchaser or trustee,
        as applicable, for each Mortgage Loan that is part of the Reconstitution
        and
        shall pay all preparation and recording costs associated therewith. In
        connection with the Reconstitution, the Seller shall execute each assignment
        of
        mortgage, track such Assignments of Mortgage to ensure they have been recorded
        and deliver them as required by the prospective purchaser or trustee, as
        applicable, upon the Seller’s receipt thereof. Additionally, the Seller shall
        prepare and execute, at the direction of the Purchaser, any note endorsement
        in
        connection with any and all seller/servicer agreements.

       

      All
        Mortgage Loans not sold or transferred pursuant to a Reconstitution shall
        remain
        subject to this Agreement and with respect thereto this Agreement shall remain
        in full force and effect.

       

      SECTION
        14.  The
        Seller.

       

      Subsection
        14.01  Additional
        Indemnification by the Seller; Third Party Claims.

       

      The
        Seller shall indemnify the Purchaser and hold it harmless against any and
        all
        claims, losses, damages, penalties, fines, forfeitures, legal fees (including
        (without limitation) legal fees incurred in connection with the enforcement
        of
        the Seller’s indemnification obligation under this Subsection
        14.01)
        and
        related costs, judgments, and any other costs, fees and expenses that the
        Purchaser or the Successor Servicer may sustain in any way related to (a)
        any
        breach of any of Seller’s representations, warranties or covenants set forth in
        this Agreement or any Reconstitution Agreement, (b) the failure of the Seller
        to
        perform its duties under this Agreement or (c) the failure of the Seller
        to
        service the Mortgage Loans in strict compliance with the terms of the Interim
        Servicing Agreement or any Reconstitution Agreement entered into pursuant
        to
Section 13.
        The
        Seller immediately shall notify the Purchaser if a claim is made by a third
        party with respect to this Agreement or any Reconstitution Agreement or the
        Mortgage Loans, assume (with the prior written consent of the Purchaser)
        the
        defense of any such claim and pay all expenses in connection therewith,
        including counsel fees, and promptly pay, discharge and satisfy any judgment
        or
        decree which may be entered against it or the Purchaser in respect of such
        claim. The Purchaser promptly shall reimburse the Seller for all amounts
        advanced by it pursuant to the preceding sentence, except when the claim
        is in
        any way related to the Seller’s indemnification pursuant to Section 9
        or the
        first sentence of this Subsection 14.01,
        or is
        in any way related to the failure of the Seller to service and administer
        the
        Mortgage Loans in strict compliance with the terms of this Agreement or any
        Reconstitution Agreement.

       

      Subsection
        14.02  Merger
        or
        Consolidation of the Seller.

       

      The
        Seller will keep in full effect its existence, rights and franchises as an
        Indiana banking corporation under the laws of the state of Indiana except
        as
        permitted herein, and will obtain and preserve its qualification to do business
        as a foreign corporation in each jurisdiction in which such qualification
        is or
        shall be necessary to protect the validity and enforceability of this Agreement,
        or any of the Mortgage Loans and to perform its duties under this
        Agreement.

       

      Notwithstanding
        the foregoing paragraph any Person into which the Seller may be merged or
        consolidated, or any entity resulting from any merger, conversion or
        consolidation to which the Seller shall be a party, or any Person succeeding
        to
        the business of the Seller, shall be the successor of the Seller hereunder,
        without the execution or filing of any paper or any further act on the part
        of
        any of the parties hereto, anything herein to the contrary notwithstanding;
        provided, however, that the successor or surviving Person shall have a net
        worth
        of at least $25,000,000.

       

      SECTION
        15.  Financial
        Statements.

       

      The
        Seller understands that in connection with the Purchaser’s marketing of the
        Mortgage Loans, the Purchaser shall make available to prospective purchasers
        audited consolidated financial statements of the Seller for the most recently
        completed two (2) fiscal years respecting which such statements are available.
        The Seller shall also make available any comparable interim statements to
        the
        extent any such statements have been prepared by the Seller (and are available
        upon request to members or stockholders of the Seller or the public at large).
        The Seller, if it has not already done so, agrees to furnish promptly to
        the
        Purchaser copies of the statements specified above. The Seller shall also
        make
        available information on its servicing performance with respect to loans
        serviced for others, including delinquency ratios.

       

      The
        Seller also agrees to allow reasonable access to a knowledgeable financial
        or
        accounting officer for the purpose of answering questions asked by any
        prospective purchaser regarding recent developments affecting the Seller
        or the
        financial statements of the Seller.

       

      SECTION
        16.  Mandatory
        Delivery; Grant of Security Interest.

       

      The
        sale
        and delivery on the related Closing Date of the Mortgage Loans is mandatory
        from
        and after the date of the execution of the related Purchase Price and Terms
        Agreement, it being specifically understood and agreed that each Mortgage
        Loan
        is unique and identifiable on the date hereof and that an award of money
        damages
        would be insufficient to compensate the Purchaser for the losses and damages
        incurred by the Purchaser (including damages to prospective purchasers of
        the
        Mortgage Loans) in the event of the Seller’s failure to deliver (i) each of
        the related Mortgage Loans or (ii) one or more Qualified Substitute
        Mortgage Loans or (iii) one or more Mortgage Loans otherwise acceptable to
        the Purchaser on or before the related Closing Date. The Seller hereby grants
        to
        the Purchaser a lien on and a continuing security interest in each Mortgage
        Loan
        and each document and instrument evidencing each such Mortgage Loan to secure
        the performance by the Seller of its obligations under the related Purchase
        Price and Terms Agreement, and the Seller agrees that it shall hold such
        Mortgage Loans in custody for the Purchaser subject to the Purchaser’s
        (i) right to reject any Mortgage Loan (or Qualified Substitute Mortgage
        Loan) under the terms of this Agreement and to require another Mortgage Loan
        (or
        Qualified Substitute Mortgage Loan) to be substituted therefor, and
        (ii) obligation to pay the Purchase Price for the Mortgage Loans. All
        rights and remedies of the Purchaser under this Agreement are distinct from,
        and
        cumulative with, any other rights or remedies under this Agreement or afforded
        by law or equity and all such rights and remedies may be exercised concurrently,
        independently or successively.

       

      SECTION
        17.  Notices.

       

      All
        demands, notices and communications hereunder shall be in writing and shall
        be
        deemed to have been duly given if mailed, by registered or certified mail,
        return receipt requested, or, if by other means, when received by the other
        party at the address as follows:

       

      
        	 	
                (i)

              	
                if
                  to the Seller:

              

      

      

      Irwin
        Union Bank and Trust Company

      c/o
        Irwin
        Home Equity Corporation

      12677
        Alcosta Boulevard, Suite 500

      San
        Ramon, CA 94583

      Attention:
        Edwin Corbin

       

      With
        a
        copy to: Chief Counsel at the same address

       

      
        	 	
                (ii)

              	
                if
                  to the Purchaser:

              

      

       

      Goldman
        Sachs Mortgage Company

      100
        2nd
        Ave. South, Suite 200S 

      St.
        Petersburg, Florida, 33701

      Attention:
        Christina Liepold 

       

      or
        such
        other address as may hereafter be furnished to the other party by like notice.
        Any such demand, notice or communication hereunder shall be deemed to have
        been
        received on the date delivered to or received at the premises of the addressee
        (as evidenced, in the case of registered or certified mail, by the date noted
        on
        the return receipt).

       

      SECTION
        18.  Severability
        Clause.

       

      Any
        part,
        provision representation or warranty of this Agreement which is prohibited
        or
        unenforceable or is held to be void or unenforceable in any jurisdiction
        shall
        be ineffective, as to such jurisdiction, to the extent of such prohibition
        or
        unenforceability without invalidating the remaining provisions hereof, and
        any
        such prohibition or unenforceability in any jurisdiction as to any Mortgage
        Loan
        shall not invalidate or render unenforceable such provision in any other
        jurisdiction. To the extent permitted by applicable law, the parties hereto
        waive any provision of law that prohibits or renders void or unenforceable
        any
        provision hereof. If the invalidity of any part, provision, representation
        or
        warranty of this Agreement shall deprive any party of the economic benefit
        intended to be conferred by this Agreement, the parties shall negotiate,
        in
        good-faith, to develop a structure the economic effect of which is nearly
        as
        possible the same as the economic effect of this Agreement without regard
        to
        such invalidity.

       

      SECTION
        19.  Counterparts.

       

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

       

      SECTION
        20.  Governing
        Law.

       

      This
        Agreement shall be deemed in effect when a fully executed counterpart thereof
        is
        received by the Purchaser in the State of New York and shall be deemed to
        have
        been made in the State of New York. The Agreement shall be construed in
        accordance with the laws of the State of New York and the obligations, rights
        and remedies of the parties hereunder shall be determined in accordance with
        the
        substantive laws of the State of New York (without regard to conflicts of
        laws
        principles), except to the extent preempted by federal law.

       

      SECTION
        21.  Intention
        of the Parties.

       

      It
        is the
        intention of the parties that the Purchaser is purchasing, and the Seller
        is
        selling the Mortgage Loans and not a debt instrument of the Seller or another
        security. 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 Mortgage Loans. Moreover, the arrangement under which the
        Mortgage Loans are held shall be consistent with classification of such
        arrangement as a grantor trust in the event it is not found to represent
        direct
        ownership of the Mortgage Loans. The Purchaser shall have the right to review
        the Mortgage Loans and the related Mortgage Loan Files to determine the
        characteristics of the Mortgage Loans which shall affect the federal income
        tax
        consequences of owning the Mortgage Loans and the Seller shall cooperate
        with
        all reasonable requests made by the Purchaser in the course of such
        review.

       

      SECTION
        22.  Successors
        and Assigns; Assignment of Purchase Agreement.

       

      This
        Agreement shall bind and inure to the benefit of and be enforceable by the
        Seller and the Purchaser and the respective permitted successors and assigns
        of
        the Seller and the successors and assigns of the Purchaser. Subject to Section
        14.02, this Agreement shall not be assigned, pledged or hypothecated by the
        Seller to a third party without the prior written consent of the Purchaser,
        which consent may be withheld by the Purchaser in its sole discretion. This
        Agreement may be assigned, pledged or hypothecated by the Purchaser in whole
        or
        in part, and with respect to one or more of the Mortgage Loans, without the
        consent of the Seller. If the Purchaser assigns any or all of its rights
        as
        Purchaser hereunder, the assignee of the Purchaser will become the “Purchaser”
        hereunder to the extent of such assignment. Any such assignment by the Purchaser
        shall be accompanied by the delivery and execution of an Assignment and
        Assumption Agreement (the “Assignment
        and Assumption Agreement”)
        in the
        form attached hereto as Exhibit
        G.

       

      SECTION
        23.  Waivers.

       

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

       

      SECTION
        24.  Exhibits.

       

      The
        exhibits to this Agreement are hereby incorporated and made a part hereof
        and
        are an integral part of this Agreement.

       

      SECTION
        25.  General
        Interpretive Principles.

       

      For
        purposes of this Agreement, except as otherwise expressly provided or unless
        the
        context otherwise requires:

       

      (a)  the
        terms
        defined in this Agreement have the meanings assigned to them in this Agreement
        and include the plural as well as the singular, and the use of any gender
        herein
        shall be deemed to include the other gender;

       

      (b)  accounting
        terms not otherwise defined herein have the meanings assigned to them in
        accordance with generally accepted accounting principles;

       

      (c)  references
        herein to “Articles,” “Sections,” “Subsections,” “Paragraphs,” and other
        subdivisions without reference to a document are to designated Articles,
        Sections, Subsections, Paragraphs and other subdivisions of this
        Agreement;

       

      (d)  reference
        to a Subsection without further reference to a Section is a reference to
        such
        Subsection as contained in the same Section in which the reference appears,
        and
        this rule shall also apply to Paragraphs and other subdivisions;

       

      (e)  the
        words
“herein,” “hereof,” “hereunder” and other words of similar import refer to this
        Agreement as a whole and not to any particular provision; and

       

      (f)  the
        term
“include” or “including” shall mean without limitation by reason of
        enumeration.

       

      SECTION
        26.  Reproduction
        of Documents.

       

      This
        Agreement and all documents relating thereto, including, without limitation,
        (a) consents, waivers and modifications which may hereafter be executed,
        (b) documents received by any party at the closing, and (c) financial
        statements, certificates and other information previously or hereafter
        furnished, may be reproduced by any photographic, photostatic, microfilm,
        micro-card, miniature photographic or other similar process. The parties
        agree
        that any such reproduction shall be admissible in evidence as the original
        itself in any judicial or administrative proceeding, whether or not the original
        is in existence and whether or not such reproduction was made by a party
        in the
        regular course of business, and that any enlargement, facsimile or further
        reproduction of such reproduction shall likewise be admissible in
        evidence.

       

      SECTION
        27.  Further
        Agreements.

       

      The
        Seller and the Purchaser each agree to execute and deliver to the other such
        reasonable and appropriate additional documents, instruments or agreements
        as
        may be necessary or appropriate to effectuate the purposes of this Agreement;
        provided, no such document, instrument or agreement shall require any party
        to
        surrender any rights reserved to it under this Agreement.

       

      SECTION
        28.  Recordation
        of Assignments of Mortgage.

       

      To
        the
        extent permitted by applicable law, for Mortgage Loans which are not registered
        with MERS, each of the Assignments of Mortgage is subject to recordation
        in all
        appropriate public offices for real property records in all the counties
        or
        their comparable jurisdictions in which any or all of the Mortgaged Properties
        are situated, and in any other appropriate public recording office or elsewhere,
        such recordation to be effected at the Seller’s expense in the event recordation
        is either necessary under applicable law or requested by the Purchaser (which
        request may be made by the Purchaser at any time following the related Closing
        Date) at its sole option.

       

      SECTION
        29.  No
        Solicitation.

       

      From
        and
        after the related Closing Date, the Seller agrees that it will not take any
        action or permit or cause any action to be taken by any of its agents or
        affiliates, or by any independent contractors on the Seller’s behalf, to
        personally, by telephone or mail, solicit the Mortgagor under any Mortgage
        Loan
        for any purpose whatsoever, including to refinance a Mortgage Loan, in whole
        or
        in part, without the prior written consent of the Purchaser. It is understood
        and agreed that all rights and benefits relating to the solicitation of any
        Mortgagors and the attendant rights, title and interest in and to the list
        of
        such Mortgagors and data relating to their Mortgages (including insurance
        renewal dates) shall be transferred to the Purchaser pursuant hereto on the
        related Closing Date and the Seller shall take no action to undermine these
        rights and benefits. Notwithstanding the foregoing, it is understood and
        agreed
        that (i) promotions undertaken by the Seller or any affiliate of the Seller
        which are directed to the general public at large, or segments thereof (provided
        that no segment shall consist primarily of the Mortgagors under the Loans),
        including, without limitation, mass mailing, internet and e-mail solicitations,
        based in all instances, on commercially acquired mailing lists (which may
        not be
        targeted at the Mortgagors) and newspaper, radio and television advertisements
        and (ii) responses to unsolicited requests or inquires made by a Mortgagor,
        shall not constitute solicitation under this Section
        29.

       

      SECTION
        30.  Waiver
        of Trial by Jury.

       

      THE
        SELLER AND THE PURCHASER EACH KNOWINGLY, VOLUNTARILY AND INTENTIONALLY WAIVES
        TO
        THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW ANY RIGHT IT MAY HAVE TO A
        TRIAL
        BY JURY OF ANY DISPUTE ARISING UNDER OR RELATING TO THIS AGREEMENT OR THE
        TRANSACTIONS CONTEMPLATED HEREBY.

       

      SECTION
        31.  Submission
        to Jurisdiction; Waivers.

       

      The
        Seller hereby irrevocably and unconditionally:

       

      (A)  SUBMITS
        FOR ITSELF AND ITS PROPERTY IN ANY LEGAL ACTION OR PROCEEDING RELATING TO
        THIS
        AGREEMENT, OR FOR RECOGNITION AND ENFORCEMENT OF ANY JUDGMENT IN RESPECT
        THEREOF, TO THE NON-EXCLUSIVE GENERAL JURISDICTION OF THE COURTS OF THE STATE
        OF
        NEW YORK, THE FEDERAL COURTS OF THE UNITED STATES OF AMERICA FOR THE SOUTHERN
        DISTRICT OF NEW YORK, AND APPELLATE COURTS FROM ANY THEREOF;

       

      (B)  CONSENTS
        THAT ANY SUCH ACTION OR PROCEEDING MAY BE BROUGHT IN SUCH COURTS AND, TO
        THE
        EXTENT PERMITTED BY LAW, WAIVES ANY OBJECTION THAT IT MAY NOW OR HEREAFTER
        HAVE
        TO THE VENUE OF ANY SUCH ACTION OR PROCEEDING IN ANY SUCH COURT OR THAT SUCH
        ACTION OR PROCEEDING WAS BROUGHT IN AN INCONVENIENT COURT AND AGREES NOT
        TO
        PLEAD OR CLAIM THE SAME;

       

      (C)  AGREES
        THAT SERVICE OF PROCESS IN ANY SUCH ACTION OR PROCEEDING MAY BE EFFECTED
        BY
        MAILING A COPY THEREOF BY REGISTERED OR CERTIFIED MAIL (OR ANY SUBSTANTIALLY
        SIMILAR FORM OF MAIL), POSTAGE PREPAID, TO ITS ADDRESS SET FORTH HEREIN OR
        AT
        SUCH OTHER ADDRESS OF WHICH THE PURCHASER SHALL HAVE BEEN NOTIFIED;
        AND

       

      (D)  AGREES
        THAT NOTHING HEREIN SHALL AFFECT THE RIGHT TO EFFECT SERVICE OF PROCESS IN
        ANY
        OTHER MANNER PERMITTED BY LAW OR SHALL LIMIT THE RIGHT TO SUE IN ANY OTHER
        JURISDICTION.

       

      SECTION
        32.  Confidential
        Information.

       

      The
        Seller and Purchaser understand and agree that this Agreement, any other
        agreements executed in connection with the sale contemplated hereunder, any
        agreements executed in connection with any Reconstitution, and any offering
        circulars or other disclosure documents produced in connection with any
        Reconstitution are confidential and proprietary to the Purchaser or Seller,
        and
        the Seller and Purchaser agree to hold such documents confidential and not
        to
        divulge such documents to anyone except (a) to the extent required by law
        or
        judicial order or to enforce its rights or remedies under this Agreement,
        (b) to
        the extent such information enters into the public domain other than through
        the
        wrongful act of the Seller or the Purchaser, as the case may be, (c) as is
        necessary in working with legal counsel, rating agencies, auditors, agents,
        taxing authorities or other governmental agencies or (d) the federal income
        tax
        treatment of the transactions hereunder, any fact relevant to understanding
        the
        federal tax treatment of the transactions hereunder, and all materials of
        any
        kind (including opinions or other tax analyses) relating to such federal
        income
        tax treatment; provided that the Seller may not disclose the name of or
        identifying information with respect to Purchaser or any pricing terms or
        other
        nonpublic business or financial information that is unrelated to the purported
        or claimed federal income tax treatment of the transactions hereunder and
        is not
        relevant to understanding the purported or claimed federal income tax treatment
        of the transactions hereunder. Moreover, the Seller understands and agrees
        that
        this Agreement, any other agreements executed in connection with the sale
        contemplated hereunder, any agreements executed in connection with the
        securitization of the Mortgage Loans, and any offering circulars or other
        disclosure documents produced in connection with such securitization are
        confidential and proprietary to the Purchaser, and the Seller agrees to hold
        such documents confidential and not to divulge such documents to anyone except
        (a) to the extent required by law or judicial order or to enforce its
        rights or remedies under this Agreement, (b) to the extent such information
        enters into the public domain other than through the wrongful act of the
        Seller,
        or (c) as is necessary in working with legal counsel, auditors, agents,
        rating agencies, taxing authorities or other governmental agencies. The rights
        and obligations set forth in this paragraph shall survive the Closing Date
        and
        shall not merge into the closing documents but shall be independently
        enforceable by the parties hereto.

       

      SECTION
        33.  Compliance
        with Regulation AB.

       

      Subsection
        33.01  Intent
        of
        the Parties; Reasonableness.

       

      The
        Purchaser and the Seller acknowledge and agree that the purpose of Section 33
        of this
        Agreement is to facilitate compliance by the Purchaser and any Depositor
        with
        the provisions of Regulation AB and related rules and regulations of the
        Commission. Although Regulation AB is applicable by its terms only to offerings
        of asset-backed securities that are registered under the Securities Act,
        the
        Company acknowledges that investors in privately offered securities may require
        that the Purchaser or any Depositor provide comparable disclosure in
        unregistered offerings. References in this Agreement to compliance with
        Regulation AB include provision of comparable disclosure in private
        offerings.

       

      Neither
        the Purchaser nor any Depositor shall exercise its right to request delivery
        of
        information or other performance under these provisions other than in good
        faith, or for purposes other than compliance with the Securities Act, the
        Exchange Act and the rules and regulations of the Commission thereunder (or
        the
        provision in a private offering of disclosure comparable to that required
        under
        the Securities Act). The Seller acknowledges that interpretations of the
        requirements of Regulation AB may change over time, whether due to
        interpretive guidance provided by the Commission or its staff, consensus
        among
        participants in the asset-backed securities markets, advice of counsel, or
        otherwise, and agrees to comply with requests made by the Purchaser or any
        Depositor in good faith for delivery of information under these provisions
        on
        the basis of evolving interpretations of Regulation AB. In connection with
        any Securitization Transaction, the Seller shall cooperate fully with the
        Purchaser to deliver to the Purchaser (including any of its assignees or
        designees) and any Depositor, any and all statements, reports, certifications,
        records and any other information necessary in the good faith determination
        of
        the Purchaser or any Depositor to permit the Purchaser or such Depositor
        to
        comply with the provisions of Regulation AB, together with such disclosures
        relating to the Seller, any Third-Party Originator and the Mortgage Loans,
        or
        the servicing of the Mortgage Loans, reasonably believed by the Purchaser
        or any
        Depositor to be necessary in order to effect such compliance.

       

      The
        Purchaser (including any of its assignees or designees) shall cooperate with
        the
        Seller by providing timely notice of requests for information under these
        provisions and by reasonably limiting such requests to information required,
        in
        the Purchaser’s reasonable judgment, to comply with Regulation AB.

       

      Subsection
        33.02  Additional
        Representations and Warranties of the Seller.

       

      (a)  The
        Seller shall be deemed to represent to the Purchaser and to any Depositor,
        as of
        the date on which information is first provided to the Purchaser or any
        Depositor under Subsection 33.03
        that,
        except as disclosed in writing to the Purchaser or such Depositor prior to
        such
        date: (i) there are no material legal or governmental proceedings pending
        (or known to be contemplated) against the Seller or any Third-Party Originator;
        and (ii) there are no affiliations, relationships or transactions relating
        to the Seller or any Third-Party Originator with respect to any Securitization
        Transaction and any party thereto identified by the related Depositor of
        a type
        described in Item 1119 of Regulation AB.

       

      (b)  If
        so
        requested by the Purchaser or any Depositor on any date following the date
        on
        which information is first provided to the Purchaser or any Depositor under
        Subsection 33.03,
        the
        Seller shall, within five (5) Business Days following such request, confirm
        in
        writing the accuracy of the representations and warranties set forth in
        paragraph (a) of this Section or, if any such representation and warranty
        is not accurate as of the date of such request, provide reasonably adequate
        disclosure of the pertinent facts, in writing, to the requesting
        party.

       

      Subsection
        33.03  Information
        To Be Provided by the Seller. 

       

      In
        connection with any Securitization Transaction the Seller shall (i) within
        five (5) Business Days following request by the Purchaser or any Depositor,
        provide to the Purchaser and such Depositor (or, as applicable, cause each
        Third-Party Originator to provide), in writing and in form and substance
        reasonably satisfactory to the Purchaser and such Depositor, the information
        and
        materials specified in paragraphs (a) and (b) of this Subsection, and
        (ii) as promptly as practicable following notice to or discovery by the
        Seller, provide to the Purchaser and any Depositor (in writing and in form
        and
        substance reasonably satisfactory to the Purchaser and such Depositor) the
        information specified in paragraph (d) of this
        Subsection.

       

      (a)  If
        so
        requested by the Purchaser or any Depositor, the Seller shall provide such
        information regarding (i) the Seller, as originator of the Mortgage Loans
        (including as an acquirer of Mortgage Loans from a Qualified Correspondent),
        or
        (ii) each Third-Party Originator, as is requested for the purpose of
        compliance with Items 1103(a)(1), 1105, 1110, 1117 and 1119 of
        Regulation AB. Such information shall include, at a minimum:

       

      (A)  the
        originator’s form of organization;

       

      (B)  a
        description of the originator’s origination program and how long the originator
        has been engaged in originating residential mortgage loans, which description
        shall include a discussion of the originator’s experience in originating
        mortgage loans of a similar type as the Mortgage Loans; information regarding
        the size and composition of the originator’s origination portfolio; and
        information that may be material, in the good faith judgment of the Purchaser
        or
        any Depositor, to an analysis of the performance of the Mortgage Loans,
        including the originator’s credit-granting or underwriting criteria for mortgage
        loans of similar type(s) as the Mortgage Loans and such other information
        as the
        Purchaser or any Depositor may reasonably request for the purpose of compliance
        with Item 1110(b)(2) of Regulation AB;

       

      (C)  a
        description of any material legal or governmental proceedings pending (or
        known
        to be contemplated) against the Seller and each Third-Party Originator;
        and

       

      (D)  a
        description of any affiliation or relationship between the Seller, each
        Third-Party Originator and any of the following parties to a Securitization
        Transaction, as such parties are identified to the Seller by the Purchaser
        or
        any Depositor in writing in advance of such Securitization
        Transaction:

       

      
        	1.  	
                the
                  sponsor;

              

      

      
        	2.  	
                the
                  depositor;

              

      

      
        	3.  	
                the
                  issuing entity;

              

      

      
        	4.  	
                any
                  servicer;

              

      

      
        	5.  	
                any
                  trustee;

              

      

      
        	6.  	
                any
                  originator;

              

      

      
        	7.  	
                any
                  significant obligor;

              

      

      
        	8.  	
                any
                  enhancement or support provider;
                  and

              

      

      
        	9.  	
                any
                  other material transaction party.

              

      

       

      (b)  If
        so
        requested by the Purchaser or any Depositor, the Seller shall provide (or,
        as
        applicable, cause each Third-Party Originator to provide) Static Pool
        Information with respect to the mortgage loans (of a similar type as the
        Mortgage Loans, as reasonably identified by the Purchaser as provided below)
        originated by (i) the Seller, if the Seller is an originator of Mortgage
        Loans (including as an acquirer of Mortgage Loans from a Qualified
        Correspondent), and/or (ii) each Third-Party Originator. Notwithstanding
        the preceding sentence, the  Seller shall
        not
        be required to provide Static Pool Information regarding cumulative losses
        with
        respect to any mortgage loans, if such information is unknown or unavailable
        to
        the  Seller without
        unreasonable effort or expense; provided however,  that the Seller
        shall provide a certificate to the Purchaser or any Depositor showing that
        such
        information is not available without unreasonable effort or  expense.
        The
        parties agree that where the Seller sells substantially all mortgage loans
        of a
        similar type on a servicing released basis, the Seller shall be deemed to
        experience unreasonable effort or expense in obtaining and compiling Static
        Pool
        Information contemplated by this Agreement. Such
        Static Pool Information shall be prepared by the Seller (or Third-Party
        Originator) on the basis of its reasonable, good faith interpretation of
        the
        requirements of Item 1105(a)(1)-(3) of Regulation AB. To the extent
        that there is reasonably available to the Seller (or Third-Party Originator)
        Static Pool Information with respect to more than one mortgage loan type,
        the
        Purchaser or any Depositor shall be entitled to specify whether some or all
        of
        such information shall be provided pursuant to this paragraph. The content
        of
        such Static Pool Information may be in the form customarily provided by the
        Seller, and need not be customized for the Purchaser or any Depositor. Such
        Static Pool Information for each vintage origination year or prior securitized
        pool, as applicable, shall be presented in increments no less frequently
        than
        quarterly over the life of the mortgage loans included in the vintage
        origination year or prior securitized pool. The most recent periodic increment
        must be as of a date no later than one hundred thirty-five (135) days prior
        to the date of the prospectus or other offering document in which the Static
        Pool Information is to be included or incorporated by reference. The Static
        Pool
        Information shall be provided in an electronic format that provides a permanent
        record of the information provided, such as a portable document format (pdf)
        file, or other such electronic format reasonably required by the Purchaser
        or
        the Depositor, as applicable.

       

      Promptly
        following notice or discovery of a material error in Static Pool Information
        provided pursuant to the immediately preceding paragraph (including an omission
        to include therein information required to be provided pursuant to such
        paragraph), the Seller shall provide corrected Static Pool Information to
        the
        Purchaser or any Depositor, as applicable, in the same format in which Static
        Pool Information was previously provided to such party by the
        Seller.

       

      If
        so
        requested by the Purchaser or any Depositor, the Seller shall provide (or,
        as
        applicable, cause each Third-Party Originator to provide), at the expense
        of the
        requesting party (to the extent of any additional incremental expense associated
        with delivery pursuant to this Agreement), such agreed-upon procedures letters
        of certified public accountants reasonably acceptable to the Purchaser or
        Depositor, as applicable, pertaining to Static Pool Information relating
        to
        prior securitized pools for securitizations closed on or after January 1,
        2006 or, in the case of Static Pool Information with respect to the Seller’s or
        Third-Party Originator’s originations or purchases, to calendar months
        commencing January 1, 2006, as the Purchaser or such Depositor shall
        reasonably request. Such letters shall be addressed to and be for the benefit
        of
        such parties as the Purchaser or such Depositor shall designate, which may
        include, by way of example, any Sponsor, any Depositor and any broker dealer
        acting as underwriter, placement agent or initial purchaser with respect
        to a
        Securitization Transaction. Any such statement or letter may take the form
        of a
        standard, generally applicable document accompanied by a reliance letter
        authorizing reliance by the addressees designated by the Purchaser or such
        Depositor.

       

      (c)  [Reserved.]

       

      (d)  If
        so
        requested by the Purchaser or any Depositor for the purpose of satisfying
        its
        reporting obligation under the Exchange Act with respect to any class of
        asset-backed securities, the Seller shall (or shall cause each Third-Party
        Originator to) (i) notify the Purchaser and any Depositor in writing of
        (A) any material litigation or governmental proceedings pending against the
        Seller or any Third-Party Originator and (B) any affiliations or
        relationships that develop following the closing date of a Securitization
        Transaction between the Seller or any Third-Party Originator and any of the
        parties specified in clause (D) of paragraph (a) of this
        Subsection (and any other parties identified in writing by the requesting
        party) with respect to such Securitization Transaction, and (ii) provide to
        the Purchaser and any Depositor a description of such proceedings, affiliations
        or relationships.

       

      Subsection
        33.04  Indemnification.

       

      With
        respect to this Section 33, the Seller shall indemnify the Purchaser, each
        affiliate of the Purchaser, the Depositor and each of the following parties
        participating in a Securitization Transaction: each sponsor and issuing entity;
        each Person responsible for the preparation, execution or filing of any report
        required to be filed with the Commission with respect to such Securitization
        Transaction, or for execution of a certification pursuant to Rule 13a-14(d)
        or Rule 15d-14(d) under the Exchange Act with respect to such
        Securitization Transaction; each broker dealer acting as underwriter, placement
        agent or initial purchaser, each Person who controls any of such parties
        or the
        Depositor (within the meaning of Section 15 of the Securities Act and
        Section 20 of the Exchange Act); and the respective present and former
        directors, officers, employees and agents of each of the foregoing and of
        the
        Depositor, and shall hold each of them harmless from and against any losses,
        damages, penalties, fines, forfeitures, legal fees and expenses and related
        costs, judgments, and any other costs, fees and expenses that any of them
        may
        sustain arising out of or based upon:

       

      (i)  any
        untrue statement of a material fact contained or alleged to be contained
        in any
        information, report, certification, accountants’ letter or other material
        provided in written or electronic form under this Section 33
        by or on
        behalf of the Seller, or provided under this Section 33
        by or on
        behalf of any Third-Party Originator (collectively, the “Seller Information”),
        or (ii) the omission or alleged omission to state in the Seller Information
        a
        material fact required to be stated in the Seller Information or necessary
        in
        order to make the statements therein, in the light of the circumstances under
        which they were made, not misleading; provided, by way of clarification,
        that
        clause (B) of this paragraph shall be construed solely by
        reference to the Seller Information and not to any other information
        communicated in connection with a sale or purchase of securities, without
        regard
        to whether the Seller Information or any portion thereof is presented together
        with or separately from such other information;

       

      (ii)  any
        failure by the Seller or any Third-Party Originator to deliver any information,
        report, certification, accountants’ letter or other material when and as
        required under this Section 33;
        or

       

      (iii)  any
        breach by the Seller of a representation or warranty set forth in Subsection 33.02(a)
        or in a
        writing furnished pursuant to Subsection 33.02(b)
        and made
        as of a date prior to the closing date of the related Securitization
        Transaction, to the extent that such breach is not cured by such closing
        date,
        or any breach by the Seller of a representation or warranty in a writing
        furnished pursuant to Subsection 33.02(b)
        to the
        extent made as of a date subsequent to such closing date.

       

      In
        the
        case of any failure of performance described in clause (a)(ii) of this
        Section, the Seller shall promptly reimburse the Purchaser, any Depositor,
        as
        applicable, and each Person responsible for the preparation, execution or
        filing
        of any report required to be filed with the Commission with respect to such
        Securitization Transaction, or for execution of a certification pursuant
        to
        Rule 13a-14(d) or Rule 15d-14(d) under the Exchange Act with respect
        to such Securitization Transaction, for all costs reasonably incurred by
        each
        such party in order to obtain the information, report, certification,
        accountants’ letter or other material not delivered as required by the Seller or
        any Third-Party Originator.

       

      [Signatures
        Commence on Following Page]

       

      

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

      IN
        WITNESS WHEREOF, the Seller and the Purchaser have caused their names to
        be
        signed hereto by their respective officers thereunto duly authorized as of
        the
        date first above written.

       

      GOLDMAN
        SACHS MORTGAGE COMPANY, 

      a
        New
        York limited partnership

      (Purchaser)

      

      
        	 	
                By:

              	
                GOLDMAN
                  SACHS REAL ESTATE FUNDING CORP., 

                a
                  New York corporation, as General
                  Partner

              

      

       

      By:
        _________________________________ 

      Name:

      Title:

       

      IRWIN
        UNION BANK AND TRUST COMPANY

      (Seller)

       

      By:
        _________________________________

      Name:
        Edwin K. Corbin

      Title:
        Vice-President, Corporate Development & Capital 

      Markets
        -
        Home Equity Lending

       

      Attestation:

       

      By:
        _________________________________

      Name:
        Suzanne R. Mercier

      Title:
        Assistant Secretary -

      Home
        Equity Lending

       

      

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

      

      EXHIBIT
        A

       

      CONTENTS
        OF EACH MORTGAGE FILE

       

      With
        respect to each Mortgage Loan, the Mortgage File shall include each of the
        following items, which shall be available for inspection by the Purchaser
        and
        any prospective Purchaser, and which shall be delivered to the Custodian,
        or to
        such other Person as the Purchaser shall designate in writing, pursuant to
        Section
        6
        of the
        Flow Mortgage Loan Purchase and Warranties Agreement to which this Exhibit
        is
        attached (the “Agreement”):

       

      (a)  the
        original Mortgage Note bearing all intervening endorsements, endorsed “Pay to
        the order of _________, without recourse” and signed in the name of the last
        endorsee (the “Last
        Endorsee”)
        by an
        authorized officer. To the extent that there is no room on the face of the
        Mortgage Notes for endorsements, the endorsement may be contained on an allonge,
        if state law so allows and the Custodian is so advised by the Seller that
        state
        law so allows. If the Mortgage Loan was acquired by the Seller in a merger,
        the
        endorsement must be by “[Last Endorsee], successor by merger to [name of
        predecessor]”. If the Mortgage Loan was acquired or originated by the Last
        Endorsee while doing business under another name, the endorsement must be
        by
“[Last Endorsee], formerly known as [previous name]”;

       

      (b)  the
        original of any guarantee executed in connection with the Mortgage
        Note;

       

      (c)  the
        original Mortgage with evidence of recording thereon. If in connection with
        any
        Mortgage Loan, the Seller cannot deliver or cause to be delivered the original
        Mortgage with evidence of recording thereon on or prior to the related Closing
        Date because of a delay caused by the public recording office where such
        Mortgage has been delivered for recordation or because such Mortgage has
        been
        lost or because such public recording office retains the original recorded
        Mortgage, the Seller shall deliver or cause to be delivered to the Custodian,
        a
        photocopy of such Mortgage, together with (i) in the case of a delay caused
        by the public recording office, an Officer’s Certificate of the Seller (or
        certified by the title company, escrow agent, or closing attorney) stating
        that
        such Mortgage has been dispatched to the appropriate public recording office
        for
        recordation and that the original recorded Mortgage or a copy of such Mortgage
        certified by such public recording office to be a true and complete copy
        of the
        original recorded Mortgage will be promptly delivered to the Custodian upon
        receipt thereof by the Seller; or (ii) in the case of a Mortgage where a
        public recording office retains the original recorded Mortgage or in the
        case
        where a Mortgage is lost after recordation in a public recording office,
        a copy
        of such Mortgage certified by such public recording office to be a true and
        complete copy of the original recorded Mortgage;

       

      (d)  the
        originals of all assumption, modification, consolidation or extension
        agreements, if any, with evidence of recording thereon;

       

      (e)  except
        with respect to each MERS Designated Mortgage Loan, the original Assignment
        of
        Mortgage for each Mortgage Loan, in form and substance acceptable for recording.
        The Assignment of Mortgage must be duly recorded only if recordation is either
        necessary under applicable law or commonly required by private institutional
        mortgage investors in the area where the Mortgaged Property is located or
        on
        direction of the Purchaser as provided in this Agreement. If the Assignment
        of
        Mortgage is to be recorded, the Mortgage shall be assigned to the Purchaser.
        If
        the Assignment of Mortgage is not to be recorded, the Assignment of Mortgage
        shall be delivered in blank. If the Mortgage Loan was acquired by the Seller
        in
        a merger, the Assignment of Mortgage must be made by “[SELLER], successor by
        merger to [name of predecessor]”. If the Mortgage Loan was acquired or
        originated by the Seller while doing business under another name, the Assignment
        of Mortgage must be by “[SELLER], formerly known as [previous
        name]”;

       

      (f)  the
        originals of all intervening assignments of mortgage (if any) evidencing
        a
        complete chain of assignment from the originator to the Last Endorsee (or
        to
        MERS with respect to each MERS Designated Mortgage Loan) with evidence of
        recording thereon, or if any such intervening assignment has not been returned
        from the applicable recording office or has been lost or if such public
        recording office retains the original recorded assignments of mortgage, the
        Seller shall deliver or cause to be delivered to the Custodian, a photocopy
        of
        such intervening assignment, together with (i) in the case of a delay
        caused by the public recording office, an Officer’s Certificate of the Seller
        (or certified by the title company, escrow agent, or closing attorney) stating
        that such intervening assignment of mortgage has been dispatched to the
        appropriate public recording office for recordation and that such original
        recorded intervening assignment of mortgage or a copy of such intervening
        assignment of mortgage certified by the appropriate public recording office
        to
        be a true and complete copy of the original recorded intervening assignment
        of
        mortgage will be promptly delivered to the Custodian upon receipt thereof
        by the
        Seller; or (ii) in the case of an intervening assignment where a public
        recording office retains the original recorded intervening assignment or
        in the
        case where an intervening assignment is lost after recordation in a public
        recording office, a copy of such intervening assignment certified by such
        public
        recording office to be a true and complete copy of the original recorded
        intervening assignment;

       

      (g)  The
        original mortgagee policy of title insurance or, in the event such original
        title policy is unavailable, a certified true copy of the related policy
        binder
        or commitment for title certified to be true and complete by the title insurance
        company; and

       

      (h)  security
        agreement, chattel mortgage or equivalent document executed in connection
        with
        the Mortgage.

       

      In
        the
        event an Officer’s Certificate of the Seller is delivered to the Purchaser
        because of a delay caused by the public recording office in returning any
        recorded document, the Seller shall deliver to the Purchaser, within ninety
        (90)
        days of the related Closing Date, an Officer’s Certificate which shall
        (i) identify the recorded document, (ii) state that the recorded
        document has not been delivered to the Custodian due solely to a delay caused
        by
        the public recording office, (iii) state the amount of time generally
        required by the applicable recording office to record and return a document
        submitted for recordation, and (iv) specify the date the applicable
        recorded document will be delivered to the Custodian. An extension of the
        date
        specified in (iv) above may be requested from the Purchaser, which consent
        shall not be unreasonably withheld.

       

      

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

      

      EXHIBIT
        B

       

      CONTENTS
        OF EACH CREDIT FILE

       

      (a)  The
        original hazard insurance policy and, if required by law, flood insurance
        policy.

       

      (b)  Residential
        loan application.

       

      (c)  Mortgage
        Loan closing statement.

       

      (d)  Verification
        of employment and income (except for Mortgage Loans originated under a Limited
        Documentation Program).

       

      (e)  Credit
        report on the Mortgagor.

       

      (f)  Residential
        appraisal report, if available.

       

      (g)  Photograph
        of the Mortgaged Property.

       

      (h)  Survey
        of
        the Mortgaged Property, if any.

       

      (i)  Copy
        of
        each instrument necessary to complete identification of any exception set
        forth
        in the exception schedule in the title policy, i.e., map or plat, restrictions,
        easements, sewer agreements, home association declarations, etc.

       

      (j)  All
        required disclosure statements.

       

      (k)  If
        available, termite report, structural engineer’s report, water potability and
        septic certification.

       

      (l)  Sales
        contract, if applicable.

       

      (m)  Amortization
        schedule, if applicable.

       

      

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

      

      EXHIBIT
        C

       

      ASSISTANT
        SECRETARY’S CERTIFICATE

       

      I
        hereby
        certify that I am an Assistant Secretary of Irwin Union Bank and Trust Company,
        an Indiana banking corporation (the “Company”)
        and
        further as follows:

       

      1.  Attached
        hereto as Exhibit
        1
        is a
        true, correct and complete copy of the charter of the Company, and all
        amendments thereto, which is in full force and effect on the date
        hereof.

       

      2.  Attached
        hereto as Exhibit
        2
        is a
        true, correct and complete copy of the bylaws of the Company, and all amendments
        thereto, which are in effect on the date hereof.

       

      3.  Attached
        hereto as Exhibit
        3
        is a
        true, correct and complete copy of the Certificate of Existence of the Company
        issued within ten (10) days of the date hereof, and no event has occurred
        since
        _______ that has affected the good standing of the Company under the laws
        of the
        State of Indiana.

       

      4.  Each
        person listed on Exhibit
        5
        attached
        hereto who, as an officer or representative of the Company, signed the
        Agreements and any other document delivered or on the date hereof in connection
        with any purchase described in the agreements set forth above was, at the
        respective times of such signing and delivery, and is now, a duly elected
        or
        appointed, qualified and acting officer or representative of the Company,
        who
        holds the office set forth opposite his or her name on Exhibit
        5,
        and the
        signatures of such persons appearing on such documents are their genuine
        signatures.

       

      5.  The
        Company is duly authorized to engage in the transactions described and
        contemplated in the Agreements.

       

      

       

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

       

      
 

      IN
        WITNESS WHEREOF, I have hereunto signed my name.

       

       

      Dated:  ____________________                                                         
        By:___________________________

      Name:_________________________

      Title: [Assistant]
        Secretary

      

       

      
 

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

       

      EXHIBIT
        5
        to

      Company’s
        Officer’s Certificate

       

      
        	
                NAME

              	
                TITLE

              	
                SIGNATURE

              
	 	 	 
	 	 	 
	 	 	 
	 	 	 
	 	 	 
	 	 	 
	 	 	 

      

      

       

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

      
 

      EXHIBIT
        D

       

      [FORM
        OF OPINION OF COUNSEL TO THE SELLER]
        [GS to
        confirm]

       

      (date)

       

      Goldman
        Sachs Mortgage Company

      85
        Broad
        Street 

      New
        York,
        New York 10004

       

      Dear
        Sirs:

       

      You
        have
        requested [our] [my] opinion, as [Assistant] General Counsel to
        ___________________ (the “Company”),
        with
        respect to certain matters in connection with the sale by the Company of
        the
        Mortgage Loans pursuant to that certain Flow Mortgage Loan Purchase and
        Warranties Agreement by and between the Company and Goldman Sachs Mortgage
        Company (the “Purchaser”),
        dated
        as of _________ __, 200_ (the “Purchase
        Agreement”)
        which
        sale is in the form of whole loans and that certain Flow Interim Servicing
        Agreement by and between the Company and Goldman Sachs Mortgage Company (the
        “Purchaser”),
        dated
        as of _________ __, 200_ (the “Servicing
        Agreement”,
        together with the Purchase Agreement, the “Agreements”).
        Capitalized terms not otherwise defined herein have the meanings set forth
        in
        the Purchase Agreement.

       

      [We]
        [I]
        have examined the following documents:

       

      
        	 	
                1.

              	
                the
                  Agreements;

              

      

       

      
        	 	
                2.

              	
                the
                  form of Assignment of Mortgage;

              

      

       

      
        	 	
                3.

              	
                the
                  form of endorsement of the Mortgage Notes;
                  and

              

      

       

      
        	 	
                4.

              	
                such
                  other documents, records and papers as we have deemed necessary
                  and
                  relevant as a basis for this
                  opinion.

              

      

       

      To
        the
        extent [we] [I] have deemed necessary and proper, [we] [I] have relied upon
        the
        representations and warranties of the Company contained in the Purchase
        Agreement. [We] [I] have assumed the authenticity of all documents submitted
        to
        [us] [me] as originals, the genuineness of all signatures, the legal capacity
        of
        natural persons and the conformity to the originals of all
        documents.

       

      Based
        upon the foregoing, it is [our] [my] opinion that:

       

      
        	 	
                1.

              	
                The
                  Company is a [type of entity] duly organized, validly existing
                  and in good
                  standing under the laws of ___________ and is qualified to transact
                  business in, and is in good standing under, the laws of [the state
                  of
                  incorporation].

              

      

       

      
        	 	
                2.

              	
                The
                  Company has the power to engage in the transactions contemplated
                  by the
                  Agreements and all requisite power, authority and legal right to
                  execute
                  and deliver such Agreements and to perform and observe the terms
                  and
                  conditions of such Agreements.

              

      

       

      
        	 	
                3.

              	
                Each
                  of the Agreements has been duly authorized, executed and delivered
                  by the
                  Company, and is a legal, valid and binding agreement enforceable
                  in
                  accordance with its respective terms against the Company, subject
                  to
                  bankruptcy laws and other similar laws of general application affecting
                  rights of creditors and subject to the application of the rules
                  of equity,
                  including those respecting the availability of specific performance,
                  none
                  of which will materially interfere with the realization of the
                  benefits
                  provided thereunder or with the Purchaser’s ownership of the Mortgage
                  Loans.

              

      

       

      
        	 	
                4.

              	
                The
                  Company has been duly authorized to allow any of its officers to
                  execute
                  any and all documents by original signature in order to complete
                  the
                  transactions contemplated by the
                  Agreements.

              

      

       

      
        	 	
                5.

              	
                The
                  Company has been duly authorized to allow any of its officers to
                  execute
                  by original [or facsimile] signature the endorsements to the Mortgage
                  Notes and the Assignments of Mortgages, and the original [or facsimile]
                  signature of the officer at the Company executing the endorsements
                  to the
                  Mortgage Notes and the Assignments of Mortgages represents the
                  legal and
                  valid signature of said officer of the
                  Company.

              

      

       

      
        	 	
                6.

              	
                Either
                  (i) no consent, approval, authorization or order of any court or
                  governmental agency or body is required for the execution, delivery
                  and
                  performance by the Company of or compliance with the Agreements
                  and the
                  sale of the Mortgage Loans by the Company or the consummation of
                  the
                  transactions contemplated by the Agreements or (ii) any required
                  consent, approval, authorization or order has been obtained by
                  the
                  Company.

              

      

       

      
        	 	
                7.

              	
                Neither
                  the consummation of the transactions contemplated by, nor the fulfillment
                  of the terms of, the Agreements conflicts or will conflict with
                  or results
                  or will result in a breach of or constitutes or will constitute
                  a default
                  under the charter or by-laws of the Company, the terms of any indenture
                  or, to the best of the Company’s knowledge, other agreement or instrument
                  to which the Company is a party or by which it is bound or to which
                  it is
                  subject, or violates any statute or order, rule, regulations, writ,
                  injunction or decree of any court, governmental authority or regulatory
                  body to which the Company is subject or by which it is
                  bound.

              

      

       

      
        	 	
                8.

              	
                There
                  is no action, suit, proceeding or investigation pending or, to
                  the best of
                  [our] [my] knowledge, threatened against the Company which, in
                  [our] [my]
                  judgment, either in any one instance or in the aggregate, may result
                  in
                  any material adverse change in the business, operations, financial
                  condition, properties or assets of the Company or in any material
                  impairment of the right or ability of the Company to carry on its
                  business
                  substantially as now conducted or in any material liability on
                  the part of
                  the Company or which would draw into question the validity of the
                  Agreements to which it is a party or the Mortgage Loans or of any
                  action
                  taken or to be taken in connection with the transactions contemplated
                  thereby, or which would be likely to impair materially the ability
                  of the
                  Company to perform under the terms of the
                  Agreements.

              

      

       

      
        	 	
                9.

              	
                The
                  sale of each Mortgage Note and Mortgage as and in the manner contemplated
                  by the Purchase Agreement and the Servicing Agreement is sufficient
                  to
                  fully transfer to the Purchaser all right, title and interest of
                  the
                  Company thereto as noteholder and
                  mortgagee.

              

      

       

      
        	 	
                10.

              	
                The
                  Mortgages have been duly assigned and the Mortgage Notes have been
                  duly
                  endorsed as provided in Exhibit A to the Purchase Agreement. The
                  Assignments of Mortgage are in recordable form, except for the
                  insertion
                  of the name of the assignee, and upon the name of the assignee
                  being
                  inserted, are acceptable for recording under the laws of the state
                  where
                  each related Mortgaged Property is located. The endorsement of
                  the
                  Mortgage Notes, the delivery to the Purchaser, or its designee,
                  of the
                  Assignments of Mortgage, and the delivery of the original endorsed
                  Mortgage Notes to the Purchaser, or its designee, are sufficient
                  to permit
                  the Purchaser to avail itself of all protection available under
                  applicable
                  law against the claims of any present or future creditors of the
                  Company,
                  and are sufficient to prevent any other sale, transfer, assignment,
                  pledge
                  or hypothecation of the Mortgages and the Mortgage Notes by the
                  Company
                  from being enforceable.

              

      

       

      This
        opinion is given to you for your sole benefit, and no other person or entity
        is
        entitled to rely hereon except that the purchaser or purchasers to which
        you
        initially and directly resell the Mortgage Loans may rely on this opinion
        as if
        it were addressed to them as of its date.

       

      Very
        truly yours,

       

      _____________________________

      [Name]

      [Assistant]
        General Counsel

       

      

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

       

      EXHIBIT
        E

       

      FORM
        OF SECURITY RELEASE CERTIFICATION

      

       

      ___________________,
        200__

       

      [Federal
        Home Loan Bank of

      ______
        (the “Association”)]

      ________________________

      ________________________

      ________________________

       

      Attention: ___________________________

      ___________________________

       

      Re: Notice
        of Sale and Release of Collateral

       

      Dear
        Sirs:

       

      This
        letter serves as notice that ________________________ [COMPANY] a [type of
        entity], organized pursuant to the laws of [the state of incorporation] (the
        “Company”)
        has
        committed to sell to Goldman Sachs Mortgage Company under a Flow Mortgage
        Loan
        Purchase and Warranties Agreement, dated as of ______ __, 200_, certain mortgage
        loans originated by the Association. The Company warrants that the mortgage
        loans to be sold to Goldman Sachs Mortgage Company are in addition to and
        beyond
        any collateral required to secure advances made by the Association to the
        Company.

       

      The
        Company acknowledges that the mortgage loans to be sold to Goldman Sachs
        Mortgage Company shall not be used as additional or substitute collateral
        for
        advances made by the Association. Goldman Sachs Mortgage Company understands
        that the balance of the Company’s mortgage loan portfolio may be used as
        collateral or additional collateral for advances made by the Association,
        and
        confirms that it has no interest therein.

       

      Execution
        of this letter by the Association shall constitute a full and complete release
        of any security interest, claim, or lien which the Association may have against
        the mortgage loans to be sold to Goldman Sachs Mortgage Company.

       

      Very
        truly yours,

       

      ____________________________

       

      By:  

      Name:

      Title:

      Date:

       

      Acknowledged
        and approved:

       

      __________________________

       

       

      By:______________________________

      Name:

      Title:
        

      Date:

       

      

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

      

      EXHIBIT
        F

       

      FORM
        OF SECURITY RELEASE CERTIFICATION

       

      I.  Release
        of Security Interest

       

      The
        financial institution named below hereby relinquishes any and all right,
        title
        and interest it may have in all Mortgage Loans to be purchased by Goldman
        Sachs
        Mortgage Company from [SELLER] (the “Company”)
        pursuant to that certain Flow Mortgage Loan Purchase and Warranties Agreement,
        dated as of [______ __], 200[_], and certifies that all notes, mortgages,
        assignments and other documents in its possession relating to such Mortgage
        Loans have been delivered and released to Goldman Sachs Mortgage Company
        or its
        designees, as of the date and time of the sale of such Mortgage Loans to
        Goldman
        Sachs Mortgage Company.

       

      Name
        and
        Address of Financial Institution

       

      [FINANCIAL
        INSTITUTION]

      [ADDRESS]

       

      By:
        ________________________________

      Name:

      Title:

       

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

      II.  Certification
        of Release

       

      The
        Company named below hereby certifies to Goldman Sachs Mortgage Company that,
        as
        of the date and time of the sale of the above-mentioned Mortgage Loans, the
        security interests in the Mortgage Loans released by the above-named financial
        institution comprise all security interests relating to or affecting any
        and all
        such Mortgage Loans. The Company warrants that, as of such time, there are
        and
        will be no other security interests affecting any or all of such Mortgage
        Loans.

       

      [SELLER]

       

      By:
        ________________________________

      Name:

      Title:

       

      

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

       

      

       

      EXHIBIT
        G

       

      FORM
        OF ASSIGNMENT AND ASSUMPTION AGREEMENT

       

      ASSIGNMENT
        AND ASSUMPTION AGREEMENT, dated ______________, between
        __________________________________, a ___________________ corporation
        (“Assignor”)
        and
        ________________________________, a __________________ corporation
        (“Assignee”):

       

      For
        good
        and valuable consideration the receipt and sufficiency of which hereby are
        acknowledged, and of the mutual covenants herein contained, the parties hereto
        hereby agree as follows:

       

      1. The
        Assignor hereby grants, transfers, conveys and assigns to Assignee, as
        Purchaser, all of the right, title and interest of Assignor with respect
        to the
        mortgage loans listed on Exhibit
        A
        attached
        hereto (the “Mortgage Loans”), and with respect to such Mortgage Loans, in, to
        and under (a) that certain Flow Mortgage Loan Purchase and Warranties
        Agreement dated as of ______________, 200_ and (b) that certain Flow Interim
        Servicing Agreement dated as of ______________, 200_, between the Purchaser
        and
        ________________________ (the “Servicing
        Agreement”
and,
        together with the Purchase Agreement, the “Agreements”).

       

      2. The
        Assignor warrants and represents to, and covenants with, the Assignee
        that:

       

      a.  The
        Assignor is the lawful owner of the Mortgage Loans with the full right to
        transfer the Mortgage Loans free from any and all claims and encumbrances
        whatsoever;

       

      b.  The
        Assignor has not received notice of, and has no knowledge of, any offsets,
        counterclaims or other defenses available to the Seller with respect to the
        Agreements or the Mortgage Loans;

       

      c.  The
        Assignor has not waived or agreed to any waiver under, or agreed to any
        amendment or other modification of, the Agreements. The Assignor has no
        knowledge of, and has not received notice of, any waivers under or amendments
        or
        other modifications of, or assignments of rights or obligations under, the
        Agreements; and

       

      d.  Neither
        the Assignor nor anyone acting on its behalf has offered, transferred, pledged,
        sold or otherwise disposed of the Mortgage Loans or any interest in the Mortgage
        Loans, or solicited any offer to buy or accept a transfer, pledge or other
        disposition of the Mortgage Loans, or any interest in the Mortgage Loans
        or
        otherwise approached or negotiated with respect to the Mortgage Loans, or
        any
        interest in the Mortgage with any person in any manner, or made any general
        solicitation by means of general advertising or in any other manner, or taken
        any other action which would constitute a distribution of the Mortgage Loans
        under the Securities Act of 1933, as amended (the “1933
        Act”)
        or
        which would render the disposition of the Mortgage Loans a violation of Section
        5 of the 1933 Act or require registration pursuant thereto.

       

      3. The
        Assignee warrants and represents to, and covenants with, the Assignor and
        the
        Seller pursuant to the Agreements that:

       

      a.  The
        Assignee is a corporation duly organized, validly existing and in good standing
        under the laws of the jurisdiction of its incorporation, and has all requisite
        corporate power and authority to acquire, own and purchase the Mortgage
        Loans;

       

      b.  The
        Assignee has full corporate power and authority to execute, deliver and perform
        under this Assignment and Assumption Agreement, and to consummate the
        transactions set forth herein. The execution, delivery and performance of
        the
        Assignee of this Assignment and Assumption Agreement, and the consummation
        by it
        of the transactions contemplated hereby, have been duly authorized by all
        necessary corporate action of the Assignee. This Assignment and Assumption
        Agreement has been duly executed and delivered by the Assignee and constitutes
        the valid and legally binding obligation of the Assignee enforceable against
        the
        Assignee in accordance with its respective terms;

       

      c.  To
        the
        best of Assignee’s knowledge, no material consent, approval, order or
        authorization of, or declaration, filing or registration with, any governmental
        entity is required to be obtained or made by the Assignee in connection with
        the
        execution, delivery or performance by the Assignee of this Assignment and
        Assumption Agreement, or the consummation by it of the transactions contemplated
        hereby;

       

      d.  The
        Assignee agrees to be bound, as Purchaser, by all of the terms, covenants
        and
        conditions of the Agreements, the Mortgage Loans, and from and after the
        date
        hereof, the Assignee assumes for the benefit of each of the Seller, the Assignor
        and the Custodian all of the Assignor’s obligations as Purchaser thereunder;
        including, without limitation, the limitation on assignment set forth in
        Section
        22
        of the
        Purchase Agreement;

       

      e.  The
        Assignee understands that the Mortgage Loans have not been registered under
        the
        1933 Act or the securities laws of any state;

       

      f.  The
        purchase price being paid by the Assignee for the Mortgage Loans is in excess
        of
        $250,000 and will be paid by cash remittance of the full purchase price within
        sixty (60) days of the sale;

       

      g.  The
        Assignee is acquiring the Mortgage Loans for investment for its own account
        only
        and not for any other person;

       

      h.  The
        Assignee considers itself a substantial, sophisticated institutional investor
        having such knowledge and experience in financial and business matters that
        it
        is capable of evaluating the merits and risks of investment in the Mortgage
        Loans;

       

      i.  The
        Assignee has been furnished with all informa-tion regarding the Mortgage
        Loans
        that it has requested from the Assignor or the Seller;

       

      j.  Neither
        the Assignee nor anyone acting on its behalf has offered, transferred, pledged,
        sold or otherwise disposed of the Mortgage Loans or any interest in the Mortgage
        Loans, or solicited any offer to buy or accept a transfer, pledge or other
        disposition of the Mortgage Loans or any interest in the Mortgage Loans,
        or
        otherwise approached or negotiated with respect to the Mortgage Loans or
        any
        interest in the Mortgage Loans with any person in any manner which would
        constitute a distribution of the Mortgage Loans under the 1933 Act or which
        would render the disposition of the Mortgage Loans a violation of Section
        5 of
        the 1933 Act or require registration pursuant thereto, nor will it act, nor
        has
        it authorized or will it authorize any person to act, in such manner with
        respect to the Mortgage Loans; and

       

      k.  Either:
        (1) the Assignee is not an employee benefit plan (“Plan”)
        within
        the meaning of section 3(3) of the Employee Retirement Income Security Act
        of
        1974, as amended (“ERISA”)
        or a
        plan (also “Plan”)
        within
        the meaning of section 4975(e)(1) of the Internal Revenue Code of 1986, as
        amended (“Code”),
        and
        the Assignee is not directly or indirectly purchasing the Mortgage Loans
        on
        behalf of, investment manager of, as named fiduciary of, as Trustee of, or
        with
        assets of, a Plan; or (2) the Assignee’s purchase of the Mortgage Loans
        will not result in a prohibited transaction under section 406 of ERISA or
        section 4975 of the Code.

       

      4. (a)  The
        Assignee’s address for purposes of all notices and correspondence related to the
        Mortgage Loans, this Assignment and Assumption Agreement and the Agreements
        is:

       

      The
        Assignee’s wire instructions for purposes of all remittances and payments
        related to the Mortgage Loans are:

       

      (b) The
        Assignor’s address for purposes for all notices and correspondence related to
        the Mortgage Loans and this Assignment and Assumption Agreement is:

       

      5. This
        Assignment and Assumption Agreement shall be construed in accordance with
        the
        laws of the State of New York and the obligations, rights and remedies of
        the
        parties hereunder shall be determined in accordance with such laws, except
        to
        the extent preempted by federal law.

       

      6. This
        Assignment and Assumption Agreement shall inure to the benefit of the successors
        and assigns of the parties hereto. This Assignment and Assumption Agreement
        may
        not be assigned by the Assignee without the express written consent of the
        Assignor. Any entity into which the Assignor or Assignee may be merged or
        consolidated shall, without the requirement for any further writing, be deemed
        the Assignor or Assignee, respectively, hereunder.

       

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

       

      8. This
        Assignment and Assumption Agreement shall survive the conveyance of the Mortgage
        Loans and the assignment of the Agreements by the Assignor.

       

      9. Notwithstanding
        the assignment of the Agreements by either the Assignor or Assignee, this
        Assignment and Assumption Agreement shall not be deemed assigned by the Assignor
        or the Assignee unless assigned by separate written instrument.

       

      10. For
        the
        purpose for facilitating the execution of this Assignment and Assumption
        Agreement as herein provided and for other purposes, this Assignment and
        Assumption Agreement may be executed simultaneously in any number of
        counterparts, each of which counterparts shall be deemed to be an original,
        and
        such counterparts shall constitute and be one and the same
        instrument.

       

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

      IN
        WITNESS WHEREOF, the parties have caused this Assignment and Assumption
        Agreement to be executed by their duly authorized officers as of the date
        first
        above written.

       

       

      
        	_________________________________ 	 	_________________________________
	Assignor	 	Assignee
	 	 	 
	By:
                _________________________________ 	 	By:
                _________________________________
	Name:	 	Name: 
	Title:	 	Title:
	 	 	 
	Taxpayer Identification
                No. _______________	 	Taxpayer Identification No.
                _______________
	 	 	 

      

       

       

       

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

       

       

      EXHIBIT
        H

       

      [RESERVED]

       

      

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

      

      EXHIBIT
        I

       

      ASSIGNMENT
        AND CONVEYANCE

       

      On
        this
        __ day of _________, 200_, [SELLER], as the Seller, under that certain Flow
        Mortgage Loan Purchase and Warranties Agreement, dated as of [Date]
        (the
“Agreement”)
        does
        hereby sell, transfer, assign, set over and convey to Goldman Sachs Mortgage
        Company, as Purchaser under the Agreement all rights, title and interest
        of the
        Seller in and to (a) the Mortgage Loans listed on the related Mortgage Loan
        Schedule attached as Exhibit
        1
        hereto,
        and (b) the Servicing Rights, together with the related Mortgage Files and
        all
        rights and obligations arising under the documents contained therein. Pursuant
        to Subsection
        6.03
        of the
        Agreement, the Seller has delivered to the Custodian the documents for each
        Mortgage Loan to be purchased as set forth in the Agreement. The ownership
        of
        each Mortgage Note, Mortgage, and the contents of each Mortgage File is vested
        in the Purchaser and the ownership of all records and documents with respect
        to
        the related Mortgage Loan prepared by or which come into the possession of
        the
        Seller shall immediately vest in the Purchaser and shall be delivered promptly
        by the Seller to the Purchaser. The Mortgage Loans have the pool characteristics
        set forth on Exhibit 2 hereto.

       

      The
        Seller confirms to the Purchaser that, unless otherwise agreed upon in writing
        by the Seller and the Purchaser, the representations and warranties set forth
        in
Subsection
        9.02
        of the
        Agreement with respect to the Mortgage Loans listed on the Mortgage Loan
        Schedule attached hereto, and the representations and warranties in Subsection
        9.01
        of the
        Agreement with respect to the Seller are true and correct as of the date
        hereof.

       

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

       

      [SELLER]

      (Seller)

       

      By:
        ______________________________

      Name:

      Title:

       

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

       

      Exhibit
        1
        to Assignment and Conveyance

       

      Mortgage
        Loan Schedule

       

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

       

      
 

      Exhibit
        2
        to Assignment and Conveyance

       

      Pool
        Characteristics of the Mortgage Loans as delivered on the Closing
        Date

       

      

       

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

       

      

      EXHIBIT
        J

       

      FORM
        OF INDEMNIFICATION AGREEMENT

       

      THIS
        INDEMNIFICATION AND CONTRIBUTION AGREEMENT dated [_______], 200___
        (“Agreement”) between GS Mortgage Securities Corp., a Delaware corporation (the
“Depositor”), and [___________________], a [_________] corporation (the
“Indemnifying Party”).

       

      W I T N E&#1
        60;S S E T H:

       

      WHEREAS,
        the Indemnifying Party or its Affiliate originated or acquired the Mortgage
        Loans and subsequently sold the Mortgage Loans to an Affiliate of the Depositor
        in anticipation of the securitization transaction; and

       

      WHEREAS,
        as an inducement to the Depositor to enter into the Assignment and Recognition
        Agreement, to the Underwriter[s] to enter into the Underwriting Agreement
        (as
        defined herein), and to the Initial Purchaser[s] to enter into the Certificate
        Purchase Agreement (as defined herein), the Indemnifying Party wishes to
        provide
        for indemnification and contribution on the terms and conditions hereinafter
        set
        forth; 

       

      NOW,
        THEREFORE, in consideration of the foregoing and of other good and valuable
        consideration, the receipt and sufficiency of which are hereby acknowledged,
        the
        parties hereto agree as follows:

       

      SECTION
        1.  DEFINITIONS

       

      Subsection1.01
          Certain
        Defined Terms.
        The
        following terms shall have the meanings set forth below, unless the context
        clearly indicates otherwise:

       

      1933
        Act:
        The
        Securities Act of 1933, as amended.

       

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

       

      ABS
        Informational and Computational Material:
        Any
        written communication as defined in Item 1101(a) of Regulation AB under the
        1933
        Act and the 1934 Act, as amended from time to time.

       

      Agreement:
        This
        Indemnification and Contribution Agreement, as the same may be amended in
        accordance with the terms hereof.

       

      Certificate
        Purchase Agreement:
        The
        Purchase Agreement, dated as of [______], 200___, [among] the Depositor and
        the
        Initial Purchaser[s], relating to the Privately Offered
        Certificates.

       

      Free
        Writing Prospectus:
        Any
        written communication that constitutes a “free writing prospectus,” as defined
        in Rule 405 under the 1933 Act.

       

      GSMC:
        Goldman
        Sachs Mortgage Company, a New York limited partnership, and its successors
        and
        assigns.

       

      Indemnified
        Parties:
        As
        defined in Section 3.01.

       

      Indemnifying
        Party Information:
        (A) All information in the Prospectus Supplement, the Offering Circular,
        ABS Informational and Computational Material or any Free Writing Prospectus
        or
        any amendment or supplement thereto, (i) contained under the headings
        [“Transaction Overview—Parties—The Responsible Party”] and [“The Mortgage Loan
        Pool—Underwriting Guidelines”] and (ii) regarding the Mortgage Loans, the
        related Mortgagors and/or the related Mortgaged Properties (but in the case
        of
        this clause (ii), only to the extent any untrue statement or omission or
        alleged
        untrue statement or omission arises from or is based upon errors or omissions
        in
        the information concerning the Mortgage Loans, the related Mortgagors and/or
        the
        related Mortgaged Properties, as applicable, provided to the Depositor or
        any
        Affiliate thereof by or on behalf of the Indemnifying Party or any Affiliate
        thereof), and (B) [and static pool information regarding mortgage loans
        originated or acquired by the Seller [and included in the Prospectus Supplement,
        the Offering Circular, ABS Informational and Computational Material or the
        Free
        Writing Prospectus] [incorporated by reference from the website located at
        ______________].

       

      Offering
        Circular:
        The
        offering circular, dated [_______], 200___, relating to the private offering
        of
        the Privately Offered Certificates.

       

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

       

      Pooling
        and Servicing Agreement:
        The
        Pooling and Servicing Agreement, dated as of [_______], 200___, among the
        Depositor, the Indemnifying Party, [Servicer], as servicer, and [Trustee],
        as
        trustee.

       

      Privately
        Offered Certificates:
        [__________________], issued pursuant to the Pooling and Servicing
        Agreement.

       

      Prospectus
        Supplement:
        The
        prospectus supplement, dated [______], 200___, relating to the public
        offering of the Publicly Offered Certificates.

       

      Publicly
        Offered Certificates:
        [______________________________], issued pursuant to the Pooling and Servicing
        Agreement.

       

      Regulation
        AB:
        Subpart
        229.1100 - Asset Backed Securities (Regulation AB), 17 C.F.R.
§§229.1100-229.1123, as such may be amended from time to time, and subject
        to
        such clarification and interpretation as have been provided by the Commission
        in
        the adopting release (Asset-Backed Securities, Securities Act Release No.
        33-8518, 70 Fed. Reg. 1,506, 1,531 (Jan. 7, 2005)) or by the staff of the
        Commission, or as may be provided by the Commission or its staff from time
        to
        time.

       

      Underwriters:
        Goldman, Sachs & Co., a New York limited partnership[, and [____________], a
        [___________] corporation], and their successors and assigns.

       

      Underwriting
        Agreement:
        The
        Underwriting Agreement, dated as of [________], 200__, [among] the Depositor
        and
        the Underwriter[s], relating to the Publicly Offered Certificates.

       

      Other
        Terms.
        Capitalized terms used but not defined herein shall have the meanings assigned
        to such terms in the Pooling and Servicing Agreement.

       

      SECTION
        2.  REPRESENTATIONS
        AND WARRANTIES. 

       

      (a)  Each
        party hereto represents and warrants that it has all requisite corporate
        power
        and authority to execute, deliver and perform its obligations under this
        Agreement;

       

      (b)  Each
        party hereto represents and warrants that this Agreement has been duly
        authorized, executed and delivered by such party; 

       

      (c)  Each
        party hereto represents and warrants that assuming the due authorization,
        execution and delivery by each other party hereto, this Agreement constitutes
        the legal, valid and binding obligation of such party; and

       

      (d)  The
        Indemnifying Party hereto represents that the Indemnifying Party Information
        satisfies the requirements of the applicable provisions of Regulation
        AB.

       

      SECTION
        3.  INDEMNIFICATION

       

      Subsection3.01
          Indemnification
        by the Indemnifying Party of the Depositor and the Underwriters.
        

       

      (a)  The
        Indemnifying Party shall indemnify and hold harmless the Depositor, GSMC,
        [each
        of] the Underwriter[s], the Initial Purchaser[s], and their respective
        Affiliates and their respective present and former directors, officers, partners
        and each Person, if any, that controls the Depositor, GSMC, such Underwriter,
        such Initial Purchaser, or such Affiliate, within the meaning of either the
        1933
        Act or the 1934 Act (collectively, the “Indemnified Parties”) against any and
        all losses, claims, damages, penalties, fines, forfeitures, or liabilities,
        joint or several, to which each such Indemnified Party may become subject,
        under
        the 1933 Act, the 1934 Act or otherwise, to the extent that such losses,
        claims,
        damages, penalties, fines, forfeitures, or liabilities (or actions in respect
        thereof) arise out of or are based upon (i) any breach of the representation
        and
        warranty set forth in Section 2(d) above or (ii) any untrue statement or
        alleged
        untrue statement of any material fact contained in the Prospectus Supplement,
        the Offering Circular, the ABS Informational and Computational Material,
        any
        Free Writing Prospectus or any amendment or supplement thereto, or arise
        out of
        or are based upon the omission or alleged omission to state therein a material
        fact required to be stated therein or necessary to make the statements therein,
        in light of the circumstances in which they were made, not misleading, to
        the
        extent that such untrue statement or alleged untrue statement or omission
        or
        alleged omission relates to information set forth in the Indemnifying Party
        Information, and the Indemnifying Party shall in each case reimburse each
        Indemnified Party for any legal or other expenses reasonably incurred by
        such
        Indemnified Party in connection with investigating or defending any such
        loss,
        claim, damage, liability, penalties, fines, forfeitures, or action. The
        Indemnifying Party’s liability under this Section 3.01
        shall be
        in addition to any other liability that the Indemnifying Party may otherwise
        have.

       

      (b)  If
        the
        indemnification provided for in this Section
        3.01
        shall
        for any reason be unavailable to an Indemnified Party under this Section
        3.01,
        then
        the party which would otherwise be obligated to indemnify with respect thereto,
        on the one hand, and the parties which would otherwise be entitled to be
        indemnified, on the other hand, shall contribute to the aggregate losses,
        liabilities, claims, damages and expenses of the nature contemplated herein
        and
        incurred by the parties hereto in such proportions that are appropriate to
        reflect the relative fault of the Depositor, GSMC, the Underwriter[s], and
        the
        Initial Purchaser[s], on one hand, and the Indemnifying Party, on the other
        hand, in connection with the applicable misstatements or omissions as well
        as
        any other relevant equitable considerations. Notwithstanding the foregoing,
        no
        Person guilty of fraudulent misrepresentation (within the meaning of Section
        11(f) of the 1933 Act) shall be entitled to contribution from any Person
        that
        was not guilty of such fraudulent misrepresentation. For purposes of this
        Section
        3.01,
        each
        director, officer, partner and controlling Person, of the Depositor, GSMC,
        the
        Underwriter[s] and the Initial Purchaser[s] and their respective Affiliates
        shall have the same rights to contribution as such Person.

       

      Subsection3.02
          Notification;
        Procedural Matters.
        Promptly after receipt by an Indemnified Party under Section
        3.01
        of
        notice of any claim or the commencement of any action, such Indemnified Party
        shall, if a claim in respect thereof is to be made against the Indemnifying
        Party under Section
        3.01,
        notify
        the Indemnifying Party (or other contributing party) in writing of the claim
        or
        the commencement of such action; provided, however, that the failure to notify
        the Indemnifying Party (or other contributing party) shall not relieve it
        from
        any liability which it may have under Section
        3.01
        except
        to the extent it has been materially prejudiced by such failure; and provided
        further, however, that the failure to notify the Indemnifying Party shall
        not
        relieve it from any liability which it may have to any Indemnified Party
        otherwise than under Section
        3.01.
        In case
        any such action is brought against any Indemnified Party and it notifies
        the
        Indemnifying Party of the commencement thereof, the Indemnifying Party shall
        be
        entitled to participate therein and, to the extent that, by written notice
        delivered to the Indemnified Party promptly after receiving the aforesaid
        notice
        from such Indemnified Party, the Indemnifying Party elects to assume the
        defense
        thereof, it may participate with counsel reasonably satisfactory to such
        Indemnified Party; provided, however, that if the defendants in any such
        action
        include both the Indemnified Party and the Indemnifying Party and the
        Indemnified Party or parties shall reasonably have concluded that there may
        be
        legal defenses available to it or them and/or other Indemnified Parties that
        are
        different from or additional to those available to the Indemnifying Party,
        the
        Indemnified Party or parties shall have the right to select separate counsel
        to
        assert such legal defenses and to otherwise participate in the defense of
        such
        action on behalf of such Indemnified Party or parties. Upon receipt of notice
        from the Indemnifying Party to such Indemnified Party of its election so
        to
        assume the defense of such action and approval by the Indemnified Party of
        such
        counsel, the Indemnifying Party shall not be liable to such Indemnified Party
        under this paragraph for any legal or other expenses subsequently incurred
        by
        such Indemnified Party in connection with the defense thereof, unless
        (i) the Indemnified Party shall have employed separate counsel (plus any
        local counsel) in connection with the assertion of legal defenses in accordance
        with the proviso to the immediately preceding sentence, (ii) the
        Indemnifying Party shall not have employed counsel reasonably satisfactory
        to
        the Indemnified Party to represent the Indemnified Party within a reasonable
        time after notice of commencement of the action or (iii) the Indemnifying
        Party shall have authorized the employment of counsel for the Indemnified
        Party
        at the expense of the Indemnifying Party. No party shall be liable for
        contribution with respect to any action or claim settled without its consent,
        which consent shall not be unreasonably withheld. In no event shall the
        Indemnifying Party be liable for the fees and expenses of more than one counsel
        representing
        the Indemnified Parties (in
        addition to any local counsel) separate from its own counsel for all Indemnified
        Parties in connection with any one action or separate but similar or related
        actions in the same jurisdiction arising out of the same general allegations
        or
        circumstances.

       

      SECTION
        4.  GENERAL.

       

      Subsection4.01
          Survival.
        This
        Agreement and the obligations of the parties hereunder shall survive the
        purchase and sale of the Publicly Offered Certificates and the Privately
        Offered
        Certificates.

       

      Subsection4.02
          Successors.
        This
        Agreement shall inure to the benefit of and be binding upon the parties hereto,
        each Indemnified Party and their respective successors and assigns, and no
        other
        Person shall have any right or obligation hereunder.

       

      Subsection4.03
          Applicable
        Law.
        This
        Agreement shall be governed by and construed in accordance with the laws
        of the
        State of New York without giving effect to principles of conflict of
        laws.

       

      Subsection4.04
          Miscellaneous.
        Neither
        this Agreement nor any term hereof may be changed, waived, discharged or
        terminated except by a writing signed by the party against which enforcement
        of
        such change, waiver, discharge or termination is sought. This Agreement may
        be
        signed in any number of counterparts, each of which shall be deemed an original,
        which taken together shall constitute one and the same instrument.

       

      Subsection4.05
          Notices.
        All
        communications hereunder shall be in writing and shall be deemed to have
        been
        duly given when delivered to (a) in the case of the Depositor, GSMC, the
        Underwriter[s], or the Initial Purchaser[s], GS Mortgage Securities Corp.,
        Goldman Sachs Mortgage Company or Goldman, Sachs & Co. c/o Goldman, Sachs
& Co., 85 Broad Street, New York, New York 10004, Attention: Principal
        Finance Group/Christopher M. Gething, and (b) in the case of the
        Indemnifying Party: [______________], [Address], Attention:
        [____________].

       

      Subsection4.06
          Submission
        To Jurisdiction; Waivers.
        The
        Indemnifying Party hereby irrevocably and unconditionally:

       

      (A)  SUBMITS
        FOR ITSELF AND ITS PROPERTY IN ANY LEGAL ACTION OR PROCEEDING RELATING TO
        THIS
        AGREEMENT, OR FOR RECOGNITION AND ENFORCEMENT OF ANY JUDGMENT IN RESPECT
        THEREOF, TO THE NON-EXCLUSIVE GENERAL JURISDICTION OF THE COURTS OF THE STATE
        OF
        NEW YORK, THE FEDERAL COURTS OF THE UNITED STATES OF AMERICA FOR THE SOUTHERN
        DISTRICT OF NEW YORK, AND APPELLATE COURTS FROM ANY THEREOF;

       

      (B)  CONSENTS
        THAT ANY SUCH ACTION OR PROCEEDING MAY BE BROUGHT IN SUCH COURTS AND, TO
        THE
        EXTENT PERMITTED BY LAW, WAIVES ANY OBJECTION THAT IT MAY NOW OR HEREAFTER
        HAVE
        TO THE VENUE OF ANY SUCH ACTION OR PROCEEDING IN ANY SUCH COURT OR THAT SUCH
        ACTION OR PROCEEDING WAS BROUGHT IN AN INCONVENIENT COURT AND AGREES NOT
        TO
        PLEAD OR CLAIM THE SAME;

       

      (C)  AGREES
        THAT SERVICE OF PROCESS IN ANY SUCH ACTION OR PROCEEDING MAY BE EFFECTED
        BY
        MAILING A COPY THEREOF BY REGISTERED OR CERTIFIED MAIL (OR ANY SUBSTANTIALLY
        SIMILAR FORM OF MAIL), POSTAGE PREPAID, TO ITS ADDRESS SET FORTH HEREIN OR
        AT
        SUCH OTHER ADDRESS OF WHICH THE DEPOSITOR SHALL HAVE BEEN NOTIFIED;
        AND

       

      (D)  AGREES
        THAT NOTHING HEREIN SHALL AFFECT THE RIGHT TO EFFECT SERVICE OF PROCESS IN
        ANY
        OTHER MANNER PERMITTED BY LAW OR SHALL LIMIT THE RIGHT TO SUE IN ANY OTHER
        JURISDICTION.

       

      [SIGNATURE
        PAGE FOLLOWS]

       

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

       

      
 

      IN
        WITNESS WHEREOF, the parties have executed this Agreement by their duly
        authorized officers as of the date first above written.

       

      GS
        MORTGAGE SECURITIES CORP.

       

      By:
        _______________________________

      Name:

      Title:

       

      [INDEMNIFYING
        PARTY]

       

      By:
        _______________________________

      Name:

      Title:

    

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

    

    

      ASSIGNMENT
        AND RECOGNITION AGREEMENT

       

      THIS
        ASSIGNMENT AND RECOGNITION AGREEMENT, dated February 28, 2007 (“Agreement”),
        among
        Goldman Sachs Mortgage Company (the “Assignor”),
        GS
        Mortgage Securities Corp. (the “Assignee”)
        and
        Irwin Union Bank and Trust Company (the “Company”):

       

      For
        and
        in consideration of the sum of TEN DOLLARS ($10.00) and other valuable
        consideration the receipt and sufficiency of which hereby are acknowledged,
        and
        of the mutual covenants herein contained, the parties hereto hereby agree
        as
        follows:

       

      Assignment
        and Conveyance

       

      1.  The
        Assignor hereby conveys, sells, grants, transfers and assigns to the Assignee
        (x) all of the right, title and interest of the Assignor, as purchaser, in,
        to
        and under (a) those certain Mortgage Loans listed on the schedule (the
“Mortgage
        Loan Schedule”)
        attached hereto as Exhibit A (the “Mortgage
        Loans”)
        including, without limitation, interest and principal payments after February
        1,
        2007 and (b) except as described below, that certain Flow Mortgage Loan Purchase
        and Warranties Agreement, dated as of September 1, 2006 (the “Purchase
        Agreement”),
        between the Assignor, as purchaser (the “Purchaser”),
        and
        the Company, as seller, solely insofar as the Purchase Agreement relates
        to the
        Mortgage Loans and (y) other than as provided below with respect to the
        enforcement of representations and warranties, none of the obligations of
        the
        Assignor under the Purchase Agreement. The Assignor hereby agrees that it
        will
        (i) deliver possession of notes evidencing the Mortgage Loans to, or at the
        direction of, the Assignee or its designee and (ii) take in a timely manner
        all
        necessary steps under all applicable laws to convey and to perfect the
        conveyance of the Mortgage Loans as required under the Pooling Agreement
        (as
        defined below).

       

      The
        Assignor specifically reserves and does not assign to the Assignee hereunder
        (i)
        any and all right, title and interest in, to and under and any obligations
        of
        the Assignor with respect to any mortgage loans subject to the Purchase
        Agreement that are not the Mortgage Loans set forth on the Mortgage Loan
        Schedule and are not the subject of this Agreement or (ii) the rights of
        the
        Purchaser under Section 13 and Subsection 14.01 of the Purchase
        Agreement.

       

      Recognition
        of the Company

       

      2. From
        and
        after the date hereof (the “Securitization
        Closing Date”),
        the
        Company shall and does hereby recognize that the Assignee will transfer the
        Mortgage Loans and assign its rights under the Purchase Agreement (solely
        to the
        extent set forth herein) and this Agreement to GSAA Home Equity Trust 2007-S1
        (the “Trust”)
        created pursuant to a Pooling and Servicing Agreement, dated as of February
        1,
        2007 (the “Pooling
        Agreement”),
        among
        the Assignee, Deutsche Bank National Trust Company, as trustee (including
        its
        successors in interest and any successor trustees under the
        Pooling Agreement, the “Trustee”),
        Specialized
        Loan Servicing LLC, as a servicer, (including its successors in interest
        and any
        successor servicers under the Pooling Agreement, “SLS”),
        Ocwen
        Loan Servicing, LLC, as a servicer (including its successors in interest
        and any
        successor servicers under the Pooling Agreement, “Ocwen”),
        Avelo
        Mortgage, L.L.C. (including its successors in interest and any successor
        servicers under the Pooling Agreement, “Avelo”
and
        Avelo collectively with SLS and Ocwen, the “Servicers”),
        Wells
        Fargo Bank, N.A., as master servicer (including
        its successors in interest and any successor master servicers under the
        Pooling Agreement, the “Master
        Servicer”)
        and
        U.S. Bank National Association, as a custodian (including its successors
        in
        interest and any successor custodian of the Mortgage Loans under the Pooling
        Agreement, the “Custodian”).
        The
        Company hereby acknowledges and agrees that from and after the date hereof
        (i)
        the Trust will be the owner of the Mortgage Loans, (ii) the Company shall
        look
        solely to the Trust for performance of any obligations of the Assignor insofar
        as they relate to the enforcement of the representations, warranties and
        covenants with respect to the Mortgage Loans, (iii) the Trust (including
        the
        Trustee, the Custodian, the Master Servicer and the Servicers acting on the
        Trust’s behalf) shall have all the rights and remedies available to the
        Assignor, insofar as they relate to the Mortgage Loans, under the Purchase
        Agreement, including, without limitation, the enforcement of the document
        delivery requirements set forth in Subsection 6.03 of the Purchase Agreement,
        and shall be entitled to enforce all of the obligations of the Company
        thereunder insofar as they relate to the Mortgage Loans, including without
        limitation, the remedies for breaches of representations and warranties set
        forth in Subsection 9.03 of the Purchase Agreement, and (iv) all references
        to
        the Purchaser (insofar as they relate to the rights, title and interest and,
        with respect to obligations of the Purchaser, only insofar as they relate
        to the
        enforcement of the representations, warranties and covenants of the Company)
        under the Purchase Agreement insofar as they relate to the Mortgage Loans,
        shall
        be deemed to refer to the Trust (including the Trustee, the Custodian the
        Master
        Servicer and the Servicers acting on the Trust’s behalf). It is acknowledged
        that the Trustee shall reconvey the Mortgage Loans on behalf of the Trust
        as
        required and in accordance with Section 2.03(d) of the Pooling Agreement.
        Neither the Company nor the Assignor shall amend or agree to amend, modify,
        waiver, or otherwise alter any of the terms or provisions of the Purchase
        Agreement which amendment,
        modification, waiver or other alteration would in any way affect the Mortgage
        Loans or the Company’s performance under the Purchase Agreement with respect to
        the Mortgage Loans without the prior written consent of the Trustee and the
        Certificate Insurer.

       

      Representations
        and Warranties of the Company

       

      3. The
        Company warrants and represents to the Assignor, the Assignee and the Trust
        as
        of the date hereof that:

       

      (a)  The
        Company is duly organized and validly exists under the laws of the state
        of
        Indiana;

       

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

       

      (c)  No
        consent, approval, order or authorization of, or declaration, filing or
        registration with, any governmental entity is required to be obtained or
        made by
        the Company in connection with the execution, delivery or performance by
        the
        Company of this Agreement or if required, such approval has been obtained;
        and

       

      (d)  There
        is
        no action, suit, proceeding or investigation pending or threatened against
        the
        Company, before any court, administrative agency or other tribunal, which
        would
        draw into question the validity of this Agreement or the Purchase Agreement,
        or
        which, either in any one instance or in the aggregate, is likely to result
        in
        any material adverse change in the ability of the Company to perform its
        obligations under this Agreement or the Purchase Agreement, and the Company
        is
        solvent.

       

      4. Pursuant
        to Section 13 of the Purchase Agreement, the Company hereby represents and
        warrants, for the benefit of the Assignor, the Assignee and the Trust, that
        (i)
        the representations and warranties set forth in Subsection 9.01 of the Purchase
        Agreement are true and correct as of the date hereof as if such representations
        and warranties were made on the date hereof; provided that the representations
        and warranties set forth in Subsection 9.01(i), (j), and (o) of the Purchase
        Agreement are true and correct as of the Closing Date (as defined in the
        Purchase Agreement); and (ii) the representations and warranties set forth
        in
        Subsection 9.02 of the Purchase Agreement are true and correct, with respect
        to
        each Mortgage Loan, as
        of the
        Closing Date (as defined in the Purchase Agreement);
        provided that the representations and warranties set forth in Subsection
        9.02(f), (s), (w), (hh), (kk), (ll), (iii) and (qqq) of the Purchase Agreement
        are true and correct, with respect to each Mortgage Loan, as of November
        1,
        2006.

       

      Remedies
        for Breach of Representations and Warranties of the Company 

       

      5. The
        Company hereby acknowledges and agrees that the remedies available to the
        Assignor, the Assignee and the Trust (including
        the Trustee, the Custodian, the Master Servicer and the Servicers on the
        Trust’s
        behalf)
        in
        connection with any breach of the representations and warranties made by
        the
        Company set forth in Sections 3 and 4 hereof shall be as set forth in Subsection
        9.03 of the Purchase Agreement as if they were set forth herein (including
        without limitation the repurchase and indemnity obligations set forth
        therein).

       

      6. [Reserved].

       

      Representations
        and Warranties of the Assignor

       

      7. The
        Assignor warrants and represents to the Assignee and the Trust (including
        the
        Trustee, the Custodian, the Master Servicer and the Servicers on the Trust’s
        behalf) as of the date hereof that, with respect to each Mortgage
        Loan:

       

      (a)  The
        Assignor is the sole owner of record and holder of the Mortgage Loan and
        the
        indebtedness evidenced by each Mortgage Note. The Mortgage Loan is not assigned
        or pledged, and the Assignor has good, indefeasible and marketable title
        thereto, and has full right to transfer and sell the Mortgage Loan to the
        Assignee free and clear of any encumbrance, equity, participation interest,
        lien, pledge, charge, claim or security interest, and has full right and
        authority subject to no interest or participation of, or agreement with,
        any
        other party, to sell and assign each Mortgage Loan pursuant to this Agreement
        and following the sale of each Mortgage Loan, the Assignee will own such
        Mortgage Loan free and clear of any encumbrance, equity, participation interest,
        lien, pledge, charge, claim or security interest. The Assignor intends to
        relinquish all rights to possess, control and monitor the Mortgage
        Loan;

       

      (b)  The
        Assignor has not waived the performance by the Mortgagor of any action, if
        the
        Mortgagor’s failure to perform such action would cause the Mortgage Loan to be
        in default, nor has the Company waived any default resulting from any action
        or
        inaction by the Mortgagor;

       

      (c)  Any
        and
        all requirements of any federal, state or local law including, without
        limitation, usury, truth-in-lending, real estate settlement procedures, consumer
        credit protection, equal credit opportunity and disclosure laws, all applicable
        predatory and abusive lending laws or unfair and deceptive practices applicable
        to the Mortgage Loan, including, without limitation, any provisions related
        to
        Prepayment Penalties, have been complied with, the consummation of the
        transactions contemplated hereby will not involve the violation of any such
        laws
        or regulations;

       

      (d)  No
        Mortgage Loan is a High Cost or Covered Loan, as applicable, and no Mortgage
        Loan originated on or after October 1, 2002 through March 6, 2003 is governed
        by
        the Georgia Fair Lending Act. For the purposes of this Section 7(d) the
        following definitions shall apply:

       

      (i)  Covered
        Loan:
        A
        Mortgage Loan categorized as Covered pursuant to Appendix E of Standard &
Poor’s Glossary.

       

      (ii)  Home
        Loan:
        A
        Mortgage Loan categorized as a Home Loan pursuant to Appendix E of Standard
        & Poor’s Glossary.

       

      (iii)  Standard
        & Poor’s Glossary:
        The
        Standard & Poor’s Glossary for File Format for LEVELS® Version 5.7, Appendix
        E, as revised from time to time.

       

      (iv)  High
        Cost Loan:
        A
        Mortgage Loan classified as (a) a “high cost” loan under the Home Ownership and
        Equity Protection Act of 1994, (b) a “high cost home,” “threshold,” “covered,”
(excluding New Jersey “Covered Home Loans” as that term is defined in clause (1)
        of the definition of that term in the New Jersey Home Ownership Security
        Act of
        2002), “high risk home,” “predatory” or similar loan under any other applicable
        state, federal or local law (or a similarly classified loan using different
        terminology under a law imposing heightened regulatory scrutiny or additional
        legal liability for residential mortgage loans having high interest rates,
        points and/or fees) or (c) a Mortgage Loan categorized as High Cost pursuant
        to
        the then-current Appendix E of Standard & Poor’s Glossary;

       

      (e)  
        None of
        the Mortgage Loans has a Prepayment Penalty period in excess of five years;
        and

       

      (f)  Bring
        Down.
        Nothing
        has occurred or failed to occur from and after the Closing Date set forth
        in
        such Purchase Agreement to the Securitization Closing Date that would cause
        any
        of the representations and warranties relating to the applicable Mortgage
        Loans
        set forth in Subsection 9.02 of such Purchase Agreement to be incorrect in
        any
        material respects as of the date hereof as if made on the date
        hereof.

       

      Remedies
        for Breach of Representations and Warranties of the Assignor

       

      8. The
        Assignor hereby acknowledges and agrees that in the event of any breach of
        any
        of the representations and warranties with respect to any Mortgage Loan made
        by
        the Assignor set forth in Section 7 hereof that materially and adversely
        affects
        the value of such Mortgage Loan or the interest of the Assignee or the Trust
        therein and such breach is not cured by the Assignor, it shall, subject to
        the
        substitution provisions set in forth in Section 9 hereof, purchase or cause
        the
        purchase of the applicable Mortgage Loan at the Repurchase Price (as defined
        in
        the Pooling Agreement) within 60 days of the earlier of either discovery
        by or
        notice to the Assignor of such breach of a representation or warranty. It
        is
        understood and agreed that the obligation of the Assignor set forth herein
        to
        cure, repurchase or substitute for a Mortgage Loan in breach of a representation
        or warranty contained in Section 7 hereof constitutes the sole remedy of
        the
        Trust or any other person or entity against the Assignor with respect to
        such
        breach.

       

      Substitution
        Obligation for Breach of a Representation or Warranty

       

      9. The
        Assignor hereby acknowledges and agrees that if the Assignor discovers or
        receives notice of any breach of any of the representations and warranties
        made
        by the Assignor pursuant to Section 7 hereof within two years of the
        Securitization Closing Date, the Assignor shall, at the Trust’s option, and
        provided that the Assignor has a Substitute Mortgage Loan (as defined below),
        rather than repurchase such Mortgage Loan as provided above, remove such
        Mortgage Loan and substitute in its place a Substitute Mortgage Loan or Mortgage
        Loans, provided that any such substitution shall be effected not later than
        two
        years after the Securitization Closing Date. If the Assignor has no Substitute
        Mortgage Loan, the Assignor shall, if such breach is not cured, repurchase
        the
        deficient Mortgage Loan. Any repurchase of a Mortgage Loan or Mortgage Loans
        pursuant to the foregoing provisions shall be accomplished by direct remittance
        of the applicable repurchase price to the Trust or its designee in accordance
        with the Trust’s instructions.

       

      At
        the
        time of substitution, the Assignor shall arrange for the reassignment of
        the
        deleted Mortgage Loan to the Trust and the delivery to the Trust of any
        documents held by the Trustee relating to the deleted Mortgage Loan. In the
        event of a substitution, the Assignor shall (i) simultaneously with such
        reassignment, give written notice to the Trust that such substitution has
        taken
        place, (ii) amend or cooperate with the Trust in amending the applicable
        Mortgage Loan Schedule to reflect the withdrawal of the deleted Mortgage
        Loan
        and (iii) identify a Substitute Mortgage Loan and amend or cooperate with
        the
        Trust in amending the applicable Mortgage Loan Schedule to reflect the addition
        of such Substitute Mortgage Loan. In connection with any such substitution,
        the
        Assignor shall be deemed to have made as to such Substitute Mortgage Loan
        the
        representations and warranties set forth in Section 7 of this Agreement as
        of
        the date of such substitution. The Assignor shall effect such substitution
        by
        delivering to the Trustee or to its designee the documents required by the
        Pooling Agreement, with the Mortgage Note endorsed as required by the Pooling
        Agreement. No substitution will be made in any calendar month after the initial
        determination date for such month. The Assignor shall remit directly to the
        Trust or its designee in accordance with the Trust’s instructions, the monthly
        payment less the servicing fee due, if any, on such Substitute Mortgage Loan
        or
        Mortgage Loans in the month following the date of such substitution. Monthly
        payments due with respect to Substitute Mortgage Loans in the month of
        substitution shall be retained by the Assignor. For the month of substitution,
        distributions to the Trust shall include the monthly payment due on any deleted
        Mortgage Loan in the month of substitution, and the Assignor shall thereafter
        be
        entitled to retain all amounts subsequently received by the Assignor in respect
        of such deleted Mortgage Loan.

       

      For
        any
        month in which the Assignor substitutes a Substitute Mortgage Loan for a
        deleted
        Mortgage Loan, the Trust shall determine the amount (if any) by which the
        aggregate principal balance of all Substitute Mortgage Loans as of the date
        of
        substitution is less than the aggregate stated principal balance of all deleted
        Mortgage Loans (after application of scheduled principal payments due in
        the
        month of substitution). The amount of such shortfall shall be distributed
        by the
        Assignor directly to the Trust or its designee in accordance with the Trust’s
        instructions within two (2) business days of such substitution.

       

      Any
        cause
        of action against the Assignor relating to or arising out of the breach of
        any
        representations and warranties made in Section 7 hereof shall accrue as to
        any
        Mortgage Loan upon (i) discovery of such breach by the Trust or notice thereof
        by the Assignor to the Trust, (ii) failure by the Assignor to cure such breach,
        repurchase such Mortgage Loan or substitute a Substitute Mortgage Loan as
        specified above, and (iii) demand upon the Assignor by the Trust for compliance
        with this Agreement.

       

      A
        Substitute Mortgage Loan (“Substitute
        Mortgage Loan”)
        is a
        mortgage loan eligible to be substituted by the Assignor for a deleted Mortgage
        Loan which must, on the date of such substitution, (i) have an outstanding
        principal balance, after deduction of all scheduled payments due in the month
        of
        substitution (or in the case of a substitution of more than one mortgage
        loan
        for a deleted Mortgage Loan, an aggregate principal balance), not in excess
        of
        the outstanding principal balance of the deleted Mortgage Loan (the amount
        of
        any shortfall will be paid by the Assignor to the Trust or its designee in
        the
        month of substitution); (ii) have a mortgage interest rate not less than,
        and
        not more than 1% greater than, the mortgage interest rate of the deleted
        Mortgage Loan; (iii) have a remaining term to maturity not greater than,
        and not
        more than one year less than, that of the deleted Mortgage Loan (iv) be of
        the
        same type as the deleted Mortgage Loan (i.e., fixed rate or adjustable rate
        with
        same Periodic Mortgage Interest Rate Cap and Index); and (v) comply with
        each
        representation and warranty (respecting individual Mortgage Loans) set forth
        in
        Section 7 hereof.

       

      Miscellaneous
        

       

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

       

      11. No
        term
        or provision of this Agreement may be waived or modified unless such waiver
        or
        modification is in writing and signed by the party against whom such waiver
        or
        modification is sought to be enforced, with the prior written consent of
        the
        Trustee and the Certificate Insurer.

       

      12. This
        Agreement shall inure to the benefit of (i) the successors and assigns of
        the
        parties hereto; (ii) the Trust (including the Trustee, the Custodian, the
        Master
        Servicer and the Servicers acting on the Trust’s behalf) and (iii) the
        Certificate Insurer. Any entity into which the Assignor, Assignee or Company
        may
        be merged or consolidated shall, without the requirement for any further
        writing, be deemed Assignor, Assignee or Company, respectively,
        hereunder.

       

      13. Each
        of
        this Agreement and the Purchase Agreement shall survive the conveyance of
        the
        Mortgage Loans and the assignment of the Purchase Agreement (to the extent
        assigned hereunder) by the Assignor to the Assignee and by Assignee to the
        Trust
        and nothing contained herein shall supersede or amend the terms of the Purchase
        Agreement. 

       

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

       

      15. In
        the
        event that any provision of this Agreement conflicts with any provision of
        the
        Purchase Agreement with respect to the Mortgage Loans, the terms of this
        Agreement shall control.

       

      16. Capitalized
        terms used in this Agreement (including the exhibits hereto) but not defined
        in
        this Agreement shall have the meanings given to such terms in the Purchase
        Agreement.

       

      [SIGNATURE
        PAGE FOLLOWS]

      

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

       

      IN
        WITNESS WHEREOF, the parties have caused this Agreement to be executed by
        their
        duly authorized officers as of the date first above written.

       

      

      
        	 	 	 	 	 	 	
                GS
                  MORTGAGE SECURITIES CORP.

              
	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	
                By:

              	 
	 	 	 	 	 	 	
                Name:

              	 
	 	 	 	 	 	 	
                Title:

              	 
	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	
                GOLDMAN
                  SACHS MORTGAGE COMPANY,

                a
                  New York limited partnership

                 

              
	 	 	 	 	 	 	
                By:

              	
                GOLDMAN
                  SACHS REAL ESTATE FUNDING CORP., a New York corporation, its general
                  partner

              
	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	
                By:

              	 
	 	 	 	 	 	 	
                Name:

              	 
	 	 	 	 	 	 	
                Title:

              	 
	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	
                IRWIN
                  UNION BANK AND TRUST COMPANY

              
	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	
                By:

              	 
	 	 	 	 	 	 	
                Name:

              	 
	 	 	 	 	 	 	
                Title:

              	 

      

       

      

      

      

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

      EXHIBIT
        A

       

      Mortgage
        Loan Schedule

       

    

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

    
 

    EXHIBIT
      Q-4

     

    IMPAC
      AGREEMENTS

     

    FLOW
      MORTGAGE LOAN PURCHASE AND WARRANTIES AGREEMENT

     

    This
      FLOW
      MORTGAGE LOAN PURCHASE AND WARRANTIES AGREEMENT (the “Agreement”),
      dated
      as of April 1, 2006, by and between Goldman Sachs Mortgage Company, a New
      York limited partnership, having an office at 85 Broad Street, New York, New
      York 10004 (the “Purchaser”)
      and
      Impac Funding Corporation, a California corporation, having an office at 1401
      Dove Street, Newport Beach, California 92660 (the “Seller”).

     

    W I T N E S S E T H:

     

    WHEREAS,
      from time to time, the Seller desires to sell to the Purchaser, and, from time
      to time, the Purchaser desires to purchase from the Seller, certain conventional
      adjustable and fixed rate residential first and second lien mortgage loans
      (the
“Mortgage
      Loans”)
      on a
      servicing released basis as described herein, and which shall be delivered
      as a
      pool of whole loans;

     

    WHEREAS,
      each Mortgage Loan is secured by a mortgage, deed of trust or other security
      instrument creating a first or second lien on a residential dwelling located
      in
      the jurisdiction indicated on the related Mortgage Loan Schedule;

     

    WHEREAS,
      the Purchaser and the Seller wish to prescribe the manner of the conveyance
      and
      control of the Mortgage Loans; and

     

    WHEREAS,
      following its purchase of the Mortgage Loans from the Seller, the Purchaser
      desires to sell some or all of the Mortgage Loans to one or more purchasers
      as a
      whole loan transfer or a public or private, rated or unrated mortgage
      pass-through transaction;

     

    NOW,
      THEREFORE, in consideration of the premises and mutual agreements set forth
      herein, and for other good and valuable consideration, the receipt and
      sufficiency of which are hereby acknowledged, the Purchaser and the Seller
      agree
      as follows:

     

    SECTION
      1.  Definitions.

     

    For
      purposes of this Agreement the following capitalized terms shall have the
      respective meanings set forth below.

     

    Accepted
      Servicing Practices:
      With
      respect to any Mortgage Loan those mortgage servicing practices of prudent
      mortgage lending institutions which service mortgage loans of the same type
      as
      such Mortgage Loan in the jurisdiction where the related Mortgaged Property
      is
      located and incorporating the Delinquency Collection Policies and
      Procedures.

     

    Adjustable
      Rate Mortgage Loan:
      An
      adjustable rate Mortgage Loan purchased pursuant to this Agreement.

     

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

     

    Agency
      Transfer:
      A
      Fannie Mae Transfer or a Freddie Mac Transfer.

     

    Agreement:
      This
      Flow Mortgage Loan Purchase and Warranties Agreement and all amendments hereof
      and supplements hereto.

     

    ALTA:
      The
      American Land Title Association, or any successor thereto.

     

    Appraised
      Value:
      The
      value set forth in an appraisal made in connection with the origination of
      the
      related Mortgage Loan as the value of the Mortgaged Property.

     

    Assignment
      and Assumption Agreement:
      As
      defined in Section
      22.

     

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

     

    Business
      Day:
      Any day
      other than (i) a Saturday or Sunday, (ii) a day on which banking and
      savings and loan institutions in (a) the State of New York, (b) the
      state in which the Seller’s servicing operations are located or (c) or
      (iii) the State in which the Custodian’s operations are located, are
      authorized or obligated by law or executive order to be closed.

     

    Closing
      Date:
      The
      date or dates set forth on the related Purchase Price and Terms Agreement on
      which the Purchaser from time to time shall purchase and the Seller from time
      to
      time shall sell, the Mortgage Loans listed on the related Mortgage Loan
      Schedule

     

    CLTV:
      As of
      the date of origination and as to any Second Lien Mortgage Loan, the ratio,
      expressed as a percentage, of the (a) sum of (i) the outstanding
      principal balance of the Second Lien Mortgage Loan as of the date of origination
      and (ii) the outstanding principal balance as of the date of origination of
      any mortgage loan or mortgage loans that are senior or equal in priority to
      the
      Second Lien Mortgage Loan and which are secured by the same Mortgaged Property
      to (b) the lesser of the Appraised Value and the purchase price of the
      Mortgaged Property.

     

    Code:
      Internal Revenue Code of 1986, as amended.

     

    Commission:
      The
      United States Securities and Exchange Commission.

     

    Condemnation
      Proceeds:
      All
      awards or settlements in respect of a Mortgaged Property, whether permanent
      or
      temporary, partial or entire, by exercise of the power of eminent domain or
      condemnation, to the extent not required to be released to a Mortgagor in
      accordance with the terms of the related Mortgage Loan Documents.

     

    Convertible
      Mortgage Loan:
      Any
      individual Adjustable Rate Mortgage Loan purchased pursuant to this Agreement
      which contains a provision whereby the Mortgagor is permitted to convert the
      Adjustable Rate Mortgage Loan to a fixed rate Mortgage Loan in accordance with
      the terms of the related Mortgage Note.

     

    Covered
      Loan:
      A
      Mortgage Loan categorized as Covered pursuant to Appendix E of Standard &
Poor’s Glossary.

     

    Credit
      File:
      The
      items pertaining to a particular Mortgage Loan referred to in Exhibit
      B
      annexed
      hereto, and any additional documents required to be added to the credit File
      pursuant to this Agreement.

     

    Custodial
      Account:
      The
      separate account or accounts created and maintained pursuant to the Interim
      Servicing Agreement (with respect to each Mortgage Loan, for an interim period,
      as specified therein).

     

    Custodial
      Agreement:
      The
      agreement between the Purchaser and the Custodian governing the retention of
      the
      originals of each Mortgage Note, Mortgage, Assignment of Mortgage and other
      documents constituting the Mortgage Files.

     

    Custodian:
      The
      custodian under a Custodial Agreement, or its successor in interest or permitted
      assigns, or any successor to such Custodial Agreement as provided
      therein.

     

    Cut-off
      Date:
      With
      respect to each Mortgage Loan in a Mortgage Loan Package, the date set forth
      on
      the related Purchase Price and Terms Agreement.

     

    Deemed
      Material Breach Representation:
      Each
      representation and warranty identified as such in Subsection 9.02. 

     

    Deleted
      Mortgage Loan:
      A
      Mortgage Loan that is repurchased or replaced or to be replaced with a Qualified
      Substitute Mortgage Loan by the Seller in accordance with the terms of this
      Agreement.

     

    Delinquency
      Collection Policies and Procedures:
      The
      delinquency collection policies and procedures of the Interim Servicer, a copy
      of which is attached to the Interim Servicing Agreement as Exhibit
      7.

     

    Determination
      Date:
      The
      20th day of each calendar month.

     

    Depositor:
      The
      depositor, as such term is defined in Regulation AB, with respect to any
      Securitization Transaction.

     

    Due
      Date:
      The day
      of the month on which the Monthly Payment is due on a Mortgage Loan, exclusive
      of any days of grace.

     

    Escrow
      Account:
      The
      separate account or accounts created and maintained pursuant to the Interim
      Servicing Agreement (with respect to each Mortgage Loan, for an interim period,
      as specified therein).

     

    Escrow
      Payments:
      With
      respect to any Mortgage Loan, the amounts constituting ground rents, taxes,
      assessments, water rates, sewer rents, municipal charges, mortgage insurance
      premiums, fire and hazard insurance premiums, condominium charges, and any
      other
      payments required to be escrowed by the Mortgagor with the mortgagee pursuant
      to
      the Mortgage or any other document.

     

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

     

    Fannie
      Mae:
      The
      Federal National Mortgage Association, or any successor thereto.

     

    Fannie
      Mae Guides:
      The
      Fannie Mae Selling Guide and the Fannie Mae Servicing Guide and all amendments
      or additions thereto.

     

    Fannie
      Mae Transfer:
      As
      defined in Section
      13
      hereof.

     

    FDIC:
      The
      Federal Deposit Insurance Corporation, or any successor thereto.

     

    FHA:
      The
      Federal Housing Administration, an agency within the United States Department
      of
      Housing and Urban Development, or any successor thereto and including the
      Federal Housing Commissioner and the Secretary of Housing and Urban Development
      where appropriate under the FHA Regulations.

     

    FHA
      Mortgage Insurance:
      Mortgage insurance authorized under the National Housing Act, as amended from
      time to time, and provided by the FHA.

     

    FHA
      Regulations:
      The
      regulations promulgated by the Department of Housing and Urban Development
      under
      the National Housing Act, as amended from time to time and codified in 24 Code
      of Federal Regulations, and other Department of Housing and Urban Development
      issuances relating to FHA Loans, including the related handbooks, circulars,
      notices and mortgagee letters.

     

    FICO:
      Fair
      Isaac Corporation, or any successor thereto.

     

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

     

    Fixed
      Rate Mortgage Loan:
      A fixed
      rate mortgage loan purchased pursuant to this Agreement.

     

    Freddie
      Mac:
      The
      Federal Home Loan Mortgage Corporation, or any successor thereto.

     

    Freddie
      Mac Transfer:
      As
      defined in Section
      13
      hereof.

     

    Gross
      Margin:
      With
      respect to each Adjustable Rate Mortgage Loan, the fixed percentage amount
      set
      forth in the related Mortgage Note which amount is added to the Index in
      accordance with the terms of the related Mortgage Note to determine on each
      Interest Rate Adjustment Date the Mortgage Interest Rate for such Mortgage
      Loan.

     

    High
      Cost Loan:
      A
      Mortgage Loan (a) covered by the Home Ownership and Equity Protection Act
      of 1994, (b) classified as a “high cost home,” “threshold,” “covered,”
“high risk home,” “predatory” or similar loan under any other applicable state,
      federal or local law (or a similarly classified loan using different terminology
      under a law imposing heightened regulatory scrutiny or additional legal
      liability for residential mortgage loans having high interest rates, points
      and/or fees) or (c) categorized as High Cost pursuant to Appendix E of
      Standard & Poor’s Glossary. For avoidance of doubt, the parties agree that
      this definition shall apply to any law regardless of whether such law is
      presently, or in the future becomes, the subject of judicial review or
      litigation.

     

    Home
      Loan:
      A
      Mortgage Loan categorized as Home Loan pursuant to Appendix E of Standard &
Poor’s Glossary.

     

    HUD:
      The
      Department of Housing and Urban Development, or any federal agency or official
      thereof which may from time to time succeed to the functions thereof with regard
      to FHA Mortgage Insurance. The term “HUD,”
for
      purposes of this Agreement, is also deemed to include subdivisions thereof
      such
      as the FHA and Government National Mortgage Association.

     

    Index:
      With
      respect to each Adjustable Rate Mortgage Loan, a rate per annum as specified
      in
      the related Mortgage Loan Schedule.

     

    Insurance
      Proceeds:
      With
      respect to each Mortgage Loan, proceeds of insurance policies insuring the
      Mortgage Loan or the related Mortgaged Property.

     

    Interest
      Rate Adjustment Date:
      With
      respect to each adjustable rate Mortgage Loan, the date, specified in the
      related Mortgage Note and the related Mortgage Loan Schedule, on which the
      Mortgage Interest Rate is adjusted.

     

    Interim
      Funder:
      With
      respect to each MERS Designated Mortgage Loan, the Person named on the MERS®
System as the interim funder pursuant to the MERS Procedures
      Manual.

     

    Interim
      Servicing Agreement:
      That
      certain Flow Interim Servicing Agreement, dated as of the date hereof, by and
      between the Purchaser and the Seller.

     

    Investor:
      With
      respect to each MERS Designated Mortgage Loan, the Person named on the MERS®
System as the investor pursuant to the MERS Procedures Manual.

     

    Lifetime
      Rate Cap:
      The
      provision of each Mortgage Note related to an Adjustable Rate Mortgage Loan
      which provides for an absolute maximum Mortgage Interest Rate thereunder. The
      Mortgage Interest Rate during the terms of each Adjustable Rate Mortgage Loan
      shall not at any time exceed the Mortgage Interest Rate at the time of
      origination of such Adjustable Rate Mortgage Loan by more than the amount per
      annum set forth on the related Mortgage Loan Schedule.

     

    Limited
      Documentation Program:
      The
      guidelines under which the Seller generally originates Mortgage Loans
      principally on the basis of the Loan-to-Value Ratio of the related Mortgage
      Loan
      and the creditworthiness of the Mortgagor.

     

    Liquidation
      Proceeds:
      Cash
      received in connection with the liquidation of a defaulted Mortgage Loan,
      whether through the sale or assignment of such Mortgage Loan, trustee’s sale,
      foreclosure sale or otherwise or the sale of the related Mortgaged Property
      if
      the Mortgaged Property is acquired in satisfaction of the Mortgage
      Loan.

     

    Loan-to-Value
      Ratio
      or
LTV:
      With
      respect to any Mortgage Loan, the ratio (expressed as a percentage) of the
      outstanding principal amount of the Mortgage Loan as of the related Cut-off
      Date
      (unless otherwise indicated), to the lesser of (a) the Appraised Value of
      the Mortgaged Property at origination and (b) if the Mortgage Loan was made
      to finance the acquisition of the related Mortgaged Property, the purchase
      price
      of the Mortgaged Property.

     

    MERS:
      MERSCORP, Inc., its successors and assigns.

     

    MERS
      Designated Mortgage Loan:
      Mortgage Loans for which (a) the Seller has designated or will designate
      MERS as, and has taken or will take such action as is necessary to cause MERS
      to
      be, the mortgagee of record, as nominee for the Seller, in accordance with
      MERS
      Procedure Manual and (b) the Seller has designated or will designate the
      Custodian as the Investor on the MERS® System.

     

    MERS
      Procedure Manual:
      The
      MERS Procedures Manual, as it may be amended, supplemented or otherwise modified
      from time to time.

     

    MERS
      Report:
      The
      report from the MERS® System listing MERS Designated Mortgage Loans and other
      information.

     

    MERS®
      System:
      MERS
      mortgage electronic registry system, as more particularly described in the
      MERS
      Procedures Manual.

     

    Monthly
      Payment:
      The
      scheduled monthly payment of principal and interest on a Mortgage
      Loan.

     

    Moody’s:
      Moody’s
      Investors Service, Inc., and any successor thereto.

     

    Mortgage:
      The
      mortgage, deed of trust or other instrument securing a Mortgage Note, which
      creates a first or second lien on an unsubordinated estate in fee simple in
      real
      property securing the Mortgage Note; except that with respect to real property
      located in jurisdictions in which the use of leasehold estates for residential
      properties is a widely-accepted practice, the mortgage, deed of trust or other
      instrument securing the Mortgage Note may secure and create a first or second
      lien upon a leasehold estate of the Mortgagor.

     

    Mortgage
      File:
      The
      items pertaining to a particular Mortgage Loan referred to in Exhibit A
      annexed
      hereto, and any additional documents required to be added to the Mortgage File
      pursuant to this Agreement.

     

    Mortgage
      Interest Rate:
      The
      annual rate of interest borne on a Mortgage Note with respect to each Mortgage
      Loan.

     

    Mortgage
      Loan:
      An
      individual Mortgage Loan which is the subject of this Agreement, each Mortgage
      Loan originally sold and subject to this Agreement being identified on the
      related Mortgage Loan Schedule, which Mortgage Loan includes without limitation
      the Mortgage File, the Credit File, the Servicing File, the Monthly Payments,
      Principal Prepayments, Liquidation Proceeds, Condemnation Proceeds, Insurance
      Proceeds, Servicing Rights, Prepayment Penalties, and all other rights,
      benefits, proceeds and obligations arising from or in connection with such
      Mortgage Loan, excluding replaced or repurchased mortgage loans.

     

    Mortgage
      Loan Documents:
      The
      documents in the Mortgage File.

     

    Mortgage
      Loan Package:
      A pool
      of Mortgage Loans sold to the Purchaser by the Seller on a Closing
      Date.

     

    Mortgage
      Loan Schedule:
      The
      schedule of Mortgage Loans, with respect to each Mortgage Loan Package, attached
      as Exhibit A to the related Assignment and Conveyance, setting forth the
      following information with respect to each Mortgage Loan in the related Mortgage
      Loan Package: (1) the Seller’s Mortgage Loan identifying number;
      (2) the Mortgagor’s name; (3) the street address of the Mortgaged
      Property including the city, state and zip code; (4) a code indicating
      whether the Mortgaged Property is owner-occupied, a second home or investment
      property; (5) the number and type of residential units constituting the
      Mortgaged Property (i.e., a single family residence, a 2-4 family residence,
      a
      unit in a condominium project or a unit in a planned unit development,
      manufactured housing); (6) the original months to maturity or the remaining
      months to maturity from the related Cut-off Date, in any case based on the
      original amortization schedule and, if different, the maturity expressed in
      the
      same manner but based on the actual amortization schedule; (7) the LTV and
      CLTV, each at the origination; (8) the Mortgage Interest Rate as of the
      related Cut-off Date; (9) the date on which the Monthly Payment was due on
      the Mortgage Loan and, if such date is not consistent with the Due Date
      currently in effect, such Due Date; (10) the stated maturity date;
      (11) the amount of the Monthly Payment as of the related Cut-off Date;
      (12) the last payment date on which a Monthly Payment was actually applied
      to pay interest and the outstanding principal balance; (13) the original
      principal amount of the Mortgage Loan; (14) the principal balance of the
      Mortgage Loan as of the close of business on the related Cut-off Date, after
      deduction of payments of principal due and collected on or before the related
      Cut-off Date; (15) with respect to Adjustable Rate Mortgage Loans, the
      Interest Rate Adjustment Date; (16) with respect to Adjustable Rate
      Mortgage Loans, the Gross Margin; (17) with respect to Adjustable Rate
      Mortgage Loans, the Lifetime Rate Cap under the terms of the Mortgage Note;
      (18) with respect to Adjustable Rate Mortgage Loans, a code indicating the
      type of Index; (19) with respect to Adjustable Rate Mortgage Loans, the
      Periodic Rate Cap under the terms of the Mortgage Note; (20) with respect
      to Adjustable Rate Mortgage Loans, the Periodic Rate Floor under the terms
      of
      the Mortgage Note; (21) the type of Mortgage Loan (i.e., Fixed Rate,
      Adjustable Rate, First Lien, Second Lien); (22) a code indicating the
      purpose of the loan (i.e., purchase, rate and term refinance, equity take-out
      refinance); (23) a code indicating the documentation style (i.e., full,
      alternative or reduced); (24) the loan credit classification (as described
      in the Underwriting Guidelines); (25) whether such Mortgage Loan provides
      for a Prepayment Penalty; (26) the Prepayment Penalty period of such
      Mortgage Loan, if applicable; (27) ) a description of the Prepayment
      Penalty, if applicable; (28) the Mortgage Interest Rate as of origination;
      (29) the credit risk score (FICO score) at origination; (30) the date
      of origination; (31) the Mortgage Interest Rate adjustment period;
      (32) the Mortgage Interest Rate adjustment percentage; (33) the
      Mortgage Interest Rate floor; (34) the Mortgage Interest Rate calculation
      method (i.e., 30/360, simple interest, other); (35) a code indicating
      whether the Mortgage Loan is a Section 32 Mortgage Loan; (36) a code
      indicating whether the Mortgage Loan is assumable; (37) a code indicating
      whether the Mortgage Loan has been modified; (38) the one year payment
      history; (39) the Due Date for the first Monthly Payment; (40) the
      original Monthly Payment due; (41) with respect to the related Mortgagor,
      the debt-to-income ratio; (42) the Appraised Value of the Mortgaged
      Property; (44) the sales price of the Mortgaged Property if the Mortgage
      Loan was originated in connection with the purchase of the Mortgaged Property
      and (45) a code indicating if the Mortgage Loan is a High Cost Loan or Home
      Loan as such terms are defined in the then current Standard & Poor’s
      Glossary. With respect to the Mortgage Loans in the aggregate, the Mortgage
      Loan
      Schedule shall set forth the following information, as of the related Cut-off
      Date: (1) the number of Mortgage Loans; (2) the current aggregate
      outstanding principal balance of the Mortgage Loans; (3) the weighted
      average Mortgage Interest Rate of the Mortgage Loans; and (4) the weighted
      average maturity of the Mortgage Loans.

     

    Mortgage
      Note:
      The
      note or other evidence of the indebtedness of a Mortgagor secured by a
      Mortgage.

     

    Mortgaged
      Property:
      The
      real property (or leasehold estate, if applicable) securing repayment of the
      debt evidenced by a Mortgage Note.

     

    Mortgagor:
      The
      obligor on a Mortgage Note.

     

    Non-Servicing
      Related Representations and Warranties:
      Those
      representations and warranties set forth in Sections 9.01
      and
9.02
      other
      than the representations set forth in the definition of Servicing Related
      Representations and Warranties.

     

    Officer’s
      Certificate:
      A
      certificate signed by the Chairman of the Board or the Vice Chairman of the
      Board or a President or a Vice President and by the Treasurer or the Secretary
      or one of the Assistant Treasurers or Assistant Secretaries of the Seller,
      and
      delivered to the Purchaser as required by this Agreement.

     

    Opinion
      of Counsel:
      A
      written opinion of counsel, who may be counsel for the Seller, reasonably
      acceptable to the Purchaser, provided that any Opinion of Counsel relating
      to
      (a) the qualification of any account required to be maintained pursuant to
      this Agreement as an Eligible Account, (b) qualification of the Mortgage
      Loans in a REMIC or (c) compliance with the REMIC Provisions, must be
      (unless otherwise stated in such Opinion of Counsel) an opinion of counsel
      who
      (i) is in fact independent of the Seller and any master servicer of the
      Mortgage Loans, (ii) does not have any material direct or indirect
      financial interest in the Seller or any master servicer of the Mortgage Loans
      or
      in an Affiliate of either and (iii) is not connected with the Seller or any
      master servicer of the Mortgage Loans as an officer, employee, director or
      person performing similar functions.

     

    OTS:
      Office
      of Thrift Supervision, and any successor thereto.

     

    Periodic
      Rate Cap:
      The
      provision of each Mortgage Note related to an Adjustable Rate Mortgage Loan
      which provides for an absolute maximum amount by which the Mortgage Interest
      Rate therein may increase or decrease on an Interest Rate Adjustment Date above
      or below the Mortgage Interest Rate previously in effect. The Periodic Rate
      Cap
      for each Adjustable Rate Mortgage Loan is the rate set forth on the Mortgage
      Loan Schedule.

     

    Periodic
      Rate Floor:
      With
      respect to each Adjustable Rate Mortgage Loan, the provision of each Mortgage
      Note which provides for an absolute maximum amount by which the Mortgage
      Interest Rate therein may decrease on an Interest Rate Adjustment Date below
      the
      Mortgage Interest Rate previously in effect

     

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

     

    Preliminary
      Mortgage Schedule:
      As
      defined in Section
      3.

     

    Prepayment
      Penalty:
      With
      respect to each Mortgage Loan, the fee, if any, payable upon the prepayment,
      in
      whole or in part, of such Mortgage Loan, as set forth in the related Mortgage
      Note.

     

    Primary
      Mortgage Insurance:
      Each
      policy of primary mortgage insurance represented to be in effect pursuant to
      Section 9.02 (nnn).

     

    Principal
      Prepayment:
      Any
      payment or other recovery of principal on a Mortgage Loan which is received
      in
      advance of its scheduled Due Date, including any Prepayment Penalty or premium
      thereon and which is not accompanied by an amount of interest representing
      scheduled interest due on any date or dates in any month or months subsequent
      to
      the month of prepayment.

     

    Purchase
      Price:
      The
      price paid on the related Closing Date by the Purchaser to the Seller in
      exchange for the Mortgage Loans in a Mortgage Loan Package as calculated in
      Section
      4
      of this
      Agreement.

     

    Purchase
      Price and Terms Agreement:
      With
      respect to each purchase of a Mortgage Loan Package hereunder, that certain
      letter agreement setting forth the general terms and conditions of such
      transaction consummated herein and identifying the Mortgage Loans to be
      purchased hereunder, by and between the Seller and the Purchaser.

     

    Purchaser:
      Goldman
      Sachs Mortgage Company, a New York limited partnership, and its successors
      in
      interest and assigns, and any successor to the Purchaser under this Agreement
      as
      herein provided.

     

    Qualified
      Appraiser:
      An
      appraiser, duly appointed by the Seller, who had no interest, direct or indirect
      in the Mortgaged Property or in any loan made on the security thereof, and
      whose
      compensation is not affected by the approval or disapproval of the Mortgage
      Loan, and such appraiser and the appraisal made by such appraiser both satisfy
      the requirements of Title XI of the Financial Institutions Reform, Recovery,
      and
      Enforcement Act of 1989 and the regulations promulgated thereunder, all as
      in
      effect on the date the Mortgage Loan was originated.

     

    Qualified
      Correspondent:
      Any
      Person from which the Seller purchased Mortgage Loans, provided that the
      following conditions are satisfied: (i) such Mortgage Loans were originated
      pursuant to an agreement between the Seller and such Person that contemplated
      that such Person would underwrite mortgage loans from time to time, for sale
      to
      the Seller, in accordance with underwriting guidelines designated by the Seller
      (“Designated
      Guidelines”)
      or
      guidelines that do not vary materially from such Designated Guidelines;
      (ii) such Mortgage Loans were in fact underwritten as described in
      clause (i) above and were acquired by the Seller within 180 days
      after origination; (iii) either (x) the Designated Guidelines were, at
      the time such Mortgage Loans were originated, used by the Seller in origination
      of mortgage loans of the same type as the Mortgage Loans for the Seller’s own
      account or (y) the Designated Guidelines were, at the time such Mortgage
      Loans were underwritten, designated by the Seller on a consistent basis for
      use
      by lenders in originating mortgage loans to be purchased by the Seller; and
      (iv) the Seller employed, at the time such Mortgage Loans were acquired by
      the Seller, pre-purchase or post-purchase quality assurance procedures (which
      may involve, among other things, review of a sample of mortgage loans purchased
      during a particular time period or through particular channels) designed to
      ensure that Persons from which it purchased mortgage loans properly applied
      the
      underwriting criteria designated by the Seller.

     

    Qualified
      Substitute Mortgage Loan:
      A
      mortgage loan eligible to be substituted by the Seller for a Deleted Mortgage
      Loan which must, on the date of such substitution, (i) have an outstanding
      principal balance, after deduction of all scheduled payments due in the month
      of
      substitution (or in the case of a substitution of more than one mortgage loan
      for a Deleted Mortgage Loan, an aggregate principal balance), not in excess
      of
      the outstanding principal balance of the Deleted Mortgage Loan; (ii) have a
      Mortgage Interest Rate not less than and not more than 1% greater than the
      Mortgage Interest Rate of the Deleted Mortgage Loan; (iii) have a remaining
      term to maturity not greater than and not more than one (1) year less than
      that
      of the Deleted Mortgage Loan (iv) be of the same type as the Deleted
      Mortgage Loan (i.e., fixed rate or adjustable rate with same Periodic Rate
      Cap,
      Lifetime Rate Cap, Index and lien priority); and (v) comply with each
      representation and warranty (respecting individual Mortgage Loans) set forth
      in
Section
      9
      hereof.

     

    Rating
      Agency:
      Any of
      Fitch, Moody’s or Standard & Poor’s, or their respective successors
      designated by the Purchaser.

     

    Reconstitution:
      Any
      Securitization Transaction or Whole Loan Transfer.

     

    Reconstitution
      Agreements:
      The
      agreement or agreements entered into by the Seller and the Purchaser and/or
      certain third parties on the Reconstitution Date or Dates with respect to any
      or
      all of the Mortgage Loans sold hereunder, in connection with a Whole Loan
      Transfer, Agency Transfer or a Securitization Transaction pursuant to
Section 13,
      including, but not limited to, a seller’s warranties and servicing agreement
      with respect to a Whole Loan Transfer, and a pooling and servicing agreement
      and/or seller/servicer agreements and related custodial/trust agreement and
      documents with respect to a Securitization Transaction.

     

    Reconstitution
      Date:
      As
      defined in Section
      13.

     

    Regulation AB:
      Subpart 229.1100 - Asset Backed Securities (Regulation AB), 17 C.F.R.
§§ 29.1100-229.1123, as such may be amended from time to time, and subject
      to such clarification and interpretation as have been provided by the Commission
      in the adopting release (Asset-Backed Securities, Securities Act Release
      No. 33-8518, 70 Fed. Reg. 1,506, 1,531 (Jan. 7, 2005)) or by the
      staff of the Commission, or as may be provided by the Commission or its staff
      from time to time.

     

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

     

    REMIC
      Provisions:
      Provisions of the federal income tax law relating to a REMIC, which appear
      at
      Section 860A through 860G of Subchapter M of Chapter 1, Subtitle A of the Code,
      and related provisions and regulations, rulings or pronouncements promulgated
      thereunder, as the foregoing may be in effect from time to time.

     

    Repurchase
      Price:
      With
      respect to any Mortgage Loan for which a breach of a representation or warranty
      under this Agreement is found, a price equal to the outstanding principal
      balance of the Mortgage Loan to be repurchased as of the date of repurchase,
      plus accrued interest thereon at the Mortgage Interest Rate from the date on
      which interest had last been paid through the date of such repurchase, plus
      the
      amount of any outstanding advances owed to any servicer, plus all costs and
      expenses incurred by the Purchaser or any servicer arising out of or based
      upon
      such breach, including without limitation costs and expenses incurred in the
      enforcement of the Seller's repurchase obligation hereunder plus any costs
      and
      damages incurred by the related trust with respect to any securitization of
      the
      Mortgage Loan in connection with any violation by such Mortgage Loan of any
      predatory- or abusive-lending law.

     

    RESPA:
      Real
      Estate Settlement Procedures Act, as amended from time to time.

     

    Second
      Lien Mortgage Loan:
      A
      Mortgage Loan secured by a second lien Mortgage on the related Mortgaged
      Property.

     

    Securities
      Act:
      The
      Securities Act of 1933, as amended.

     

    Securitization
      Transaction:
      Any
      transaction involving either (1) a sale or other transfer of some or all of
      the Mortgage Loans directly or indirectly to an issuing entity in connection
      with an issuance of publicly offered or privately placed, rated or unrated
      mortgage-backed securities or (2) an issuance of publicly offered or
      privately placed, rated or unrated securities, the payments on which are
      determined primarily by reference to one or more portfolios of residential
      mortgage loans consisting, in whole or in part, of some or all of the Mortgage
      Loans.

     

    Seller:
      Impac
      Funding Corporation, its successors in interest and assigns.

     

    Seller
      Information:
      As
      defined in Subsection 33.04(a).

     

    Servicing
      Fee:
      With
      respect to each Mortgage Loan subject to the Interim Servicing Agreement, an
      amount per month as set forth in the Interim Servicing Agreement.

     

    Servicing
      File:
      With
      respect to each Mortgage Loan, the file retained by the Seller consisting of
      originals of all documents in the Mortgage File which are not delivered to
      the
      Purchaser or the Custodian and copies of the Mortgage Loan Documents set forth
      in as provided in Subsection 6.03 hereof.

     

    Servicing
      Related Representations and Warranties:
      Those
      representations and warranties set forth in Section 9.02(a), the first sentence
      of (b), the first sentence of (c) (other than the first clause thereof), (d),
      (f) (except the last sentence of (f)), (n), (o), (p), the last sentence of
      (s),
      (t) (except the first sentence of (t)), (w), (x), (y), (ii), (qq), (rr), (ss),
      (tt) and (iii).

     

    Servicing
      Rights:
      Any and
      all of the following: (a) any and all rights to service the Mortgage Loans;
      (b) any payments to or monies received by the Seller for servicing the
      Mortgage Loans; (c) any late fees, penalties or similar payments with
      respect to the Mortgage Loans but not including any Prepayment Penalties;
      (d) all agreements or documents creating, defining or evidencing any such
      servicing rights to the extent they relate to such servicing rights and all
      rights of the Seller thereunder; (e) Escrow Payments or other similar
      payments with respect to the Mortgage Loans and any amounts actually collected
      by the Seller with respect thereto; (f) all accounts and other rights to
      payment related to any of the property described in this paragraph; and
      (g) any and all documents, files, records, servicing files, servicing
      documents, servicing records, data tapes, computer records, or other information
      pertaining to the Mortgage Loans or pertaining to the past, present or
      prospective servicing of the Mortgage Loans.

     

    Sponsor:
      The
      sponsor, as such term is defined in Regulation AB, with respect to any
      Securitization Transaction.

     

    Standard
      & Poor’s:
      Standard & Poor’s Rating Services, a division of The McGraw-Hill Companies
      Inc., and its successors in interest.

     

    Standard
      & Poor’s Glossary:
      The
      Standard & Poor’s LEVELS®
      Glossary, as may be in effect from time to time.

     

    Stated
      Principal Balance:
      As to
      each Mortgage Loan, (i) the principal balance of the Mortgage Loan at the
      related Cut-off Date after giving effect to payments of principal due on or
      before such date, to the extent received, minus (ii) all amounts previously
      distributed to the Purchaser with respect to the related Mortgage Loan
      representing payments or recoveries of principal or advances in lieu
      thereof.

     

    Static
      Pool Information:
      Static
      pool information as described in Item 1105(a)(1)-(3) and 1105(c) of
      Regulation AB.

     

    Successor
      Servicer:
      A
      servicer designated by the Purchaser pursuant to Section 8
      and
Subsection
      9.03
      which is
      entitled to the benefits of the indemnifications set forth in Subsections 9.03
      and
14.01.

     

    Third-Party
      Originator:
      Each
      Person, other than a Qualified Correspondent, that originated Mortgage Loans
      acquired by the Seller.

     

    Transfer
      Date:
      With
      respect to each Mortgage Loan, (a) the date set forth in the related
      Purchase Price and Terms Agreement or (b) such other date as mutually
      agreed by the Seller and the Purchaser.

     

    Underwriting
      Guidelines:
      The
      underwriting guidelines of the Seller, a copy of which is attached hereto as
      Exhibit
      J.

     

    Whole
      Loan Transfer:
      Any
      sale or transfer of some or all of the Mortgage Loans, other than a
      Securitization Transaction.

     

    SECTION
      2.  Agreement
      to Purchase.

     

    The
      Seller, on each related Closing Date, agrees to sell, and the Purchaser agrees
      to purchase, Mortgage Loans having an aggregate principal balance on the related
      Cut-off Date in an amount as set forth in the related Purchase Price and Terms
      Agreement, or in such other amount as agreed by the Purchaser and the Seller
      as
      evidenced by the aggregate scheduled principal balance of the Mortgage Loans
      accepted by the Purchaser on the related Closing Date.

     

    SECTION
      3.  Mortgage
      Schedules.

     

    The
      Seller shall provide the Purchaser with certain information constituting a
      preliminary listing of the Mortgage Loans to be purchased on the related Closing
      Date in accordance with the related Purchase Price and Terms Agreement and
      this
      Agreement (a “Preliminary
      Mortgage Schedule”).

     

    The
      Seller shall deliver the related Mortgage Loan Schedule for the Mortgage Loans
      to be purchased on the related Closing Date to the Purchaser at least two (2)
      Business Days prior to the related Closing Date. The related Mortgage Loan
      Schedule shall be the Preliminary Mortgage Schedule with those Mortgage Loans
      which have not been funded prior to the related Closing Date
      deleted.

     

    SECTION
      4.  Purchase
      Price.

     

    The
      Purchase Price for each Mortgage Loan shall be the percentage of par as stated
      in the related Purchase Price and Terms Agreement (subject to adjustment as
      provided therein), multiplied by the Stated Principal Balance, as of the related
      Cut-off Date, of the Mortgage Loans, after application of payments of principal
      actually received on or before the related Cut-off Date.

     

    In
      addition to the Purchase Price as described above, the Purchaser shall pay
      to
      the Seller, on the related Closing Date, accrued interest on the Stated
      Principal Balance of the related Mortgage Loans as of the related Cut-off Date
      at the weighted average Mortgage Interest Rate of those Mortgage Loans from
      the
      date interest was paid through on the Mortgage Loan through the day prior to
      the
      related Closing Date, inclusive. The Purchase Price plus accrued interest as
      set
      forth in the preceding paragraph shall be paid to the Seller by wire transfer
      of
      immediately available funds to an account designated by the Seller in
      writing.

     

    The
      Purchaser shall be entitled to (1) all principal received after the related
      Cut-off Date, (2) all other recoveries of late charges, prepayment
      penalties, assumption fees or other charges collected after the related Cut-off
      Date, and (3) all payments of interest on the Mortgage Loans at the
      Mortgage Interest Rate.

     

    SECTION
      5.  Examination
      of Mortgage Files.

     

    At
      least
      ten (10) Business Days prior to the related Closing Date, the Seller shall
      deliver to the Purchaser or its designee in escrow, for examination with respect
      to each Mortgage Loan in the related Mortgage Loan Package to be purchased,
      the
      related Mortgage File, including a copy of the Assignment of Mortgage,
      pertaining to each Mortgage Loan.

     

    At
      least
      ten (10) Business Days prior to the related Closing Date, with respect to each
      Mortgage Loan in the related Mortgage Loan Package to be purchased, the Seller
      shall make the related Servicing Files and Credit Files available to the
      Purchaser for examination at such other location as shall otherwise be
      acceptable to the Purchaser.

     

    Such
      examination of the Mortgage Files may be made by the Purchaser or its designee
      at any reasonable time before or after the related Closing Date. If the
      Purchaser makes such examination prior to the related Closing Date and
      determines, in its sole discretion, that any Mortgage Loans are unacceptable
      to
      the Purchaser for any reason, such Mortgage Loans shall be deleted from the
      related Mortgage Loan Schedule, and may be replaced by a Qualified Substitute
      Mortgage Loan (or Loans) acceptable to the Purchaser. The Purchaser may, at
      its
      option and without notice to the Seller, purchase some or all of the Mortgage
      Loans without conducting any partial or complete examination. The fact that
      the
      Purchaser or its designee has conducted or has failed to conduct any partial
      or
      complete examination of the Mortgage Files or the Credit Files shall not affect
      the Purchaser’s (or any of its successor’s) rights to demand repurchase,
      substitution or other relief as provided herein.

     

    In
      the
      event that the Seller fails to deliver the Credit Files with respect to any
      Mortgage Loan after the related Closing Date, the Seller shall, upon the request
      of the Purchaser, repurchase such Mortgage Loan at the price and in the manner
      specified in Subsection
      9.03.

     

    Purchaser
      acknowledges and agrees that Purchaser shall obligate any servicer to hold
      all
      nonpublic personal information received or obtained by it with respect to any
      Mortgage Loan in accordance with all applicable laws, including but not limited
      to the privacy provisions of the Gramm-Leach-Bliley Act (“GLB”)
      and
      any other comparable federal or state law. Purchaser shall obligate any servicer
      to maintain appropriate safeguards to protect the confidentiality of all
      information concerning the Mortgage Loans in accordance with the GLB and its
      implementing regulations, as the same may be amended from time to time, and
      all
      other applicable federal and state privacy laws and regulations.

     

    SECTION
      6.  Conveyance
      from Seller to Purchaser.

     

    Subsection
      6.01  Conveyance
      of Mortgage Loans.

     

    The
      Seller, on each related Closing Date, does hereby sell, transfer, assign, set
      over and convey to the Purchaser, without recourse, but subject to the terms
      of
      this Agreement, all rights, title and interest of the Seller in and to the
      Mortgage Loans in the related Mortgage Loan Package, and the Mortgage Files
      and
      all rights and obligations arising under the documents contained therein for
      each Mortgage Loan in the related Mortgage Loan Package.

     

    Subsection
      6.02  Books
      and Records.

     

    Record
      title to each Mortgage as of the related Closing Date shall be in the name
      of
      MERS, the Seller, an Affiliate of the Seller, the Purchaser or one or more
      designees of the Purchaser, as the Purchaser shall select. Notwithstanding
      the
      foregoing, each Mortgage and related Mortgage Note shall be possessed solely
      by
      the Purchaser or the appropriate designee of the Purchaser, as the case may
      be.
      All rights arising out of the Mortgage Loans including, but not limited to,
      all
      funds received by the Seller after the related Cut-off Date on or in connection
      with a Mortgage Loan shall be vested in the Purchaser or one or more designees
      of the Purchaser; provided, however, that all funds received on or in connection
      with a Mortgage Loan shall be received and held by the Seller in trust for
      the
      benefit of the Purchaser or the appropriate designee of the Purchaser, as the
      case may be, as the owner of the Mortgage Loans pursuant to the terms of this
      Agreement.

     

    The
      sale
      of each Mortgage Loan shall be reflected on the Seller’s balance sheet and other
      financial statements as a sale of assets by the Seller.

     

    The
      Seller shall be responsible for maintaining, and shall maintain, a complete
      set
      of books and records for each Mortgage Loan which shall be marked clearly to
      reflect the ownership of each Mortgage Loan by the Purchaser. In particular,
      the
      Seller shall maintain in its possession, available for inspection by the
      Purchaser, and shall deliver to the Purchaser upon demand, evidence of
      compliance with all federal, state and local laws, rules and regulations,
      including but not limited to documentation as to the method used in determining
      the applicability of the provisions of the National Flood Insurance Act of
      1968,
      as amended, to the Mortgaged Property, documentation evidencing insurance
      coverage and periodic inspection reports, as would be retained by a prudent
      lender. To the extent that original documents are not required for purposes
      of
      realization of Liquidation Proceeds or Insurance Proceeds, documents maintained
      by the Seller may be in the form of microfilm or microfiche so long as the
      Seller complies with the customary requirements of a prudent
      lender.

     

    Subsection
      6.03  Delivery
      of Mortgage Loan Documents.

     

    The
      Seller shall deliver and release to the Custodian no later than ten (10)
      Business Days prior to the related Closing Date the Mortgage Files with respect
      to each Mortgage Loan in the related Mortgage Loan Package.

     

    The
      Custodian shall certify its receipt of all such Mortgage Loan Documents required
      to be delivered pursuant to the Custodial Agreement for the related Closing
      Date, as evidenced by the Initial Certification of the Custodian in the form
      annexed to the Custodial Agreement.

     

    The
      Seller shall forward to the Custodian, or to such other Person as the Purchaser
      shall designate in writing, original documents evidencing an assumption,
      modification, consolidation or extension of any Mortgage Loan entered into
      in
      accordance with this Agreement within two (2) weeks of their execution,
      provided, however, that the Seller shall provide the Custodian, or to such
      other
      Person as the Purchaser shall designate in writing, with a certified true copy
      of any such document submitted for recordation within two (2) weeks of its
      execution, and shall promptly provide the original of any document submitted
      for
      recordation or a copy of such document certified by the appropriate public
      recording office to be a true and complete copy of the original within ninety
      (90) days of its submission for recordation.

     

    In
      the
      event any document listed on Exhibit
      A
      as
      constituting a part of the Mortgage Files and required to be delivered to the
      Custodian pursuant to this Subsection
      6.03,
      including an original or copy of any document submitted for recordation to
      the
      appropriate public recording office, is not so delivered to the Custodian,
      or to
      such other Person as the Purchaser shall designate in writing, on the related
      Closing Date (other than with respect to the Assignments of Mortgage which
      shall
      be delivered to the Custodian in blank on or prior to the related Closing Date
      and recorded subsequently by the Purchaser or its designee or documents
      submitted for recordation to the appropriate public recording office), and
      in
      the event that the Seller does not cure such failure within thirty (30) days
      of
      discovery or receipt of written notification of such failure from the Purchaser,
      the related Mortgage Loan shall, upon the request of the Purchaser, be
      repurchased by the Seller at the price and in the manner specified in
Subsection
      9.03.
      The
      foregoing repurchase obligation shall not apply in the event that the Seller
      cannot deliver an original document submitted for recordation to the appropriate
      public recording office within the specified period due to a delay caused by
      the
      recording office in the applicable jurisdiction; provided that (i) the
      Seller shall instead deliver a recording receipt of such recording office or,
      if
      such recording receipt is not available, an officer’s certificate of an officer
      of the Seller, confirming that such documents have been accepted for recording;
      provided that, upon request of the Purchaser and delivery by the Purchaser
      to
      the Seller of a schedule of the Mortgage Loans, the Seller shall reissue and
      deliver to the Purchaser or its designee said officer’s certificate and
      (ii) such document is delivered within twelve (12) months of the related
      Closing Date.

     

    The
      Seller shall pay all initial recording, registration or transfer fees, if any,
      for the assignments of mortgage and any other fees or costs in transferring
      all
      original documents to the Custodian or, upon written request of the Purchaser,
      to the Purchaser or the Purchaser’s designee. The Purchaser or the Purchaser’s
      designee shall be responsible for recording the Assignments of Mortgage and
      shall be reimbursed by the Seller for the costs associated therewith pursuant
      to
      the preceding sentence.

     

    Subsection
      6.04  Quality
      Control Procedures.

     

    The
      Seller shall have an internal quality control program that verifies the
      existence and accuracy of the legal documents, credit documents, property
      appraisals, and underwriting decisions. The program shall include evaluating
      and
      monitoring the overall quality of the Seller’s loan production. The program is
      to ensure that the Mortgage Loans are originated in accordance with the
      Underwriting Guidelines; guard against dishonest, fraudulent, or negligent
      acts;
      and guard against errors and omissions by officers, employees, or other
      authorized persons.

     

    SECTION
      7.  Servicing
      of the Mortgage Loans.

     

    The
      Mortgage Loans have been sold by the Seller to the Purchaser on a servicing
      released basis. Subject to and upon the terms and conditions of this Agreement,
      the Seller hereby sells, transfers, assigns, conveys and delivers to the
      Purchaser the Servicing Rights.

     

    The
      Purchaser shall retain the Seller as contract servicer of the Mortgage Loans
      for
      an interim period pursuant to and in accordance with the terms and conditions
      contained in the Interim Servicing Agreement (with respect to each Mortgage
      Loan, for an interim period, as specified therein). The Purchaser and Seller
      shall execute the Interim Servicing Agreement on the date hereof, and, with
      respect to each Mortgage Loan Package to be interim serviced thereunder, shall
      execute an Acknowledgement Agreement in the form of Exhibit 6 to the Interim
      Servicing Agreement on each related Closing Date. Pursuant to the Interim
      Servicing Agreement, the Seller shall begin servicing the Mortgage Loans on
      behalf of the Purchaser and shall be entitled to the Servicing Fee with respect
      to such Mortgage Loans from the related Closing Date until the related Transfer
      Date.

     

    SECTION
      8.  Transfer
      of Servicing.

     

    On
      the
      related Transfer Date, the Purchaser, or its designee, shall assume all
      servicing responsibilities related to, and the Seller shall cease all servicing
      responsibilities related to the Mortgage Loans. The related Transfer Date shall
      be the date determined in accordance with the Interim Servicing Agreement (with
      respect to each Mortgage Loan, for an interim period, as specified
      therein).

     

    On
      or
      prior to the related Transfer Date, the Seller shall, at its sole cost and
      expense, take such steps as may be necessary or appropriate to effectuate and
      evidence the transfer of the servicing of the related Mortgage Loans to the
      Successor Servicer, including but not limited to the following:

     

    (a)  Notice
      to Mortgagors.
      The
      Seller shall mail to the Mortgagor of each related Mortgage Loan a letter
      advising such Mortgagor of the transfer of the servicing of the related Mortgage
      Loan to the Purchaser, or its designee, in accordance with the Cranston Gonzales
      National Affordable Housing Act of 1990, as amended; provided, however, the
      content and format of the letter shall have the prior approval of the Purchaser.
      The Seller shall provide the Purchaser with copies of all such related notices
      no later than the related Transfer Date.

     

    (b)  Notice
      to Taxing Authorities and Insurance Companies.
      The
      Seller shall transmit to the applicable taxing authorities and insurance
      companies (including Primary Mortgage Insurance policy insurers, if applicable)
      and/or agents, notification of the transfer of the servicing to the Purchaser,
      or its designee, and instructions to deliver all notices, tax bills and
      insurance statements, as the case may be, to the Purchaser or its designee
      from
      and after the related Transfer Date. The Seller shall provide the Purchaser
      and
      its designee with copies of all such notices no later than the related Transfer
      Date.

     

    (c)  Delivery
      of Servicing Records.
      The
      Seller shall forward to the Purchaser, or its designee, all servicing records
      and the Servicing File in the Seller’s possession relating to each related
      Mortgage Loan including the information enumerated in the Interim Servicing
      Agreement (with respect to each such Mortgage Loan, for an interim period,
      as
      specified therein).

     

    (d)  Escrow
      Payments.
      The
      Seller shall provide the Purchaser, or its designee, with immediately available
      funds by wire transfer in the amount of the net Escrow Payments and suspense
      balances and all loss draft balances associated with the related Mortgage Loans.
      The Seller shall provide the Purchaser with an accounting statement of Escrow
      Payments and suspense balances and loss draft balances sufficient to enable
      the
      Purchaser to reconcile the amount of such payment with the accounts of the
      Mortgage Loans. Additionally, the Seller shall wire transfer to the Purchaser
      the amount of any agency, trustee or prepaid Mortgage Loan payments and all
      other similar amounts held by the Seller.

     

    (e)  Payoffs
      and Assumptions.
      The
      Seller shall provide to the Purchaser, or its designee, copies of all assumption
      and payoff statements generated by the Seller on the related Mortgage Loans
      from
      the related Cut-off Date to the related Transfer Date.

     

    (f)  Mortgage
      Payments Received Prior to Transfer Date.
      Prior
      to the related Transfer Date all payments received by the Seller on each related
      Mortgage Loan shall be properly applied to the account of the particular
      Mortgagor.

     

    (g)  Mortgage
      Payments Received After Transfer Date.
      The
      amount of any related Monthly Payments received by the Seller after the related
      Transfer Date shall be forwarded to the Purchaser by overnight mail on or prior
      to the date which is one Business Day after the date of receipt. The Seller
      shall notify the Purchaser of the particulars of the payment, which notification
      requirement shall be satisfied if the Seller forwards with its payment
      sufficient information to permit appropriate processing of the payment by the
      Purchaser. The Seller shall assume full responsibility for the necessary and
      appropriate legal application of such Monthly Payments received by the Seller
      after the related Transfer Date with respect to related Mortgage Loans then
      in
      foreclosure or bankruptcy; provided, for purposes of this Agreement, necessary
      and appropriate legal application of such Monthly Payments shall include, but
      not be limited to, endorsement of a Monthly Payment to the Purchaser with the
      particulars of the payment such as the account number, dollar amount, date
      received and any special Mortgagor application instructions and the Seller
      shall
      comply with the foregoing requirements with respect to all Monthly Payments
      received by the it after the related Transfer Date.

     

    (h)  Misapplied
      Payments.
      Misapplied payments shall be processed as follows:

     

    1.  All
      parties shall cooperate in correcting misapplication errors;

     

    2.  The
      party
      receiving notice of a misapplied payment occurring prior to the related Transfer
      Date and discovered after the related Transfer Date shall immediately notify
      the
      other party;

     

    3.  If
      a
      misapplied payment which occurred prior to the related Transfer Date cannot
      be
      identified and said misapplied payment has resulted in a shortage in a Custodial
      Account or Escrow Account, the Seller shall be liable for the amount of such
      shortage. The Seller shall reimburse the Purchaser for the amount of such
      shortage within thirty (30) days after receipt of written demand therefor
      from the Purchaser;

     

    4.  If
      a
      misapplied payment which occurred prior to the related Transfer Date has created
      an improper Purchase Price as the result of an inaccurate outstanding principal
      balance, a check shall be issued to the party shorted by the improper payment
      application within five (5) Business Days after notice thereof by the other
      party; and

     

    5.  Any
      check
      issued under the provisions of this Section
      8(h)
      shall be
      accompanied by a statement indicating the corresponding Seller and/or the
      Purchaser Mortgage Loan identification number and an explanation of the
      allocation of any such payments.

     

    (i)  Books
      and Records.
      On the
      related Transfer Date, the books, records and accounts of the Seller with
      respect to the related Mortgage Loans shall be in accordance with all Accepted
      Servicing Practices (as defined in the Interim Servicing
      Agreement).

     

    (j)  Reconciliation.
      The
      Seller shall on or before the related Transfer Date, reconcile principal
      balances and make any monetary adjustments necessary to accurately and correctly
      reconcile all servicing activities with respect to such Mortgage Loan, including
      all payments received and all advances made relating to such Mortgage Loan.
      Any
      such monetary adjustments will be transferred between the Seller and the
      Purchaser as appropriate.

     

    (k)  IRS
      Forms.
      The
      Seller shall file all IRS Forms 1099, 1099A, 1098 or 1041 and K-1 which are
      required to be filed on or before the related Transfer Date in relation to
      the
      servicing and ownership of the related Mortgage Loans. The Seller shall provide
      copies of such forms to the Purchaser upon request and shall reimburse the
      Purchaser for any costs or penalties incurred by the Purchaser due to the
      Seller’s failure to comply with this paragraph.

     

    SECTION
      9.  Representations,
      Warranties and Covenants of the Seller; Remedies for Breach.

     

    Subsection
      9.01  Representations
      and Warranties Regarding the Seller.

     

    The
      Seller represents, warrants and covenants to the Purchaser, its successors
      and
      assigns and the Successor Servicer that as of the date hereof and as of each
      Closing Date:

     

    (a)  Due
      Organization and Authority.
      The
      Seller is a corporation duly organized, validly existing and in good standing
      under the laws of the State of Delaware and has all licenses necessary to carry
      on its business as now being conducted and is licensed, qualified and in good
      standing in each state wherein it owns or leases any material properties or
      where a Mortgaged Property is located, if the laws of such state require
      licensing or qualification in order to conduct business of the type conducted
      by
      the Seller, and in any event the Seller is in compliance with the laws of any
      such state to the extent necessary to ensure the enforceability of the related
      Mortgage Loan in accordance with the terms of this Agreement; the Seller has
      the
      full power, authority and legal right to hold, transfer and convey the Mortgage
      Loans and to execute and deliver this Agreement and to perform its obligations
      hereunder; the execution, delivery and performance of this Agreement (including
      all instruments of transfer to be delivered pursuant to this Agreement) by
      the
      Seller and the consummation of the transactions contemplated hereby have been
      duly and validly authorized; this Agreement and all agreements contemplated
      hereby have been duly executed and delivered and constitute the valid, legal,
      binding and enforceable obligations of the Seller, regardless of whether such
      enforcement is sought in a proceeding in equity or at law; and all requisite
      corporate action has been taken by the Seller to make this Agreement and all
      agreements contemplated hereby valid and binding upon the Seller in accordance
      with their terms;

     

    (b)  Ordinary
      Course of Business.
      The
      consummation of the transactions contemplated by this Agreement are in the
      ordinary course of business of the Seller, and the transfer, assignment and
      conveyance of the Mortgage Notes and the Mortgages by the Seller pursuant to
      this Agreement are not subject to the bulk transfer or any similar statutory
      provisions in effect in any applicable jurisdiction;

     

    (c)  No
      Conflicts.
      Neither
      the execution and delivery of this Agreement, the acquisition or origination
      of
      the Mortgage Loans by the Seller, the sale of the Mortgage Loans to the
      Purchaser, the consummation of the transactions contemplated hereby, nor the
      fulfillment of or compliance with the terms and conditions of this Agreement,
      will conflict with or result in a breach of any of the terms, conditions or
      provisions of the Seller’s charter or by-laws or other organizational documents
      or any legal restriction or any agreement or instrument to which the Seller
      is
      now a party or by which it is bound, or constitute a default or result in an
      acceleration under any of the foregoing, or result in the violation of any
      law,
      rule, regulation, order, judgment or decree to which the Seller or its property
      is subject, or result in the creation or imposition of any lien, charge or
      encumbrance that would have an adverse effect upon any of its properties
      pursuant to the terms of any mortgage, contract, deed of trust or other
      instrument, or impair the ability of the Purchaser to realize on the Mortgage
      Loans, impair the value of the Mortgage Loans, or impair the ability of the
      Purchaser to realize the full amount of any insurance benefits accruing pursuant
      to this Agreement;

     

    (d)  Ability
      To Perform; Solvency.
      The
      Seller does not believe, nor does it have any reason or cause to believe, that
      it cannot perform each and every covenant contained in this Agreement. The
      Seller is solvent and the sale of the Mortgage Loans will not cause the Seller
      to become insolvent. The sale of the Mortgage Loans is not undertaken with
      the
      intent to hinder, delay or defraud any of Seller’s creditors;

     

    (e)  No
      Litigation Pending.
      There
      is no action, suit, proceeding or investigation pending or threatened against
      the Seller, before any court, administrative agency or other tribunal asserting
      the invalidity of this Agreement, seeking to prevent the consummation of any
      of
      the transactions contemplated by this Agreement or which, either in any one
      instance or in the aggregate, may result in any material adverse change in
      the
      business, operations, financial condition, properties or assets of the Seller,
      or in any material impairment of the right or ability of the Seller to carry
      on
      its business substantially as now conducted, or in any material liability on
      the
      part of the Seller, or which would draw into question the validity of this
      Agreement or the Mortgage Loans or of any action taken or to be taken in
      connection with the obligations of the Seller contemplated herein, or which
      would be likely to impair materially the ability of the Seller to perform under
      the terms of this Agreement. There is no action, suit, proceeding or
      investigation pending against the Seller with respect to the Mortgage Loans
      relating to fraud, predatory lending, servicing or closing
      practices;

     

    (f)  No
      Consent Required.
      No
      consent, approval, authorization or order of, or registration or filing with,
      or
      notice to any court or governmental agency or body including HUD, the FHA or
      the
      VA is required for the execution, delivery and performance by the Seller of
      or
      compliance by the Seller with this Agreement or the Mortgage Loans, the delivery
      of a portion of the Mortgage Files to the Custodian or the sale of the Mortgage
      Loans or the consummation of the transactions contemplated by this Agreement,
      or
      if required, such approval has been obtained prior to the related Closing
      Date;

     

    (g)  Selection
      Process.
      The
      Mortgage Loans were selected from among the outstanding one- to four-family
      mortgage loans in the Seller’s portfolio at the related Closing Date as to which
      the representations and warranties set forth in Subsection
      9.02
      could be
      made and such selection was not made in a manner so as to affect adversely
      the
      interests of the Purchaser;

     

    (h)  Delivery
      to the Custodian.
      The
      Mortgage Note, the Mortgage, the Assignment of Mortgage and any other documents
      required to be delivered with respect to each Mortgage Loan pursuant to the
      Custodial Agreement, and any other documents required to be delivered with
      respect to each Mortgage Loan pursuant to Section
      6.03
      hereof,
      shall be delivered to the Custodian. With respect to each Mortgage Loan, the
      Seller will be in possession of a complete Mortgage File in compliance with
      Exhibit A
      hereto,
      except for such documents as will be delivered to the Custodian;

     

    (i)  Mortgage
      Loan Characteristics.
      The
      characteristics of the Mortgage Loans are as set forth on the description of
      the
      pool characteristics for the Mortgage Loans delivered pursuant to Section 11
      on the
      related Closing Date in the form attached as Exhibit I
      hereto;

     

    (j)  No
      Untrue Information.
      Neither
      this Agreement nor any information, statement, tape, diskette, report, form,
      or
      other document furnished or to be furnished pursuant to this Agreement or any
      Reconstitution Agreement or in connection with the transactions contemplated
      hereby (including any Securitization Transaction, Whole Loan Transfer or Agency
      Transfer) contains an untrue statement of fact or omits to state a fact
      necessary to make the statements contained herein or therein not
      misleading;

     

    (k)  Financial
      Statements.
      The
      Seller has delivered to the Purchaser financial statements as to its last three
      complete fiscal years and any later quarter ended more than 60 days prior to
      the
      execution of this Agreement. All such financial statements fairly present the
      pertinent results of operations and changes in financial position for each
      of
      such periods and the financial position at the end of each such period of the
      Seller and its subsidiaries and have been prepared in accordance with generally
      accepted accounting principles consistently applied throughout the periods
      involved, except as set forth in the notes thereto. There has been no change
      in
      the business, operations, financial condition, properties or assets of the
      Seller since the date of the Seller’s financial statements that would have a
      material adverse effect on its ability to perform its obligations under this
      Agreement. The Seller has completed any forms requested by the Purchaser in
      a
      timely manner and in accordance with the provided instructions;

     

    (l)  Loan
      Experience.
      The
      Seller has delivered information as to its loan gain and loss experience in
      respect of foreclosures, its loan delinquency experience for the immediately
      preceding three-year period, prepayment speed and individual loan loss
      severities and delinquency histories for at least the immediately preceding
      year, in each case with respect to mortgage loans owned by it and such mortgage
      loans serviced for others during such period, and all such information so
      delivered shall be true and correct in all material respects;

     

    (m)  No
      Brokers.
      The
      Seller has not dealt with any broker, investment banker, agent or other person
      that may be entitled to any commission or compensation in connection with the
      sale of the Mortgage Loans;

     

    (n)  Sale
      Treatment.
      The
      Seller intends to reflect the transfer of the Mortgage Loans as a sale on the
      books and records of the Seller and the Seller has determined that the
      disposition of the Mortgage Loans pursuant to this Agreement will be afforded
      sale treatment for tax and accounting purposes;

     

    (o)  Owner
      of Record.
      Except
      for a MERS Designated Mortgage Loan, the Seller is the owner of record of each
      Mortgage and the indebtedness evidenced by each Mortgage Note, except for any
      Assignments of Mortgage which have been sent for recording, and upon recordation
      the Seller will be the owner of record of each Mortgage and the indebtedness
      evidenced by each Mortgage Note, and upon the sale of the Mortgage Loans to
      the
      Purchaser, the Seller will retain the Mortgage Files with respect thereto in
      trust only for the purpose of servicing and supervising the servicing of each
      Mortgage Loan;

     

    (p)  Reasonable
      Purchase Price.
      The
      Seller deems the consideration received upon the sale of the Mortgage Loans
      under this Agreement to be fair consideration and reasonably equivalent value
      for the Mortgage Loans;

     

    (q)  Seller’s
      Origination.
      The
      Seller’s decision to originate any mortgage loan or to deny any mortgage loan
      application is an independent decision based upon Seller’s underwriting
      guidelines, and is in no way made as a result of Purchaser’s decision to
      purchase, or not to purchase, or the price Purchaser may offer to pay for,
      any
      such mortgage loan, if originated; 

     

    (r)  Reports.
      On or
      prior to the date which is two Business Days after the related Closing Date,
      Seller will provide the Custodian and the Purchaser with a MERS Report
      reflecting the Custodian as Investor with respect to each MERS Designated
      Mortgage Loan and no Person as Interim Funder for each MERS Designated Mortgage
      Loan; and

     

    (s)  MERS
      Designations.
      With
      respect to each MERS Designated Mortgage Loan, on the related Closing Date,
      the
      Seller has initiated the process of designating the Custodian as the Investor
      on
      the MERS® System. With respect to each MERS Designated Mortgage Loan, no Person
      is listed as Interim Funder on the MERS® System.

     

    Subsection
      9.02  Representations
      and Warranties Regarding Individual Mortgage Loans.

     

    The
      Seller hereby represents and warrants to the Purchaser, its successors and
      assigns and the Successor Servicer that, as to each Mortgage Loan, as of the
      related Closing Date for such Mortgage Loan:

     

    (a)  Mortgage
      Loans as Described.
      The
      information set forth in the related Mortgage Loan Schedule is complete, true
      and correct;

     

    (b)  Payments
      Current.
      All
      payments required to be made up to the related Closing Date for the Mortgage
      Loan under the terms of the Mortgage Note, other than payments for which the
      related due date was not thirty (30) or more days prior to the related Closing
      Date, have been made and credited. No Mortgage Loan has been delinquent for
      thirty (30) or more days at any time since the origination of the Mortgage
      Loan;

     

    (c)  No
      Outstanding Charges.
      There
      are no defaults in complying with the terms of the Mortgage, and no delinquent
      taxes, governmental assessments, insurance premiums, water, sewer and municipal
      charges, leasehold payments or ground rents, or an escrow of funds has been
      established in an amount sufficient to pay for every such item which remains
      unpaid and which has been assessed but is not yet due and payable. The Seller
      has not advanced funds, or induced, solicited or knowingly received any advance
      of funds by a party other than the Mortgagor, directly or indirectly, for the
      payment of any amount required under the Mortgage Loan, except for interest
      accruing from the date of the Mortgage Note or date of disbursement of the
      Mortgage Loan proceeds, whichever is earlier, to the day which precedes by
      one
      month the Due Date of the first installment of principal and
      interest;

     

    (d)  Original
      Terms Unmodified.
      The
      terms of the Mortgage Note and Mortgage have not been impaired, waived, altered
      or modified in any respect, from the date of origination except by a written
      instrument which has been recorded, if necessary to protect the interests of
      the
      Purchaser, and which has been delivered to the Custodian or to such other Person
      as the Purchaser shall designate in writing, and the terms of which are
      reflected in the related Mortgage Loan Schedule. No Mortgage Loan has been
      modified so as to restructure the payment obligations or re-age the Mortgage
      Loan. The substance of any such waiver, alteration or modification has been
      approved by the title insurer, if any, to the extent required by the policy,
      and
      its terms are reflected on the related Mortgage Loan Schedule, if applicable.
      No
      Mortgagor has been released, in whole or in part, except in connection with
      an
      assumption agreement, approved by the issuer of the title insurer, to the extent
      required by the policy, and which assumption agreement is part of the Mortgage
      Loan File delivered to the Custodian or to such other Person as the Purchaser
      shall designate in writing and the terms of which are reflected in the related
      Mortgage Loan Schedule;

     

    (e)  No
      Defenses.
      The
      Mortgage Loan is not subject to any right of rescission, set-off, counterclaim
      or defense, including without limitation the defense of usury, nor will the
      operation of any of the terms of the Mortgage Note or the Mortgage, or the
      exercise of any right thereunder, render either the Mortgage Note or the
      Mortgage unenforceable, in whole or in part, or subject to any right of
      rescission, set-off, counterclaim or defense, including without limitation
      the
      defense of usury, and no such right of rescission, set-off, counterclaim or
      defense has been asserted with respect thereto, and no Mortgagor was a debtor
      in
      any state or Federal bankruptcy or insolvency proceeding at the time the
      Mortgage Loan was originated;

     

    (f)  Hazard
      Insurance.
      Pursuant to the terms of the Mortgage, all buildings or other improvements
      upon
      the Mortgaged Property are insured by a generally acceptable insurer against
      loss by fire, hazards of extended coverage and such other hazards as are
      provided for in the Fannie Mae Guides or by Freddie Mac, as well as all
      additional requirements set forth in Section 2.10 of the Interim Servicing
      Agreement. If required by the National Flood Insurance Act of 1968, as amended,
      each Mortgage Loan is covered by a flood insurance policy meeting the
      requirements of the current guidelines of the Federal Insurance Administration
      is in effect which policy conforms to Fannie Mae and Freddie Mac, as well as
      all
      additional requirements set forth in Section 2.10 of the Interim Servicing
      Agreement. All individual insurance policies contain a standard mortgagee clause
      naming the Seller and its successors and assigns as mortgagee, and all premiums
      thereon have been paid. The Mortgage obligates the Mortgagor thereunder to
      maintain the hazard insurance policy at the Mortgagor’s cost and expense, and on
      the Mortgagor’s failure to do so, authorizes the holder of the Mortgage to
      obtain and maintain such insurance at such Mortgagor’s cost and expense, and to
      seek reimbursement therefor from the Mortgagor. Where required by state law
      or
      regulation, the Mortgagor has been given an opportunity to choose the carrier
      of
      the required hazard insurance, provided the policy is not a “master”
or
      “blanket”
hazard
      insurance policy covering a condominium, or any hazard insurance policy covering
      the common facilities of a planned unit development. The hazard insurance policy
      is the valid and binding obligation of the insurer, is in full force and effect,
      and will be in full force and effect and inure to the benefit of the Purchaser
      upon the consummation of the transactions contemplated by this Agreement. The
      Seller has not engaged in, and has no knowledge of the Mortgagor’s or any
      servicer’s having engaged in, any act or omission which would impair the
      coverage of any such policy, the benefits of the endorsement provided for
      herein, or the validity and binding effect of such policy, without limitation,
      no unlawful fee, commission, kickback or other unlawful compensation or value
      of
      any kind has been or will be received, retained or realized by any attorney,
      firm or other person or entity, and no such unlawful items have been received,
      retained or realized by the Seller;

     

    (g)  Compliance
      with Applicable Laws.
      Any and
      all requirements of any federal, state or local law including, without
      limitation, usury, truth-in-lending, real estate settlement procedures, consumer
      credit protection, predatory, abusive and fair lending laws, equal credit
      opportunity and disclosure laws or unfair and deceptive practices laws
      applicable to the Mortgage Loan including, without limitation, any provisions
      relating to prepayment penalties, have been complied with, the consummation
      of
      the transactions contemplated hereby will not involve the violation of any
      such
      laws or regulations, and the Seller shall maintain in its possession, available
      for the Purchaser’s inspection, and shall deliver to the Purchaser upon demand,
      evidence of compliance with all such requirements. This representation and
      warranty is a Deemed Material Breach Representation;

     

    (h)  No
      Satisfaction of Mortgage.
      The
      Mortgage has not been satisfied, canceled, subordinated or rescinded, in whole
      or in part, and the Mortgaged Property has not been released from the lien
      of
      the Mortgage, in whole or in part, nor has any instrument been executed that
      would effect any such release, cancellation, subordination or rescission. The
      Seller has not waived the performance by the Mortgagor of any action, if the
      Mortgagor’s failure to perform such action would cause the Mortgage Loan to be
      in default, nor has the Seller waived any default resulting from any action
      or
      inaction by the Mortgagor;

     

    (i)  Location
      and Type of Mortgaged Property.
      The
      Mortgaged Property is located in the state identified in the related Mortgage
      Loan Schedule and consists of real property with a detached single family
      residence erected thereon, or a two- to four-family dwelling, or an individual
      condominium unit in a low-rise condominium project, or an individual unit in
      a
      planned unit development or a de minimis planned unit development which is
      in
      each case four stories or less, provided, however, that any mobile home (double
      wide only) or manufactured dwelling shall conform with the applicable Fannie
      Mae
      and Freddie Mac requirements regarding such dwellings and that no Mortgage
      Loan
      is secured by a single parcel of real property with a cooperative housing
      corporation, a log home or a mobile home erected thereon or by a mixed-use
      property, a property in excess of 10 acres, or other unique property types.
      As
      of the date of origination, no portion of the Mortgaged Property was used for
      commercial purposes, and since the date of origination, no portion of the
      Mortgaged Property has been used for commercial purposes; provided, that
      Mortgaged Properties which contain a home office shall not be considered as
      being used for commercial purposes as long as the Mortgaged Property has not
      been altered for commercial purposes and is not storing any chemicals or raw
      materials other than those commonly used for homeowner repair, maintenance
      and/or household purposes. With respect to any Mortgage Loan secured by a
      Mortgaged Property improved by manufactured housing, (i) the related
      manufactured housing unit is permanently affixed to the land, (ii) the
      related manufactured housing unit and the related land are subject to a Mortgage
      properly filed in the appropriate public recording office and naming the Seller
      as mortgagee, (iii) the related Mortgaged Property is not located in the state
      of New Jersey and (iv) as of the origination date of the related Mortgage Loan,
      the related manufactured housing unit that secures such Mortgage Loan either:
      (x) was the principal residence of the Mortgagor or (y) was classified as real
      property under applicable state law. This representation and warranty is a
      Deemed Material Breach Representation;

     

    (j)  Valid
      First or Second Lien.
      The
      Mortgage is a valid, subsisting, enforceable and perfected, first or second
      lien
      (as applicable) on the Mortgaged Property, including all buildings and
      improvements on the Mortgaged Property and all installations and mechanical,
      electrical, plumbing, heating and air conditioning systems located in or annexed
      to such buildings, and all additions, alterations and replacements made at
      any
      time with respect to the foregoing. The lien of the Mortgage is subject only
      to:

     

    1.  the
      lien
      of current real property taxes and assessments not yet due and
      payable;

     

    2.  covenants,
      conditions and restrictions, rights of way, easements and other matters of
      the
      public record as of the date of recording acceptable to prudent mortgage lending
      institutions generally and specifically referred to in the lender’s title
      insurance policy delivered to the originator of the Mortgage Loan and
      (a) specifically referred to or otherwise considered in the appraisal made
      for the originator of the Mortgage Loan or (b) which do not adversely
      affect the Appraised Value of the Mortgaged Property set forth in such
      appraisal;

     

    3.  other
      matters to which like properties are commonly subject which do not materially
      interfere with the benefits of the security intended to be provided by the
      Mortgage or the use, enjoyment, value or marketability of the related Mortgaged
      Property; and

     

    4.  with
      respect to Second Lien Mortgage Loans, the lien of the first mortgage on the
      Mortgaged Property.

     

    Any
      security agreement, chattel mortgage or equivalent document related to and
      delivered in connection with the Mortgage Loan establishes and creates a valid,
      subsisting, enforceable and perfected (A) first lien and first priority
      security interest with respect to each first lien mortgage loan, or
      (B) second lien and second priority security interest with respect to each
      Second Lien Mortgage Loan, in either case, on the property described therein
      and
      Seller has full right to sell and assign the same to Purchaser.

     

    (k)  Validity
      of Mortgage Documents.
      The
      Mortgage Note and the Mortgage and any other agreement executed and delivered
      by
      a Mortgagor in connection with a Mortgage Loan are genuine, and each is the
      legal, valid and binding obligation of the maker thereof enforceable in
      accordance with its terms (including, without limitation, any provisions therein
      relating to Prepayment Charges). All parties to the Mortgage Note, the Mortgage
      and any other such related agreement had legal capacity to enter into the
      Mortgage Loan and to execute and deliver the Mortgage Note, the Mortgage and
      any
      such agreement, and the Mortgage Note, the Mortgage and any other such related
      agreement have been duly and properly executed by other such related parties.
      No
      fraud, error, omission, misrepresentation or similar occurrence with respect
      to
      a Mortgage Loan has taken place on the part of any Person, including without
      limitation, the Mortgagor, any appraiser, any builder or developer, or any
      other
      party involved in the origination or servicing of the Mortgage
      Loan;

     

    (l)  Full
      Disbursement of Proceeds.
      The
      Mortgage Loan has been closed and the proceeds of the Mortgage Loan have been
      fully disbursed and there is no requirement for future advances thereunder,
      and
      any and all requirements as to completion of any on-site or off-site improvement
      and as to disbursements of any escrow funds therefor have been complied with.
      All costs, fees and expenses incurred in making or closing the Mortgage Loan
      and
      the recording of the Mortgage were paid, and the Mortgagor is not entitled
      to
      any refund of any amounts paid or due under the Mortgage Note or
      Mortgage;

     

    (m)  Ownership.
      The
      Seller is the sole owner of record and holder of the Mortgage Loan and the
      indebtedness evidenced by each Mortgage Note. The Mortgage Loan is not assigned
      or pledged, and the Seller has good, indefeasible and marketable title thereto,
      and has full right to transfer and sell the Mortgage Loan to the Purchaser
      free
      and clear of any encumbrance, equity, participation interest, lien, pledge,
      charge, claim or security interest, and has full right and authority subject
      to
      no interest or participation of, or agreement with, any other party, to sell
      and
      assign each Mortgage Loan pursuant to this Agreement and following the sale
      of
      each Mortgage Loan, the Purchaser will own such Mortgage Loan free and clear
      of
      any encumbrance, equity, participation interest, lien, pledge, charge, claim
      or
      security interest. The Seller intends to relinquish all rights to possess,
      control and monitor the Mortgage Loan. After the related Closing Date, the
      Seller will have no right to modify or alter the terms of the sale of the
      Mortgage Loan and the Seller will have no obligation or right to repurchase
      the
      Mortgage Loan or substitute another Mortgage Loan, except as provided in this
      Agreement;

     

    (n)  Doing
      Business.
      All
      parties which have had any interest in the Mortgage Loan, whether as mortgagee,
      assignee, pledgee or otherwise, are (or, during the period in which they held
      and disposed of such interest, were) (1) in compliance with any and all
      applicable licensing requirements of the laws of the state wherein the Mortgaged
      Property is located, and (2) either (i) organized under the laws of
      such state, or (ii) qualified to do business in such state, or (iii) a
      federal savings and loan association, a savings bank or a national bank having
      a
      principal office in such state, or (3) not doing business in such
      state;

     

    (o)  CLTV,
      LTV.
      No
      Mortgage Loan that is a Second Lien Mortgage Loan has a CLTV in excess of 100%.
      No Mortgage Loan has an LTV greater than 100%.

     

    (p)  Title
      Insurance.
      The
      Mortgage Loan is covered by an ALTA lender’s title insurance policy, or with
      respect to any Mortgage Loan for which the related Mortgaged Property is located
      in California a CLTA lender’s title insurance policy, or other generally
      acceptable form of policy or insurance acceptable to Fannie Mae or Freddie
      Mac
      and each such title insurance policy is issued by a title insurer acceptable
      to
      Fannie Mae or Freddie Mac and qualified to do business in the jurisdiction
      where
      the Mortgaged Property is located, insuring the Seller, its successors and
      assigns, as to the first priority lien (with respect to first lien Mortgage
      Loans) or second priority lien (with respect to Second Lien Mortgage Loans)
      of
      the Mortgage in the original principal amount of the Mortgage Loan, subject
      only
      to the exceptions contained in clauses (1), (2), (3) and (4) of paragraph (j)
      of
      this Subsection
      9.02,
      and in
      the case of adjustable rate Mortgage Loans, against any loss by reason of the
      invalidity or unenforceability of the lien resulting from the provisions of
      the
      Mortgage providing for adjustment to the Mortgage Interest Rate and Monthly
      Payment. Where required by state law or regulation, the Mortgagor has been
      given
      the opportunity to choose the carrier of the required mortgage title insurance.
      Additionally, such lender’s title insurance policy affirmatively insures ingress
      and egress, and against encroachments by or upon the Mortgaged Property or
      any
      interest therein. The title policy does not contain any special exceptions
      (other than the standard exclusions) for zoning and uses and has been marked
      to
      delete the standard survey exceptions or to replace the standard survey
      exception with a specific survey reading. The Seller, its successors and
      assigns, are the sole insureds of such lender’s title insurance policy, and such
      lender’s title insurance policy is valid and remains in full force and effect
      and will be in force and effect upon the consummation of the transactions
      contemplated by this Agreement. No claims have been made under such lender’s
      title insurance policy, and no prior holder of the related Mortgage, including
      the Seller, has done, by act or omission, anything which would impair the
      coverage of such lender’s title insurance policy, including without limitation,
      no unlawful fee, commission, kickback or other unlawful compensation or value
      of
      any kind has been or will be received, retained or realized by any attorney,
      firm or other person or entity, and no such unlawful items have been received,
      retained or realized by the Seller;

     

    (q)  No
      Defaults.
      Other
      than payments due but not yet thirty (30) days or more delinquent, there is
      no
      default, breach, violation or event which would permit acceleration existing
      under the Mortgage or the Mortgage Note and no event which, with the passage
      of
      time or with notice and the expiration of any grace or cure period, would
      constitute a default, breach, violation or event which would permit
      acceleration, and neither the Seller nor any of its affiliates nor any of their
      respective predecessors, have waived any default, breach, violation or event
      which would permit acceleration. With respect to each Second Lien Mortgage
      Loan,
      (i) the prior mortgage is in full force and effect, (ii) there is no
      default, breach, violation or event of acceleration existing under such prior
      mortgage or the related mortgage note, (iii) as of the related Closing
      Date, no event which, with the passage of time or with notice and the expiration
      of any grace or cure period, would constitute a default, breach, violation
      or
      event of acceleration thereunder, and either (A) the prior mortgage
      contains a provision which allows or (B) applicable law requires, the
      mortgagee under the Second Lien Mortgage Loan to receive notice of, and affords
      such mortgagee an opportunity to cure any default by payment in full or
      otherwise under the prior mortgage;

     

    (r)  No
      Mechanics’ Liens.
      There
      are no mechanics’ or similar liens or claims which have been filed for work,
      labor or material (and no rights are outstanding that under law could give
      rise
      to such liens) affecting the related Mortgaged Property which are or may be
      liens prior to, or equal or coordinate with, the lien of the related Mortgage,
      unless insured against by a title insurance policy;

     

    (s)  Location
      of Improvements; No Encroachments.
      All
      improvements which were considered in determining the Appraised Value of the
      Mortgaged Property lay wholly within the boundaries and building restriction
      lines of the Mortgaged Property, and no improvements on adjoining properties
      encroach upon the Mortgaged Property. No improvement located on or being part
      of
      the Mortgaged Property is in violation of any applicable zoning law or
      regulation;

     

    (t)  Origination;
      Payment Terms.
      The
      Mortgage Loan was originated by a mortgagee approved by the Secretary of Housing
      and Urban Development pursuant to Sections 203 and 211 of the National
      Housing Act, a savings and loan association, a savings bank, a commercial bank,
      credit union, insurance company or other similar institution which is supervised
      and examined by a federal or state authority. No Mortgage Loan contains terms
      or
      provisions which would result in negative amortization. Principal payments
      on
      the Mortgage Loan commenced no more than sixty (60) days after funds were
      disbursed in connection with the Mortgage Loan. The Mortgage Interest Rate
      as
      well as the Lifetime Rate Cap and the Periodic Cap, are as set forth on
Exhibit I
      hereto.
      The Mortgage Note is payable in equal monthly installments of principal and/or
      interest, which installments of interest, with respect to Adjustable Rate
      Mortgage Loans, are subject to change due to the adjustments to the Mortgage
      Interest Rate on each Interest Rate Adjustment Date, with interest calculated
      and payable in arrears, sufficient (except with respect to interest-only loans)
      to amortize the Mortgage Loan fully by the stated maturity date, over an
      original term of not more than thirty (30) years from commencement of
      amortization. The Mortgage Loan is payable on the first day of each month.
      There
      are no Convertible Mortgage Loans which contain a provision allowing the
      Mortgagor to convert the Mortgage Note from an adjustable interest rate Mortgage
      Note to a fixed interest rate Mortgage Note. No Mortgage Loan is a balloon
      mortgage loan that has an original stated maturity of less than seven (7)
      years;

     

    (u)  Customary
      Provisions.
      The
      Mortgage contains customary and enforceable provisions such as to render the
      rights and remedies of the holder thereof adequate for the realization against
      the Mortgaged Property of the benefits of the security provided thereby,
      including, (i) in the case of a Mortgage designated as a deed of trust, by
      trustee’s sale, and (ii) otherwise by judicial foreclosure. Upon default by
      a Mortgagor on a Mortgage Loan and foreclosure on, or trustee’s sale of, the
      Mortgaged Property pursuant to the proper procedures, the holder of the Mortgage
      Loan will be able to deliver good and merchantable title to the Mortgaged
      Property. There is no homestead or other exemption available to a Mortgagor
      which would interfere with the right to sell the Mortgaged Property at a
      trustee’s sale or the right to foreclose the Mortgage, subject to applicable
      federal and state laws and judicial precedent with respect to bankruptcy and
      right of redemption or similar law;

     

    (v)  Conformance
      with Agency and Underwriting Standards.
      The
      Mortgage Loan was underwritten in accordance with the Underwriting Standards
      (a
      copy of which is attached hereto as Exhibit
      J).
      The
      Mortgage Note and Mortgage are on forms acceptable to Freddie Mac or Fannie
      Mae
      and the Seller has not made any representations to a Mortgagor that are
      inconsistent with the mortgage instruments used;

     

    (w)  Occupancy
      of the Mortgaged Property.
      The
      Mortgaged Property is lawfully occupied under applicable law. All inspections,
      licenses and certificates required to be made or issued with respect to all
      occupied portions of the Mortgaged Property and, with respect to the use and
      occupancy of the same, including but not limited to certificates of occupancy
      and fire underwriting certificates, have been made or obtained from the
      appropriate authorities;

     

    (x)  No
      Additional Collateral.
      The
      Mortgage Note is not and has not been secured by any collateral except the
      lien
      of the corresponding Mortgage and the security interest of any applicable
      security agreement or chattel mortgage referred to in clause (j)
      above;

     

    (y)  Deeds
      of Trust.
      In the
      event the Mortgage constitutes a deed of trust, a trustee, authorized and duly
      qualified under applicable law to serve as such, has been properly designated
      and currently so serves and is named in the Mortgage, and no fees or expenses
      are or will become payable by the Purchaser to the trustee under the deed of
      trust, except in connection with a trustee’s sale after default by the
      Mortgagor;

     

    (z)  Acceptable
      Investment.
      There
      are no circumstances or conditions with respect to the Mortgage, the Mortgaged
      Property, the Mortgagor, the Mortgage File or the Mortgagor’s credit standing
      that can reasonably be expected to cause private institutional investors to
      regard the Mortgage Loan as an unacceptable investment, cause the Mortgage
      Loan
      to become delinquent, or adversely affect the value or marketability of the
      Mortgage Loan, or cause the Mortgage Loans to prepay during any period
      materially faster or slower than the mortgage loans originated by the Seller
      generally;

     

    (aa)  Delivery
      of Mortgage Documents.
      The
      Mortgage Note, the Mortgage, the Assignment of Mortgage and any other documents
      constituting the Mortgage File for each Mortgage Loan have been delivered to
      the
      Custodian. The Seller is in possession of a complete, true and accurate Mortgage
      File in compliance with Exhibit A
      hereto,
      except for such documents the originals of which have been delivered to the
      Custodian;

     

    (bb)  Condominiums/Planned
      Unit Developments.
      If the
      Mortgaged Property is a condominium unit or a planned unit development (other
      than a de minimis planned unit development) such condominium or planned unit
      development project such Mortgage Loan was originated in accordance with, and
      the Mortgaged Property meets the guidelines set forth in the Seller’s
      Underwriting Guidelines;

     

    (cc)  Transfer
      of Mortgage Loans.
      The
      Assignment of Mortgage (except with respect to any Mortgage that has been
      recorded in the name of MERS or its designee), with respect to each Mortgage
      Loan is in recordable form and is acceptable for recording under the laws of
      the
      jurisdiction in which the Mortgaged Property is located. The transfer,
      assignment and conveyance of the Mortgage Notes and the Mortgages by the Seller
      are not subject to the bulk transfer or similar statutory provisions in effect
      in any applicable jurisdiction;

     

    (dd)  Due-On-Sale.
      With
      respect to each Fixed Rate Mortgage Loan, the Mortgage contains an enforceable
      provision for the acceleration of the payment of the unpaid principal balance
      of
      the Mortgage Loan in the event that the Mortgaged Property is sold or
      transferred without the prior written consent of the mortgagee thereunder,
      and
      such provision is enforceable;

     

    (ee)  Assumability.
      None of
      the Mortgage Loans are, by their terms, assumable;

     

    (ff)  No
      Buydown Provisions; No Graduated Payments or Contingent
      Interests.
      The
      Mortgage Loan does not contain provisions pursuant to which Monthly Payments
      are
      paid or partially paid with funds deposited in any separate account established
      by the Seller, the Mortgagor, or anyone on behalf of the Mortgagor, or paid
      by
      any source other than the Mortgagor nor does it contain any other similar
      provisions which may constitute a “buydown” provision. The Mortgage Loan is not
      a graduated payment mortgage loan and the Mortgage Loan does not have a shared
      appreciation or other contingent interest feature;

     

    (gg)  Consolidation
      of Future Advances.
      Any
      future advances made to the Mortgagor prior to the related Cut-off Date have
      been consolidated with the outstanding principal amount secured by the Mortgage,
      and the secured principal amount, as consolidated, bears a single interest
      rate
      and single repayment term. The lien of the Mortgage securing the consolidated
      principal amount is expressly insured as having first or second lien priority
      (as applicable) by a title insurance policy, an endorsement to the policy
      insuring the mortgagee’s consolidated interest or by other title evidence
      acceptable to Fannie Mae and Freddie Mac. The consolidated principal amount
      does
      not exceed the original principal amount of the Mortgage Loan;

     

    (hh)  Mortgaged
      Property Undamaged; No Condemnation Proceedings.
      There
      is no proceeding pending or to the best of Seller’s knowledge threatened for the
      total or partial condemnation of the Mortgaged Property. The Mortgaged Property
      is undamaged by waste, fire, earthquake or earth movement, windstorm, flood,
      hurricane, tornado or other casualty so as to affect adversely the value of
      the
      Mortgaged Property as security for the Mortgage Loan or the use for which the
      premises were intended and each Mortgaged Property is in good
      repair;

     

    (ii)  Collection
      Practices; Escrow Deposits; Interest Rate Adjustments.
      The
      origination, servicing and collection practices used by the Seller, and any
      prior servicer with respect to the Mortgage Loan have been in all respects
      in
      compliance with Accepted Servicing Practices, applicable laws and regulations,
      and have been in all respects legal and proper and prudent in the mortgage
      origination and servicing business. With respect to escrow deposits and Escrow
      Payments, all such payments are in the possession of, or under the control
      of
      the Seller and there exist no deficiencies in connection therewith for which
      customary arrangements for repayment thereof have not been made. All Escrow
      Payments have been collected in full compliance with state and federal law
      and
      the provisions of the related Mortgage Note and Mortgage. An escrow of funds
      is
      not prohibited by applicable law and has been established in an amount
      sufficient to pay for every item that remains unpaid and has been assessed
      but
      is not yet due and payable. No escrow deposits or Escrow Payments or other
      charges or payments due the Seller have been capitalized under the Mortgage
      or
      the Mortgage Note. All Mortgage Interest Rate adjustments have been made in
      strict compliance with state and federal law and the terms of the related
      Mortgage and Mortgage Note on the related Interest Rate Adjustment Date. The
      Seller executed and delivered any and all notices required under applicable
      law
      and the terms of the related Mortgage Note and Mortgage regarding the Mortgage
      Interest Rate and the Monthly Payment adjustments. Any interest required to
      be
      paid pursuant to state, federal and local law has been properly paid and
      credited;

     

    (jj)  Conversion
      to Fixed Interest Rate.
      With
      respect to Adjustable Rate Mortgage Loans, the Mortgage Loan is not a
      Convertible Mortgage Loan;

     

    (kk)  Other
      Insurance Policies.
      To the
      best of Seller’s knowledge, no action, inaction or event has occurred and no
      state of facts exists or has existed that has resulted or will result in the
      exclusion from, denial of, or defense to coverage under any applicable, special
      hazard insurance policy, or bankruptcy bond, irrespective of the cause of such
      failure of coverage. In connection with the placement of any such insurance,
      no
      commission, fee, or other compensation has been or will be received by the
      Seller or by any officer, director, or employee of the Seller or any designee
      of
      the Seller or any corporation in which the Seller or any officer, director,
      or
      employee had a financial interest at the time of placement of such
      insurance;

     

    (ll)  No
      Violation of Environmental Laws.
      The
      Mortgaged Property is free from any and all toxic or hazardous substances and
      there exists no violation of any local, state or federal environmental law,
      rule
      or regulation. There is no pending action or proceeding directly involving
      the
      Mortgaged Property in which compliance with any environmental law, rule or
      regulation is an issue; and nothing further remains to be done to satisfy in
      full all requirements of each such law, rule or regulation constituting a
      prerequisite to use and enjoyment of said property;

     

    (mm)  Servicemembers
      Civil Relief Act of 2003.
      The
      Mortgagor has not notified the Seller, and the Seller has no knowledge of any
      relief requested or allowed to the Mortgagor under the Servicemembers Civil
      Relief Act of 2003;

     

    (nn)  Appraisal.
      The
      Mortgage File contains an appraisal of the related Mortgaged Property signed
      prior to the approval of the Mortgage Loan application by a Qualified Appraiser,
      duly appointed by the related originator, who had no interest, direct or
      indirect in the Mortgaged Property or in any loan made on the security thereof,
      and whose compensation is not affected by the approval or disapproval of the
      Mortgage Loan, and the appraisal and appraiser both satisfy the requirements
      of
      Fannie Mae or Freddie Mac and Title XI of the Financial Institutions Reform,
      Recovery, and Enforcement Act of 1989 and the regulations promulgated
      thereunder, all as in effect on the date the Mortgage Loan was
      originated;

     

    (oo)  Disclosure
      Materials.
      To the
      extent required by law, the Mortgagor has executed a statement to the effect
      that the Mortgagor has received all disclosure materials required by, and the
      Seller has complied with, all applicable law with respect to the making of
      the
      Mortgage Loans. The Seller shall maintain such statement in the Mortgage
      File;

     

    (pp)  Construction
      or Rehabilitation of Mortgaged Property.
      No
      Mortgage Loan was made in connection with the construction or rehabilitation
      of
      a Mortgaged Property or facilitating the trade-in or exchange of a Mortgaged
      Property;

     

    (qq)  Value
      of Mortgaged Property.
      The
      Seller has no knowledge of any circumstances existing that could be expected
      to
      adversely affect the value or the marketability of any Mortgaged Property or
      Mortgage Loan or to cause the Mortgage Loans to prepay during any period
      materially faster or slower than similar mortgage loans held by the Seller
      generally secured by properties in the same geographic area as the related
      Mortgaged Property;

     

    (rr)  No
      Defense to Insurance Coverage.
      The
      Seller has caused or will cause to be performed any and all acts required to
      preserve the rights and remedies of the Purchaser in any insurance policies
      applicable to the Mortgage Loans including, without limitation, any necessary
      notifications of insurers, assignments of policies or interests therein, and
      establishments of coinsured, joint loss payee and mortgagee rights in favor
      of
      the Purchaser. No action has been taken or failed to be taken, no event has
      occurred and no state of facts exists or has existed on or prior to the related
      Closing Date (whether or not known to the Seller on or prior to such date)
      which
      has resulted or will result in an exclusion from, denial of, or defense to
      coverage under any Primary Mortgage Insurance (including, without limitation,
      any exclusions, denials or defenses which would limit or reduce the availability
      of the timely payment of the full amount of the loss otherwise due thereunder
      to
      the insured) whether arising out of actions, representations, errors, omissions,
      negligence, or fraud of the Seller, the related Mortgagor or any party involved
      in the application for such coverage, including the appraisal, plans and
      specifications and other exhibits or documents submitted therewith to the
      insurer under such insurance policy, or for any other reason under such
      coverage, but not including the failure of such insurer to pay by reason of
      such
      insurer’s breach of such insurance policy or such insurer’s financial inability
      to pay;

     

    (ss)  Escrow
      Analysis.
      With
      respect to each Mortgage, the Seller has within the last twelve (12) months
      (unless such Mortgage was originated within such twelve-month period) analyzed
      the required Escrow Payments for each Mortgage and adjusted the amount of such
      payments so that, assuming all required payments are timely made, any deficiency
      will be eliminated on or before the first anniversary of such analysis, or
      any
      overage will be refunded to the Mortgagor, in accordance with RESPA and any
      other applicable law;

     

    (tt)  Prior
      Servicing.
      Each
      Mortgage Loan has been serviced in strict compliance with Accepted Servicing
      Practices;

     

    (uu)  Credit
      Information.
      As to
      each consumer report (as defined in the Fair Credit Reporting Act, Public Law
      91-508) or other credit information furnished by the Seller to the Purchaser,
      that Seller has full right and authority and is not precluded by law or contract
      from furnishing such information to the Purchaser and the Purchaser is not
      precluded by the terms of the Mortgage Loan Documents from furnishing the same
      to any subsequent or prospective purchaser of such Mortgage. The Seller shall
      hold the Purchaser harmless from any and all damages, losses, costs and expenses
      (including attorney’s fees) arising from disclosure of credit information in
      connection with the Purchaser’s secondary marketing operations and the purchase
      and sale of mortgages. The Seller has in its capacity as servicer, for each
      Mortgage Loan, fully furnished, in accordance with the Fair Credit Reporting
      Act
      and its implementing regulations, accurate and complete information (e.g.,
      favorable and unfavorable) on its borrower credit files to Equifax, Experian
      and
      Trans Union Credit Information Company (three of the credit repositories),
      on a
      monthly basis. The Servicer will transmit full-file credit reporting data for
      each Mortgage Loan pursuant to Fannie Mae Guide Announcement 95-19 and that
      for
      each Mortgage Loan, Servicer agrees it shall report one of the following
      statuses each month as follows: new origination, current, delinquent (30-,
      60-,
      90-days, etc.), foreclosed, or charged-off. This representation and warranty
      is
      a Deemed Material Breach Representation;

     

    (vv)  Leaseholds.
      If the
      Mortgage Loan is secured by a long-term residential lease, (1) the lessor
      under the lease holds a fee simple interest in the land; (2) the terms of
      such lease expressly permit the mortgaging of the leasehold estate, the
      assignment of the lease without the lessor’s consent and the acquisition by the
      holder of the Mortgage of the rights of the lessee upon foreclosure or
      assignment in lieu of foreclosure or provide the holder of the Mortgage with
      substantially similar protections; (3) the terms of such lease do not
      (a) allow the termination thereof upon the lessee’s default without the
      holder of the Mortgage being entitled to receive written notice of, and
      opportunity to cure, such default, (b) allow the termination of the lease
      in the event of damage or destruction as long as the Mortgage is in existence,
      (c) prohibit the holder of the Mortgage from being insured (or receiving
      proceeds of insurance) under the hazard insurance policy or policies relating
      to
      the Mortgaged Property or (d) permit any increase in rent other than
      pre-established increases set forth in the lease; (4) the original term of
      such lease is not less than 15 years; (5) the term of such lease does not
      terminate earlier than five years after the maturity date of the Mortgage Note;
      and (6) the Mortgaged Property is located in a jurisdiction in which the
      use of leasehold estates in transferring ownership in residential properties
      is
      a widely accepted practice;

     

    (ww)  Prepayment
      Penalty.
      The
      Mortgage Loan is subject to a Prepayment Penalty as provided in the related
      Mortgage Note except as set forth on the related Mortgage Loan Schedule. With
      respect to each Mortgage Loan that has a Prepayment Penalty feature, each such
      Prepayment Penalty is enforceable and will be enforced by the Seller for the
      benefit of the Purchaser, and each Prepayment Penalty is permitted pursuant
      to
      federal, state and local law. Each
      such
      Prepayment Penalty
      is
      in an
      amount not more than the maximum amount permitted under applicable law and
      no
      such Prepayment Penalty may provide for a term in excess of five (5) years
      with
      respect to Mortgage Loans originated prior to October, 1, 2002. With respect
      to
      Mortgage Loans originated on or after October 1, 2002, except as set forth
      on
      the Mortgage Loan Schedule, the duration of the Prepayment Penalty period shall
      not exceed three (3) years from the date of the Mortgage Note unless the
      Mortgage Loan was modified to reduce the Prepayment Penalty period to no more
      than three (3) years from the date of such Mortgage Loan and the Mortgagor
      was notified in writing of such reduction in Prepayment Penalty period. With
      respect to any Mortgage Loan that contains a provision permitting imposition
      of
      a penalty upon a prepayment prior to maturity: (i) the Mortgage Loan provides
      some benefit to the Mortgagor (e.g., a rate or fee reduction) in exchange for
      accepting such Prepayment Penalty, (ii) the Mortgage Loan’s originator had a
      policy of offering the Mortgagor or requiring third-party brokers to offer
      the
      Mortgagor, the option of obtaining a mortgage loan that did not require payment
      of such a penalty and (iii) the Prepayment Penalty was adequately disclosed
      to
      the Mortgagor in the mortgage loan documents pursuant to applicable state,
      local
      and federal law. This
      representation and warranty is a Deemed Material Breach
      Representation;

     

    (xx)  Predatory
      Lending Regulations.
      No
      Mortgage Loan is a High Cost Loan or Covered Loan, as applicable, and no
      Mortgage Loan originated on or after October 1, 2002 through March 6, 2003
      is
      governed by the Georgia Fair Lending Act. No Mortgage Loan is covered by the
      Home Ownership and Equity Protection Act of 1994 and no Mortgage Loan is in
      violation of any comparable state or local law. The Mortgaged Property is not
      located in a jurisdiction where a breach of this representation with respect
      to
      the related Mortgage Loan may result in additional assignee liability to the
      Purchaser, as determined by Purchaser in its reasonable discretion. No predatory
      or deceptive lending practices, including, without limitation, the extension
      of
      credit without regard to the ability of the Mortgagor to repay and the extension
      of credit which has no apparent benefit to the Mortgagor, were employed in
      the
      origination of the Mortgage Loan. This representation and warranty is a Deemed
      Material Breach Representation; 

     

    (yy)  Single-premium
      Credit Life Insurance Policy.
      In
      connection with the origination of any Mortgage Loan, no proceeds from any
      Mortgage Loan were used to finance or acquire a single-premium credit life
      insurance policy. No Mortgagor was required to purchase any single-premium
      credit
      insurance
      policy (e.g., life,
      disability, accident,
      unemployment,
      or
      property insurance product)
      or debt
      cancellation agreement
      as a
      condition of obtaining the extension of credit. No Mortgagor obtained a prepaid
      single-premium
      credit insurance
      policy (e.g., life,
      disability, accident,
      unemployment, or
      property insurance
      policy)
      in
      connection with the origination of the
      Mortgage
      Loan; no proceeds from any Mortgage Loan were used to purchase single-premium
      credit insurance policies or debt cancellation agreements as part of the
      origination of, or as a condition to closing, such
      Mortgage
      Loan. This representation and warranty is a Deemed Material Breach
      Representation;

     

    (zz)  Tax
      Service Contract; Flood Certification Contract.
      Each
      Mortgage Loan is covered by a paid in full, life of loan, tax service contract
      and a paid in full, life of loan, flood certification contract and each of
      these
      contracts is assignable to the Purchaser;

     

    (aaa)  Qualified
      Mortgage.
      The
      Mortgage Loan is a “qualified mortgage” within the meaning of Section 860G(a)(3)
      of the Code;

     

    (bbb)  Regarding
      the Mortgagor.
      The
      Mortgagor is one or more natural persons and/or trustees for an Illinois land
      trust or a trustee under a “living trust” and such “living trust” is in
      compliance with Fannie Mae guidelines for such trusts;

     

    (ccc)  Recordation.
      Each
      original Mortgage was recorded and, except for those Mortgage Loans subject
      to
      the MERS identification system, all subsequent assignments of the original
      Mortgage (other than the assignment to the Purchaser) have been recorded in
      the
      appropriate jurisdictions wherein such recordation is necessary to perfect
      the
      lien thereof as against creditors of the Seller, or is in the process of being
      recorded;

     

    (ddd)  FICO
      Scores.
      Each
      Mortgagor has a non-zero FICO score. No Mortgage Loan has a Mortgagor with
      a
      FICO score of less than 500; 

     

    (eee)  Compliance
      with Anti-Money Laundering Laws.
      The
      Seller has complied with all applicable anti-money laundering laws and
      regulations, including without limitation the USA PATRIOT
      Act of
      2001 (collectively, the “Anti-Money
      Laundering Laws”);
      the
      Seller has established an anti-money laundering compliance program as required
      by the Anti-Money Laundering Laws, has conducted the requisite due diligence
      in
      connection with the origination of each Mortgage Loan for purposes of the
      Anti-Money Laundering Laws, including with respect to the legitimacy of the
      applicable Mortgagor and the origin of the assets used by the said Mortgagor
      to
      purchase the property in question, and maintains, and will maintain, sufficient
      information to identify the applicable Mortgagor for purposes of the Anti-Money
      Laundering Laws;

     

    (fff)  Litigation.
      The
      Mortgage Loan is not subject to any outstanding litigation for fraud,
      origination, predatory lending, servicing or closing practices.

     

    (ggg)  MERS
      Designations.
      With
      respect to each MERS Designated Mortgage Loan, the Seller has designated the
      Custodian as the Investor and no Person is listed as Interim Funder on the
      MERS®
System;

     

    (hhh)  Reports.
      On or
      prior to the related Closing Date, the Seller has provided the Custodian and
      the
      Purchaser with a MERS Report listing the Custodian as the Investor with respect
      to each MERS Designated Mortgage Loan; and

     

    (iii)  Origination
      Practices.
      The
      Mortgagor was not encouraged or required to select a Mortgage Loan product
      offered by the Mortgage Loan’s originator which is a higher cost product
      designed for less creditworthy borrowers, unless at the time of the Mortgage
      Loan’s origination, such Mortgagor did not qualify taking into account such
      facts as, without limitation, the Mortgage Loan’s requirements and the
      Mortgagor’s credit history, income, assets and liabilities and debt-to-income
      ratios for a lower-cost credit product then offered by the Mortgage Loan’s
      originator or any affiliate of the Mortgage Loan’s originator. For a Mortgagor
      who seeks financing through a Mortgage Loan originator’s higher-priced subprime
      lending channel, the Mortgagor was directed towards or offered the Mortgage
      Loan
      originator’s standard mortgage line if the Mortgagor was able to qualify for one
      of the standard products. This representation and warranty is a Deemed Material
      Breach Representation;

     

    (jjj)  Underwriting
      Methodology.
      The
      methodology used in underwriting the extension of credit for each Mortgage
      Loan
      does not rely on the extent of the Mortgagor’s equity in the collateral as the
      principal determining factor in approving such extension of credit. The
      methodology employed objective criteria that related such facts as, without
      limitation, the Mortgagor’s credit history, income, assets or liabilities, to
      the proposed mortgage payment and, based on such methodology, the Mortgage
      Loan’s originator made a reasonable determination that at the time of
      origination the Mortgagor had the ability to make timely payments on the
      Mortgage Loan. Such underwriting methodology confirmed that at the time of
      origination (application/approval) the Mortgagor had a reasonable ability to
      make timely payments on the Mortgage Loan. This representation and warranty
      is a
      Deemed Material Breach Representation;

     

    (kkk)  Points
      and Fees.
      No
      Mortgagor was charged “points and fees” (whether or not financed) in an amount
      greater than (i) $1,000, or (ii) 5% of the principal amount of such Mortgage
      Loan (or such other amount as may be permitted by state law), whichever is
      greater. For purposes of this representation, such 5% limitation is calculated
      in accordance with Fannie Mae’s anti-predatory lending requirements as set forth
      in the Fannie Mae Guides and “points and fees” (x) include origination,
      underwriting, broker and finder fees and charges that the mortgagee imposed
      as a
      condition of making the Mortgage Loan, whether they are paid to the mortgagee
      or
      a third party, and (y) exclude bona fide discount points, fees paid for actual
      services rendered in connection with the origination of the Mortgage Loan (such
      as attorneys’ fees, notaries fees and fees paid for property appraisals, credit
      reports, surveys, title examinations and extracts, flood and tax certifications,
      and home inspections), the cost of mortgage insurance or credit-risk price
      adjustments, the costs of title, hazard, and flood insurance policies, state
      and
      local transfer taxes or fees, escrow deposits for the future payment of taxes
      and insurance premiums, and other miscellaneous fees and charges that, in total,
      do not exceed 0.25% of the principal amount of such Mortgage Loan. This
      representation and warranty is a Deemed Material Breach
      Representation;

     

    (lll)  Fees
      Charges.
      All
      fees and charges (including finance charges) and whether or not financed,
      assessed, collected or to be collected in connection with the origination and
      servicing of each Mortgage Loan has been disclosed in writing to the Mortgagor
      in accordance with applicable state and federal law and regulation. This
      representation and warranty is a Deemed Material Breach
      Representation;

     

    (mmm)  Arbitration.
      With
      respect to any Mortgage Loan originated on or after August 1, 2004, neither
      the
      related Mortgage nor the related Mortgage Note requires the Mortgagor to submit
      to arbitration to resolve any dispute arising out of or relating in any way
      to
      the Mortgage Loan transaction. This representation and warranty is a Deemed
      Material Breach Representation;

     

    (nnn)  Primary
      Mortgage Insurance.
      Each
      Mortgage Loan with an LTV at origination in excess of 80% will be subject to
      Primary Mortgage Insurance, issued by an insurer acceptable to Fannie Mae or
      Freddie Mac, in at least such amounts as are required by Freddie Mac or Fannie
      Mae. All provisions of such Primary Mortgage Insurance policy have been and
      are
      being complied with, such policy is in full force and effect, and all premiums
      due thereunder have been paid. Any Mortgage subject to any such Primary Mortgage
      Insurance policy obligates the Mortgagor thereunder to maintain such insurance
      and to pay all premiums and charges in connection therewith unless terminable
      in
      accordance with Freddie Mac standards or applicable law; and

     

    (ooo)  Second
      Lien Mortgage Loans.
      With
      respect to each Second Lien Mortgage Loan: (1) the related first lien Mortgage
      Loan does not permit negative amortization; (2) where required or customary
      in
      the jurisdiction in which the Mortgaged Property is located, the original lender
      has filed for record a request for notice of any action by the related senior
      lienholder, and the Seller has notified such second lienholder in writing of
      the
      existence of the Second Lien Mortgage Loan and requested notification of any
      action to be taken against the Mortgagor by such senior lienholder; either
      (a)
      no consent for the Second Lien Mortgage Loan is required by the holder of the
      related first lien Mortgage Loan or (b) such consent has been obtained and
      is
      contained in the related Mortgage File; (3) to the best of Seller’s knowledge,
      the related first lien Mortgage Loan is in full force and effect, and there
      is
      no default, lien, breach, violation or event which would permit acceleration
      existing under such first lien Mortgage Loan or Mortgage Note, and no event
      which, with the passage of time or with notice and the expiration of any grace
      or cure period, would constitute a default, breach, violation or event which
      would permit acceleration under such first lien Mortgage Loan; (4) the related
      first lien Mortgage contains a provision which provide for giving notice of
      default or breach to the mortgagee under the Mortgage Loan and allows such
      mortgagee to cure any default under the related first lien Mortgage; and (5)
      the
      related Mortgaged Property was the Mortgagor’s principal residence at the time
      of the origination of the such Second Lien Mortgage Loan. This representation
      and warranty is a Deemed Material Breach Representation.

     

    Subsection
      9.03  Remedies
      for Breach of Representations and Warranties.

     

    It
      is
      understood and agreed that the representations and warranties set forth in
      Subsections 9.01
      and
9.02
      shall
      survive the sale of the Mortgage Loans to the Purchaser and shall inure to
      the
      benefit of the Purchaser, its successors and assigns and the Successor Servicer,
      notwithstanding any restrictive or qualified endorsement on any Mortgage Note
      or
      Assignment of Mortgage or the examination or failure to examine any Mortgage
      File. Upon discovery by either the Seller or the Purchaser of a breach of any
      of
      the foregoing representations and warranties, the party discovering such breach
      shall give prompt written notice to the other.

     

    Within
      thirty (30) days of the earlier of either discovery by or notice to the Seller
      of any breach of a representation or warranty which materially and adversely
      affects the value of the Mortgage Loans or the interest of the Purchaser therein
      (or which materially and adversely affects the value of the applicable Mortgage
      Loan or the interest of the Purchaser therein in the case of a representation
      and warranty relating to a particular Mortgage Loan), the Seller shall use
      its
      best efforts promptly to cure such breach in all material respects and, if
      such
      breach cannot be cured, the Seller shall, at the Purchaser’s option, repurchase
      such Mortgage Loan at the Repurchase Price, together with all expenses incurred
      by the Purchaser as a result of such repurchase. Notwithstanding the above
      sentence, (i) within sixty (60) days of the earlier of either discovery by,
      or
      notice to, the Seller of any breach of the representation and warranty set
      forth
      in clause (aaa) of Subsection 9.02,
      the
      Seller shall repurchase such Mortgage Loan at the Repurchase Price, together
      with all expenses incurred by the Purchaser as a result of such repurchase
      and
      (ii) any breach of a Deemed Material Breach Representation shall automatically
      be deemed to materially and adversely affect the value of the Mortgage Loan
      and
      the interest of the Purchaser therein. In the event that a breach shall involve
      any representation or warranty set forth in Subsection 9.01,
      and
      such breach cannot be cured within thirty (30) days of the earlier of either
      discovery by or notice to the Seller of such breach, all of the Mortgage Loans
      shall, at the Purchaser’s option, be repurchased by the Seller at the Repurchase
      Price. However, if the breach shall involve a representation or warranty set
      forth in Subsection
      9.02
      (other
      than the representations and warranties set forth in clause  (aaa) of
      such Subsection or any Deemed Material Breach Representation) and the Seller
      discovers or receives notice of any such breach within 120 days of the related
      Closing Date, the Seller may, at the Purchaser’s option and provided that the
      Seller has a Qualified Substitute Mortgage Loan, rather than repurchase the
      Mortgage Loan as provided above, remove such Mortgage Loan (a “Deleted
      Mortgage Loan”)
      and
      substitute in its place a Qualified Substitute Mortgage Loan or Loans; provided
      that any such substitution shall be effected not later than 120 days after
      the
      related Closing Date. If the Seller has no Qualified Substitute Mortgage Loan,
      it shall repurchase the deficient Mortgage Loan. Any repurchase of a Mortgage
      Loan or Loans pursuant to the foregoing provisions of this Subsection
      9.03
      shall be
      accomplished by direct remittance of the Repurchase Price to the Purchaser
      or
      its designee in accordance with the Purchaser’s instructions. With respect to
      any repurchase under this Subsection 9.03, the repurchase request made by the
      Purchaser must contain reasonably sufficient information to enable the Seller
      to
      evaluate the request.

     

    At
      the
      time of repurchase or substitution, the Purchaser and the Seller shall arrange
      for the reassignment of the Deleted Mortgage Loan to the Seller and the delivery
      to the Seller of any documents held by the Custodian relating to the Deleted
      Mortgage Loan. In the event of a repurchase or substitution, the Seller shall,
      simultaneously with such reassignment, give written notice to the Purchaser
      that
      such repurchase or substitution has taken place, amend the related Mortgage
      Loan
      Schedule to reflect the withdrawal of the Deleted Mortgage Loan from this
      Agreement, and, in the case of substitution, identify a Qualified Substitute
      Mortgage Loan and amend the related Mortgage Loan Schedule to reflect the
      addition of such Qualified Substitute Mortgage Loan to this Agreement. In
      connection with any such substitution, the Seller shall be deemed to have made
      as to such Qualified Substitute Mortgage Loan the representations and warranties
      set forth in this Agreement except that all such representations and warranties
      set forth in this Agreement shall be deemed made as of the date of such
      substitution. The Seller shall effect such substitution by delivering to the
      Custodian or to such other party as the Purchaser may designate in writing
      for
      such Qualified Substitute Mortgage Loan the documents required by Subsection 6.03,
      with
      the Mortgage Note endorsed as required by Subsection 6.03.
      No
      substitution will be made in any calendar month after the Determination Date
      for
      such month. The Seller shall remit directly to the Purchaser, or its designee
      in
      accordance with the Purchaser’s instructions the Monthly Payment on such
      Qualified Substitute Mortgage Loan or Loans in the month following the date
      of
      such substitution. Monthly Payments due with respect to Qualified Substitute
      Mortgage Loans in the month of substitution shall be retained by the Seller.
      For
      the month of substitution, distributions to the Purchaser shall include the
      Monthly Payment due on any Deleted Mortgage Loan in the month of substitution,
      and the Seller shall thereafter be entitled to retain all amounts subsequently
      received by the Seller in respect of such Deleted Mortgage Loan.

     

    For
      any
      month in which the Seller substitutes a Qualified Substitute Mortgage Loan
      for a
      Deleted Mortgage Loan, the Seller shall determine the amount (if any) by which
      the aggregate principal balance of all Qualified Substitute Mortgage Loans
      as of
      the date of substitution is less than the aggregate Stated Principal Balance
      of
      all Deleted Mortgage Loans (after application of scheduled principal payments
      due in the month of substitution). The amount of such shortfall shall be
      distributed by the Seller directly to the Purchaser or its designee in
      accordance with the Purchaser’s instructions within two (2) Business Days of
      such substitution. Accordingly, on the date of such substitution, the Seller
      will remit to the Servicer from its own funds for deposit into the Custodial
      Account an amount equal to the amount of such shortfall plus one month’s
      interest thereon at the Mortgage Loan remittance rate. 

     

    In
      addition to such repurchase or substitution obligation, the Seller shall
      indemnify the Purchaser, its successors and assigns and the Successor Servicer
      and hold them harmless against any losses, damages, penalties, fines,
      forfeitures, reasonable and necessary legal fees and related costs, judgments,
      and other costs and expenses resulting from any claim, demand, defense or
      assertion based on or grounded upon, or resulting from, a breach of the Seller
      representations and warranties contained in this Agreement or any Reconstitution
      Agreement. It is understood and agreed that the obligations of the Seller set
      forth in this Subsection
      9.03
      to cure,
      substitute for or repurchase a defective Mortgage Loan and to indemnify the
      Purchaser, its successors and assigns and the Successor Servicer as provided
      in
      this Subsection
      9.03
      constitute the sole remedies respecting a breach of the foregoing
      representations and warranties. For purposes of this paragraph, “Purchaser”
shall mean the Person then acting as the Purchaser under this Agreement and
      any
      and all Persons who previously were “Purchasers” under this Agreement and
“Successor Servicer” shall mean the Person then acting as the Successor Servicer
      under this Agreement and any and all Persons who previously were “Successor
      Servicers” under this Agreement.

     

    Any
      cause
      of action against the Seller relating to or arising out of the breach of any
      representations and warranties made in Subsections
      9.01
      and
9.02
      shall
      accrue as to any Mortgage Loan upon (i) discovery of such breach by the
      Purchaser or notice thereof by the Seller to the Purchaser, (ii) failure by
      the Seller to cure such breach or repurchase such Mortgage Loan as specified
      above, and (iii) demand upon the Seller by the Purchaser for compliance
      with this Agreement.

     

    Subsection
      9.04  [Reserved].

     

    Subsection
      9.05  Purchaser’s
      Right to Review.

     

    Prior
      to
      the related Closing Date, the Purchaser shall have the right to perform on-site
      due diligence at the premises of the Seller with respect to the Mortgage Loans.
      The Seller will provide information and otherwise cooperate with the due
      diligence reviews of the Purchaser, its co-investor’s, its financial partner’s,
      and the rating agencies. The Seller shall make the legal files and the credit
      files, together with any payment histories, collection histories, bankruptcy
      histories, broker’s price opinions, to the extent available, and any other
      information with respect to the Mortgage Loans requested by the Purchaser,
      available at the Seller’s offices for review by Purchaser or its agents during
      normal business hours before the related Closing Date. The Purchaser shall
      have
      the right to order additional broker’s price opinions in its sole discretion at
      the Purchaser’s expense.

     

    The
      Purchaser shall have the right to reject any Mortgage Loan (a) for which
      the documentation listed in Subsection 6.03 is missing or defective in whole
      or
      in part, (b) for which the related broker’s price opinion is below the
      appraisal provided in connection with the origination of the related Mortgage
      Loan, (c) for which the loan-to-value ratio calculated based upon the
      broker’s price opinion is greater than 100%, (d) which does not conform to
      the Seller’s underwriting guidelines, (e) which does not conform to the
      terms of the related Purchase Price and Terms Letter or is in breach of the
      representations and warranties set forth in this Purchase Agreement,
      (f) that is not securitizable in the reasonable opinion of the Purchaser,
      or (g) which does not conform to the terms of any applicable federal,
      state, or local law or regulation. The Purchaser shall use its best efforts
      to
      notify the Seller of any such rejected Mortgage Loan immediately upon
      discovery.

     

    The
      fact
      that the Purchaser has conducted or failed to conduct any partial or complete
      examination of the files shall not affect the Purchaser’s (or any of its
      successor’s) rights to demand repurchase or other relief for breach of Mortgage
      Loan representations and warranties, missing or defective documents or as
      otherwise provided in this Agreement.

     

    SECTION
      10.  Closing.

     

    The
      closing for the purchase and sale of the Mortgage Loans in each Mortgage Loan
      Package shall take place on the related Closing Date. At the Purchaser’s option,
      the Closing shall be either: by telephone, confirmed by letter or wire as the
      parties shall agree, or conducted in person, at such place as the parties shall
      agree.

     

    The
      closing for the Mortgage Loans to be purchased on each Closing Date shall be
      subject to each of the following conditions:

     

    (A)  at
      least
      two (2) Business Days prior to the related Closing Date or such later date
      on
      which the Purchaser has identified to the Seller the final list of Mortgage
      Loans the Purchaser desires to purchase, the Seller shall deliver to the
      Purchaser via electronic medium a Mortgage Loan Schedule acceptable to the
      Purchaser;

     

    (B)  all
      of
      the representations and warranties of the Seller under this Agreement shall
      be
      true and correct as of the related Closing Date and no event shall have occurred
      which, with notice or the passage of time, would constitute a default under
      this
      Agreement;

     

    (C)  the
      Purchaser shall have received, or the Purchaser’s attorneys shall have received
      in escrow, all Closing Documents as specified in Section 11
      of this
      Agreement, in such forms as are agreed upon and reasonably acceptable to the
      Purchaser, duly executed by all signatories other than the Purchaser as required
      pursuant to the terms hereof;

     

    (D)  the
      Seller shall have delivered and released to the Custodian all documents required
      hereunder; and

     

    (E)  all
      other
      terms and conditions of this Agreement and the related Purchase Price and Terms
      Agreement shall have been complied with.

     

    Subject
      to the foregoing conditions, the Purchaser shall pay to the Seller on the
      related Closing Date the Purchase Price, plus accrued interest pursuant to
      Section 4
      of this
      Agreement, by wire transfer of immediately available funds to the account(s)
      designated by the Seller.

     

    SECTION
      11.  Closing
      Documents.

     

    (a)  The
      Closing Documents for the Mortgage Loans to be purchased on the initial Closing
      Date shall consist of fully executed originals of the following
      documents:

     

    1.  this
      Agreement;

     

    2.  the
      Interim Servicing Agreement, any account certifications and all other documents
      required thereunder;

     

    3.  an
      Officer’s Certificate, in the form of Exhibit C
      hereto
      with respect to the Seller, including all attachments thereto;

     

    4.  an
      Opinion of Counsel of the Seller (who may be an employee of the Seller), in
      the
      form of Exhibit D
      hereto
      (“Opinion
      of Counsel of the Seller”);

     

    5.  a
      Security Release Certification, substantially in the form of Exhibit E
      or
F,
      as
      applicable, hereto executed by any person, as requested by the Purchaser, if
      any
      of the Mortgage Loans have at any time been subject to any security interest,
      pledge or hypothecation for the benefit of such person;

     

    6.  the
      Underwriting Guidelines to be attached hereto as Exhibit
      J;

     

    7.  a
      certificate or other evidence of merger or change of name, signed or stamped
      by
      the applicable regulatory authority, if any of the Mortgage Loans were acquired
      by the Seller by merger or acquired or originated by the Seller while conducting
      business under a name other than its present name, if applicable.

     

    (b)  The
      Closing Documents to be delivered on each Closing Date shall consist of fully
      executed originals of the following documents:

     

    1.  an
      Assignment and Conveyance in the form of Exhibit
      M
      hereto,
      including all exhibits;

     

    2.  a
      Purchase Price and Terms Agreement;

     

    3.  the
      related Mortgage Loan Schedule, with one copy to be attached to the related
      Assignment and Conveyance;

     

    4.  each
      of
      the documents required to be delivered by the Seller pursuant to Subsection
      6.03
      hereof;

     

    5.  the
      initial certification of the Custodian with respect to the related Mortgage
      Loan
      Package;

     

    6.  a
      Security Release Certification, substantially in the form of Exhibit
      E
      or
F,
      as
      applicable, hereto executed by any person, as requested by the Purchaser, if
      any
      of the Mortgage Loans have at any time been subject to any security interest,
      pledge or hypothecation for the benefit of such person; 

     

    7.  a
      certificate or other evidence of merger or change of name, signed or stamped
      by
      the applicable regulatory authority, if any of the Mortgage Loans were acquired
      by the Seller by merger or acquired or originated by the Seller while conducting
      business under a name other than its present name, if applicable;
      and

     

    8.  if
      requested by the Purchaser in connection with a material change in Seller’s
      financial condition or corporate structure, an updated Officer’s Certificate, in
      the form of Exhibit
      C
      hereto,
      including all attachments thereto and an updated Opinion of Counsel of the
      Seller, in the form of Exhibit
      D
      hereto.

     

    The
      Seller shall bear the risk of loss of the closing documents until such time
      as
      they are received by the Purchaser or its attorneys.

     

    SECTION
      12.  Costs.

     

    The
      Purchaser shall pay its due diligence fees and the fees and expenses of its
      counsel. All servicing fees incurred prior to the related Closing Date, and
      all
      costs and expenses incurred in connection with the transfer of the Mortgage
      Loans, fees to transfer files and prepare assignments/endorsements, all initial
      recording fees, if any, for the assignments of mortgage for all Mortgage Loans
      not recorded in the name of MERS, all fees, if any, for transferring record
      ownership on the MERS® System of Mortgage Loans recorded in the name of MERS,
      custodial fees, including the costs associated with clearing exceptions,
      (including costs to record intervening assignments and any existing assumption
      and modification agreements), together with the fees and expenses of Seller’s
      counsel, shall be payable by the Seller.

     

    SECTION
      13.  Cooperation
      of Seller with a Reconstitution.

     

    The
      Seller and the Purchaser agree that with respect to some or all of the Mortgage
      Loans, after the related Closing Date, on one or more dates (each a
“Reconstitution
      Date”)
      at the
      Purchaser’s sole option, the Purchaser may effect a sale (each a “Reconstitution”)
      of
      some or all of the Mortgage Loans then subject to this Agreement, without
      recourse, to:

     

    (i)  Fannie
      Mae under its Cash Purchase Program or MBS Program (Special Servicing Option)
      (each a “Fannie
      Mae Transfer”);
      or

     

    (ii)  Freddie
      Mac (the “Freddie
      Mac Transfer”);
      or

     

    (iii)  one
      or
      more third party purchasers in one or more Whole Loan Transfers; or

     

    (iv)  one
      or
      more trusts or other entities to be formed as part of one or more Securitization
      Transactions.

     

    The
      Seller agrees to execute in connection with any Agency Transfer, any and all
      pool purchase contracts, and/or agreements reasonably acceptable to the Seller
      among the Purchaser, the Seller, Fannie Mae or Freddie Mac (as the case may
      be)
      and any servicer in connection with a Whole Loan Transfer, a seller’s warranties
      and servicing agreement or a participation and servicing agreement in form
      and
      substance reasonably acceptable to the Seller, and in connection with a
      Securitization Transaction, a pooling and servicing agreement in form and
      substance reasonably acceptable to the Seller (collectively the agreements
      referred to herein are designated, the “Reconstitution
      Agreements”).

     

    With
      respect to the first three (3) Whole Loan Transfers or Securitization
      Transactions entered into by the Purchaser with respect to each Mortgage Loan
      Package, the Seller agrees (1) to cooperate fully with the Purchaser and
      any prospective purchaser with respect to all reasonable requests and due
      diligence procedures; (2) to execute, deliver and perform all
      Reconstitution Agreements reasonably required by the Purchaser; and deliver
      an
      opinion of counsel in form and substance satisfactory to the Purchaser if
      requested by the Purchaser; (3) (a) to restate the representations and
      warranties set forth in this Agreement (i) with respect to Non-Servicing
      Related Representations and Warranties, as of the related
      Closing Date
      and
      (ii) with respect to Servicing-Related Representations and Warranties, as
      of the related Transfer Date, or (b) make any representations and
      warranties as may be required by any Rating Agency or prospective purchaser
      of
      the related securities or such Mortgage Loans in connection with such
      Reconstitution to the extent standard in the industry at such time. The Seller
      shall use its reasonable best efforts to provide to such master servicer or
      issuer, as the case may be, and any other participants in such Reconstitution:
      (i) any and all information and appropriate verification of information
      which may be reasonably available to the Seller or its affiliates, whether
      through letters of its auditors and counsel or otherwise, as the Purchaser
      or
      any such other participant shall request; (ii) such additional
      representations, warranties, covenants, opinions of counsel, letters from
      auditors, and certificates of public officials or officers of the Seller as
      are
      reasonably believed necessary by the Purchaser or any such other participant;
      and (iii) to execute, deliver and satisfy all conditions set forth in an
      indemnity agreement substantially in the form of Exhibit
      N
      hereto.
      The Seller shall indemnify the Purchaser, each Affiliate designated by the
      Purchaser, each Person who controls the Purchaser or such Affiliate and the
      Successor Servicer and hold each of them harmless from and against any losses,
      damages, penalties, fines, forfeitures, reasonable and necessary legal fees
      and
      related costs, judgments, and any other costs, fees and expenses that each
      of
      them may sustain in any way related to any information that contains an untrue
      statement of material fact or omits to state a material fact required to be
      stated therein or necessary to make the information and statements therein
      not
      misleading provided by or on behalf of the Seller regarding the Seller (or
      if
      the Seller is not the originator, the originator of the Mortgage Loans), the
      Seller’s servicing practices or performance, the Mortgage Loans or the
      Underwriting Guidelines set forth in any offering document prepared in
      connection with any Reconstitution; provided
      that
      Purchaser requests such information from Seller. For purposes of the previous
      sentence, “Purchaser” shall mean the Person then acting as the Purchaser under
      this Agreement and any and all Persons who previously were “Purchasers” under
      this Agreement and “Successor Servicer” shall mean the Person then acting as the
      Successor Servicer under this Agreement and any and all Persons who previously
      were “Successor Servicers” under this Agreement. Moreover, the Seller agrees to
      cooperate with all reasonable requests made by the Purchaser to effect such
      Reconstitution Agreements.

     

    In
      the
      event the Purchaser has elected to have the Seller hold record title to the
      Mortgages, prior to the Reconstitution Date, the Seller shall prepare an
      assignment of mortgage in blank or to the prospective purchaser or trustee,
      as
      applicable, from the Seller acceptable to the prospective purchaser or trustee,
      as applicable, for each Mortgage Loan that is part of the Reconstitution and
      shall pay all preparation and recording costs associated therewith. In
      connection with the Reconstitution, the Seller shall execute each assignment
      of
      mortgage, track such Assignments of Mortgage to ensure they have been recorded
      and deliver them as required by the prospective purchaser or trustee, as
      applicable, upon the Seller’s receipt thereof. Additionally, the Seller shall
      prepare and execute, at the direction of the Purchaser, any note endorsement
      in
      connection with any and all seller/servicer agreements.

     

    All
      Mortgage Loans not sold or transferred pursuant to a Reconstitution shall remain
      subject to this Agreement and with respect thereto this Agreement shall remain
      in full force and effect.

     

    SECTION
      14.  The
      Seller.

     

    Subsection
      14.01  Additional
      Indemnification by the Seller; Third Party Claims.

     

    The
      Seller shall indemnify the Purchaser and hold it harmless against any and all
      claims, losses, damages, penalties, fines, forfeitures, legal fees (including
      (without limitation) legal fees incurred in connection with the enforcement
      of
      the Seller’s indemnification obligation under this Subsection 14.01) and related
      costs, judgments, and any other costs, fees and expenses that the Purchaser
      or
      the Successor Servicer may sustain in any way related to (a) any breach of
      any of Seller’s representations, warranties or covenants set forth in this
      Agreement, (b) the failure of the Seller to perform its duties under this
      Agreement or (c) the failure of the Seller to service the Mortgage Loans in
      strict compliance with the terms of the Interim Servicing Agreement or any
      Reconstitution Agreement entered into pursuant to Section 13.
      The
      Seller immediately shall notify the Purchaser if a claim is made by a third
      party with respect to this Agreement or any Reconstitution Agreement or the
      Mortgage Loans, assume (with the prior written consent of the Purchaser) the
      defense of any such claim and pay all expenses in connection therewith,
      including counsel fees, and promptly pay, discharge and satisfy any judgment
      or
      decree which may be entered against it or the Purchaser in respect of such
      claim. The Purchaser promptly shall reimburse the Seller for all amounts
      advanced by it pursuant to the preceding sentence, except when the claim is
      in
      any way related to (a) a breach of any of Seller’s representations,
      warranties or covenants set forth in this Agreement, (b) the failure of the
      Seller to materially perform its duties under this Agreement or (c) the
      failure of the Seller to service the Mortgage Loans in compliance with the
      terms
      of the Interim Servicing Agreement or any Reconstitution Agreement entered
      into
      pursuant to Section 13.

     

    Subsection
      14.02  Merger
      or Consolidation of the Seller.

     

    The
      Seller will keep in full effect its existence, rights and franchises as a
      corporation under the laws of the state of its formation except as permitted
      herein, and will obtain and preserve its qualification to do business as a
      foreign corporation in each jurisdiction in which such qualification is or
      shall
      be necessary to protect the validity and enforceability of this Agreement,
      or
      any of the Mortgage Loans and to perform its duties under this
      Agreement.

     

    Any
      Person into which the Seller may be merged or consolidated, or any entity
      resulting from any merger, conversion or consolidation to which the Seller
      shall
      be a party, or any Person succeeding to the business of the Seller, shall be
      the
      successor of the Seller hereunder, without the execution or filing of any paper
      or any further act on the part of any of the parties hereto, anything herein
      to
      the contrary notwithstanding; provided, however, that the successor or surviving
      Person shall have a net worth of at least $17,500,000.

     

    SECTION
      15.  Financial
      Statements.

     

    The
      Seller understands that in connection with the Purchaser’s marketing of the
      Mortgage Loans, the Purchaser shall make available to prospective purchasers
      audited financial statements of the Seller for the most recently completed
      three
      fiscal years respecting which such statements are available, as well as a
      Consolidated Statement of Condition of the Seller at the end of the last two
      fiscal years covered by such Consolidated Statement of Operations. The Seller
      shall also make available any comparable interim statements to the extent any
      such statements have been prepared by the Seller (and are available upon request
      to members or stockholders of the Seller or the public at large). The Seller,
      if
      it has not already done so, agrees to furnish promptly to the Purchaser copies
      of the statements specified above. The Seller shall also make available
      information on its servicing performance with respect to loans serviced for
      others, including delinquency ratios.

     

    The
      Seller also agrees to allow reasonable access to a knowledgeable financial
      or
      accounting officer for the purpose of answering questions asked by any
      prospective purchaser regarding recent developments affecting the Seller or
      the
      financial statements of the Seller.

     

    SECTION
      16.  Mandatory
      Delivery; Grant of Security Interest.

     

    The
      sale
      and delivery on the related Closing Date of the Mortgage Loans is mandatory
      from
      and after the date of the execution of the related Purchase Price and Terms
      Agreement, it being specifically understood and agreed that each Mortgage Loan
      is unique and identifiable on the date hereof and that an award of money damages
      would be insufficient to compensate the Purchaser for the losses and damages
      incurred by the Purchaser (including damages to prospective purchasers of the
      Mortgage Loans) in the event of the Seller’s failure to deliver (i) each of
      the related Mortgage Loans or (ii) one or more Qualified Substitute
      Mortgage Loans or (iii) one or more Mortgage Loans otherwise acceptable to
      the Purchaser on or before the related Closing Date. The Seller hereby grants
      to
      the Purchaser a lien on and a continuing security interest in each Mortgage
      Loan
      and each document and instrument evidencing each such Mortgage Loan to secure
      the performance by the Seller of its obligations under the related Purchase
      Price and Terms Agreement, and the Seller agrees that it shall hold such
      Mortgage Loans in custody for the Purchaser subject to the Purchaser’s
      (i) right to reject any Mortgage Loan (or Qualified Substitute Mortgage
      Loan) under the terms of this Agreement and to require another Mortgage Loan
      (or
      Qualified Substitute Mortgage Loan) to be substituted therefor, and
      (ii) obligation to pay the Purchase Price for the Mortgage Loans. All
      rights and remedies of the Purchaser under this Agreement are distinct from,
      and
      cumulative with, any other rights or remedies under this Agreement or afforded
      by law or equity and all such rights and remedies may be exercised concurrently,
      independently or successively.

     

    SECTION
      17.  Notices.

     

    All
      demands, notices and communications hereunder shall be in writing and shall
      be
      deemed to have been duly given if mailed, by registered or certified mail,
      return receipt requested, or, if by other means, when received by the other
      party at the address as follows:

     

    
      	 	
              (i)

            	
              if
                to the Seller:

              
                Impac
                  Funding Corporation

                1401
                  Dove Street

                Newport
                  Beach, California 92660

                Attention:
                  Ronald Morrison

                Fax:
                  (949) 706-6208

              

            

    

     

     

    
      	 	
              (ii)

            	
              if
                to the Purchaser:

              
                Goldman
                  Sachs Mortgage Company

                100
                  2nd Ave. South, Suite 200N 

                St.
                  Petersburg, Florida 33701

                Attention:
                  Christina Liepold

              

            

    

     

    or
      such
      other address as may hereafter be furnished to the other party by like notice.
      Any such demand, notice or communication hereunder shall be deemed to have
      been
      received on the date delivered to or received at the premises of the addressee
      (as evidenced, in the case of registered or certified mail, by the date noted
      on
      the return receipt).

     

    SECTION
      18.  Severability
      Clause.

     

    Any
      part,
      provision, representation or warranty of this Agreement which is prohibited
      or
      unenforceable or is held to be void or unenforceable in any jurisdiction shall
      be ineffective, as to such jurisdiction, to the extent of such prohibition
      or
      unenforceability without invalidating the remaining provisions hereof, and
      any
      such prohibition or unenforceability in any jurisdiction as to any Mortgage
      Loan
      shall not invalidate or render unenforceable such provision in any other
      jurisdiction. To the extent permitted by applicable law, the parties hereto
      waive any provision of law which prohibits or renders void or unenforceable
      any
      provision hereof. If the invalidity of any part, provision, representation
      or
      warranty of this Agreement shall deprive any party of the economic benefit
      intended to be conferred by this Agreement, the parties shall negotiate, in
      good-faith, to develop a structure the economic effect of which is nearly as
      possible the same as the economic effect of this Agreement without regard to
      such invalidity.

     

    SECTION
      19.  Counterparts.

     

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

     

    SECTION
      20.  Governing
      Law.

     

    This
      Agreement shall be deemed in effect when a fully executed counterpart thereof
      is
      received by the Purchaser in the State of New York and shall be deemed to have
      been made in the State of New York. The Agreement shall be construed in
      accordance with the laws of the State of New York and the obligations, rights
      and remedies of the parties hereunder shall be determined in accordance with
      the
      substantive laws of the State of New York (without regard to conflicts of laws
      principles), except to the extent preempted by federal law.

     

    SECTION
      21.  Intention
      of the Parties.

     

    It
      is the
      intention of the parties that the Purchaser is purchasing, and the Seller is
      selling the Mortgage Loans and not a debt instrument of the Seller or another
      security. 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 Mortgage Loans. Moreover, the arrangement under which the
      Mortgage Loans are held shall be consistent with classification of such
      arrangement as a grantor trust in the event it is not found to represent direct
      ownership of the Mortgage Loans. The Purchaser shall have the right to review
      the Mortgage Loans and the related Mortgage Loan Files to determine the
      characteristics of the Mortgage Loans which shall affect the Federal income
      tax
      consequences of owning the Mortgage Loans and the Seller shall cooperate with
      all reasonable requests made by the Purchaser in the course of such
      review.

     

    SECTION
      22.  Successors
      and Assigns; Assignment of Purchase Agreement.

     

    This
      Agreement shall bind and inure to the benefit of and be enforceable by the
      Seller and the Purchaser and the respective permitted successors and assigns
      of
      the Seller and the successors and assigns of the Purchaser. This Agreement
      shall
      not be assigned, pledged or hypothecated by the Seller to a third party without
      the prior written consent of the Purchaser, which consent may be withheld by
      the
      Purchaser in its sole discretion. This Agreement may be assigned, pledged or
      hypothecated by the Purchaser in whole or in part, and with respect to one
      or
      more of the Mortgage Loans, without the consent of the Seller. If the Purchaser
      assigns any or all of its rights as Purchaser hereunder, the assignee of the
      Purchaser will become the “Purchaser”
      hereunder to the extent of such assignment. Any such assignment by the Purchaser
      shall be accompanied by the delivery and execution of an Assignment and
      Assumption Agreement (the “Assignment
      and Assumption Agreement”)
      in the
      form attached hereto as Exhibit
      G.

     

    SECTION
      23.  Waivers.

     

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

     

    SECTION
      24.  Exhibits.

     

    The
      exhibits to this Agreement are hereby incorporated and made a part hereof and
      are an integral part of this Agreement.

     

    SECTION
      25.  General
      Interpretive Principles.

     

    For
      purposes of this Agreement, except as otherwise expressly provided or unless
      the
      context otherwise requires:

     

    (a)  the
      terms
      defined in this Agreement have the meanings assigned to them in this Agreement
      and include the plural as well as the singular, and the use of any gender herein
      shall be deemed to include the other gender;

     

    (b)  accounting
      terms not otherwise defined herein have the meanings assigned to them in
      accordance with generally accepted accounting principles;

     

    (c)  references
      herein to “Articles,” “Sections,” “Subsections,” “Paragraphs,” and other
      subdivisions without reference to a document are to designated Articles,
      Sections, Subsections, Paragraphs and other subdivisions of this
      Agreement;

     

    (d)  reference
      to a Subsection without further reference to a Section is a reference to such
      Subsection as contained in the same Section in which the reference appears,
      and
      this rule shall also apply to Paragraphs and other subdivisions;

     

    (e)  the
      words
“herein,” “hereof,” “hereunder” and other words of similar import refer to this
      Agreement as a whole and not to any particular provision; and

     

    (f)  the
      term
“include” or “including” shall mean without limitation by reason of
      enumeration.

     

    SECTION
      26.  Reproduction
      of Documents.

     

    This
      Agreement and all documents relating thereto, including, without limitation,
      (a) consents, waivers and modifications which may hereafter be executed,
      (b) documents received by any party at the closing, and (c) financial
      statements, certificates and other information previously or hereafter
      furnished, may be reproduced by any photographic, photostatic, microfilm,
      micro-card, miniature photographic or other similar process. The parties agree
      that any such reproduction shall be admissible in evidence as the original
      itself in any judicial or administrative proceeding, whether or not the original
      is in existence and whether or not such reproduction was made by a party in
      the
      regular course of business, and that any enlargement, facsimile or further
      reproduction of such reproduction shall likewise be admissible in
      evidence.

     

    SECTION
      27.  Further
      Agreements.

     

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

     

    SECTION
      28.  Recordation
      of Assignments of Mortgage.

     

    To
      the
      extent permitted by applicable law, for Mortgage Loans which are not registered
      with MERS, each of the Assignments of Mortgage is subject to recordation in
      all
      appropriate public offices for real property records in all the counties or
      their comparable jurisdictions in which any or all of the Mortgaged Properties
      are situated, and in any other appropriate public recording office or elsewhere,
      such recordation to be effected at the Seller’s expense in the event recordation
      is either necessary under applicable law or requested by the Purchaser (which
      request may be made by the Purchaser at any time following the related Closing
      Date) at its sole option.

     

    SECTION
      29.  No
      Solicitation.

     

    From
      and
      after the related Closing Date, the Seller agrees that it will not take any
      action or permit or cause any action to be taken by any of its agents or
      affiliates, or by any independent contractors on the Seller’s behalf, to
      personally, by telephone or mail, solicit the Mortgagor under any Mortgage
      Loan
      for any purpose whatsoever, including to refinance a Mortgage Loan, in whole
      or
      in part, without the prior written consent of the Purchaser. It is understood
      and agreed that all rights and benefits relating to the solicitation of any
      Mortgagors and the attendant rights, title and interest in and to the list
      of
      such Mortgagors and data relating to their Mortgages (including insurance
      renewal dates) shall be transferred to the Purchaser pursuant hereto on the
      related Closing Date and the Seller shall take no action to undermine these
      rights and benefits. Notwithstanding the foregoing, it is understood and agreed
      that promotions undertaken by the Seller or any affiliate of the Seller which
      are directed to the general public at large, including, without limitation,
      mass
      mailing, internet and e-mail solicitations, based in all instances, on
      commercially acquired mailing lists (which may not be targeted at the
      Mortgagors) and newspaper, radio and television advertisements shall not
      constitute solicitation under this Section
      29.

     

    SECTION
      30.  Waiver
      of Trial by Jury.

     

    THE
      SELLER AND THE PURCHASER EACH KNOWINGLY, VOLUNTARILY AND INTENTIONALLY WAIVES
      TO
      THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW ANY RIGHT IT MAY HAVE TO A TRIAL
      BY JURY OF ANY DISPUTE ARISING UNDER OR RELATING TO THIS AGREEMENT OR THE
      TRANSACTIONS CONTEMPLATED HEREBY.

     

    SECTION
      31.  Submission
      to Jurisdiction; Waivers.

     

    The
      Seller hereby irrevocably and unconditionally:

     

    (A)  SUBMITS
      FOR ITSELF AND ITS PROPERTY IN ANY LEGAL ACTION OR PROCEEDING RELATING TO THIS
      AGREEMENT, OR FOR RECOGNITION AND ENFORCEMENT OF ANY JUDGMENT IN RESPECT
      THEREOF, TO THE NON-EXCLUSIVE GENERAL JURISDICTION OF THE COURTS OF THE STATE
      OF
      NEW YORK, THE FEDERAL COURTS OF THE UNITED STATES OF AMERICA FOR THE SOUTHERN
      DISTRICT OF NEW YORK, AND APPELLATE COURTS FROM ANY THEREOF;

     

    (B)  CONSENTS
      THAT ANY SUCH ACTION OR PROCEEDING MAY BE BROUGHT IN SUCH COURTS AND, TO THE
      EXTENT PERMITTED BY LAW, WAIVES ANY OBJECTION THAT IT MAY NOW OR HEREAFTER
      HAVE
      TO THE VENUE OF ANY SUCH ACTION OR PROCEEDING IN ANY SUCH COURT OR THAT SUCH
      ACTION OR PROCEEDING WAS BROUGHT IN AN INCONVENIENT COURT AND AGREES NOT TO
      PLEAD OR CLAIM THE SAME;

     

    (C)  AGREES
      THAT SERVICE OF PROCESS IN ANY SUCH ACTION OR PROCEEDING MAY BE EFFECTED BY
      MAILING A COPY THEREOF BY REGISTERED OR CERTIFIED MAIL (OR ANY SUBSTANTIALLY
      SIMILAR FORM OF MAIL), POSTAGE PREPAID, TO ITS ADDRESS SET FORTH HEREIN OR
      AT
      SUCH OTHER ADDRESS OF WHICH THE PURCHASER SHALL HAVE BEEN NOTIFIED;
      AND

     

    (D)  AGREES
      THAT NOTHING HEREIN SHALL AFFECT THE RIGHT TO EFFECT SERVICE OF PROCESS IN
      ANY
      OTHER MANNER PERMITTED BY LAW OR SHALL LIMIT THE RIGHT TO SUE IN ANY OTHER
      JURISDICTION.

     

    SECTION
      32.  Confidential
      Information.

     

    The
      Seller and Purchaser understand and agree that this Agreement, any other
      agreements executed in connection with the sale contemplated hereunder, any
      agreements executed in connection with any Reconstitution, and any offering
      circulars or other disclosure documents produced in connection with any
      Reconstitution are confidential and proprietary to the Purchaser or Seller,
      and
      the Seller and Purchaser agree to hold such documents confidential and not
      to
      divulge such documents to anyone except (a) to the extent required by law
      or judicial order or to enforce its rights or remedies under this Agreement,
      (b) to the extent such information enters into the public domain other than
      through the wrongful act of the Seller or the Purchaser, as the case may be,
      (c) as is necessary in working with legal counsel, rating agencies,
      auditors, agents, taxing authorities or other governmental agencies or
      (d) the federal income tax treatment of the transactions hereunder, any
      fact relevant to understanding the federal tax treatment of the transactions
      hereunder, and all materials of any kind (including opinions or other tax
      analyses) relating to such federal income tax treatment; provided that the
      Seller may not disclose the name of or identifying information with respect
      to
      Purchaser or any pricing terms or other nonpublic business or financial
      information that is unrelated to the purported or claimed federal income tax
      treatment of the transactions hereunder and is not relevant to understanding
      the
      purported or claimed federal income tax treatment of the transactions hereunder.
      Moreover, the Seller understands and agrees that this Agreement, any other
      agreements executed in connection with the sale contemplated hereunder, any
      agreements executed in connection with the securitization of the Mortgage Loans,
      and any offering circulars or other disclosure documents produced in connection
      with such securitization are confidential and proprietary to the Purchaser,
      and
      the Seller agrees to hold such documents confidential and not to divulge such
      documents to anyone except (a) to the extent required by law or judicial
      order or to enforce its rights or remedies under this Agreement, (b) to the
      extent such information enters into the public domain other than through the
      wrongful act of the Seller, or (c) as is necessary in working with legal
      counsel, auditors, agents, rating agencies, taxing authorities or other
      governmental agencies. The rights and obligations set forth in this paragraph
      shall survive the Closing Date and shall not merge into the closing documents
      but shall be independently enforceable by the parties hereto.

     

    SECTION
      33.  Compliance
      with Regulation AB.

     

    Subsection
      33.01  Intent
      of the Parties; Reasonableness.

     

    The
      Purchaser and the Seller acknowledge and agree that the purpose of Section 33
      of this
      Agreement is to facilitate compliance by the Purchaser and any Depositor with
      the provisions of Regulation AB and related rules and regulations of the
      Commission. Although Regulation AB is applicable by its terms only to offerings
      of asset-backed securities that are registered under the Securities Act, the
      Company acknowledges that investors in privately offered securities may require
      that the Purchaser or any Depositor provide comparable disclosure in
      unregistered offerings. References in this Agreement to compliance with
      Regulation AB include provision of comparable disclosure in private offerings.
      Neither the Purchaser nor any Depositor shall exercise its right to request
      delivery of information or other performance under these provisions other than
      in good faith, or for purposes other than compliance with the Securities Act,
      the Exchange Act and the rules and regulations of the Commission thereunder
      (or
      the provision in a private offering of disclosure comparable to that required
      under the Securities Act). The Seller acknowledges that interpretations of
      the
      requirements of Regulation AB may change over time, whether due to
      interpretive guidance provided by the Commission or its staff or consensus
      among
      participants in the asset-backed securities markets, and agrees to comply with
      requests made by the Purchaser or any Depositor in good faith for delivery
      of
      information under these provisions on the basis of evolving interpretations
      of
      Regulation AB. In connection with any Securitization Transaction, the
      Seller shall cooperate with the Purchaser to deliver to the Purchaser (including
      any of its assignees or designees) and any Depositor, any and all statements,
      reports, certifications, records and any other information necessary in the
      good
      faith determination of the Purchaser or any Depositor to permit the Purchaser
      or
      such Depositor to comply with the provisions of Regulation AB, together
      with such disclosures relating to the Seller, any Third-Party Originator and
      the
      Mortgage Loans, or the servicing of the Mortgage Loans, reasonably believed
      by
      the Purchaser or any Depositor to be necessary in order to effect such
      compliance.

     

    The
      Purchaser (including any of its assignees or designees) shall cooperate with
      the
      Seller by providing timely notice of requests for information under these
      provisions and by reasonably limiting such requests to information required,
      in
      the Purchaser’s reasonable judgment, to comply with
      Regulation AB.

     

    Subsection
      33.02  Additional
      Representations and Warranties of the Seller.

     

    (a)  The
      Seller shall be deemed to represent to the Purchaser and to any Depositor,
      as of
      the date on which information is first provided to the Purchaser or any
      Depositor under Subsection 33.03
      that,
      except as disclosed in writing to the Purchaser or such Depositor prior to
      such
      date: (i) there are no material legal or governmental proceedings pending
      (or known to be contemplated by governmental authorities) against the Seller
      or
      any Third-Party Originator; and (ii) there are no affiliations,
      relationships or transactions relating to the Seller or any Third-Party
      Originator with respect to any Securitization Transaction and any party thereto
      identified by the related Depositor of a type described in Item 1119 of
      Regulation AB.

     

    (b)  If
      so
      requested by the Purchaser or any Depositor on any date following the date
      on
      which information is first provided to the Purchaser or any Depositor under
      Subsection 33.03,
      the
      Seller shall, within five (5) Business Days following such request, confirm
      in
      writing the accuracy of the representations and warranties set forth in
      paragraph (a) of this Section or, if any such representation and warranty
      is not accurate as of the date of such request, provide reasonably adequate
      disclosure of the pertinent facts, in writing, to the requesting
      party.

     

    Subsection
      33.03  Information
      To Be Provided by the Seller.

     

    In
      connection with any Securitization Transaction the Seller shall (i) within
      five (5) Business Days following request by the Purchaser or any Depositor,
      provide to the Purchaser and such Depositor (or, as applicable, cause each
      Third-Party Originator to provide), in writing and in form and substance
      reasonably satisfactory to the Purchaser and such Depositor, the information
      and
      materials specified in paragraphs (a) and (b) of this Subsection, and
      (ii) as promptly as practicable following notice to or discovery by the
      Seller, provide to the Purchaser and any Depositor (in writing and in form
      and
      substance reasonably satisfactory to the Purchaser and such Depositor) the
      information specified in paragraph (d) of this
      Subsection.

     

    (a)  If
      so
      requested by the Purchaser or any Depositor, the Seller shall provide such
      information regarding (i) the Seller, as originator of the Mortgage Loans
      (including as an acquirer of Mortgage Loans from a Qualified Correspondent),
      or
      (ii) each Third-Party Originator, as is requested for the purpose of
      compliance with Items 1103(a)(1), 1105, 1110, 1117 and 1119 of
      Regulation AB. Such information shall include, at a minimum:

     

    (A)  the
      originator’s form of organization;

     

    (B)  a
      description of the originator’s origination program and how long the originator
      has been engaged in originating residential mortgage loans, which description
      shall include a discussion of the originator’s experience in originating
      mortgage loans of a similar type as the Mortgage Loans; information regarding
      the size and composition of the originator’s origination portfolio; and
      information that may be material, in the good faith judgment of the Purchaser
      or
      any Depositor, to an analysis of the performance of the Mortgage Loans, such
      as
      the originator’s credit-granting or underwriting criteria for mortgage loans of
      similar type(s) as the Mortgage Loans and such other information as the
      Purchaser or any Depositor may reasonably request for the purpose of compliance
      with Item 1110(b)(2) of Regulation AB; provided
      that for
      the avoidance of doubt, such information shall not include the static pool
      information required by Item 1105 of Regulation AB;

     

    (C)  a
      description of any material legal or governmental proceedings pending (or known
      to be contemplated by governmental authorities) against the Seller and each
      Third-Party Originator; and

     

    (D)  a
      description of any affiliation or relationship between the Seller, each
      Third-Party Originator and any of the following parties to a Securitization
      Transaction, as such parties are identified to the Seller by the Purchaser
      or
      any Depositor in writing in advance of such Securitization
      Transaction:

     

    1.  the
      sponsor;

    2.  the
      depositor;

    3.  the
      issuing entity;

    4.  any
      servicer;

    5.  any
      trustee;

    6.  any
      originator;

    7.  any
      significant obligor;

    8.  any
      enhancement or support provider; and

    9.  any
      other
      material transaction party

     

    provided,
      that affiliations and relationships with respect to Third-Party Originators
      are
      those affiliations and relationships known by the Seller after reasonable
      investigation.

     

    (b)  If
      so
      requested by the Purchaser or any Depositor, the Seller shall provide (or,
      as
      applicable, cause each Third-Party Originator to provide) Static Pool
      Information with respect to the mortgage loans (of a similar type as the
      Mortgage Loans, as reasonably identified by the Purchaser as provided below)
      originated by (i) the Seller, if the Seller is an originator of Mortgage
      Loans (including as an acquirer of Mortgage Loans from a Qualified
      Correspondent), and/or (ii) each Third-Party Originator. Such Static Pool
      Information shall be prepared by the Seller (or Third-Party Originator) on
      the
      basis of its reasonable, good faith interpretation of the requirements of
      Item 1105(a)(1)-(3) of Regulation AB, subject to the unavailability of
      such information as contemplated by Item 1105(f). To the extent that there
      is reasonably available to the Seller (or Third-Party Originator) Static Pool
      Information with respect to more than one mortgage loan type, the Purchaser
      or
      any Depositor shall be entitled to specify whether some or all of such
      information shall be provided pursuant to this paragraph. The content and
      presentation of such Static Pool Information may be in the form customarily
      provided by the Seller, and need not be customized for the Purchaser or any
      Depositor. Such Static Pool Information for each vintage origination year or
      prior securitized pool, as applicable, shall be presented in increments no
      less
      frequently than quarterly over the life of the mortgage loans included in the
      vintage origination year or prior securitized pool. The most recent periodic
      increment must be as of a date no later than 135 days prior to the date of
      the prospectus or other offering document in which the Static Pool Information
      is to be included or incorporated by reference. The Static Pool Information
      shall be provided in an electronic format that provides a permanent record
      of
      the information provided, such as a portable document format (pdf) file, or
      other such electronic format as customarily provided by Seller or if Seller
      does
      not customarily provide such information as reasonably required by the Purchaser
      or the Depositor, as applicable.

     

    Promptly
      following notice or discovery of a material error in Static Pool Information
      provided pursuant to the immediately preceding paragraph (including an omission
      to include therein information required to be provided pursuant to such
      paragraph), the Seller shall provide corrected Static Pool Information to the
      Purchaser or any Depositor, as applicable, in the same format in which Static
      Pool Information was previously provided to such party by the
      Seller.

     

    If
      so
      requested by the Purchaser or any Depositor, the Seller shall provide (or,
      as
      applicable, cause each Third-Party Originator to provide), at the expense of
      the
      requesting party (to the extent of any additional incremental expense associated
      with delivery pursuant to this Agreement), such agreed-upon procedures letters
      of certified public accountants reasonably acceptable to the Purchaser or
      Depositor, as applicable, pertaining to Static Pool Information relating to
      prior securitized pools for securitizations closed on or after April 1,
      2006 or, in the case of Static Pool Information with respect to the Seller’s or
      Third-Party Originator’s originations or purchases, to calendar months
      commencing April 1, 2006, as the Purchaser or such Depositor shall
      reasonably request. Such letters shall be addressed to and be for the benefit
      of
      such parties as the Purchaser or such Depositor shall designate, which may
      include, by way of example, any Sponsor, any Depositor and any broker dealer
      acting as underwriter, placement agent or initial purchaser with respect to
      a
      Securitization Transaction. Any such statement or letter may take the form
      of a
      standard, generally applicable document accompanied by a reliance letter
      authorizing reliance by the addressees designated by the Purchaser or such
      Depositor.

     

    (c)  With
      respect to those Mortgage Loans that were originated by the Seller and sold
      to
      the Purchaser pursuant to this Agreement and subsequently securitized by the
      Purchaser or any of its Affiliates, the Purchaser shall, to the extent
      consistent with then-current industry practice, cause the servicer (or another
      party to such securitization) under the securitization to provide, information
      with respect to the Mortgage Loans from and after cut-off date of such
      securitization necessary for the Seller to comply with its obligations under
      Regulation AB, including, without limitation, providing to the Seller static
      pool information, as set forth in Item 1105(a)(2) and (5) of Regulation
      AB.

     

    (d)  If
      so
      requested by the Purchaser or any Depositor for the purpose of satisfying its
      reporting obligation under the Exchange Act with respect to any class of
      asset-backed securities, the Seller shall (or shall cause each Third-Party
      Originator to) (i) notify the Purchaser and any Depositor in writing of any
      material litigation or governmental proceedings pending against the Seller
      or
      any Third-Party Originator and (ii) provide to the Purchaser and any Depositor
      a
      description of such proceedings.

     

    Subsection
      33.04  Indemnification.

     

    The
      Seller shall indemnify the Purchaser, each affiliate of the Purchaser, the
      Depositor and each of the following parties participating in a Securitization
      Transaction: each sponsor and issuing entity; each Person responsible for the
      preparation, execution or filing of any report required to be filed with the
      Commission with respect to such Securitization Transaction, or for execution
      of
      a certification pursuant to Rule 13a-14(d) or Rule 15d-14(d) under the
      Exchange Act with respect to such Securitization Transaction; each broker dealer
      acting as underwriter, placement agent or initial purchaser, each Person who
      controls any of such parties or the Depositor (within the meaning of
      Section 15 of the Securities Act and Section 20 of the Exchange Act);
      and the respective present and former directors, officers, employees and agents
      of each of the foregoing and of the Depositor, and shall hold each of them
      harmless from and against any losses, damages, penalties, fines, forfeitures,
      legal fees and expenses and related costs, judgments, and any other costs,
      fees
      and expenses that any of them may sustain arising out of or based
      upon:

     

    (i)  (A)  any
      untrue statement of a material fact contained in any information, report,
      certification, accountants’ letter or other material provided in written or
      electronic form under this Section 33
      by or on
      behalf of the Seller, or provided under this Section 33
      by or on
      behalf of any Third-Party Originator at the Seller’s request (collectively, the
“Seller
      Information”),
      or
(B)
      the
      omission to state in the Seller Information a material fact required to be
      stated in the Seller Information or necessary in order to make the statements
      therein, in the light of the circumstances under which they were made, not
      misleading; provided, by way of clarification, that clause (B) of this
      paragraph shall be construed solely by reference to the Seller Information
      and not to any other information communicated in connection with a sale or
      purchase of securities, without regard to whether the Seller Information or
      any
      portion thereof is presented together with or separately from such other
      information;

     

    (ii)  any
      failure by the Seller or any Third-Party Originator to deliver any information,
      report, certification, accountants’ letter or other material when and as
      required under this Section 33;
      or

     

    (iii)  any
      breach by the Seller of a representation or warranty set forth in Subsection 33.02(a)
      or in a
      writing furnished pursuant to Subsection 33.02(b)
      and made
      as of a date prior to the closing date of the related Securitization
      Transaction, to the extent that such breach is not cured by such closing date,
      or any breach by the Seller of a representation or warranty in a writing
      furnished pursuant to Subsection 33.02(b)
      to the
      extent made as of a date subsequent to such closing date.

     

    In
      the
      case of any failure of performance described in clause (a)(ii) of this
      Section, the Seller shall promptly reimburse the Purchaser, any Depositor,
      as
      applicable, and each Person responsible for the preparation, execution or filing
      of any report required to be filed with the Commission with respect to such
      Securitization Transaction, or for execution of a certification pursuant to
      Rule 13a-14(d) or Rule 15d-14(d) under the Exchange Act with respect
      to such Securitization Transaction, for all costs reasonably incurred by each
      such party in order to obtain the information, report, certification,
      accountants’ letter or other material not delivered as required by the Seller or
      any Third-Party Originator.

     

    [Signatures
      Commence on Following Page]

    

    
      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

          
          

        

      

    

     

    IN
      WITNESS WHEREOF, the Seller and the Purchaser have caused their names to be
      signed hereto by their respective officers thereunto duly authorized as of
      the
      date first above written.

    
       

      
        	 	
                GOLDMAN
                  SACHS MORTGAGE COMPANY, a New York limited partnership

                (Purchaser)

              

      

    

    
       

    

    
      	 	 	 
	 	By:  	GOLDMAN SACHS REAL ESTATE FUNDING CORP., a New York
              corporation, as General Partner
	 
 	 
 	 
 
	
            	By:  	
            
	 	
              
Name:

	 	Title:

    

    
       

    

    
      	 	
              
                IMPAC
                  FUNDING CORPORATION,

                (Seller)

              

            

    

     

    
      	 	 	 
	
            	By:  	
            
	 	
              
Name:

	 	Title:

    

    
       

    

    

    
      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

          
          

        

      

    

     

    EXHIBIT
      A

     

    CONTENTS
      OF EACH MORTGAGE FILE

     

    With
      respect to each Mortgage Loan, the Mortgage File shall include each of the
      following items, which shall be available for inspection by the Purchaser and
      any prospective Purchaser, and which shall be delivered to the Custodian, or
      to
      such other Person as the Purchaser shall designate in writing, pursuant to
      Section 6 of the Flow Mortgage Loan Purchase and Warranties Agreement to which
      this Exhibit is attached (the “Agreement”):

     

    (a)  the
      original Mortgage Note bearing all intervening endorsements, endorsed “Pay to
      the order of _________, without recourse” and signed in the name of the last
      endorsee (the “Last
      Endorsee”)
      by an
      authorized officer. To the extent that there is no room on the face of the
      Mortgage Notes for endorsements, the endorsement may be contained on an allonge,
      if state law so allows and the Custodian is so advised by the Seller that state
      law so allows. If the Mortgage Loan was acquired by the Seller in a merger,
      the
      endorsement must be by “[Last Endorsee], successor by merger to [name of
      predecessor]”. If the Mortgage Loan was acquired or originated by the Last
      Endorsee while doing business under another name, the endorsement must be by
      “[Last Endorsee], formerly known as [previous name]”;

     

    (b)  the
      original of any guarantee executed in connection with the Mortgage
      Note;

     

    (c)  the
      original Mortgage with evidence of recording thereon. If in connection with
      any
      Mortgage Loan, the Seller cannot deliver or cause to be delivered the original
      Mortgage with evidence of recording thereon on or prior to the related Closing
      Date because of a delay caused by the public recording office where such
      Mortgage has been delivered for recordation or because such Mortgage has been
      lost or because such public recording office retains the original recorded
      Mortgage, the Seller shall deliver or cause to be delivered to the Custodian,
      a
      photocopy of such Mortgage, together with (i) in the case of a delay caused
      by the public recording office, an Officer’s Certificate of the Seller (or
      certified by the title company, escrow agent, or closing attorney) stating
      that
      such Mortgage has been dispatched to the appropriate public recording office
      for
      recordation and that the original recorded Mortgage or a copy of such Mortgage
      certified by such public recording office to be a true and complete copy of
      the
      original recorded Mortgage will be promptly delivered to the Custodian upon
      receipt thereof by the Seller; or (ii) in the case of a Mortgage where a
      public recording office retains the original recorded Mortgage or in the case
      where a Mortgage is lost after recordation in a public recording office, a
      copy
      of such Mortgage certified by such public recording office to be a true and
      complete copy of the original recorded Mortgage;

     

    (d)  the
      originals of all assumption, modification, consolidation or extension
      agreements, if any, with evidence of recording thereon;

     

    (e)  except
      with respect to each MERS Designated Mortgage Loan, the original Assignment
      of
      Mortgage for each Mortgage Loan, in form and substance acceptable for recording.
      The Assignment of Mortgage must be duly recorded only if recordation is either
      necessary under applicable law or commonly required by private institutional
      mortgage investors in the area where the Mortgaged Property is located or on
      direction of the Purchaser as provided in this Agreement. If the Assignment
      of
      Mortgage is to be recorded, the Mortgage shall be assigned to the Purchaser.
      If
      the Assignment of Mortgage is not to be recorded, the Assignment of Mortgage
      shall be delivered in blank. If the Mortgage Loan was acquired by the Seller
      in
      a merger, the Assignment of Mortgage must be made by “Impac Funding Corporation,
      successor by merger to [name of predecessor]”. If the Mortgage Loan was acquired
      or originated by the Seller while doing business under another name, the
      Assignment of Mortgage must be by “Impac Funding Corporation, formerly known as
      [previous name]”;

     

    (f)  the
      originals of all intervening assignments of mortgage (if any) evidencing a
      complete chain of assignment from the originator to the Last Endorsee (or to
      MERS with respect to each MERS Designated Mortgage Loan) with evidence of
      recording thereon, or if any such intervening assignment has not been returned
      from the applicable recording office or has been lost or if such public
      recording office retains the original recorded assignments of mortgage, the
      Seller shall deliver or cause to be delivered to the Custodian, a photocopy
      of
      such intervening assignment, together with (i) in the case of a delay
      caused by the public recording office, an Officers Certificate of the Seller
      (or
      certified by the title company, escrow agent, or closing attorney) stating
      that
      such intervening assignment of mortgage has been dispatched to the appropriate
      public recording office for recordation and that such original recorded
      intervening assignment of mortgage or a copy of such intervening assignment
      of
      mortgage certified by the appropriate public recording office to be a true
      and
      complete copy of the original recorded intervening assignment of mortgage will
      be promptly delivered to the Custodian upon receipt thereof by the Seller;
      or
      (ii) in the case of an intervening assignment where a public recording
      office retains the original recorded intervening assignment or in the case
      where
      an intervening assignment is lost after recordation in a public recording
      office, a copy of such intervening assignment certified by such public recording
      office to be a true and complete copy of the original recorded intervening
      assignment;

     

    (g)  The
      original mortgagee policy of title insurance or, in the event such original
      title policy is unavailable, a certified true copy of the related policy binder
      or commitment for title certified to be true and complete by the title insurance
      company; and

     

    (h)  security
      agreement, chattel mortgage or equivalent document executed in connection with
      the Mortgage.

     

    In
      the
      event an Officer’s Certificate of the Seller is delivered to the Purchaser
      because of a delay caused by the public recording office in returning any
      recorded document, the Seller shall deliver to the Purchaser, within ninety
      (90)
      days of the related Closing Date, an Officer’s Certificate which shall
      (i) identify the recorded document, (ii) state that the recorded
      document has not been delivered to the Custodian due solely to a delay caused
      by
      the public recording office, (iii) state the amount of time generally
      required by the applicable recording office to record and return a document
      submitted for recordation, and (iv) specify the date the applicable
      recorded document will be delivered to the Custodian. An extension of the date
      specified in (iv) above may be requested from the Purchaser, which consent
      shall not be unreasonably withheld.

    

    

    
      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

          
          

        

      

    

     

    EXHIBIT
      B

     

    CONTENTS
      OF EACH CREDIT FILE

     

    (a)  The
      original hazard insurance policy and, if required by law, flood insurance
      policy.

     

    (b)  Residential
      loan application.

     

    (c)  Mortgage
      Loan closing statement.

     

    (d)  Verification
      of employment and income (except for Mortgage Loans originated under a Limited
      Documentation Program).

     

    (e)  Verification
      of acceptable evidence of source and amount of downpayment.

     

    (f)  Credit
      report on the Mortgagor.

     

    (g)  Residential
      appraisal report, if available.

     

    (h)  Photograph
      of the Mortgaged Property.

     

    (i)  Survey
      of
      the Mortgaged Property, if any.

     

    (j)  Copy
      of
      each instrument necessary to complete identification of any exception set forth
      in the exception schedule in the title policy, i.e., map or plat, restrictions,
      easements, sewer agreements, home association declarations, etc.

     

    (k)  All
      required disclosure statements.

     

    (l)  If
      available, termite report, structural engineer’s report, water potability and
      septic certification.

     

    (m)  Sales
      contract, if applicable.

     

    (n)  Tax
      receipts, insurance premium receipts, ledger sheets, payment history from date
      of origination, insurance claim files, correspondence, current and historical
      computerized data files, and all other processing, underwriting and closing
      papers and records which are customarily contained in a mortgage loan file
      and
      which are required to document the Mortgage Loan or to service the Mortgage
      Loan.

     

    (o)  Amortization
      schedule, if applicable.

    

    

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

          
          

        

      

    

     

    EXHIBIT
      C

     

    SELLER’S
      OFFICER’S CERTIFICATE

     

    I,
      ____________________, hereby certify that I am the duly elected [Vice] President
      of Impac Funding Corporation, a corporation organized under the laws of the
      State of Delaware (the “Company”)
      and
      further as follows:

     

    1.  Attached
      hereto as Exhibit
      1
      is a
      true, correct and complete copy of the charter of the Company which is in full
      force and effect on the date hereof and which has been in effect without
      amendment, waiver, rescission or modification since ___________.

     

    2.  Attached
      hereto as Exhibit
      2
      is a
      true, correct and complete copy of the bylaws of the Company which are in effect
      on the date hereof and which have been in effect without amendment, waiver,
      rescission or modification since ___________.

     

    3.  Attached
      hereto as Exhibit
      3
      is an
      original certificate of good standing of the Company issued within ten days
      of
      the date hereof, and no event has occurred since the date thereof which would
      impair such standing.

     

    4.  Attached
      hereto as Exhibit
      4
      is a
      true, correct and complete copy of the corporate resolutions of the Board of
      Directors of the Company authorizing the Company to execute and deliver each
      of
      the Flow Mortgage Loan Purchase and Warranties Agreement, dated as of
      April 1, 2006, by and between Goldman Sachs Mortgage Company (the
“Purchaser”)
      and
      the Company (the “Purchase
      Agreement”),
      the
      Flow Interim Servicing Agreement, dated as of April 1, 2006, by and between
      the Purchaser and the Company (the “Servicing
      Agreement”,
      together with the Purchase Agreement, the “Agreements”)
      and
      such resolutions are in effect on the date hereof and have been in effect
      without amendment, waiver, rescission or modification since
      ____________.

     

    5.  Either
      (i) no consent, approval, authorization or order of any court or
      governmental agency or body is required for the execution, delivery and
      performance by the Company of or compliance by the Company with the Agreements,
      the sale of the mortgage loans or the consummation of the transactions
      contemplated by the agreements; or (ii) any required consent, approval,
      authorization or order has been obtained by the Company.

     

    6.  Neither
      the consummation of the transactions contemplated by, nor the fulfillment of
      the
      terms of the Agreements conflicts or will conflict with or results or will
      result in a breach of or constitutes or will constitute a default under the
      charter or by-laws of the Company, the terms of any indenture or, to the best
      of
      the Company’s knowledge, other agreement or instrument to which the Company is a
      party or by which it is bound or to which it is subject, or any statute or
      order, rule, regulations, writ, injunction or decree of any court, governmental
      authority or regulatory body to which the Company is subject or by which it
      is
      bound.

     

    7.  To
      the
      best of my knowledge, there is no action, suit, proceeding or investigation
      pending or threatened against the Company which, in my judgment, either in
      any
      one instance or in the aggregate, may result in any material adverse change
      in
      the business, operations, financial condition, properties or assets of the
      Company or in any material impairment of the right or ability of the Company
      to
      carry on its business substantially as now conducted or in any material
      liability on the part of the Company or which would draw into question the
      validity of the Agreements, or the mortgage loans or of any action taken or
      to
      be taken in connection with the transactions contemplated hereby, or which
      would
      be likely to impair materially the ability of the Company to perform under
      the
      terms of the Agreements.

     

    8.  Each
      person who, as an officer or representative of the Company, signed the
      Agreements and any other document delivered or on the date hereof in connection
      with any purchase described in the agreements set forth above was, at the
      respective times of such signing and delivery, and is now, a duly elected or
      appointed, qualified and acting officer or representative of the Company and
      the
      signatures of such persons appearing on such documents are their genuine
      signatures.

     

    9.  The
      Company is duly authorized to engage in the transactions described and
      contemplated in the Agreements.

    

    
      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

    

    

     

    IN
      WITNESS WHEREOF, I have hereunto signed my name and affixed the seal of the
      Company.

     

    
      	
              Dated:  ____________________

               

              [Seal]

            	By:___________________________
              Name:_________________________

              Title: [Vice]
                President

            

    

     

    I,
      ________________________, an [Assistant] Secretary of Impac Funding Corporation,
      hereby certify that ____________ is the duly elected, qualified and acting
      [Vice] President of the Company and that the signature appearing above is [her]
      [his] genuine signature.

     

    IN
      WITNESS WHEREOF, I have hereunto signed my name.

     

    
      	
              Dated:  ____________________

               

            	By:___________________________
              Name:_________________________

              
                Title: [Assistant]
                  Secretary

              

            

    

    
       

    

    

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

          
          

        

      

    

     

    EXHIBIT
      D

     

    FORM
      OF
      OPINION OF COUNSEL TO THE SELLER

     

    (date)

     

    Goldman
      Sachs Mortgage Company

    85
      Broad
      Street 

    New
      York,
      New York 10004

     

    Dear
      Sirs:

     

    You
      have
      requested [our] [my] opinion, as [Assistant] General Counsel to
      ___________________ (the “Company”),
      with
      respect to certain matters in connection with the sale by the Company of the
      Mortgage Loans pursuant to that certain Flow Mortgage Loan Purchase and
      Warranties Agreement by and between the Company and Goldman Sachs Mortgage
      Company (the “Purchaser”),
      dated
      as of _________ __, 200_ (the “Purchase
      Agreement”)
      which
      sale is in the form of whole loans and that certain Flow Interim Servicing
      Agreement by and between the Company and Goldman Sachs Mortgage Company (the
      “Purchaser”), dated as of _________ __, 200_ (the “Servicing
      Agreement”,
      together with the Purchase Agreement, the “Agreements”).
      Capitalized terms not otherwise defined herein have the meanings set forth
      in
      the Purchase Agreement.

     

      [We]
      [I]
      have examined the following documents:

     

    
      	1.  	
              the
                Agreements;

            

    

     

    
      	2.  	
              the
                form of Assignment of Mortgage;

            

    

     

    
      	3.  	
              the
                form of endorsement of the Mortgage Notes;
                and

            

    

     

    
      	4.  	
              such
                other documents, records and papers as we have deemed necessary and
                relevant as a basis for this
                opinion.

            

    

     

    To
      the
      extent [we] [I] have deemed necessary and proper, [we] [I] have relied upon
      the
      representations and warranties of the Company contained in the Purchase
      Agreement. [We] [I] have assumed the authenticity of all documents submitted
      to
      [us] [me] as originals, the genuineness of all signatures, the legal capacity
      of
      natural persons and the conformity to the originals of all
      documents.

     

    Based
      upon the foregoing, it is [our] [my] opinion that:

     

    
      	1.  	
              The
                Company is a [type of entity] duly organized, validly existing and
                in good
                standing under the laws of ___________ and is qualified to transact
                business in, and is in good standing under, the laws of [the state
                of
                incorporation].

            

    

     

    
      	2.  	
              The
                Company has the power to engage in the transactions contemplated
                by the
                Agreements and all requisite power, authority and legal right to
                execute
                and deliver such Agreements and to perform and observe the terms
                and
                conditions of such Agreements.

            

    

     

    
      	3.  	
              Each
                of the Agreements has been duly authorized, executed and delivered
                by the
                Company, and is a legal, valid and binding agreement enforceable
                in
                accordance with its respective terms against the Company, subject
                to
                bankruptcy laws and other similar laws of general application affecting
                rights of creditors and subject to the application of the rules of
                equity,
                including those respecting the availability of specific performance,
                none
                of which will materially interfere with the realization of the benefits
                provided thereunder or with the Purchaser’s ownership of the Mortgage
                Loans.

            

    

     

    
      	4.  	
              The
                Company has been duly authorized to allow certain of its officers
                to
                execute any and all documents by original signature in order to complete
                the transactions contemplated by the
                Agreements.

            

    

     

    
      	5.  	
              The
                Company has been duly authorized to allow certain employees to execute
                by
                original [or facsimile] signature the endorsements to the Mortgage
                Notes
                and the Assignments of Mortgages, and the original [or facsimile]
                signature of the employee at the Company executing the endorsements
                to the
                Mortgage Notes and the Assignments of Mortgages represents the legal
                and
                valid signature of said officer of the
                Company.

            

    

     

    
      	6.  	
              Either
                (i) no consent, approval, authorization or order of any court or
                governmental agency or body is required for the execution, delivery
                and
                performance by the Company of or compliance with the Agreements and
                the
                sale of the Mortgage Loans by the Company or the consummation of
                the
                transactions contemplated by the Agreements or (ii) any required
                consent, approval, authorization or order has been obtained by the
                Company.

            

    

     

    
      	7.  	
              Neither
                the consummation of the transactions contemplated by, nor the fulfillment
                of the terms of, the Agreements conflicts or will conflict with or
                results
                or will result in a breach of or constitutes or will constitute a
                default
                under the charter or by-laws of the Company, the terms of any indenture
                or, to the best of the Company’s knowledge, other agreement or instrument
                to which the Company is a party or by which it is bound or to which
                it is
                subject, or violates any statute or order, rule, regulations, writ,
                injunction or decree of any court, governmental authority or regulatory
                body to which the Company is subject or by which it is
                bound.

            

    

     

    
      	8.  	
              There
                is no action, suit, proceeding or investigation pending or, to the
                best of
                [our] [my] knowledge, threatened against the Company which, in [our]
                [my]
                judgment, either in any one instance or in the aggregate, may result
                in
                any material adverse change in the business, operations, financial
                condition, properties or assets of the Company or in any material
                impairment of the right or ability of the Company to carry on its
                business
                substantially as now conducted or in any material liability on the
                part of
                the Company or which would draw into question the validity of the
                Agreements to which it is a party or the Mortgage Loans or of any
                action
                taken or to be taken in connection with the transactions contemplated
                thereby, or which would be likely to impair materially the ability
                of the
                Company to perform under the terms of the
                Agreements.

            

    

     

    
      	9.  	
              The
                sale of each Mortgage Note and Mortgage as and in the manner contemplated
                by the Purchase Agreement and the Servicing Agreement is sufficient
                to
                fully transfer to the Purchaser all right, title and interest of
                the
                Company thereto as noteholder and
                mortgagee.

            

    

     

    
      	10.  	
              The
                Mortgages have been duly assigned and the Mortgage Notes have been
                duly
                endorsed as provided in Exhibit A to the Purchase Agreement. The
                Assignments of Mortgage are in recordable form, except for the insertion
                of the name of the assignee, and upon the name of the assignee being
                inserted, are acceptable for recording under the laws of the state
                where
                each related Mortgaged Property is located. The endorsement of the
                Mortgage Notes, the delivery to the Purchaser, or its designee, of
                the
                Assignments of Mortgage, and the delivery of the original endorsed
                Mortgage Notes to the Purchaser, or its designee, are sufficient
                to permit
                the Purchaser to avail itself of all protection available under applicable
                law against the claims of any present or future creditors of the
                Company,
                and are sufficient to prevent any other sale, transfer, assignment,
                pledge
                or hypothecation of the Mortgages and the Mortgage Notes by the Company
                from being enforceable.

            

    

     

    This
      opinion is given to you for your sole benefit, and no other person or entity
      is
      entitled to rely hereon except that the purchaser or purchasers to which you
      initially and directly resell the Mortgage Loans may rely on this opinion as
      if
      it were addressed to them as of its date.

     

    
      	 	
              Very
                truly yours,

               

              _____________________________

              [Name]

              [Assistant]
                General Counsel

            

    

    
    

    

    
      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

          
          

        

      

    

     

    EXHIBIT
      E

     

    FORM
      OF SECURITY RELEASE CERTIFICATION

     

    

     

    ___________________,
      200__

     

    [Federal
      Home Loan Bank of

    ______
      (the “Association”)]

    ________________________

    ________________________

    ________________________

     

    Attention:
       ___________________________

    ___________________________

     

    
      	Re:  	
              Notice
                of Sale and Release of
                Collateral

            

    

     

    Dear
      Sirs:

     

    This
      letter serves as notice that Impac Funding Corporation, a corporation organized
      pursuant to the laws of the State of Delaware (the “Company”)
      has
      committed to sell to Goldman Sachs Mortgage Company under a Flow Mortgage Loan
      Purchase and Warranties Agreement, dated as of ______ __, 200_, certain mortgage
      loans originated by the Association. The Company warrants that the mortgage
      loans to be sold to Goldman Sachs Mortgage Company are in addition to and beyond
      any collateral required to secure advances made by the Association to the
      Company.

     

    The
      Company acknowledges that the mortgage loans to be sold to Goldman Sachs
      Mortgage Company shall not be used as additional or substitute collateral for
      advances made by the Association. Goldman Sachs Mortgage Company understands
      that the balance of the Company’s mortgage loan portfolio may be used as
      collateral or additional collateral for advances made by the Association, and
      confirms that it has no interest therein.

     

    Execution
      of this letter by the Association shall constitute a full and complete release
      of any security interest, claim, or lien which the Association may have against
      the mortgage loans to be sold to Goldman Sachs Mortgage Company.

     

    
      	 	
              Very
                truly yours,

              ____________________________

               

              By:__________________________

              Name:________________________

              Title:_________________________

              Date:_________________________

            
	
              Acknowledged
                and approved:

               

              __________________________

               

               

               

              By:______________________________

              Name:___________________________

              Title:____________________________

              Date:____________________________

            	 

    

     

     

    
      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

          
          

        

      

    

     

    EXHIBIT
      F

     

    FORM
      OF SECURITY RELEASE CERTIFICATION

     

    I.  Release
      of Security Interest

     

    The
      financial institution named below hereby relinquishes any and all right, title
      and interest it may have in all Mortgage Loans to be purchased by to Goldman
      Sachs Mortgage Company from the Company named below pursuant to that certain
      Flow Mortgage Loan Purchase and Warranties Agreement, dated as of ______ __,
      200_, and certifies that all notes, mortgages, assignments and other documents
      in its possession relating to such Mortgage Loans have been delivered and
      released to the Company named below or its designees, as of the date and time
      of
      the sale of such Mortgage Loans to Goldman Sachs Mortgage Company.

     

    Name
      and
      Address of Financial Institution

     

    ________________________________

    (name)

     

    ________________________________

    (Address)

     

    By:_____________________________

    

    
      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

    

    

     

    II.  Certification
      of Release

     

    The
      Company named below hereby certifies to ___________________________ that, as
      of
      the date and time of the sale of the above-mentioned
      ___________________________________ the security interests in the Mortgage
      Loans
      released by the above-named financial institution comprise all security
      interests relating to or affecting any and all such Mortgage Loans. The Company
      warrants that, as of such time, there are and will be no other security
      interests affecting any or all of such Mortgage Loans.

     

    
      	 	
              _____________________________

               

              By:__________________________

              Title:_________________________

              Date:_________________________

            

    

     

    

    
      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

          
          

        

      

    

     

    EXHIBIT
      G

     

    FORM
      OF ASSIGNMENT AND ASSUMPTION AGREEMENT

     

    ASSIGNMENT
      AND ASSUMPTION AGREEMENT, dated ______________, between
      __________________________________, a ___________________ corporation
      (“Assignor”)
      and
      ________________________________, a __________________ corporation
      (“Assignee”):

     

    For
      good
      and valuable consideration the receipt and sufficiency of which hereby are
      acknowledged, and of the mutual covenants herein contained, the parties hereto
      hereby agree as follows:

     

    1.  The
      Assignor hereby grants, transfers, conveys and assigns to Assignee, as
      Purchaser, all of the right, title and interest of Assignor with respect to
      the
      mortgage loans listed on Exhibit
      A
      attached
      hereto (the “Mortgage
      Loans”),
      and
      with respect to such Mortgage Loans, in, to and under (a) that certain Flow
      Mortgage Loan Purchase and Warranties Agreement, dated as of April 1, 2006,
      by and between the Goldman Sachs Mortgage Company (the “Purchaser”)
      and
      Impac Funding Corporation (the “Purchase
      Agreement”),
      and
      (b) that certain Flow Interim Servicing Agreement, dated as of
      April 1, 2006, by and between the Purchaser and Impac Funding Corporation
      (the “Servicing
      Agreement”);
      and
      (c) the Purchase Agreement and the Servicing Agreement are collectively
      referred to as the “Agreements”).

     

    2.  The
      Assignor warrants and represents to, and covenants with, the Assignee
      that:

     

    a.  The
      Assignor is the lawful owner of the Mortgage Loans with the full right to
      transfer the Mortgage Loans free from any and all claims and encumbrances
      whatsoever;

     

    b.  The
      Assignor has not received notice of, and has no knowledge of, any offsets,
      counterclaims or other defenses available to the Seller with respect to the
      Agreements or the Mortgage Loans;

     

    c.  The
      Assignor has not waived or agreed to any waiver under, or agreed to any
      amendment or other modification of, the Agreements. The Assignor has no
      knowledge of, and has not received notice of, any waivers under or amendments
      or
      other modifications of, or assignments of rights or obligations under, the
      Agreements; and

     

    d.  Neither
      the Assignor nor anyone acting on its behalf has offered, transferred, pledged,
      sold or otherwise disposed of the Mortgage Loans or any interest in the Mortgage
      Loans, or solicited any offer to buy or accept a transfer, pledge or other
      disposition of the Mortgage Loans, or any interest in the Mortgage Loans or
      otherwise approached or negotiated with respect to the Mortgage Loans, or any
      interest in the Mortgage with any person in any manner, or made any general
      solicitation by means of general advertising or in any other manner, or taken
      any other action which would constitute a distribution of the Mortgage Loans
      under the Securities Act of 1933, as amended (the “1933
      Act”)
      or
      which would render the disposition of the Mortgage Loans a violation of Section
      5 of the 1933 Act or require registration pursuant thereto.

     

    3.  The
      Assignee warrants and represents to, and covenants with, the Assignor and the
      Seller pursuant to the Agreements that:

     

    a.  The
      Assignee is a corporation duly organized, validly existing and in good standing
      under the laws of the jurisdiction of its incorporation, and has all requisite
      corporate power and authority to acquire, own and purchase the Mortgage
      Loans;

     

    b.  The
      Assignee has full corporate power and authority to execute, deliver and perform
      under this Assignment and Assumption Agreement, and to consummate the
      transactions set forth herein. The execution, delivery and performance of the
      Assignee of this Assignment and Assumption Agreement, and the consummation
      by it
      of the transactions contemplated hereby, have been duly authorized by all
      necessary corporate action of the Assignee. This Assignment and Assumption
      Agreement has been duly executed and delivered by the Assignee and constitutes
      the valid and legally binding obligation of the Assignee enforceable against
      the
      Assignee in accordance with its respective terms;

     

    c.  To
      the
      best of Assignee’s knowledge, no material consent, approval, order or
      authorization of, or declaration, filing or registration with, any governmental
      entity is required to be obtained or made by the Assignee in connection with
      the
      execution, delivery or performance by the Assignee of this Assignment and
      Assumption Agreement, or the consummation by it of the transactions contemplated
      hereby;

     

    d.  The
      Assignee agrees to be bound, as Purchaser, by all of the terms, covenants and
      conditions of the Agreements, the Mortgage Loans, and from and after the date
      hereof, the Assignee assumes for the benefit of each of the Seller, the Assignor
      and the Custodian all of the Assignor’s obligations as Purchaser thereunder;
      including, without limitation, the limitation on assignment set forth in Section
      22 of the Purchase Agreement;

     

    e.  The
      Assignee understands that the Mortgage Loans have not been registered under
      the
      1933 Act or the securities laws of any state;

     

    f.  The
      purchase price being paid by the Assignee for the Mortgage Loans is in excess
      of
      $250,000 and will be paid by cash remittance of the full purchase price within
      60 days of the sale;

     

    g.  The
      Assignee is acquiring the Mortgage Loans for investment for its own account
      only
      and not for any other person;

     

    h.  The
      Assignee considers itself a substantial, sophisticated institutional investor
      having such knowledge and experience in financial and business matters that
      it
      is capable of evaluating the merits and risks of investment in the Mortgage
      Loans;

     

    i.  The
      Assignee has been furnished with all informa-tion regarding the Mortgage Loans
      that it has requested from the Assignor or the Seller;

     

    j.  Neither
      the Assignee nor anyone acting on its behalf has offered, transferred, pledged,
      sold or otherwise disposed of the Mortgage Loans or any interest in the Mortgage
      Loans, or solicited any offer to buy or accept a transfer, pledge or other
      disposition of the Mortgage Loans or any interest in the Mortgage Loans, or
      otherwise approached or negotiated with respect to the Mortgage Loans or any
      interest in the Mortgage Loans with any person in any manner which would
      constitute a distribution of the Mortgage Loans under the 1933 Act or which
      would render the disposition of the Mortgage Loans a violation of Section 5
      of
      the 1933 Act or require registration pursuant thereto, nor will it act, nor
      has
      it authorized or will it authorize any person to act, in such manner with
      respect to the Mortgage Loans; and

     

    k.  Either:
      (1) the Assignee is not an employee benefit plan (“Plan”)
      within
      the meaning of section 3(3) of the Employee Retirement Income Security Act
      of
      1974, as amended (“ERISA”)
      or a
      plan (also “Plan”)
      within
      the meaning of section 4975(e)(1) of the Internal Revenue Code of 1986, as
      amended (“Code”),
      and
      the Assignee is not directly or indirectly purchasing the Mortgage Loans on
      behalf of, investment manager of, as named fiduciary of, as Trustee of, or
      with
      assets of, a Plan; or (2) the Assignee’s purchase of the Mortgage Loans
      will not result in a prohibited transaction under section 406 of ERISA or
      section 4975 of the Code.

     

    4.  (a)  The
      Assignee’s address for purposes of all notices and correspondence related to the
      Mortgage Loans, this Assignment and Assumption Agreement and the Agreements
      is:

     

    The
      Assignee’s wire instructions for purposes of all remittances and payments
      related to the Mortgage Loans are:

     

    (b) The
      Assignor’s address for purposes for all notices and correspondence related to
      the Mortgage Loans and this Assignment and Assumption Agreement is:

     

    5.  This
      Assignment and Assumption Agreement shall be construed in accordance with the
      laws of the State of New York and the obligations, rights and remedies of the
      parties hereunder shall be determined in accordance with such laws, except
      to
      the extent preempted by federal law.

     

    6.  This
      Assignment and Assumption Agreement shall inure to the benefit of the successors
      and assigns of the parties hereto. This Assignment and Assumption Agreement
      may
      not be assigned by the Assignee without the express written consent of the
      Assignor. Any entity into which the Assignor or Assignee may be merged or
      consolidated shall, without the requirement for any further writing, be deemed
      the Assignor or Assignee, respectively, hereunder.

     

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

     

    8.  This
      Assignment and Assumption Agreement shall survive the conveyance of the Mortgage
      Loans and the assignment of the Agreements by the Assignor.

     

    9.  Notwithstanding
      the assignment of the Agreements by either the Assignor or Assignee, this
      Assignment and Assumption Agreement shall not be deemed assigned by the Assignor
      or the Assignee unless assigned by separate written instrument.

     

    10.  For
      the
      purpose for facilitating the execution of this Assignment and Assumption
      Agreement as herein provided and for other purposes, this Assignment and
      Assumption Agreement may be executed simultaneously in any number of
      counterparts, each of which counterparts shall be deemed to be an original,
      and
      such counterparts shall constitute and be one and the same
      instrument.

    

    
      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

    

    

     

    IN
      WITNESS WHEREOF, the parties have caused this Assignment and Assumption
      Agreement to be executed by their duly authorized officers as of the date first
      above written.

     

    
      
        	
                ______________________________

              	
                ______________________________

              
	
                Assignor

              	
                Assignee

              
	 	 
	 	 
	
                By:___________________________

              	
                By:___________________________

              
	 	 
	
                Its:__________________________

              	
                Its:__________________________

              
	 	 
	
                Taxpayer

              	
                Taxpayer

              
	
                Identification
                  No.____________

              	
                Identification
                  No.____________

              

      

       

      

      
        
          
            
            

          

          
            
            

            
              

            

          

          
            
            

            
            

          

        

      

      
 

    

    EXHIBIT
      H

     

    [INTENTIONALLY
      OMITTED]

    

    

    
      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

          
          

        

      

    

    

     

    EXHIBIT
      I

     

    REPRESENTATIONS
      AND WARRANTIES WITH RESPECT TO THE POOL CHARACTERISTICS OF THE MORTGAGE
      LOANS

     

    Pool
      Characteristics of the Mortgage Loans as delivered on the Closing
      Date:

    

    

    
      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

          
          

        

      

    

     

    EXHIBIT
      J

     

    ORIGINATOR’S
      UNDERWRITING GUIDELINES

    

    

    

    
      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

          
          

        

      

    

     

    EXHIBIT
      K

     

    MORTGAGE
      LOAN SCHEDULE

    

    

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

          
          

        

      

    

     

    EXHIBIT
      L

     

    [INTENTIONALLY
      OMITTED]

    

    
      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

          
          

        

      

    

     

    EXHIBIT
      M

     

    ASSIGNMENT
      AND CONVEYANCE

     

    On
      this
      __ day of _________, 200_, Impac Funding Corporation, as the Seller, under
      that
      certain Flow Mortgage Loan Purchase and Warranties Agreement, dated as of
April 1,
      2006
      (the
“Agreement”)
      does
      hereby sell, transfer, assign, set over and convey to Goldman Sachs Mortgage
      Company, as Purchaser under the Agreement all rights, title and interest of
      the
      Seller in and to (a) the Mortgage Loans listed on the related Mortgage Loan
      Schedule attached as Exhibit
      1
      hereto,
      and (b) the Servicing Rights, together with the related Mortgage Files and
      all rights and obligations arising under the documents contained therein.
      Pursuant to Subsection 6.03 of the Agreement, the Seller has delivered to the
      Custodian the documents for each Mortgage Loan to be purchased as set forth
      in
      the Agreement. The ownership of each Mortgage Note, Mortgage, and the contents
      of each Mortgage File is vested in the Purchaser and the ownership of all
      records and documents with respect to the related Mortgage Loan prepared by
      or
      which come into the possession of the Seller shall immediately vest in the
      Purchaser and shall be delivered promptly by the Seller to the
      Purchaser.

     

    The
      Seller confirms to the Purchaser that, unless otherwise agreed upon in writing
      by the Seller and the Purchaser, the representations and warranties set forth
      in
      Subsection 4.02 of the Agreement with respect to the Mortgage Loans listed
      on
      the Mortgage Loan Schedule attached hereto, and the representations and
      warranties in Subsection 4.01 of the Agreement with respect to the Seller are
      true and correct as of the date hereof.

     

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

     

    
      	 	IMPAC
              FUNDING CORPORATION,
              (Seller)

               

              By:________________________

              Name:______________________

              Title:_______________________

            

    

     

    

    
      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

          
          

        

      

    

     

    EXHIBIT
      N

     

    FORM
      OF INDEMNIFICATION AGREEMENT

     

    THIS
      INDEMNIFICATION AND CONTRIBUTION AGREEMENT dated [_______], 200___
      (“Agreement”)
      between GS Mortgage Securities Corp., a Delaware corporation (the “Depositor”),
      and
      [___________________], a [_________] corporation (the “Indemnifying
      Party”).

     

    W I T N E&#160
      ;S S E T H:

     

    WHEREAS,
      the Indemnifying Party or its Affiliate originated or acquired the Mortgage
      Loans and subsequently sold the Mortgage Loans to an Affiliate of the Depositor
      in anticipation of the securitization transaction; and

     

    WHEREAS,
      as an inducement to the Depositor to enter into the Assignment and Recognition
      Agreement, to the Underwriter[s] to enter into the Underwriting Agreement (as
      defined herein), and to the Initial Purchaser[s] to enter into the Certificate
      Purchase Agreement (as defined herein), the Indemnifying Party wishes to provide
      for indemnification and contribution on the terms and conditions hereinafter
      set
      forth; 

     

    NOW,
      THEREFORE, in consideration of the foregoing and of other good and valuable
      consideration, the receipt and sufficiency of which are hereby acknowledged,
      the
      parties hereto agree as follows:

     

    SECTION 1.  DEFINITIONS

     

    Subsection 1.01  Certain
      Defined Terms.
      The
      following terms shall have the meanings set forth below, unless the context
      clearly indicates otherwise:

     

    1933
      Act:
      The
      Securities Act of 1933, as amended.

     

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

     

    ABS
      Informational and Computational Material:
      Any
      written communication as defined in Item 1101(a) of Regulation AB
      under the 1933 Act and the 1934 Act, as may be amended from time to
      time.

     

    Agreement:
      This
      Indemnification and Contribution Agreement, as the same may be amended in
      accordance with the terms hereof.

     

    Certificate
      Purchase Agreement:
      The
      Purchase Agreement, dated as of [______], 200___, [among] the Depositor and
      the
      Initial Purchaser[s], relating to the Privately Offered
      Certificates.

     

    Free
      Writing Prospectus:
      Any
      written communication that constitutes a “free writing prospectus,” as defined
      in Rule 405 under the 1933 Act.

     

    GSMC:
      Goldman
      Sachs Mortgage Company, a New York limited partnership, and its successors
      and
      assigns.

     

    Indemnified
      Parties:
      As
      defined in Section 3.01.

     

    Indemnifying
      Party Information:
      (A) All information in the Prospectus Supplement, the Offering Circular,
      ABS Informational and Computational Materials, or any Free Writing Prospectus
      or
      any amendment or supplement thereto, (i) contained under the headings
      [“Transaction Overview—Parties—The Responsible Party”] and [“The Mortgage Loan
      Pool—Underwriting Guidelines”] and (ii) regarding the Mortgage Loans, the
      related Mortgagors and/or the related Mortgaged Properties (but in the case
      of
      this clause (ii), only to the extent any untrue statement or omission or arises
      from or is based upon errors or omissions in the information concerning the
      Mortgage Loans, the related Mortgagors and/or the related Mortgaged Properties,
      as applicable, provided to the Depositor or any Affiliate thereof by or on
      behalf of the Indemnifying Party or any Affiliate thereof), and (B) [and
      static pool information regarding mortgage loans originated or acquired by
      the
      Seller [and included in the Prospectus Supplement, the Offering Circular, ABS
      Informational and Computational Materials or any Free Writing Prospectus]
      [incorporated by reference from the website located at
      ______________].

     

    Offering
      Circular:
      The
      offering circular, dated [_______], 200___, relating to the private offering
      of
      the Privately Offered Certificates.

     

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

     

    Pooling
      and Servicing Agreement:
      The
      Pooling and Servicing Agreement, dated as of [_______], 200___, among the
      Depositor, the Indemnifying Party, [Servicer], as servicer, and [Trustee],
      as
      trustee.

     

    Privately
      Offered Certificates:
      [__________________], issued pursuant to the Pooling and Servicing
      Agreement.

     

    Prospectus
      Supplement:
      The
      prospectus supplement, dated [______], 200___, relating to the public
      offering of the Publicly Offered Certificates.

     

    Publicly
      Offered Certificates:
      [______________________________], issued pursuant to the Pooling and Servicing
      Agreement.

     

    Regulation
      AB:
      Subpart
      229.1100 - Asset Backed Securities (Regulation AB), 17 C.F.R.
§§229.1100-229.1123, as such may be amended from time to time, and subject to
      such clarification and interpretation as have been provided by the Commission
      in
      the adopting release (Asset-Backed Securities, Securities Act Release No.
      33-8518, 70 Fed. Reg. 1,506, 1,531 (Jan. 7, 2005)) or by the staff of the
      Commission, or as may be provided by the Commission or its staff from time
      to
      time.

     

    Underwriters:
      Goldman, Sachs & Co., a New York limited partnership, and [____________], a
      [___________] corporation, and their successors and assigns.

     

    Underwriting
      Agreement:
      The
      Underwriting Agreement, dated as of [________], 200__, [among] the Depositor
      and
      the Underwriter[s], relating to the Publicly Offered Certificates.

     

    Other
      Terms.
      Capitalized terms used but not defined herein shall have the meanings assigned
      to such terms in the Pooling and Servicing Agreement.

     

    SECTION 2.  REPRESENTATIONS
      AND WARRANTIES.
      

     

    (a)  Each
      party hereto represents and warrants that it has all requisite corporate power
      and authority to execute, deliver and perform its obligations under this
      Agreement;

     

    (b)  Each
      party hereto represents and warrants that this Agreement has been duly
      authorized, executed and delivered by such party; 

     

    (c)  Each
      party hereto represents and warrants that assuming the due authorization,
      execution and delivery by each other party hereto, this Agreement constitutes
      the legal, valid and binding obligation of such party; and

     

    (d)  The
      Indemnifying Party hereto represents that the Indemnifying Party Information
      satisfies the requirements of the applicable provisions of Regulation
      AB.

     

    SECTION 3.  INDEMNIFICATION

     

    Subsection 3.01  Indemnification
      by the Indemnifying Party of the Depositor and the Underwriters.

     

    (a)  The
      Indemnifying Party shall indemnify and hold harmless the Depositor, GSMC, [each
      of] the Underwriter[s], the Initial Purchaser[s], and their respective
      Affiliates and their respective present and former directors, officers, partners
      and each Person, if any, that controls the Depositor, GSMC, such Underwriter,
      such Initial Purchaser, or such Affiliate, within the meaning of either the
      1933
      Act or the 1934 Act (collectively, the “Indemnified
      Parties”)
      against any and all losses, claims, damages, penalties, fines, forfeitures,
      or
      liabilities, joint or several, to which each such Indemnified Party may become
      subject, under the 1933 Act, the 1934 Act or otherwise, to the extent that
      such
      losses, claims, damages, penalties, fines, forfeitures, or liabilities (or
      actions in respect thereof) arise out of or are based upon (i) any breach of
      the
      representation and warranty set forth in Section 2(d) above or (ii) any untrue
      statement of any material fact contained in the Prospectus Supplement, the
      Offering Circular, ABS Informational and Computational Materials, any Free
      Writing Prospectus or any amendment or supplement thereto, or arise out of
      or
      are based upon the omission to state therein a material fact required to be
      stated therein or necessary to make the statements therein, in light of the
      circumstances in which they were made, not misleading, to the extent that such
      untrue statement or omission relates to information set forth in the
      Indemnifying Party Information, and the Indemnifying Party shall in each case
      reimburse each Indemnified Party for any legal or other expenses reasonably
      incurred by such Indemnified Party in connection with investigating or defending
      any such loss, claim, damage, liability, penalties, fines, forfeitures, or
      action. The Indemnifying Party’s liability under this Section 3.01
      shall be
      in addition to any other liability that the Indemnifying Party may otherwise
      have.

     

    (b)  If
      the
      indemnification provided for in this Section
      3.01
      shall
      for any reason be unavailable to an Indemnified Party under this Section
      3.01,
      then
      the party which would otherwise be obligated to indemnify with respect thereto,
      on the one hand, and the parties which would otherwise be entitled to be
      indemnified, on the other hand, shall contribute to the aggregate losses,
      liabilities, claims, damages and expenses of the nature contemplated herein
      and
      incurred by the parties hereto in such proportions that are appropriate to
      reflect the relative fault of the Depositor, GSMC, the Underwriter[s], and
      the
      Initial Purchaser[s], on one hand, and the Indemnifying Party, on the other
      hand, in connection with the applicable misstatements or omissions as well
      as
      any other relevant equitable considerations. Notwithstanding the foregoing,
      no
      Person guilty of fraudulent misrepresentation (within the meaning of Section
      11(f) of the 1933 Act) shall be entitled to contribution from any Person that
      was not guilty of such fraudulent misrepresentation. For purposes of this
Section
      3.01,
      each
      director, officer, partner and controlling Person, of the Depositor, GSMC,
      the
      Underwriter[s] and the Initial Purchaser[s] and their respective Affiliates
      shall have the same rights to contribution as such Person.

     

    Subsection 3.02  Notification;
      Procedural Matters.
      Promptly after receipt by an Indemnified Party under Section
      3.01
      of
      notice of any claim or the commencement of any action, such Indemnified Party
      shall, if a claim in respect thereof is to be made against the Indemnifying
      Party under Section
      3.01,
      notify
      the Indemnifying Party (or other contributing party) in writing of the claim
      or
      the commencement of such action; provided, however, that the failure to notify
      the Indemnifying Party (or other contributing party) shall not relieve it from
      any liability which it may have under Section
      3.01
      except
      to the extent it has been materially prejudiced by such failure; and provided
      further, however, that the failure to notify the Indemnifying Party shall not
      relieve it from any liability which it may have to any Indemnified Party
      otherwise than under Section
      3.01.
      In case
      any such action is brought against any Indemnified Party and it notifies the
      Indemnifying Party of the commencement thereof, the Indemnifying Party shall
      be
      entitled to participate therein and, to the extent that, by written notice
      delivered to the Indemnified Party promptly after receiving the aforesaid notice
      from such Indemnified Party, the Indemnifying Party elects to assume the defense
      thereof, it may participate with counsel reasonably satisfactory to such
      Indemnified Party; provided, however, that if the defendants in any such action
      include both the Indemnified Party and the Indemnifying Party and the
      Indemnified Party or parties shall reasonably have concluded that there may
      be
      legal defenses available to it or them and/or other Indemnified Parties that
      are
      different from or additional to those available to the Indemnifying Party,
      the
      Indemnified Party or parties shall have the right to select separate counsel
      to
      assert such legal defenses and to otherwise participate in the defense of such
      action on behalf of such Indemnified Party or parties. Upon receipt of notice
      from the Indemnifying Party to such Indemnified Party of its election so to
      assume the defense of such action and approval by the Indemnified Party of
      such
      counsel, the Indemnifying Party shall not be liable to such Indemnified Party
      under this paragraph for any legal or other expenses subsequently incurred
      by
      such Indemnified Party in connection with the defense thereof, unless
      (i) the Indemnified Party shall have employed separate counsel (plus any
      local counsel) in connection with the assertion of legal defenses in accordance
      with the proviso to the immediately preceding sentence, (ii) the
      Indemnifying Party shall not have employed counsel reasonably satisfactory
      to
      the Indemnified Party to represent the Indemnified Party within a reasonable
      time after notice of commencement of the action or (iii) the Indemnifying
      Party shall have authorized the employment of counsel for the Indemnified Party
      at the expense of the Indemnifying Party. No party shall be liable for
      contribution with respect to any action or claim settled without its consent,
      which consent shall not be unreasonably withheld. In no event shall the
      Indemnifying Party be liable for the fees and expenses of more than one counsel
      representing
      the Indemnified Parties (in
      addition to any local counsel) separate from its own counsel for all Indemnified
      Parties in connection with any one action or separate but similar or related
      actions in the same jurisdiction arising out of the same general allegations
      or
      circumstances.

     

    SECTION 4.  GENERAL.

     

    Subsection 4.01  Survival.
      This
      Agreement and the obligations of the parties hereunder shall survive the
      purchase and sale of the Publicly Offered Certificates and the Privately Offered
      Certificates.

     

    Subsection 4.02  Successors.
      This
      Agreement shall inure to the benefit of and be binding upon the parties hereto,
      each Indemnified Party and their respective successors and assigns, and no
      other
      Person shall have any right or obligation hereunder.

     

    Subsection 4.03  Applicable
      Law.
      This
      Agreement shall be governed by and construed in accordance with the laws of
      the
      State of New York without giving effect to principles of conflict of
      laws.

     

    Subsection 4.04  Miscellaneous.
      Neither
      this Agreement nor any term hereof may be changed, waived, discharged or
      terminated except by a writing signed by the party against which enforcement
      of
      such change, waiver, discharge or termination is sought. This Agreement may
      be
      signed in any number of counterparts, each of which shall be deemed an original,
      which taken together shall constitute one and the same instrument.

     

    Subsection 4.05  Notices.
      All
      communications hereunder shall be in writing and shall be deemed to have been
      duly given when delivered to (a) in the case of the Depositor, GSMC, the
      Underwriter[s], or the Initial Purchaser[s], GS Mortgage Securities Corp.,
      Goldman Sachs Mortgage Company or Goldman, Sachs & Co., c/o Goldman, Sachs
& Co., 85 Broad Street, New York, New York 10004, Attention: Principal
      Finance Group/Christopher M. Gething, and (b) in the case of the
      Indemnifying Party: [______________], [Address], Attention:
      [____________].

     

    Subsection 4.06  Submission
      To Jurisdiction; Waivers.
      The
      Indemnifying Party hereby irrevocably and unconditionally:

     

    (A) SUBMITS
      FOR ITSELF AND ITS PROPERTY IN ANY LEGAL ACTION OR PROCEEDING RELATING TO THIS
      AGREEMENT, OR FOR RECOGNITION AND ENFORCEMENT OF ANY JUDGMENT IN RESPECT
      THEREOF, TO THE NON-EXCLUSIVE GENERAL JURISDICTION OF THE COURTS OF THE STATE
      OF
      NEW YORK, THE FEDERAL COURTS OF THE UNITED STATES OF AMERICA FOR THE SOUTHERN
      DISTRICT OF NEW YORK, AND APPELLATE COURTS FROM ANY THEREOF;

     

    (B) CONSENTS
      THAT ANY SUCH ACTION OR PROCEEDING MAY BE BROUGHT IN SUCH COURTS AND, TO THE
      EXTENT PERMITTED BY LAW, WAIVES ANY OBJECTION THAT IT MAY NOW OR HEREAFTER
      HAVE
      TO THE VENUE OF ANY SUCH ACTION OR PROCEEDING IN ANY SUCH COURT OR THAT SUCH
      ACTION OR PROCEEDING WAS BROUGHT IN AN INCONVENIENT COURT AND AGREES NOT TO
      PLEAD OR CLAIM THE SAME;

     

    (C) AGREES
      THAT SERVICE OF PROCESS IN ANY SUCH ACTION OR PROCEEDING MAY BE EFFECTED BY
      MAILING A COPY THEREOF BY REGISTERED OR CERTIFIED MAIL (OR ANY SUBSTANTIALLY
      SIMILAR FORM OF MAIL), POSTAGE PREPAID, TO ITS ADDRESS SET FORTH HEREIN OR
      AT
      SUCH OTHER ADDRESS OF WHICH THE DEPOSITOR SHALL HAVE BEEN NOTIFIED;
      AND

     

    (D) AGREES
      THAT NOTHING HEREIN SHALL AFFECT THE RIGHT TO EFFECT SERVICE OF PROCESS IN
      ANY
      OTHER MANNER PERMITTED BY LAW OR SHALL LIMIT THE RIGHT TO SUE IN ANY OTHER
      JURISDICTION.

     

    [SIGNATURE
      PAGE FOLLOWS]

    

    
      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

    

     

    IN
      WITNESS WHEREOF, the parties have executed this Agreement by their duly
      authorized officers as of the date first above written.

     

    
      	 	 	 
	 	GS MORTGAGE SECURITIES CORP.
	 
 	 
 	 
 
	
            	By:  	 
	 	
              
Name:
	 	Title:

    

     

    
      
        	 	 	 
	 	[INDEMNIFYING PARTY]
	 
 	 
 	 
 
	
              	By:  	 
	 	
                
Name:
	 	Title:

      

       

       

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

    

     

    

      ASSIGNMENT,
        ASSUMPTION AND RECOGNITION AGREEMENT

       

      THIS
        ASSIGNMENT, ASSUMPTION AND RECOGNITION AGREEMENT, dated February 28, 2007
        (“Agreement”),
        is
        among Goldman Sachs Mortgage Company (“Assignor”),
        GS
        Mortgage Securities Corp. (“Assignee”),
        and
        Impac Funding Corporation (the “Company”).

       

      NOW,
        THEREFORE, for and in consideration of good and valuable consideration the
        receipt and sufficiency of which hereby are acknowledged, and of the mutual
        covenants herein contained, the parties hereto hereby agree as
        follows:

       

      Assignment,
        Assumption and Conveyance

       

      1.  The
        Assignor hereby conveys, sells, grants, transfers and assigns to the Assignee
        all of the right, title and interest (other than those rights specifically
        retained by the Assignor pursuant to this Agreement) of the Assignor, as
        purchaser, in, to and under (a) those certain mortgage loans listed on the
        schedule (the “Mortgage
        Loan Schedule”)
        attached hereto as Exhibit A (the “Mortgage
        Loans”),
        (b)
        solely insofar as it relates to the Mortgage Loans, that certain Flow Mortgage
        Loan Purchase and Warranties Agreement, dated as of April 1, 2006 (the
“Purchase
        Agreement”),
        between the Assignor, as purchaser (in such capacity, the “Purchaser”),
        and
        the Company, as seller. The Assignor hereby agrees that it will (i) deliver
        possession of notes evidencing the Mortgage Loans to, or at the direction
        of,
        the Assignee or its designee and (ii) take in a timely manner all necessary
        steps under all applicable laws to convey and to perfect the conveyance of
        the
        Mortgage Loans as required under the Pooling Agreement (as defined
        below).

       

      The
        Assignor specifically reserves and does not assign to the Assignee hereunder
        (i) any and all right, title and interest in, to and under and any
        obligations of the Assignor with respect to any mortgage loans subject to
        the
        Purchase Agreement that are not the Mortgage Loans set forth on the Mortgage
        Loan Schedule and are not the subject of this Agreement or (ii) the rights
        of the Purchaser under Section 13 and Subsection 14.01 of the Purchase
        Agreement.

       

      The
        Assignee hereby assumes all of the Assignor’s obligations from and after the
        date hereof under the Mortgage Loans and the Purchase Agreement solely insofar
        as such obligations relate to the Mortgage Loans. The Assignee does not assume
        hereby such obligations of Assignor prior to the date hereof.

       

      Recognition
        of the Company

       

      2.  From
        and
        after the date hereof (the “Securitization
        Closing Date”),
        the
        Company shall and does hereby recognize that the Assignee will transfer the
        Mortgage Loans and assign its rights under the Purchase Agreement (solely
        to the
        extent set forth herein) and this Agreement to Deutsche Bank National Trust
        Company, as trustee (including its successors in interest and any successor
        trustees under the Pooling Agreement (as defined below), the “Trustee”),
        of
        the GSAA Home Equity Trust 2007-S1 (the “Trust”)
        created pursuant to a Pooling and Servicing Agreement, dated as of February
        1,
        2007 (the “Pooling
        Agreement”),
        among
        the Assignee, the Trustee, U.S. Bank National Association, as a custodian
        (including its successors in interest and any successor custodians of the
        Mortgage Loans under the Pooling Agreement, the “Custodian”),
        Wells
        Fargo Bank, N.A., as master servicer (including its successors in interest
        and
        any successor master servicers under the Pooling Agreement, the “Master
        Servicer”),
        Ocwen
        Loan Servicing, LLC, as a servicer of the Mortgage Loans (including its
        successors in interest and any successor servicers of the Mortgage Loans
        under
        the Pooling Agreement, “Ocwen”),
        Specialized Loan Servicing LLC, as a servicer of the Mortgage Loans (including
        its successors in interest and any successor servicers of the Mortgage Loans
        under the Pooling Agreement, “SLS”),
        and
        Avelo Mortgage, L.L.C., as a servicer of the Mortgage Loans (including its
        successors in interest and any successor servicers of the Mortgage Loans
        under
        the Pooling Agreement, “Avelo”
and
        collectively with Ocwen and SLS, the “Servicers”).
        The
        Company hereby acknowledges and agrees that from and after the date hereof
        (i)
        the Trust will be the owner of the Mortgage Loans and Ocwen, SLS and Avelo
        will
        be the Servicers of the Mortgage Loans on or after the Transfer Date pursuant
        to
        the terms set forth in the Pooling Agreement, (ii) the Company shall look
        solely
        to the Trust (including the Trustee, the Custodian, the Master Servicer and
        the
        Servicers acting on the Trust’s behalf) for performance of any obligations of
        the Assignor under the Mortgage Loans and the Purchase Agreement (solely
        insofar
        as they relate to the Mortgage Loans), (iii) the Trust (including the Trustee,
        the Custodian, the Master Servicer and the Servicers acting on the Trust’s
        behalf) shall have all the rights and remedies available to the Assignor,
        insofar as they relate to the Mortgage Loans, under the Purchase Agreement,
        including, without limitation, the enforcement of the document delivery
        requirements set forth in Subsection 6.03 of the Purchase Agreement, and
        shall
        be entitled to enforce all of the obligations of the Company thereunder insofar
        as they relate to the Mortgage Loans, including without limitation, the remedies
        for breaches of representations and warranties set forth in Subsection 9.03
        of
        the Purchase Agreement and (iv) all references to the Purchaser, the Trustee
        or
        the Custodian under the Purchase Agreement as they relate to the Mortgage
        Loans
        shall be deemed to refer to the Trust (including the Trustee, the Custodian,
        the
        Master Servicer and the Servicers acting on the Trust’s behalf). Neither the
        Company nor the Assignor shall amend or agree to amend, modify, waive, or
        otherwise alter any of the terms or provisions of the Purchase Agreement
        which
        amendment, modification, waiver or other alteration would in any way affect
        the
        Mortgage Loans or the Company’s performance under the Purchase Agreement with
        respect to the Mortgage Loans without the prior written consent of the Trustee
        and the Certificate Insurer.

       

      Representations
        and Warranties of the Company

       

      3.  The
        Company warrants and represents to and covenants with, the Assignor, the
        Assignee and the Trust as of the date hereof that:

       

      (a)  The
        Company is duly organized, validly existing and in good standing under the
        laws
        of the jurisdiction of its formation;

       

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

       

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

       

      (d)  There
        is
        no action, suit, proceeding or investigation pending or threatened against
        the
        Company, before any court, administrative agency or other tribunal, which
        would
        draw into question the validity of this Agreement or the Purchase Agreement,
        or
        which, either in any one instance or in the aggregate, is likely to result
        in
        any material adverse change in the ability of the Company to perform its
        obligations under this Agreement or the Purchase Agreement, and the Company
        is
        solvent.

       

      4.  Pursuant
        to Section 13 of the Purchase Agreement, the Company hereby represents and
        warrants, for the benefit of the Assignor, the Assignee and the Trust, that
        the
        Non-Servicing Related Representations and Warranties set forth in Subsections
        9.01 and 9.02 of the Purchase Agreement are true and correct as of the Closing
        Date (as defined in the Purchase Agreement) and the Servicing-Related
        Representations and Warranties are true and correct as of June
        1,
        2006.

       

      Remedies
        for Breach of Representations and Warranties of the Company 

       

      5.  (a)
        The
        Company hereby acknowledges and agrees that the remedies available to the
        Assignor, the Assignee and the Trust (including the Trustee, the Custodian,
        the
        Master Servicer and the Servicers acting on the Trust’s behalf) in connection
        with any breach of the representations and warranties made by the Company
        set
        forth in Sections 3 and 4 hereof shall be as set forth in Subsection 9.03
        of the
        Purchase Agreement as if they were set forth herein (including without
        limitation the repurchase and indemnity obligations set forth therein, including
        its obligation to repurchase any Mortgage Loan in breach of the representations
        in clauses (g), (i), (uu), (ww), (xx), (yy), (iii), (jjj), (kkk), (lll) and
        (mmm) of Subsection 9.02 of the Purchase Agreement within not more than 30
        days
        of such discovery or receipt of notice of such breach).

       

      (b)
        Notwithstanding anything to the contrary contained herein or in the Purchase
        Agreement, the fourth sentence of the second full paragraph of Subsection
        9.03
        of the Purchase Agreement is hereby deleted and replaced in its entirety
        with
        the following sentence:

       

      “However,
        if the breach shall involve a representation or warranty set forth in Subsection
        9.02 (other than the representations and warranties set forth in clauses
        (g),
        (i), (uu), (ww), (xx), (yy), (iii), (jjj), (kkk), (lll) and (mmm) of
Subsection
        9.02)
        and the
        Seller discovers or receives notice of any such breach within 120 days of
        the
        related Closing Date, the Seller shall, at the Purchaser’s option and provided
        that the Seller has a Qualified Substitute Mortgage Loan, rather than repurchase
        the Mortgage Loan as provided above, remove such Mortgage Loan (a “Deleted
        Mortgage Loan”)
        and
        substitute in its place a Qualified Substitute Mortgage Loan or Loans, provided
        that any such substitution shall be effected not later than 120 days after
        the
        related Closing Date.” 

       

      6.  The
        Company hereby acknowledges and agrees that the remedies available to the
        Assignor, the Assignee and the Trust (including the Trustee, the Custodian,
        the
        Master Servicer and the Servicers acting on the Trust’s behalf) in connection
        with any breach of the representations and warranties made by the Company
        set
        forth in Sections 3 and 4 hereof shall be as set forth in Subsection 9.03
        of the
        Purchase Agreement as if they were set forth herein (including without
        limitation the repurchase and indemnity obligations set forth
        therein).

       

      Representations
        and Warranties of the Assignor

       

      7.  The
        Assignor warrants and represents to the Assignee and the Trust (including
        the
        Trustee, the Custodian, the Master Servicer and the Servicers acting on the
        Trust’s behalf) as of the date hereof that, with respect to each Mortgage
        Loan:

       

      (a)  Bring
        Down.
        To the
        Assignor’s knowledge, nothing has occurred or failed to occur from and after
        June 1, 2006 to the Securitization Closing Date that would cause any of the
        Servicing-Related Representations and Warranties relating to the applicable
        Mortgage Loans set forth in Subsection 9.02 of such Purchase Agreement to
        be
        incorrect in any material respects as of the date hereof as if made on the
        date
        hereof. To the Assignor’s knowledge, nothing has occurred or failed to occur
        from and after the Closing Date (as defined in the Purchase Agreement) to
        the
        Securitization Closing Date that would cause any of the Non-Servicing Related
        Representations and Warranties relating to the applicable Mortgage Loans
        set
        forth in Subsection 9.02 of such Purchase Agreement to be incorrect in any
        material respects as of the date hereof as if made on the date
        hereof;

       

      (b)  The
        Assignor is the sole owner of record and holder of the Mortgage Loan and
        the
        indebtedness evidenced by each Mortgage Note. The Mortgage Loan is not assigned
        or pledged, and the Assignor has good, indefeasible and marketable title
        thereto, and has full right to transfer and sell the Mortgage Loan to the
        Assignee free and clear of any encumbrance, equity, participation interest,
        lien, pledge, charge, claim or security interest, and has full right and
        authority subject to no interest or participation of, or agreement with,
        any
        other party, to sell and assign each Mortgage Loan pursuant to this Agreement
        and following the sale of each Mortgage Loan, the Assignee will own such
        Mortgage Loan free and clear of any encumbrance, equity, participation interest,
        lien, pledge, charge, claim or security interest. The Assignor intends to
        relinquish all rights to possess, control and monitor the Mortgage Loan;
        

       

      (c)  The
        Assignor has not waived the performance by the Mortgagor of any action, if
        the
        Mortgagor’s failure to perform such action would cause the Mortgage Loan to be
        in default, nor has the Company waived any default resulting from any action
        or
        inaction by the Mortgagor;

       

      (d)  Any
        and
        all requirements of any federal, state or local law including, without
        limitation, usury, truth-in-lending, real estate settlement procedures, consumer
        credit protection, equal credit opportunity and disclosure laws applicable
        to
        the Mortgage Loans have been complied with, including, but not limited to,
        all
        applicable anti-predatory and abusive lending laws;

       

      (e)  No
        Mortgage Loan is a High Cost Loan or Covered Loan, as applicable. No Mortgage
        Loan is covered by the Home Ownership and Equity Protection Act of 1994 and
        no
        Mortgage Loan is in violation of any comparable state or local law. No Mortgage
        Loan originated on or after October 1, 2002 through March 6, 2003 is governed
        by
        the Georgia Fair Lending Act.

       

      For
        the
        purposes of this Section 7(d) the following definitions shall
        apply:

       

      Covered
        Loan:
        A
        Mortgage Loan categorized as Covered pursuant to Appendix E of Standard &
Poor’s Glossary.

       

      Home
        Loan:
        A
        Mortgage Loan categorized as Home Loan pursuant to Appendix E of Standard
&
Poor’s Glossary.

       

      Standard
        & Poor’s Glossary:
        Version
        5.7 of the Standard & Poor’s LEVELS® Glossary, or such version as may be in
        effect from time to time.

       

      High
        Cost Loan:
        A
        Mortgage Loan (a) covered by the Home Ownership and Equity Protection Act
        of
        1994, (b) a “high cost home,” “threshold,” “covered,” (excluding New Jersey
“Covered Home Loans” as that term is defined in clause (1) of the
        definition of that term in the New Jersey Home Ownership Security Act of
        2002),
“high risk home,” “predatory” or similar loan under any other applicable state,
        federal or local law (or a similarly classified loan using different terminology
        under a law imposing heightened regulatory scrutiny or additional legal
        liability for residential mortgage loans having high interest rates, points
        and/or fees) or (c) categorized as High Cost pursuant to Appendix E of Standard
        & Poor’s Glossary. For avoidance of doubt, the parties agree that this
        definition shall apply to any law regardless of whether such law is presently,
        or in the future becomes, the subject of judicial review or litigation;
        and

       

      (f)  None
        of
        the Mortgage Loans has a Prepayment Penalty period in excess of five
        years.

       

      Remedies
        for Breach of Representations and Warranties of the Assignor

       

      8.  The
        Assignor hereby acknowledges and agrees that in the event of any breach of
        the
        representations and warranties made by the Assignor set forth in Section
        7
        hereof that materially and adversely affects the value of the Mortgage Loans
        or
        the interest of the Assignee or the Trust therein within 60 days of the earlier
        of either discovery by or notice to the Assignor of such breach of a
        representation or warranty, it shall cure, purchase or cause the purchase
        of the
        applicable Mortgage Loan at the Repurchase Price set forth in the Pooling
        Agreement.

      

       

      Enforcement
        of Representations and Warranties of the Company

       

      9.  The
        Assignor hereby agrees to use its best efforts to enforce the remedies for
        a
        breach of the representations and warranties of the Company set forth in
        Section 5 herein.

       

      Miscellaneous
        

       

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

       

      11.  No
        term
        or provision of this Agreement may be waived or modified unless such waiver
        or
        modification is in writing and signed by the party against whom such waiver
        or
        modification is sought to be enforced, with the prior written consent of
        the
        Trustee and the Certificate Insurer.

       

      12.  This
        Agreement shall inure to the benefit of (i) the successors and assigns of
        the
        parties hereto, (ii) the Trust (including the Trustee, the Custodian, the
        Master
        Servicer and the Servicers acting on the Trust’s behalf) and (iii) the
        Certificate Insurer. Any entity into which the Assignor, Assignee or Company
        may
        be merged or consolidated shall, without the requirement for any further
        writing, be deemed Assignor, Assignee or Company, respectively,
        hereunder.

       

      13.  Each
        of
        this Agreement and the Purchase Agreement shall survive the conveyance of
        the
        Mortgage Loans and the assignment of the Purchase Agreement (to the extent
        assigned hereunder) by the Assignor to the Assignee and by the Assignee to
        the
        Trust and, except as expressly set forth herein, nothing contained herein
        shall
        supersede or amend the terms of the Purchase Agreement.

       

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

       

      15.  In
        the
        event that any provision of this Agreement conflicts with any provision of
        the
        Purchase Agreement with respect to the Mortgage Loans, the terms of this
        Agreement shall control.

       

      16.  Capitalized
        terms used in this Agreement (including the exhibits hereto) but not defined
        in
        this Agreement shall have the meanings given to such terms in the Purchase
        Agreement.

       

      [SIGNATURE
        PAGE FOLLOWS]

       

       

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

      
 

      IN
        WITNESS WHEREOF, the parties have caused this Agreement to be executed by
        their
        duly authorized officers as of the date first above written.

       

      
        	 	 	 
	 	GS
                MORTGAGE
                SECURITIES CORP.
	 
 	 
 	 
 
	 	By:  	/s/ Michelle
                Gill
	 	
                
Name:
                Michelle Gill
	 	Title:
                Vice President

      

       

      
        	 	 	 
	 	
                GOLDMAN
                  SACHS MORTGAGE COMPANY,

                a
                  New York limited partnership

              
	 
 	 
 	 
 
	 	By:  	
                GOLDMAN
                  SACHS REAL ESTATE FUNDING CORP., 

                a
                  New York corporation, as general partner

              
	 	 	 
	 	By:  	 
	 	
                
Name:

	 	Title:
                

      

       

      
        	 	 	 
	 	IMPAC
                FUNDING
                CORPORATION
	 
 	 
 	 
 
	 	By:  	 
	 	
                
Name:
	 	Title:

      

       

       

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

       

      
 

      EXHIBIT
        A

       

      Mortgage
        Loan Schedule

       

       

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

    

    
 

    EXHIBIT
      Q-5

     

    ACCREDITED
      AGREEMENTS

     

    

      AMENDED
        AND RESTATED FLOW MORTGAGE LOAN PURCHASE AND 

      WARRANTIES
        AGREEMENT

       

      This
        AMENDED AND RESTATED FLOW MORTGAGE LOAN PURCHASE AND WARRANTIES AGREEMENT,
        dated
        as of December 1, 2005 (“Agreement”),
        by
        and between Goldman Sachs Mortgage Company, a New York limited partnership,
        having an office at 85 Broad Street, New York, New York 10004 (the “Purchaser”)
        and
        Accredited Home Lenders, Inc., a California corporation, having an office
        at
        15030 Avenue of Science, #100, San Diego, CA 92128 (the “Seller”).

       

      W
        I T N E S S E T H:

       

      WHEREAS,
        the Purchaser and the Seller are parties to that certain Flow Mortgage Loan
        Purchase and Warranties Agreement, dated as of August 1, 2003, as amended
        by
        Amendment No. 1, dated as of July 15, 2004, and Amendment No. 2, dated as
        of
        February 1, 2005 (the “Original
        Purchase Agreement”)
        and
        from time to time the Seller desires to sell to the Purchaser, and, from
        time to
        time, the Purchaser desires to purchase from the Seller, certain first and
        second lien, adjustable and fixed rate residential mortgage loans (the
“Mortgage
        Loans”)
        on a
        servicing released basis as described herein, and which shall be delivered
        as
        pools of whole loans;

       

      WHEREAS,
        at the present time, the Purchaser and the Seller desire to amend the Original
        Purchase Agreement to make certain modifications as set forth herein with
        respect to all Mortgage Loans acquired pursuant to this Agreement.

       

      NOW,
        THEREFORE, in consideration of the premises and mutual agreements set forth
        herein, and for other good and valuable consideration, the receipt and
        sufficiency of which are hereby acknowledged, the Purchaser and the Seller
        agree
        as follows:

       

      SECTION
        1.  Definitions.

       

      For
        purposes of this Agreement the following capitalized terms shall have the
        respective meanings set forth below. 

       

      Accepted
        Servicing Practices:
        With
        respect to any Mortgage Loan those mortgage servicing practices of prudent
        mortgage lending institutions which service mortgage loans of the same type
        as
        such Mortgage Loan in the jurisdiction where the related Mortgaged Property
        is
        located.

       

      Act:
        The
        National Housing Act, as amended from time to time.

       

      Adjustable
        Rate Mortgage Loan:
        A
        Mortgage Loan purchased pursuant to this Agreement the Mortgage Interest
        Rate of
        which is adjusted from time to time in accordance with the terms of the related
        Mortgage Note.

       

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

       

      Agreement:
        This
        Amended and Restated Flow Mortgage Loan Purchase and Warranties Agreement
        and
        all amendments hereof and supplements hereto.

       

      ALTA:
        The
        American Land Title Association, or any successor thereto.

       

      Appraised
        Value:
        The
        value of the related Mortgaged Property based upon the appraisal made for
        the
        originator at the time of origination of the Mortgage Loan or the sales price
        of
        the Mortgaged Property if purchased at or within twelve months prior to such
        time of origination, whichever is less.

       

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

       

      Authorized
        Signatory:
        Any of
        (i) Managing Director, (ii) Manager, Funded Asset Management or (iii)
        Supervisor, Collateral Management.

       

      Business
        Day:
        Any day
        other than (i) a Saturday or Sunday or (ii) a day on which banking and
        savings and loan institutions in (a) the State of New York, (b) the state
        in
        which the Seller’s servicing operations are located or (c) the State in
        which the Custodian’s operations are located, are authorized or obligated by law
        or executive order to be closed.

       

      Closing
        Date:
        The
        date or dates set forth on the related Purchase Price and Terms Agreement
        on
        which the Purchaser from time to time shall purchase and the Seller from
        time to
        time shall sell, the Mortgage Loans listed on the related Mortgage Loan
        Schedule

       

      CLTV:
        As of
        the date of origination and as to any Second Lien Mortgage Loan, the ratio,
        expressed as a percentage, of the (a) sum of (i) the outstanding principal
        balance of the Second Lien Mortgage Loan as of the date of origination and
        (ii)
        the outstanding principal balance as of the date of origination of any mortgage
        loan or mortgage loans that are senior or equal in priority to the Second
        Lien
        Mortgage Loan and which are secured by the same Mortgaged Property to (b)
        the
        Appraised Value.

       

      Code:
        Internal Revenue Code of 1986, as amended.

       

      Commission:
        The
        United States Securities and Exchange Commission.

       

      Condemnation
        Proceeds: All
        awards or settlements in respect of a Mortgaged Property, whether permanent
        or
        temporary, partial or entire, by exercise of the power of eminent domain
        or
        condemnation, to the extent not required to be released to a Mortgagor in
        accordance with the terms of the related Mortgage Loan Documents.

       

      Convertible
        Mortgage Loan:
        Any
        individual Adjustable Rate Mortgage Loan purchased pursuant to this Agreement
        which contains a provision whereby the Mortgagor is permitted to convert
        the
        Adjustable Rate Mortgage Loan to a Fixed Rate Mortgage Loan in accordance
        with
        the terms of the related Mortgage Note.

       

      Covered
        Loan:
        A
        Mortgage Loan categorized as Covered pursuant to Appendix E of Standard &
Poor’s Glossary.

       

      Credit
        File:
        The
        items pertaining to a particular Mortgage Loan referred to in Exhibit B
        annexed
        hereto, and any additional documents required to be added to the Credit File
        pursuant to this Agreement.

       

      Custodial
        Account:
        The
        separate account or accounts created and maintained pursuant to the Servicing
        Agreement.

       

      Custodial
        Agreement:
        That
        certain Custodial Agreement, by and between the Purchaser and the Custodian,
        set
        forth in the related Purchase Price and Term Agreement, governing the retention
        of the originals of each Mortgage Note, Mortgage, Assignment of Mortgage
        and
        other Mortgage Loan Documents.

       

      Custodian:
        The
        custodian set forth in the related Purchase Price and Terms Agreement, or
        any
        successor thereto under the Custodial Agreement.

       

      Cut-off
        Date:
        The
        date set forth on the related Purchase Price and Terms Agreement.

       

      Deleted
        Mortgage Loan:
        A
        Mortgage Loan that is repurchased by the Seller in accordance with the terms
        of
        this Agreement.

       

      Depositor:
        The
        depositor, as such term is defined in Regulation AB, with respect to any
        Securitization Transaction.

       

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

       

      Due
        Date:
        The day
        of the month on which the Monthly Payment is due on a Mortgage Loan, exclusive
        of any days of grace.

       

      Escrow
        Payments:
        With
        respect to any Mortgage Loan, the amounts constituting ground rents, taxes,
        assessments, water rates, sewer rents, municipal charges, mortgage insurance
        premiums, fire and hazard insurance premiums, condominium charges, and any
        other
        payments required to be escrowed by the Mortgagor with the mortgagee pursuant
        to
        the Mortgage or any other document.

       

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

       

      Fannie
        Mae:
        Fannie
        Mae, or any successor thereto.

       

      Fannie
        Mae Guides:
        The
        Fannie Mae Selling Guide and the Fannie Mae Servicing Guide and all amendments
        or additions thereto.

       

      FDIC:
        Federal
        Deposit Insurance Corporation, or any successor thereto.

       

      Fitch:
        Fitch
        Ratings, or any successor thereto.

       

      First
        Lien Loan:
        Any
        Mortgage Loan secured by a first lien Mortgage on the related Mortgaged
        Property.

       

      Fixed
        Rate Mortgage Loan:
        A fixed
        rate mortgage loan purchased pursuant to this Agreement.

       

      Freddie
        Mac:
        Freddie
        Mac, or any successor thereto.

       

      Gross
        Margin:
        With
        respect to each Adjustable Rate Mortgage Loan, the fixed percentage amount
        set
        forth in the related Mortgage Note which amount is added to the Index in
        accordance with the terms of the related Mortgage Note to determine on each
        Interest Rate Adjustment Date the Mortgage Interest Rate for such Mortgage
        Loan.

       

      High
        Cost Loan:
        A
        Mortgage Loan (a) covered by the Home Ownership and Equity Protection Act
        of
        1994, (b) classified as a “high cost home,” “threshold,” “covered,” “high risk
        home,” “predatory” or similar loan under any other applicable state, federal or
        local law (or a similarly classified loan using different terminology under
        a
        law imposing heightened regulatory scrutiny or additional legal liability
        for
        residential mortgage loans having high interest rates, points and/or fees)
        or
        (c) categorized as High Cost pursuant to Appendix E of Standard & Poor’s
        Glossary. 

       

      Home
        Loan:
        A
        Mortgage Loan categorized as Home Loan pursuant to Appendix E of Standard
&
Poor’s Glossary.

       

      HUD:
        The
        Department of Housing and Urban Development, or any federal agency or official
        thereof which may from time to time succeed to the functions
        thereof.

       

      Index:
        With
        respect to each Adjustable Rate Mortgage Loan, a rate per annum set forth
        on the
        related Mortgage Loan Schedule.

       

      Insurance
        Proceeds:
        With
        respect to each Mortgage Loan, proceeds of insurance policies insuring the
        Mortgage Loan or the related Mortgaged Property.

       

      Interest
        Rate Adjustment Date:
        With
        respect to each Adjustable Rate Mortgage Loan, the date, specified in the
        related Mortgage Note and the related Mortgage Loan Schedule, on which the
        Mortgage Interest Rate is adjusted.

       

      Interim
        Funder:
        With
        respect to each MERS Designated Mortgage Loan, the Person named on the MERS®
System as the interim funder pursuant to the MERS Procedures
        Manual.

       

      Investor:
        With
        respect to each MERS Designated Mortgage Loan, the Person named on the MERS®
System as the investor pursuant to the MERS Procedures Manual.

       

      Lifetime
        Rate Cap:
        The
        provision of each Mortgage Note related to an Adjustable Rate Mortgage Loan
        which provides for an absolute maximum Mortgage Interest Rate thereunder.
        The
        Mortgage Interest Rate during the term of each Adjustable Rate Mortgage Loan
        shall not at any time exceed the Mortgage Interest Rate at the time of
        origination of such Adjustable Rate Mortgage Loan by more than the amount
        per
        annum set forth on the related Mortgage Loan Schedule.

       

      Limited
        Documentation Program:
        The
        guidelines under which the Seller generally originates Mortgage Loans
        principally on the basis of the Loan-to-Value Ratio of the related Mortgage
        Loan
        and the creditworthiness of the Mortgagor.

       

      Liquidation
        Proceeds:
        Cash
        received in connection with the liquidation of a defaulted Mortgage Loan,
        whether through the sale or assignment of such Mortgage Loan, trustee’s sale,
        foreclosure sale or otherwise or the sale of the related Mortgaged Property
        if
        the Mortgaged Property is acquired in satisfaction of the Mortgage
        Loan.

       

      Loan-to-Value
        Ratio
        or
LTV:
        With
        respect to any Mortgage Loan, the ratio (expressed as a percentage) of the
        outstanding principal amount of the Mortgage Loan as of the related origination
        date (unless otherwise indicated), to the Appraised Value of the Mortgaged
        Property.

       

      MERS:
        Mortgage Electronic Registration Systems, Inc., its successors and
        assigns.

       

      MERS
        Designated Mortgage Loan:
        Mortgage Loans for which (a) the Seller has designated or will designate
        MERS as, and has taken or will take such action as is necessary to cause
        MERS to
        be, the mortgagee of record, as nominee for the Seller, in accordance with
        MERS
        Procedure Manual and (b) the Seller has designated or will designate the
        Custodian as the Investor on the MERS® System.

       

      MERS
        Procedure Manual:
        The
        MERS Procedures Manual, as it may be amended, supplemented or otherwise modified
        from time to time.

       

      MERS
        Report:
        The
        report from the MERS System listing MERS Designated Mortgage Loans and other
        information.

       

      MERS®
        System:
        MERS
        mortgage electronic registry system, as more particularly described in the
        MERS
        Procedures Manual.

       

      Monthly
        Payment:
        The
        scheduled monthly payment of principal and interest on a Mortgage
        Loan.

       

      Moody’s:
        Moody’s
        Investors Service, Inc., and its successors in interest.

       

      Mortgage:
        The
        mortgage, deed of trust or other instrument securing a Mortgage Note, which
        creates a first or second lien on an unsubordinated estate in fee simple
        in real
        property securing the Mortgage Note; except that with respect to real property
        located in jurisdictions in which the use of leasehold estates for residential
        properties is a widely-accepted practice, the mortgage, deed of trust or
        other
        instrument securing the Mortgage Note may secure and create a first or second
        lien upon a leasehold estate of the Mortgagor.

       

      Mortgage
        File:
        The
        items pertaining to a particular Mortgage Loan referred to in Exhibit A
        annexed
        hereto, and any additional documents required to be added to the Mortgage
        File
        pursuant to this Agreement.

       

      Mortgage
        Interest Rate:
        The
        annual rate of interest borne on a Mortgage Note with respect to each Mortgage
        Loan.

       

      Mortgage
        Loan:
        An
        individual Mortgage Loan which is the subject of this Agreement, each Mortgage
        Loan originally sold and subject to this Agreement being identified on the
        related Mortgage Loan Schedule, which Mortgage Loan includes without limitation
        the Mortgage File, the Credit File, the Servicing File, the Monthly Payments,
        Principal Prepayments, Liquidation Proceeds, Condemnation Proceeds, Insurance
        Proceeds, Servicing Rights, Prepayment Penalties, and all other rights,
        benefits, proceeds and obligations arising from or in connection with such
        Mortgage Loan, excluding replaced or repurchased mortgage loans.

       

      Mortgage
        Loan Documents:
        The
        documents required to be delivered to the Custodian pursuant to Section
        6.03
        hereof
        with respect to any Mortgage Loan.

       

      Mortgage
        Loan Package:
        A pool
        of Mortgage Loans sold to the Purchaser by the Seller on a Closing
        Date.

       

      Mortgage
        Loan Schedule:
        With
        respect to each Mortgage Loan Package, a schedule of Mortgage Loans annexed
        to
        the related Assignment and Conveyance as Exhibit
        1,
        setting
        forth the information attached hereto as Exhibit
        C.
        

       

      Mortgage
        Note:
        The
        note or other evidence of the indebtedness of a Mortgagor secured by a
        Mortgage.

       

      Mortgaged
        Property:
        The
        real property (or leasehold estate, if applicable) securing repayment of
        the
        debt evidenced by a Mortgage Note.

       

      Mortgagor:
        The
        obligor on a Mortgage Note.

       

      Officer’s
        Certificate:
        A
        certificate signed by the Chairman of the Board or the Vice Chairman of the
        Board or a President or a Vice President and by the Treasurer or the Secretary
        or one of the Assistant Treasurers or Assistant Secretaries of the Seller,
        and
        delivered to the Purchaser as required by this Agreement.

       

      Opinion
        of Counsel:
        A
        written opinion of counsel, who may be an employee of the Seller, reasonably
        acceptable to the Purchaser.

       

      Periodic
        Rate Cap:
        With
        respect to each Adjustable Rate Mortgage Loan, the provision of each Mortgage
        Note which provides for an absolute maximum amount by which the Mortgage
        Interest Rate therein may increase or decrease on an Interest Rate Adjustment
        Date above or below the Mortgage Interest Rate previously in effect.

       

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

       

      Preliminary
        Mortgage Schedule:
        As
        defined in Section 3.

       

      Prepayment
        Penalty:
        With
        respect to each Mortgage Loan, the fee, if any, payable upon the prepayment,
        in
        whole or in part, of such Mortgage Loan, as set forth in the related Mortgage
        Note.

       

      Principal
        Prepayment:
        Any
        payment or other recovery of principal on a Mortgage Loan which is received
        in
        advance of its scheduled Due Date, including any Prepayment Penalty or premium
        thereon and which is not accompanied by an amount of interest representing
        scheduled interest due on any date or dates in any month or months subsequent
        to
        the month of prepayment.

       

      Purchase
        Price:
        The
        price paid on the related Closing Date by the Purchaser to the Seller in
        exchange for the Mortgage Loans in the related Mortgage Loan Package as
        calculated in Section 4
        of this
        Agreement.

       

      Purchase
        Price and Terms Agreement:
        With
        respect to each purchase of a Mortgage Loan Package hereunder, that certain
        letter agreement setting forth the general terms and conditions of such
        transaction consummated herein and identifying the Mortgage Loans to be
        purchased hereunder, by and between the Seller and the Purchaser.

       

      Purchaser:
        Goldman
        Sachs Mortgage Company, a New York limited partnership, and its successors
        in
        interest and assigns, and any successor to the Purchaser under this Agreement
        as
        herein provided.

       

      Qualified
        Correspondent:
        Any
        Person from which the Seller purchased Mortgage Loans, provided that the
        following conditions are satisfied: (i) such Mortgage Loans were originated
        pursuant to an agreement between the Seller and such Person that contemplated
        that such Person would underwrite mortgage loans from time to time, for sale
        to
        the Seller, in accordance with underwriting guidelines designated by the
        Seller
        (“Designated
        Guidelines”)
        or
        guidelines that do not vary materially from such Designated Guidelines; (ii)
        such Mortgage Loans were in fact underwritten as described in clause (i)
        above
        and were acquired by the Seller within 180 days after origination; (iii)
        either
        (x) the Designated Guidelines were, at the time such Mortgage Loans were
        originated, used by the Seller in origination of mortgage loans of the same
        type
        as the Mortgage Loans for the Seller’s own account or (y) the Designated
        Guidelines were, at the time such Mortgage Loans were underwritten, designated
        by the Seller on a consistent basis for use by lenders in originating mortgage
        loans to be purchased by the Seller; and (iv) the Seller employed, at the
        time
        such Mortgage Loans were acquired by the Seller, pre

       

      Rating
        Agency:
        Any of
        Fitch, Moody’s or Standard & Poor’s, or their respective successors
        designated by the Purchaser.

       

      Reconstitution:
        Any
        Securitization Transaction or Whole Loan Transfer.

       

      Reconstitution
        Agreements:
        The
        agreement or agreements entered into by the Seller and the Purchaser and/or
        certain third parties on the Reconstitution Date or Dates with respect to
        any or
        all of the Mortgage Loans sold hereunder, in connection with a Whole Loan
        Transfer, Agency Transfer or a Securitization Transaction pursuant to Section
        12.

       

      Reconstitution
        Date:
        As
        defined in Section 12.

       

      Regulation
        AB:
        Subpart
        229.1100 - Asset Backed Securities (Regulation AB), 17 C.F.R. §§ 229.1100
        229.1123, as such may be amended from time to time, and subject to such
        clarification and interpretation as have been provided by the Commission
        in the
        adopting release (Asset Backed Securities, Securities Act Release No. 33
        8518,
        70 Fed. Reg. 1,506, 1,531 (Jan. 7, 2005)) or by the staff of the Commission,
        or
        as may be provided by the Commission or its staff from time to
        time.

       

      Repurchase
        Price:
        With
        respect to any Mortgage Loan, a price equal to (a) the then outstanding
        principal balance of the Mortgage Loan to be repurchased, plus (b) accrued
        interest thereon at the Mortgage Interest Rate from the date on which interest
        had last been paid through the date of such repurchase, plus (c) the amount
        of
        any outstanding advances owed to and reasonably incurred by any servicer,
        and
        plus (d) all costs and expenses reasonably incurred by the Purchaser or any
        servicer arising out of or based upon such breach, including without limitation
        costs and expenses incurred in the enforcement of the Seller's repurchase
        obligation hereunder, plus (e) any costs and damages incurred by the related
        trust with respect to any securitization of the Mortgage Loan in connection
        with
        any violation by such Mortgage Loan of any predatory- or abusive-lending
        law.

       

      RESPA:
        Real
        Estate Settlement Procedures Act, as amended from time to time.

       

      Second
        Lien Mortgage Loan:
        A
        Mortgage Loan secured by a second lien Mortgage on the related Mortgaged
        Property.

       

      Securities
        Act:
        The
        Securities Act of 1933, as amended.

       

      Securitization
        Transaction:
        Any
        transaction involving either (1) a sale or other transfer of some or all
        of the
        Mortgage Loans directly or indirectly to an issuing entity in connection
        with an
        issuance of publicly offered or privately placed, rated or unrated mortgage
        backed securities or (2) an issuance of publicly offered or privately placed,
        rated or unrated securities, the payments on which are determined primarily
        by
        reference to one or more portfolios of residential mortgage loans consisting,
        in
        whole or in part, of some or all of the Mortgage Loans.

       

      Seller:
        Accredited Home Lenders, Inc., a California corporation and its successors
        in
        interest.

       

      Seller
        Information:
        As
        defined in Subsection 32.04(a).

       

      Servicing
        Agreement:
        The
        Amended and Restated Flow Interim Servicing Agreement dated as of May 4,
        2005,
        between the Purchaser and the Seller, providing for the Seller to service
        the
        Mortgage Loans, as specified therein.

       

      Servicing
        Rights:
        Any and
        all of the following: (a) any and all rights to service the Mortgage Loans;
        (b)
        any payments to or monies received by the Seller for servicing the Mortgage
        Loans; (c) any late fees, penalties or similar payments with respect to the
        Mortgage Loans but not including any Prepayment Penalties; (d) all agreements
        or
        documents creating, defining or evidencing any such servicing rights to the
        extent they relate to such servicing rights and all rights of the Seller
        thereunder; (e) Escrow Payments or other similar payments with respect to
        the
        Mortgage Loans and any amounts actually collected by the Seller with respect
        thereto; (f) all accounts and other rights to payment related to any of the
        property described in this paragraph; and (g) any and all documents, files,
        records, servicing files, servicing documents, servicing records, data tapes,
        computer records, or other information pertaining to the Mortgage Loans or
        pertaining to the past, present or prospective servicing of the Mortgage
        Loans.

       

      Sponsor:
        The
        sponsor, as such term is defined in Regulation AB, with respect to any
        Securitization Transaction.

       

      Standard
        & Poor’s:
        Standard & Poor’s Rating Services, a division of The McGraw-Hill Companies
        Inc., and its successors in interest.

       

      Standard
        & Poor’s Glossary:
        The
        Standard & Poor’s LEVELS® Glossary, as may be in effect from time to
        time.

       

      Stated
        Principal Balance:
        As to
        each Mortgage Loan, (i) the principal balance of the Mortgage Loan at the
        related Cut-off Date after giving effect to scheduled payments of principal
        due
        on or before such date, whether or not collected, minus (ii) all amounts
        previously distributed to the Purchaser with respect to the related Mortgage
        Loan representing payments or recoveries of principal or advances in lieu
        thereof.

       

      Static
        Pool Information:
        Static
        pool information as described in Item 1105(a)(1)-(3) and 1105(c) of Regulation
        AB.

       

      Successor
        Servicer:
        A
        servicer designated by the Purchaser pursuant to Section 8.03
        which is
        entitled to the benefits of the indemnifications set forth in such Section
        and
Section 13.01.

       

      Third-Party
        Originator:
        Each
        Person, other than a Qualified Correspondent, that originated Mortgage Loans
        acquired by the Seller.

       

      Transfer
        Date:
        The
        date on which the Purchaser, or its designee, shall receive the transfer
        of
        servicing responsibilities and begin to perform the servicing of all or a
        portion of the Mortgage Loans, and the Seller shall cease all servicing
        responsibilities as set forth in the Servicing Agreement.

       

      Underwriting
        Guidelines:
        The
        underwriting guidelines of the Seller with respect to a Mortgage Loan Package,
        a
        copy of which shall be attached to the related Purchase Price and Terms
        Agreement.

       

      Whole
        Loan Agreement:
        Any
        Reconstitution Agreement in respect of a Whole Loan Transfer.

       

      Whole
        Loan Transfer:
        Any
        sale or transfer of some or all of the Mortgage Loans, other than a
        Securitization Transaction.

       

      SECTION
        2.  Agreement
        to Purchase.

       

      The
        Seller, on each related Closing Date, agrees to sell, and the Purchaser agrees
        to purchase, Mortgage Loans having an aggregate principal balance on the
        related
        Cut-off Date in an amount as set forth in the related Purchase Price and
        Terms
        Agreement, or in such other amount as agreed by the Purchaser and the Seller
        as
        evidenced by the aggregate scheduled principal balance of the Mortgage Loans
        accepted by the Purchaser on the related Closing Date.

       

      SECTION
        3.  Mortgage
        Schedules.

       

      The
        Seller shall provide the Purchaser with certain information constituting
        a
        preliminary listing of the Mortgage Loans in the Mortgage Loan Package to
        be
        purchased on a Closing Date in accordance with the related Purchase Price
        and
        Terms Agreement and this Agreement (a “Preliminary
        Mortgage Schedule”).

       

      The
        Seller shall deliver the related Mortgage Loan Schedule for the Mortgage
        Loans
        in the Mortgage Loan Package to be purchased on a Closing Date to the Purchaser
        at least two (2) Business Days prior to the related Closing Date or such
        later
        date on which the Purchaser has identified to the Seller the final list of
        Mortgage Loans the Purchaser desires to purchase. 

       

      SECTION
        4.  Purchase
        Price.

       

      The
        Purchase Price for each Mortgage Loan in the related Mortgage Loan Package
        shall
        be the percentage of par as stated in the related Purchase Price and Terms
        Agreement (subject to adjustment as provided therein), multiplied by the
        aggregate scheduled principal balance, as of the related Cut-off Date, of
        the
        Mortgage Loans listed on the related Closing Schedule, after application
        of
        scheduled payments of principal due on or before the related Cut-off Date
        whether or not collected. 

       

      In
        addition to the Purchase Price as described above, the Purchaser shall pay
        to
        the Seller, on the related Closing Date, accrued but unpaid interest on the
        principal balance of the Mortgage Loans in the related Mortgage Loan Package
        as
        of the related Cut-off Date at a rate equal to the weighted average Mortgage
        Interest Rate minus the Servicing Fee Rate (as defined in the Servicing
        Agreement), from the related Cut-off Date through the day prior to the related
        Closing Date, inclusive. The Purchase Price plus accrued interest as set
        forth
        in the preceding paragraph shall be paid to the Seller by wire transfer of
        immediately available funds to an account or accounts designated by the Seller
        in writing.

       

      The
        Purchaser shall be entitled to (1) all scheduled principal due after the
        related
        Cut-off Date, (2) all other recoveries of principal collected after the related
        Cut-off Date (provided, however, that all scheduled payments of principal
        due on
        or before the related Cut-off Date shall belong to the Seller), (3) all payments
        of interest on the Mortgage Loans (minus that portion of any such payment
        which
        is allocable to the period prior to the related Cut-off Date) and (4) all
        other
        recoveries of late charges, assumption fees, prepayment penalties or other
        charges collected after the related Cut-off Date. The principal balance of
        each
        Mortgage Loan as of the related Cut-off Date is determined after application
        of
        payments of principal due on or before the related Cut-off Date whether or
        not
        collected. Therefore, payments of scheduled principal and interest prepaid
        for a
        due date beyond the related Cut-off Date shall not be applied to the principal
        balance as of the related Cut-off Date. Such prepaid amounts (minus interest
        at
        the Servicing Fee Rate) shall be the property of the Purchaser. The Seller
        shall
        deposit any such prepaid amounts into the Custodial Account, which account
        is
        established for the benefit of the Purchaser for subsequent remittance by
        the
        Seller to the Purchaser.

       

      SECTION
        5.  Examination
        of Mortgage Files.

       

      At
        least
        five (5) Business Days prior to the related Closing Date, the Seller shall
        either (a) deliver to the Purchaser or its designee in escrow, for
        examination with respect to each Mortgage Loan to be purchased, the related
        Mortgage File, including a copy of the Assignment of Mortgage (except with
        respect to each MERS Designated Mortgage Loan ), pertaining to each Mortgage
        Loan, or (b) make the related Mortgage File available to the Purchaser for
        examination at such other location as shall otherwise be acceptable to the
        Purchaser. Such examination of the Mortgage Files may be made by the Purchaser
        or its designee at any reasonable time before or after the related Closing
        Date.
        The Purchaser may, at its option and without notice to the Seller, purchase
        some
        or all of the Mortgage Loans without conducting any partial or complete
        examination. The fact that the Purchaser or its designee has conducted or
        has
        failed to conduct any partial or complete examination of the Mortgage Files
        or
        the Credit Files shall not impair in any way the Purchaser’s (or any of its
        successor’s) rights to demand repurchase, substitution or other remedy as
        provided in this Agreement; provided that Purchaser may not demand repurchase
        or
        other relief or remedy on the basis that a Mortgage Loan examined by Purchaser
        or its designee prior to purchase does not comply with the related Underwriting
        Guidelines. Notwithstanding the preceding qualification, it is understood
        and
        agreed that the Purchaser maintains its rights pursuant to Section
        8.03
        to
        demand repurchase of any loan in breach of the Seller’s representations and
        warranties contained in Section
        8.02,
        excluding Section
        8.02(v).

       

      SECTION
        6.  Conveyance
        from Seller to Purchaser.

       

      Subsection
        6.01  Conveyance
        of Mortgage Loans.

       

      The
        Seller, on each related Closing Date, does hereby sell, transfer, assign,
        set
        over and convey to the Purchaser, without recourse, but subject to the terms
        of
        this Agreement, all rights, title and interest of the Seller in and to the
        Mortgage Loans in the related Mortgage Loan Package, together in and to the
        Mortgage Loans and the Mortgage Files and all rights and obligations arising
        under the documents contained therein for each Mortgage Loan in the related
        Mortgage Loan Package.

       

      Subsection
        6.02  Books
        and Records.

       

      Record
        title to each Mortgage as of the related Closing Date shall be in the name
        of
        the Seller, an Affiliate of the Seller, the Purchaser, MERS or one or more
        designees of the Purchaser. Notwithstanding the foregoing, beneficial title
        of
        each Mortgage and related Mortgage Note shall be possessed solely by the
        Purchaser or the appropriate designee of the Purchaser, as the case may be.
        Except as expressly set forth in this Agreement, all rights arising out of
        the
        Mortgage Loans including, but not limited to, all funds received by the Seller
        after the related Cut-off Date on or in connection with a Mortgage Loan shall
        be
        vested in the Purchaser or one or more designees of the Purchaser; provided,
        however, that all funds received on or in connection with a Mortgage Loan
        shall
        be received and held by the Seller in trust for the benefit of the Purchaser
        or
        the appropriate designee of the Purchaser, as the case may be, as the owner
        of
        the Mortgage Loans pursuant to the terms of this Agreement.

       

      The
        sale
        of each Mortgage Loan shall be reflected on the Seller’s balance sheet and other
        financial statements as a sale of assets by the Seller.

       

      The
        Seller shall be responsible for maintaining, and shall maintain, a complete
        set
        of books and records for each Mortgage Loan which shall be marked clearly
        to
        reflect the ownership of each Mortgage Loan by the Purchaser. In particular,
        the
        Seller shall maintain in its possession, available for inspection by the
        Purchaser, and shall deliver within five (5) business days to the Purchaser
        upon
        demand, evidence of compliance prior to the related Transfer Date with all
        federal, state and local laws, rules and regulations, including but not limited
        to flood certifications, documentation evidencing insurance coverage and
        periodic inspection reports. To the extent that, prior to the related Transfer
        Date, original documents are not required for purposes of realization of
        Liquidation Proceeds or Insurance Proceeds, documents maintained by the Seller
        may be in the form of microfilm, microfiche or electronic imaging so long
        as the
        Seller complies with the requirements of the Fannie Mae Guides.

       

      Subsection
        6.03  Delivery
        of Mortgage Loan Documents.

       

      The
        Seller shall deliver and release to the Custodian no later than five (5)
        Business Days prior to the related Closing Date the documents and instruments
        in
        the Mortgage File for each Mortgage Loan in the related Mortgage Loan Package.
        

       

      The
        Custodian shall certify its receipt of all such Mortgage Loan Documents required
        to be delivered pursuant to the Custodial Agreement for the related Closing
        Date, as evidenced by the certification and trust receipt of the Custodian
        in
        the form annexed to the Custodial Agreement. The Purchaser shall pay all
        fees
        and expenses of the Custodian from and after the related Closing
        Date.

       

      The
        Seller shall forward to the Custodian, or to such other Person as the Purchaser
        shall designate in writing, original documents evidencing an assumption,
        modification, consolidation or extension of any Mortgage Loan entered into
        in
        accordance with this Agreement within two weeks of their execution, provided,
        however, that the Seller shall provide the Custodian, or to such other Person
        as
        the Purchaser shall designate in writing, with a certified true copy of any
        such
        document submitted for recordation within two weeks of its execution, and
        shall
        promptly provide the original of any document submitted for recordation or
        a
        copy of such document certified by the appropriate public recording office
        to be
        a true and complete copy of the original within ninety days of its submission
        for recordation.

       

      In
        the
        event the original of any copy of any document submitted for recordation
        to the
        appropriate public recording office, is not delivered to the Custodian or
        to
        such other Person as the Purchaser shall designate in writing, within 180
        days
        following the related Closing Date, the related Mortgage Loan shall, upon
        the
        request of the Purchaser, be repurchased by the Seller at the price and in
        the
        manner specified in Subsection
        8.03.
        The
        foregoing repurchase obligation shall not apply in the event that the Seller
        cannot deliver such original or copy of any document submitted for recordation
        to the appropriate public recording office within the specified period due
        to a
        delay caused by the recording office in the applicable jurisdiction, provided
        that (i) the Seller shall deliver a recording receipt of such recording
        office or, if such recording receipt is not available, an officer’s certificate
        of a servicing officer of the Seller, confirming that such documents have
        been
        accepted for recording (upon request of the Purchaser and delivery by the
        Purchaser to the Seller of a schedule of the related Mortgage Loans, the
        Seller
        shall reissue and deliver to the Purchaser or its designee said officer’s
        certificate relating to the related Mortgage Loans), and (ii) such document
        is delivered within 270 days of the related Closing Date.

       

      The
        Seller shall pay all initial recording fees, if any, for the assignments
        of
        mortgage and any other fees or costs for a one-time transfer of all original
        documents to the Custodian or, upon written request of the Purchaser, to
        the
        Purchaser or the Purchaser’s designee. The Purchaser or the Purchaser’s designee
        shall be responsible for recording any Assignments of Mortgage and shall
        be
        reimbursed by the Seller for the costs associated therewith pursuant to the
        preceding sentence.

       

      Subsection
        6.04  Quality
        Control Procedures.

       

      The
        Seller shall maintain an internal quality control program that verifies in
        a
        manner consistent with accepted industry procedures, on a regular basis,
        the
        existence and accuracy of the legal documents, credit documents, property
        appraisals, and underwriting decisions. The program shall include evaluating
        and
        monitoring the overall quality of the Seller’s loan production and the
        servicing
        activities of the Seller.
        The
        program ensures that the Mortgage Loans are originated and serviced in
        accordance with Accepted Servicing Practices and the Underwriting Guidelines,
        guard against dishonest, fraudulent, or negligent acts; and guard against
        errors
        and omissions by officers, employees, or other authorized persons.

       

      SECTION
        7.  Servicing
        of the Mortgage Loans.

       

      The
        Mortgage Loans in each Mortgage Loan Package shall be sold by the Seller
        to the
        Purchaser on a servicing released basis. Subject to, and upon the terms and
        conditions of this Agreement, with respect to the Mortgage Loans in each
        Mortgage Loan Package, the Seller hereby sells, transfers, assigns and delivers
        to the Purchaser, on the related Closing Date, the Servicing Rights. The
        Seller
        shall take any actions necessary to cause any current servicer to terminate
        servicing the Mortgage Loans on behalf of the Seller. The Seller shall be
        responsible for all servicing fees with respect to the Mortgage Loans accruing
        through the related Closing Date. On and after the related Transfer Date,
        the
        Purchaser shall have the right to assign the servicing rights to a Successor
        Servicer in its sole discretion.

       

      SECTION
        8.  Representations,
        Warranties and Covenants of the Seller; Remedies for Breach.

       

      Subsection
        8.01  Representations
        and Warranties Regarding the Seller.

       

      The
        Seller represents, warrants and covenants to the Purchaser and the Successor
        Servicer that as of the date hereof and as of each Closing Date:

       

      (a)  Due
        Organization and Authority.
        The
        Seller is a corporation duly organized, validly existing and in good standing
        under the laws of its jurisdiction of incorporation or formation and has
        all
        licenses necessary to carry on its business as now being conducted and is
        licensed, qualified and in good standing in each state wherein it owns or
        leases
        any material properties or where a Mortgaged Property is located, if the
        laws of
        such state require licensing or qualification in order to conduct business
        of
        the type conducted by the Seller, and in any event the Seller is in compliance
        with the laws of any such state to the extent necessary to ensure the
        enforceability of the related Mortgage Loan in accordance with the terms
        of this
        Agreement; the Seller has the full corporate power, authority and legal right
        to
        hold, transfer and convey the Mortgage Loans and to execute and deliver this
        Agreement and to perform its obligations hereunder; the execution, delivery
        and
        performance of this Agreement (including all instruments of transfer to be
        delivered pursuant to this Agreement) by the Seller and the consummation
        of the
        transactions contemplated hereby have been duly and validly authorized; this
        Agreement and all agreements contemplated hereby have been duly executed
        and
        delivered and constitute the valid, legal, binding and enforceable obligations
        of the Seller, regardless of whether such enforcement is sought in a proceeding
        in equity or at law, subject to bankruptcy, insolvency, and similar laws
        affecting the rights of creditors generally and to general principles of
        equity;
        and all requisite corporate action has been taken by the Seller to make this
        Agreement and all agreements contemplated hereby valid and binding upon the
        Seller in accordance with their terms;

       

      (b)  Ordinary
        Course of Business.
        The
        consummation of the transactions contemplated by this Agreement are in the
        ordinary course of business of the Seller, and the transfer, assignment and
        conveyance of the Mortgage Notes and the Mortgages by the Seller pursuant
        to
        this Agreement are not subject to the bulk transfer or any similar statutory
        provisions in effect in any applicable jurisdiction;

       

      (c)  No
        Conflicts.
        Neither
        the execution and delivery of this Agreement, the acquisition or origination
        of
        the Mortgage Loans by the Seller, the sale of the Mortgage Loans to the
        Purchaser, the consummation of the transactions contemplated hereby, nor
        the
        fulfillment of or compliance with the terms and conditions of this Agreement,
        will conflict with or result in a breach of any of the terms, conditions
        or
        provisions of the Seller’s charter, by-laws or other organizational documents or
        any legal restriction or any agreement or instrument to which the Seller
        is now
        a party or by which it is bound, or constitute a default or result in an
        acceleration under any of the foregoing, or result in the violation of any
        law,
        rule, regulation, order, judgment or decree to which the Seller or its property
        is subject, or result in the creation or imposition of any lien, charge or
        encumbrance that would have an adverse effect upon any of its properties
        pursuant to the terms of any mortgage, contract, deed of trust or other
        instrument, or impair the ability of the Purchaser to realize on the Mortgage
        Loans, impair the value of the Mortgage Loans, or impair the ability of the
        Purchaser to realize the full amount of any insurance benefits accruing pursuant
        to this Agreement;

       

      (d)  Ability
        to Perform; Solvency.
        The
        Seller does not believe, nor does it have any reason or cause to believe,
        that
        it cannot perform each and every covenant contained in this Agreement. The
        Seller is solvent and the sale of the Mortgage Loans will not cause the Seller
        to become insolvent. The sale of the Mortgage Loans is not undertaken with
        the
        intent to hinder, delay or defraud any of Seller’s creditors;

       

      (e)  No
        Litigation Pending.
        There
        is no action, suit, proceeding or investigation pending or threatened against
        the Seller, before any court, administrative agency or other tribunal (i)
        asserting the invalidity of this Agreement, (ii) seeking to prevent the
        consummation of any of the transactions contemplated by this Agreement or
        (iii)
        except as disclosed in writing by the Seller to the Purchaser on Exhibit
        L
        hereto
        or otherwise, which, either in any one instance or in the aggregate, is likely
        to result in any material adverse change in the business, operations, financial
        condition, properties or assets of the Seller, or in any material impairment
        of
        the right or ability of the Seller to carry on its business substantially
        as now
        conducted, or in any material liability on the part of the Seller, or which
        would draw into question the validity of this Agreement or the Mortgage Loans
        or
        of any action taken or to be taken in connection with the obligations of
        the
        Seller contemplated herein, or which would be likely to impair materially
        the
        ability of the Seller to perform under the terms of this Agreement, or (iv)
        except as disclosed in writing by the Seller to the Purchaser on Exhibit
        L
        hereto
        or otherwise, the Seller is not subject to any outstanding litigation for
        fraud,
        origination, predatory lending, servicing or closing practices. The Mortgage
        Loans are not subject to any outstanding litigation for fraud, origination,
        predatory lending, servicing or closing practices. Notwithstanding the Seller’s
        disclosure of ongoing litigation pursuant to Exhibit
        L
        hereto
        or otherwise, Accredited shall remain liable to the Purchaser to repurchase
        and/or indemnify for any Mortgage Loan affected by any outstanding
        litigation.

       

      Notwithstanding
        the disclosures with respect to certain litigation matters set forth on Exhibit
        L hereto, the Seller hereby acknowledges and agrees that if and to the extent
        that any such litigation materially and adversely affects the value of the
        Mortgage Loans or the interest of the Purchaser therein (or which materially
        and
        adversely affects the value of the applicable Mortgage Loan or the interest
        of
        the Purchaser therein in the case of a representation and warranty relating
        to a
        particular Mortgage Loan), the Seller shall either cure or repurchase such
        Mortgage Loan in accordance with Section 8.03 as if such litigation had not
        previously been disclosed to the Purchaser. 

       

      (f)  No
        Consent Required.
        No
        consent, approval, authorization or order of, or registration or filing with,
        or
        notice to any court or governmental agency or body is required for the
        execution, delivery and performance by the Seller of or compliance by the
        Seller
        with this Agreement or the Mortgage Loans, the delivery of a portion of the
        Mortgage Files to the Custodian or the sale of the Mortgage Loans or the
        consummation of the transactions contemplated by this Agreement, or if required,
        such consent, approval-, authorization or order of, or registration or filing
        with, or notice has been obtained prior to the related Closing
        Date;

       

      (g)  Selection
        Process.
        The
        Mortgage Loans were selected from among the outstanding one- to four-family
        mortgage loans in the Seller’s portfolio at the related Closing Date as to which
        the representations and warranties set forth in Subsection
        8.02
        could be
        made and such selection was not intentionally made in a manner so as to affect
        adversely the interests of the Purchaser;

       

      (h)  Delivery
        to the Custodian.
        The
        Mortgage Note, the Mortgage, the Assignment of Mortgage, if applicable, and
        any
        other documents required to be delivered with respect to each Mortgage Loan
        pursuant to this Agreement, shall be delivered to the Custodian all in
        compliance with the specific requirements of this Agreement. With respect
        to
        each Mortgage Loan, the Seller will be in possession of a complete Mortgage
        File
        in compliance with Exhibit A
        hereto,
        except for such documents as will be delivered to the Custodian;

       

      (i)  No
        Untrue Information.
        Neither
        this Agreement nor any information, statement, tape, diskette, report, form,
        or
        other document furnished or to be furnished by Seller pursuant to this Agreement
        or any Reconstitution Agreement or in connection with the transactions
        contemplated hereby (including any Securitization Transaction or Whole Loan
        Transfer) contains or will contain any untrue statement of material fact
        or
        omits or will omit to state a material fact necessary to make the statements
        contained herein or therein not misleading;

       

      (j)  Financial
        Statements.
        The
        Seller has delivered to the Purchaser financial statements as requested by
        the
        Purchaser. All such financial statements fairly present the pertinent results
        of
        operations and changes in financial position for each of such periods and
        the
        financial position at the end of each such period of the Seller and its
        subsidiaries and have been prepared in accordance with generally accepted
        accounting principles consistently applied throughout the periods involved,
        except as set forth in the notes thereto. There has been no change in the
        business, operations, financial condition, properties or assets of the Seller
        since the date of the Seller’s financial statements that would have a material
        adverse effect on its ability to perform its obligations under this Agreement.
        The Seller has completed any forms requested by the Purchaser in a timely
        manner
        and in accordance with the provided instructions;

       

      (k)  Loan
        Experience.
        The
        Seller has delivered information as to its loan experience as requested by
        the
        Purchaser, and all such information so delivered shall be true and correct
        in
        all material respects;

       

      (l)  No
        Brokers.
        The
        Seller has not dealt with any broker, investment banker, agent or other person
        that may be entitled to any commission or compensation in connection with
        the
        sale of the Mortgage Loans;

       

      (m)  Sale
        Treatment.
        The
        Seller acknowledges that under generally accepted accounting principles the
        transfer of the Mortgage Loans may be treated as a sale on the books and
        records
        of the Seller and the Seller has determined that the disposition of the Mortgage
        Loans pursuant to this Agreement will be afforded sale treatment for tax
        and
        accounting purposes;

       

      (n)  Owner
        of Record.
        Except
        for a MERS Designated Mortgage Loan, the Seller is the owner of record of
        each
        Mortgage and the indebtedness evidenced by each Mortgage Note, except for
        any
        Assignments of Mortgage which have been sent for recording, and upon recordation
        the Seller will be the owner of record of each Mortgage and the indebtedness
        evidenced by each Mortgage Note, and upon the sale of the Mortgage Loans
        to the
        Purchaser, the Seller will retain the Mortgage Files with respect thereto
        in
        trust only for the purpose of servicing and supervising the servicing of
        each
        Mortgage Loan; 

       

      (o)  Reasonable
        Purchase Price.
        The
        consideration received by the Seller upon the sale of the Mortgage Loans
        under
        this Agreement constitutes fair consideration and reasonably equivalent value
        for the Mortgage Loans;

       

      (p)  Seller’s
        Origination.
        The
        Seller’s decision to originate any mortgage loan or to deny any mortgage loan
        application is an independent decision based upon Seller’s underwriting
        guidelines, and is in no way made as a result of Purchaser’s decision to
        purchase, or not to purchase, or the price Purchaser may offer to pay for,
        any
        such mortgage loan, if originated;

       

      (q)  Reports.
        On or
        prior to the date which is two Business Days after the related Closing Date,
        Seller will provide the Custodian and the Purchaser with a MERS Report
        reflecting the Custodian as Investor with respect to each MERS Designated
        Mortgage Loan and no Person as Interim Funder for each MERS Designated Mortgage
        Loan;

       

      (r)  MERS
        Designations.
        With
        respect to each MERS Designated Mortgage Loan, on the related Closing Date,
        the
        Seller has initiated the process of designating the Custodian as the Investor
        on
        the MERS® System. With respect to each MERS Designated Mortgage Loan, no Person
        is listed as Interim Funder on the MERS® System.

       

      Subsection
        8.02  Representations
        and Warranties Regarding Individual Mortgage Loans.

       

      The
        Seller hereby represents and warrants to the Purchaser and the Successor
        Servicer that, as to each Mortgage Loan, as of the related Closing Date for
        such
        Mortgage Loan:

       

      (a)  Mortgage
        Loans as Described.
        The
        information set forth in the related Mortgage Loan Schedule is complete,
        true
        and correct;

       

      (b)  Payments
        Current.
        All
        payments required to be made up to the related Closing Date for the Mortgage
        Loan under the terms of the Mortgage Note, other than payments not yet 30
        days
        delinquent, have been made and credited. No payment required under the Mortgage
        Loan is 30 days or more delinquent nor has any payment under the Mortgage
        Loan
        been 30 days or more delinquent at any time since the origination of the
        Mortgage Loan;

       

      (c)  No
        Outstanding Charges.
        Except
        for payment defaults of less than 30 days, there are no defaults in complying
        with the terms of the Mortgage, and all taxes, governmental assessments,
        insurance premiums, water, sewer and municipal charges, leasehold payments
        or
        ground rents which previously became due and owing have been paid, or an
        escrow
        of funds has been established in an amount sufficient to pay for every such
        item
        which remains unpaid and which has been assessed but is not yet due and payable.
        The Seller has not advanced funds, or induced, solicited or knowingly received
        any advance of funds by a party other than the Mortgagor, directly or
        indirectly, for the payment of any amount required under the Mortgage Loan,
        except for interest accruing from the date of the Mortgage Note or date of
        disbursement of the Mortgage Loan proceeds, whichever is earlier, to the
        day
        which precedes by one month the Due Date of the first installment of principal
        and interest;

       

      (d)  Original
        Terms Unmodified.
        The
        terms of the Mortgage Note and Mortgage have not been impaired, waived, altered
        or modified in any respect, from the date of origination except by a written
        instrument which has been recorded, if necessary to protect the interests
        of the
        Purchaser, and which has been delivered to the Custodian or to such other
        Person
        as the Purchaser shall designate in writing, and the terms of which are
        reflected in the related Mortgage Loan Schedule. The substance of any such
        waiver, alteration or modification has been approved by the title insurer,
        if
        any, to the extent required by the policy, and its terms are reflected on
        the
        related Mortgage Loan Schedule, if applicable. No Mortgage Loan has been
        modified so as to restructure the payment obligations or re-age the Mortgage
        Loan. No Mortgagor has been released, in whole or in part, except in connection
        with an assumption agreement, approved by the issuer of the title insurer,
        to
        the extent required by the policy, and which assumption agreement is part
        of the
        Mortgage Loan File delivered to the Custodian or to such other Person as
        the
        Purchaser shall designate in writing and the terms of which are reflected
        in the
        related Mortgage Loan Schedule;

       

      (e)  No
        Defenses.
        The
        Mortgage Loan is not subject to any right of rescission, set-off, counterclaim
        or defense, including without limitation the defense of usury, nor will the
        operation of any of the terms of the Mortgage Note or the Mortgage, or the
        exercise of any right thereunder, render either the Mortgage Note or the
        Mortgage unenforceable, in whole or in part, or subject to any right of
        rescission, set-off, counterclaim or defense, including without limitation
        the
        defense of usury, and no such right of rescission, set-off, counterclaim
        or
        defense has been asserted with respect thereto, and no Mortgagor was a debtor
        in
        any state or federal bankruptcy or insolvency proceeding at, or subsequent
        to,
        the time the Mortgage Loan was funded;

       

      (f)  Hazard
        Insurance.
        Pursuant to the terms of the Mortgage, all buildings or other improvements
        upon
        the Mortgaged Property are insured by a generally acceptable insurer acceptable
        under the Fannie Mae Guides against loss by fire, hazards of extended coverage
        and such other hazards as are provided for in the Fannie Mae Guides or by
        Freddie Mac, in an amount which is at least equal to the lesser of (i) the
        maximum insurable value of the improvements securing such Mortgage Loan and
        (ii)
        the greater of (a) the outstanding principal balance of the Mortgage Loan
        and
        (b) an amount such that the proceeds thereof shall be sufficient to prevent
        the
        Mortgagor or the loss payee from becoming a co-insurer. If required by the
        National Flood Insurance Act of 1968, as amended, each Mortgage Loan is covered
        by a flood insurance policy meeting the requirements of the current guidelines
        of the Federal Insurance Administration as in effect which policy conforms
        to
        Fannie Mae and Freddie Mac, with a generally acceptable insurance carrier
        acceptable under the Fannie Mae Guides in an amount representing coverage
        not
        less than the lesser of (i) the aggregate unpaid principal balance of the
        Mortgage Loan, (ii) maximum amount of insurance which is available under
        the
        National Flood Insurance Act of 1968, as amended (regardless of whether the
        area
        in which such Mortgaged Property is located is participating in such program),
        and (iii) the full replacement value of the improvements which are part of
        such
        Mortgaged Property. All individual insurance policies contain a standard
        mortgagee clause naming the Seller and its successors and assigns as mortgagee,
        and all premiums thereon have been paid and such policies may not be reduced,
        terminated or cancelled without 30 days’ prior written notice to the mortgagee.
        The Mortgage obligates the Mortgagor thereunder to maintain the hazard insurance
        policy at the Mortgagor’s cost and expense, and on the Mortgagor’s failure to do
        so, authorizes the holder of the Mortgage to obtain and maintain such insurance
        at such Mortgagor’s cost and expense, and to seek reimbursement therefor from
        the Mortgagor. Where required by state law or regulation, the Mortgagor has
        been
        given an opportunity to choose the carrier of the required hazard insurance,
        provided the policy is not a “master”
or
        “blanket”
hazard
        insurance policy covering a condominium, or any hazard insurance policy covering
        the common facilities of a planned unit development. The hazard insurance
        policy
        is the valid and binding obligation of the insurer, is in full force and
        effect,
        and will be in full force and effect and inure to the benefit of the Purchaser
        upon the consummation of the transactions contemplated by this Agreement.
        None
        of the Seller, the Mortgagor or any servicer have engaged in any act or omission
        which would impair the coverage of any such policy, the benefits of the
        endorsement provided for herein, or the validity and binding effect of such
        policy, including, without limitation, no unlawful fee, commission, kickback
        or
        other unlawful compensation or value of any kind has been or will be received,
        retained or realized by any attorney, firm or other person or entity, and
        no
        such unlawful items have been received, retained or realized by the
        Seller;

       

      (g)  Compliance
        with Applicable Laws.
        Any and
        all requirements of any federal, state or local law including, without
        limitation, usury, truth-in-lending, real estate settlement procedures, consumer
        credit protection, equal credit opportunity and disclosure laws or unfair
        and
        deceptive practices laws applicable to the Mortgage Loan including, without
        limitation, any provisions relating to prepayment penalties, have been complied
        with, the consummation of the transactions contemplated hereby will not involve
        the violation of any such laws or regulations. 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 predatory and
        abusive lending laws. The Seller shall maintain in its possession, available
        for
        the Purchaser’s inspection, and shall deliver to the Purchaser upon demand,
        evidence of compliance with all such requirements;

       

      (h)  No
        Satisfaction of Mortgage.
        The
        Mortgage has not been satisfied, canceled, subordinated (except to a senior
        mortgage in the case of a Second Lien Mortgage Loan) or rescinded, in whole
        or
        in part, and the Mortgaged Property has not been released from the lien of
        the
        Mortgage, in whole or in part, nor has any instrument been executed that
        would
        effect any such release, cancellation, subordination or rescission. The Seller
        has not waived the performance by the Mortgagor of any action, if the
        Mortgagor’s failure to perform such action would cause the Mortgage Loan to be
        in default, nor has the Seller waived any default resulting from any action
        or
        inaction by the Mortgagor;

       

      (i)  Location
        and Type of Mortgaged Property.
        The
        Mortgaged Property is a fee simple property located in the state identified
        in
        the related Mortgage Loan Schedule except that with respect to real property
        located in jurisdictions in which the use of leasehold estates for residential
        properties is a widely-accepted practice, the Mortgaged Property may be a
        leasehold estate and consists of a single parcel of real property with a
        detached single family residence erected thereon, or a two- to four-family
        dwelling, or an individual residential condominium unit in a condominium
        project, or an individual unit in a planned unit development or a manufactured
        home and no residence or dwelling is a mobile home, provided, however, that
        any
        condominium unit or planned unit development shall conform with the related
        Underwriting Guidelines. In the case of any Mortgaged Properties that are
        manufactured homes (a “Manufactured
        Home Mortgage Loans”),
        (i)
        such Manufactured Home Mortgage Loan conforms with the applicable Fannie
        Mae or
        Freddie Mac requirements regarding mortgage loans related to manufactured
        dwellings, (ii) the related manufactured dwelling is permanently affixed
        to the
        land, (iii) the related manufactured dwelling and the related land are subject
        to a Mortgage properly filed in the appropriate public recording office and
        naming Seller as mortgagee, (iv) the applicable laws of the jurisdiction
        in
        which the related Mortgaged Property is located will deem the manufactured
        dwelling located on such Mortgaged Property to be a part of the real property
        on
        which such dwelling is located, and (v) such Manufactured Home Mortgage Loan
        is
        (x) a qualified mortgage under Section 860G(a)(3) of the Internal Revenue
        Code of 1986, as amended and (y) secured by manufactured housing treated
        as a
        single family residence under Section 25(e)(10) of the Code. As of the date
        of
        origination, no portion of the Mortgaged Property was used for commercial
        purposes, and since the date of origination, no portion of the Mortgaged
        Property has been used for commercial purposes; provided, that a Mortgaged
        Property which contains a home office shall not be considered as being used
        for
        commercial purposes as long as the Mortgaged Property has not been altered
        for
        commercial purposes and is not storing any chemicals or raw materials other
        than
        those commonly used for homeowner repair, maintenance and/or household purposes;
        notwithstanding the forgoing, the Mortgaged Property is not characterized
        as
        mixed-use under which the Mortgaged Property falls into two or more land
        use
        classifications.

       

      (j)  Valid
        First or Second Lien.
        The
        Mortgage is a valid, subsisting, enforceable (subject to bankruptcy, insolvency,
        and similar laws affecting the rights of creditors generally and to general
        principles of equity) and perfected, first or second lien (as applicable)
        on the
        Mortgaged Property, including all buildings and improvements on the Mortgaged
        Property and all installations and mechanical, electrical, plumbing, heating
        and
        air conditioning systems located in or annexed to such buildings, and all
        additions, alterations and replacements made at any time with respect to
        the
        foregoing. The lien of the Mortgage is subject only to:

       

      (1)  the
        lien
        of current real property taxes and assessments not yet due and
        payable;

       

      (2)  covenants,
        conditions and restrictions, rights of way, easements and other matters of
        the
        public record as of the date of recording acceptable to prudent mortgage
        lending
        institutions generally and specifically referred to in the lender’s title
        insurance policy delivered to the originator of the Mortgage Loan and
        (a) specifically referred to or otherwise considered in the appraisal made
        for the originator of the Mortgage Loan or (b) which do not adversely
        affect the Appraised Value of the Mortgaged Property set forth in such
        appraisal; 

       

      (3)  other
        matters to which like properties are commonly subject which do not materially
        interfere with the benefits of the security intended to be provided by the
        Mortgage or the use, enjoyment, value or marketability of the related Mortgaged
        Property; and

       

      (4)  with
        respect to Second Lien Mortgage Loans, the lien of the first mortgage on
        the
        Mortgaged Property.

       

      Any
        security agreement, chattel mortgage or equivalent document related to and
        delivered in connection with the Mortgage Loan establishes and creates a
        valid,
        subsisting, enforceable (subject to bankruptcy, insolvency and similar laws
        affecting the rights of creditors and general principles of equity) and
        perfected (A) first lien and first priority security interest with respect
        to
        each first lien mortgage loan, or (B) second lien and second priority security
        interest with respect to each Second Lien Mortgage Loan, in either case,
        on the
        property described therein and Seller has full right to sell and assign the
        same
        to Purchaser. 

       

      (k)  Validity
        of Mortgage Documents.
        The
        Mortgage Note and the Mortgage and any other agreement executed and delivered
        by
        a Mortgagor in connection with a Mortgage Loan are genuine, and each is the
        legal, valid and binding obligation of the maker thereof enforceable in
        accordance with its terms, except as such enforcement may be limited by
        bankruptcy, insolvency, reorganization, receivership, moratorium or other
        similar laws relating to or affecting the rights of creditors generally,
        and by
        general equity principles (regardless of whether such enforcement is considered
        a proceeding in equity or a law). All parties to the Mortgage Note, the Mortgage
        and any other such related agreement had legal capacity to enter into the
        Mortgage Loan and to execute and deliver the Mortgage Note, the Mortgage
        and any
        such agreement, and the Mortgage Note, the Mortgage and any other such related
        agreement have been duly and properly executed by other such related parties.
        The documents, instruments and agreements submitted for loan underwriting
        were
        not falsified and contain no untrue statement of material fact or omit to
        state
        a material fact required to be stated therein or necessary to make the
        information and statements therein not misleading. No fraud, error, omission,
        misrepresentation, negligence, or similar occurrence with respect to a Mortgage
        Loan has taken place on the part of any Person, including without limitation,
        the Mortgagor, any appraiser, or any other party involved in the origination
        or
        servicing of the Mortgage Loan. The Seller has reviewed all of the documents
        constituting the Servicing File and has made such inquiries as it deems
        necessary to make and confirm the accuracy of the representations set forth
        herein;

       

      (l)  Full
        Disbursement of Proceeds.
        Except
        to the extent the Mortgage Loan is subject to completion escrows which have
        been
        disclosed to and acknowledged by the Purchaser and which meet the requirements
        of the related Underwriting Guidelines, and as to which a completed Fannie
        Mae
        form 442 has been delivered to the Purchaser as of the related Closing Date,
        the
        Mortgage Loan has been closed and the proceeds of the Mortgage Loan have
        been
        fully disbursed and there is no requirement for future advances thereunder,
        and
        any and all requirements as to completion of any on-site or off-site improvement
        and as to disbursements of any escrow funds therefor have been complied with.
        All costs, fees and expenses incurred in making or closing the Mortgage Loan
        and
        the recording of the Mortgage were paid, and the Mortgagor is not entitled
        to
        any refund of any amounts paid or due under the Mortgage Note or
        Mortgage;

       

      (m)  Ownership.
        Except
        for the interests of the Seller’s warehouse lender, which interests will be
        released upon payment of the related Purchase Price, the Seller is the sole
        owner and holder of the Mortgage Loan, the Mortgage Loan has neither been
        assigned nor pledged, and the Seller has good and marketable title thereto,
        and
        has full right to transfer and sell the Mortgage Loan and the related Servicing
        Rights to the Purchaser free and clear of any encumbrance, equity, lien,
        pledge,
        chare, claim or security interest and has full right and authority subject
        to no
        interest or participation of, or agreement with, any other party, to sell
        and
        assign each Mortgage Loan and the related Servicing Rights to the Purchaser
        pursuant to the terms of this Agreement.

       

      (n)  Doing
        Business.
        All
        parties which have had any interest in the Mortgage Loan, whether as mortgagee,
        assignee, pledgee or otherwise, are (or, during the period in which they
        held
        and disposed of such interest, were) (1) in compliance with any and all
        applicable licensing requirements of the laws of the state wherein the Mortgaged
        Property is located, and (2) either (i) organized under the laws of
        such state, or (ii) qualified to do business, or exempt from such
        qualification, in such state, or (iii) a federal savings and loan
        association, a savings bank or a national bank having a principal office
        in such
        state, or (3) not doing business in such state;

       

      (o)  CLTV,
        LTV.
        No
        Mortgage Loan that is a Second Lien Mortgage Loan has a CLTV in excess of
        100%.
        No Mortgage Loan has an LTV greater than 100%.

       

      (p)  Title
        Insurance.
        The
        Mortgage Loan is covered by an ALTA lender’s title insurance policy, or with
        respect to any Mortgage Loan for which the related Mortgaged Property is
        located
        in California a CLTA lender’s title insurance policy, or other generally
        acceptable form of policy or insurance acceptable to Fannie Mae or Freddie
        Mac
        and each such title insurance policy is issued by a title insurer acceptable
        to
        Fannie Mae or Freddie Mac and qualified to do business in the jurisdiction
        where
        the Mortgaged Property is located, insuring the Seller, its successors and
        assigns, as to the first priority lien (with respect to first lien Mortgage
        Loans) or second priority lien (with respect to Second Lien Mortgage Loans)
        of
        the Mortgage in the original principal amount of the Mortgage Loan, subject
        only
        to the exceptions contained in clauses (1), (2), (3) and (4) of paragraph
        (j) of
        this Subsection
        8.02,
        and in
        the case of Adjustable Rate Mortgage Loans, against any loss by reason of
        the
        invalidity or unenforceability of the lien resulting from the provisions
        of the
        Mortgage providing for adjustment to the Mortgage Interest Rate and Monthly
        Payment. Where required by state law or regulation, the Mortgagor has been
        given
        the opportunity to choose the carrier of the required mortgage title insurance.
        Additionally, such lender’s title insurance policy affirmatively insures ingress
        and egress, and against encroachments by or upon the Mortgaged Property or
        any
        interest therein. The title policy does not contain any special exceptions
        (other than the standard exclusions) for zoning and uses and has been marked
        to
        delete the standard survey exception or to replace the standard survey exception
        with a specific survey reading. The Seller, its successor and assigns, are
        the
        sole insureds of such lender’s title insurance policy, and such lender’s title
        insurance policy is valid and remains in full force and effect and will be
        in
        force and effect upon the consummation of the purchase transactions contemplated
        by this Agreement. No claims have been made under such lender’s title insurance
        policy, and no prior holder of the related Mortgage, including the Seller,
        has
        done, by act or omission, anything which would impair the coverage of such
        lender’s title insurance policy, including without limitation, no unlawful fee,
        commission, kickback or other unlawful compensation or value of any kind
        has
        been or will be received, retained or realized by any attorney, firm or other
        person or entity, and no such unlawful items have been received, retained
        or
        realized by the Seller;

       

      (q)  No
        Defaults.
        Other
        than payments due but not yet 30 days or more delinquent, there is no default,
        breach, violation or event which would permit acceleration existing under
        the
        Mortgage or the Mortgage Note and no event which, with the passage of time
        or
        with notice and the expiration of any grace or cure period, would constitute
        a
        default, breach, violation or event which would permit acceleration, and
        neither
        the Seller nor any of its affiliates nor any of their respective predecessors,
        have waived any default, breach, violation or event which would permit
        acceleration. With respect to each Second Lien Mortgage Loan, (i) the prior
        mortgage is in full force and effect, (ii) there is no default, breach,
        violation or event of acceleration existing under such prior mortgage or
        the
        related mortgage note and (iii) as of the related Closing Date, no event
        which,
        with the passage of time or with notice and the expiration of any grace or
        cure
        period, would constitute a default, breach, violation or event of acceleration
        thereunder, and either (A) the prior mortgage contains a provision which
        allows
        or (B) the applicable law or applicable Mortgage requires, the mortgagee
        under
        the Second Lien Mortgage Loan to receive notice of, and affords such mortgagee
        an opportunity to cure any default by payment in full or otherwise under
        the
        prior mortgage;

       

      (r)  No
        Mechanics’ Liens.
        Except
        as insured against by the related title insurance, there are no mechanics’ or
        similar liens or claims which have been filed for work, labor or material
        (and
        no rights are outstanding that under law could give rise to such liens)
        affecting the related Mortgaged Property which are or may be liens prior
        to, or
        equal or coordinate with, the lien of the related Mortgage;

       

      (s)  Location
        of Improvements; No Encroachments.
        All
        improvements which were considered in determining the Appraised Value of
        the
        Mortgaged Property lay wholly within the boundaries and building restriction
        lines of the Mortgaged Property, and no improvements on adjoining properties
        encroach upon the Mortgaged Property. No improvement located on or being
        part of
        the Mortgaged Property is in violation of any applicable zoning law or
        regulation;

       

      (t)  Origination;
        Payment Terms.
        The
        Mortgage Loan was originated by a mortgagee approved by the Secretary of
        Housing
        and Urban Development pursuant to Sections 203 and 211 of the National
        Housing Act, a savings and loan association, a savings bank, a commercial
        bank,
        credit union, insurance company or other similar institution which is supervised
        and examined by a federal or state authority. No Mortgage Loan contains terms
        or
        provisions which would result in negative amortization. Principal payments
        on
        the Mortgage Loan commenced no more than sixty days after funds were disbursed
        in connection with the Mortgage Loan. The Mortgage Interest Rate as well
        as the
        Lifetime Rate Cap and the Periodic Cap for an Adjustable Rate Mortgage Loan
        are
        as set forth on the related Mortgage Loan Schedule. The Mortgage Note is
        payable
        in equal monthly installments of principal and interest, except for those
        Mortgage Loans identified on the related Mortgage Loan Schedule subject to
        a
        balloon payment, which installments of interest, with respect to Adjustable
        Rate
        Mortgage Loans, are subject to change due to the adjustments to the Mortgage
        Interest Rate on each Interest Rate Adjustment Date, with interest calculated
        and payable in arrears, sufficient to amortize the Mortgage Loan fully by
        the
        stated maturity date, over an original term of not more than thirty years
        from
        commencement of amortization. Unless otherwise specified on related Mortgage
        Loan Schedule, the Mortgage Loan is payable on the first day of each month.
        There are no Convertible Mortgage Loans which contain a provision allowing
        the
        Mortgagor to convert the Mortgage Note from an adjustable interest rate Mortgage
        Note to a fixed interest rate Mortgage Note. No Mortgage Loan is a balloon
        mortgage loan that has an original stated maturity of less than seven (7)
        years;

       

      (u)  Customary
        Provisions.
        The
        Mortgage contains customary and enforceable (subject to bankruptcy, insolvency,
        and similar laws affecting the rights of creditors generally and to general
        principles of equity) provisions such as to render the rights and remedies
        of
        the holder thereof adequate for the realization against the Mortgaged Property
        of the benefits of the security provided thereby, including, (i) in the
        case of a Mortgage designated as a deed of trust, by trustee’s sale, and
        (ii) otherwise by judicial foreclosure. Upon default by a Mortgagor on a
        Mortgage Loan and foreclosure on, or trustee’s sale of, the Mortgaged Property
        pursuant to the proper procedures, the holder of the Mortgage Loan will be
        able
        to deliver good and merchantable title to the Mortgaged Property. There is
        no
        homestead or other exemption available to a Mortgagor which would interfere
        with
        the right to sell the Mortgaged Property at a trustee’s sale or the right to
        foreclose the Mortgage, subject to applicable federal and state laws and
        judicial precedent with respect to bankruptcy and right of redemption or
        similar
        law;

       

      (v)  Conformance
        with Agency and Underwriting Guidelines.
        The
        Mortgage Loan was underwritten in accordance with the related Underwriting
        Guidelines. The Mortgage Note and Mortgage are on forms generally acceptable
        in
        the secondary market and the Seller has not made any representations to a
        Mortgagor that are inconsistent with the mortgage instruments used.

       

      (w)  Occupancy
        of the Mortgaged Property.
        The
        Mortgaged Property is not unlawfully occupied under applicable law. All
        inspections, licenses and certificates required to be made or issued with
        respect to all occupied portions of the Mortgaged Property and, with respect
        to
        the use and occupancy of the same, including but not limited to certificates
        of
        occupancy, have been made or obtained from the appropriate
        authorities;

       

      (x)  No
        Additional Collateral.
        The
        Mortgage Note is not and has not been secured by any collateral except the
        lien
        of the corresponding Mortgage and the security interest of any applicable
        security agreement or chattel mortgage referred to in clause (j)
        above;

       

      (y)  Deeds
        of Trust.
        In the
        event the Mortgage constitutes a deed of trust, a trustee, authorized and
        duly
        qualified under applicable law to serve as such, has been properly designated
        and currently so serves and is named in the Mortgage, and no fees or expenses
        are or will become payable by the Purchaser to the trustee under the deed
        of
        trust, except in connection with a trustee’s sale after default by the
        Mortgagor;

       

      (z)  Acceptable
        Investment.
        To the
        Seller’s knowledge, there are no circumstances or conditions with respect to the
        Mortgage, the Mortgaged Property, the Mortgagor, the Mortgage File or the
        Mortgagor’s credit standing (other than the status of the Mortgage Loan as a
        subprime mortgage loan) that can reasonably be expected to cause private
        institutional investors to regard the Mortgage Loan as an unacceptable
        investment, cause the Mortgage Loan to become delinquent, or adversely affect
        the value or marketability of the Mortgage Loan, or cause the Mortgage Loans
        to
        prepay during any period materially faster or slower than the mortgage loans
        originated by the Seller generally;

       

      (aa)  Delivery
        of Mortgage Documents.
        The
        Mortgage Note, the Mortgage, the Assignment of Mortgage, if applicable, and
        any
        other documents required to be delivered to the Custodian under this Agreement
        for each Mortgage Loan have been delivered to the Custodian. The Seller is
        in
        possession of a complete, true and accurate Mortgage File in compliance with
        Exhibit A
        hereto,
        except for such documents the originals of which have been delivered to the
        Custodian;

       

      (bb)  Condominiums/Planned
        Unit Developments.
        If the
        Mortgaged Property is a condominium unit or a planned unit development (other
        than a de minimis planned unit development) such condominium or planned unit
        development project is acceptable to Seller and underwritten in accordance
        with
        the related Underwriting Guidelines;

       

      (cc)  Transfer
        of Mortgage Loans.
        The
        Assignment of Mortgage, (except with respect to any Mortgage that has been
        recorded in the name of MERS or its designee), with respect to each Mortgage
        Loan is in recordable form and is acceptable for recording under the laws
        of the
        jurisdiction in which the Mortgaged Property is located. The transfer,
        assignment and conveyance of the Mortgage Notes and the Mortgages by the
        Seller
        are not subject to the bulk transfer or similar statutory provisions in effect
        in any applicable jurisdiction;

       

      (dd)  Due-On-Sale.
        With
        respect to each Fixed Rate Mortgage Loan, the Mortgage contains an enforceable
        provision for the acceleration of the payment of the unpaid principal balance
        of
        the Mortgage Loan in the event that the Mortgaged Property is sold or
        transferred without the prior written consent of the mortgagee thereunder,
        and,
        subject to applicable law, such provision is enforceable;

       

      (ee)  Assumability.
        None of
        the Mortgage Loans are, by their terms, assumable;

       

      (ff)  No
        Buydown Provisions; No Graduated Payments or Contingent
        Interests.
        The
        Mortgage Loan does not contain provisions pursuant to which Monthly Payments
        are
        paid or partially paid with funds deposited in any separate account established
        by the Seller, the Mortgagor, or anyone on behalf of the Mortgagor, or paid
        by
        any source other than the Mortgagor nor does it contain any other similar
        provisions which may constitute a “buydown” provision. The Mortgage Loan is not
        a graduated payment mortgage loan and the Mortgage Loan does not have a shared
        appreciation or other contingent interest feature;

       

      (gg)  Consolidation
        of Future Advances.
        Any
        future advances made to the Mortgagor prior to the related Cut-off Date have
        been consolidated with the outstanding principal amount secured by the Mortgage,
        and the secured principal amount, as consolidated, bears a single interest
        rate
        and single repayment term. The lien of the Mortgage securing the consolidated
        principal amount is expressly insured as having first or second lien priority
        by
        a title insurance policy, an endorsement to the policy insuring the mortgagee’s
        consolidated interest or by other title evidence acceptable to Fannie Mae
        and
        Freddie Mac. The consolidated principal amount does not exceed the original
        principal amount of the Mortgage Loan;

       

      (hh)  Mortgaged
        Property Undamaged; No Condemnation Proceedings.
        There
        is no proceeding pending or threatened for the total or partial condemnation
        of
        the Mortgaged Property. The Mortgaged Property is undamaged by waste, fire,
        earthquake or earth movement, windstorm, flood, tornado or other casualty
        so as
        to affect adversely the value of the Mortgaged Property as security for the
        Mortgage Loan or the use for which the premises were intended and each Mortgaged
        Property is in good repair;

       

      (ii)  Collection
        Practices; Escrow Deposits; Interest Rate Adjustments.
        The
        origination, servicing and collection practices used by the Seller or the
        current servicer with respect to the Mortgage Loan have been in all respects
        in
        compliance with Accepted Servicing Practices, applicable laws and regulations,
        and have been in all respects legal and proper and prudent in the mortgage
        origination and servicing business. With respect to escrow deposits and Escrow
        Payments, all such payments are in the possession of, or under the control
        of,
        the current servicer and there exist no deficiencies in connection therewith
        for
        which customary arrangements for repayment thereof have not been made. All
        Escrow Payments have been collected in full compliance with state and federal
        law and the provisions of the related Mortgage Note and Mortgage. To the
        extent
        there exists an escrow of funds, such escrow of funds is not prohibited by
        applicable law and has been established in an amount sufficient to pay for
        every
        item that remains unpaid and has been assessed but is not yet due and payable.
        No escrow deposits or Escrow Payments or other charges or payments due the
        Seller have been capitalized under the Mortgage or the Mortgage Note. All
        Mortgage Interest Rate adjustments have been made in strict compliance with
        state and federal law and the terms of the related Mortgage and Mortgage
        Note on
        the related Interest Rate Adjustment Date. The Seller executed and delivered
        any
        and all notices required under applicable law and the terms of the related
        Mortgage Note and Mortgage regarding the Mortgage Interest Rate and the Monthly
        Payment adjustments. Any interest required to be paid pursuant to state,
        federal
        and local law has been properly paid and credited;

       

      (jj)  Conversion
        to Fixed Interest Rate.
        With
        respect to Adjustable Rate Mortgage Loans, the Mortgage Loan is not a
        Convertible Mortgage Loan;

       

      (kk)  No
        Violation of Environmental Laws.
        The
        Mortgaged Property is free from any and all toxic or hazardous substances
        and
        there exists no violation of any local, state or federal environmental law,
        rule
        or regulation. There is no pending action or proceeding directly involving
        the
        Mortgaged Property in which compliance with any environmental law, rule or
        regulation is an issue; there is no violation of any environmental law, rule
        or
        regulation with respect to the Mortgage Property; and nothing further remains
        to
        be done to satisfy in full all requirements of each such law, rule or regulation
        constituting a prerequisite to use and enjoyment of said property;

       

      (ll)  Servicemembers
        Civil Relief Act of 2003.
        The
        Mortgagor has not notified the Seller, and the Seller has no knowledge of
        any
        relief requested or allowed to the Mortgagor under the Servicemembers Civil
        Relief Act of 2003;

       

      (mm)  Appraisal.
        The
        Mortgage File contains an appraisal of the related Mortgaged Property signed
        prior to the approval of the Mortgage Loan application by a qualified appraiser
        who had no interest, direct or indirect in the Mortgaged Property or in any
        loan
        made on the security thereof, and whose compensation was not affected by
        the
        approval or disapproval of the Mortgage Loan, and the appraisal and appraiser
        both satisfied the requirements of Fannie Mae or Freddie Mac and Title XI
        of the
        Financial Institutions Reform, Recovery, and Enforcement Act of 1989 and
        the
        regulations promulgated thereunder, all as in effect on the date the Mortgage
        Loan was originated. Such appraisal is (a) with respect to First Lien Loans,
        on
        appraisal form 1004 or form 2055 with an interior inspection and (b) with
        respect to Second Lien Mortgage Loans, on form 1004, 704, 2065 or 2055 forms
        with an interior inspection or an exterior only inspection;

       

      (nn)  Disclosure
        Materials.
        The
        Mortgagor has received all disclosure materials required by, and the Seller
        has
        complied with, all applicable law with respect to the making of the Mortgage
        Loans;

       

      (oo)  Construction
        or Rehabilitation of Mortgaged Property.
        No
        Mortgage Loan was made to finance the construction or rehabilitation of a
        Mortgaged Property or facilitating the trade-in or exchange of a Mortgaged
        Property;

       

      (pp)  Value
        of Mortgaged Property.
        The
        Seller has no knowledge of any circumstances existing that could be expected
        to
        adversely affect the value or the marketability of any Mortgaged Property
        or
        Mortgage Loan or to cause the Mortgage Loans to prepay during any period
        materially faster or slower than similar mortgage loans held by the Seller
        generally secured by properties in the same geographic area as the related
        Mortgaged Property;

       

      (qq)  No
        Defense to Insurance Coverage.
        The
        Seller has caused to be performed any and all acts required to preserve the
        rights and remedies of the Purchaser in any insurance policies applicable
        to the
        Mortgage Loans including, without limitation, any necessary notifications
        of
        insurers, assignments of policies or interests therein, and establishments
        of
        coinsured, joint loss payee and mortgagee rights in favor of the Purchaser.
        No
        action has been taken or failed to be taken, no event has occurred and no
        state
        of facts exists or has existed on or prior to the related Closing Date (whether
        or not known to the Seller on or prior to such date) which has resulted or
        will
        result in an exclusion from, denial of, or defense to coverage under any
        applicable, special hazard insurance policy, or bankruptcy bond (including,
        without limitation, any exclusions, denials or defenses which would limit
        or
        reduce the availability of the timely payment of the full amount of the loss
        otherwise due thereunder to the insured) whether arising out of actions,
        representations, errors, omissions, negligence, or fraud of the Seller, the
        related Mortgagor or any party involved in the application for such coverage,
        including the appraisal, plans and specifications and other exhibits or
        documents submitted therewith to the insurer under such insurance policy,
        or for
        any other reason under such coverage, but not including the failure of such
        insurer to pay by reason of such insurer’s breach of such insurance policy or
        such insurer’s financial inability to pay;

       

      (rr)  Escrow
        Analysis.
        With
        respect to each Mortgage for which taxes and insurance are being escrowed,
        the
        current servicer has within the last twelve months (unless such Mortgage
        was
        originated within such twelve month period) analyzed the required Escrow
        Payments for each Mortgage and adjusted the amount of such payments so that,
        assuming all required payments are timely made, any deficiency will be
        eliminated on or before the first anniversary of such analysis, or any overage
        will be refunded to the Mortgagor, in accordance with RESPA and any other
        applicable law;

       

      (ss)  Prior
        Servicing.
        Each
        Mortgage Loan has been serviced in all material respects in strict compliance
        with Accepted Servicing Practices and the related servicer has reported the
        Mortgagor credit files monthly to each of the three credit repositories in
        a
        timely manner on a monthly basis;

       

      (tt)  Credit
        Information.
        As to
        each consumer report (as defined in the Fair Credit Reporting Act, Public
        Law
        91-508) or other credit information furnished by the Seller to the Purchaser,
        that Seller has full right and authority and is not precluded by law or contract
        from furnishing such information to the Purchaser and the Purchaser is not
        precluded from furnishing the same to any subsequent or prospective purchaser
        of
        such Mortgage. The Seller has in its capacity as servicer, for each Mortgage
        Loan, fully furnished, in accordance with the Fair Credit Reporting Act and
        its
        implementing regulations, accurate and complete information (e.g., favorable
        and
        unfavorable) on its borrower credit files to Equifax, Experian and Trans
        Union
        Credit Information Company (three of the credit repositories), on a monthly
        basis. The Servicer will transmit full-file credit reporting data for each
        Mortgage Loan pursuant to Fannie Mae Guide Announcement 95-19 and that for
        each
        Mortgage Loan, Servicer agrees it shall report one of the following statuses
        each month as follows: new origination, current, delinquent (30-, 60-, 90-days,
        etc.), foreclosed, or charged-off;

       

      (uu)  Leaseholds.
        If a
        Mortgage Loan is secured by a long-term residential lease, (1) the lessor
        under
        the lease holds a fee simple interest in the land; (2) the terms of such
        lease
        expressly permit the mortgaging of the leasehold estate, the assignment of
        the
        lease without the lessor’s consent or the necessary consents have been obtained
        and the acquisition by the holder of the Mortgage of the rights of the lessee
        upon foreclosure or assignment in lieu of foreclosure or provide the holder
        of
        the Mortgage with substantially similar protections; (3) the terms of such
        lease
        do not (A) allow the termination thereof upon the lessee's default without
        the
        holder of the Mortgage being entitled to receive written notice of, and
        opportunity to cure, such default, (B) allow the termination of the lease
        in the
        event of damage or destruction as long as the Mortgage is in existence, (C)
        prohibit the holder of the Mortgage from being insured (or receiving proceeds
        of
        insurance) under the hazard insurance policy or policies relating to the
        Mortgaged Property or (D) permit any increase in rent other than pre-established
        increases set forth in the lease; (4) the original term of such lease is
        not
        less than 15 years; (5) the term of such lease does not terminate earlier
        than
        five years after the maturity date of the Mortgage Note; and (6) the Mortgaged
        Property is located in a jurisdiction in which the use of leasehold estates
        in
        transferring ownership in residential properties is a widely accepted
        practice;

       

      (vv)  Prepayment
        Penalty.
        The
        Mortgage Loan is subject to a prepayment penalty as provided in the related
        Mortgage Note except as set forth on the related Mortgage Loan Schedule.
        With
        respect to each Mortgage Loan that has a prepayment penalty feature, each
        such
        prepayment penalty is enforceable and will be enforced by the Seller for
        the
        benefit of the Purchaser, and each prepayment penalty is permitted pursuant
        to
        federal, state and local law. Each such prepayment penalty is in an amount
        not
        more than the maximum amount permitted under applicable law and no Mortgage
        Loan
        has a prepayment penalty in excess of five (5) years. With respect to any
        Mortgage Loan that contains a provision permitting imposition of a premium
        upon
        a prepayment prior to maturity: (i) prior to the loan’s origination, the
        Mortgagor agreed to such premium in exchange for a monetary benefit, including
        but not limited to a rate or fee reduction, (ii) prior to the loan’s
        origination, the Mortgagor was offered the option of obtaining a mortgage
        loan
        that did not require payment of such a premium, (iii) the prepayment premium
        is
        disclosed to the Mortgagor in the loan documents pursuant to applicable state,
        local and federal law, and (iv) notwithstanding any state, local or federal
        law
        to the contrary, the Servicer shall not impose such prepayment premium in
        any
        instance when the mortgage debt is accelerated as the result of the Mortgagor’s
        default in making the loan payments;

       

      (ww)  Predatory
        Lending Regulations.
        No
        Mortgage Loan is a High Cost Loan or Covered Loan, as applicable, and no
        Mortgage Loan originated on or after October 1, 2002 through March 6, 2003
        is
        governed by the Georgia Fair Lending Act. No Mortgage Loan is covered by
        the
        Home Ownership and Equity Protection Act of 1994 and no Mortgage Loan is
        in
        violation of any comparable state or local law.

       

      (xx)  Single-premium
        Credit Life Insurance Policy.
        In
        connection with the origination of any Mortgage Loan, no proceeds from any
        Mortgage Loan were used to finance or acquire a single-premium credit life
        insurance policy. No Mortgagor was required to purchase any single premium
        credit insurance policy (e.g., life, disability, accident, unemployment,
        or
        health insurance product) or debt cancellation agreement as a condition of
        obtaining the extension of credit. No Mortgagor obtained a prepaid single
        premium credit insurance policy (e.g., life, disability, accident, unemployment,
        mortgage, or health insurance) in connection with the origination of the
        Mortgage Loan; no proceeds from any Mortgage Loan were used to purchase single
        premium credit insurance policies or debt cancellation agreements as part
        of the
        origination of, or as a condition to closing, such Mortgage Loan;

       

      (yy)  Tax
        Service Contract; Flood Certification Contract.
        Each
        Mortgage Loan is covered by a paid in full, life of loan, tax service contract
        and a paid in full, life of loan, flood certification contract and each of
        these
        contracts is assignable to the Purchaser;

       

      (zz)  Qualified
        Mortgage.
        The
        Mortgage Loan is a “qualified mortgage” within the meaning of Section 860G(a)(3)
        of the Code;

       

      (aaa)  Regarding
        the Mortgagor.
        The
        Mortgagor is one or more natural persons and/or trustees for an Illinois
        land
        trust or a trustee under a “living trust” and such “living trust” is in
        compliance with Fannie Mae guidelines for such trusts; 

       

      (bbb)  Recordation.
        Each
        original Mortgage was recorded and, except for those Mortgage Loans subject
        to
        the MERS identification system, all subsequent assignments of the original
        Mortgage (other than the assignment to the Purchaser) have been recorded
        in the
        appropriate jurisdictions wherein such recordation is necessary to perfect
        the
        lien thereof as against creditors of the Seller, or is in the process of
        being
        recorded; 

       

      (ccc)  FICO
        Scores.
        Except
        as permitted by the related Underwriting Guidelines, each Mortgagor has a
        non-zero FICO score; 

       

      (ddd)  Compliance
        with Anti-Money Laundering Laws.
        The
        Seller has complied with all applicable anti-money laundering laws and
        regulations, including without limitation the USA Patriot Act of 2001
        (collectively, the “Anti-Money
        Laundering Laws”);

       

      (eee)  Georgia
        Mortgage Loans.
        There
        is no Mortgage Loan that was funded prior to March 7, 2003 and is secured
        by
        property located in the State of Georgia. There
        is
        no Mortgage Loan that was funded after March 7, 2003, which is a “high-cost home
        loan” as defined under the Georgia Fair Lending Act;

       

      (fff)  Mortgaged
        Premises Located in New York State.
        No
        Mortgage Loan (a) is secured by property located in the state of New York;
        (b) had an original principal balance of $300,000 or less, and (c) has an
        application date on or after April 1, 2003, the terms of which Mortgage Loan
        equal or exceed either the APR or the points and fees threshold for “high-cost
        home loans,” as defined in Section 6-L of the New York State Banking Law;

       

      (ggg)  Mortgaged
        Premises Located in New Jersey.
        No
        Mortgage Loan is secured by property located in the state of New Jersey unless
        such Mortgage Loan is ratable by all three of the Ratings Agencies;
        and

       

      (hhh)  Litigation.
        The
        Mortgage Loan is not subject to any outstanding litigation for fraud,
        origination, predatory lending, servicing or closing practices. 

       

      (iii)  Origination
        Practices.
        No
        Mortgagor was encouraged or required to select a Mortgage Loan product offered
        by the Mortgage Loan’s originator which is a higher cost product designed for
        less creditworthy borrowers, unless at the time of the Mortgage Loan’s
        origination, such Mortgagor did not qualify taking into account credit history
        and debt-to-income ratios for a lower-cost credit product then offered by
        the
        Mortgage Loan’s originator or any affiliate of the Mortgage Loan’s originator.
        If, at the time of loan application, the Mortgagor may have qualified for
        a
        lower-cost credit product then offered by any mortgage lending affiliate
        of the
        Mortgage Loan’s originator, the Mortgage Loan’s originator referred the
        Mortgagor’s application to such affiliate for underwriting consideration;

       

      (jjj)  Underwriting
        Methodology.
        The
        methodology used in underwriting the extension of credit for each Mortgage
        Loan
        employs, in part, objective mathematical principles which relate the borrower’s
        income, assets and liabilities to the proposed payment and such underwriting
        methodology does not rely on the extent of the borrower’s equity in the
        collateral as the principal determining factor in approving such credit
        extension. Such underwriting methodology confirmed that at the time of
        origination (application/approval) the borrower had a reasonable ability
        to make
        timely payments on the Mortgage Loan; 

       

      (kkk)  Balloon
        Loans.
        No
        Mortgage Loan is a balloon mortgage loan that has an original stated maturity
        of
        less than seven (7) years; 

       

      (lll)  Disclosure
        of Points and Fees.
        All
        points and fees related to each Mortgage Loan were disclosed in writing to
        the
        Mortgagor in accordance with applicable state and federal law and regulation;
        

       

      (mmm)   Fees
        and Charges.
        All fees
        and charges (including finance charges) and whether or not financed, assessed,
        collected or to be collected in connection with the origination and servicing
        of
        each Mortgage Loan has been disclosed in writing to the Mortgagor in accordance
        with applicable state and federal law and regulation; and 

       

      (nnn)  Arbitration.
        With
        respect to any Mortgage Loan originated on or after August 1, 2004, neither
        the
        related Mortgage nor the related Mortgage Note requires the Mortgagor to
        submit
        to arbitration to resolve any dispute arising out of or relating in any way
        to
        the Mortgage Loan transaction.

       

      Subsection
        8.03  Remedies
        for Breach of Representations and Warranties.

       

      It
        is
        understood and agreed that the representations and warranties set forth in
        Subsections 8.01
        and 8.02
        shall
        survive the sale of the Mortgage Loans to the Purchaser and shall inure to
        the
        benefit of the Purchaser, notwithstanding any restrictive or qualified
        endorsement on any Mortgage Note or Assignment of Mortgage, subject to Section
        5, or the examination or failure to examine any Mortgage File. Upon discovery
        by
        either the Seller or the Purchaser of a breach of any of the foregoing
        representations and warranties, the party discovering such breach shall give
        prompt written notice to the other.

       

      Within
        60
        days of the earlier of either discovery by or notice to the Seller of any
        breach
        of a representation or warranty which materially and adversely affects the
        value
        of the Mortgage Loans or the interest of the Purchaser therein (or which
        materially and adversely affects the value of the applicable Mortgage Loan
        or
        the interest of the Purchaser therein in the case of a representation and
        warranty relating to a particular Mortgage Loan), the Seller shall use its
        best
        efforts promptly to cure such breach in all material respects and, if such
        breach cannot be cured, the Seller shall, at the Purchaser’s option, within
        thirty (30) calendar days of Seller’s receipt of request from the Purchaser,
        repurchase such Mortgage Loan at the Repurchase Price. Notwithstanding the
        above
        sentence, within 60 days of the earlier of either discovery by, or notice
        to,
        the Seller of any breach of the representations or warranties set forth in
        clauses (tt), (vv), (ww), (xx), (zz), (eee), (fff) or (nnn) of Subsection
        8.02,
        the
        Seller shall repurchase such Mortgage Loan at the Repurchase Price. In the
        event
        that such a breach shall involve any representation or warranty set forth
        in
Subsection 8.01,
        and
        such breach cannot be cured within 60 days of the earlier of either discovery
        by
        or notice to the Seller of such breach, all of the Mortgage Loans materially
        and
        adversely affected thereby shall, at the Purchaser’s option, be repurchased by
        the Seller at the Repurchase Price. Any repurchase of a Mortgage Loan or
        Loans
        pursuant to the foregoing provisions of this Subsection
        8.03
        shall be
        accomplished by direct remittance of the Repurchase Price to the Purchaser
        or
        its designee in accordance with the Purchaser’s instructions. With respect to
        any repurchase under this Subsection
        8.03:
        (i) the
        repurchase request must be made by the Purchaser in a prompt and timely manner
        and must contain reasonably sufficient information to enable the Seller to
        evaluate the request, including in the case of a first payment default, the
        payment history and collection comments, and (ii) with respect to any Mortgage
        Loan which was never included in a Securitization Transaction, the Purchaser
        shall use best efforts to notify the Seller of any known breach of a
        representation and warranty and require the Seller to repurchase such Mortgage
        Loan prior to foreclosure procedures commencing on such Mortgage
        Loan

       

      Upon
        receipt of the Repurchase Price, the Purchaser and the Seller shall arrange
        for
        the prompt reassignment of the Deleted Mortgage Loan to the Seller, free
        and
        clear of any lien, charge or encumbrance suffered or incurred by the Purchaser,
        and the delivery to the Seller of any documents held by the Purchaser or
        the
        Custodian relating to the Deleted Mortgage Loan (and in any event, within
        30
        days of the date the Seller repurchases the Mortgage Loan).

       

      In
        addition to such repurchase obligation, the Seller shall indemnify the Purchaser
        and the Successor Servicer and hold it harmless against any losses, damages,
        penalties, fines, forfeitures, reasonable and necessary legal fees and related
        costs, judgments, and other costs and expenses resulting from any claim,
        demand,
        defense or assertion based on or grounded upon, or resulting from, a breach
        of
        the Seller representations and warranties contained in this Agreement or
        any
        Reconstitution Agreement. It is understood and agreed that the obligations
        of
        the Seller set forth in this Subsection
        8.03
        to cure,
        or repurchase a defective Mortgage Loan and to indemnify the Purchaser as
        provided in this Subsection
        8.03
        constitute the sole remedies of the Purchaser and the Successor Servicer
        respecting a breach of the foregoing representations and warranties. For
        purposes of this paragraph, “Purchaser” shall mean the Person then acting as the
        Purchaser under this Agreement and any and all Persons who previously were
        “Purchasers” under this Agreement and “Successor Servicer” shall mean the Person
        then acting as the Successor Servicer under this Agreement and any and all
        Persons who previously were “Successor Servicers” under this
        Agreement.

       

      Upon
        the
        request of the Purchaser, the Seller hereby agrees to execute a recognition
        agreement in the form of Exhibit K
        hereto
        recognizing the servicer designated by the Purchaser therein as the Successor
        Servicer.

       

      Any
        cause
        of action against the Seller relating to or arising out of the breach of
        any
        representations and warranties made in Subsections
        8.01 and 8.02
        shall
        accrue as to any Mortgage Loan upon (i) discovery of such breach by the
        Purchaser or notice thereof by the Seller to the Purchaser, (ii) failure by
        the Seller to cure such breach or repurchase such Mortgage Loan as specified
        above and (iii) demand upon the Seller by the Purchaser for compliance with
        this Agreement.

       

      Subsection
        8.04   Repurchase
        of Mortgage Loans With Early Payment Defaults.

       

      With
        respect to each Mortgage Loan, if the related Mortgagor fails to make the
        first
        Monthly Payment due after the related Cut-off Date before the date which
        is 30
        days after the related Due Date (the “Early
        Payment Default Date”),
        the
        Seller, at the Purchaser’s option exercised in its sole discretion, shall,
        within thirty (30) calendar days of Seller’s receipt of notice of Purchaser’s
        request for repurchase, repurchase such Mortgage Loan from the Purchaser
        at a
        price equal to the Repurchase Price; provided, however, that Purchaser must
        request that Seller repurchase such Mortgage Loan within forty-five (45)
        days of
        the initial delinquency. 

       

      Subsection
        8.05  Purchaser’s
        Right to Review.

       

      Prior
        to
        the related Closing Date, the Purchaser or its designees shall have the right
        to
        perform on-site due diligence at the premises of the Seller with respect
        to the
        Mortgage Loans. The Seller will provide information and otherwise cooperate
        with
        the due diligence reviews of the Purchaser, its co-investor’s, its financial
        partner’s, and the rating agencies. The Seller shall make the legal files and
        the credit files, together with any payment histories, collection histories,
        bankruptcy histories, broker’s price opinions, to the extent available, and any
        other information with respect to the Mortgage Loans requested by the Purchaser,
        available at the Seller’s offices for review by Purchaser or its agents during
        normal business hours before the related Closing Date. The Purchaser shall
        have
        the right to order additional broker’s price opinions in its sole discretion at
        the Purchaser’s expense.

       

      The
        Purchaser shall have the right to reject any Mortgage Loan (a) for which
        the
        documentation listed in Section 6.03
        is
        missing or defective in whole or in part, (b) for which the related broker’s
        price opinion is below the appraisal provided in connection with the origination
        of the related Mortgage Loan, (c) for which the loan-to-value ratio calculated
        based upon the broker’s price opinion is greater than 100%, (d) which does not
        conform to the Seller’s underwriting guidelines, (e) which does not conform to
        the terms of the related Purchase Price and Terms Agreement or is in breach
        of
        the representations and warranties set forth in this Purchase Agreement,
        (f)
        that is not securitizable in the reasonable opinion of the Purchaser, or
        (g)
        which does not conform to the terms of any applicable federal, state, or
        local
        law or regulation. The Purchaser shall use its best efforts to notify the
        Seller
        of any such rejected Mortgage Loan immediately upon discovery.

       

      The
        fact
        that the Purchaser or its designees have conducted or failed to conduct any
        partial or complete examination of the files shall not affect the Purchaser’s
        (or any of its successor’s) rights to demand repurchase or other relief for
        breach of Mortgage Loan representations and warranties, missing or defective
        documents or as otherwise provided in this Agreement; provided, however,
        that
        Purchaser may not demand repurchase or other relief or remedy on the basis
        that
        a Mortgage Loan examined by Purchaser or its designee prior to purchase does
        not
        comply with the related Underwriting Guidelines.

       

      SECTION
        9.  Closing.

       

      Each
        closing for the purchase and sale of the Mortgage Loans shall take place
        on the
        related Closing Date. At the Purchaser’s option, each Closing shall be either:
        by telephone, confirmed by letter or wire as the parties shall agree, or
        conducted in person, at such place as the parties shall agree.

       

      The
        closing for the Mortgage Loans to be purchased on each Closing Date shall
        be
        subject to each of the following conditions:

       

      
        	(i)  	
                at
                  least two Business Days prior to the related Closing Date or such
                  later
                  date on which the Purchaser has identified to the Seller the final
                  list of
                  Mortgage Loans the Purchaser desires to purchase, the Seller shall
                  deliver
                  to the Purchaser via electronic medium a related Mortgage Loan
                  Schedule
                  acceptable to the Purchaser;

              

      

       

      
        	(ii)  	
                all
                  of the representations and warranties of the Seller under this
                  Agreement
                  shall be true and correct as of the related Closing Date and no
                  event
                  shall have occurred which, with notice or the passage of time,
                  would
                  constitute a default under this
                  Agreement;

              

      

       

      
        	(iii)  	
                the
                  Purchaser shall have received, or the Purchaser’s attorneys shall have
                  received in escrow, all Closing Documents as specified in Section 10
                  of
                  this Agreement, in such forms as are agreed upon and reasonably
                  acceptable
                  to the Purchaser, duly executed by all signatories other than the
                  Purchaser as required pursuant to the terms
                  hereof;

              

      

       

      
        	(iv)  	
                the
                  Seller shall have delivered and released to the Custodian all documents
                  required hereunder; and

              

      

       

      
        	(v)  	
                all
                  other terms and conditions of this Agreement and the related Purchase
                  Price and Terms Agreement shall have been complied
                  with.

              

      

       

      Subject
        to the foregoing conditions, the Purchaser shall pay to the Seller on the
        related Closing Date the Purchase Price, plus accrued interest pursuant to
        Section 4
        of this
        Agreement, by wire transfer of immediately available funds to the account(s)
        designated by the Seller.

       

      SECTION
        10.  Closing
        Documents.

       

      (a)  The
        Closing Documents for the Mortgage Loans to be purchased on the initial Closing
        Date shall consist of fully executed originals of the following
        documents:

       

      
        	1.  	
                this
                  Agreement;

              

      

       

      
        	2.  	
                the
                  Interim Servicing Agreement;

              

      

       

      
        	3.  	
                the
                  related Mortgage Loan Schedule, one copy to be attached hereto,
                  and one
                  copy to be attached to the Custodian’s counterpart of the Custodial
                  Agreement;

              

      

       

      
        	4.  	
                a
                  Custodian’s Certification, as required under this
                  Agreement;

              

      

       

      
        	5.  	
                an
                  Officer’s Certificate, in the form of Exhibit E
                  hereto with respect to the Seller, including all attachments
                  thereto;

              

      

       

      
        	6.  	
                an
                  Opinion of Counsel of the Seller (who may be an employee of the
                  Seller),
                  in the form of Exhibit F
                  hereto (“Opinion
                  of Counsel of the Seller”);

              

      

       

      
        	7.  	
                a
                  Security Release Certification, substantially in the form of Exhibit G
                  or H, as applicable,
                  hereto executed by any person, as requested by the Purchaser, if
                  any of
                  the Mortgage Loans have at any time been subject to any security
                  interest,
                  pledge or hypothecation for the benefit of such person;
                  and

              

      

       

      
        	8.  	
                a
                  certificate or other evidence of merger or change of name, signed
                  or
                  stamped by the applicable regulatory authority, if any of the Mortgage
                  Loans were acquired by the Seller by merger or acquired or originated
                  by
                  the Seller while conducting business under a name other than its
                  present
                  name, if applicable.

              

      

       

      (b)  The
        Closing Documents to be delivered on each Closing Date shall consist of fully
        executed originals of the following documents:

       

      
        	1.  	
                an
                  Assignment and Conveyance in the form of Exhibit M hereto, including
                  all
                  exhibits;

              

      

       

      
        	2.  	
                an
                  Acknowledgment Agreement in the form of Exhibit 6 to the Interim
                  Servicing
                  Agreement;

              

      

       

      
        	3.  	
                a
                  Purchase Price and Terms Agreement;

              

      

       

      
        	4.  	
                the
                  related Mortgage Loan Schedule, with one copy to be attached to
                  the
                  related Assignment and Conveyance;

              

      

       

      
        	5.  	
                each
                  of the documents required to be delivered by the Seller pursuant
                  to
                  Section 6.03 hereof;

              

      

       

      
        	6.  	
                the
                  initial certification of the Custodian with respect to the related
                  Mortgage Loan Package; 

              

      

       

      
        	7.  	
                a
                  Security Release Certification, substantially in the form of Exhibit 
                  H,
                  hereto executed by any person, as requested by the Purchaser, if
                  any of
                  the Mortgage Loans have at any time been subject to any security
                  interest,
                  pledge or hypothecation for the benefit of such person;
                  and

              

      

       

      
        	8.  	
                a
                  certificate or other evidence of merger or change of name, signed
                  or
                  stamped by the applicable regulatory authority, if any of the Mortgage
                  Loans were acquired by the Seller by merger or acquired or originated
                  by
                  the Seller while conducting business under a name other than its
                  present
                  name, if applicable.

              

      

       

      
        	9.  	
                if
                  requested by the Purchaser in connection with a material change
                  in
                  Seller’s financial condition or corporate structure, an updated Officer’s
                  Certificate, in the form of Exhibit
                  E
                  hereto, including all attachments thereto and an updated Opinion
                  of
                  Counsel of the Seller, in the form of Exhibit
                  F
                  hereto.

              

      

       

      The
        Seller shall bear the risk of loss of the closing documents until such time
        as
        they are received by the Purchaser or its attorneys.

       

      SECTION
        11.  Costs.

       

      The
        Purchaser shall pay its due diligence fees the fees and expenses of its counsel
        and the ongoing fees of its document custodian. All servicing fees incurred
        prior to the related Closing Date (other than servicing fees to be netted
        from
        payments collected for the account of the Purchaser), and all costs and expenses
        incurred in connection with the one-time transfer of the Mortgage Loans,
        including the fees to transfer files and prepare assignments/endorsements,
        all
        initial recording fees, if any, for the assignments of mortgage for all Mortgage
        Loans not recorded in the name of MERS, and all fees, if any, for transferring
        record ownership on the MERS system of Mortgage Loans recorded in the name
        of
        MERS, the costs associated with clearing exceptions, (including costs to
        record
        intervening assignments and any existing assumption and modification
        agreements), together with the fees and expenses of Seller’s counsel, shall be
        payable by the Seller. 

       

      SECTION
        12.  Cooperation
        of Seller with a Reconstitution.

       

      The
        Seller and the Purchaser agree that with respect to some or all of the Mortgage
        Loans, after the related Closing Date, on one or more dates (each a
“Reconstitution
        Date”)
        at the
        Purchaser’s sole option, the Purchaser may effect a sale (each, a “Reconstitution”)
        of
        some or all of the Mortgage Loans then subject to this Agreement, without
        recourse, to:

       

      
        	(i)  	
                one
                  or more third party purchasers in one or more Whole Loan Transfers;
                  or

              

      

       

      
        	(ii)  	
                one
                  or more trusts or other entities to be formed as part of one or
                  more
                  Securitization Transactions.

              

      

       

      With
        respect to each Whole Loan Transfer and each Securitization Transactions
        entered
        into by the Purchaser, the Seller agrees (1) to use its reasonable best
        efforts to cooperate with the Purchaser and any prospective purchaser with
        respect to all reasonable requests and due diligence procedures; (2) to restate
        as of the Reconstitution Date for the benefit of the Purchaser and the Successor
        Servicer, the same representations and warranties as to the Mortgage Loans
        as
        set forth herein, but modified, if necessary, to reflect changes due to events
        that may have occurred since the related Closing Date (including events which
        occur after the related Closing Date which are reasonably unknown to the
        Seller), and (3) to execute, deliver and perform a Reconstitution Agreement
        in connection with such Reconstitution setting forth such restated
        representations and warranties and the remedies for breach of same (which
        remedies will be the same as those set forth herein); provided that the Seller
        is given an opportunity to review and reasonably negotiate in good faith
        the
        content of all such Reconstitution Agreements. The Seller shall use its
        reasonable best efforts to provide to such master servicer or issuer, as
        the
        case may be, and any other participants or purchasers in such Reconstitution:
        (i) any and all information and appropriate verification of information
        which may be reasonably available to the Seller or its affiliates, whether
        through letters of its auditors and counsel or otherwise, as the Purchaser
        or
        any such other participant shall request (provided, if the Seller is required
        to
        engage a third party service provider to fulfill a Purchaser request pursuant
        to
        this subsection, the Purchaser shall reimburse the Seller for any reasonable
        out-of-pocket costs incurred by the Seller with respect to such service
        provider); (ii)  delivering an opinion of counsel as to customary corporate
        matters (which may be from in-house counsel) in form and substance reasonably
        satisfactory to the Seller and the Purchaser if requested by the Purchaser;
        and
        (iii) to execute, deliver and satisfy all conditions set forth in any
        indemnity agreement required by the Purchaser or any such participant (provided,
        that such agreement shall set forth an indemnity substantially similar to
        that
        set forth in this paragraph). Moreover, the Seller agrees to cooperate with
        all
        reasonable requests made by the Purchaser to effect such Reconstitution
        Agreements; provided, however, in no event shall the Seller be required to
        service into a subsequent securitization by the Purchaser and/or be a party
        to a
        Pooling and Servicing Agreement unless the Seller consents in its sole
        discretion. The Seller shall indemnify the Purchaser, each Affiliate designated
        by the Purchaser, each Person who controls the Purchaser or such Affiliate
        and
        the Successor Servicer and hold each of them harmless from and against any
        losses, damages, penalties, fines, forfeitures, reasonable and necessary
        legal
        fees and related costs, judgments, and any other costs, fees and expenses
        that
        each of them may sustain in any way related to any information provided by
        or on
        behalf of the Seller regarding the Seller, the Mortgage Loans or the related
        Underwriting Guidelines which is set forth in any offering document prepared
        in
        connection with any Reconstitution. For purposes of the previous sentence,
        “Purchaser” shall mean the Person then acting as the Purchaser under this
        Agreement and any and all Persons who previously were “Purchasers” under this
        Agreement. 

       

      All
        Mortgage Loans not sold or transferred pursuant to a Reconstitution shall
        remain
        subject to this Agreement and with respect thereto this Agreement shall remain
        in full force and effect.

       

      SECTION
        13.  The
        Seller.

       

      Subsection
        13.01  Additional
        Indemnification by the Seller.

       

      The
        Seller shall indemnify the Purchaser and the Successor Servicer and hold
        it
        harmless against any and all claims, losses, damages, penalties, fines,
        forfeitures, legal fees (including (without limitation) legal fees incurred
        in
        connection with the enforcement of the Seller’s indemnification obligation under
        this Subsection 13.01)
        and
        related reasonable costs, judgments, and any other reasonable costs, fees
        and
        expenses that the Purchaser or the Successor Servicer may sustain in any
        way
        related to the failure of the Seller to perform its duties under this Agreement
        or any breach of any of Seller’s representations, warranties or covenants set
        forth in this Agreement, and to perform its duties in strict compliance with
        the
        terms of any Reconstitution Agreement entered into pursuant to Section 12.

       

      Subsection
        13.02  Merger
        or Consolidation of the Seller.

       

      The
        Seller will keep in full effect its existence, rights and franchises as a
        corporation under the laws of the state of its incorporation except as permitted
        herein, and will obtain and preserve its qualification to do business as
        a
        foreign corporation in each jurisdiction in which such qualification is or
        shall
        be necessary to protect the validity and enforceability of this Agreement,
        or
        any of the Mortgage Loans and to perform its duties under this
        Agreement.

       

      Any
        Person into which the Seller may be merged or consolidated, or any corporation
        resulting from any merger, conversion or consolidation to which the Seller
        shall
        be a party, or any Person succeeding to the business of the Seller, shall
        be the
        successor of the Seller hereunder, without the execution or filing of any
        paper
        or any further act on the part of any of the parties hereto, anything herein
        to
        the contrary notwithstanding; provided, however, that the successor or surviving
        Person shall have a net worth of at least $25,000,000.

       

      SECTION
        14.  Financial
        Statements.

       

      Financial
        information regarding the Seller may be provided to prospective purchasers
        for a
        period of two (2) years following the related Closing Date; provided, however,
        that such information will be limited to the publicly available audited
        financial statements of the Seller.

       

      The
        Seller also agrees to allow reasonable access to a knowledgeable financial
        or
        accounting officer for the purpose of answering questions asked by any
        prospective purchaser regarding recent developments affecting the Seller
        or the
        financial statements of the Seller.

       

      SECTION
        15.  Mandatory
        Delivery; Grant of Security Interest.

       

      The
        sale
        and delivery on the related Closing Date of the Mortgage Loans in the related
        Mortgage Loan Package is mandatory from and after the date of the execution
        of
        the related Purchase Price and Terms Agreement, it being specifically understood
        and agreed that each such Mortgage Loan is unique and identifiable on the
        date
        hereof and that an award of money damages would be insufficient to compensate
        the Purchaser for the losses and damages incurred by the Purchaser (including
        damages to prospective purchasers of the Mortgage Loans) in the event of
        the
        Seller’s failure to deliver (i) each of the related Mortgage Loans or
        (ii)  one or more Mortgage Loans otherwise acceptable to the Purchaser on
        or before the related Closing Date. Upon the consummation of the transactions
        contemplated by this Agreement, the Seller hereby grants to the Purchaser
        a lien
        on and a continuing security interest in each Mortgage Loan and each document
        and instrument evidencing each such Mortgage Loan to secure the performance
        by
        the Seller of its obligations under the related Purchase Price and Terms
        Agreement, and the Seller agrees that it shall hold such Mortgage Loans in
        custody for the Purchaser subject to the Purchaser’s (i) right to reject
        any Mortgage Loan under the terms of this Agreement and to require another
        Mortgage Loan to be substituted therefor, and (ii) obligation to pay the
        Purchase Price for the Mortgage Loans. Subject to Subsection 8.03,
        all
        rights and remedies of the Purchaser under this Agreement are distinct from,
        and
        cumulative with, any other rights or remedies under this Agreement or afforded
        by law or equity and all such rights and remedies may be exercised concurrently,
        independently or successively.

       

      SECTION
        16.  Notices.

       

      All
        demands, notices and communications hereunder shall be in writing and shall
        be
        deemed to have been duly given if mailed, by registered or certified mail,
        return receipt requested, or, if by other means, when received by the other
        party at the address as follows:

       

      
        	 	
                (i)

              	
                if
                  to the Seller:

              

      

       

      Accredited
        Home Lenders, Inc.

      15090
        Avenue of Science

      San
        Diego, CA 92128

      Attention:
        Director of Operations

      Telephone:
        858-676-2100

      Fax:
        858-676-8114

      

       

      (ii)         
         if
        to the
        Purchaser:

       

      Goldman
        Sachs Mortgage Company

      85
        Broad
        Street 

      27th
        Floor

      New
        York,
        New York 10004

      Attention:
        Eugene Gorelik

       

      or
        such
        other address as may hereafter be furnished to the other party by like notice.
        Any such demand, notice or communication hereunder shall be deemed to have
        been
        received on the date delivered to or received at the premises of the addressee
        (as evidenced, in the case of registered or certified mail, by the date noted
        on
        the return receipt).

       

      SECTION
        17.  Severability
        Clause.

       

      Any
        part,
        provision, representation or warranty of this Agreement which is prohibited
        or
        unenforceable or is held to be void or unenforceable in any jurisdiction
        shall
        be ineffective, as to such jurisdiction, to the extent of such prohibition
        or
        unenforceability without invalidating the remaining provisions hereof, and
        any
        such prohibition or unenforceability in any jurisdiction as to any Mortgage
        Loan
        shall not invalidate or render unenforceable such provision in any other
        jurisdiction. To the extent permitted by applicable law, the parties hereto
        waive any provision of law which prohibits or renders void or unenforceable
        any
        provision hereof. If the invalidity of any part, provision, representation
        or
        warranty of this Agreement shall deprive any party of the economic benefit
        intended to be conferred by this Agreement, the parties shall negotiate,
        in
        good-faith, to develop a structure the economic effect of which is nearly
        as
        possible the same as the economic effect of this Agreement without regard
        to
        such invalidity.

       

      SECTION
        18.  Counterparts.

       

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

       

      SECTION
        19.  Governing
        Law.

       

      This
        Agreement shall be deemed in effect when a fully executed counterpart thereof
        is
        received by the Purchaser in the State of New York and shall be deemed to
        have
        been made in the State of New York. The Agreement shall be construed in
        accordance with the laws of the State of New York and the obligations, rights
        and remedies of the parties hereunder shall be determined in accordance with
        the
        substantive laws of the State of New York (without regard to conflicts of
        laws
        principles), except to the extent preempted by Federal law.

       

      SECTION
        20.  Intention
        of the Parties.

       

      It
        is the
        intention of the parties that the Purchaser is purchasing, and the Seller
        is
        selling the Mortgage Loans in each Mortgage Loan Package and not a debt
        instrument of the Seller or another security. Accordingly, the parties hereto
        each intend to treat the transaction for Federal income tax purposes and
        accounting purposes as a sale by the Seller, and a purchase by the Purchaser,
        of
        the Mortgage Loans. Moreover, the arrangement under which the Mortgage Loans
        are
        held shall be consistent with classification of such arrangement as a grantor
        trust in the event it is not found to represent direct ownership of the Mortgage
        Loans. The Purchaser shall have the right to review the Mortgage Loans and
        the
        related Mortgage Loan Files to determine the characteristics of the Mortgage
        Loans which shall affect the Federal income tax consequences of owning the
        Mortgage Loans and the Seller shall cooperate with all reasonable requests
        made
        by the Purchaser in the course of such review.

       

      SECTION
        21.  Successors
        and Assigns; Assignment of Purchase Agreement.

       

      This
        Agreement shall bind and inure to the benefit of and be enforceable by the
        Seller and the Purchaser and the respective permitted successors and assigns
        of
        the Seller and the successors and assigns of the Purchaser. Except as set
        forth
        under Section 13.02
        above,
        this Agreement shall not be assigned, pledged or hypothecated by the Seller
        to a
        third party without the prior written consent of the Purchaser, which consent
        may be withheld by the Purchaser in its sole discretion. This Agreement may
        be
        assigned, pledged or hypothecated by the Purchaser in whole or in part, and
        with
        respect to one or more of the Mortgage Loans, with written notice to the
        Seller.
        There shall be no limitation on the number of assignments or transfers allowable
        by the Purchaser with respect to the Mortgage Loans and this Agreement. In
        the
        event the Purchaser assigns this Agreement, and the assignee assumes any
        of the
        Purchaser’s obligations hereunder, the Seller acknowledges and agrees to look
        solely to such assignee, and not to the Purchaser, for performance of the
        obligations so assumed. The Purchaser shall deliver written notice to the
        Seller
        of any such assumption of the Purchaser’s obligations and upon delivery thereof
        the Purchaser shall be relieved from any liability to the Seller with respect
        to
        such obligations. The Successor Servicer shall be an intended third party
        beneficiary of this Agreement to the same extent as if it were a party hereto,
        and shall have the right to enforce the provisions of this
        Agreement.

       

      SECTION
        22.  Waivers.

       

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

       

      SECTION
        23.  Exhibits.

       

      The
        exhibits to this Agreement are hereby incorporated and made a part hereof
        and
        are an integral part of this Agreement.

       

      SECTION
        24.  General
        Interpretive Principles.

       

      For
        purposes of this Agreement, except as otherwise expressly provided or unless
        the
        context otherwise requires:

       

      (a)  the
        terms
        defined in this Agreement have the meanings assigned to them in this Agreement
        and include the plural as well as the singular, and the use of any gender
        herein
        shall be deemed to include the other gender;

       

      (b)  accounting
        terms not otherwise defined herein have the meanings assigned to them in
        accordance with generally accepted accounting principles;

       

      (c)  references
        herein to “Articles,” “Sections,” “Subsections,” “Paragraphs,” and other
        subdivisions without reference to a document are to designated Articles,
        Sections, Subsections, Paragraphs and other subdivisions of this
        Agreement;

       

      (d)  reference
        to a Subsection without further reference to a Section is a reference to
        such
        Subsection as contained in the same Section in which the reference appears,
        and
        this rule shall also apply to Paragraphs and other subdivisions;

       

      (e)  the
        words
“herein,” “hereof,” “hereunder” and other words of similar import refer to this
        Agreement as a whole and not to any particular provision; and

       

      (f)  the
        term
“include” or “including” shall mean without limitation by reason of
        enumeration.

       

      SECTION
        25.  Reproduction
        of Documents.

       

      This
        Agreement and all documents relating thereto, including, without limitation,
        (a) consents, waivers and modifications which may hereafter be executed,
        (b) documents received by any party at the closing, and (c) financial
        statements, certificates and other information previously or hereafter
        furnished, may be reproduced by any photographic, photostatic, microfilm,
        micro-card, miniature photographic or other similar process. The parties
        agree
        that any such reproduction shall be admissible in evidence as the original
        itself in any judicial or administrative proceeding, whether or not the original
        is in existence and whether or not such reproduction was made by a party
        in the
        regular course of business, and that any enlargement, facsimile or further
        reproduction of such reproduction shall likewise be admissible in
        evidence.

       

      SECTION
        26.  Further
        Agreements.

       

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

       

      SECTION
        27.  Recordation
        of Assignments of Mortgage.

       

      To
        the
        extent permitted by applicable law, for Mortgage Loans which are not registered
        with MERS, each of the Assignments of Mortgage is subject to recordation
        in the
        appropriate public offices for real property records in the county or other
        comparable jurisdiction in which the related Mortgaged Property is situated,
        such recordation to be effected at the Seller’s expense in the event recordation
        is either necessary under applicable law or requested by the Purchaser at
        its
        sole option.

       

      SECTION
        28.  No
        Solicitation.

       

      From
        and
        after the related Closing Date, the Seller agrees that it will not take any
        action or cause any action to be taken by any of its agents or affiliates,
        or by
        any independent contractors on the Seller’s behalf, to personally, by telephone
        or mail, solicit the borrower or obligor under any Mortgage Loan for any
        purpose
        whatsoever, including to refinance a Mortgage Loan, in whole or in part,
        without
        the prior written consent of the Purchaser. It is understood and agreed that
        all
        rights and benefits relating to the solicitation of any Mortgagors and the
        attendant rights, title and interest in and to the list of such Mortgagors
        and
        data relating to their Mortgages (including insurance renewal dates) shall
        be
        transferred to the Purchaser pursuant hereto on the related Closing Date
        and the
        Seller shall take no action to undermine these rights and benefits.
        Notwithstanding the foregoing, it is understood and agreed that promotions
        undertaken by the Seller or any affiliate of the Seller which are directed
        to
        the general public at large, including, without limitation, mass mailing
        based
        on commercially acquired mailing lists, newspaper, internet (other than targeted
        e-mail) radio and television advertisements shall not constitute solicitation
        under this Section 28.

       

      SECTION
        29.  Confidentiality.

       

      The
        Seller and Purchaser understand and agree that this Agreement, any other
        agreements executed in connection with the sale contemplated hereunder, any
        agreements executed in connection with any Reconstitution, and any offering
        circulars or other disclosure documents produced in connection with any
        Reconstitution are confidential and proprietary to the Purchaser or Seller,
        and
        the Seller and Purchaser agree to hold such documents confidential and not
        to
        divulge such documents to anyone except (a) to the extent required by law
        or
        judicial order or to enforce its rights or remedies under this Agreement,
        (b) to
        the extent such information enters into the public domain other than through
        the
        wrongful act of the Seller or the Purchaser, as the case may be, (c) as is
        necessary in working with legal counsel, rating agencies, auditors, agents,
        taxing authorities or other governmental agencies or (d) the federal income
        tax
        treatment of the transactions hereunder, any fact relevant to understanding
        the
        federal tax treatment of the transactions hereunder, and all materials of
        any
        kind (including opinions or other tax analyses) relating to such federal
        income
        tax treatment; provided that the Seller may not disclose the name of or
        identifying information with respect to Purchaser or any pricing terms or
        other
        nonpublic business or financial information that is unrelated to the purported
        or claimed federal income tax treatment of the transactions hereunder and
        is not
        relevant to understanding the purported or claimed federal income tax treatment
        of the transactions hereunder. Notwithstanding the foregoing, the Seller
        may
        disclose (i) in its periodic public filings the Purchaser’s name and the
        total dollar amount of Mortgage Loans purchased by the Purchaser during the
        related period and (ii) the Purchaser’s identity and the Purchase Price in
        connection with obtaining the release of the liens of the Seller’s warehouse
        lenders.

       

      SECTION
        30.  Waiver
        of Trial by Jury.

       

      THE
        SELLER AND THE PURCHASER EACH KNOWINGLY, VOLUNTARILY AND INTENTIONALLY WAIVES
        TO
        THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW ANY RIGHT IT MAY HAVE TO A
        TRIAL
        BY JURY OF ANY DISPUTE ARISING UNDER OR RELATING TO THIS AGREEMENT OR THE
        TRANSACTIONS CONTEMPLATED HEREBY.

       

      SECTION
        31.  Submission
        To Jurisdiction; Waivers.

       

      The
        Seller and the Purchaser each hereby irrevocably and
        unconditionally:

       

      (A) SUBMITS
        FOR ITSELF AND ITS PROPERTY IN ANY LEGAL ACTION OR PROCEEDING RELATING TO
        THIS
        AGREEMENT, OR FOR RECOGNITION AND ENFORCEMENT OF ANY JUDGMENT IN RESPECT
        THEREOF, TO THE NON-EXCLUSIVE GENERAL JURISDICTION OF THE COURTS OF THE STATE
        OF
        NEW YORK, THE FEDERAL COURTS OF THE UNITED STATES OF AMERICA FOR THE SOUTHERN
        DISTRICT OF NEW YORK, AND APPELLATE COURTS FROM ANY THEREOF;

       

      (B) CONSENTS
        THAT ANY SUCH ACTION OR PROCEEDING MAY BE BROUGHT IN SUCH COURTS AND, TO
        THE
        EXTENT PERMITTED BY LAW, WAIVES ANY OBJECTION THAT IT MAY NOW OR HEREAFTER
        HAVE
        TO THE VENUE OF ANY SUCH ACTION OR PROCEEDING IN ANY SUCH COURT OR THAT SUCH
        ACTION OR PROCEEDING WAS BROUGHT IN AN INCONVENIENT COURT AND AGREES NOT
        TO
        PLEAD OR CLAIM THE SAME;

       

      (C) AGREES
        THAT SERVICE OF PROCESS IN ANY SUCH ACTION OR PROCEEDING MAY BE EFFECTED
        BY
        MAILING A COPY THEREOF BY REGISTERED OR CERTIFIED MAIL (OR ANY SUBSTANTIALLY
        SIMILAR FORM OF MAIL), POSTAGE PREPAID, TO ITS ADDRESS SET FORTH HEREIN OR
        AT
        SUCH OTHER ADDRESS OF WHICH THE OTHER PARTY SHALL HAVE BEEN NOTIFIED;
        AND

       

      (D) AGREES
        THAT NOTHING HEREIN SHALL AFFECT THE RIGHT TO EFFECT SERVICE OF PROCESS IN
        ANY
        OTHER MANNER PERMITTED BY LAW OR SHALL LIMIT THE RIGHT TO SUE IN ANY OTHER
        JURISDICTION.

       

      SECTION
        32.  Compliance
        with Regulation AB.

       

      Subsection
        32.01 Intent
        of the Parties; Reasonableness.

       

      The
        Purchaser and the Seller acknowledge and agree that the purpose of Section 32
        of this
        Agreement is to facilitate compliance by the Purchaser and any Depositor
        with
        the provisions of Regulation AB and related rules and regulations of the
        Commission. Although Regulation AB is applicable by its terms only to offerings
        of asset-backed securities that are registered under the Securities Act,
        the
        Seller acknowledges that investors in privately offered securities may require
        that the Purchaser or any Depositor provide comparable disclosure in
        unregistered offerings. References in this Agreement to compliance with
        Regulation AB include provision of comparable disclosure in private
        offerings.

       

      Neither
        the Purchaser nor any Depositor shall exercise its right to request delivery
        of
        information or other performance under these provisions other than in good
        faith, or for purposes other than compliance with the Securities Act, the
        Exchange Act and the rules and regulations of the Commission thereunder (or
        the
        provision in a private offering of disclosure comparable to that required
        under
        the Securities Act). The Seller acknowledges that interpretations of the
        requirements of Regulation AB may change over time, whether due to
        interpretive guidance provided by the Commission or its staff, consensus
        among
        participants in the asset-backed securities markets, advice of counsel, or
        otherwise, and agrees to comply with requests made by the Purchaser or any
        Depositor in good faith for delivery of information under these provisions
        on
        the basis of evolving interpretations of Regulation AB. Furthermore, the
        Purchaser and the Company agree that if any such changes in the interpretations
        of the requirements of Regulation AB materially affect this Section 32, then
        the
        Purchaser and the Seller will amend such affected provisions. In connection
        with
        the above, the Purchaser agrees to give the Seller prompt notice of changes
        in
        the requirements of Regulation AB that might affect Seller’s obligations under
        this Section. In connection with any Securitization Transaction, the Seller
        shall cooperate fully with the Purchaser to deliver to the Purchaser (including
        any of its assignees or designees) and any Depositor, any and all statements,
        reports, certifications, records and any other information necessary in the
        good
        faith determination of the Purchaser or any Depositor to permit the Purchaser
        or
        such Depositor to comply with the provisions of Regulation AB, together
        with such disclosures relating to the Seller, any Third-Party Originator
        and the
        Mortgage Loans, reasonably believed by the Purchaser or any Depositor to
        be
        necessary in order to effect such compliance.

       

      The
        Purchaser (including any of its assignees or designees) shall cooperate with
        the
        Seller by providing timely notice of requests for information under these
        provisions and by reasonably limiting such requests to information required,
        in
        the Purchaser’s reasonable judgment, to comply with Regulation AB.

       

      Subsection
        32.02  Additional
        Representations and Warranties of the Seller.

       

      (a)  The
        Seller shall be deemed to represent to the Purchaser and to any Depositor,
        as of
        the date on which information is first provided to the Purchaser or any
        Depositor under Subsection 32.03
        that,
        except as disclosed in writing to the Purchaser or such Depositor prior to
        such
        date: (i) there are no material legal or governmental proceedings pending
        (or known to be contemplated) against the Seller or any Third-Party Originator;
        and (ii) there are no affiliations, relationships or transactions relating
        to the Seller or any Third-Party Originator with respect to any Securitization
        Transaction and any party thereto identified by the related Depositor of
        a type
        described in Item 1119 of Regulation AB.

       

      (b)  If
        so
        requested by the Purchaser or any Depositor on any date following the date
        on
        which information is first provided to the Purchaser or any Depositor under
        Subsection 32.03,
        the
        Seller shall, within five (5) Business Days following such request, confirm
        in
        writing the accuracy of the representations and warranties set forth in
        paragraph (a) of this Section or, if any such representation and warranty
        is not accurate as of the date of such request, provide reasonably adequate
        disclosure of the pertinent facts, in writing, to the requesting
        party.

       

      Subsection
        32.03  Information
        To Be Provided by the Seller.

       

      In
        connection with any Securitization Transaction the Seller shall (i) within
        five (5) Business Days following request by the Purchaser or any Depositor,
        provide to the Purchaser and such Depositor (or, as applicable, cause each
        Third-Party Originator to provide), in writing and in form and substance
        reasonably satisfactory to the Purchaser and such Depositor, the information
        and
        materials specified in paragraphs (a) and (b) of this Subsection, and
        (ii) as promptly as practicable following notice to or discovery by the
        Seller, provide to the Purchaser and any Depositor (in writing and in form
        and
        substance reasonably satisfactory to the Purchaser and such Depositor) the
        information specified in paragraph (d) of this Subsection.
        Notwithstanding the foregoing, it is understood and agreed that (1) the
        information required pursuant to Items 1103(a)(1), 1110(a) and 1119 of
        Regulation AB (including the information required pursuant to subparts (a)(A),
        (a)(D) and (c)(i)(B) of this Subsection 32.03) shall only be required to
        the
        extent that mortgage loans originated by the Seller or a Third Party Originator,
        as the case may be, in the related Securitization Transaction comprise 10%
        or
        more (or such other percentage as may be required from time to time under
        Regulation AB) of the aggregate pool of mortgage loans in such Securitization
        Transaction, (2) the information required pursuant to Items 1110(b) and 1117
        of
        Regulation AB (including the information required pursuant to subparts (a)(B),
        (a)(C) and (c)(i)(A) of this Subsection 32.03) shall only be required to
        the
        extent that mortgage loans originated by the Seller or a Third Party Originator,
        as the case may be, in the related Securitization Transaction comprise 20%
        or
        more (or such other percentage as may be required from time to time under
        Regulation AB) of the aggregate pool of mortgage loans in such Securitization
        Transaction and (3) the information required pursuant to Item 1105 of Regulation
        AB (including the information required pursuant to subpart (b) below) shall
        only
        be required in Securitization Transactions in which such Static Pool Information
        is material, as determined by the Purchaser or Depositor in its sole reasonable
        determination of the requirements of Regulation AB. Notwithstanding the
        foregoing, neither the Purchaser nor any Depositor shall exercise its right
        to
        request delivery of such information or other performance under these provisions
        other than in good faith or for purposes other than compliance with the
        Securities Act, the Exchange Act and the rules and regulations of the Commission
        thereunder.

       

      (a)  Subject
        to the provisions of the preceding paragraph, if so requested by the Purchaser
        or any Depositor, the Seller shall provide such information regarding
        (i) the Seller, as originator of the Mortgage Loans (including as an
        acquirer of Mortgage Loans from a Qualified Correspondent), or (ii) each
        Third-Party Originator, as is requested for the purpose of compliance with
        Items
        1103(a)(1), 1105, 1110, 1117 and 1119 of Regulation AB. Such information
        shall include, at a minimum.

       

      (i)  
        the
        originator’s form of organization;

       

      (ii)  a
        description of the originator’s origination program and how long the originator
        has been engaged in originating residential mortgage loans, which description
        shall include a discussion of the originator’s experience in originating
        mortgage loans of a similar type as the Mortgage Loans; information regarding
        the size and composition of the originator’s origination portfolio; and
        information that may be material, in the good faith judgment of the Purchaser
        or
        any Depositor, to an analysis of the performance of the Mortgage Loans,
        including the originator’s credit-granting or underwriting criteria for mortgage
        loans of similar type(s) as the Mortgage Loans and such other information
        as the
        Purchaser or any Depositor may reasonably request for the purpose of compliance
        with Item 1110(b)(2) of Regulation AB;

       

      (iii)  a
        description of any material legal or governmental proceedings pending (or
        known
        to be contemplated) against the Seller and each Third-Party Originator;
        and

       

      (iv)  a
        description of any affiliation or relationship between the Seller, each
        Third-Party Originator and any of the following parties to a Securitization
        Transaction, as such parties are identified to the Seller by the Purchaser
        or
        any Depositor in writing in advance of such Securitization
        Transaction:

       

      (1)  the
        sponsor;

      (2)  the
        depositor;

      (3)  the
        issuing entity;

      (4)  any
        servicer;

      (5)  any
        trustee;

      (6)  any
        originator;

      (7)  any
        significant obligor;

      (8)  any
        enhancement or support provider; and

      (9)  any
        other
        material transaction party.

      

       

      (b)  Subject
        to the provisions of the initial paragraph, if so requested by the Purchaser
        or
        any Depositor, the Seller shall provide (or, as applicable, cause each Third
        Party Originator to provide) Static Pool Information with respect to the
        mortgage loans (of a similar type as the Mortgage Loans, as reasonably
        identified by the Purchaser as provided below) originated by (i) the Seller,
        if
        the Seller is an originator of Mortgage Loans (including as an acquirer of
        Mortgage Loans from a Qualified Correspondent), and/or (ii) each Third Party
        Originator. Such Static Pool Information shall be prepared by the Seller
        (or
        Third Party Originator) on the basis of its reasonable, good faith
        interpretation of the requirements of Item 1105(a)(1) (3) of Regulation AB.
        To
        the extent that there is reasonably available to the Seller (or Third Party
        Originator) Static Pool Information with respect to more than one mortgage
        loan
        type, the Purchaser or any Depositor shall be entitled to specify whether
        some
        or all of such information shall be provided pursuant to this paragraph.
        The
        content of such Static Pool Information may be in the form customarily provided
        by the Seller, and need not be customized for the Purchaser or any Depositor.
        Such Static Pool Information for each vintage origination year or prior
        securitized pool, as applicable, shall be presented in increments no less
        frequently than quarterly over the life of the mortgage loans included in
        the
        vintage origination year or prior securitized pool. The most recent periodic
        increment must be as of a date no later than 135 days prior to the date of
        the
        prospectus or other offering document in which the Static Pool Information
        is to
        be included or incorporated by reference. The Static Pool Information shall
        be
        provided in an electronic format that provides a permanent record of the
        information provided, such as a portable document format (pdf) file, or other
        such electronic format reasonably required by the Purchaser or the Depositor,
        as
        applicable.

       

      Promptly
        following notice or discovery of a material error in Static Pool Information
        provided pursuant to the immediately preceding paragraph (including an omission
        to include therein information required to be provided pursuant to such
        paragraph), the Seller shall provide corrected Static Pool Information to
        the
        Purchaser or any Depositor, as applicable, in the same format in which Static
        Pool Information was previously provided to such party by the
        Seller.

       

      If
        so
        requested by the Purchaser or any Depositor, the Seller shall provide (or,
        as
        applicable, cause each Third-Party Originator to provide), at the expense
        of the
        requesting party (to the extent of any additional incremental expense associated
        with delivery pursuant to this Agreement), such agreed-upon procedures letters
        of certified public accountants reasonably acceptable to the Purchaser or
        Depositor, as applicable, pertaining to Static Pool Information relating
        to
        prior securitized pools for securitizations closed on or after January 1,
        2006 or, in the case of Static Pool Information with respect to the Seller’s or
        Third-Party Originator’s originations or purchases, to calendar months
        commencing January 1, 2006, as the Purchaser or such Depositor shall
        reasonably request. Such statements and letters shall be addressed to and
        be for
        the benefit of such parties as the Purchaser or such Depositor shall designate,
        which may include, by way of example, any Sponsor, any Depositor and any
        broker
        dealer acting as underwriter, placement agent or initial purchaser with respect
        to a Securitization Transaction. Any such statement or letter may take the
        form
        of a standard, generally applicable document accompanied by a reliance letter
        authorizing reliance by the addressees designated by the Purchaser or such
        Depositor.

       

      (c)  [Reserved].

       

      (d)  Subject
        to the provisions of the initial paragraph, if so requested by the Purchaser
        or
        any Depositor for the purpose of satisfying its reporting obligation under
        the
        Exchange Act with respect to any class of asset-backed securities, the Seller
        shall (or shall cause each Third-Party Originator to) (i) notify the
        Purchaser and any Depositor in writing of (A) any material litigation or
        governmental proceedings pending against the Seller or any Third-Party
        Originator and (B) any affiliations or relationships that develop following
        the closing date of a Securitization Transaction between the Seller or any
        Third-Party Originator and any of the parties specified in
        clause (vi) of paragraph (a) of this Subsection (and any
        other parties identified in writing by the requesting party) with respect
        to
        such Securitization Transaction, and (ii) provide to the Purchaser and any
        Depositor a description of such proceedings, affiliations or
        relationships.

       

      With
        respect to those Mortgage Loans that were originated by Seller and sold to
        the
        Purchaser pursuant to this Agreement, the Purchaser shall, to the extent
        consistent with then-current industry practice, cause any subsequent servicer
        (or another party to a securitization) under the applicable servicing agreement
        to be obligated to provide, information with respect to the Mortgage Loans
        (the
“Seller
        Loan Information”)
        from
        and after the transfer date necessary for the Seller to comply with its
        obligations under Regulation AB, including, without limitation, providing
        to the
        Seller static pool information, as set forth in Item 1105(a)(2) and (3) of
        Regulation AB.

       

      Subsection
        32.04  Indemnification.

       

      The
        Seller shall indemnify the Purchaser, each affiliate of the Purchaser, and
        each
        of the following parties participating in a Securitization Transaction: each
        sponsor and issuing entity; each Person responsible for the preparation,
        execution or filing of any report required to be filed with the Commission
        with
        respect to such Securitization Transaction, or for execution of a certification
        pursuant to Rule 13a-14(d) or Rule 15d-14(d) under the Exchange Act
        with respect to such Securitization Transaction; each broker dealer acting
        as
        underwriter, placement agent or initial purchaser, each Person who controls
        any
        of such parties or the Depositor (within the meaning of Section 15 of the
        Securities Act and Section 20 of the Exchange Act); and the respective
        present and former directors, officers, employees and agents of each of the
        foregoing and of the Depositor, and shall hold each of them harmless from
        and
        against any losses, damages, penalties, fines, forfeitures, legal fees and
        expenses and related costs, judgments, and any other costs, fees and expenses
        that any of them may sustain arising out of or based upon:

       

      (1)(i) any
        untrue statement of a material fact contained or alleged to be contained
        in any
        information, report, certification, accountants’ letter or other material
        provided in written or electronic form under this Section 32
        by or on
        behalf of the Seller, or provided under this Section 32
        by or on
        behalf of any Third-Party Originator (collectively, the “Seller
        Information”),
        or
(ii)
        the
        omission or alleged omission to state in the Seller Information a material
        fact
        required to be stated in the Seller Information or necessary in order to
        make
        the statements therein, in the light of the circumstances under which they
        were
        made, not misleading; provided, by way of clarification, that
        clause (B) of this paragraph shall be construed solely by
        reference to the Seller Information and not to any other information
        communicated in connection with a sale or purchase of securities, without
        regard
        to whether the Seller Information or any portion thereof is presented together
        with or separately from such other information;

       

      (2)  any
        failure by the Seller or any Third-Party Originator to deliver any information,
        report, certification, accountants’ letter or other material when and as
        required under this Section 32;
        or

       

      (3)  any
        breach by the Seller of a representation or warranty set forth in Subsection 32.02(a)
        or in a
        writing furnished pursuant to Subsection 32.02(b)
        and made
        as of a date prior to the closing date of the related Securitization
        Transaction, to the extent that such breach is not cured by such closing
        date,
        or any breach by the Seller of a representation or warranty in a writing
        furnished pursuant to Subsection 32.02(b)
        to the
        extent made as of a date subsequent to such closing date.

       

      In
        the
        case of any failure of performance described in clause (a)(ii) of this
        Section, the Seller shall promptly reimburse the Purchaser, any Depositor,
        as
        applicable, and each Person responsible for the preparation, execution or
        filing
        of any report required to be filed with the Commission with respect to such
        Securitization Transaction, or for execution of a certification pursuant
        to
        Rule 13a-14(d) or Rule 15d-14(d) under the Exchange Act with respect
        to such Securitization Transaction, for all costs reasonably incurred by
        each
        such party in order to obtain the information, report, certification,
        accountants’ letter or other material not delivered as required by the Seller or
        any Third-Party Originator. 

       

      The
        Purchaser shall, or shall cause the Servicer to, indemnify the Seller, each
        affiliate of the Seller, each Person who controls any of such parties (within
        the meaning of Section 15 of the Securities Act and Section 20 of the
        Exchange Act); and the respective present and former directors, officers,
        employees and agents of each of the foregoing and hold such Persons harmless
        from and against any losses, damages, penalties, fines, forfeitures, reasonable
        legal fees and expenses and related costs, judgments, and any other costs,
        fees
        and expenses that it may sustain arising out of or based upon (A) any untrue
        statement of a material fact contained or alleged to be contained in the
        Seller
        Loan Information or (B) the omission or alleged omission of a material fact
        required to be stated in the Seller Loan Information or necessary in order
        to
        make the statements therein, in the light of the circumstances under which
        they
        were made, not misleading; provided, by way of clarification, that clause
        (B) of
        this paragraph shall be construed solely by reference to the Seller Loan
        Information and not to any other information communicated in connection with
        a
        sale or purchase of securities, without regard to whether the Seller Loan
        Information or any portion thereof is presented together with or separately
        from
        such other information. 

       

      [Signatures
        Commence on Following Page]

       

       

      

 

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

       

      IN
        WITNESS WHEREOF, the Seller and the Purchaser have caused their names to
        be
        signed hereto by their respective officers thereunto duly authorized as of
        the
        date first above written.

       

      
        	 	 	 
	 	GOLDMAN
                SACHS MORTGAGE COMPANY,
                a
                New York limited partnership
	 	
                (Purchaser)

              
	 
 	 
 	 
 
	 	By:	
                GOLDMAN
                  SACHS REAL ESTATE FUNDING CORP., 

                a
                  New York corporation, as General Partner

              
	 	 	 
	 	
                By:  

              	 
	 	
                Name: 
                  

              	 
	 	Title:	 
	 	  	 

      

       

      
        	 	 	 
	 	
                ACCREDITED
                  HOME LENDERS, INC.

              
	 	
                (Seller)

              
	 
 	 
 	 
 
	 	By:	
                GOLDMAN
                  SACHS REAL ESTATE FUNDING CORP., 

                a
                  New York corporation, as General Partner

              
	 	 	 
	 	
                By:  

              	 
	 	
                Name: 
                  

              	 
	 	Title:	 
	 	  	 

 

       

       

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

       

      
        Exhibit
          A

      

       

      EXHIBIT
        A

       

      CONTENTS
        OF EACH MORTGAGE FILE

       

      With
        respect to each Mortgage Loan, the Mortgage File shall include each of the
        following items, which shall be available for inspection by the Purchaser
        and
        any prospective Purchaser, and which shall be delivered to the Custodian,
        or to
        such other Person as the Purchaser shall designate in writing, pursuant to
        Section 6 of the Amended and Restated Flow Mortgage Loan Purchase and
        Warranties Agreement to which this Exhibit is attached (the “Agreement”):

       

      (b)  the
        original Mortgage Note bearing all intervening endorsements, endorsed “Pay to
        the order of _________, without recourse” and signed in the name of the last
        endorsee (the “Last
        Endorsee”)
        by an
        authorized officer. To the extent that there is no room on the face of the
        Mortgage Notes for endorsements, the endorsement may be contained on an allonge,
        if state law so allows. If the Mortgage Loan was acquired by the Seller in
        a
        merger, the endorsement must be by “[Last Endorsee], successor by merger to
        [name of predecessor]”. If the Mortgage Loan was acquired or originated by the
        Last Endorsee while doing business under another name, the endorsement must
        be
        by “[Last Endorsee], formerly known as [previous name]”;

       

      (c)  the
        original Mortgage with evidence of recording thereon; 

       

      (d)  the
        originals of all assumption, modification, consolidation or extension
        agreements, if any, with evidence of recording thereon;

       

      (e)  except
        with respect to each MERS Designated Mortgage Loan, the original Assignment
        of
        Mortgage for each Mortgage Loan, in form and substance acceptable for recording.
        The Assignment of Mortgage must be duly recorded only if recordation is either
        necessary under applicable law or commonly required by private institutional
        mortgage investors in the area where the Mortgaged Property is located or
        on
        direction of the Purchaser as provided in this Agreement. If the Assignment
        of
        Mortgage is to be recorded, the Mortgage shall be assigned to the Purchaser.
        If
        the Assignment of Mortgage is not to be recorded, the Assignment of Mortgage
        shall be delivered in blank. If the Mortgage Loan was acquired by the Seller
        in
        a merger, the Assignment of Mortgage must be made by “[Seller], successor by
        merger to [name of predecessor]”. If the Mortgage Loan was acquired or
        originated by the Seller while doing business under another name, the Assignment
        of Mortgage must be by “[Seller], formerly known as [previous
        name]”;

       

      (f)  the
        originals of all intervening assignments of mortgage (if any) evidencing
        a
        complete chain of assignment from the Seller to the Last Endorsee (or to
        MERS
        with respect to each MERS Designated Mortgage Loan) with
        evidence of recording thereon;

       

      (g)  the
        original mortgagee policy of title insurance or, in the event such original
        title policy is unavailable, a copy of the related policy binder, preliminary
        report or commitment for title; and

       

      (h)  Any
        security agreement, chattel mortgage or equivalent document executed in
        connection with the Mortgage.

       

      If
        in
        connection with any Mortgage Loan, the Seller cannot deliver or cause to
        be
        delivered an original document with evidence of recording thereon on or prior
        to
        the related Closing Date because of a delay caused by the public recording
        office where such document has been delivered for recordation or because
        such
        document has been lost or because such public recording office retains the
        original recorded document, the Seller shall deliver or cause to be delivered
        to
        the Custodian, a photocopy of such document, together with (i) in the case
        of a
        delay caused by the public recording office, a copy of such document certified
        by an Authorized Signatory of the Seller (or certified by the title company,
        escrow agent, or closing attorney) to be a true and correct copy of such
        document dispatched to the appropriate public recording office for recordation,
        and the original recorded document will be promptly delivered to the Custodian
        upon receipt thereof by the Seller; or (ii) in the case of a document where
        a
        public recording office retains the original recorded document or in the
        case
        where a document is lost after recordation in a public recording office,
        a copy
        of such document certified by such public recording office to be a true and
        complete copy of the original recorded document.

       

      
 

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

       

      
        Exhibit
          B

       

      EXHIBIT
        B

       

      CONTENTS
        OF EACH CREDIT FILE

       

      (a)  Any
        security agreement, chattel mortgage or equivalent executed in connection
        with
        the Mortgage.

       

      (b)  Evidence
        of the original hazard insurance policy and, if required by law, flood insurance
        policy.

       

      (c)  Residential
        loan application.

       

      (d)  Mortgage
        Loan closing statement.

       

      (e)  All
        applicable verification of employment and income except for Mortgage Loans
        originated under a Limited Documentation Program.

       

      (f)  Verification
        of acceptable evidence of source and amount of downpayment, if
        applicable.

       

      (g)  Credit
        report on the Mortgagor.

       

      (h)  Residential
        appraisal report.

       

      (i)  Photograph
        of the Mortgaged Property.

       

      (j)  Survey
        of
        the Mortgaged Property, if any.

       

      (k)  Copy
        of
        each instrument necessary to complete identification of any exception set
        forth
        in the exception schedule in the title policy, i.e., map or plat, restrictions,
        easements, sewer agreements, home association declarations, etc.

       

      (l)  All
        required disclosure statements (other than the 3-day packages, copies of
        which
        shall be retained by the Seller and made available upon request).

       

      (m)  If
        available, termite report, structural engineer’s report, water potability and
        septic certification.

       

      (n)  
        Sales
        contract, if it is a purchase transaction.

       

      (o)  Tax
        receipts, insurance premium receipts, ledger sheets, payment history from
        date
        of origination, insurance claim files, correspondence, current and historical
        computerized data files, and all other processing, underwriting and closing
        papers and records which are customarily contained in a mortgage loan file
        and
        which are required to document the Mortgage Loan or to service the Mortgage
        Loan.

       

      (p)  The
        original power of attorney, if applicable, with evidence of recording thereon,
        or a certified copy thereof.

      

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

      Exhibit
        C

       

      EXHIBIT
        C

       

      MORTGAGE
        LOAN SCHEDULE FIELDS

       

      (1)  the
        Seller’s Mortgage Loan identifying number; 

       

      (2)  the
        Mortgagor’s name; 

       

      (3)  the
        street address of the Mortgaged Property including the city, state and zip
        code;

       

      (4)  a
        code
        indicating whether the Mortgaged Property is owner-occupied, a second home
        or
        investment property; 

       

      (5)  the
        number and type of residential units constituting the Mortgaged Property
        (i.e. a
        single family residence, a 2-4 family residence, a unit in a condominium
        project
        or a unit in a planned unit development, manufactured housing);

       

      (6)  a
        code
        indicating whether the Mortgage Loan is secured by a leasehold
        estate;

       

      (7)  the
        original months to maturity or the remaining months to maturity from the
        related
        Cut-off Date, in any case based on the original amortization schedule and,
        if
        different, the maturity expressed in the same manner but based on the actual
        amortization schedule; 

       

      (8)  with
        respect to First Lien Loans, the LTV at the origination; 

       

      (9)  with
        respect to Second Lien Loans, the CLTV at the origination;

       

      (10)  with
        respect to Second Lien Loans, the outstanding principal balance of the senior
        mortgage loan; 

       

      (11)  a
        code
        indicating whether the Mortgage Loan is a piggyback loan:

       

      (12)  the
        Mortgage Interest Rate as of the related Cut-off Date; 

       

      (13)  the
        date
        on which the Monthly Payment was due on the Mortgage Loan and, if such date
        is
        not consistent with the Due Date currently in effect, such Due Date;

       

      (14)  the
        stated maturity date; 

       

      (15)  the
        amount of the Monthly Payment as of the related Cut-off Date; 

       

      (16)  the
        last
        payment date on which a payment was actually applied to the outstanding
        principal balance; 

       

      (17)  the
        original principal amount of the Mortgage Loan; 

       

      (18)  the
        principal balance of the Mortgage Loan as of the close of business on the
        related Cut-off Date, after deduction of payments of principal due and collected
        on or before the related Cut-off Date; 

       

      (19)  with
        respect to Adjustable Rate Mortgage Loans, the Interest Rate Adjustment Date;
        

       

      (20)  with
        respect to Adjustable Rate Mortgage Loans, the Gross Margin; 

       

      (21)  with
        respect to Adjustable Rate Mortgage Loans, the Lifetime Rate Cap under the
        terms
        of the Mortgage Note; 

       

      (22)  with
        respect to Adjustable Rate Mortgage Loans, a code indicating the type of
        Index;

       

      (23)  with
        respect to Adjustable Rate Mortgage Loans, the Periodic Rate Cap under the
        terms
        of the Mortgage Note; 

       

      (24)  with
        respect to Adjustable Rate Mortgage Loans, the Periodic Rate Cap at the initial
        interest rate adjustment date;

       

      (25)  with
        respect to the Mortgagor, monthly income;

       

      (26)  Current
        LTV;

       

      (27)  with
        respect to Adjustable Rate Mortgage Loans, the next interest rate adjustment
        date;

       

      (28)  first
        time homebuyer flag;

       

      (29)  a
        code
        indicating the race of the Mortgagor;

       

      (30)  a
        code
        indicating the gender of the Mortgagor;

       

      (31)  with
        respect to Adjustable Rate Mortgage Loans, the Periodic Rate Floor under
        the
        terms of the Mortgage Note; 

       

      (32)  the
        type
        of Mortgage Loan (i.e., Fixed Rate, Adjustable Rate, First Lien, Second Lien
        and/or balloon Mortgage Loan); 

       

      (33)  a
        code
        indicating the purpose of the loan (i.e., purchase, rate and term refinance,
        equity take-out refinance); 

       

      (34)  a
        code
        indicating the documentation style (i.e. full, alternative or reduced);

       

      (35)  the
        loan
        credit classification (as described in the related Underwriting Guidelines);
        

       

      (36)  whether
        such Mortgage Loan provides for a Prepayment Penalty;

       

      (37)  the
        Prepayment Penalty period of such Mortgage Loan, if applicable; 

       

      (38)  a
        description of the Prepayment Penalty, if applicable (which may be delivered
        separately); 

       

      (39)  the
        Mortgage Interest Rate as of origination; 

       

      (40)  the
        credit risk score (FICO score) at origination; 

       

      (41)  the
        date
        of origination; 

       

      (42)  the
        Mortgage Interest Rate adjustment period; 

       

      (43)  the
        Mortgage Interest Rate adjustment percentage; 

       

      (44)  the
        Mortgage Interest Rate floor; 

       

      (45)  the
        Mortgage Interest Rate calculation method (i.e., 30/360, simple interest,
        other); 

       

      (46)  the
        Current CLTV; 

       

      (47)  the
        Due
        Date for the first Monthly Payment; 

       

      (48)  the
        original Monthly Payment due; 

       

      (49)  with
        respect to the related Mortgagor, the debt-to-income ratio; 

       

      (50)  the
        Appraised Value of the Mortgaged Property; 

       

      (51)  the
        sales
        price of the Mortgaged Property if the Mortgage Loan was originated in
        connection with the purchase of the Mortgaged Property; 

       

      (52)  the
        MERS
        Identification Number; 

       

      (53)  with
        respect to Adjustable Rate Mortgage Loans, the Index; and 

       

      (54)  a
        code
        indicating if the Mortgage Loan is a High Cost Loan as such term is defined
        in
        the then current Standard & Poor’s LEVELS® Glossary. 

       

      With
        respect to the Mortgage Loans in the aggregate: 

       

      (1)  the
        number of Mortgage Loans; 

       

      (2)  the
        current aggregate outstanding principal balance of the Mortgage
        Loans;

       

      (3)  the
        weighted average Mortgage Interest Rate of the Mortgage Loans; and 

       

      (4)  the
        weighted average maturity of the Mortgage Loans.

       

      
 

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

       

      
        Exhibit
          D

      

       

      EXHIBIT
        D

       

      [INTENTIONALLY
        OMITTED]

      

       

      

 

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

       

      
        Exhibit
          E

       

      EXHIBIT
        E

       

      SELLER’S
        OFFICER’S CERTIFICATE

       

      I,
        ____________________, hereby certify that I am the duly elected
        [Executive/Assistant] [Vice] President of ________________ Accredited Home
        Lenders, Inc., a [state] [federally] chartered institution organized under
        the
        laws of the [state of ____________] [United States] (the “Company”)
        and
        further as follows:

       

      1.  Attached
        hereto as Exhibit
        1
        is a
        true, correct and complete copy of the charter of the Company which is in
        full
        force and effect on the date hereof and which has been in effect without
        amendment, waiver, rescission or modification.

       

      2.  Attached
        hereto as Exhibit
        2
        is a
        true, correct and complete copy of the bylaws of the Company which are in
        effect
        on the date hereof and which have been in effect without amendment, waiver,
        rescission or modification.

       

      3.  Attached
        hereto as Exhibit
        3
        is an
        original certificate of good standing of the Company issued within ten days
        of
        the date hereof, and no event has occurred since the date thereof which would
        impair such standing.

       

      4.  Attached
        hereto as Exhibit
        4
        is a
        true, correct and complete copy of the corporate resolutions of the Board
        of
        Directors of the Company authorizing the Company to execute and deliver
        agreements such as the Amended and Restated Flow Mortgage Loan Purchase and
        Warranties Agreement, dated as of December 1, 2005, by and between Goldman
        Sachs
        Mortgage Company (the “Purchaser”)
        and
        the Company (the “Purchase
        Agreement”),
        and
        to endorse the Mortgage Notes and execute the Assignments of Mortgages by
        original [or facsimile] signature], and such resolutions are in effect on
        the
        date hereof and have been in effect without amendment, waiver, rescission
        or
        modification. 

       

      5.  Either
        (i) no consent, approval, authorization or order of any court or
        governmental agency or body is required for the execution, delivery and
        performance by the Company of or compliance by the Company with the Purchase
        Agreement, the Interim Servicing Agreement or the sale of the mortgage loans
        or
        the consummation of the transactions contemplated by such Agreement; or
        (ii) any required consent, approval, authorization or order has been
        obtained by the Company.

       

      6.  Neither
        the consummation of the transactions contemplated by, nor the fulfillment
        of the
        terms of the Purchase Agreement conflicts or will conflict with or results
        or
        will result in a breach of or constitutes or will constitute a default under
        the
        charter or by-laws of the Company, the terms of any indenture or other agreement
        or instrument to which the Company is a party or by which it is bound or
        to
        which it is subject, or any statute or order, rule, regulations, writ,
        injunction or decree of any court, governmental authority or regulatory body
        to
        which the Company is subject or by which it is bound.

       

      7.  Except
        as
        disclosed by the Company to the Purchaser and attached to the Purchase Agreement
        as Exhibit L,
        there
        is no action, suit, proceeding or investigation pending or to the best of
        my
        knowledge, threatened against the Company which, in my judgment, either in
        any
        one instance or in the aggregate, is likely to result in any material adverse
        change in the business, operations, financial condition, properties or assets
        of
        the Company or in any material impairment of the right or ability of the
        Company
        to carry on its business substantially as now conducted or in any material
        liability on the part of the Company or which would draw into question the
        validity of the Purchase Agreement, or the mortgage loans or of any action
        taken
        or to be taken in connection with the transactions contemplated hereby, or
        which
        would be likely to impair materially the ability of the Company to perform
        under
        the terms of the Purchase Agreement.

       

      8.  Each
        person listed on Exhibit 5
        attached
        hereto who, as an officer or representative of the Company, signed (a) the
        Purchase Agreement, and (b) any other document delivered before or on the
        date hereof in connection with any purchase described in the agreements set
        forth above was, at the respective times of such signing and delivery, a
        duly
        elected or appointed, qualified and acting officer or representative of the
        Company, who holds the office set forth opposite his or her name on Exhibit
        5,
        and the
        signatures of such persons appearing on such documents are their genuine
        signatures.

       

      9.  The
        Company is duly authorized to engage in the transactions described and
        contemplated in the Purchase Agreement.

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

      IN
        WITNESS WHEREOF, I have hereunto signed my name and affixed the seal of the
        Company.

       

      
        
          	Dated:____________________ 	By:___________________________
	 	Name:_________________________
	[Seal] 	
                  Title: [Executive/Assistant]
                    [Vice] President

                

        

      

       

       

      I,
        ________________________, an [Assistant] Secretary of ______________ Accredited
        Home Lenders, Inc., hereby certify that ____________ is the duly elected,
        qualified and acting [Executive/Assistant] [Vice] President of the Company
        and
        that the signature appearing above is [her] [his] genuine
        signature.

       

      IN
        WITNESS WHEREOF, I have hereunto signed my name.

       

      
        	Dated:____________________ 	By:___________________________
	 	Name:_________________________
	 	
                Title: [Assistant]
                  Secretary

              

      

       

       

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

      EXHIBIT
        5
        to

      Company’s
        Officer’s Certificate

      

      
        	
                NAME

              	 	
                TITLE

              	 	
                SIGNATURE

              
	 	 	 	 	 
	 	 	 	 	 
	 	 	 	 	 
	 	 	 	 	 
	 	 	 	 	 
	 	 	 	 	 
	 	 	 	 	 
	 	 	 	 	 

      

      

       

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

       

      EXHIBIT
        F

       

      FORM
        OF OPINION OF COUNSEL TO THE SELLER 

       

      (date)

       

      Goldman
        Sachs Mortgage Company

      85
        Broad
        Street 

      New
        York,
        New York 10004

       

      Dear
        Sirs:

       

      You
        have
        requested [our] [my] opinion, as [Assistant] General Counsel to Accredited
        Home
        Lenders, Inc. (the “Company”),
        with
        respect to certain matters in connection with the sale by the Company of
        the
        Mortgage Loans pursuant to that certain Flow Mortgage Loan Purchase and
        Warranties Agreement by and between the Company and Goldman Sachs Mortgage
        Company (the “Purchaser”),
        dated
        as of December 1, 2005 (the “Purchase
        Agreement”)
        which
        sale is in the form of whole loans. Capitalized terms not otherwise defined
        herein have the meanings set forth in the Purchase Agreement.

       

      [We]
        [I]
        have examined the following documents:

       

      
        	1.  	
                the
                  Purchase Agreement;

              

      

       

      
        	2.  	
                the
                  form of Assignment of Mortgage;

              

      

       

      
        	3.  	
                the
                  form of endorsement of the Mortgage Notes;
                  and

              

      

       

      
        	4.  	
                such
                  other documents, records and papers as we have deemed necessary
                  and
                  relevant as a basis for this
                  opinion.

              

      

       

      To
        the
        extent [we] [I] have deemed necessary and proper, [we] [I] have relied upon
        the
        representations and warranties of the Company contained in the Purchase
        Agreement. [We] [I] have assumed the authenticity of all documents submitted
        to
        [us] [me] as originals, the genuineness of all signatures, the legal capacity
        of
        natural persons and the conformity to the originals of all
        documents.

       

      Based
        upon the foregoing, it is [our] [my] opinion that:

       

      
        	1.  	
                The
                  Company is a [type of entity] duly organized, validly existing
                  and in good
                  standing under the laws of ___________ and is qualified to transact
                  business in, and is in good standing under, the laws of [the state
                  of
                  incorporation].

              

      

       

      
        	2.  	
                The
                  Company has the power to engage in the transactions contemplated
                  by the
                  Purchase Agreement and all requisite power, authority and legal
                  right to
                  execute and deliver the Purchase Agreement and to perform and observe
                  the
                  terms and conditions of the Purchase
                  Agreement.

              

      

       

      
        	3.  	
                The
                  Purchase Agreement has been duly authorized, executed and delivered
                  by the
                  Company, and is a legal, valid and binding agreement enforceable
                  in
                  accordance with its respective terms against the Company, subject
                  to
                  bankruptcy laws and other similar laws of general application affecting
                  rights of creditors and subject to the application of the rules
                  of equity,
                  including those respecting the availability of specific performance,
                  none
                  of which will materially interfere with the realization of the
                  benefits
                  provided thereunder or with the Purchaser’s ownership of the Mortgage
                  Loans.

              

      

       

      
        	4.  	
                The
                  Company has been duly authorized to allow certain of its officers
                  to
                  execute any and all documents by original signature in order to
                  complete
                  the transactions contemplated by the Purchase
                  Agreement.

              

      

       

      
        	5.  	
                The
                  Company has been duly authorized to allow certain of its officers
                  to
                  execute by original [or facsimile] signature the endorsements to
                  the
                  Mortgage Notes and any Assignments of Mortgages, and the original
                  [or
                  facsimile] signature of the officer at the Company executing the
                  endorsements to the Mortgage Notes and the Assignments of Mortgages
                  represents the legal and valid signature of said officer of the
                  Company.

              

      

       

      
        	6.  	
                Either
                  (i) no consent, approval, authorization or order of any court or
                  governmental agency or body is required for the execution, delivery
                  and
                  performance by the Company of or compliance by the with the Purchase
                  Agreement and the sale of the Mortgage Loans by the Company or
                  the
                  consummation of the transactions contemplated by the Purchase Agreement
                  or
                  (ii) any required consent, approval, authorization or order has been
                  obtained by the Company.

              

      

       

      
        	7.  	
                Neither
                  the consummation of the transactions contemplated by, nor the fulfillment
                  of the terms of, the Purchase Agreement conflicts or will conflict
                  with or
                  results or will result in a breach of or constitutes or will constitute
                  a
                  default under the charter or by-laws of the Company, the terms
                  of any
                  indenture or other agreement or instrument to which the Company
                  is a party
                  or by which it is bound or to which it is subject, or violates
                  any statute
                  or order, rule, regulations, writ, injunction or decree of any
                  court,
                  governmental authority or regulatory body to which the Company
                  is subject
                  or by which it is bound.

              

      

       

      
        	8.  	
                Except
                  as previously disclosed by the Company to the Purchaser and amended
                  to the
                  Purchase Agreement as Exhibit L, there is no action, suit, proceeding
                  or investigation pending or, to the best of [our] [my] knowledge,
                  threatened against the Company which, in [our] [my] judgment, either
                  in
                  any one instance or in the aggregate, may result in any material
                  adverse
                  change in the business, operations, financial condition, properties
                  or
                  assets of the Company or in any material impairment of the right
                  or
                  ability of the Company to carry on its business substantially as
                  now
                  conducted or in any material liability on the part of the Company
                  or which
                  would draw into question the validity of the Agreements to which
                  it is a
                  party or the Mortgage Loans or of any action taken or to be taken
                  in
                  connection with the transactions contemplated thereby, or which
                  would be
                  likely to impair materially the ability of the Company to perform
                  under
                  the terms of the Agreements.

              

      

       

      
        	9.  	
                The
                  sale of each Mortgage Note and Mortgage as and in the manner contemplated
                  by the Purchase Agreement is sufficient to fully transfer to the
                  Purchaser
                  all right, title and interest of the Company thereto as noteholder
                  and
                  mortgagee.

              

      

       

      
        	10.  	
                I
                  have reviewed the form of Assignment of Mortgage for a Mortgage
                  Loan
                  secured by a Mortgaged Property located in the State of California,
                  and
                  upon the completion of all blanks in such form with appropriate
                  information, such form would be acceptable for recording in the
                  State of
                  California. The endorsement of the Mortgage Notes, the delivery
                  to the
                  Purchaser, or its designee, of any Assignments of Mortgage, the
                  transfer
                  to the Purchaser, or its designee, in the MERS System of beneficial
                  ownership of each MERS Designated Mortgage Loan, and the delivery
                  of the
                  original endorsed Mortgage Notes to the Purchaser, or its designee,
                  are
                  sufficient to permit the Purchaser or its designee to avail itself
                  of all
                  protection available under applicable law against the claims of
                  any
                  present or future creditors of the Company, and are sufficient
                  to prevent
                  any other sale, transfer, assignment, pledge or hypothecation of
                  the
                  Mortgages and the Mortgage Notes by the Company from being
                  enforceable.

              

      

       

      I
        am
        admitted to the bar of the State of California, and I express no opinion
        as to
        the laws of any other jurisdiction except as to matters that are governed
        by
        federal law. This opinion is given to you for your sole benefit, and no other
        person or entity is entitled to rely hereon except that the purchaser or
        purchasers to which you initially and directly resell the Mortgage Loans
        may
        rely on this opinion as if it were addressed to them as of its date. I make
        no
        undertaking to supplement or update this opinion if, after the date hereof,
        facts or circumstances come to my attention or changes in the law occur which
        could affect such opinion.

       

      
         

        
          	 	Very truly yours,
	 	 
	 	 
	 	_________________________
	 	
                  [Name]

                
	 	
                  [Assistant]
                    General Counsel

                

        

         

      

       

       

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

       

      EXHIBIT
        G

       

      [INTENTIONALLY
        OMITTED]

      

       

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

       

      EXHIBIT
        H

       

      FORM
        OF SECURITY RELEASE CERTIFICATION

       

      I.  Release
        of Security Interest

       

      Upon
        receipt of the sum of $_________ in immediately available funds in accordance
        with wiring instructions separately provided, the financial institution named
        below hereby relinquishes any and all right, title and interest it may have
        in
        the Mortgage Loans identified in the attached schedule to be purchased by
        Goldman Sachs Mortgage Company from Accredited Home Lenders, Inc. (the
“Company”),
        and
        certifies that all notes, mortgages, assignments and other documents in its
        possession relating to such Mortgage Loans have been delivered and released
        to
        the Company named below or its designees, as of the date and time of the
        sale of
        such Mortgage Loans to Goldman Sachs Mortgage Company.

       

      Name
        and
        Address of Financial Institution

       

      ________________________________

      (name)

       

      ________________________________

      (Address)

       

      By:_____________________________

       

       

      
 

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

      

       

      II.  Certification
        of Release

       

      The
        Company named below hereby certifies to Goldman Sachs Mortgage Company that,
        as
        of the date and time of the sale of the above-mentioned Mortgage Loans to
        Goldman Sachs Mortgage Company, the security interests in the Mortgage Loans
        released by the above-named financial institution comprise all security
        interests relating to or affecting any and all such Mortgage Loans. The Company
        warrants that, as of such time, there are and will be no other security
        interests affecting any or all of such Mortgage Loans.

       

      _____________________________

       

      By:__________________________

       

      Title:_________________________

       

      Date:_________________________

       

       

      

 

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

      

       

      EXHIBIT
        I

       

      [INTENTIONALLY
        OMITTED]

       

      

      

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

      

       

      EXHIBIT
        J

       

      [INTENTIONALLY
        OMITTED]

       

      

 

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

       

      EXHIBIT
        K

       

      SERVICER
        ACKNOWLEDGMENT

       

      As
        of
        [_________]

       

      Accredited
        Home Lenders, Inc.

      [Street]

      [City,
        State]

       

      

       

      
        	Re:  	
                Letter
                  Agreement in connection with the purchase by Goldman Sachs Mortgage
                  Company (the “Purchaser”)
                  and the sale by Accredited Home Lenders, Inc. (the “Company”) of mortgage
                  loans pursuant to that certain Amended and Restated Flow Mortgage
                  Loan
                  Purchase and Warranties Agreement (the “Agreement”), dated as of December
                  1, 2005, by and between the Company and the
                  Purchaser

              

      

       

      Ladies
        and Gentlemen:

       

      In
        connection with the above-referenced transaction, and in consideration of
        the
        mutual agreements hereinafter set forth, and for other good and valuable
        consideration, the receipt and sufficiency of which is hereby acknowledged,
        the
        Purchaser and the Company hereby agree as follows:

       

      
        	1.  	
                Unless
                  otherwise specified in this letter agreement, all capitalized terms
                  herein
                  shall have the meaning as provided in the
                  Agreement.

              

      

       

      
        	2.  	
                The
                  Purchaser hereby requests, and the Company hereby acknowledges,
                  that
                  [SERVICER] shall be the “Successor Servicer” under the
                  agreement.

              

      

       

      
        	3.  	
                This
                  letter may be executed in any number of counterparts each of which
                  shall
                  constitute one and the same instrument, and either party hereto
                  may
                  execute this letter by signing any such
                  counterpart.

              

      

       

      [the
        remainder of this page intentionally left blank]

      

       

       

      

 

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

       

      
        	4.  	
                This
                  letter shall be deemed in effect when a fully executed counterpart
                  thereof
                  is received by the Company in the State of New York and shall be
                  deemed to
                  have been made in the State of New York. This letter shall be construed
                  in
                  accordance with the laws of the State of New York, and the obligations,
                  rights and remedies of the parties hereunder shall be determined
                  in
                  accordance with the laws of the State of New York except to the
                  extent
                  preempted by Federal law.

              

      

       

      
        	 	
                Very
                  truly yours,

              
	 	 
	 	
                GOLDMAN
                  SACHS MORTGAGE COMPANY

              
	 	 
	 	By:________________________________________
	 	 
	 	Name:
                ______________________________________
	 	 
	 	Title:_______________________________________
	 	 
	Accepted and Agreed:	 
	 	 
	ACCREDITED HOME LENDERS, INC.	 
	 	 
	By:________________________________________	 
	 	 
	Name:
                ______________________________________	 
	 	 
	Title:_______________________________________	 

      

       

       

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

       

      

       

      EXHIBIT
        L

       

      LITIGATION

       

      (excerpted
        from Accredited’s Form 10-Q filed for quarter ended September 30,
        2005)

       

      In
        December 2002, we were served with a complaint and motion for class
        certification in a class action lawsuit, Wratchford et al. v. Accredited
        Home
        Lenders, Inc., brought in Madison County, Illinois under the Illinois Consumer
        Fraud and Deceptive Business Practices Act, the consumer protection statutes
        of
        the other states in which we do business and the common law of unjust
        enrichment. The complaint alleges that we have a practice of misrepresenting
        and
        inflating the amount of fees we pay to third parties in connection with the
        residential mortgage loans that we fund. The plaintiffs claim to represent
        a
        nationwide class consisting of others similarly situated, that is, those
        who
        paid us to pay, or reimburse our payments of, third-party fees in connection
        with residential mortgage loans and never received a refund for the difference
        between what they paid and what was actually paid to the third party. The
        plaintiffs are seeking to recover damages on behalf of themselves and the
        class,
        in addition to pre-judgment interest, post-judgment interest, and any other
        relief the court may grant. On January 28, 2005, the court issued an order
        conditionally certifying (1) a class of Illinois residents with respect to
        the
        alleged violation of the Illinois Consumer Fraud and Deceptive Business
        Practices Act who, since November 19, 1997, paid money to us for third-party
        fees in connection with residential mortgage loans and never received a refund
        of the difference between the amount they paid us and the amount we paid
        the
        third party and (2) a nationwide class of claimants with respect to an unjust
        enrichment cause of action included in the original complaint who, since
        November 19, 1997 paid money to us for third-party fees in connection with
        residential mortgage loans and never received a refund of the difference
        between
        the amount they paid us and the amount we paid the third party. The court
        conditioned its order limiting the statutory consumer fraud act claims to
        claimants in the State of Illinois on the outcome of a case pending before
        the
        Illinois Supreme Court in which one of the issues is the propriety of certifying
        a nationwide class based on the Illinois Consumer Fraud and Deceptive Business
        Practices Act. That case has now been decided in a manner favorable to our
        position, and, in light of this ruling, we have filed with the court a motion
        for reconsideration of the court’s order granting class certification, or in the
        alternative, the court’s denial of our request for leave to take an
        interlocutory appeal of such order. If our motion for reconsideration is
        denied,
        we intend to petition the Illinois Supreme Court for a supervisory order
        reversing the lower court’s class certification decision. There has not yet been
        a ruling on that petition or the merits of either the plaintiffs’ individual
        claims or the claims of the class, and the ultimate outcome of this matter
        and
        the resulting liability, if any, are not presently determinable. We intend
        to
        continue to vigorously defend this matter and we do not believe it will have
        a
        material adverse effect on our business.

       

      In
        January 2004, we were served with a complaint, Yturralde v. Accredited Home
        Lenders, Inc., brought in Sacramento County, California. The named plaintiff
        is
        a former commissioned loan officer of ours, and the complaint alleges that
        we
        violated California and federal law by misclassifying the plaintiff and other
        non-exempt employees as exempt employees, failing to pay the plaintiff on
        an
        hourly basis and for overtime worked, and failing to properly and accurately
        record and maintain payroll information. The plaintiff seeks to recover,
        on
        behalf of himself and all of our other similarly situated current and former
        employees, lost wages and benefits, general damages, multiple statutory
        penalties and interest, attorneys’ fees and costs of suit, and also seeks to
        enjoin further violations of wage and overtime laws and retaliation against
        employees who complain about such violations. We have been served with eleven
        substantially similar complaints on behalf of certain other former and current
        employees, which have been consolidated with the Yturralde action. We have
        appealed the court’s denial of our motion to compel arbitration of the
        consolidated cases, and a resolution of that appeal is not expected before
        early
        2006. In the meantime, discussions are ongoing between the parties regarding
        potential settlement or mediation of the claims, and we have pursued and
        effected settlements directly with many current and former employees covered
        by
        the allegations of the complaints. A motion to certify a class has not yet
        been
        filed, and there has been no ruling on the merits of either the plaintiffs’
individual claims or the claims of the putative class. We do not believe
        these
        matters will have a material adverse effect on our business, but, at the
        present
        time, the ultimate outcome of the litigation and the resulting liability,
        if
        any, are not determinable.

       

      In
        June
        2005, we were served with a complaint, Williams et al. v. Accredited Home
        Lenders, Inc., brought in United States District Court for the Northern District
        of Georgia. The two named plaintiffs are former commissioned loan officers
        of
        ours, and the complaint alleges that we violated federal law by requiring
        the
        plaintiffs to work overtime without compensation. The plaintiffs seek to
        recover, on behalf of themselves and other similarly situated employees,
        the
        allegedly unpaid overtime, liquidated damages, attorneys’ fees and costs of
        suit. A motion to certify a collective class has not yet been filed, and
        there
        has been no ruling on the merits of either the plaintiffs’ individual claims or
        the claims of the putative class, and the ultimate outcome of this matter
        and
        the resulting liability, if any, are not presently determinable. We intend
        to
        vigorously defend this matter and do not believe it will have a material
        adverse
        effect on our business.

       

      In
        September 2005, we were served with a class action complaint, Phillips v.
        Accredited Home Lenders Holding Company, et al., brought in the United States
        District Court, Central District of California. The complaint alleges violations
        of the Fair Credit Reporting Act in connection with prescreened offers of
        credit
        which we have made. The plaintiff seeks to recover, on behalf of herself
        and
        similarly situated individuals, damages, pre-judgment interest, declaratory
        and
        injunctive relief, and any other relief the court may grant. A motion to
        certify
        a class has not yet been filed, and there has been no ruling on the merits
        of
        either the plaintiff’s individual claims or the claims of the putative class. We
        intend to vigorously defend this matter. If, however, a class were to be
        certified and were to prevail on the merits, the potential liability could
        have
        a material adverse effect on our business. The ultimate outcome of this matter
        and the resulting liability, if any, are not presently
        determinable.

       

      Accredited
        has accrued for loss contingencies with respect to the foregoing matters
        to the
        extent it is probable that a liability has been occurred at the date of the
        consolidated financial statements and the amount of the loss can be reasonably
        estimated. Management does not deem the amount of such accruals to be
        material.

       

      In
        addition, because the nature of our business involves the collection of numerous
        accounts, the validity of liens and compliance with various state and federal
        lending laws, we are subject to various legal proceedings in the ordinary
        course
        of business related to foreclosures, bankruptcies, condemnation and quiet
        title
        actions, and alleged statutory and regulatory violations. We are also subject
        to
        legal proceedings in the ordinary course of business related to employment
        matters. We do not believe that the resolution of these lawsuits will have
        a
        material adverse effect on our financial position or results of
        operations.

       

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

       

      EXHIBIT
        M

       

      ASSIGNMENT
        AND CONVEYANCE

       

      On
        this
        __ day of _________, 200_, Accredited Home Lenders, Inc., as the Seller,
        under
        that certain Amended and Restated Flow Mortgage Loan Purchase and Warranties
        Agreement, dated as of December 1, 2005 (the “Agreement”)
        and
        that certain Purchase Price and Terms Letter, dated as of [____], 200_ ,
        does
        hereby sell, transfer, assign, set over and convey to Goldman Sachs Mortgage
        Company, as Purchaser under the Agreement all rights, title and interest
        of the
        Seller in and to (a) the Mortgage Loans listed on the related Mortgage Loan
        Schedule attached as Exhibit
        1
        hereto,
        and (b) the Servicing Rights, together with the related Mortgage Files and
        all
        rights and obligations arising under the documents contained therein. Pursuant
        to Section 2 of the Agreement, the Seller has delivered to the Custodian
        the
        documents for each Mortgage Loan to be purchased as set forth in the Agreement.
        The ownership of each Mortgage Note, Mortgage, and the contents of each Mortgage
        File is vested in the Purchaser and the ownership of all records and documents
        with respect to the related Mortgage Loan prepared by or which come into
        the
        possession of the Seller shall immediately vest in the Purchaser and shall
        be
        delivered promptly by the Seller to the Purchaser. 

       

      The
        Seller confirms to the Purchaser that, unless otherwise agreed upon in writing
        by the Seller and the Purchaser, the representations and warranties set forth
        in
        Section 7 of the Agreement with respect to the Mortgage Loans listed on the
        Mortgage Loan Schedule attached hereto, and the representations and warranties
        in Section 6 of the Agreement with respect to the Seller are true and correct
        as
        of the date hereof.

       

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

       

      
         

        
          	 	
                  
                    ACCREDITED
                      HOME LENDERS, INC.

                  

                
	 	
                  (Seller)

                
	 	 
	 	By:________________________________________
	 	Name:
                  ______________________________________
	 	Title:_______________________________________

        

      

      

      

 

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

       

      EXHIBIT
        1

      

      MORTGAGE
        LOAN SCHEDULE

       

       

       

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

    

     

    

      ASSIGNMENT,
        ASSUMPTION AND RECOGNITION AGREEMENT

       

      THIS
        ASSIGNMENT, ASSUMPTION AND RECOGNITION AGREEMENT, dated February 28, 2007
        (“Agreement”),
        among
        Goldman Sachs Mortgage Company (the “Assignor”), GS Mortgage Securities Corp.
        (the “Assignee”)
        and
        Accredited Home Lenders, Inc. (the “Company”).

       

      For
        and
        in consideration of the sum of TEN DOLLARS ($10.00) and other valuable
        consideration the receipt and sufficiency of which hereby are acknowledged,
        and
        of the mutual covenants herein contained, the parties hereto hereby agree
        as
        follows:

       

      Assignment,
        Assumption and Conveyance

       

      1.  The
        Assignor hereby conveys, sells, grants, transfers and assigns to the Assignee
        all of the right, title and interest (other than those rights specifically
        retained by the Assignor pursuant to this Agreement) of the Assignor, as
        purchaser, in, to and under (a) those certain Mortgage Loans listed on the
        schedule (the “Mortgage
        Loan Schedule”)
        attached hereto as Exhibit A (the “Mortgage
        Loans”),
        and
        solely insofar as it related to the Mortgage Loans, that certain Amended
        and
        Restated Flow Mortgage Loan Purchase and Warranties Agreement, dated as of
        December 1, 2005 (the “Purchase
        Agreement”),
        between the Assignor, as purchaser (in such capacity, the “Purchaser”),
        and
        the Company, as seller. The Assignor hereby agrees that it will (i) deliver
        possession of notes evidencing the Mortgage Loans to, or at the direction
        of,
        the Assignee or its designee and (ii) take in a timely manner all necessary
        steps under all applicable laws to convey and to perfect the conveyance of
        the
        Mortgage Loans as required under the Pooling Agreement (as defined
        below).

       

      The
        Assignor specifically reserves and does not assign to the Assignee hereunder
        (i) any and all right, title and interest in, to and under and any
        obligations of the Assignor with respect to any mortgage loans subject to
        the
        Purchase Agreement that are not the Mortgage Loans set forth on the Mortgage
        Loan Schedule and are not the subject of this Agreement or (ii) the rights
        of
        the Purchaser under Subsection 13.01 of the Purchase Agreement.

       

      The
        Assignee hereby assumes all of the Assignor’s obligations under the Mortgage
        Loans and the Purchase Agreement solely insofar as such obligations relate
        to
        the Mortgage Loans.

       

      Recognition
        of the Company

       

      2.  From
        and
        after the date hereof (the “Securitization
        Closing Date”),
        the
        Company shall and does hereby recognize that the Assignee will transfer the
        Mortgage Loans and assign its rights under the Purchase Agreement (solely
        to the
        extent set forth herein) and this Agreement to GSAA Home Equity Trust 2007-S1
        (the “Trust”)
        created pursuant to a Pooling and Servicing Agreement, dated as of February
        1,
        2007 (the “Pooling
        Agreement”),
        among
        the Assignee, Deutsche Bank National Trust Company, as trustee (including
        its
        successors in interest and any successor trustees under the Pooling Agreement,
        the “Trustee”),
        Specialized Loan Servicing, LLC, as a servicer, (including its successors
        in
        interest and any successor servicers under the Pooling Agreement, “SLS”),
        Ocwen
        Loan Servicing, LLC, as a servicer (including its successors in interest
        and any
        successor servicers under the Pooling Agreement, “Ocwen”),
        Avelo
        Mortgage, L.L.C. (including its successors in interest and any successor
        servicers under the Pooling Agreement, “Avelo”
and
        Avelo collectively with SLS and Ocwen, the “Servicers”),
        Wells
        Fargo Bank, N.A., as master servicer (including its successors in interest
        and
        any successor master servicers under the Pooling Agreement, the “Master
        Servicer”)
        and
        U.S. Bank National Association, as a custodian (including its successors
        in
        interest and any successor custodian of the Mortgage Loans under the Pooling
        Agreement, the “Custodian”).
        The
        Company hereby acknowledges and agrees that from and after the date hereof
        (i)
        the Trust will be the owner of the Mortgage Loans and the Servicer will be
        the
        servicer of the Mortgage Loans pursuant to the terms of the Pooling Agreement,
        (ii) the Company shall look solely to the Trust (including the Trustee, the
        Master Servicer, the Custodian and the Servicers acting on the Trust’s behalf)
        for performance of any obligations of the Assignor under the Mortgage Loans
        and
        the Purchase Agreement (solely insofar as they relate to the Mortgage Loans),
        (iii) the Trust (including the Trustee, the Master Servicer, the Custodian
        and
        the Servicers acting on the Trust’s behalf) shall have all the rights and
        remedies available to the Assignor, insofar as they relate to the Mortgage
        Loans, under the Purchase Agreement, including, without limitation, the
        enforcement of the document delivery requirements set forth in Subsection
        6.03
        of the Purchase Agreement, and shall be entitled to enforce all of the
        obligations of the Company thereunder insofar as they relate to the Mortgage
        Loans, including without limitation, the remedies for breaches of
        representations and warranties set forth in Subsection 8.03 of the Purchase
        Agreement, and (iv) all references to the Purchaser or the Custodian under
        the
        Purchase Agreement insofar as they relate to the Mortgage Loans shall be
        deemed
        to refer to the Trust (including the Trustee, the Master Servicer, the Custodian
        and the Servicers acting on the Trust’s behalf). Neither the Company nor the
        Assignor shall amend or agree to amend, modify, waiver, or otherwise alter
        any
        of the terms or provisions of the Purchase Agreement which amendment,
        modification, waiver or other alteration would in any way affect the Mortgage
        Loans or the Company’s performance under the Purchase Agreement with respect to
        the Mortgage Loans without the prior written consent of the Trustee and the
        Certificate Insurer.

       

      3.  Representations
        and Warranties of the Company

      

      The
        Company warrants and represents to the Assignor, the Assignee and the Trust
        as
        of the date hereof that:

       

      (a)  The
        Company is duly organized, validly existing and in good standing under the
        laws
        of the jurisdiction of its formation;

       

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

       

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

       

      (d)  There
        is
        no action, suit, proceeding or investigation pending or threatened against
        the
        Company, before any court, administrative agency or other tribunal, which
        would
        draw into question the validity of this Agreement or the Purchase Agreement,
        or
        which, either in any one instance or in the aggregate, is likely to result
        in
        any material adverse change in the ability of the Company to perform its
        obligations under this Agreement or the Purchase Agreement, and the Company
        is
        solvent; and

       

      (e)  With
        respect to the Mortgage Loans, none
        of
        the Mortgage Loans are classified as (a) “high cost” loans under the Home
        Ownership and Equity Protection Act of 1994 or (b) “high cost,” “threshold,”
“covered” or “predatory” loans under any other applicable federal, state or
        local law (or a similarly classified loan using different terminology under
        a
        law imposing heightened regulatory scrutiny or additional legal liability
        for
        residential mortgage loans having high interest rates, points and/or
        fees).

       

      4.  Pursuant
        to Section 12 of the Purchase Agreement, the Company hereby represents and
        warrants, for the benefit of the Assignor, the Assignee and the Trust, that
        the
        representations and warranties set forth in Subsections 8.01 and 8.02 of
        the
        Purchase Agreement, are true and correct as of the date hereof as if such
        representations and warranties were made on the date hereof (i) except that
        the
        representation and warranty set forth in Subsection 8.02(a) of the Purchase
        Agreement shall, for purposes of this Agreement, relate to the Mortgage Loan
        Schedule attached hereto and (ii) subject to such events or circumstances
        that
        have arisen or occurred subsequent to the related Closing Date (as defined
        in
        the Purchase Agreement).

       

      Remedies
        for Breach of Representations and Warranties of the Company 

       

      5.  The
        Company hereby acknowledges and agrees that the remedies available to the
        Assignor, the Assignee and the Trust (including the Trustee, the Master
        Servicer, the Custodian and the Servicers acting on the Trust’s behalf) in
        connection with any breach of the representations and warranties made by
        the
        Company set forth in Sections 3 and 4 hereof shall be as set forth in Subsection
        8.03 of the Purchase Agreement as if they were set forth herein (including
        without limitation the repurchase and indemnity obligations set forth therein);
        provided,
        however,
        that,
        notwithstanding anything in the Purchase Agreement to the contrary, the Company
        agrees that (i) within 60 days of the earlier of either discovery by, or
        notice
        to, the Company of any breach of the representation and warranty set forth
        in
        Subsections 8.02(tt), (vv), (ww), (xx), (eee) or (fff) of the Purchase Agreement
        or representation and warranty (e) in Section 3 hereof, the Company shall
        repurchase such Mortgage Loan at the Repurchase Price (as defined in the
        Purchase Agreement), together with all expenses incurred by the Assignor,
        the
        Assignee and the Trust as a result of such repurchase. However, if the breach
        shall involve a representation or warranty set forth in Subsection 8.02 of
        the
        Purchase Agreement (other than the representations and warranties set forth
        in
        clauses (tt), (vv), (ww), (xx), (eee) or (fff) of Subsection 8.02 or
        representation and warranty (e) in Section 3 hereof) and the Company discovers
        or receives notice of any such breach within 120 days of the related Closing
        Date, the Company may, provided that it has a Qualified Substitute Mortgage
        Loan, rather than repurchase the Mortgage Loan as provided in the Purchase
        Agreement, remove such Mortgage Loan (a “Deleted
        Mortgage Loan”)
        and
        substitute in its place a Qualified Substitute Mortgage Loan or Loans, provided
        that any such substitution shall be effected not later than 120 days after
        the
        related Closing Date. If the Company has no Qualified Substitute Mortgage
        Loan,
        the Company shall repurchase the deficient Mortgage Loan.

       

      At
        the
        time of repurchase or substitution, the Assignor and the Company shall arrange
        for the reassignment of the Deleted Mortgage Loan to the Company and the
        delivery to the Company of any documents held by the Custodian relating to
        the
        Deleted Mortgage Loan. In the event of a repurchase or substitution, the
        Company
        shall, simultaneously with such reassignment, give written notice to the
        Assignor that such repurchase or substitution has taken place, amend the
        Mortgage Loan Schedule to reflect the withdrawal of the Deleted Mortgage
        Loan
        from the Purchase Agreement, and, in the case of substitution, identify a
        Qualified Substitute Mortgage Loan and amend the Mortgage Loan Schedule to
        reflect the addition of such Qualified Substitute Mortgage Loan to Purchase
        Agreement. In connection with any such substitution, the Company shall be
        deemed
        to have made as to such Qualified Substitute Mortgage Loan the representations
        and warranties set forth in the Purchase Agreement except that all such
        representations and warranties set forth in the Purchase Agreement shall
        be
        deemed made as of the date of such substitution, whether or not such
        substitution date is after the related Transfer Date. The Company shall effect
        such substitution by delivering to the Custodian or to such other party as
        the
        Assignor may designate in writing for such Qualified Substitute Mortgage
        Loan
        the documents required by Subsection 6.03 of the Purchase Agreement and the
        Custodial Agreement, with the Mortgage Note endorsed as required by Subsection
        6.03 of the Purchase Agreement and the Custodial Agreement. No substitution
        will
        be made in any calendar month after the initial Determination Date for such
        month. The Company shall remit directly to the Assignor, or its designee
        in
        accordance with the Assignor’s instructions the Monthly Payment less the
        Servicing Fee due, if any, on such Qualified Substitute Mortgage Loan or
        Loans
        in the month following the date of such substitution. Monthly Payments due
        with
        respect to Qualified Substitute Mortgage Loans in the month of substitution
        shall be retained by the Company. For the month of substitution, distributions
        to the Assignor shall include the Monthly Payment due on any Deleted Mortgage
        Loan in the month of substitution, and the Company shall thereafter be entitled
        to retain all amounts subsequently received by the Company in respect of
        such
        Deleted Mortgage Loan.

       

      For
        any
        month in which the Company substitutes a Qualified Substitute Mortgage Loan
        for
        a Deleted Mortgage Loan, the Company shall determine the amount (if any)
        by
        which the aggregate principal balance of all Qualified Substitute Mortgage
        Loans
        as of the date of substitution is less than the aggregate Stated Principal
        Balance of all Deleted Mortgage Loans (after application of scheduled principal
        payments due in the month of substitution). The amount of such shortfall
        shall
        be distributed by the Company directly to the Assignor or its designee in
        accordance with the Assignor’s instructions within two (2) Business Days of such
        substitution.

       

      As
        used
        herein, the following terms shall have the definitions set forth
        below:

       

      Deleted
        Mortgage Loan:
        A
        Mortgage Loan that is repurchased or replaced or to be replaced with a Qualified
        Substitute Mortgage Loan by the Company in accordance with the terms of this
        Agreement.

       

      Qualified
        Substitute Mortgage Loan:
        A
        mortgage loan eligible to be substituted by the Company for a Deleted Mortgage
        Loan which must, on the date of such substitution, (i) have an outstanding
        principal balance, after deduction of all scheduled payments due in the month
        of
        substitution (or in the case of a substitution of more than one mortgage
        loan
        for a Deleted Mortgage Loan, an aggregate principal balance), not in excess
        of
        the outstanding principal balance of the Deleted Mortgage Loan (the amount
        of
        any shortfall will be deposited in the Custodial Account by the Company in
        the
        month of substitution); (ii) have a Mortgage Interest Rate not less than,
        and
        not more than 1% greater than, the Mortgage Interest Rate of the Deleted
        Mortgage Loan; (iii) have a remaining term to maturity not greater than,
        and not more than one year less than, that of the Deleted Mortgage Loan
        (iv) be of the same type as the Deleted Mortgage Loan (i.e., fixed rate or
        adjustable rate with same Periodic Rate Cap, and Index); and (v) comply
        with each representation and warranty (respecting individual Mortgage Loans)
        set
        forth in Section 8 of the Purchase Agreement.

       

      In
        the
        event that the Company fails to deliver the Credit Files with respect to
        any
        Mortgage Loan as required by the Purchase Agreement, the Company shall, upon
        the
        request of the Assignor, repurchase such Mortgage Loan at the price and in
        the
        manner set forth in Section 5 of the Purchase Agreement, or substitute for
        such
        Mortgage Loan as provided for in Section 5 of this Agreement.

       

      The
        Assignor and Assignee hereby acknowledge and agree to use their best efforts
        in
        enforcing the representation and warranty obligations of the
        Company.

      

       

      Representations
        and Warranties of the Assignor

       

      6.  The
        Assignor warrants and represents to the Assignee and the Trust (including
        the
        Trustee, the Master Servicer, the Custodian and the Servicers acting on the
        Trust’s behalf) as of the date hereof that:

       

      (a)  The
        Assignor is the sole owner of record and holder of the Mortgage Loans and
        the
        indebtedness evidenced by each Mortgage Note. The Mortgage Loans are not
        assigned or pledged, and the Assignor has good, indefeasible and marketable
        title thereto, and has full right to transfer and sell the Mortgage Loans
        to the
        Assignee free and clear of any encumbrance, equity, participation interest,
        lien, pledge, charge, claim or security interest, and has full right and
        authority subject to no interest or participation of, or agreement with,
        any
        other party, to sell and assign each Mortgage Loan pursuant to this Agreement
        and following the sale of each Mortgage Loan, the Assignee will own the Mortgage
        Loans free and clear of any encumbrance, equity, participation interest,
        lien,
        pledge, charge, claim or security interest. The Assignor intends to relinquish
        all rights to possess, control and monitor the Mortgage Loans; 

       

      (b)  The
        Assignor has not waived the performance by the Mortgagor of any action, if
        the
        Mortgagor’s failure to perform such action would cause the Mortgage Loans to be
        in default, nor has the Company waived any default resulting from any action
        or
        inaction by the Mortgagor;

       

      (c)  With
        respect to the Mortgage Loans, any and all requirements of any federal, state
        or
        local law including, without limitation, usury, truth-in-lending, real estate
        settlement procedures, consumer credit protection, equal credit opportunity
        and
        disclosure laws, all applicable predatory and abusive lending laws or unfair
        and
        deceptive practices applicable to the Mortgage Loans, including, without
        limitation, any provisions related to Prepayment Premiums, have been complied
        with, the consummation of the transactions contemplated hereby will not involve
        the violation of any such laws or regulations; and

       

      (d)  No
        Mortgage Loan is a High Cost or Covered Loan, as applicable, and no Mortgage
        Loan originated on or after October 1, 2002 through March 6, 2003 is governed
        by
        the Georgia Fair Lending Act. For the purposes of this Section 6(d) the
        following definitions shall apply:

      

      (i) Covered
        Loan:
        A
        Mortgage Loan categorized as Covered pursuant to Appendix E of Standard &
Poor’s Glossary.

      

      (ii) Home
        Loan:
        A
        Mortgage Loan categorized as a Home Loan pursuant to Appendix E of Standard
        & Poor’s Glossary.

      

      (iii) Standard
        & Poor’s Glossary:
        The
        Standard & Poor’s Glossary for File Format for LEVELS® Version 5.7, Appendix
        E, as revised from time to time.

      

      (iv) High
        Cost Loan:
        A
        Mortgage Loan classified as (a) a “high cost” loan under the Home Ownership and
        Equity Protection Act of 1994, (b) a “high cost home,” “threshold,” “covered,”
(excluding New Jersey “Covered Home Loans” as that term is defined in clause (1)
        of the definition of that term in the New Jersey Home Ownership Security
        Act of
        2002), “high risk home,” “predatory” or similar loan under any other applicable
        state, federal or local law (or a similarly classified loan using different
        terminology under a law imposing heightened regulatory scrutiny or additional
        legal liability for residential mortgage loans having high interest rates,
        points and/or fees) or (c) a Mortgage Loan categorized as High Cost pursuant
        to
        the then-current Appendix E of Standard & Poor’s Glossary; and

      

      (e) None
        of
        the Mortgage Loans has a Prepayment Penalty period in excess of five
        years.

       

      Remedies
        for Breach of Representations and Warranties of the Assignor

       

      7.  The
        Assignor hereby acknowledges and agrees that in the event of any breach of
        the
        representations and warranties made by the Assignor set forth in Section
        6
        hereof that materially and adversely affects the value of the Mortgage Loans
        or
        the interest of the Assignee or the Trust therein, it shall purchase or cause
        the purchase of the applicable Mortgage Loan at the Repurchase Price within
        60
        days of the earlier of either discovery by or notice to the Assignor of such
        breach of a representation or warranty.

       

      Miscellaneous
        

       

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

       

      9.  No
        term
        or provision of this Agreement may be waived or modified unless such waiver
        or
        modification is in writing and signed by the party against whom such waiver
        or
        modification is sought to be enforced, with the prior written consent of
        the
        Trustee and the Certificate Insurer.

       

      10.  This
        Agreement shall inure to the benefit of (i) the successors and assigns of
        the parties hereto, (ii) the Trust (including the Trustee, the Master Servicer,
        the Custodian and the Servicers acting on the Trust’s behalf) and (iii) the
        Certificate Insurer. Any entity into which the Assignor, Assignee or Company
        may
        be merged or consolidated shall, without the requirement for any further
        writing, be deemed Assignor, Assignee or Company, respectively,
        hereunder.

       

      11.  This
        Agreement and the Purchase Agreement shall survive the conveyance of the
        Mortgage Loans and the assignment of the Purchase Agreement (to the extent
        assigned hereunder) by the Assignor to the Assignee and by Assignee to the
        Trust
        and nothing contained herein shall supersede or amend the terms of the Purchase
        Agreement, except as expressly set forth herein, and then only with respect
        to
        the Mortgage Loans.

       

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

       

      13.  In
        the
        event that any provision of this Agreement conflicts with any provision of
        the
        Purchase Agreement with respect to the Mortgage Loans, the terms of this
        Agreement shall control.

       

      14.  Capitalized
        terms used in this Agreement (including the exhibits hereto) but not defined
        in
        this Agreement shall have the meanings given to such terms in the Purchase
        Agreement.

       

      [SIGNATURE
        PAGE FOLLOWS]

      

       

       

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

      
 

       

      IN
        WITNESS WHEREOF, the parties have caused this Agreement to be executed by
        their
        duly authorized officers as of the date first above written.

      
         

        
          	 	 	 
	 	GS
                  MORTGAGE SECURITIES CORP.
	 
 	 
 	 
 
	 	
                  By:  

                	 
	 	
                  Name: 
                    

                	 
	 	Title:	 
	 	  	 
	 	 	 
	 	
                  GOLDMAN
                    SACHS MORTGAGE COMPANY,

                  a
                    New York limited partnership

                
	 	 	 
	 	By:	
                  GOLDMAN
                    SACHS REAL ESTATE FUNDING CORP., 

                  a
                    New York corporation, as General Partner

                
	 	 	 
	 	
                  By: 

                	 
	 	Name:	 
	 	Title:	 

        

         

        
          	 	 	 
	 	
                  ACCREDITED
                    HOME LENDERS, INC.

                
	 	
                  (Seller)

                
	 	 	 
	 	
                  By: 

                	 
	 	
                  Name: 
                    

                	 
	 	Title:	 
	 	  	 

 

      

       

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

       

       

      
        
 

      

      EXHIBIT
        A

       

      MORTGAGE
        LOAN SCHEDULE

       

      

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

      

      EXHIBIT
        B

       

      ACCREDITED
        PURCHASE AGREEMENTS

       

      Amended
        and Restated Flow Mortgage Loan Purchase and Warranties Agreement,

       

      dated
        as
        of December 1, 2005

       

      

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

    

     

     

    EXHIBIT
      Q-6

     

    NEW
      CENTURY AGREEMENTS

     

    

       

      FLOW
        MORTGAGE LOAN PURCHASE AND WARRANTIES AGREEMENT

       

      This
        FLOW
        MORTGAGE LOAN PURCHASE AND WARRANTIES AGREEMENT (the “Agreement”),
        dated
        as of March 1, 2006 by and between Goldman Sachs Mortgage Company, a New
        York limited partnership, having an office at 85 Broad Street, New York,
        New
        York 10004 (the “Purchaser”)
        and
        New Century Mortgage Corporation, a California corporation, having an office
        at
        18400 Von Karman, Suite 1000, Irvine, California 92612 (the “Seller”).

       

      W I T N E S S E T H:

       

      WHEREAS,
        each Mortgage Loan is secured by a mortgage, deed of trust or other security
        instrument creating a first or second lien on a residential dwelling located
        in
        the jurisdiction indicated on the related Mortgage Loan Schedule;

       

      WHEREAS,
        the Purchaser and the Seller wish to prescribe the manner of the conveyance
        and
        control of the Mortgage Loans; and

       

      WHEREAS,
        following its purchase of the Mortgage Loans from the Seller, the Purchaser
        desires to sell some or all of the Mortgage Loans to one or more purchasers
        as a
        whole loan transfer or a public or private, rated or unrated mortgage
        pass-through transaction;

       

      NOW,
        THEREFORE, in consideration of the premises and mutual agreements set forth
        herein, and for other good and valuable consideration, the receipt and
        sufficiency of which are hereby acknowledged, the Purchaser and the Seller
        agree
        as follows:

       

      SECTION
        1.  Definitions.

       

      For
        purposes of this Agreement the following capitalized terms shall have the
        respective meanings set forth below.

       

      Accepted
        Servicing Practices:
        With
        respect to any Mortgage Loan those mortgage servicing practices of prudent
        mortgage lending institutions which service mortgage loans of the same type
        as
        such Mortgage Loan in the jurisdiction where the related Mortgaged Property
        is
        located.

       

      Act:
        The
        National Housing Act, as amended from time to time.

       

      Adjustable
        Rate Mortgage Loan:
        An
        adjustable rate Mortgage Loan purchased pursuant to this Agreement.

       

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

       

      Agency
        Transfer:
        A
        Fannie Mae Transfer or a Freddie Mac Transfer.

       

      Agreement:
        This
        Flow Mortgage Loan Purchase and Warranties Agreement and all amendments hereof
        and supplements hereto.

       

      ALTA:
        The
        American Land Title Association or any successor thereto.

       

      Appraised
        Value:
        The
        value set forth in an appraisal made in connection with the origination of
        the
        related Mortgage Loan as the value of the Mortgaged Property.

       

      Appropriate
        Federal Banking Agency:
        Appropriate Federal Banking Agency shall have the meaning ascribed to it
        by
        Section 1813(q) of Title 12 of the United States Code, as amended from time
        to time.

       

      Assignment
        and Assumption Agreement:
        As
        defined in Section 22.

       

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

       

      BIF:
        The
        Bank Insurance Fund, or any successor thereto.

       

      Business
        Day:
        Any day
        other than (i) a Saturday or Sunday, (ii) a day on which banking and
        savings and loan institutions in (a) the State of New York, (b) the
        state in which the Servicer’s servicing operations are located or (c) or
        (iii) the State in which the Custodian’s operations are located, are
        authorized or obligated by law or executive order to be closed.

       

      Closing
        Date:
        The
        date or dates set forth on the related Purchase Price and Terms Agreement
        on
        which the Purchaser from time to time shall purchase and the Seller from
        time to
        time shall sell, the Mortgage Loans listed on the related Mortgage Loan
        Schedule

       

      CLTV:
        As of
        the date of origination and as to any Second Lien Mortgage Loan, the ratio,
        expressed as a percentage, of the (a) sum of (i) the outstanding
        principal balance of the Second Lien Mortgage Loan as of the date of origination
        and (ii) the outstanding principal balance as of the date of origination of
        any mortgage loan or mortgage loans that are senior or equal in priority
        to the
        Second Lien Mortgage Loan and which are secured by the same Mortgaged Property
        to (b) the lesser of the Appraised Value and the purchase price of the
        Mortgaged Property.

       

      Code:
        Internal Revenue Code of 1986, as amended.

       

      Commission:
        The
        United States Securities and Exchange Commission.

       

      Condemnation
        Proceeds:
        All
        awards or settlements in respect of a Mortgaged Property, whether permanent
        or
        temporary, partial or entire, by exercise of the power of eminent domain
        or
        condemnation, to the extent not required to be released to a Mortgagor in
        accordance with the terms of the related Mortgage Loan Documents.

       

      Convertible
        Mortgage Loan:
        Any
        individual Adjustable Rate Mortgage Loan purchased pursuant to this Agreement
        which contains a provision whereby the Mortgagor is permitted to convert
        the
        Adjustable Rate Mortgage Loan to a fixed rate Mortgage Loan in accordance
        with
        the terms of the related Mortgage Note.

       

      Covered
        Loan:
        A
        Mortgage Loan categorized as Covered pursuant to Appendix E of Standard &
Poor’s Glossary.

       

      Credit
        File:
        The
        items pertaining to a particular Mortgage Loan referred to in Exhibit
        B
        annexed
        hereto, and any additional documents required to be added to the credit File
        pursuant to this Agreement.

       

      Custodial
        Account:
        The
        separate account or accounts created and maintained pursuant to the Interim
        Servicing Agreement (with respect to each Mortgage Loan, for an interim period,
        as specified therein).

       

      Custodial
        Agreement:
        The
        agreement between the Purchaser and the Custodian governing the retention
        of the
        originals of each Mortgage Note, Mortgage, Assignment of Mortgage and other
        documents constituting the Mortgage Files.

       

      Custodian:
        Deutsche Bank National Trust Company, or its successor in interest or permitted
        assigns, or any successor to the Custodian under the Custodial Agreement
        as
        therein provided.

       

      Cut-off
        Date:
        With
        respect to each Mortgage Loan in a Mortgage Loan Package, the date set forth
        on
        the related Purchase Price and Terms Agreement.

       

      Deemed
        Material Breach Representation:
        Each
        representation and warranty identified as such in
        Subsection 9.02.

       

      Depositor:
        The
        depositor, as such term is defined in Regulation AB, with respect to any
        Securitization Transaction.

       

      Deleted
        Mortgage Loan:
        A
        Mortgage Loan that is repurchased or replaced or to be replaced with a Qualified
        Substitute Mortgage Loan by the Seller in accordance with the terms of this
        Agreement.

       

      Determination
        Date:
        The
        20th day of each calendar month.

       

      Due
        Date:
        The day
        of the month on which the Monthly Payment is due on a Mortgage Loan, exclusive
        of any days of grace.

       

      Equity
        Take-Out Refinanced Mortgage Loan:
        A
        Mortgage Loan used to refinance an existing mortgage loan, the proceeds of
        which
        were in excess of the outstanding principal balance of the existing mortgage
        loan.

       

      Escrow
        Account:
        The
        separate account or accounts created and maintained pursuant to the Interim
        Servicing Agreement (with respect to each Mortgage Loan, for an interim period,
        as specified therein).

       

      Escrow
        Payments:
        With
        respect to any Mortgage Loan, the amounts constituting ground rents, taxes,
        assessments, water rates, sewer rents, municipal charges, mortgage insurance
        premiums, fire and hazard insurance premiums, condominium charges, and any
        other
        payments required to be escrowed by the Mortgagor with the mortgagee pursuant
        to
        the Mortgage or any other document.

       

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

       

      Fannie
        Mae:
        The
        Federal National Mortgage Association, or any successor thereto.

       

      Fannie
        Mae Guides:
        The
        Fannie Mae Selling Guide and the Fannie Mae Servicing Guide and all amendments
        or additions thereto.

       

      Fannie
        Mae Transfer:
        As
        defined in Section 13
        hereof.

       

      FDIC:
        The
        Federal Deposit Insurance Corporation, or any successor thereto.

       

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

       

      FHA:
        The
        Federal Housing Administration, an agency within the United States Department
        of
        Housing and Urban Development, or any successor thereto and including the
        Federal Housing Commissioner and the Secretary of Housing and Urban Development
        where appropriate under the FHA Regulations.

       

      FHA
        Approved Mortgagee:
        A
        corporation or institution approved as a mortgagee by the FHA under the Act,
        and
        applicable HUD regulations, and eligible to own and service mortgage loans
        such
        as the FHA mortgage loans.

       

      FHA
        Loan:
        A
        Mortgage Loan which is the subject of an FHA Mortgage Insurance
        contract.

       

      FHA
        Mortgage Insurance:
        Mortgage insurance authorized under the National Housing Act, as amended
        from
        time to time, and provided by the FHA.

       

      FHA
        Regulations:
        The
        regulations promulgated by the Department of Housing and Urban Development
        under
        the National Housing Act, as amended from time to time and codified in 24
        Code
        of Federal Regulations, and other Department of Housing and Urban Development
        issuances relating to FHA Loans, including the related handbooks, circulars,
        notices and mortgagee letters.

       

      Fixed
        Rate Mortgage Loan:
        A fixed
        rate mortgage loan purchased pursuant to this Agreement.

       

      Freddie
        Mac:
        The
        Federal Home Loan Mortgage Corporation, or any successor thereto.

       

      Freddie
        Mac Transfer:
        As
        defined in Section 13
        hereof.

       

      Gross
        Margin:
        With
        respect to each Adjustable Rate Mortgage Loan, the fixed percentage amount
        set
        forth in the related Mortgage Note which amount is added to the Index in
        accordance with the terms of the related Mortgage Note to determine on each
        Interest Rate Adjustment Date the Mortgage Interest Rate for such Mortgage
        Loan.

       

      High
        Cost Loan:
        A
        Mortgage Loan (a) covered by the Home Ownership and Equity Protection Act
        of 1994 (“HOEPA”),
        (b)
        with an “annual percentage rate” or total “points and fees” payable by the
        related Mortgagor (as each such term is calculated under HOEPA) that exceed
        the
        thresholds set forth by HOEPA and its implementing regulations, including
        12
        C.F.R. § 226.32(a)(1)(i) and (ii), (c) classified as a “high cost home,”
“threshold,” “covered,” “high risk home,” “predatory” or similar loan under any
        other applicable state, federal or local law (or a similarly classified loan
        using different terminology under a law imposing heightened regulatory scrutiny
        or additional legal liability for residential mortgage loans having high
        interest rates, points and/or fees) or (d) a Mortgage Loan categorized as
        High Cost pursuant to Appendix E of Standard & Poor’s Glossary. For
        avoidance of doubt, the parties agree that this definition shall apply to
        any
        law regardless of whether such law is presently, or in the future becomes,
        the
        subject of judicial review or litigation.

       

      Home
        Loan:
        A
        Mortgage categorized as Home Loan pursuant to Appendix E of Standard &
Poor’s Glossary.

       

      HUD:
        The
        Department of Housing and Urban Development, or any federal agency or official
        thereof which may from time to time succeed to the functions thereof with
        regard
        to FHA Mortgage Insurance. The term “HUD,”
for
        purposes of this Agreement, is also deemed to include subdivisions thereof
        such
        as the FHA and Government National Mortgage Association.

       

      Index:
        With
        respect to each Adjustable Rate Mortgage Loan, a rate per annum as specified
        in
        the related Mortgage Loan Schedule.

       

      Insurance
        Proceeds:
        With
        respect to each Mortgage Loan, proceeds of insurance policies insuring the
        Mortgage Loan or the related Mortgaged Property.

       

      Interest
        Only Mortgage Loan:
        A
        Mortgage Loan where the related Mortgage Note provides for Monthly Payments
        of
        interest only.

       

      Interest
        Rate Adjustment Date:
        With
        respect to each adjustable rate Mortgage Loan, the date, specified in the
        related Mortgage Note and the Mortgage Loan Schedule, on which the Mortgage
        Interest Rate is adjusted.

       

      Interim
        Servicing Agreement:
        That
        certain Interim Servicing Agreement, dated as of the date hereof, by and
        between
        the Purchaser and the Servicer.

       

      Lifetime
        Rate Cap:
        The
        provision of each Mortgage Note related to an Adjustable Rate Mortgage Loan
        which provides for an absolute maximum Mortgage Interest Rate thereunder.
        The
        Mortgage Interest Rate during the terms of each Adjustable Rate Mortgage
        Loan
        shall not at any time exceed the Mortgage Interest Rate at the time of
        origination of such Adjustable Rate Mortgage Loan by more than the amount
        per
        annum set forth on the Mortgage Loan Schedule.

       

      Limited
        Documentation Program:
        The
        guidelines under which the Seller generally originates Mortgage Loans
        principally on the basis of the Loan-to-Value Ratio of the related Mortgage
        Loan
        and the creditworthiness of the Mortgagor.

       

      Liquidation
        Proceeds:
        Cash
        received in connection with the liquidation of a defaulted Mortgage Loan,
        whether through the sale or assignment of such Mortgage Loan, trustee’s sale,
        foreclosure sale or otherwise or the sale of the related Mortgaged Property
        if
        the Mortgaged Property is acquired in satisfaction of the Mortgage
        Loan.

       

      Loan-to-Value
        Ratio
        or
LTV:
        With
        respect to any Mortgage Loan, the ratio (expressed as a percentage) of the
        outstanding principal amount of the Mortgage Loan as of the Cut-off Date
        (unless
        otherwise indicated), to the lesser of (a) the Appraised Value of the
        Mortgaged Property at origination and (b) if the Mortgage Loan was made to
        finance the acquisition of the related Mortgaged Property, the purchase price
        of
        the Mortgaged Property.

       

      Monthly
        Payment:
        The
        scheduled monthly payment of principal and interest on a Mortgage Loan, or,
        with
        respect to an Interest Only Mortgage Loan, the scheduled monthly payment
        of
        interest.

       

      Moody’s:
        Moody’s
        Investors Service, Inc., and any successor thereto.

       

      Mortgage:
        The
        mortgage, deed of trust or other instrument securing a Mortgage Note, which
        creates a first or second lien on an unsubordinated estate in fee simple
        in real
        property securing the Mortgage Note; except that with respect to real property
        located in jurisdictions in which the use of leasehold estates for residential
        properties is a widely-accepted practice, the mortgage, deed of trust or
        other
        instrument securing the Mortgage Note may secure and create a first or second
        lien upon a leasehold estate of the Mortgagor.

       

      Mortgage
        File:
        The
        items pertaining to a particular Mortgage Loan referred to in Exhibit A
        annexed
        hereto, and any additional documents required to be added to the Mortgage
        File
        pursuant to this Agreement.

       

      Mortgage
        Interest Rate:
        The
        annual rate of interest borne on a Mortgage Note with respect to each Mortgage
        Loan.

       

      Mortgage
        Interest Rate Cap:
        With
        respect to an Adjustable Rate Mortgage Loan, the limit on each Mortgage Interest
        Rate adjustment as set forth in the related Mortgage Note.

       

      Mortgage
        Loan:
        An
        individual Mortgage Loan which is the subject of this Agreement, each Mortgage
        Loan originally sold and subject to this Agreement being identified on the
        related Mortgage Loan Schedule, which Mortgage Loan includes without limitation
        the Mortgage File, the Credit File, the Servicing File, the Monthly Payments,
        Principal Prepayments, Liquidation Proceeds, Condemnation Proceeds, Insurance
        Proceeds, Servicing Rights, Prepayment Penalties, and all other rights,
        benefits, proceeds and obligations arising from or in connection with such
        Mortgage Loan, excluding replaced or repurchased mortgage loans.

       

      Mortgage
        Loan Documents:
        The
        documents in the Mortgage File.

       

      Mortgage
        Loan Package:
        A pool
        of Mortgage Loans sold to the Purchaser by the Seller on a Closing
        Date.

       

      Mortgage
        Loan Schedule:
        The
        schedule of Mortgage Loans, with respect to each Mortgage Loan Package, attached
        as Exhibit 1 to the related Assignment and Conveyance, setting forth
        certain information with respect to each Mortgage Loan in the related Mortgage
        Loan Package, which must include at a minimum: (1) the Seller’s Mortgage
        Loan identifying number; (2) the Mortgagor’s name; (3) the street
        address of the Mortgaged Property including the city, state and zip code;
        (4) a code indicating whether the Mortgaged Property is owner-occupied, a
        second home or investment property; (5) the number and type of residential
        units constituting the Mortgaged Property (i.e., a single family residence,
        a
        2-4 family residence, a unit in a condominium project or a unit in a planned
        unit development, manufactured housing); (6) the original months to
        maturity or the remaining months to maturity from the Cut-off Date, in any
        case
        based on the original amortization schedule and, if different, the maturity
        expressed in the same manner but based on the actual amortization schedule;
        (7) the LTV and CLTV, each at the origination; (8) the Mortgage
        Interest Rate as of the related Cut-off Date; (9) the date on which the
        Monthly Payment was due on the Mortgage Loan and, if such date is not consistent
        with the Due Date currently in effect, such Due Date; (10) the stated
        maturity date; (11) the amount of the Monthly Payment as of the related
        Cut-off Date; (12) the last payment date on which a Monthly Payment was
        actually applied to pay interest and/or the outstanding principal balance;
        (13) the original principal amount of the Mortgage Loan; (14) the
        principal balance of the Mortgage Loan as of the close of business on the
        related Cut-off Date, after deduction of payments of principal due and collected
        on or before the related Cut-off Date; (15) with respect to Adjustable Rate
        Mortgage Loans, the Interest Rate Adjustment Date; (16) with respect to
        Adjustable Rate Mortgage Loans, the Gross Margin; (17) with respect to
        Adjustable Rate Mortgage Loans, the Lifetime Rate Cap under the terms of
        the
        Mortgage Note; (18) with respect to Adjustable Rate Mortgage Loans, a code
        indicating the type of Index; (19) with respect to Adjustable Rate Mortgage
        Loans, the Periodic Rate Cap under the terms of the Mortgage Note;
        (20) with respect to Adjustable Rate Mortgage Loans, the Periodic Rate
        Floor under the terms of the Mortgage Note; (21) the type of Mortgage Loan
        (i.e., Fixed Rate, Adjustable Rate, First Lien, Second Lien); (22) a code
        indicating the purpose of the loan (i.e., purchase, rate and term refinance,
        equity take-out refinance); (23) a code indicating the documentation style
        (i.e., full, alternative or reduced); (24) the loan credit classification
        (as described in the Underwriting Guidelines); (25) whether such Mortgage
        Loan provides for a Prepayment Penalty; (26) the Prepayment Penalty period
        of such Mortgage Loan, if applicable; (27) a description of the Prepayment
        Penalty, if applicable; (28) the Mortgage Interest Rate as of origination;
        (29) the credit risk score (FICO score) at origination; (30) the date
        of origination; (31) the Mortgage Interest Rate adjustment period;
        (32) the Mortgage Interest Rate adjustment percentage; (33) the
        Mortgage Interest Rate floor; (34) the Mortgage Interest Rate calculation
        method (i.e., 30/360, simple interest, other); (35) a code indicating
        whether the Mortgage Loan is a Section 32 Mortgage Loan; (36) a code
        indicating whether the Mortgage Loan is assumable; (37) a code indicating
        whether the Mortgage Loan has been modified; (38) the one year payment
        history; (39) the Due Date for the first Monthly Payment; (40) the
        original Monthly Payment due; (41) with respect to the related Mortgagor,
        the debt-to-income ratio; (42) the Appraised Value of the Mortgaged
        Property; (44) the sales price of the Mortgaged Property if the Mortgage
        Loan was originated in connection with the purchase of the Mortgaged Property;
        (45) a field indicating if the Mortgage Loan is an Interest Only Mortgage
        Loan; (46) a code indicating if the Mortgage Loan is a High Cost Loan as
        such terms are defined in the then current Standard & Poor’s LEVELS®
Glossary; (47) a code indicating whether the Mortgage Loan is covered by a
        PMI Policy and, if so, identifying the PMI Policy provider; (48) the
        certificate number of the PMI Policy, if applicable; (49) the amount of
        coverage of the PMI Policy, if applicable; (50) Points and Fees compliance
        (Pass/Fail - enter Y/N); and (51) with respect to each Option ARM Mortgage
        Loan,
        (a) a detailed transaction history indicating how all payments were applied,
        (b)
        the total negative amortization amount as of the Closing Date (c) the maximum
        negative amortization percentage, (d) the recast period, and (e) all
        adjustable rate change histories. With respect to the Mortgage Loans in the
        Mortgage Loan Package in the aggregate, the Mortgage Loan Schedule shall
        set
        forth the following information, as of the related Cut-off Date: (1) the
        number of Mortgage Loans; (2) the current aggregate outstanding principal
        balance of the Mortgage Loans; (3) the weighted average Mortgage Interest
        Rate of the Mortgage Loans; and (4) the weighted average maturity of the
        Mortgage Loans. 

       

      Mortgage
        Note:
        The
        note or other evidence of the indebtedness of a Mortgagor secured by a
        Mortgage.

       

      Mortgaged
        Property:
        The
        real property (or leasehold estate, if applicable) securing repayment of
        the
        debt evidenced by a Mortgage Note.

       

      Mortgagor:
        The
        obligor on a Mortgage Note.

       

      Officer’s
        Certificate:
        A
        certificate signed by the Chairman of the Board or the Vice Chairman of the
        Board or a President or a Vice President and by the Treasurer or the Secretary
        or one of the Assistant Treasurers or Assistant Secretaries of the Seller,
        and
        delivered to the Purchaser as required by this Agreement.

       

      Opinion
        of Counsel:
        A
        written opinion of counsel, who may be counsel for the Seller, reasonably
        acceptable to the Purchaser, provided that any Opinion of Counsel relating
        to
        (a) the qualification of any account required to be maintained pursuant to
        this Agreement as an Eligible Account, (b) qualification of the Mortgage
        Loans in a REMIC or (c) compliance with the REMIC Provisions, must be
        (unless otherwise stated in such Opinion of Counsel) an opinion of counsel
        who
        (i) is in fact independent of the Seller and any master servicer of the
        Mortgage Loans, (ii) does not have any material direct or indirect
        financial interest in the Seller or any master servicer of the Mortgage Loans
        or
        in an Affiliate of either and (iii) is not connected with the Seller or any
        master servicer of the Mortgage Loans as an officer, employee, director or
        person performing similar functions.

       

      Option
        ARM Mortgage Loan:
        An
        adjustable rate Mortgage Loan that gives the related
        Mortgagor four different payment options each month, which include: (i) a
        minimum monthly payment option, (ii) an interest-only payment option, (iii)
        a
        full principal and interest option which amortizes over 30 years or less
        or
        (iv) a full principal and interest option which amortizes over 15 years or
        less.

       

      Originator:
        Home123
        Corporation.

       

      OTS:
        Office
        of Thrift Supervision, and any successor thereto.

       

      Periodic
        Rate Cap:
        The
        provision of each Mortgage Note related to an Adjustable Rate Mortgage Loan
        which provides for an absolute maximum amount by which the Mortgage Interest
        Rate therein may increase or decrease on an Interest Rate Adjustment Date
        above
        or below the Mortgage Interest Rate previously in effect. The Periodic Rate
        Cap
        for each Adjustable Rate Mortgage Loan is the rate set forth on the Mortgage
        Loan Schedule.

       

      Periodic
        Rate Floor:
        With
        respect to each Adjustable Rate Mortgage Loan, the provision of each Mortgage
        Note which provides for an absolute maximum amount by which the Mortgage
        Interest Rate therein may decrease on an Interest Rate Adjustment Date below
        the
        Mortgage Interest Rate previously in effect.

       

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

       

      PMI
        Policy:
        A
        policy of primary mortgage guaranty insurance issued by an insurer acceptable
        under the Underwriting Guidelines and qualified to do business in the
        jurisdiction where the Mortgaged Property is located.

       

      Points
        and Fees:
        No
        Mortgagor was charged “points and fees” (whether or not financed) in an amount
        greater than (i) $1,000, or (ii) 5% of the principal amount of such
        Mortgage Loan, whichever is greater. For purposes of this representation,
        such
        5% limitation is calculated in accordance with Fannie Mae’s anti-predatory
        lending requirements as set forth in the Fannie Mae Guides and “points and fees”
(x) include origination, underwriting, broker and finder fees and charges
        that
        the mortgagee imposed as a condition of making the Mortgage Loan, whether
        they
        are paid to the mortgagee or a third party, and (y) exclude bona fide
        discount points, fees paid for actual services rendered in connection with
        the
        origination of the Mortgage Loan (such as attorneys’ fees, notaries fees and
        fees paid for property appraisals, credit reports, surveys, title examinations
        and extracts, flood and tax certifications, and home inspections), the cost
        of
        mortgage insurance or credit-risk price adjustments, the costs of title,
        hazard,
        and flood insurance policies, state and local transfer taxes or fees, escrow
        deposits for the future payment of taxes and insurance premiums, and other
        miscellaneous fees and charges that, in total, do not exceed 0.25% of the
        principal amount of such Mortgage Loan.

       

      Preliminary
        Mortgage Schedule:
        As
        defined in Section 3.

       

      Prepayment
        Penalty:
        With
        respect to each Mortgage Loan, the fee, if any, payable upon the prepayment,
        in
        whole or in part, of such Mortgage Loan, as set forth in the related Mortgage
        Note.

       

      Prime
        Rate:
        The
        prime rate announced to be in effect from time to time, as published as the
        average rate in The Wall Street Journal (Northeast edition).

       

      Principal
        Prepayment:
        Any
        payment or other recovery of principal on a Mortgage Loan which is received
        in
        advance of its scheduled Due Date, including any Prepayment Penalty or premium
        thereon and which is not accompanied by an amount of interest representing
        scheduled interest due on any date or dates in any month or months subsequent
        to
        the month of prepayment.

       

      Purchase
        Price:
        The
        price paid on the related Closing Date by the Purchaser to the Seller in
        exchange for the Mortgage Loans in the related Mortgage Loan Package as
        calculated in Section 4
        of this
        Agreement.

       

      Purchase
        Price and Terms Agreement:
        With
        respect to each purchase of a Mortgage Loan Package hereunder, that certain
        letter agreement setting forth the general terms and conditions of such
        transaction consummated herein and identifying the Mortgage Loans to be
        purchased hereunder, by and between the Seller and the Purchaser.

       

      Purchaser:
        Goldman
        Sachs Mortgage Company, a New York limited partnership, and its successors
        in
        interest and assigns, and any successor to the Purchaser under this Agreement
        as
        herein provided.

       

      Qualified
        Appraiser:
        An
        appraiser, duly appointed by the Seller, who had no interest, direct or indirect
        in the Mortgaged Property or in any loan made on the security thereof, and
        whose
        compensation is not affected by the approval or disapproval of the Mortgage
        Loan, and such appraiser and the appraisal made by such appraiser both satisfy
        the requirements of Title XI of the Financial Institutions Reform, Recovery,
        and
        Enforcement Act of 1989 and the regulations promulgated thereunder, all as
        in
        effect on the date the Mortgage Loan was originated.

       

      Qualified
        Correspondent:
        Any
        Person from which the Seller purchased Mortgage Loans, provided that the
        following conditions are satisfied: (i) such Mortgage Loans were originated
        pursuant to an agreement between the Seller and such Person that contemplated
        that such Person would underwrite mortgage loans from time to time, for sale
        to
        the Seller, in accordance with underwriting guidelines designated by the
        Seller
        (“Designated
        Guidelines”)
        or
        guidelines that do not vary materially from such Designated Guidelines;
        (ii) such Mortgage Loans were in fact underwritten as described in clause
        (i) above and were acquired by the Seller within one hundred eighty (180)
        days
        after origination; (iii) either (x) the Designated Guidelines were, at
        the time such Mortgage Loans were originated, used by the Seller in origination
        of mortgage loans of the same type as the Mortgage Loans for the Seller’s own
        account or (y) the Designated Guidelines were, at the time such Mortgage
        Loans were underwritten, designated by the Seller on a consistent basis for
        use
        by lenders in originating mortgage loans to be purchased by the Seller; and
        (iv) the Seller employed, at the time such Mortgage Loans were acquired by
        the Seller, pre-purchase or post-purchase quality assurance procedures (which
        may involve, among other things, review of a sample of mortgage loans purchased
        during a particular time period or through particular channels) designed
        to
        ensure that Persons from which it purchased mortgage loans properly applied
        the
        underwriting criteria designated by the Seller.

       

      Qualified
        Insurer:
        An
        insurance company duly qualified as such under the laws of the states in
        which
        the Mortgaged Properties are located, duly authorized and licensed in such
        states to transact the applicable insurance business and to write the insurance
        provided, approved as an insurer by Fannie Mae and Freddie Mac and whose
        claims
        paying ability is rated in the highest rating category by any of the Rating
        Agencies with respect to primary mortgage insurance and in the two highest
        rating categories by A.M. Best’s with respect to hazard and flood insurance (or
        such other rating as may be required by a Rating Agency in connection with
        a
        Securitization Transaction in order to achieve the desired ratings for the
        securities to be issued in connection with such Securitization
        Transaction).

       

      Qualified
        Substitute Mortgage Loan:
        A
        mortgage loan eligible to be substituted by the Seller for a Deleted Mortgage
        Loan which must, on the date of such substitution, (i) have an outstanding
        principal balance, after deduction of all scheduled payments due in the month
        of
        substitution (or in the case of a substitution of more than one mortgage
        loan
        for a Deleted Mortgage Loan, an aggregate principal balance), not in excess
        of
        the outstanding principal balance of the Deleted Mortgage Loan; (ii) have a
        Mortgage Interest Rate not less than and not more than 1% greater than the
        Mortgage Interest Rate of the Deleted Mortgage Loan; (iii) have a remaining
        term to maturity not greater than and not more than one year less than that
        of
        the Deleted Mortgage Loan (iv) be of the same type as the Deleted Mortgage
        Loan (i.e., fixed rate or adjustable rate with same Periodic Rate Cap, Lifetime
        Rate Cap, Index and lien priority); and (v) comply with each representation
        and warranty (respecting individual Mortgage Loans) set forth in Section 9
        hereof.

       

      Rating
        Agency:
        Any of
        Fitch, Moody’s or Standard & Poor’s, or their respective successors
        designated by the Purchaser.

       

      Reconstitution:
        Any
        Securitization Transaction, Agency Transfer or Whole Loan Transfer.

       

      Reconstitution
        Agreements:
        The
        agreement or agreements entered into by the Seller and the Purchaser and/or
        certain third parties on the Reconstitution Date or Dates with respect to
        any or
        all of the Mortgage Loans sold hereunder, in connection with a Whole Loan
        Transfer, Agency Transfer or a Securitization Transaction pursuant to
Section 13,
        including, but not limited to, a seller’s warranties and servicing agreement
        with respect to a Whole Loan Transfer, and a pooling and servicing agreement
        and/or seller/servicer agreements and related custodial/trust agreement and
        documents with respect to a Securitization Transaction.

       

      Reconstitution
        Date:
        As
        defined in Section 13.

       

      Regulation
        AB:
        Subpart
        229.1100 - Asset Backed Securities (Regulation AB), 17 C.F.R.
§§ 229.1100-229.1123, as such may be amended from time to time, and subject
        to such clarification and interpretation as have been provided by the Commission
        in the adopting release (Asset-Backed Securities, Securities Act Release
        No. 33-8518, 70 Fed. Reg. 1,506, 1,531 (Jan. 7, 2005)) or by the staff
        of the Commission, or as may be provided by the Commission or its staff from
        time to time.

       

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

       

      REMIC
        Provisions:
        Provisions of the federal income tax law relating to a REMIC, which appear
        at
        Section 860A through 860G of Subchapter M of Chapter 1, Subtitle A of the
        Code, and related provisions and regulations, rulings or pronouncements
        promulgated thereunder, as the foregoing may be in effect from time to
        time.

       

      Remittance
        Date:
        The
        date specified in the Interim Servicing Agreement (with respect to each Mortgage
        Loan, as specified therein).

       

      Repurchase
        Price:
        With
        respect to any Mortgage Loan for which a breach of a representation or warranty
        under this Agreement is found, a price equal to the outstanding principal
        balance of the Mortgage Loan to be repurchased as of the date of repurchase,
        plus accrued interest thereon at the Mortgage Interest Rate from the date
        on
        which interest had last been paid through the date of such repurchase, plus
        the
        amount of any outstanding advances owed to any servicer, and plus all costs
        and
        expenses incurred by the Purchaser or any servicer arising out of or based
        upon
        such breach, including without limitation (i) costs and expenses incurred
        in the enforcement of the Seller’s repurchase obligation hereunder and
        (ii) any costs and damages incurred by the Purchaser in connection with any
        violation by such Mortgage Loan of any predatory lending law or abusive lending
        law.

       

      RESPA:
        Real
        Estate Settlement Procedures Act, as amended from time to time.

       

      Second
        Lien Mortgage Loan:
        A
        Mortgage Loan secured by a second lien Mortgage on the related Mortgaged
        Property.

       

      Securities
        Act:
        The
        Securities Act of 1933, as amended.

       

      Securitization
        Transaction:
        Any
        transaction involving either (1) a sale or other transfer of some or all of
        the Mortgage Loans directly or indirectly to an issuing entity in connection
        with an issuance of publicly offered or privately placed, rated or unrated
        mortgage-backed securities or (2) an issuance of publicly offered or
        privately placed, rated or unrated securities, the payments on which are
        determined primarily by reference to one or more portfolios of residential
        mortgage loans consisting, in whole or in part, of some or all of the Mortgage
        Loans.

       

      Seller:
        New
        Century Mortgage Corporation, its successors in interest and
        assigns.

       

      Seller
        Information:
        As
        defined in Subsection 33.04(a).

       

      Servicer:
        New
        Century Mortgage Corporation, its successors in interest and
        assigns.

       

      Servicing
        Fee:
        With
        respect to each Mortgage Loan subject to the Interim Servicing Agreement,
        a fee
        payable monthly equal to one-twelfth of the product of (a) the Servicing
        Fee Rate and (b) the outstanding principal balance as of the beginning of
        the month of such Mortgage Loan. Such fee shall be payable monthly and shall
        be
        pro-rated for any portion of a month during which the Mortgage Loan is serviced
        by the Servicer under the Interim Servicing Agreement. The obligation of
        the
        Purchaser to pay the Servicing Fee is limited to, and the Servicing Fee is
        payable solely from, the interest portion (including recoveries with respect
        to
        interest from Liquidation Proceeds, Condemnation Proceeds and Insurance
        Proceeds, to the extent permitted by this Agreement) of such Monthly Payment
        collected by the Servicer, or as otherwise provided under this
        Agreement.

       

      Servicing
        Fee Rate:
        An
        amount per annum as set forth in the Interim Servicing Agreement.

       

      Servicing
        File:
        With
        respect to each Mortgage Loan, the file retained by the Servicer consisting
        of
        originals of all documents in the Mortgage File which are not delivered to
        the
        Purchaser or the Custodian and copies of the Mortgage Loan Documents set
        forth
        in as provided in Section 6.03
        hereof.

       

      Servicing
        Rights:
        Any and
        all of the following: (a) any and all rights to service the Mortgage Loans;
        (b) any payments to or monies received by the Seller or Servicer for
        servicing the Mortgage Loans; (c) any late fees, penalties or similar
        payments with respect to the Mortgage Loans but not including any Prepayment
        Penalties; (d) all agreements or documents creating, defining or evidencing
        any such servicing rights to the extent they relate to such servicing rights
        and
        all rights of the Seller thereunder; (e) Escrow Payments or other similar
        payments with respect to the Mortgage Loans and any amounts actually collected
        by the Seller with respect thereto; (f) all accounts and other rights to
        payment related to any of the property described in this paragraph; and
        (g) any and all documents, files, records, servicing files, servicing
        documents, servicing records, data tapes, computer records, or other information
        pertaining to the Mortgage Loans or pertaining to the past, present or
        prospective servicing of the Mortgage Loans.

       

      Sponsor:
        The
        sponsor, as such term is defined in Regulation AB, with respect to any
        Securitization Transaction.

       

      Standard
        & Poor’s:
        Standard & Poor’s Rating Services, a division of The McGraw-Hill Companies
        Inc., and its successors in interest.

       

      Stated
        Principal Balance:
        As to
        each Mortgage Loan, (i) the principal balance of the Mortgage Loan at the
        related Cut-off Date after giving effect to payments of principal due on
        or
        before such date, whether or not received, minus (ii) all amounts
        previously distributed to the Purchaser with respect to the related Mortgage
        Loan representing payments or recoveries of principal or advances in lieu
        thereof.

       

      Static
        Pool Information:
        Static
        pool information as described in Item 1105(a)(1)-(3) and 1105(c) of Regulation
        AB.

       

      Successor
        Servicer:
        A
        servicer designated by the Purchaser pursuant to Subsections
        8
        and
9.03
        which is
        entitled to the benefits of the indemnifications set forth in Subsections
        9.03
        and
14.01.

       

      Third-Party
        Originator:
        Each
        Person, other than a Qualified Correspondent, that originated Mortgage Loans
        acquired by the Seller.

       

      Thirty-day
        Delinquency:
        The
        failure of the Mortgagor to make any Monthly Payment due under the Mortgage
        Note
        on or prior to the date which is 30 days after such payment’s Due
        Date.

       

      Transfer
        Date:
        With
        respect to each Mortgage Loan, (a) on or before the date set forth in the
        related Purchase Price and Terms Agreement, or (b) such other date as
        mutually agreed by the Seller and the Purchaser.

       

      Underwriting
        Guidelines:
        The
        underwriting guidelines of Home123 Corporation, a copy of which is attached
        hereto as Exhibit
        J.

       

      VA
        Approved Lender:
        Those
        lenders which are approved by the VA to act as a lender in connection with
        the
        origination of VA mortgage loans.

       

      Whole
        Loan Agreement:
        Any
        Reconstitution Agreement in respect of a Whole Loan Transfer.

       

      Whole
        Loan Transfer:
        Any
        sale or transfer of some or all of the Mortgage Loans, other than a
        Securitization Transaction.

       

      SECTION
        2.  Agreement
        to Purchase.

       

      The
        Seller, on each related Closing Date, agrees to sell, and the Purchaser agrees
        to purchase, Mortgage Loans having an aggregate principal balance on the
        related
        Cut-off Date in an amount as set forth in the related Purchase Price and
        Terms
        Agreement, or in such other amount as agreed by the Purchaser and the Seller
        as
        evidenced by the aggregate scheduled principal balance of the Mortgage Loans
        accepted by the Purchaser on the related Closing Date.

       

      SECTION
        3.  Mortgage
        Schedules.

       

      The
        Seller shall provide the Purchaser with certain information constituting
        a
        preliminary listing of the Mortgage Loans in a Mortgage Loan Package to be
        purchased on the related Closing Date in accordance with the related Purchase
        Price and Terms Agreement and this Agreement (a “Preliminary
        Mortgage Schedule”).

       

      On
        the
        date which is two days prior to the related Closing Date (the “Schedule
        Delivery Date”),
        the
        Seller shall deliver to the Purchaser a schedule of the Mortgage Loans to
        be
        purchased by the Purchaser on the related Closing Date (the “Mortgage
        Loan Schedule”)
        which
        shall be the Preliminary Mortgage Schedule excluding (a) any mortgage loans
        which have prepaid in full during the period from the related Cut-off Date
        to
        the related Schedule Delivery Date (“Prepaid
        Mortgage Loans”)
        and
        (b) those Mortgage Loans which have not been funded prior to the related
        Closing Date. The Purchaser shall have no obligation to purchase such Prepaid
        Mortgage Loans.

       

      SECTION
        4.  Purchase
        Price.

       

      The
        Purchase Price for each Mortgage Loan in a Mortgage Loan Package shall be
        the
        percentage of par as stated in the related Purchase Price and Terms Agreement
        (subject to adjustment as provided therein), multiplied by the aggregate
        principal balance, as of the related Cut-off Date, of the Mortgage Loans
        listed
        on the related Closing Schedule, after application of payments of principal
        actually received on or before the related Cut-off Date.

       

      The
        initial principal amount of the Mortgage Loans in a Mortgage Loan Package
        shall
        be the aggregate principal balance of the related Mortgage Loans, so computed
        as
        of the related Cut-off Date as set forth on the related Mortgage Loan Schedule.
        If so provided in the related Purchase Price and Terms Agreement, portions
        of
        the Mortgage Loans shall be priced separately.

       

      In
        addition to the Purchase Price as described above, the Purchaser shall pay
        to
        the Seller, at closing, accrued interest on the current principal amount
        of the
        Mortgage Loans in the related Mortgage Loan Package as of the related Cut-off
        Date at the weighted average the weighted average Mortgage Interest Rate
        of such
        Mortgage Loans (net of the Servicing Fee Rate) from the date to which interest
        was last paid through the day prior to the related Closing Date, inclusive.
        The
        Purchase Price plus accrued interest as set forth in the preceding paragraph
        shall be paid to the Seller by wire transfer of immediately available funds
        to
        an account designated by the Seller in writing.

       

      The
        Purchaser shall be entitled to (1) all recoveries of principal collected
        after the related Cut-off Date, and (2) all payments of interest on the
        Mortgage Loans received on and after the related Closing Date. The principal
        balance of each Mortgage Loan as of the related Cut-off Date is determined
        after
        application of payments of principal due on or before the related Cut-off
        Date
        whether or not collected. Therefore, payments of scheduled principal and
        interest prepaid for a due date beyond the related Cut-off Date shall not
        be
        applied to the principal balance as of the related Cut-off Date. Such prepaid
        amounts (minus interest at the Servicing Fee Rate) shall be the property
        of the
        Purchaser. The Seller shall deposit any such prepaid amounts into the Custodial
        Account, which account is established for the benefit of the Purchaser for
        subsequent remittance by the Seller to the Purchaser.

       

      SECTION
        5.  Examination
        of Mortgage Files.

       

      No
        later
        than five (5) Business Days after the date of the related Purchase Price
        and
        Terms Agreement, the Seller shall deliver to the Custodian the Mortgage File,
        including a copy of the Assignment of Mortgage, pertaining to each Mortgage
        Loan.

       

      At
        least
        ten (10) Business Days prior to the related Closing Date, with respect to
        each
        Mortgage Loan to be purchased in the related Mortgage Loan Package, the Seller
        shall make the agreed upon number of Servicing Files (including payment
        histories) and Credit Files, as set forth in the related Purchase Price and
        Terms Agreement, available to the Purchaser for examination at a mutually
        agreed
        upon location.

       

      Such
        examination of the Mortgage Files may be made by the Purchaser or its designee
        at any reasonable time before or after the related Closing Date. If the
        Purchaser makes such examination prior to the related Closing Date and
        determines, in its sole discretion, that any Mortgage Loan is unacceptable
        to
        the Purchaser for any reason, such Mortgage Loan shall be deleted from the
        related Mortgage Loan Schedule, and may be replaced by a Qualified Substitute
        Mortgage Loan (or Loans) acceptable to the Purchaser. The Purchaser may,
        at its
        option and without notice to the Seller, purchase some or all of the Mortgage
        Loans without conducting any partial or complete examination. The fact that
        the
        Purchaser or its designee has conducted or has failed to conduct any partial
        or
        complete examination of the Mortgage Files or the Credit Files shall not
        affect
        the Purchaser’s (or any of its successor’s) rights to demand repurchase,
        substitution or other relief as provided herein.

       

      In
        the
        event that the Seller fails to deliver the Credit Files with respect to any
        Mortgage Loan after the related Closing Date, the Seller shall, upon the
        request
        of the Purchaser, repurchase such Mortgage Loan at the price and in the manner
        specified in Subsection 9.03.

       

      SECTION
        6.  Conveyance
        from Seller to Purchaser.

       

      Subsection
        6.01  Conveyance
        of Mortgage Loans.

       

      The
        Seller, by execution and delivery of the related Assignment and Conveyance
        on
        each related Closing Date, does hereby sell, transfer, assign, set over and
        convey to the Purchaser, without recourse, but subject to the terms of this
        Agreement, all right, title and interest of the Seller in and to the Mortgage
        Loans in the related Mortgage Loan Package and the related Mortgage Files
        and
        all rights and obligations arising under the documents contained
        therein.

       

      Subsection
        6.02  Books
        and Records.

       

      Record
        title to each Mortgage as of the related Closing Date shall be in the name
        of
        the Seller, an Affiliate of the Seller, the Purchaser or one or more designees
        of the Purchaser, as the Purchaser shall select. Notwithstanding the foregoing,
        each Mortgage and related Mortgage Note shall be possessed solely by the
        Purchaser or the appropriate designee of the Purchaser, as the case may be.
        All
        rights arising out of the Mortgage Loans including, but not limited to, all
        funds received by the Seller or the Servicer after the related Cut-off Date
        on
        or in connection with a Mortgage Loan shall be vested in the Purchaser or
        one or
        more designees of the Purchaser; provided, however, that all funds received
        on
        or in connection with a Mortgage Loan shall be received and held by the Seller
        or the Servicer in trust for the benefit of the Purchaser or the appropriate
        designee of the Purchaser, as the case may be, as the owner of the Mortgage
        Loans pursuant to the terms of this Agreement.

       

      The
        sale
        of each Mortgage Loan shall be reflected on the Seller’s balance sheet and other
        financial statements as a sale of assets by the Seller.

       

      The
        Seller shall be responsible for maintaining, and shall maintain, a complete
        set
        of books and records for each Mortgage Loan which shall be marked clearly
        to
        reflect the ownership of each Mortgage Loan by the Purchaser. In particular,
        the
        Seller shall maintain in its possession, available for inspection by the
        Purchaser, and shall deliver to the Purchaser upon demand, evidence of
        compliance with all federal, state and local laws, rules and regulations,
        and
        requirements of Fannie Mae or Freddie Mac, including but not limited to
        documentation as to the method used in determining the applicability of the
        provisions of the National Flood Insurance Act of 1968, as amended, to the
        Mortgaged Property, documentation evidencing insurance coverage and periodic
        inspection reports, as required by the Fannie Mae Guides. To the extent that
        original documents are not required for purposes of realization of Liquidation
        Proceeds or Insurance Proceeds, documents maintained by the Seller may be
        in the
        form of microfilm or microfiche so long as the Seller complies with the
        requirements of the Fannie Mae Guides.

       

      Subsection
        6.03  Delivery
        of Mortgage Loan Documents.

       

      The
        Seller shall deliver and release to the Custodian no later than five (5)
        Business Days prior to the related Closing Date the Mortgage Files with respect
        to each Mortgage Loan in the related Mortgage Loan Package.

       

      The
        Custodian shall certify its receipt of all such Mortgage Loan Documents required
        to be delivered pursuant to the Custodial Agreement for the related Closing
        Date, as evidenced by the Initial Certification of the Custodian in the form
        annexed to the Custodial Agreement.

       

      The
        Seller shall or shall cause the Servicer to forward to the Custodian, or
        to such
        other Person as the Purchaser shall designate in writing, original documents
        evidencing an assumption, modification, consolidation or extension of any
        Mortgage Loan entered into in accordance with this Agreement within two weeks
        of
        their execution, provided, however, that the Seller shall provide the Custodian,
        or to such other Person as the Purchaser shall designate in writing, with
        a
        certified true copy of any such document submitted for recordation within
        two
        weeks of its execution, and shall promptly provide the original of any document
        submitted for recordation or a copy of such document certified by the
        appropriate public recording office to be a true and complete copy of the
        original within ninety days of its submission for recordation.

       

      In
        the
        event any document listed on Exhibit
        A
        as
        constituting a part of the Mortgage Files and required to be delivered to
        the
        Custodian pursuant to this Subsection 6.03,
        including an original or copy of any document submitted for recordation to
        the
        appropriate public recording office, is not so delivered to the Custodian,
        or to
        such other Person as the Purchaser shall designate in writing, on the related
        Closing Date (other than with respect to the Assignments of Mortgage which
        shall
        be delivered to the Custodian in blank on or prior to the related Closing
        Date
        and recorded subsequently by the Purchaser or its designee or documents
        submitted for recordation to the appropriate public recording office), and
        in
        the event that the Seller does not cure such failure within 30 days of discovery
        or receipt of written notification of such failure from the Purchaser, the
        related Mortgage Loan shall, upon the request of the Purchaser, be repurchased
        by the Seller at the price and in the manner specified in Subsection 9.03.
        The
        foregoing repurchase obligation shall not apply in the event that the Seller
        cannot deliver an original document submitted for recordation to the appropriate
        public recording office within the specified period due to a delay caused
        by the
        recording office in the applicable jurisdiction; provided that (i) the
        Seller shall instead deliver a recording receipt of such recording office
        or, if
        such recording receipt is not available, an officer’s certificate of an officer
        of the Seller, confirming that such documents have been accepted for recording;
        provided that, upon request of the Purchaser and delivery by the Purchaser
        to
        the Seller of a schedule of the Mortgage Loans, the Seller shall reissue
        and
        deliver to the Purchaser or its designee said officer’s certificate and
        (ii) such document is delivered within twelve (12) months of the related
        Closing Date.

       

      The
        Purchaser or the Purchaser’s designee shall be responsible for recording the
        Assignments of Mortgage at the Purchaser’s expense.

       

      Subsection
        6.04  Quality
        Control Procedures.

       

      The
        Originator shall have an internal quality control program that verifies,
        on a
        regular basis, the existence and accuracy of the legal documents, credit
        documents, property appraisals, and underwriting decisions. The program shall
        include evaluating and monitoring the overall quality of the Originator’s loan
        production and the servicing activities of the Servicer. The program is to
        ensure that the Mortgage Loans are originated and serviced in accordance
        with
        Accepted Servicing Standards and the Underwriting Guidelines; guard against
        dishonest, fraudulent, or negligent acts; and guard against errors and omissions
        by officers, employees, or other authorized persons.

       

      SECTION
        7.  Servicing
        of the Mortgage Loans.

       

      The
        Mortgage Loans in each Mortgage Loan Package have been sold by the Seller
        to the
        Purchaser on a servicing released basis. Subject to and upon the terms and
        conditions of this Agreement, the Seller hereby sells, transfers, assigns,
        conveys and delivers to the Purchaser the related Servicing Rights.

       

      The
        Purchaser shall retain the Servicer as contract servicer of the Mortgage
        Loans
        for an interim period pursuant to and in accordance with the terms and
        conditions contained in the Interim Servicing Agreement (with respect to
        each
        Mortgage Loan, for an interim period, as specified therein). The Purchaser
        and
        Servicer shall execute the Interim Servicing Agreement on the initial Closing
        Date. Pursuant to the Interim Servicing Agreement, the Servicer shall begin
        servicing the Mortgage Loans on behalf of the Purchaser and shall be entitled
        to
        the Servicing Fee with respect to such Mortgage Loans from the related Closing
        Date until the termination of the Interim Servicing Agreement as set forth
        therein.

       

      SECTION
        8.  Transfer
        of Servicing.

       

      On
        the
        related Transfer Date, the Purchaser, or its designee, shall assume all
        servicing responsibilities related to, and the Servicer shall cease all
        servicing responsibilities related to the Mortgage Loans. The Transfer Date
        with
        respect to the Mortgage Loans in each Mortgage Loan Package shall be the
        date
        set forth in the related Mortgage Loan Purchase Price and Terms Agreement
        (with
        respect to each Mortgage Loan, for an interim period, as specified
        therein).

       

      On
        or
        prior to the related Transfer Date, the Seller shall, at its sole cost and
        expense, take, or cause the Servicer to take, such steps as may be necessary
        or
        appropriate to effectuate and evidence the transfer of the servicing of the
        related Mortgage Loans to the Successor Servicer, including but not limited
        to
        the following:

       

      (a)  Notice
        to Mortgagors.
        The
        Seller shall, or shall cause the Servicer to, mail to the Mortgagor of each
        related Mortgage Loan a letter advising such Mortgagor of the transfer of
        the
        servicing of the related Mortgage Loan to the Purchaser, or its designee,
        in
        accordance with the Cranston Gonzales National Affordable Housing Act of
        1990;
        provided, however, the content and format of the letter shall have the prior
        approval of the Purchaser. The Seller shall, or shall cause the Servicer
        to,
        provide the Purchaser with copies of all such related notices no later than
        the
        related Transfer Date.

       

      (b)  Notice
        to Taxing Authorities and Insurance Companies.
        The
        Seller shall, or shall cause the Servicer to, transmit to the applicable
        taxing
        authorities and insurance companies (including primary mortgage insurance
        policy
        insurers, if applicable) and/or agents, notification of the transfer of the
        servicing to the Purchaser, or its designee, and instructions to deliver
        all
        notices, tax bills and insurance statements, as the case may be, to the
        Purchaser or its designee from and after the related Transfer Date. The Seller
        shall, or shall cause the Servicer to, provide the Purchaser or its designee
        with copies of all such notices no later than the related Transfer
        Date.

       

      (c)  Delivery
        of Servicing Records.
        The
        Seller shall, or shall cause the Servicer to, forward to the Purchaser, or
        its
        designee, all servicing records and the Servicing File in the Seller’s or
        Servicer’s possession relating to each related Mortgage Loan including the
        information enumerated in the Interim Servicing Agreement (with respect to
        each
        such Mortgage Loan, for an interim period, as specified therein).

       

      (d)  Escrow
        Payments.
        The
        Seller shall, or shall cause the Servicer to, provide the Purchaser, or its
        designee, with immediately available funds by wire transfer in the amount
        of the
        net Escrow Payments and suspense balances and all loss draft balances associated
        with the related Mortgage Loans. The Seller shall, or shall cause the Servicer
        to, provide the Purchaser with an accounting statement of Escrow Payments
        and
        suspense balances and loss draft balances sufficient to enable the Purchaser
        to
        reconcile the amount of such payment with the accounts of the Mortgage Loans.
        Additionally, the Seller shall, or shall cause the Servicer to, wire transfer
        to
        the Purchaser the amount of any agency, trustee or prepaid Mortgage Loan
        payments and all other similar amounts held by the Seller or the
        Servicer.

       

      (e)  Payoffs
        and Assumptions.
        The
        Seller shall, or shall cause the Servicer to, provide to the Purchaser, or
        its
        designee, copies of all assumption and payoff statements generated by the
        Seller
        or the Servicer on the related Mortgage Loans from the related Cut-off Date
        to
        the related Transfer Date.

       

      (f)  Mortgage
        Payments Received Prior to the Related Transfer Date.
        Prior
        to the related Transfer Date all payments received by the Seller or the Servicer
        on each related Mortgage Loan shall be properly applied to the account of
        the
        particular Mortgagor.

       

      (g)  Mortgage
        Payments Received after Transfer Date.
        The
        amount of any related Monthly Payments received by the Seller or the Servicer
        after the related Transfer Date shall be forwarded to the Purchaser by overnight
        mail on or prior to the date which is one Business Day after the date of
        receipt. The Seller shall, or shall cause the Servicer to, notify the Purchaser
        of the particulars of the payment, which notification requirement shall be
        satisfied if the Seller or the Servicer forwards with its payment sufficient
        information to permit appropriate processing of the payment by the Purchaser.
        The Seller shall, or shall cause the Servicer to, assume full responsibility
        for
        the necessary and appropriate legal application of such Monthly Payments
        received by the Seller or the Servicer after the related Transfer Date with
        respect to related Mortgage Loans then in foreclosure or bankruptcy; provided,
        for purposes of this Agreement, necessary and appropriate legal application
        of
        such Monthly Payments shall include, but not be limited to, endorsement of
        a
        Monthly Payment to the Purchaser with the particulars of the payment such
        as the
        account number, dollar amount, date received and any special Mortgagor
        application instructions and the Seller shall, or shall cause the Servicer
        to,
        comply with the foregoing requirements with respect to all Monthly Payments
        received by the it after the related Transfer Date.

       

      (h)  Misapplied
        Payments.
        Misapplied payments shall be processed as follows:

       

      (1)  All
        parties shall cooperate in correcting misapplication errors;

       

      (2)  The
        party
        receiving notice of a misapplied payment occurring prior to the related Transfer
        Date and discovered after the related Transfer Date shall immediately notify
        the
        other party;

       

      (3)  If
        a
        misapplied payment which occurred prior to the related Transfer Date cannot
        be
        identified and said misapplied payment has resulted in a shortage in a Custodial
        Account or Escrow Account, the Seller shall, or shall cause the Servicer
        to, be
        liable for the amount of such shortage. The Seller shall, or shall cause
        the
        Servicer to, reimburse the Purchaser for the amount of such shortage within
        thirty (30) days after receipt of written demand therefor from the
        Purchaser;

       

      (4)  If
        a
        misapplied payment which occurred prior to the related Transfer Date has
        created
        an improper Purchase Price as the result of an inaccurate outstanding principal
        balance, a check shall be issued to the party shorted by the improper payment
        application within five (5) Business Days after notice thereof by the other
        party; and

       

      (5)  Any
        check
        issued under the provisions of this Section 8(h)
        shall be
        accompanied by a statement indicating the corresponding Seller and/or the
        Purchaser Mortgage Loan identification number and an explanation of the
        allocation of any such payments.

       

      (i)  Books
        and Records.
        On the
        related Transfer Date, the books, records and accounts of the Seller with
        respect to the related Mortgage Loans shall be in accordance with all Accepted
        Servicing Practices.

       

      (j)  Reconciliation.
        The
        Seller shall, or shall cause the Servicer to, on or before the related Transfer
        Date, reconcile principal balances and make any monetary adjustments necessary
        to accurately and correctly reconcile all servicing activities with respect
        to
        such Mortgage Loan, including all payments received and all advances made
        relating to such Mortgage Loan. Any such monetary adjustments will be
        transferred between the Seller and the Purchaser as appropriate.

       

      (k)  IRS
        Forms.
        The
        Seller shall, or shall cause the Servicer to, file all IRS Forms 1099,
        1099A, 1098 or 1041 and K-1 which are required to be filed on or before the
        Transfer Date in relation to the servicing and ownership of the related Mortgage
        Loans. The Seller shall, or shall cause the Servicer to, provide copies of
        such
        forms to the Purchaser upon request and shall reimburse the Purchaser for
        any
        costs or penalties incurred by the Purchaser due to the Seller’s failure to
        comply with this paragraph.

       

      SECTION
        9.  Representations,
        Warranties and Covenants of the Seller; Remedies for Breach.

       

      Subsection
        9.01  Representations
        and Warranties Regarding the Seller.

       

      The
        Seller represents, warrants and covenants to the Purchaser, its successors
        and
        assigns and the Successor Servicer that as of the date hereof and as of each
        Closing Date:

       

      (a)  Due
        Organization and Authority.
        The
        Seller is a corporation duly organized, validly existing and in good standing
        under the laws of the state of California and has all licenses necessary
        to
        carry on its business as now being conducted and is licensed, qualified and
        in
        good standing in each state wherein it owns or leases any material properties
        or
        where a Mortgaged Property is located, if the laws of such state require
        licensing or qualification in order to conduct business of the type conducted
        by
        the Seller, and in any event the Seller is in compliance with the laws of
        any
        such state to the extent necessary to ensure the enforceability of the related
        Mortgage Loan in accordance with the terms of this Agreement; the Seller
        has the
        full corporate power, authority and legal right to hold, transfer and convey
        the
        Mortgage Loans and to execute and deliver this Agreement and to perform its
        obligations hereunder; the execution, delivery and performance of this Agreement
        (including all instruments of transfer to be delivered pursuant to this
        Agreement) by the Seller and the consummation of the transactions contemplated
        hereby have been duly and validly authorized; this Agreement and all agreements
        contemplated hereby have been duly executed and delivered and constitute
        the
        valid, legal, binding and enforceable obligations of the Seller, regardless
        of
        whether such enforcement is sought in a proceeding in equity or at law; and
        all
        requisite corporate action has been taken by the Seller to make this Agreement
        and all agreements contemplated hereby valid and binding upon the Seller
        in
        accordance with their terms;

       

      (b)  Ordinary
        Course of Business.
        The
        consummation of the transactions contemplated by this Agreement are in the
        ordinary course of business of the Seller, and the transfer, assignment and
        conveyance of the Mortgage Notes and the Mortgages by the Seller pursuant
        to
        this Agreement are not subject to the bulk transfer or any similar statutory
        provisions in effect in any applicable jurisdiction;

       

      (c)  No
        Conflicts.
        Neither
        the execution and delivery of this Agreement, the acquisition or origination
        of
        the Mortgage Loans by the Seller, the sale of the Mortgage Loans to the
        Purchaser, the consummation of the transactions contemplated hereby, nor
        the
        fulfillment of or compliance with the terms and conditions of this Agreement,
        will conflict with or result in a breach of any of the terms, conditions
        or
        provisions of the Seller’s charter or by-laws or any legal restriction or any
        agreement or instrument to which the Seller is now a party or by which it
        is
        bound, or constitute a default or result in an acceleration under any of
        the
        foregoing, or result in the violation of any law, rule, regulation, order,
        judgment or decree to which the Seller or its property is subject, or result
        in
        the creation or imposition of any lien, charge or encumbrance that would
        have an
        adverse effect upon any of its properties pursuant to the terms of any mortgage,
        contract, deed of trust or other instrument, or impair the ability of the
        Purchaser to realize on the Mortgage Loans, impair the value of the Mortgage
        Loans, or impair the ability of the Purchaser to realize the full amount
        of any
        insurance benefits accruing pursuant to this Agreement;

       

      (d)  Ability
        to Perform; Solvency.
        The
        Seller does not believe, nor does it have any reason or cause to believe,
        that
        it cannot perform each and every covenant contained in this Agreement. The
        Seller is solvent and the sale of the Mortgage Loans will not cause the Seller
        to become insolvent. The sale of the Mortgage Loans is not undertaken with
        the
        intent to hinder, delay or defraud any of Seller’s creditors;

       

      (e)  No
        Litigation Pending.
        There
        is no action, suit, proceeding or investigation pending or threatened against
        the Seller, before any court, administrative agency or other tribunal asserting
        the invalidity of this Agreement, seeking to prevent the consummation of
        any of
        the transactions contemplated by this Agreement or which, either in any one
        instance or in the aggregate, may result in any material adverse change in
        the
        business, operations, financial condition, properties or assets of the Seller,
        or in any material impairment of the right or ability of the Seller to carry
        on
        its business substantially as now conducted, or in any material liability
        on the
        part of the Seller, or which would draw into question the validity of this
        Agreement or the Mortgage Loans or of any action taken or to be taken in
        connection with the obligations of the Seller contemplated herein, or which
        would be likely to impair materially the ability of the Seller to perform
        under
        the terms of this Agreement. There is no action, suit, proceeding or
        investigation pending against the Seller with respect to the Mortgage Loans
        relating to fraud, predatory lending, servicing or closing
        practices;

       

      (f)  No
        Consent Required.
        No
        consent, approval, authorization or order of, or registration or filing with,
        or
        notice to any court or governmental agency or body including HUD, the FHA
        or the
        VA is required for the execution, delivery and performance by the Seller
        of or
        compliance by the Seller with this Agreement or the Mortgage Loans, the delivery
        of a portion of the Mortgage Files to the Custodian or the sale of the Mortgage
        Loans or the consummation of the transactions contemplated by this Agreement,
        or
        if required, such approval has been obtained prior to the related Closing
        Date;

       

      (g)  Selection
        Process.
        The
        Mortgage Loans were selected from among the outstanding one- to four-family
        mortgage loans in the Seller’s portfolio at the related Closing Date as to which
        the representations and warranties set forth in Subsection 9.02
        could be
        made and such selection was not made in a manner so as to affect adversely
        the
        interests of the Purchaser;

       

      (h)  Delivery
        to the Custodian.
        The
        Mortgage Note, the Mortgage, the Assignment of Mortgage and any other documents
        required to be delivered with respect to each Mortgage Loan pursuant to the
        Custodial Agreement, and any other documents required to be delivered with
        respect to each Mortgage Loan pursuant to Subsection 6.03
        hereof,
        shall be delivered to the Custodian. With respect to each Mortgage Loan,
        the
        Seller will be in possession of a complete Mortgage File in compliance with
        Exhibit A
        hereto,
        except for such documents as will be delivered to the Custodian;

       

      (i)  Mortgage
        Loan Characteristics.
        The
        characteristics of the Mortgage Loans in each Mortgage Loan Package are as
        set
        forth on the description of the pool characteristics for the Mortgage Loans
        delivered as a schedule to the related Assignment and Conveyance in the form
        attached as Exhibit 2
        to the
        Assignment and Conveyance;

       

      (j)  No
        Untrue Information.
        Neither
        this Agreement nor any information, statement, tape, diskette, report, form,
        or
        other document furnished or to be furnished pursuant to this Agreement or
        any
        Reconstitution Agreement or in connection with the transactions contemplated
        hereby (including any Securitization Transaction, Whole Loan Transfer or
        Agency
        Transfer) contains or will contain any untrue statement of fact or omits
        or will
        omit to state a fact necessary to make the statements contained herein or
        therein not misleading;

       

      (k)  Financial
        Statements.
        The
        Seller has delivered to the Purchaser financial statements as to its last
        three
        complete fiscal years and any later quarter ended more than 60 days prior
        to the
        execution of this Agreement. All such financial statements fairly present
        the
        pertinent results of operations and changes in financial position for each
        of
        such periods and the financial position at the end of each such period of
        the
        Seller and its subsidiaries and have been prepared in accordance with generally
        accepted accounting principles consistently applied throughout the periods
        involved, except as set forth in the notes thereto. There has been no change
        in
        the business, operations, financial condition, properties or assets of the
        Seller since the date of the Seller’s financial statements that would have a
        material adverse effect on its ability to perform its obligations under this
        Agreement. The Seller has completed any forms requested by the Purchaser
        in a
        timely manner and in accordance with the provided instructions;

       

      (l)  Loan
        Experience.
        The
        Seller has made available information on its web page as to its loan gain
        and
        loss experience in respect of foreclosures, its loan delinquency experience
        for
        the immediately preceding three-year period, prepayment speed and individual
        loan loss severities and delinquency histories for at least the immediately
        preceding year, in each case with respect to mortgage loans owned by it and
        such
        mortgage loans serviced for others during such period, and all such information
        so delivered shall be true and correct in all material respects;

       

      (m)  No
        Brokers.
        The
        Seller has not dealt with any broker, investment banker, agent or other person
        that may be entitled to any commission or compensation in connection with
        the
        sale of the Mortgage Loans;

       

      (n)  Sale
        Treatment.
        The
        Seller intends to reflect the transfer of the Mortgage Loans as a sale on
        the
        books and records of the Seller and the Seller has determined that the
        disposition of the Mortgage Loans pursuant to this Agreement will be afforded
        sale treatment for tax and accounting purposes;

       

      (o)  Reasonable
        Purchase Price.
        The
        Seller deems the consideration received upon the sale of the Mortgage Loans
        under this Agreement to be fair consideration and reasonably equivalent value
        for the Mortgage Loans;

       

      (p)  Seller’s
        Origination.
        The
        Originator’s decision to originate any mortgage loan or to deny any mortgage
        loan application is an independent decision based upon Originator’s underwriting
        guidelines, and is in no way made as a result of Purchaser’s decision to
        purchase, or not to purchase, or the price Purchaser may offer to pay for,
        any
        such mortgage loan, if originated; and

       

      (q)  Owner
        of Record.
        The
        Seller is the owner of record of each Mortgage and the indebtedness evidenced
        by
        each Mortgage Note, except for the Assignments of Mortgage which have been
        sent
        for recording, and upon recordation the Seller will be the owner of record
        of
        each Mortgage and the indebtedness evidenced by each Mortgage Note.

       

      Subsection
        9.02  Representations
        and Warranties Regarding Individual Mortgage Loans.

       

      The
        Seller hereby represents and warrants to the Purchaser, its successors and
        assigns and the Successor Servicer that, as to each Mortgage Loan, as of
        the
        related Closing Date for such Mortgage Loan; provided that the application
        and
        interpretation of the representations and warranties in this Section in respect
        of Second Lien Mortgage Loans shall be deemed to be modified only to the
        extent
        that a specific requirement or guideline addressed in the Originator’s
        Underwriting Guidelines for the origination of second lien mortgage loans
        differs from the comparable requirement or guideline addressed in the
        Originator’s underwriting guidelines for the origination of first lien mortgage
        loans:

       

      (a)  Mortgage
        Loans as Described.
        The
        information set forth in the Mortgage Loan Schedule is complete, true and
        correct;

       

      (b)  Payments
        Current.
        All
        payments required to be made up to the related Closing Date for the Mortgage
        Loan under the terms of the Mortgage Note, other than payments for which
        the
        related due date was not thirty or more days prior to the related Closing
        Date,
        have been made and credited. No Mortgage Loan has a Thirty-day Delinquency
        nor
        has the Mortgage Loan had a Thirty-day Delinquency at any time since the
        origination of the Mortgage Loan. The first Monthly Payment shall be made
        with
        respect to the Mortgage Loan on its Due Date or within the grace period,
        all in
        accordance with the terms of the related Mortgage Note;

       

      (c)  No
        Outstanding Charges.
        There
        are no defaults in complying with the terms of the Mortgage, and all taxes,
        governmental assessments, insurance premiums, water, sewer and municipal
        charges, leasehold payments or ground rents which previously became due and
        owing have been paid, or an escrow of funds has been established in an amount
        sufficient to pay for every such item which remains unpaid and which has
        been
        assessed but is not yet due and payable. The Seller has not advanced funds,
        or
        induced, solicited or knowingly received any advance of funds by a party
        other
        than the Mortgagor, directly or indirectly, for the payment of any amount
        required under the Mortgage Loan, except for interest accruing from the date
        of
        the Mortgage Note or date of disbursement of the Mortgage Loan proceeds,
        whichever is earlier, to the day which precedes by one (1) month the Due
        Date of
        the first Monthly Payment;

       

      (d)  Original
        Terms Unmodified.
        The
        terms of the Mortgage Note and Mortgage have not been impaired, waived, altered
        or modified in any respect, from the date of origination except by a written
        instrument which has been recorded, if necessary to protect the interests
        of the
        Purchaser, and which has been delivered to the Custodian or to such other
        Person
        as the Purchaser shall designate in writing, and the terms of which are
        reflected in the related Mortgage Loan Schedule. No Mortgage Loan has been
        modified so as to restructure the payment obligations or re-age the Mortgage
        Loan. The substance of any such waiver, alteration or modification has been
        approved by the issuer of any related PMI Policy and the title insurer, if
        any,
        to the extent required by the policy, and its terms are reflected on the
        related
        Mortgage Loan Schedule, if applicable. No Mortgagor has been released, in
        whole
        or in part, except in connection with an assumption agreement, approved by
        the
        issuer of any related PMI Policy and the title insurer, to the extent required
        by the policy, and which assumption agreement is part of the Mortgage Loan
        File
        delivered to the Custodian or to such other Person as the Purchaser shall
        designate in writing and the terms of which are reflected in the related
        Mortgage Loan Schedule;

       

      (e)  No
        Defenses.
        The
        Mortgage Loan is not subject to any right of rescission, set-off, counterclaim
        or defense, including without limitation the defense of usury, nor will the
        operation of any of the terms of the Mortgage Note or the Mortgage, or the
        exercise of any right thereunder, render either the Mortgage Note or the
        Mortgage unenforceable, in whole or in part, or subject to any right of
        rescission, set-off, counterclaim or defense, including without limitation
        the
        defense of usury, and no such right of rescission, set-off, counterclaim
        or
        defense has been asserted with respect thereto, and no Mortgagor was a debtor
        in
        any state or Federal bankruptcy or insolvency proceeding at the time the
        Mortgage Loan was originated;

       

      (f)  Hazard
        Insurance.
        Pursuant to the terms of the Mortgage, all buildings or other improvements
        upon
        the Mortgaged Property are insured by a generally acceptable insurer against
        loss by fire, hazards of extended coverage and such other hazards as are
        provided for in the Fannie Mae Guides or by Freddie Mac, as well as all
        additional requirements set forth in Section 2.10 of the Servicing
        Agreement. If required by the National Flood Insurance Act of 1968, as amended,
        each Mortgage Loan is covered by a flood insurance policy meeting the
        requirements of the current guidelines of the Federal Insurance Administration
        is in effect which policy conforms to Fannie Mae and Freddie Mac, as well
        as all
        additional requirements set forth in Section 2.10 of the Servicing
        Agreement. All individual insurance policies contain a standard mortgagee
        clause
        naming the Seller and its successors and assigns as mortgagee, and all premiums
        thereon have been paid. The Mortgage obligates the Mortgagor thereunder to
        maintain the hazard insurance policy at the Mortgagor’s cost and expense, and on
        the Mortgagor’s failure to do so, authorizes the holder of the Mortgage to
        obtain and maintain such insurance at such Mortgagor’s cost and expense, and to
        seek reimbursement therefor from the Mortgagor. Where required by state law
        or
        regulation, the Mortgagor has been given an opportunity to choose the carrier
        of
        the required hazard insurance, provided the policy is not a “master”
or
        “blanket”
hazard
        insurance policy covering a condominium, or any hazard insurance policy covering
        the common facilities of a planned unit development. The hazard insurance
        policy
        is the valid and binding obligation of the insurer, is in full force and
        effect,
        and will be in full force and effect and inure to the benefit of the Purchaser
        upon the consummation of the transactions contemplated by this Agreement.
        The
        Seller has not engaged in, and has no knowledge of the Mortgagor’s or any
        servicer’s having engaged in, any act or omission which would impair the
        coverage of any such policy, the benefits of the endorsement provided for
        herein, or the validity and binding effect of such policy, without limitation,
        no unlawful fee, commission, kickback or other unlawful compensation or value
        of
        any kind has been or will be received, retained or realized by any attorney,
        firm or other person or entity, and no such unlawful items have been received,
        retained or realized by the Seller;

       

      (g)  Compliance
        with Applicable Laws.
        Any and
        all requirements of any federal, state or local law including, without
        limitation, usury, truth-in-lending, real estate settlement procedures, consumer
        credit protection, predatory, abusive and fair lending laws, equal credit
        opportunity and disclosure laws or unfair and deceptive practices laws
        applicable to the Mortgage Loan including, without limitation, any provisions
        relating to prepayment penalties, have been complied with, the consummation
        of
        the transactions contemplated hereby will not involve the violation of any
        such
        laws or regulations, and the Seller shall maintain in its possession, available
        for the Purchaser’s inspection, and shall deliver to the Purchaser upon demand,
        evidence of compliance with all such requirements. This representation and
        warranty is a Deemed Material Breach Representation;

       

      (h)  No
        Satisfaction of Mortgage.
        The
        Mortgage has not been satisfied, canceled, subordinated or rescinded, in
        whole
        or in part, and the Mortgaged Property has not been released from the lien
        of
        the Mortgage, in whole or in part, nor has any instrument been executed that
        would effect any such release, cancellation, subordination or rescission.
        The
        Seller has not waived the performance by the Mortgagor of any action, if
        the
        Mortgagor’s failure to perform such action would cause the Mortgage Loan to be
        in default, nor has the Seller waived any default resulting from any action
        or
        inaction by the Mortgagor;

       

      (i)  Location
        and Type of Mortgaged Property.
        The
        Mortgaged Property is located in the state identified in the Mortgage Loan
        Schedule and consists of real property with a detached single family residence
        erected thereon, or a two- to four-family dwelling, or an individual condominium
        unit in a low-rise condominium project, or an individual unit in a planned
        unit
        development or a de minimis planned unit development which is in each case
        four
        stories or less, provided, however, that any mobile home (double wide only)
        or
        manufactured dwelling shall conform with the applicable Fannie Mae and Freddie
        Mac requirements regarding such dwellings and that no Mortgage Loan is secured
        by a single parcel of real property with a cooperative housing corporation,
        a
        log home or, except as described in Exhibit
        I,
        a
        mobile home erected thereon or by a mixed-use property, a property in excess
        of
        10 acres, or other unique property types. As of the date of origination,
        no
        portion of the Mortgaged Property was used for commercial purposes, and since
        the date of origination, no portion of the Mortgaged Property has been used
        for
        commercial purposes; provided, that Mortgaged Properties which contain a
        home
        office shall not be considered as being used for commercial purposes as long
        as
        the Mortgaged Property has not been altered for commercial purposes and is
        not
        storing any chemicals or raw materials other than those commonly used for
        homeowner repair, maintenance and/or household purposes. With respect to
        any
        Mortgage Loan secured by a Mortgaged Property improved by manufactured housing,
        (i) the related manufactured housing unit is permanently affixed to the land,
        (ii) the related manufactured housing unit and the related land are subject
        to a
        Mortgage properly filed in the appropriate public recording office and naming
        the Seller as mortgagee, (iii) the related Mortgaged Property is not located
        in
        the state of New Jersey and (iv) as of the origination date of the related
        Mortgage Loan, the related manufactured housing unit that secures such Mortgage
        Loan either: (x) was the principal residence of the Mortgagor or (y) was
        classified as real property under applicable state law. This representation
        and
        warranty is a Deemed Material Breach Representation;

       

      (j)  Valid
        First or Second Lien.
        The
        Mortgage is a valid, subsisting, enforceable and perfected, first or second
        lien
        (as applicable) on the Mortgaged Property, including all buildings and
        improvements on the Mortgaged Property and all installations and mechanical,
        electrical, plumbing, heating and air conditioning systems located in or
        annexed
        to such buildings, and all additions, alterations and replacements made at
        any
        time with respect to the foregoing. The lien of the Mortgage is subject only
        to:

       

      (1)  the
        lien
        of current real property taxes and assessments not yet due and
        payable;

       

      (2)  covenants,
        conditions and restrictions, rights of way, easements and other matters of
        the
        public record as of the date of recording acceptable to prudent mortgage
        lending
        institutions generally and specifically referred to in the lender’s title
        insurance policy delivered to the originator of the Mortgage Loan and
        (a) specifically referred to or otherwise considered in the appraisal made
        for the originator of the Mortgage Loan or (b) which do not adversely
        affect the Appraised Value of the Mortgaged Property set forth in such
        appraisal;

       

      (3)  other
        matters to which like properties are commonly subject which do not materially
        interfere with the benefits of the security intended to be provided by the
        Mortgage or the use, enjoyment, value or marketability of the related Mortgaged
        Property; and

       

      (4)  with
        respect to Second Lien Mortgage Loans, the lien of the first mortgage on
        the
        Mortgaged Property.

       

      Any
        security agreement, chattel mortgage or equivalent document related to and
        delivered in connection with the Mortgage Loan establishes and creates a
        valid,
        subsisting, enforceable and perfected (A) first lien and first priority
        security interest with respect to each first lien mortgage loan, or
        (B) second lien and second priority security interest with respect to each
        Second Lien Mortgage Loan, in either case, on the property described therein
        and
        Seller has full right to sell and assign the same to Purchaser.

       

      The
        Mortgaged Property with respect to any Second Lien Mortgage Loan is not subject
        to a first lien mortgage loan which is not a Mortgage Loan;

       

      (k)  Validity
        of Mortgage Documents.
        The
        Mortgage Note and the Mortgage and any other agreement executed and delivered
        by
        a Mortgagor in connection with a Mortgage Loan are genuine, and each is the
        legal, valid and binding obligation of the maker thereof enforceable in
        accordance with its terms (including, without limitation, any provisions
        therein
        relating to Prepayment Penalties). All parties to the Mortgage Note, the
        Mortgage and any other such related agreement had legal capacity to enter
        into
        the Mortgage Loan and to execute and deliver the Mortgage Note, the Mortgage
        and
        any such agreement, and the Mortgage Note, the Mortgage and any other such
        related agreement have been duly and properly executed by other such related
        parties. No fraud, error, omission, misrepresentation, negligence or similar
        occurrence with respect to a Mortgage Loan has taken place on the part of
        any
        Person, including without limitation, the Mortgagor, any appraiser, any builder
        or developer, or any other party involved in the origination or servicing
        of the
        Mortgage Loan. The Seller has reviewed all of the documents constituting
        the
        Servicing File and has made such inquiries as it deems necessary to make
        and
        confirm the accuracy of the representations set forth herein;

       

      (l)  Full
        Disbursement of Proceeds.
        The
        Mortgage Loan has been closed and the proceeds of the Mortgage Loan have
        been
        fully disbursed and there is no requirement for future advances thereunder,
        and
        any and all requirements as to completion of any on-site or off-site improvement
        and as to disbursements of any escrow funds therefor have been complied with.
        All costs, fees and expenses incurred in making or closing the Mortgage Loan
        and
        the recording of the Mortgage were paid, and the Mortgagor is not entitled
        to
        any refund of any amounts paid or due under the Mortgage Note or
        Mortgage;

       

      (m)  Ownership.
        The
        Seller is the sole owner of record and holder of the Mortgage Loan and the
        indebtedness evidenced by each Mortgage Note. The Mortgage Loan is not assigned
        or pledged, and the Seller has good, indefeasible and marketable title thereto,
        and has full right to transfer and sell the Mortgage Loan to the Purchaser
        free
        and clear of any encumbrance, equity, participation interest, lien, pledge,
        charge, claim or security interest, and has full right and authority subject
        to
        no interest or participation of, or agreement with, any other party, to sell
        and
        assign each Mortgage Loan pursuant to this Agreement and following the sale
        of
        each Mortgage Loan, the Purchaser will own such Mortgage Loan free and clear
        of
        any encumbrance, equity, participation interest, lien, pledge, charge, claim
        or
        security interest. The Seller intends to relinquish all rights to possess,
        control and monitor the Mortgage Loan. After the related Closing Date, the
        Seller will have no right to modify or alter the terms of the sale of the
        Mortgage Loan and the Seller will have no obligation or right to repurchase
        the
        Mortgage Loan or substitute another Mortgage Loan, except as provided in
        this
        Agreement;

       

      (n)  Doing
        Business.
        All
        parties which have had any interest in the Mortgage Loan, whether as mortgagee,
        assignee, pledgee or otherwise, are (or, during the period in which they
        held
        and disposed of such interest, were) (1) in compliance with any and all
        applicable licensing requirements of the laws of the state wherein the Mortgaged
        Property is located, and (2) either (i) organized under the laws of
        such state, or (ii) qualified to do business in such state, or (iii) a
        federal savings and loan association, a savings bank or a national bank having
        a
        principal office in such state, or (3) not doing business in such
        state;

       

      (o)  CLTV,
        LTV, PMI Policy.
        No
        Mortgage Loan that is a Second Lien Mortgage Loan has a CLTV in excess of
        100%.
        Any Mortgage Loan that had at the time of origination an LTV in excess of
        80% is
        insured as to payment defaults by a PMI Policy. Any PMI Policy in effect
        covers
        the related Mortgage Loan for the life of such Mortgage Loan. All provisions
        of
        such PMI Policy have been and are being complied with, such policy is in
        full
        force and effect, and all premiums due thereunder have been paid. No action,
        inaction, or event has occurred and no state of facts exists that has, or
        will
        result in the exclusion from, denial of, or defense to coverage. Any Mortgage
        Loan subject to a PMI Policy obligates the Mortgagor thereunder to maintain
        the
        PMI Policy and to pay all premiums and charges in connection
        therewith;

       

      (p)  Title
        Insurance.
        The
        Mortgage Loan is covered by an ALTA lender’s title insurance policy, or with
        respect to any Mortgage Loan for which the related Mortgaged Property is
        located
        in California a CLTA lender’s title insurance policy, or other generally
        acceptable form of policy or insurance acceptable to Fannie Mae or Freddie
        Mac
        and each such title insurance policy is issued by a title insurer acceptable
        to
        Fannie Mae or Freddie Mac and qualified to do business in the jurisdiction
        where
        the Mortgaged Property is located, insuring the Seller, its successors and
        assigns, as to the first priority lien (with respect to first lien Mortgage
        Loans) or second priority lien (with respect to Second Lien Mortgage Loans)
        of
        the Mortgage in the original principal amount of the Mortgage Loan, subject
        only
        to the exceptions contained in clauses (1), (2), (3) and (4) of paragraph
        (j) of
        this Subsection 9.02,
        and in
        the case of adjustable rate Mortgage Loans, against any loss by reason of
        the
        invalidity or unenforceability of the lien resulting from the provisions
        of the
        Mortgage providing for adjustment to the Mortgage Interest Rate and Monthly
        Payment. Where required by state law or regulation, the Mortgagor has been
        given
        the opportunity to choose the carrier of the required mortgage title insurance.
        Additionally, such lender’s title insurance policy affirmatively insures ingress
        and egress, and against encroachments by or upon the Mortgaged Property or
        any
        interest therein. The title policy does not contain any special exceptions
        (other than the standard exclusions) for zoning and uses and has been marked
        to
        delete the standard survey exceptions or to replace the standard survey
        exception with a specific survey reading. The Seller, its successor and assigns,
        are the sole insureds of such lender’s title insurance policy, and such lender’s
        title insurance policy is valid and remains in full force and effect and
        will be
        in force and effect upon the consummation of the transactions contemplated
        by
        this Agreement. No claims have been made under such lender’s title insurance
        policy, and no prior holder of the related Mortgage, including the Seller,
        has
        done, by act or omission, anything which would impair the coverage of such
        lender’s title insurance policy, including without limitation, no unlawful fee,
        commission, kickback or other unlawful compensation or value of any kind
        has
        been or will be received, retained or realized by any attorney, firm or other
        person or entity, and no such unlawful items have been received, retained
        or
        realized by the Seller;

       

      (q)  No
        Defaults.
        Other
        than payments due but not yet 30 days or more delinquent, there is no default,
        breach, violation or event which would permit acceleration existing under
        the
        Mortgage or the Mortgage Note and no event which, with the passage of time
        or
        with notice and the expiration of any grace or cure period, would constitute
        a
        default, breach, violation or event which would permit acceleration, and
        neither
        the Seller nor any of its affiliates nor any of their respective predecessors,
        have waived any default, breach, violation or event which would permit
        acceleration. With respect to each Second Lien Mortgage Loan, (i) the prior
        mortgage is in full force and effect, (ii) there is no default, breach,
        violation or event of acceleration existing under such prior mortgage or
        the
        related mortgage note, (iii) as of the related Closing Date, no event
        which, with the passage of time or with notice and the expiration of any
        grace
        or cure period, would constitute a default, breach, violation or event of
        acceleration thereunder, and either (A) the prior mortgage contains a
        provision which allows or (B) applicable law requires, the mortgagee under
        the Second Lien Mortgage Loan to receive notice of, and affords such mortgagee
        an opportunity to cure any default by payment in full or otherwise under
        the
        prior mortgage;

       

      (r)  No
        Mechanics’ Liens.
        There
        are no mechanics’ or similar liens or claims which have been filed for work,
        labor or material (and no rights are outstanding that under law could give
        rise
        to such liens) affecting the related Mortgaged Property which are or may
        be
        liens prior to, or equal or coordinate with, the lien of the related
        Mortgage;

       

      (s)  Location
        of Improvements; No Encroachments.
        All
        improvements which were considered in determining the Appraised Value of
        the
        Mortgaged Property lay wholly within the boundaries and building restriction
        lines of the Mortgaged Property, and no improvements on adjoining properties
        encroach upon the Mortgaged Property. No improvement located on or being
        part of
        the Mortgaged Property is in violation of any applicable zoning law or
        regulation;

       

      (t)  Origination;
        Payment Terms.
        Either
        (a) the Mortgage Loan was originated by a mortgagee approved by the
        Secretary of Housing and Urban Development pursuant to Sections 203 and 211
        of the National Housing Act, a savings and loan association, a savings bank,
        a
        commercial bank, credit union, insurance company or other similar institution
        which is supervised and examined by a federal or state authority, or
        (b) the following requirements have been met with respect to the Mortgage
        Loan: the Seller meets the requirements set forth in clause (a), and
        (i) such Mortgage Loan was underwritten in accordance with standards
        established by the Seller, using application forms and related credit documents
        approved by the Seller, (ii) the Seller approved each application and the
        related credit documents before a commitment by the correspondent was issued,
        and no such commitment was issued until the Seller agreed to fund such Mortgage
        Loan, (iii) the closing documents for such Mortgage Loan were prepared on
        forms approved by the Seller, and (iv) such Mortgage Loan was actually
        funded by the Seller and was purchased by the Seller at closing or soon
        thereafter. The documents, instruments and agreements submitted for loan
        underwriting were not falsified and contain no untrue statement of material
        fact
        or omit to state a material fact required to be stated therein or necessary
        to
        make the information and statements therein not misleading. No Mortgage Loan
        contains terms or provisions which would result in negative amortization
        other
        than an Option ARM Mortgage Loan. Except with respect to Interest Only Mortgage
        Loans, principal payments on the Mortgage Loan commenced no more than sixty
        days
        after funds were disbursed in connection with the Mortgage Loan. The Mortgage
        Interest Rate as well as the Lifetime Rate Cap and the Periodic Cap, are
        as set
        forth on the related Mortgage Loan Schedule. Except with respect to Interest
        Only Mortgage Loans and Option ARM Mortgage Loans, the Mortgage Note is payable
        in equal monthly installments of principal and interest, with interest
        calculated and payable in arrears, sufficient to amortize the Mortgage Loan
        fully by the stated maturity date, over an original term of not more than
        thirty
        years from commencement of amortization. With respect to Adjustable Rate
        Mortgage Loans, such installments of interest are subject to change due to
        the
        adjustments to the Mortgage Interest Rate on each Interest Rate Adjustment
        Date.
        Unless otherwise specified on the description of pool characteristics attached
        as Exhibit I
        hereto,
        the Mortgage Loan is payable on the first day of each month. There are no
        Convertible Mortgage Loans which contain a provision allowing the Mortgagor
        to
        convert the Mortgage Note from an adjustable interest rate Mortgage Note
        to a
        fixed interest rate Mortgage Note. No Mortgage Loan is a balloon mortgage
        loan
        that has an original stated maturity of less than seven (7) years;

       

      (u)  Customary
        Provisions.
        The
        Mortgage contains customary and enforceable provisions such as to render
        the
        rights and remedies of the holder thereof adequate for the realization against
        the Mortgaged Property of the benefits of the security provided thereby,
        including, (i) in the case of a Mortgage designated as a deed of trust, by
        trustee’s sale, and (ii) otherwise by judicial foreclosure. Upon default by
        a Mortgagor on a Mortgage Loan and foreclosure on, or trustee’s sale of, the
        Mortgaged Property pursuant to the proper procedures, the holder of the Mortgage
        Loan will be able to deliver good and merchantable title to the Mortgaged
        Property. There is no homestead or other exemption available to a Mortgagor
        which would interfere with the right to sell the Mortgaged Property at a
        trustee’s sale or the right to foreclose the Mortgage, subject to applicable
        federal and state laws and judicial precedent with respect to bankruptcy
        and
        right of redemption or similar law;

       

      (v)  Conformance
        with Agency and Underwriting Guidelines.
        The
        Mortgage Loan was underwritten in accordance with the Underwriting Guidelines
        (a
        copy of which is attached hereto as Exhibit
        J).
        The
        Mortgage Note and Mortgage are on forms acceptable to Freddie Mac or Fannie
        Mae
        and the Seller has not made any representations to a Mortgagor that are
        inconsistent with the mortgage instruments used;

       

      (w)  Occupancy
        of the Mortgaged Property.
        As of
        the related Closing Date the Mortgaged Property is lawfully occupied under
        applicable law. All inspections, licenses and certificates required to be
        made
        or issued with respect to all occupied portions of the Mortgaged Property
        and,
        with respect to the use and occupancy of the same, including but not limited
        to
        certificates of occupancy and fire underwriting certificates, have been made
        or
        obtained from the appropriate authorities;

       

      (x)  No
        Additional Collateral.
        The
        Mortgage Note is not and has not been secured by any collateral except the
        lien
        of the corresponding Mortgage and the security interest of any applicable
        security agreement or chattel mortgage referred to in clause (j)
        above;

       

      (y)  Deeds
        of Trust.
        In the
        event the Mortgage constitutes a deed of trust, a trustee, authorized and
        duly
        qualified under applicable law to serve as such, has been properly designated
        and currently so serves and is named in the Mortgage, and no fees or expenses
        are or will become payable by the Purchaser to the trustee under the deed
        of
        trust, except in connection with a trustee’s sale after default by the
        Mortgagor;

       

      (z)  Acceptable
        Investment.
        There
        are no circumstances or conditions with respect to the Mortgage, the Mortgaged
        Property, the Mortgagor, the Mortgage File or the Mortgagor’s credit standing
        that can reasonably be expected to cause private institutional investors
        who
        invest in sub-prime mortgage loans to regard the Mortgage Loan as an
        unacceptable investment, cause the Mortgage Loan to become delinquent, or
        adversely affect the value or marketability of the Mortgage Loan, or cause
        the
        Mortgage Loans to prepay during any period materially faster or slower than
        the
        mortgage loans originated by the Seller generally;

       

      (aa)  Delivery
        of Mortgage Documents.
        The
        Mortgage Note, the Mortgage, the Assignment of Mortgage and any other documents
        constituting the Mortgage File for each Mortgage Loan have been delivered
        to the
        Custodian. The Seller is in possession of a complete, true and accurate Mortgage
        File in compliance with Exhibit A
        hereto,
        except for such documents the originals of which have been delivered to the
        Custodian;

       

      (bb)  Condominiums/Planned
        Unit Developments.
        If the
        Mortgaged Property is a condominium unit or a planned unit development (other
        than a de minimis planned unit development) such condominium or planned unit
        development project such Mortgage Loan was originated in accordance with,
        and
        the Mortgaged Property meets the guidelines set forth in the Originator’s
        Underwriting Guidelines;

       

      (cc)  Transfer
        of Mortgage Loans.
        The
        Assignment of Mortgage with respect to each Mortgage Loan is in recordable
        form
        and is acceptable for recording under the laws of the jurisdiction in which
        the
        Mortgaged Property is located. The transfer, assignment and conveyance of
        the
        Mortgage Notes and the Mortgages by the Seller are not subject to the bulk
        transfer or similar statutory provisions in effect in any applicable
        jurisdiction;

       

      (dd)  Due-On-Sale.
        With
        respect to each Fixed Rate Mortgage Loan, the Mortgage contains an enforceable
        provision for the acceleration of the payment of the unpaid principal balance
        of
        the Mortgage Loan in the event that the Mortgaged Property is sold or
        transferred without the prior written consent of the mortgagee thereunder,
        and
        to the best of the Seller’s knowledge, such provision is
        enforceable;

       

      (ee)  Assumability.
        With
        respect to each Adjustable Rate Mortgage Loan, the Mortgage Loan Documents
        provide that after the related first Interest Rate Adjustment Date, a related
        Mortgage Loan may only be assumed if the party assuming such Mortgage Loan
        meets
        certain credit requirements stated in the Mortgage Loan Documents;

       

      (ff)  No
        Buydown Provisions; No Graduated Payments or Contingent
        Interests.
        The
        Mortgage Loan does not contain provisions pursuant to which Monthly Payments
        are
        paid or partially paid with funds deposited in any separate account established
        by the Seller, the Mortgagor, or anyone on behalf of the Mortgagor, or paid
        by
        any source other than the Mortgagor nor does it contain any other similar
        provisions which may constitute a “buydown” provision. The Mortgage Loan is not
        a graduated payment mortgage loan and the Mortgage Loan does not have a shared
        appreciation or other contingent interest feature;

       

      (gg)  Consolidation
        of Future Advances.
        Any
        future advances made to the Mortgagor prior to the related Cut-off Date have
        been consolidated with the outstanding principal amount secured by the Mortgage,
        and the secured principal amount, as consolidated, bears a single interest
        rate
        and single repayment term. The lien of the Mortgage securing the consolidated
        principal amount is expressly insured as having first or second lien priority
        (as applicable) by a title insurance policy, an endorsement to the policy
        insuring the mortgagee’s consolidated interest or by other title evidence
        acceptable to Fannie Mae and Freddie Mac. The consolidated principal amount
        does
        not exceed the original principal amount of the Mortgage Loan;

       

      (hh)  Mortgaged
        Property Undamaged; No Condemnation Proceedings.
        There
        is no proceeding pending or threatened for the total or partial condemnation
        of
        the Mortgaged Property. The Mortgaged Property is undamaged by waste, fire,
        earthquake or earth movement, windstorm, flood, hurricane, tornado or other
        casualty so as to affect adversely the value of the Mortgaged Property as
        security for the Mortgage Loan or the use for which the premises were intended
        and each Mortgaged Property is in good repair. There have not been any
        condemnation proceedings with respect to the Mortgaged Property and the Seller
        has no knowledge of any such proceedings in the future;

       

      (ii)  Collection
        Practices; Escrow Deposits; Interest Rate Adjustments.
        The
        origination, servicing and collection practices used by the Servicer, the
        Seller, and any prior servicer with respect to the Mortgage Loan have been
        in
        all respects in compliance with Accepted Servicing Practices, applicable
        laws
        and regulations, and have been in all respects legal and proper and prudent
        in
        the mortgage origination and servicing business. With respect to escrow deposits
        and Escrow Payments, all such payments are in the possession of, or under
        the
        control of, the Servicer or the Seller and there exist no deficiencies in
        connection therewith for which customary arrangements for repayment thereof
        have
        not been made. All Escrow Payments have been collected in full compliance
        with
        state and federal law and the provisions of the related Mortgage Note and
        Mortgage. An escrow of funds is not prohibited by applicable law and has
        been
        established in an amount sufficient to pay for every item that remains unpaid
        and has been assessed but is not yet due and payable. No escrow deposits
        or
        Escrow Payments or other charges or payments due the Seller have been
        capitalized under the Mortgage or the Mortgage Note. All Mortgage Interest
        Rate
        adjustments have been made in strict compliance with state and federal law
        and
        the terms of the related Mortgage and Mortgage Note on the related Interest
        Rate
        Adjustment Date. If, pursuant to the terms of the Mortgage Note, another
        index
        was selected for determining the Mortgage Interest Rate, the same index was
        used
        with respect to each Mortgage Note which required a new index to be selected,
        and such selection did not conflict with the terms of the related Mortgage
        Note.
        The Seller executed and delivered any and all notices required under applicable
        law and the terms of the related Mortgage Note and Mortgage regarding the
        Mortgage Interest Rate and the Monthly Payment adjustments. Any interest
        required to be paid pursuant to state, federal and local law has been properly
        paid and credited;

       

      (jj)  Conversion
        to Fixed Interest Rate.
        With
        respect to Adjustable Rate Mortgage Loans, the Mortgage Loan is not a
        Convertible Mortgage Loan;

       

      (kk)  Other
        Insurance Policies.
        No
        action, inaction or event has occurred and no state of facts exists or has
        existed that has resulted or will result in the exclusion from, denial of,
        or
        defense to coverage under any applicable, special hazard insurance policy,
        PMI
        Policy or bankruptcy bond, irrespective of the cause of such failure of
        coverage. In connection with the placement of any such insurance, no commission,
        fee, or other compensation has been or will be received by the Seller or
        by any
        officer, director, or employee of the Seller or any designee of the Seller
        or
        any corporation in which the Seller or any officer, director, or employee
        had a
        financial interest at the time of placement of such insurance;

       

      (ll)  No
        Violation of Environmental Laws.
        The
        Mortgaged Property is free from any and all toxic or hazardous substances
        and
        there exists no violation of any local, state or federal environmental law,
        rule
        or regulation. There is no pending action or proceeding directly involving
        the
        Mortgaged Property in which compliance with any environmental law, rule or
        regulation is an issue; there is no violation of any environmental law, rule
        or
        regulation with respect to the Mortgage Property; and nothing further remains
        to
        be done to satisfy in full all requirements of each such law, rule or regulation
        constituting a prerequisite to use and enjoyment of said property;

       

      (mm)  Servicemembers’
        Civil Relief Act.
        The
        Mortgagor has not notified the Seller, and the Seller has no knowledge of
        any
        relief requested or allowed to the Mortgagor under the Servicemembers’ Civil
        Relief Act;

       

      (nn)  Appraisal.
        The
        Mortgage File contains an appraisal of the related Mortgaged Property signed
        prior to the approval of the Mortgage Loan application by a Qualified Appraiser,
        duly appointed by the related originator, who had no interest, direct or
        indirect in the Mortgaged Property or in any loan made on the security thereof,
        and whose compensation is not affected by the approval or disapproval of
        the
        Mortgage Loan, and the appraisal and appraiser both satisfy the requirements
        of
        Fannie Mae or Freddie Mac and Title XI of the Financial Institutions Reform,
        Recovery, and Enforcement Act of 1989 and the regulations promulgated
        thereunder, all as in effect on the date the Mortgage Loan was
        originated;

       

      (oo)  Disclosure
        Materials.
        The
        Mortgagor has executed a statement to the effect that the Mortgagor has received
        all disclosure materials required by, and the Originator has complied with,
        all
        applicable law with respect to the making of the Mortgage Loans. The Seller
        shall maintain such statement in the Mortgage File;

       

      (pp)  Construction
        or Rehabilitation of Mortgaged Property.
        No
        Mortgage Loan was made in connection with the construction or rehabilitation
        of
        a Mortgaged Property or facilitating the trade-in or exchange of a Mortgaged
        Property;

       

      (qq)  Value
        of Mortgaged Property.
        The
        Seller has no knowledge of any circumstances existing that could reasonably
        be
        expected to adversely affect the value or the marketability of any Mortgaged
        Property or Mortgage Loan or to cause the Mortgage Loans to prepay during
        any
        period materially faster or slower than similar mortgage loans held by the
        Seller generally secured by properties in the same geographic area as the
        related Mortgaged Property;

       

      (rr)  No
        Defense to Insurance Coverage.
        The
        Seller has caused or will cause to be performed any and all acts required
        to
        preserve the rights and remedies of the Purchaser in any insurance policies
        applicable to the Mortgage Loans including, without limitation, any necessary
        notifications of insurers, assignments of policies or interests therein,
        and
        establishments of coinsured, joint loss payee and mortgagee rights in favor
        of
        the Purchaser. No action has been taken or failed to be taken, no event has
        occurred and no state of facts exists or has existed on or prior to the related
        Closing Date (whether or not known to the Seller on or prior to such date)
        which
        has resulted or will result in an exclusion from, denial of, or defense to
        coverage under any primary mortgage insurance (including, without limitation,
        any exclusions, denials or defenses which would limit or reduce the availability
        of the timely payment of the full amount of the loss otherwise due thereunder
        to
        the insured) whether arising out of actions, representations, errors, omissions,
        negligence, or fraud of the Seller, the related Mortgagor or any party involved
        in the application for such coverage, including the appraisal, plans and
        specifications and other exhibits or documents submitted therewith to the
        insurer under such insurance policy, or for any other reason under such
        coverage, but not including the failure of such insurer to pay by reason
        of such
        insurer’s breach of such insurance policy or such insurer’s financial inability
        to pay;

       

      (ss)  Escrow
        Analysis.
        With
        respect to each Mortgage, the Seller or the Servicer has within the last
        twelve
        months (unless such Mortgage was originated within such twelve month period)
        analyzed the required Escrow Payments for each Mortgage and adjusted the
        amount
        of such payments so that, assuming all required payments are timely made,
        any
        deficiency will be eliminated on or before the first anniversary of such
        analysis, or any overage will be refunded to the Mortgagor, in accordance
        with
        RESPA and any other applicable law;

       

      (tt)  Prior
        Servicing.
        Each
        Mortgage Loan has been serviced in strict compliance with Accepted Servicing
        Practices;

       

      (uu)  Credit
        Information.
        As to
        each consumer report (as defined in the Fair Credit Reporting Act, Public
        Law
        91-508) or other credit information furnished by the Seller to the Purchaser,
        that Seller has full right and authority and is not precluded by law or contract
        from furnishing such information to the Purchaser and the Purchaser is not
        precluded by the terms of the Mortgage Loan Documents from furnishing the
        same
        to any subsequent or prospective purchaser of such Mortgage. The Seller shall
        hold the Purchaser harmless from any and all damages, losses, costs and expenses
        (including attorney’s fees) arising from disclosure of credit information in
        connection with the Purchaser’s secondary marketing operations and the purchase
        and sale of mortgages. The Seller has or has caused the related servicer
        to, for
        each Mortgage Loan, fully furnish, in accordance with the Fair Credit Reporting
        Act and its implementing regulations, accurate and complete information (e.g.,
        favorable and unfavorable) on its borrower credit files to Equifax, Experian
        and
        Trans Union Credit Information Company (three of the credit repositories),
        on a
        monthly basis. This representation and warranty is a Deemed Material Breach
        Representation;

       

      (vv)  Leaseholds.
        If the
        Mortgage Loan is secured by a long-term residential lease, (1) the lessor
        under the lease holds a fee simple interest in the land; (2) the terms of
        such lease expressly permit the mortgaging of the leasehold estate, the
        assignment of the lease without the lessor’s consent and the acquisition by the
        holder of the Mortgage of the rights of the lessee upon foreclosure or
        assignment in lieu of foreclosure or provide the holder of the Mortgage with
        substantially similar protections; (3) the terms of such lease do not
        (a) allow the termination thereof upon the lessee’s default without the
        holder of the Mortgage being entitled to receive written notice of, and
        opportunity to cure, such default, (b) allow the termination of the lease
        in the event of damage or destruction as long as the Mortgage is in existence,
        (c) prohibit the holder of the Mortgage from being insured (or receiving
        proceeds of insurance) under the hazard insurance policy or policies relating
        to
        the Mortgaged Property or (d) permit any increase in rent other than
        pre-established increases set forth in the lease; (4) the original term of
        such lease is not less than 15 years; (5) the term of such lease does not
        terminate earlier than five years after the maturity date of the Mortgage
        Note;
        and (6) the Mortgaged Property is located in a jurisdiction in which the
        use of leasehold estates in transferring ownership in residential properties
        is
        a widely accepted practice;

       

      (ww)  Prepayment
        Penalty.
        The
        Mortgage Loan is subject to a Prepayment Penalty as provided in the related
        Mortgage Note except as set forth on the related Mortgage Loan Schedule.
        With
        respect to each Mortgage Loan that has a Prepayment Penalty feature, each
        such
        Prepayment Penalty is enforceable and will be enforced by the Seller for
        the
        benefit of the Purchaser, and each Prepayment Penalty is permitted pursuant
        to
        federal, state and local law. Each such Prepayment Penalty is in an amount
        not
        more than the maximum amount permitted under applicable law and no such
        Prepayment Penalty may provide for a term in excess of five (5) years with
        respect to Mortgage Loans originated prior to October, 1, 2002. With respect
        to
        Mortgage Loans originated on or after October 1, 2002, the duration of the
        Prepayment Penalty period shall not exceed three (3) years from the date
        of the
        Mortgage Note unless the Mortgage Loan was modified to reduce the Prepayment
        Penalty period to no more than three (3) years from the date of such Mortgage
        Loan and the Mortgagor was notified in writing of such reduction in Prepayment
        Penalty period. With respect to any Mortgage Loan that contains a provision
        permitting imposition of a penalty upon a prepayment prior to maturity: (i)
        the
        Mortgage Loan provides some benefit to the Mortgagor (e.g., a rate or fee
        reduction) in exchange for accepting such Prepayment Penalty, (ii) the Mortgage
        Loan’s originator had a written policy of offering the Mortgagor or requiring
        third-party brokers to offer the Mortgagor, the option of obtaining a mortgage
        loan that did not require payment of such a penalty and (iii) the Prepayment
        Penalty was adequately disclosed to the Mortgagor in the mortgage loan documents
        pursuant to applicable state, local and federal law. This representation
        and
        warranty is a Deemed Material Breach Representation;

       

      (xx)  Predatory
        Lending Regulations.
        No
        Mortgage Loan is a High Cost Loan or Covered Loan, as applicable, and no
        Mortgage Loan originated on or after October 1, 2002 through March 6,
        2003 is governed by the Georgia Fair Lending Act. No Mortgage Loan is covered
        by
        the Home Ownership and Equity Protection Act of 1994 and no Mortgage Loan
        is in
        violation of any comparable state or local law. The Mortgaged Property is
        not
        located in a jurisdiction where a breach of this representation with respect
        to
        the related Mortgage Loan may result in additional assignee liability to
        the
        Purchaser, as determined by Purchaser in its reasonable discretion. No predatory
        or deceptive lending practices, including, without limitation, the extension
        of
        credit without regard to the ability of the Mortgagor to repay and the extension
        of credit which has no apparent benefit to the Mortgagor, were employed in
        the
        origination of the Mortgage Loan. Each Mortgage Loan is in compliance with
        the
        anti-predatory lending eligibility for purchase requirements of Fannie Mae’s
        Selling Guide. This representation and warranty is a Deemed Material Breach
        Representation;

       

      (yy)  Single-premium
        Credit Life Insurance Policy.
        In
        connection with the origination of any Mortgage Loan, no proceeds from any
        Mortgage Loan were used to finance or acquire a single-premium credit life
        insurance policy. No Mortgagor was required to purchase any single premium
        credit insurance policy (e.g., life, disability, accident, unemployment or
        property insurance product) or debt cancellation agreement as a condition
        of
        obtaining the extension of credit. No Mortgagor obtained a prepaid single
        premium credit insurance policy (e.g., life, disability, accident, unemployment
        or property insurance policy) in connection with the origination of the Mortgage
        Loan; no proceeds from any Mortgage Loan were used to purchase single premium
        credit insurance policies or debt cancellation agreements as part of the
        origination of, or as a condition to closing, such Mortgage Loan. This
        representation and warranty is a Deemed Material Breach
        Representation;

       

      (zz)  Tax
        Service Contract; Flood Certification Contract.
        Each
        Mortgage Loan is covered by a paid in full, life of loan, tax service contract
        and a paid in full, life of loan, flood certification contract and each of
        these
        contracts is assignable to the Purchaser;

       

      (aaa)  Qualified
        Mortgage.
        The
        Mortgage Loan is a “qualified mortgage” within the meaning of
        Section 860G(a)(3) of the Code;

       

      (bbb)  Regarding
        the Mortgagor.
        The
        Mortgagor is one or more natural persons and/or trustees for an Illinois
        land
        trust or a trustee under a “living trust” and such “living trust” is in
        compliance with Fannie Mae guidelines for such trusts;

       

      (ccc)  Recordation.
        Each
        original Mortgage was recorded and all subsequent assignments of the original
        Mortgage (other than the assignment to the Purchaser) have been recorded
        in the
        appropriate jurisdictions wherein such recordation is necessary to perfect
        the
        lien thereof as against creditors of the Seller, or is in the process of
        being
        recorded;

       

      (ddd)  FICO
        Scores.
        Each
        Mortgagor has a non-zero FICO score. No Mortgage Loan has a Mortgagor with
        a
        FICO score of less than 500;

       

      (eee)  Compliance
        with Anti-Money Laundering Laws.
        The
        Seller has complied with all applicable anti-money laundering laws and
        regulations, including without limitation the USA PATRIOT Act of 2001
        (collectively, the “Anti-Money
        Laundering Laws”);
        the
        Seller has established an anti-money laundering compliance program as required
        by the Anti-Money Laundering Laws, has conducted the requisite due diligence
        in
        connection with the origination of each Mortgage Loan for purposes of the
        Anti-Money Laundering Laws, including with respect to the legitimacy of the
        applicable Mortgagor and the origin of the assets used by the said Mortgagor
        to
        purchase the property in question, and maintains, and will maintain, sufficient
        information to identify the applicable Mortgagor for purposes of the Anti-Money
        Laundering Laws;

       

      (fff)  [Reserved];

       

      (ggg)  [Reserved];

       

      (hhh)  Origination
        Practices.
        The
        Mortgagor was not encouraged or required to select a Mortgage Loan product
        offered by the Mortgage Loan’s originator which is a higher cost product
        designed for less creditworthy borrowers, unless at the time of the Mortgage
        Loan’s origination, such Mortgagor did not qualify taking into account such
        facts as, without limitation, the Mortgage Loan’s requirements and the
        Mortgagor’s credit history, income, assets and liabilities and debt-to-income
        ratios for a lower-cost credit product then offered by the Mortgage Loan’s
        originator or any affiliate of the Mortgage Loan’s originator. For a Mortgagor
        who seeks financing through a Mortgage Loan originator’s higher-priced subprime
        lending channel, the Mortgagor was directed towards or offered the Mortgage
        Loan
        originator’s standard mortgage line if the Mortgagor was able to qualify for one
        of the standard products. This representation and warranty is a Deemed Material
        Breach Representation; 

       

      (iii)  Underwriting
        Methodology.
        The
        methodology used in underwriting the extension of credit for each Mortgage
        Loan
        does not rely on the extent of the Mortgagor’s equity in the collateral as the
        principal determining factor in approving such extension of credit. The
        methodology employed objective criteria that related such facts as, without
        limitation, the Mortgagor’s credit history, income, assets or liabilities, to
        the proposed mortgage payment and, based on such methodology, the Mortgage
        Loan’s originator made a reasonable determination that at the time of
        origination the Mortgagor had the ability to make timely payments on the
        Mortgage Loan. Such underwriting methodology confirmed that at the time of
        origination (application/approval) the Mortgagor had a reasonable ability
        to
        make timely payments on the Mortgage Loan. This representation and warranty
        is a
        Deemed Material Breach Representation;

       

      (jjj)  Points
        and Fees.
        No
        Mortgagor was charged “points and fees” (whether or not financed) in an amount
        greater than (i) $1,000, or (ii) 5% of the principal amount of such
        Mortgage Loan, whichever is greater. For purposes of this representation,
        such
        5% limitation is calculated in accordance with Fannie Mae’s anti-predatory
        lending requirements as set forth in the Fannie Mae Guides and “points and fees”
(x) include origination, underwriting, broker and finder fees and charges
        that
        the mortgagee imposed as a condition of making the Mortgage Loan, whether
        they
        are paid to the mortgagee or a third party, and (y) exclude bona fide
        discount points, fees paid for actual services rendered in connection with
        the
        origination of the Mortgage Loan (such as attorneys’ fees, notaries fees and
        fees paid for property appraisals, credit reports, surveys, title examinations
        and extracts, flood and tax certifications, and home inspections), the cost
        of
        mortgage insurance or credit-risk price adjustments, the costs of title,
        hazard,
        and flood insurance policies, state and local transfer taxes or fees, escrow
        deposits for the future payment of taxes and insurance premiums, and other
        miscellaneous fees and charges that, in total, do not exceed 0.25% of the
        principal amount of such Mortgage Loan. This representation and warranty
        is a
        Deemed Material Breach Representation;

       

      (kkk)  Fees
        Charges.
        All
        fees and charges (including finance charges) and whether or not financed,
        assessed, collected or to be collected in connection with the origination
        and
        servicing of each Mortgage Loan has been disclosed in writing to the Mortgagor
        in accordance with applicable state and federal law and regulation. This
        representation and warranty is a Deemed Material Breach
        Representation;

       

      (lll)  Arbitration.
        With
        respect to any Mortgage Loan originated on or after August 1, 2004, neither
        the related Mortgage nor the related Mortgage Note requires the Mortgagor
        to
        submit to arbitration to resolve any dispute arising out of or relating in
        any
        way to the Mortgage Loan transaction. This representation and warranty is
        a
        Deemed Material Breach Representation; 

       

      (mmm)  Option
        ARM.
        With
        respect to each Option ARM Mortgage Loan, (a) the Seller (or a servicer on
        its
        behalf) either did not provide different payment options after a “teaser period”
or, if different payment options were provided, applied each payment received
        under the Option ARM Mortgage Loan correctly in accordance with Accepted
        Servicing Practices, (b) unless otherwise set forth on the Mortgage Loan
        Schedule, the Option ARM Mortgage Loan has no negative amortization as of
        the
        Closing Date and (c) such Option ARM Mortgage Loans were serviced in accordance
        with Accepted Servicing Practices and all payment histories are set forth
        on the
        Mortgage Loan Schedule that would be required to service the Option ARM Mortgage
        Loans after the Closing Date in accordance with Accepted Servicing Practices;
        and

       

      (nnn)  Second
        Lien Mortgage Loans.
        With
        respect to each Second Lien Mortgage Loan: 

       

      (i)  No
        Negative Amortization of Related First Lien Loan.
        With
        respect to second liens originated by Originator under an 80/20 program,
        the
        related first lien loan does not permit negative amortization (excluding
        Option
        ARM Mortgage Loans);

       

      (ii)  No
        Default Under First Lien.
        To the
        best of Seller’s knowledge, the related first lien loan is in full force and
        effect, and there is no default lien, breach, violation or event which would
        permit acceleration existing under such first lien mortgage or mortgage note,
        and no event which, with the passage of time or with notice and the expiration
        of any grace or cure period, would constitute a default, breach, violation
        or
        event which would permit acceleration under such first lien loan; 

       

      (iii)  Right
        to Cure First Lien.
        To the
        best of Seller’s knowledge, the related first lien mortgage does not contain a
        provision which prohibits such mortgagee from curing any default under the
        related first lien mortgage; and

       

      (iv)  Principal
        Residence.
        The
        related Mortgaged Property is the Mortgagor’s principal residence or second
        home. 

       

      This
        representation and warranty is a Deemed Material and Adverse
        Representation.

       

      Subsection
        9.03  Remedies
        for Breach of Representations and Warranties.

       

      It
        is
        understood and agreed that the representations and warranties set forth in
        Subsections 9.01
        and
9.02
        shall
        survive the sale of the Mortgage Loans to the Purchaser and shall inure to
        the
        benefit of the Purchaser, its successors and assigns and the Successor Servicer,
        notwithstanding any restrictive or qualified endorsement on any Mortgage
        Note or
        Assignment of Mortgage or the examination or failure to examine any Mortgage
        File. Upon discovery by either the Seller or the Purchaser of a breach of
        any of
        the foregoing representations and warranties, the party discovering such
        breach
        shall give prompt written notice to the other.

       

      Within
        sixty (60) days of the earlier of either discovery by or notice to the Seller
        of
        any breach of a representation or warranty which materially and adversely
        affects the value of the Mortgage Loans or the interest of the Purchaser
        therein
        (or which materially and adversely affects the value of the applicable Mortgage
        Loan or the interest of the Purchaser therein in the case of a representation
        and warranty relating to a particular Mortgage Loan), the Seller shall use
        its
        best efforts promptly to cure such breach in all material respects and, if
        such
        breach cannot be cured, the Seller shall, at the Purchaser’s option, repurchase
        such Mortgage Loan at the Repurchase Price, together with all expenses incurred
        by the Purchaser as a result of such repurchase. Notwithstanding the above
        sentence, (i) within sixty (60) days of the earlier of either discovery by,
        or notice to, the Seller of any breach of the representation or warranty
        set
        forth in clause (aaa) of Subsection 9.02,
        the
        Seller shall repurchase such Mortgage Loan at the Repurchase Price, together
        with all expenses incurred by the Purchaser as a result of such repurchase
        and
        (ii) any breach of a Deemed Material Breach Representation shall
        automatically be deemed to materially and adversely affect the value of the
        Mortgage Loan and the interest of the Purchaser therein. In the event that
        a
        breach shall involve any representation or warranty set forth in Subsection 9.01,
        and
        such breach cannot be cured within sixty (60) days of the earlier of either
        discovery by or notice to the Seller of such breach, all of the Mortgage
        Loans
        shall, at the Purchaser’s option, be repurchased by the Seller at the Repurchase
        Price. However, if the breach shall involve a representation or warranty
        set
        forth in Subsection 9.02
        (other
        than the representations and warranties set forth in clause (aaa) of such
        Subsection or any Deemed Material Breach Representation) and the Seller
        discovers or receives notice of any such breach within one hundred twenty
        (120)
        days of the related Closing Date, the Seller shall, at the Purchaser’s option
        and provided that the Seller has a Qualified Substitute Mortgage Loan, rather
        than repurchase the Mortgage Loan as provided above, remove such Mortgage
        Loan
        (a “Deleted
        Mortgage Loan”)
        and
        substitute in its place a Qualified Substitute Mortgage Loan or Loans, provided
        that any such substitution shall be effected not later than one hundred twenty
        (120) days after the Closing Date. If the Seller has no Qualified Substitute
        Mortgage Loan, it shall repurchase the deficient Mortgage Loan. Any repurchase
        of a Mortgage Loan or Loans pursuant to the foregoing provisions of this
        Subsection 9.03
        shall be
        accomplished by direct remittance of the Repurchase Price to the Purchaser
        or
        its designee in accordance with the Purchaser’s instructions.

       

      At
        the
        time of repurchase or substitution, the Purchaser and the Seller shall arrange
        for the reassignment of the Deleted Mortgage Loan to the Seller and the delivery
        to the Seller of any documents held by the Custodian relating to the Deleted
        Mortgage Loan. In the event of a repurchase or substitution, the Seller shall,
        simultaneously with such reassignment, give written notice to the Purchaser
        that
        such repurchase or substitution has taken place, amend the related Mortgage
        Loan
        Schedule to reflect the withdrawal of the Deleted Mortgage Loan from this
        Agreement, and, in the case of substitution, identify a Qualified Substitute
        Mortgage Loan and amend the related Mortgage Loan Schedule to reflect the
        addition of such Qualified Substitute Mortgage Loan to this Agreement. In
        connection with any such substitution, the Seller shall be deemed to have
        made
        as to such Qualified Substitute Mortgage Loan the representations and warranties
        set forth in this Agreement except that all such representations and warranties
        set forth in this Agreement shall be deemed made as of the date of such
        substitution. The Seller shall effect such substitution by delivering to
        the
        Custodian or to such other party as the Purchaser may designate in writing
        for
        such Qualified Substitute Mortgage Loan the documents required by Subsection 6.03,
        with
        the Mortgage Note endorsed as required by Subsection 6.03.
        No
        substitution will be made in any calendar month after the Determination Date
        for
        such month. The Seller shall cause the Servicer to remit directly to the
        Purchaser, or its designee in accordance with the Purchaser’s instructions the
        Monthly Payment on such Qualified Substitute Mortgage Loan or Loans in the
        month
        following the date of such substitution. Monthly Payments due with respect
        to
        Qualified Substitute Mortgage Loans in the month of substitution shall be
        retained by the Seller. For the month of substitution, distributions to the
        Purchaser shall include the Monthly Payment due on any Deleted Mortgage Loan
        in
        the month of substitution, and the Seller shall thereafter be entitled to
        retain
        all amounts subsequently received by the Seller in respect of such Deleted
        Mortgage Loan.

       

      For
        any
        month in which the Seller substitutes a Qualified Substitute Mortgage Loan
        for a
        Deleted Mortgage Loan, the Seller shall determine the amount (if any) by
        which
        the aggregate principal balance of all Qualified Substitute Mortgage Loans
        as of
        the date of substitution is less than the aggregate Stated Principal Balance
        of
        all Deleted Mortgage Loans (after application of scheduled principal payments
        due in the month of substitution). The amount of such shortfall shall be
        distributed by the Seller directly to the Purchaser or its designee in
        accordance with the Purchaser’s instructions within two (2) Business Days
        of such substitution.

       

      In
        addition to such repurchase or substitution obligation, the Seller shall
        indemnify the Purchaser, its successors and assigns and the Successor Servicer
        and hold them harmless against any losses, damages, penalties, fines,
        forfeitures, reasonable and necessary legal fees and related costs, judgments,
        and other costs and expenses resulting from any claim, demand, defense or
        assertion based on or grounded upon, or resulting from, a breach of the Seller
        representations and warranties contained in this Agreement or any Reconstitution
        Agreement. It is understood and agreed that the obligations of the Seller
        set
        forth in this Subsection 9.03
        to cure,
        substitute for or repurchase a defective Mortgage Loan and to indemnify the
        Purchaser, its successors and assigns and the Successor Servicer as provided
        in
        this Subsection 9.03
        constitute the sole remedies respecting a breach of the foregoing
        representations and warranties.

       

      Any
        cause
        of action against the Seller relating to or arising out of the breach of
        any
        representations and warranties made in Subsections
        9.01
        and
9.02
        shall
        accrue as to any Mortgage Loan upon (i) discovery of such breach by the
        Purchaser or notice thereof by the Seller to the Purchaser, (ii) failure by
        the Seller to cure such breach or repurchase such Mortgage Loan as specified
        above, and (iii) demand upon the Seller by the Purchaser for compliance
        with this Agreement.

       

      Subsection
        9.04  Repurchase
        of Mortgage Loans With First Payment Defaults.

       

      If
        the
        related Mortgagor fails to make the first Monthly Payment due after the related
        Closing Date on or prior to the forty-fifth day following the related Due
        Date
        (a “First
        Payment Default”),
        the
        Seller, at the Purchaser’s option, shall repurchase such Mortgage Loan from the
        Purchaser at the Repurchase Price within ten Business Days; provided, that
        Seller shall not be required to repurchase any Mortgage Loan for which Purchaser
        does not notify the Seller of the First Payment Default within 90 days of
        the
        date of such First Payment Default.

       

      SECTION
        10.  Closing.

       

      Each
        closing for the purchase and sale of the Mortgage Loans shall take place
        on the
        related Closing Date. At the Purchaser’s option, each closing shall be either:
        by telephone, confirmed by letter or wire as the parties shall agree, or
        conducted in person, at such place as the parties shall agree.

       

      The
        closing for the Mortgage Loans to be purchased on each Closing Date shall
        be
        subject to each of the following conditions:

       

      
        	(i)  	
                prior
                  to the related Closing Date, the Seller shall deliver to the Purchaser
                  via
                  electronic medium acceptable to the Purchaser, a listing on a loan-level
                  basis of the necessary information to compute the Purchase Price
                  of the
                  Mortgage Loans delivered on the related Closing Date (including
                  accrued
                  interest), and prepare a Mortgage Loan
                  Schedule;

              

      

       

      
        	(ii)  	
                all
                  of the representations and warranties of the Seller under this
                  Agreement
                  shall be true and correct as of the related Closing Date and no
                  event
                  shall have occurred which, with notice or the passage of time,
                  would
                  constitute a default under this
                  Agreement;

              

      

       

      
        	(iii)  	
                the
                  Purchaser shall have received, or the Purchaser’s attorneys shall have
                  received in escrow, all closing documents as specified in Section 10
                  of
                  this Agreement, in such forms as are agreed upon and acceptable
                  to the
                  Purchaser, duly executed by all signatories other than the Purchaser
                  as
                  required pursuant to the terms
                  hereof;

              

      

       

      
        	(iv)  	
                the
                  Seller shall have delivered and released to the Custodian all documents
                  required pursuant to the Custodial Agreement;
                  and

              

      

       

      
        	(v)  	
                all
                  other terms and conditions of this Agreement and the related Purchase
                  Price and Terms Agreement shall have been complied
                  with.

              

      

       

      Subject
        to the foregoing conditions, the Purchaser shall pay to the Seller on the
        related Closing Date the Purchase Price, plus accrued interest pursuant to
        Section 4
        of this
        Agreement, by wire transfer of immediately available funds to the account
        designated by the Seller.

       

      SECTION
        11.  Closing
        Documents.

       

      The
        Closing Documents for the Mortgage Loans to be purchased on the initial Closing
        Date shall consist of fully executed originals of the following
        documents:

       

      1.  this
        Agreement;

       

      2.  the
        Custodial Agreement, dated as of the related Cut-off Date;

       

      3.  the
        related Mortgage Loan Schedule, one copy to be attached hereto, and one copy
        to
        be attached to the Custodian’s counterpart of the Custodial
        Agreement;

       

      4.  an
        Officer’s Certificate, in the form of Exhibit C
        hereto
        with respect to each Seller, including all attachments thereto;

       

      5.  Opinion
        of Counsel of the Seller (who may be an employee of the Seller), in form
        and
        substance acceptable to the Purchaser (“Opinion
        of Counsel of the Seller”);

       

      6.  an
        Opinion of Counsel of the Custodian (who may be an employee of the Custodian),
        in the form of an exhibit to the Custodial Agreement;

       

      7.  a
        Security Release Certification, in the form of Exhibit E
        or
F,
        as
        applicable, hereto executed by any person, as requested by the Purchaser,
        if any
        of the Mortgage Loans have at any time been subject to any security interest,
        pledge or hypothecation for the benefit of such person;

       

      8.  a
        certificate or other evidence of merger or change of name, signed or stamped
        by
        the applicable regulatory authority, if any of the Mortgage Loans were acquired
        by the related Seller by merger or acquired or originated by the Seller while
        conducting business under a name other than its present name, if applicable;
        and

       

      9.  a
        MERS
        Report reflecting the Custodian as Investor and no Person as Interim Funder
        for
        each MERS Designated Mortgage Loan.

       

        The
        Closing Documents to be delivered on each Closing Date shall consist of fully
        executed originals of the following documents:

       

      1.  an
        Assignment and Conveyance in the form of Exhibit
        I
        hereto,
        including all exhibits;

       

      2.  the
        related Mortgage Loan Schedule, with one copy to be attached to the related
        Assignment and Conveyance;

       

      3.  each
        of
        the documents required to be delivered by the Seller pursuant to Subsection 6.03
        hereof;

       

      4.  the
        initial certification of the Custodian with respect to the related Mortgage
        Loan
        Package as required under the Custodial Agreement in the form of Exhibit
        2
        thereto;

       

      5.  a
        Security Release Certification, substantially in the form of Exhibit
        E
        or
F,
        hereto
        executed by any person, as requested by the Purchaser, if any of the Mortgage
        Loans have at any time been subject to any security interest, pledge or
        hypothecation for the benefit of such person;

       

      6.  a
        certificate or other evidence of merger or change of name, signed or stamped
        by
        the applicable regulatory authority, if any of the Mortgage Loans were acquired
        by the Seller by merger or acquired or originated by the Seller while conducting
        business under a name other than its present name, if applicable;
        and

       

      7.  if
        requested, by the Purchaser in connection with a material change in Seller’s
        financial condition or corporate structure, an updated Officer’s Certificate, in
        the form of Exhibit
        C
        hereto,
        including all attachments thereto and an updated Opinion of Counsel of the
        Seller, in the form of Exhibit
        D
        hereto.

       

      The
        Seller shall bear the risk of loss of the closing documents until such time
        as
        they are received by the Purchaser or its attorneys.

       

      SECTION
        12.  Costs.

       

      The
        Purchaser shall pay its due diligence fees and the fees and expenses of its
        counsel. The Purchaser shall pay its costs, fees and expenses (including
        its
        legal fees) that relate to its ownership of the Mortgage Loans, including
        without limitation the costs, fees and expenses incurred to file and record
        assignments of mortgage for the Mortgage Loans (except as otherwise provided
        herein). The Seller shall pay its costs, fees and expenses (including its
        legal
        fees) that relate to its ownership of the Mortgage Loans, including without
        limitation all servicing fees incurred prior to the related Closing Date,
        and
        that relate to the preparation and delivery to the Purchaser (but not the
        filing
        or recording) of assignments in blank of mortgages for the Mortgage Loans
        and
        endorsements in blank of the notes for the Mortgage Loans. None of the Mortgage
        Loans have record ownership on the MERS system and the Seller shall not have
        any
        obligation, responsibility or liability to effectuate record ownership of
        the
        Mortgage Loans on the MERS system.

       

      SECTION
        13.  Cooperation
        of Seller with a Reconstitution.

       

      The
        Seller and the Purchaser agree that with respect to some or all of the Mortgage
        Loans, after the related Closing Date, on one or more dates (each a
“Reconstitution
        Date”)
        at the
        Purchaser’s sole option, the Purchaser may effect a sale (each, a “Reconstitution”)
        of
        some or all of the Mortgage Loans then subject to this Agreement, without
        recourse, to:

       

      
        	(i)  	
                Fannie
                  Mae under its Cash Purchase Program or MBS Program (Special Servicing
                  Option) (each a “Fannie
                  Mae Transfer”);
                  or

              

      

       

      
        	(ii)  	
                Freddie
                  Mac (the “Freddie
                  Mac Transfer”);
                  or

              

      

       

      
        	(iii)  	
                one
                  or more third party purchasers in one or more Whole Loan Transfers;
                  or

              

      

       

      
        	(iv)  	
                one
                  or more trusts or other entities to be formed as part of one or
                  more
                  Securitization Transaction;

              

      

       

      provided
        that, with respect to the Mortgage Loans in each Mortgage Loan Package, the
        Seller shall only be required to cooperate with the Purchaser pursuant to
        this
        section, (a) with respect to no more than three Transactions and
        (b) subject to the preceding clause (a), with respect to Transactions
        occurring on or prior to the date which is one year from the Closing
        Date.

       

      The
        Seller agrees to execute in connection with any Agency Transfer, any and
        all
        pool purchase contracts, and/or agreements reasonably acceptable to the Seller
        among the Purchaser, the Seller, Fannie Mae or Freddie Mac (as the case may
        be)
        and any servicer in connection with a Whole Loan Transfer, a seller’s warranties
        and servicing agreement or a participation and servicing agreement in form
        and
        substance reasonably acceptable to the Seller, and in connection with a
        Securitization Transaction, a pooling and servicing agreement in form and
        substance reasonably acceptable to the Seller (collectively the agreements
        referred to herein are designated, the “Reconstitution
        Agreements”);
        provided that there shall be no more than four transferees of the Purchaser
        at
        any one time.

       

      With
        respect to each Whole Loan Transfer and each Securitization Transaction entered
        into by the Purchaser, the Seller agrees (1) to cooperate fully with the
        Purchaser and any prospective purchaser with respect to all reasonable requests
        and due diligence procedures; (2) to execute, deliver and perform all
        Reconstitution Agreements required by the Purchaser; (3) (a) to
        restate the representations and warranties set forth in this Agreement as
        of the
        related Reconstitution Date; provided, that with respect to the representations
        and warranties set forth in Section 9.02(b)
        and
9.02(q),
        the
        Seller shall only restate such representations and warranties as of the related
        Closing Date, and, provided further, that with respect to the representation
        and
        warranty set forth in Section 9.02(hh),
        the
        Seller’s restatement of such representation and warranty as of the
        Reconstitution Date shall be qualified “to the best of the Seller’s knowledge”,
        or (b) make the representations and warranties set forth in the related
        selling/servicing guide of the master servicer or issuer, as the case may
        be, or
        such representations and warranties as may be required by any Rating Agency
        or
        prospective purchaser of the related securities or such Mortgage Loans, in
        connection with such Reconstitution and (4) if a Reconstitution occurs
        during the related Interim Period, the Seller agrees to enter into a
        sub-servicing agreement with the Purchaser and the related Successor Servicer
        mutually acceptable to the parties and service and report on the Mortgage
        Loans
        on a scheduled-scheduled basis. Any such sub-servicing agreement shall provide
        that, for so long as any of the Mortgage Loans are being serviced by the
        Company
        as part of a securitization transaction and a certificate with respect to
        such
        servicing is required to be furnished by Purchaser or an agent of Purchaser
        (such as a master servicer or depositor) under the Sarbanes-Oxley Act of
        2002,
        as amended, and any rules and regulations promulgated thereunder, an officer
        of
        the Company, on or before March 1st of each year, shall execute and deliver
        the certification in the form of attached to the Interim Servicing Agreement
        as
Exhibit
        7
        to such
        master servicer or the depositor for the benefit of such master servicer
        or
        depositor and its officers, directors and affiliates. Should the requirements
        for such a certificate of Purchaser under the Sarbanes-Oxley Act of 2002
        be
        revised by act of the U.S. Congress, regulation of the Commission or a published
        Commission staff statement, the requirements of the Company under this
Section 13
        shall be
        modified accordingly. The Seller shall use its reasonable best efforts to
        provide to the master servicer or issuer, as the case may be, and any other
        participants in such Reconstitution: (i) any and all information and
        appropriate verification of information which may be reasonably available
        to the
        Seller or its affiliates, whether through letters of its auditors and counsel
        or
        otherwise, as the Purchaser or any such other participant shall request;
        (ii) such additional representations, warranties, covenants, opinions of
        counsel, letters from auditors, and certificates of public officials or officers
        of the Seller or the Servicer as are reasonably believed necessary by the
        Purchaser or any such other participant; and (iii) and to execute, deliver
        and satisfy all conditions set forth in an indemnity agreement substantially
        in
        the form of Exhibit
        N
        hereto.
        The Seller shall indemnify the Purchaser, each Affiliate designated by the
        Purchaser, each Person who controls the Purchaser or such Affiliate and the
        Successor Servicer and hold each of them harmless from and against any losses,
        damages, penalties, fines, forfeitures, reasonable and necessary legal fees
        and
        related costs, judgments, and any other costs, fees and expenses that each
        of
        them may sustain in any way related to any information provided by or on
        behalf
        of the Seller or the Servicer regarding the Seller, the Servicer, the Seller’s
        and Servicer’s servicing practices or performance, the Mortgage Loans or the
        Underwriting Guidelines set forth in any offering document prepared in
        connection with any Reconstitution. For purposes of the previous sentence,
        “Purchaser” shall mean the Person then acting as the Purchaser under this
        Agreement and any and all Persons who previously were “Purchasers” under this
        Agreement and “Successor Servicer” shall mean the Person then acting as the
        Successor Servicer under this Agreement and any and all Persons who previously
        were “Successor Servicers” under this Agreement. Moreover, the Seller agrees to
        cooperate with all reasonable requests made by the Purchaser to effect such
        Reconstitution Agreements.

       

      In
        the
        event the Purchaser has elected to have the Seller or the Servicer hold record
        title to the Mortgages, prior to the Reconstitution Date, the Seller shall
        prepare an assignment of mortgage in blank or to the prospective purchaser
        or
        trustee, as applicable, from the Seller or the Servicer, as applicable,
        acceptable to the prospective purchaser or trustee, as applicable, for each
        Mortgage Loan that is part of the Reconstitution and shall pay all preparation
        and recording costs associated therewith. In connection with the Reconstitution,
        the Seller shall execute or shall cause the Servicer to execute each assignment
        of mortgage, track such Assignments of Mortgage to ensure they have been
        recorded and deliver them as required by the prospective purchaser or trustee,
        as applicable, upon the Seller’s receipt thereof. Additionally, the Seller shall
        prepare and execute or shall cause the Servicer to execute, at the direction
        of
        the Purchaser, any note endorsement in connection with any and all
        seller/servicer agreements.

       

      All
        Mortgage Loans not sold or transferred pursuant to a Reconstitution shall
        remain
        subject to this Agreement and with respect thereto this Agreement shall remain
        in full force and effect.

       

      SECTION
        14.  The
        Seller.

       

      Subsection
        14.01  Additional
        Indemnification by the Seller; Third Party Claims.

       

      The
        Seller shall indemnify the Purchaser and the Successor Servicer and hold
        them
        harmless against any and all claims, losses, damages, penalties, fines,
        forfeitures, legal fees (including (without limitation) legal fees incurred
        in
        connection with the enforcement of the Seller’s indemnification obligation under
        this Subsection 14.01)
        and
        related costs, judgments, and any other costs, fees and expenses that the
        Purchaser or the Successor Servicer may sustain in any way related to the
        failure of the Seller to perform its duties under this Agreement and the
        Servicer to service the Mortgage Loans in strict compliance with the terms
        of
        this Agreement or any Reconstitution Agreement entered into pursuant to
Section 13.
        The
        Seller immediately shall notify the Purchaser if a claim is made by a third
        party with respect to this Agreement or any Reconstitution Agreement or the
        Mortgage Loans, assume (with the prior written consent of the Purchaser)
        the
        defense of any such claim and pay all expenses in connection therewith,
        including counsel fees, and promptly pay, discharge and satisfy any judgment
        or
        decree which may be entered against it or the Purchaser in respect of such
        claim. The Purchaser promptly shall reimburse the Seller for all amounts
        advanced by it pursuant to the preceding sentence, except when the claim
        is in
        any way related to the Seller’s indemnification pursuant to Section 9, or
        is in any way related to the failure of the Servicer or the Seller to service
        and administer the Mortgage Loans in strict compliance with the terms of
        this
        Agreement or any Reconstitution Agreement.

       

      Subsection
        14.02  Merger
        or Consolidation of the Seller.

       

      The
        Seller will keep in full effect its existence, rights and franchises as a
        corporation under the laws of the state of its formation except as permitted
        herein, and will obtain and preserve its qualification to do business as
        a
        foreign corporation in each jurisdiction in which such qualification is or
        shall
        be necessary to protect the validity and enforceability of this Agreement,
        or
        any of the Mortgage Loans and to perform its duties under this
        Agreement.

       

      Any
        Person into which the Seller may be merged or consolidated, or any entity
        resulting from any merger, conversion or consolidation to which the Seller
        shall
        be a party, or any Person succeeding to the business of the Seller, shall
        be the
        successor of the Seller hereunder, without the execution or filing of any
        paper
        or any further act on the part of any of the parties hereto, anything herein
        to
        the contrary notwithstanding; provided, however, that the successor or surviving
        Person shall have a net worth of at least $25,000,000.

       

      SECTION
        15.  Financial
        Statements.

       

      The
        Seller understands that in connection with the Purchaser’s marketing of the
        Mortgage Loans, the Purchaser shall make available to prospective purchasers
        audited financial statements of the Seller for the most recently completed
        three
        fiscal years respecting which such statements are available, as well as a
        Consolidated Statement of Condition of the Seller at the end of the last
        two
        fiscal years covered by such Consolidated Statement of Operations. The Seller
        shall also make available any comparable interim statements to the extent
        any
        such statements have been prepared by the Seller (and are available upon
        request
        to members or stockholders of the Seller or the public at large). The Seller,
        if
        it has not already done so, agrees to furnish promptly to the Purchaser copies
        of the statements specified above. The Seller shall also make available
        information on its servicing performance with respect to loans serviced for
        others, including delinquency ratios.

       

      The
        Seller also agrees to allow reasonable access to a knowledgeable financial
        or
        accounting officer for the purpose of answering questions asked by any
        prospective purchaser regarding recent developments affecting the Seller
        or the
        financial statements of the Seller.

       

      SECTION
        16.  Mandatory
        Delivery; Grant of Security Interest.

       

      The
        sale
        and delivery on the related Closing Date of the Mortgage Loans is mandatory
        from
        and after the date of the execution of the related Purchase Price and Terms
        Agreement, it being specifically understood and agreed that each Mortgage
        Loan
        is unique and identifiable on the date hereof and that an award of money
        damages
        would be insufficient to compensate the Purchaser for the losses and damages
        incurred by the Purchaser (including damages to prospective purchasers of
        the
        Mortgage Loans) in the event of the Seller’s failure to deliver (i) each of
        the related Mortgage Loans or (ii) one or more Qualified Substitute
        Mortgage Loans or (iii) one or more Mortgage Loans otherwise acceptable to
        the Purchaser on or before the related Closing Date. The Seller hereby grants
        to
        the Purchaser a lien on and a continuing security interest in each Mortgage
        Loan
        and each document and instrument evidencing each such Mortgage Loan to secure
        the performance by the Seller of its obligations under the related Purchase
        Price and Terms Agreement, and the Seller agrees that it shall hold such
        Mortgage Loans in custody for the Purchaser subject to the Purchaser’s
        (i) right to reject any Mortgage Loan (or Qualified Substitute Mortgage
        Loan) under the terms of this Agreement and to require another Mortgage Loan
        (or
        Qualified Substitute Mortgage Loan) to be substituted therefor, and
        (ii) obligation to pay the Purchase Price for the Mortgage Loans. All
        rights and remedies of the Purchaser under this Agreement are distinct from,
        and
        cumulative with, any other rights or remedies under this Agreement or afforded
        by law or equity and all such rights and remedies may be exercised concurrently,
        independently or successively.

       

      SECTION
        17.  Notices.

       

      All
        demands, notices and communications hereunder shall be in writing and shall
        be
        deemed to have been duly given if mailed, by registered or certified mail,
        return receipt requested, or, if by other means, when received by the other
        party at the address as follows:

       

      
        	 	
                (i)

              	
                if
                  to the Seller:

              

      

       

      New
        Century Mortgage Corporation

      18400
        Von
        Karman Avenue, Suite 1000

      Irvine,
        California 92612

      Attention:
        Kevin Cloyd

       

      With
        a
        copy to:

       

      New
        Century Mortgage Corporation

      13100
        NW
        Freeway, Suite 200

      Houston,
        Texas 77040

      Attention:
        Todd Henke

       

      
        	 	
                (ii)

              	
                if
                  to the Purchaser:

              

      

       

      Goldman
        Sachs Mortgage Company

      85
        Broad
        Street 

      New
        York,
        New York 10004

      Attention:
        Christopher Gething

       

      or
        such
        other address as may hereafter be furnished to the other party by like notice.
        Any such demand, notice or communication hereunder shall be deemed to have
        been
        received on the date delivered to or received at the premises of the addressee
        (as evidenced, in the case of registered or certified mail, by the date noted
        on
        the return receipt).

       

      SECTION
        18.  Severability
        Clause.

       

      Any
        part,
        provision representation or warranty of this Agreement which is prohibited
        or
        unenforceable or is held to be void or unenforceable in any jurisdiction
        shall
        be ineffective, as to such jurisdiction, to the extent of such prohibition
        or
        unenforceability without invalidating the remaining provisions hereof, and
        any
        such prohibition or unenforceability in any jurisdiction as to any Mortgage
        Loan
        shall not invalidate or render unenforceable such provision in any other
        jurisdiction. To the extent permitted by applicable law, the parties hereto
        waive any provision of law which prohibits or renders void or unenforceable
        any
        provision hereof. If the invalidity of any part, provision, representation
        or
        warranty of this Agreement shall deprive any party of the economic benefit
        intended to be conferred by this Agreement, the parties shall negotiate,
        in
        good-faith, to develop a structure the economic effect of which is nearly
        as
        possible the same as the economic effect of this Agreement without regard
        to
        such invalidity.

       

      SECTION
        19.  Counterparts.

       

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

       

      SECTION
        20.  Governing
        Law.

       

      This
        Agreement shall be deemed in effect when a fully executed counterpart thereof
        is
        received by the Purchaser in the State of New York and shall be deemed to
        have
        been made in the State of New York. The Agreement shall be construed in
        accordance with the laws of the State of New York and the obligations, rights
        and remedies of the parties hereunder shall be determined in accordance with
        the
        substantive laws of the State of New York (without regard to conflicts of
        laws
        principles), except to the extent preempted by Federal law.

       

      SECTION
        21.  Intention
        of the Parties.

       

      It
        is the
        intention of the parties that the Purchaser is purchasing, and the Seller
        is
        selling the Mortgage Loans and not a debt instrument of the Seller or another
        security. 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 Mortgage Loans. Moreover, the arrangement under which the
        Mortgage Loans are held shall be consistent with classification of such
        arrangement as a grantor trust in the event it is not found to represent
        direct
        ownership of the Mortgage Loans. The Purchaser shall have the right to review
        the Mortgage Loans and the related Mortgage Loan Files to determine the
        characteristics of the Mortgage Loans which shall affect the Federal income
        tax
        consequences of owning the Mortgage Loans and the Seller shall cooperate
        with
        all reasonable requests made by the Purchaser in the course of such
        review.

       

      SECTION
        22.  Successors
        and Assigns; Assignment of Purchase Agreement.

       

      This
        Agreement shall bind and inure to the benefit of and be enforceable by the
        Seller and the Purchaser and the respective permitted successors and assigns
        of
        the Seller and the successors and assigns of the Purchaser. This Agreement
        shall
        not be assigned, pledged or hypothecated by the Seller to a third party without
        the prior written consent of the Purchaser, which consent may be withheld
        by the
        Purchaser in its sole discretion. This Agreement may be assigned, pledged
        or
        hypothecated by the Purchaser in whole or in part, and with respect to one
        or
        more of the Mortgage Loans, without the consent of the Seller. If the Purchaser
        assigns any or all of its rights as Purchaser hereunder, the assignee of
        the
        Purchaser will become the “Purchaser” hereunder to the extent of such
        assignment. Any such assignment by the Purchaser shall be accompanied by
        the
        delivery and execution of an Assignment and Assumption Agreement (the
“Assignment
        and Assumption Agreement”)
        in the
        form attached hereto as Exhibit
        G.

       

      SECTION
        23.  Waivers.

       

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

       

      SECTION
        24.  Exhibits.

       

      The
        exhibits to this Agreement are hereby incorporated and made a part hereof
        and
        are an integral part of this Agreement.

       

      SECTION
        25.  General
        Interpretive Principles.

       

      For
        purposes of this Agreement, except as otherwise expressly provided or unless
        the
        context otherwise requires:

       

      (a)  the
        terms
        defined in this Agreement have the meanings assigned to them in this Agreement
        and include the plural as well as the singular, and the use of any gender
        herein
        shall be deemed to include the other gender;

       

      (b)  accounting
        terms not otherwise defined herein have the meanings assigned to them in
        accordance with generally accepted accounting principles;

       

      (c)  references
        herein to “Articles,” “Sections,” “Subsections,” “Paragraphs,” and other
        subdivisions without reference to a document are to designated Articles,
        Sections, Subsections, Paragraphs and other subdivisions of this
        Agreement;

       

      (d)  reference
        to a Subsection without further reference to a Section is a reference to
        such
        Subsection as contained in the same Section in which the reference appears,
        and
        this rule shall also apply to Paragraphs and other subdivisions;

       

      (e)  the
        words
“herein,” “hereof,” “hereunder” and other words of similar import refer to this
        Agreement as a whole and not to any particular provision; and

       

      (f)  the
        term
“include” or “including” shall mean without limitation by reason of
        enumeration.

       

      SECTION
        26.  Reproduction
        of Documents.

       

      This
        Agreement and all documents relating thereto, including, without limitation,
        (a) consents, waivers and modifications which may hereafter be executed,
        (b) documents received by any party at the closing, and (c) financial
        statements, certificates and other information previously or hereafter
        furnished, may be reproduced by any photographic, photostatic, microfilm,
        micro-card, miniature photographic or other similar process. The parties
        agree
        that any such reproduction shall be admissible in evidence as the original
        itself in any judicial or administrative proceeding, whether or not the original
        is in existence and whether or not such reproduction was made by a party
        in the
        regular course of business, and that any enlargement, facsimile or further
        reproduction of such reproduction shall likewise be admissible in
        evidence.

       

      SECTION
        27.  Further
        Agreements.

       

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

       

      SECTION
        28.  Recordation
        of Assignments of Mortgage.

       

      To
        the
        extent permitted by applicable law, each of the Assignments of Mortgage is
        subject to recordation in all appropriate public offices for real property
        records in all the counties or their comparable jurisdictions in which any
        or
        all of the Mortgaged Properties are situated, and in any other appropriate
        public recording office or elsewhere, such recordation to be effected at
        the
        Seller’s expense in the event recordation is either necessary under applicable
        law or requested by the Purchaser at its sole option.

       

      SECTION
        29.  No
        Solicitation.

       

      From
        and
        after the related Closing Date, the Seller agrees that it will not take any
        action or permit or cause any action to be taken by any of its agents or
        affiliates, or by any independent contractors on the Seller’s behalf, to
        personally, by telephone or mail, solicit the borrower or obligor under any
        Mortgage Loan to refinance a Mortgage Loan, in whole or in part, without
        (i) the prior written consent of the Purchaser; or (ii) written notice
        from the related Mortgagor under a Mortgage Loan of such party’s intention to
        refinance such Mortgage Loan. It is understood and agreed that all rights
        and
        benefits relating to the solicitation of any Mortgagors and the attendant
        rights, title and interest in and to the list of such Mortgagors and data
        relating to their Mortgages (including insurance renewal dates) shall be
        transferred to the Purchaser pursuant hereto on the Closing Date and the
        Seller
        shall take no action to undermine these rights and benefits. Notwithstanding
        the
        foregoing, it is understood and agreed that promotions undertaken by the
        Seller
        or any affiliate of the Seller which are directed to the general public at
        large, including, without limitation, mass mailing, internet and e-mail
        solicitations, based in all instances, on commercially acquired mailing lists
        (which may not be targeted at the Mortgagors) and newspaper, radio and
        television advertisements shall not constitute solicitation under this
Section 29.

       

      SECTION
        30.  Waiver
        of Trial by Jury.

       

      THE
        SELLER AND THE PURCHASER EACH KNOWINGLY, VOLUNTARILY AND INTENTIONALLY WAIVES
        TO
        THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW ANY RIGHT IT MAY HAVE TO A
        TRIAL
        BY JURY OF ANY DISPUTE ARISING UNDER OR RELATING TO THIS AGREEMENT OR THE
        TRANSACTIONS CONTEMPLATED HEREBY.

       

      SECTION
        31.  Submission
        To Jurisdiction; Waivers.

       

      The
        Seller hereby irrevocably and unconditionally:

       

      (A)  SUBMITS
        FOR ITSELF AND ITS PROPERTY IN ANY LEGAL ACTION OR PROCEEDING RELATING TO
        THIS
        AGREEMENT, OR FOR RECOGNITION AND ENFORCEMENT OF ANY JUDGMENT IN RESPECT
        THEREOF, TO THE NON-EXCLUSIVE GENERAL JURISDICTION OF THE COURTS OF THE STATE
        OF
        NEW YORK, THE FEDERAL COURTS OF THE UNITED STATES OF AMERICA FOR THE SOUTHERN
        DISTRICT OF NEW YORK, AND APPELLATE COURTS FROM ANY THEREOF;

       

      (B)  CONSENTS
        THAT ANY SUCH ACTION OR PROCEEDING MAY BE BROUGHT IN SUCH COURTS AND, TO
        THE
        EXTENT PERMITTED BY LAW, WAIVES ANY OBJECTION THAT IT MAY NOW OR HEREAFTER
        HAVE
        TO THE VENUE OF ANY SUCH ACTION OR PROCEEDING IN ANY SUCH COURT OR THAT SUCH
        ACTION OR PROCEEDING WAS BROUGHT IN AN INCONVENIENT COURT AND AGREES NOT
        TO
        PLEAD OR CLAIM THE SAME;

       

      (C)  AGREES
        THAT SERVICE OF PROCESS IN ANY SUCH ACTION OR PROCEEDING MAY BE EFFECTED
        BY
        MAILING A COPY THEREOF BY REGISTERED OR CERTIFIED MAIL (OR ANY SUBSTANTIALLY
        SIMILAR FORM OF MAIL), POSTAGE PREPAID, TO ITS ADDRESS SET FORTH HEREIN OR
        AT
        SUCH OTHER ADDRESS OF WHICH THE PURCHASER SHALL HAVE BEEN NOTIFIED;
        AND

       

      (D)  AGREES
        THAT NOTHING HEREIN SHALL AFFECT THE RIGHT TO EFFECT SERVICE OF PROCESS IN
        ANY
        OTHER MANNER PERMITTED BY LAW OR SHALL LIMIT THE RIGHT TO SUE IN ANY OTHER
        JURISDICTION.

       

      SECTION
        32.  Confidential
        Information.

       

      The
        Seller understands and agrees that this Agreement, the Side Letter, the related
        Purchase Price and Terms Letter, the Interim Servicing Agreement, and any
        other
        agreements executed in connection with the sales contemplated hereunder,
        any
        agreements executed in connection with the securitization of the Mortgage
        Loans,
        and any offering circulars or other disclosure documents produced in connection
        with such securitization (the “Agreements”)
        are
        confidential and proprietary to the Purchaser, and the Seller agrees to hold
        the
        terms of the Agreements confidential and not to divulge such documents to
        anyone
        except (a) to the extent required by law or judicial order or to enforce
        its rights or remedies under the related Purchase Price and Terms Agreements
        or
        the other Agreements, (b) to the extent such information enters into the
        public domain other than through the wrongful act of the Seller, or (c) as
        is necessary in working with legal counsel, auditors, agents, rating agencies,
        taxing authorities or other governmental agencies. Moreover, the Seller
        understands and agrees that this Agreement, any other agreements executed
        in
        connection with the sale contemplated hereunder, any agreements executed
        in
        connection with the securitization of the Mortgage Loans, and any offering
        circulars or other disclosure documents produced in connection with such
        securitization are confidential and proprietary to the Purchaser, and the
        Seller
        agrees to hold such documents confidential and not to divulge such documents
        to
        anyone except (a) to the extent required by law or judicial order or to
        enforce its rights or remedies under this letter agreement or the Agreements,
        (b) to the extent such information enters into the public domain other than
        through the wrongful act of the Seller, or (c) as is necessary in working
        with legal counsel, auditors, agents, rating agencies, taxing authorities
        or
        other governmental agencies. The rights and obligations set forth in this
        paragraph shall survive the Closing Date and shall not merge into the closing
        documents but shall be independently enforceable by the parties
        hereto.

       

      SECTION
        33.  Compliance
        with Regulation AB.

       

      Subsection
        33.01  Intent
        of the Parties; Reasonableness.

       

      The
        Purchaser and the Seller acknowledge and agree that the purpose of Section 30
        of this
        Agreement is to facilitate compliance by the Purchaser and any Depositor
        with
        the provisions of Regulation AB and related rules and regulations of the
        Commission. Although Regulation AB is applicable by its terms only to offerings
        of asset-backed securities that are registered under the Securities Act,
        the
        Company acknowledges that investors in privately offered securities may require
        that the Purchaser or any Depositor provide comparable disclosure in
        unregistered offerings. References in this Agreement to compliance with
        Regulation AB include provision of comparable disclosure in private offerings.
        

       

      Neither
        the Purchaser nor any Depositor shall exercise its right to request delivery
        of
        information or other performance under these provisions other than in good
        faith, or for purposes other than compliance with the Securities Act, the
        Exchange Act and the rules and regulations of the Commission thereunder (or
        the
        provision in a private offering of disclosure comparable to that required
        under
        the Securities Act). The Seller acknowledges that interpretations of the
        requirements of Regulation AB may change over time, whether due to interpretive
        guidance provided by the Commission or its staff, consensus among participants
        in the asset-backed securities markets, advice of counsel, or otherwise,
        and
        agrees to comply with requests made by the Purchaser or any Depositor in
        good
        faith for delivery of information under these provisions on the basis of
        evolving interpretations of Regulation AB. In connection with any Securitization
        Transaction, the Seller shall cooperate fully with the Purchaser to deliver
        to
        the Purchaser (including any of its assignees or designees) and any Depositor,
        any and all statements, reports, certifications, records and any other
        information necessary in the good faith determination of the Purchaser or
        any
        Depositor to permit the Purchaser or such Depositor to comply with the
        provisions of Regulation AB, together with such disclosures relating to the
        Seller, any Third-Party Originator and the Mortgage Loans, or the servicing
        of
        the Mortgage Loans, reasonably believed by the Purchaser or any Depositor
        to be
        necessary in order to effect such compliance.

       

      The
        Purchaser (including any of its assignees or designees) shall cooperate with
        the
        Seller by providing timely notice of requests for information under these
        provisions and by reasonably limiting such requests to information required,
        in
        the Purchaser’s reasonable judgment, to comply with Regulation AB.

       

      Subsection
        33.02  Additional
        Representations and Warranties of the Seller.

       

      (a)  The
        Seller shall be deemed to represent to the Purchaser and to any Depositor,
        as of
        the date on which information is first provided to the Purchaser or any
        Depositor under Subsection 33.03
        that,
        except as disclosed in writing to the Purchaser or such Depositor prior to
        such
        date: (i) the Seller is not aware and has not received notice that any
        default, early amortization or other performance triggering event has occurred
        as to any other securitization due to any act or failure to act of the Seller;
        (ii) the Interim Servicer has not been terminated as servicer in a
        residential mortgage loan securitization, either due to a servicing default
        or
        to application of a servicing performance test or trigger; (iii) no
        material noncompliance with the applicable servicing criteria with respect
        to
        other securitizations of residential mortgage loans involving the Interim
        Servicer as servicer has been disclosed or reported by the Seller; (iv) no
        material changes to the Interim Servicer’s policies or procedures with respect
        to the servicing function it will perform under the Interim Servicing Agreement
        and any Reconstitution Agreement for mortgage loans of a type similar to
        the
        Mortgage Loans have occurred during the three-year period immediately preceding
        the related Securitization Transaction; (v) there are no aspects of the
        Interim Servicer’s financial condition that could have a material adverse effect
        on the performance by the Interim Servicer of its servicing obligations under
        the Interim Servicing Agreement or any Reconstitution Agreement; (vi) there
        are no material legal or governmental proceedings pending (or known to be
        contemplated) against the Seller, Interim Servicer, any Subservicer or any
        Third-Party Originator; and (vii) there are no affiliations, relationships
        or transactions relating to the Seller, Interim Servicer, any Subservicer
        or any
        Third-Party Originator with respect to any Securitization Transaction and
        any
        party thereto identified by the related Depositor of a type described in
        Item
        1119 of Regulation AB.

       

      (b)  If
        so
        requested by the Purchaser or any Depositor on any date following the date
        on
        which information is first provided to the Purchaser or any Depositor under
        Subsection 33.03,
        the
        Seller shall, within five Business Days following such request, confirm in
        writing the accuracy of the representations and warranties set forth in
        paragraph (a) of this Section or, if any such representation and warranty
        is not accurate as of the date of such request, provide reasonably adequate
        disclosure of the pertinent facts, in writing, to the requesting
        party.

       

      Subsection
        33.03  Information
        to Be Provided by the Seller.

       

      In
        connection with any Securitization Transaction in which Mortgage Loans purchased
        from the Seller or any Affiliate of the Seller comprise 20% or more of the
        aggregate outstanding cut-off balance of the mortgage loans in such
        Securitization Transaction the Seller shall (i) within five Business Days
        following request by the Purchaser or any Depositor, provide to the Purchaser
        and such Depositor (or, as applicable, cause each Third-Party Originator
        to
        provide), in writing and in form and substance reasonably satisfactory to
        the
        Purchaser and such Depositor, the information and materials specified in
        paragraphs (a) and (b) of this Section, and (ii) as promptly as practicable
        following notice to or discovery by the Seller, provide to the Purchaser
        and any
        Depositor (in writing and in form and substance reasonably satisfactory to
        the
        Purchaser and such Depositor) the information specified in paragraph (d)
        of this
        Section.

       

      (a)  If
        so
        requested by the Purchaser or any Depositor, the Seller shall provide such
        information regarding (i) the Seller, as originator of the Mortgage Loans
        (including as an acquirer of Mortgage Loans from a Qualified Correspondent),
        or
        (ii) each Third-Party Originator, as is requested for the purpose of
        compliance with Items 1103(a)(1), 1105, 1110, 1117 and 1119 of Regulation
        AB.
        Such information shall include, at a minimum:

       

      (A)  the
        originator’s form of organization;

       

      (B)  a
        description of the originator’s origination program and how long the originator
        has been engaged in originating residential mortgage loans, which description
        shall include a discussion of the originator’s experience in originating
        mortgage loans of a similar type as the Mortgage Loans; information regarding
        the size and composition of the originator’s origination portfolio; and
        information that may be material, in the good faith judgment of the Purchaser
        or
        any Depositor, to an analysis of the performance of the Mortgage Loans,
        including the originators’ credit-granting or underwriting criteria for mortgage
        loans of similar type(s) as the Mortgage Loans and such other information
        as the
        Purchaser or any Depositor may reasonably request for the purpose of compliance
        with Item 1110(b)(2) of Regulation AB;

       

      (C)  a
        description of any material legal or governmental proceedings pending (or
        known
        to be contemplated) against the Seller and each Third-Party Originator;
        and

       

      (D)  a
        description of any affiliation or relationship between the Seller, each
        Third-Party Originator and any of the following parties to a Securitization
        Transaction, as such parties are identified to the Seller by the Purchaser
        or
        any Depositor in writing in advance of such Securitization
        Transaction:

       

      
        	(1)  	
                the
                  sponsor;

                 

              

      

      
        	(2)  	
                the
                  depositor;

                 

              

      

      
        	(3)  	
                the
                  issuing entity;

                 

              

      

      
        	(4)  	
                any
                  servicer;

                 

              

      

      
        	(5)  	
                any
                  trustee;

                 

              

      

      
        	(6)  	
                any
                  originator;

                 

              

      

      
        	(7)  	
                any
                  significant obligor;

                 

              

      

      
        	(8)  	
                any
                  enhancement or support provider; and

                 

              

      

      
        	(9)  	
                any
                  other material transaction party.

              

      

       

      (b)  If
        so
        requested by the Purchaser or any Depositor, the Seller shall provide (or,
        as
        applicable, cause each Third-Party Originator to provide) Static Pool
        Information with respect to the mortgage loans (of a similar type as the
        Mortgage Loans, as reasonably identified by the Purchaser as provided below)
        originated by (i) the Seller, if the Seller is an originator of Mortgage
        Loans (including as an acquirer of Mortgage Loans from a Qualified
        Correspondent), and/or (ii) each Third-Party Originator. Such Static Pool
        Information shall be prepared by the Seller (or Third-Party Originator) on
        the
        basis of its reasonable, good faith interpretation of the requirements of
        Item
        1105(a)(1)-(3) of Regulation AB. To the extent that there is reasonably
        available to the Seller (or Third-Party Originator) Static Pool Information
        with
        respect to more than one mortgage loan type, the Purchaser or any Depositor
        shall be entitled to specify whether some or all of such information shall
        be
        provided pursuant to this paragraph. The content of such Static Pool Information
        may be in the form customarily provided by the Seller, and need not be
        customized for the Purchaser or any Depositor. Such Static Pool Information
        for
        each vintage origination year or prior securitized pool, as applicable, shall
        be
        presented in increments no less frequently than quarterly over the life of
        the
        mortgage loans included in the vintage origination year or prior securitized
        pool. The most recent periodic increment must be as of a date no later than
        one
        hundred thirty-five (135) days prior to the date of the prospectus or other
        offering document in which the Static Pool Information is to be included
        or
        incorporated by reference. The Static Pool Information shall be provided
        in an
        electronic format that provides a permanent record of the information provided,
        such as a portable document format (pdf) file, or other such electronic format
        reasonably required by the Purchaser or the Depositor, as
        applicable.

       

      Promptly
        following notice or discovery of a material error in Static Pool Information
        provided pursuant to the immediately preceding paragraph (including an omission
        to include therein information required to be provided pursuant to such
        paragraph), the Seller shall provide corrected Static Pool Information to
        the
        Purchaser or any Depositor, as applicable, in the same format in which Static
        Pool Information was previously provided to such party by the
        Seller.

       

      If
        so
        requested by the Purchaser or any Depositor, the Seller shall provide (or,
        as
        applicable, cause each Third-Party Originator to provide), at the expense
        of the
        requesting party (to the extent of any additional incremental expense associated
        with delivery pursuant to this Agreement), such agreed-upon procedures letters
        of certified public accountants reasonably acceptable to the Purchaser or
        Depositor, as applicable, pertaining to Static Pool Information relating
        to
        prior securitized pools for securitizations closed on or after January 1,
        2006 or, in the case of Static Pool Information with respect to the Seller’s or
        Third-Party Originator’s originations or purchases, to calendar months
        commencing January 1, 2006, as the Purchaser or such Depositor shall
        reasonably request. Such letters shall be addressed to and be for the benefit
        of
        such parties as the Purchaser or such Depositor shall designate, which may
        include, by way of example, any Sponsor, any Depositor and any broker dealer
        acting as underwriter, placement agent or initial purchaser with respect
        to a
        Securitization Transaction. Any such statement or letter may take the form
        of a
        standard, generally applicable document accompanied by a reliance letter
        authorizing reliance by the addressees designated by the Purchaser or such
        Depositor.

       

      (c)  [Reserved]

       

      (d)  If
        so
        requested by the Purchaser or any Depositor for the purpose of satisfying
        its
        reporting obligation under the Exchange Act with respect to any class of
        asset-backed securities, the Seller shall (or shall cause each Third-Party
        Originator to) (i) notify the Purchaser and any Depositor in writing of
        (A) any material litigation or governmental proceedings pending against the
        Seller or any Third-Party Originator and (B) any affiliations or
        relationships that develop following the closing date of a Securitization
        Transaction between the Seller or any Third-Party Originator and any of the
        parties specified in clause (D) of paragraph (a) of this Section (and any
        other
        parties identified in writing by the requesting party) with respect to such
        Securitization Transaction, and (ii) provide to the Purchaser and any
        Depositor a description of such proceedings, affiliations or
        relationships.

       

      Subsection
        33.04  Indemnification;
        Remedies.

       

      The
        Seller shall indemnify the Purchaser, each affiliate of the Purchaser, the
        Depositor and each of the following parties participating in a Securitization
        Transaction: each sponsor and issuing entity; each Person responsible for
        the
        preparation, execution or filing of any report required to be filed with
        the
        Commission with respect to such Securitization Transaction, or for execution
        of
        a certification pursuant to Rule 13a-14(d) or Rule 15d-14(d) under the Exchange
        Act with respect to such Securitization Transaction; each broker dealer acting
        as underwriter, placement agent or initial purchaser, each Person who controls
        any of such parties or the Depositor (within the meaning of Section 15 of
        the Securities Act and Section 20 of the Exchange Act); and the respective
        present and former directors, officers, employees and agents of each of the
        foregoing and of the Depositor, and shall hold each of them harmless from
        and
        against any losses, damages, penalties, fines, forfeitures, legal fees and
        expenses and related costs, judgments, and any other costs, fees and expenses
        that any of them may sustain arising out of or based upon:

       

      (1)  (A) any
        untrue statement of a material fact contained or alleged to be contained
        in any
        information, report, certification, accountants’ letter or other material
        provided in written or electronic form under this Section 33
        by or on
        behalf of the Seller, or provided under this Section 33
        by or on
        behalf of any Third-Party Originator (collectively, the “Seller
        Information”),
        or
        (B) the omission or alleged omission to state in the Seller Information a
        material fact required to be stated in the Seller Information or necessary
        in
        order to make the statements therein, in the light of the circumstances under
        which they were made, not misleading; provided, by way of clarification,
        that
        clause (B) of this paragraph shall be construed solely by reference to the
        Seller Information and not to any other information communicated in connection
        with a sale or purchase of securities, without regard to whether the Seller
        Information or any portion thereof is presented together with or separately
        from
        such other information;

       

      (2)  any
        failure by the Seller or any Third-Party Originator to deliver any information,
        report, certification, accountants’ letter or other material when and as
        required under this Section 33;
        or

       

      (3)  any
        breach by the Seller of a representation or warranty set forth in Subsection 33.02(a)
        or in a
        writing furnished pursuant to Subsection 33.02(b)
        and made
        as of a date prior to the closing date of the related Securitization
        Transaction, to the extent that such breach is not cured by such closing
        date,
        or any breach by the Seller of a representation or warranty in a writing
        furnished pursuant to Subsection 33.02(b)
        to the
        extent made as of a date subsequent to such closing date.

       

      In
        the
        case of any failure of performance described in clause (a)(ii) of this Section,
        the Seller shall promptly reimburse the Purchaser, any Depositor, as applicable,
        and each Person responsible for the preparation, execution or filing of any
        report required to be filed with the Commission with respect to such
        Securitization Transaction, or for execution of a certification pursuant
        to Rule
        13a-14(d) or Rule 15d-14(d) under the Exchange Act with respect to such
        Securitization Transaction, for all costs reasonably incurred by each such
        party
        in order to obtain the information, report, certification, accountants’ letter
        or other material not delivered as required by the Seller or any Third-Party
        Originator.

       

      (b)  (1)Any
        failure by the Seller or any Third-Party Originator to deliver any information,
        report, certification, accountants’ letter or other material when and as
        required under this Section 33,
        or any
        breach by the Seller of a representation or warranty set forth in Subsection 33.02(a)
        or in a
        writing furnished pursuant to Subsection 33.02(b)
        and made
        as of a date prior to the closing date of the related Securitization
        Transaction, to the extent that such breach is not cured by such closing
        date,
        or any breach by the Seller of a representation or warranty in a writing
        furnished pursuant to Subsection 33.02(b)
        to the
        extent made as of a date subsequent to such closing date, shall immediately
        and
        automatically, without notice or grace period, constitute an Event of Default
        with respect to the Seller under this Agreement and any applicable
        Reconstitution Agreement, and shall entitle the Purchaser or Depositor, as
        applicable, in its sole discretion to terminate the rights and obligations
        of
        the Interim Servicer as servicer under the Interim Servicing Agreement and/or
        any applicable Reconstitution Agreement without payment (notwithstanding
        anything in this Agreement or any applicable Reconstitution Agreement to
        the
        contrary) of any compensation to the Interim Servicer; provided that to the
        extent that any provision of this Agreement and/or any applicable Reconstitution
        Agreement expressly provides for the survival of certain rights or obligations
        following termination of the Interim Servicer as servicer, such provision
        shall
        be given effect.

       

      [Signatures
        Commence on Following Page]

       

      

      

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

       

      IN
        WITNESS WHEREOF, the Seller and the Purchaser have caused their names to
        be
        signed by their respective officers thereunto duly authorized, as of
        March 1, 2006, to this Mortgage Loan Purchase and Warranties
        Agreement.

       

      

      
        	 	 	 	 	 	 	 	
                GOLDMAN
                  SACHS MORTGAGE COMPANY,

                a
                  New York limited partnership

                (Purchaser)

              
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
                By:

              	
                GOLDMAN
                  SACHS REAL ESTATE FUNDING CORP.,

                a
                  New York corporation, its General Partner

              
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
                By:

              	 
	 	 	 	 	 	 	 	
                Name:

              	 
	 	 	 	 	 	 	 	
                Title:

              	 

      

       

      

      
        	 	 	 	 	 	 	 	
                NEW
                  CENTURY MORTGAGE CORPORATION

                (Seller)

              
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
                By:

              	 
	 	 	 	 	 	 	 	
                Name:

              	 
	 	 	 	 	 	 	 	
                Title:

              	 

      

      

       

      

      

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

       

      Exhibit
        A

       

      EXHIBIT
        A

       

      CONTENTS
        OF EACH MORTGAGE FILE

       

        With
        respect to each Mortgage Loan, the Mortgage File shall include each of the
        following items, which shall be available for inspection by the Purchaser
        and
        any prospective Purchaser, and which shall be delivered to the Custodian,
        or to
        such other Person as the Purchaser shall designate in writing, pursuant to
        Section 6 of the Mortgage Loan Purchase and Warranties Agreement to which
        this Exhibit is attached (the “Agreement”):

       

      (a)  the
        original Mortgage Note bearing all intervening endorsements, endorsed “Pay to
        the order of _________, without recourse” and signed in the name of the last
        endorsee (the “Last
        Endorsee”)
        by an
        authorized officer. To the extent that there is no room on the face of the
        Mortgage Notes for endorsements, the endorsement may be contained on an allonge,
        if state law so allows and the Custodian is so advised by the Seller that
        state
        law so allows. If the Mortgage Loan was acquired by the Seller in a merger,
        the
        endorsement must be by “[Last Endorsee], successor by merger to [name of
        predecessor].” If the Mortgage Loan was acquired or originated by the Last
        Endorsee while doing business under another name, the endorsement must be
        by
“[Last Endorsee], formerly known as [previous name]”;

       

      (b)  the
        original of any guarantee executed in connection with the Mortgage
        Note;

       

      (c)  the
        original Mortgage with evidence of recording thereon. If in connection with
        any
        Mortgage Loan, the Seller cannot deliver or cause to be delivered the original
        Mortgage with evidence of recording thereon on or prior to the related Closing
        Date because of a delay caused by the public recording office where such
        Mortgage has been delivered for recordation or because such Mortgage has
        been
        lost or because such public recording office retains the original recorded
        Mortgage, the Seller shall deliver or cause to be delivered to the Custodian,
        a
        photocopy of such Mortgage, together with (i) in the case of a delay caused
        by the public recording office, an Officer’s Certificate of the Seller (or
        certified by the title company, escrow agent, or closing attorney) stating
        that
        such Mortgage has been dispatched to the appropriate public recording office
        for
        recordation and that the original recorded Mortgage or a copy of such Mortgage
        certified by such public recording office to be a true and complete copy
        of the
        original recorded Mortgage will be promptly delivered to the Custodian upon
        receipt thereof by the Seller; or (ii) in the case of a Mortgage where a
        public recording office retains the original recorded Mortgage or in the
        case
        where a Mortgage is lost after recordation in a public recording office,
        a copy
        of such Mortgage certified by such public recording office to be a true and
        complete copy of the original recorded Mortgage;

       

      (d)  the
        originals of all assumption, modification, consolidation or extension
        agreements, if any, with evidence of recording thereon;

       

      (e)  the
        original Assignment of Mortgage for each Mortgage Loan, in form and substance
        acceptable for recording. The Assignment of Mortgage must be duly recorded
        only
        if recordation is either necessary under applicable law or commonly required
        by
        private institutional mortgage investors in the area where the Mortgaged
        Property is located or on direction of the Purchaser as provided in this
        Agreement. If the Assignment of Mortgage is to be recorded, the Mortgage
        shall
        be assigned to the Purchaser. If the Assignment of Mortgage is not to be
        recorded, the Assignment of Mortgage shall be delivered in blank. If the
        Mortgage Loan was acquired by the Seller in a merger, the Assignment of Mortgage
        must be made by “New Century Mortgage Corporation, successor by merger to [name
        of predecessor].” If the Mortgage Loan was acquired or originated by the Seller
        while doing business under another name, the Assignment of Mortgage must
        be by
“New Century Mortgage Corporation, formerly known as [previous
        name]”;

       

      (f)  the
        originals of all intervening assignments of mortgage (if any) evidencing
        a
        complete chain of assignment from the originator to the Last Endorsee with
        evidence of recording thereon, or if any such intervening assignment has
        not
        been returned from the applicable recording office or has been lost or if
        such
        public recording office retains the original recorded assignments of mortgage,
        the Seller shall deliver or cause to be delivered to the Custodian, a photocopy
        of such intervening assignment, together with (i) in the case of a delay
        caused by the public recording office, an Officers Certificate of the Seller
        (or
        certified by the title company, escrow agent, or closing attorney) stating
        that
        such intervening assignment of mortgage has been dispatched to the appropriate
        public recording office for recordation and that such original recorded
        intervening assignment of mortgage or a copy of such intervening assignment
        of
        mortgage certified by the appropriate public recording office to be a true
        and
        complete copy of the original recorded intervening assignment of mortgage
        will
        be promptly delivered to the Custodian upon receipt thereof by the Seller;
        or
        (ii) in the case of an intervening assignment where a public recording
        office retains the original recorded intervening assignment or in the case
        where
        an intervening assignment is lost after recordation in a public recording
        office, a copy of such intervening assignment certified by such public recording
        office to be a true and complete copy of the original recorded intervening
        assignment;

       

      (g)  The
        original mortgagee policy of title insurance or, in the event such original
        title policy is unavailable, a certified true copy of the related policy
        binder
        or commitment for title certified to be true and complete by the title insurance
        company; and

       

      (h)  security
        agreement, chattel mortgage or equivalent document executed in connection
        with
        the Mortgage.

       

        In
        the
        event an Officers Certificate of the Seller is delivered to the Purchaser
        because of a delay caused by the public recording office in returning any
        recorded document, the Seller shall deliver to the Purchaser, within 90 days
        of
        the related Closing Date, an Officer’s Certificate which shall (i) identify
        the recorded document, (ii) state that the recorded document has not been
        delivered to the Custodian due solely to a delay caused by the public recording
        office, (iii) state the amount of time generally required by the applicable
        recording office to record and return a document submitted for recordation,
        and
        (iv) specify the date the applicable recorded document will be delivered to
        the Custodian. An extension of the date specified in (iv) above may be
        requested from the Purchaser, which consent shall not be unreasonably
        withheld.

      

       

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

      Exhibit
        B

       

      EXHIBIT
        B

       

      CONTENTS
        OF EACH CREDIT FILE

       

      (a)  The
        original hazard insurance policy and, if required by law, flood insurance
        policy.

       

      (b)  Residential
        loan application.

       

      (c)  Mortgage
        Loan closing statement.

       

      (d)  Verification
        of employment and income except for Mortgage Loans originated under a Limited
        Documentation Program.

       

      (e)  Verification
        of acceptable evidence of source and amount of downpayment.

       

      (f)  Credit
        report on the Mortgagor.

       

      (g)  Residential
        appraisal report, if available.

       

      (h)  Photograph
        of the Mortgaged Property.

       

      (i)  Survey
        of
        the Mortgaged Property, if any.

       

      (j)  Copy
        of
        each instrument necessary to complete identification of any exception set
        forth
        in the exception schedule in the title policy, i.e., map or plat, restrictions,
        easements, sewer agreements, home association declarations, etc.

       

      (k)  All
        required disclosure statements.

       

      (l)  If
        available, termite report, structural engineer’s report, water potability and
        septic certification.

       

      (m)  Sales
        contract, if applicable.

       

      (n)  Tax
        receipts, insurance premium receipts, ledger sheets, payment history from
        date
        of origination, insurance claim files, correspondence, current and historical
        computerized data files, and all other processing, underwriting and closing
        papers and records which are customarily contained in a mortgage loan file
        and
        which are required to document the Mortgage Loan or to service the Mortgage
        Loan.

       

      (o)  Amortization
        schedule, if applicable.

      

       

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

      Exhibit
        C

       

      EXHIBIT
        C

       

      SELLER’S
        OFFICER’S CERTIFICATE

       

        I,
        ____________________, hereby certify that I am the duly elected [Vice] President
        of New Century Mortgage Corporation, a [state] [federally] chartered institution
        organized under the laws of the [state of ____________] [United States] (the
        “Company”)
        and
        further as follows:

       

      1.  Attached
        hereto as Exhibit
        1
        is a
        true, correct and complete copy of the charter of the Company which is in
        full
        force and effect on the date hereof and which has been in effect without
        amendment, waiver, rescission or modification

       

      2.  Attached
        hereto as Exhibit
        2
        is a
        true, correct and complete copy of the bylaws of the Company which are in
        effect
        on the date hereof and which have been in effect without amendment, waiver,
        rescission or modification.

       

      3.  Attached
        hereto as Exhibit
        3
        is an
        original certificate of good standing of the Company issued within ten days
        of
        the date hereof, and no event has occurred since the date thereof which would
        impair such standing.

       

      4.  Attached
        hereto as Exhibit
        4
        is a
        true, correct and complete copy of the corporate resolutions of the Board
        of
        Directors of the Company authorizing the Company to execute and deliver each
        of
        the Flow Mortgage Loan Purchase and Warranties Agreement, dated as of August
        25,
        2004, by and between Goldman Sachs Mortgage Company (the “Purchaser”)
        and
        the Company (the “Purchase
        Agreement”),
        the
        Flow Interim Servicing Agreement, dated as of August 25, 2004, by and between
        Goldman Sachs Mortgage Company (the “Purchaser”)
        and
        the Company (the “Servicing
        Agreement,”
        together with the Purchase Agreement, the “Agreements”),
        and
        to endorse the Mortgage Notes and execute the Assignments of Mortgages by
        original or facsimile signature, and such resolutions are in effect on the
        date
        hereof and have been in effect without amendment, waiver, rescission or
        modification.

       

      5.  Either
        (i) no consent, approval, authorization or order of any court or
        governmental agency or body is required for the execution, delivery and
        performance by the Company of or compliance by the Company with the Agreements,
        the sale of the mortgage loans or the consummation of the transactions
        contemplated by the agreements; or (ii) any required consent, approval,
        authorization or order has been obtained by the Company.

       

      6.  Neither
        the consummation of the transactions contemplated by, nor the fulfillment
        of the
        terms of the Agreements conflicts or will conflict with or results or will
        result in a breach of or constitutes or will constitute a default under the
        charter or by-laws of the Company, the terms of any indenture or, to the
        best of
        the Company’s knowledge, other agreement or instrument to which the Company is a
        party or by which it is bound or to which it is subject, or any statute or
        order, rule, regulations, writ, injunction or decree of any court, governmental
        authority or regulatory body to which the Company is subject or by which
        it is
        bound.

       

      7.  To
        the
        best of my knowledge, there is no action, suit, proceeding or investigation
        pending or threatened against the Company which, in my judgment, either in
        any
        one instance or in the aggregate, may result in any material adverse change
        in
        the business, operations, financial condition, properties or assets of the
        Company or in any material impairment of the right or ability of the Company
        to
        carry on its business substantially as now conducted or in any material
        liability on the part of the Company or which would draw into question the
        validity of the Agreements, or the mortgage loans or of any action taken
        or to
        be taken in connection with the transactions contemplated hereby, or which
        would
        be likely to impair materially the ability of the Company to perform under
        the
        terms of the Agreements.

       

      8.  Each
        person listed on Exhibit
        5
        attached
        hereto who, as an officer or representative of the Company, signed the
        Agreements and any other document delivered or on the date hereof in connection
        with any purchase described in the agreements set forth above was, at the
        respective times of such signing and delivery, and is now, a duly elected
        or
        appointed, qualified and acting officer or representative of the Company,
        who
        holds the office set forth opposite his or her name on Exhibit
        5,
        and the
        signatures of such persons appearing on such documents are their genuine
        signatures.

       

      9.  The
        Company is duly authorized to engage in the transactions described and
        contemplated in the Agreements.

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

       

      IN
        WITNESS WHEREOF, I have hereunto signed my name and affixed the seal of the
        Company.

       

      

      
        	
                Dated:

              	 	 	
                By:

              	 
	 	 	 	
                Name:

              	 
	
                [Seal]

              	 	 	
                Title:

              	
                [Vice
                  President]

              

      

       

      

       

      I,
        ________________________, an [Assistant] Secretary of ______________[COMPANY],
        hereby certify that ____________ is the duly elected, qualified and acting
        [Vice] President of the Company and that the signature appearing above is
        [her]
        [his] genuine signature.

       

      IN
        WITNESS WHEREOF, I have hereunto signed my name.

       

      

      
        	
                Dated:

              	 	 	
                By:

              	 
	 	 	 	
                Name:

              	 
	 	 	 	
                Title:

              	
                [Assistant]
                  Secretary ]

              

      

       

      

      

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

       

      EXHIBIT
        5
        to

       

      Company’s
        Officer’s Certificate

       

      

      
        	
                NAME

              	
                TITLE

              	
                SIGNATURE

              
	 	 	 
	 	 	 
	 	 	 
	 	 	 
	 	 	 
	 	 	 
	 	 	 

      

      

      

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

       

      EXHIBIT
        D

       

      

       

      FORM
        OF OPINION OF COUNSEL TO THE SELLER

       

      (date)

       

      Goldman
        Sachs Mortgage Company

      85
        Broad
        Street 

      New
        York,
        New York 10004

       

      Dear
        Sirs:

       

      You
        have
        requested [our] [my] opinion, as [Assistant] General Counsel to New Century
        Mortgage Corporation (the “Company”),
        with
        respect to certain matters in connection with the sale by the Company of
        the
        Mortgage Loans pursuant to that certain Flow Mortgage Loan Purchase and
        Warranties Agreement by and between the Company and Goldman Sachs Mortgage
        Company (the “Purchaser”),
        dated
        as of March 1, 2006 (the “Purchase
        Agreement”)
        which
        sale is in the form of whole loans and that certain Flow Interim Servicing
        Agreement by and between the Company and Goldman Sachs Mortgage Company (the
        “Purchaser”),
        dated
        as of March 1, 2006 (the “Servicing
        Agreement,”
        together with the Purchase Agreement, the “Agreements”).
        Capitalized terms not otherwise defined herein have the meanings set forth
        in
        the Purchase Agreement.

       

        [We]
        [I]
        have examined the following documents:

       

      
        	1.  	
                the
                  Agreements;

              

      

       

      
        	2.  	
                the
                  form of Assignment of Mortgage;

              

      

       

      
        	3.  	
                the
                  form of endorsement of the Mortgage Notes;
                  and

              

      

       

      
        	4.  	
                such
                  other documents, records and papers as we have deemed necessary
                  and
                  relevant as a basis for this
                  opinion.

              

      

       

      To
        the
        extent [we] [I] have deemed necessary and proper, [we] [I] have relied upon
        the
        representations and warranties of the Company contained in the Purchase
        Agreement. [We] [I] have assumed the authenticity of all documents submitted
        to
        [us] [me] as originals, the genuineness of all signatures, the legal capacity
        of
        natural persons and the conformity to the originals of all
        documents.

       

        Based
        upon the foregoing, it is [our] [my] opinion that:

       

      
        	1.  	
                The
                  Company is a [type of entity] duly organized, validly existing
                  and in good
                  standing under the laws of ___________ and is qualified to transact
                  business in, and is in good standing under, the laws of [the state
                  of
                  incorporation].

              

      

       

      
        	2.  	
                The
                  Company has the power to engage in the transactions contemplated
                  by the
                  Agreements and all requisite power, authority and legal right to
                  execute
                  and deliver such Agreements and to perform and observe the terms
                  and
                  conditions of such Agreements.

              

      

       

      
        	3.  	
                Each
                  of the Agreements has been duly authorized, executed and delivered
                  by the
                  Company, and is a legal, valid and binding agreement enforceable
                  in
                  accordance with its respective terms against the Company, subject
                  to
                  bankruptcy laws and other similar laws of general application affecting
                  rights of creditors and subject to the application of the rules
                  of equity,
                  including those respecting the availability of specific performance,
                  none
                  of which will materially interfere with the realization of the
                  benefits
                  provided thereunder or with the Purchaser’s ownership of the Mortgage
                  Loans.

              

      

       

      
        	4.  	
                The
                  Company has been duly authorized to allow any of its officers to
                  execute
                  any and all documents by original signature in order to complete
                  the
                  transactions contemplated by the
                  Agreements.

              

      

       

      
        	5.  	
                The
                  Company has been duly authorized to allow any of its officers to
                  execute
                  by original [or facsimile] signature the endorsements to the Mortgage
                  Notes and the Assignments of Mortgages, and the original [or facsimile]
                  signature of the officer at the Company executing the endorsements to the
                  Mortgage Notes and the Assignments of Mortgages represents the
                  legal and
                  valid signature of said officer of the
                  Company.

              

      

       

      
        	6.  	
                Either
                  (i) no consent, approval, authorization or order of any court or
                  governmental agency or body is required for the execution, delivery
                  and
                  performance by the Company of or compliance with the Agreements
                  and the
                  sale of the Mortgage Loans by the Company or the consummation of
                  the
                  transactions contemplated by the Agreements or (ii) any required
                  consent, approval, authorization or order has been obtained by
                  the
                  Company.

              

      

       

      
        	7.  	
                Neither
                  the consummation of the transactions contemplated by, nor the fulfillment
                  of the terms of, the Agreements conflicts or will conflict with
                  or results
                  or will result in a breach of or constitutes or will constitute
                  a default
                  under the charter or by-laws of the Company, the terms of any indenture
                  or, to the best of the Company’s knowledge, other agreement or instrument
                  to which the Company is a party or by which it is bound or to which
                  it is
                  subject, or violates any statute or order, rule, regulations, writ,
                  injunction or decree of any court, governmental authority or regulatory
                  body to which the Company is subject or by which it is
                  bound.

              

      

       

      
        	8.  	
                There
                  is no action, suit, proceeding or investigation pending or, to
                  the best of
                  [our] [my] knowledge, threatened against the Company which, in
                  [our] [my]
                  judgment, either in any one instance or in the aggregate, may result
                  in
                  any material adverse change in the business, operations, financial
                  condition, properties or assets of the Company or in any material
                  impairment of the right or ability of the Company to carry on its
                  business
                  substantially as now conducted or in any material liability on
                  the part of
                  the Company or which would draw into question the validity of the
                  Agreements to which it is a party or the Mortgage Loans or of any
                  action
                  taken or to be taken in connection with the transactions contemplated
                  thereby, or which would be likely to impair materially the ability
                  of the
                  Company to perform under the terms of the
                  Agreements.

              

      

       

      
        	9.  	
                The
                  sale of each Mortgage Note and Mortgage as and in the manner contemplated
                  by the Purchase Agreement and the Servicing Agreement is sufficient
                  to
                  fully transfer to the Purchaser all right, title and interest of
                  the
                  Company thereto as noteholder and
                  mortgagee.

              

      

       

      
        	10.  	
                The
                  Assignments of Mortgage are in recordable form, except for the
                  insertion
                  of the name of the assignee, and upon the name of the assignee
                  being
                  inserted, are acceptable for recording under the laws of the state
                  where
                  each related Mortgaged Property is located. The endorsement of
                  the
                  Mortgage Notes, the delivery to the Purchaser, or its designee,
                  of the
                  Assignments of Mortgage, and the delivery of the original endorsed
                  Mortgage Notes to the Purchaser, or its designee, are sufficient
                  to permit
                  the Purchaser to avail itself of all protection available under
                  applicable
                  law against the claims of any present or future creditors of the
                  Company,
                  and are sufficient to prevent any other sale, transfer, assignment,
                  pledge
                  or hypothecation of the Mortgages and the Mortgage Notes by the
                  Company
                  from being enforceable.

              

      

       

      This
        opinion is given to you for your sole benefit, and no other person or entity
        is
        entitled to rely hereon except that the purchaser or purchasers to which
        you
        initially and directly resell the Mortgage Loans may rely on this opinion
        as if
        it were addressed to them as of its date.

       

      

      
        	 	 	 	 	 	 	 	
                Very
                  truly yours,

              
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
                [Name]

              
	 	 	 	 	 	 	 	
                [Assistant]
                  General Counsel

              

      

       

      

       

      

      

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

       

      Exhibit
        E

       

      EXHIBIT
        E

       

      FORM
        OF SECURITY RELEASE CERTIFICATION

       

      

       

      ___________________,
        200__

       

      [Federal
        Home Loan Bank of

      ______(the
        “Association”)]

      ________________________

      ________________________

      ________________________

       

      
        	
                Attention:

              	
                ___________________________

                ___________________________

              

      

       

       

      
        	Re:  	
                Notice
                  of Sale and Release of
                  Collateral

              

      

       

      Dear
        Sirs:

       

      This
        letter serves as notice that ________________________[COMPANY] a [type of
        entity], organized pursuant to the laws of [the state of incorporation] (the
        “Company”)
        has
        committed to sell to Goldman Sachs Mortgage Company under a Flow Mortgage
        Loan
        Purchase and Warranties Agreement, dated as of March 1, 2006, certain
        mortgage loans originated by the Association. The Company warrants that the
        mortgage loans to be sold to Goldman Sachs Mortgage Company are in addition
        to
        and beyond any collateral required to secure advances made by the Association
        to
        the Company.

       

      The
        Company acknowledges that the mortgage loans to be sold to Goldman Sachs
        Mortgage Company shall not be used as additional or substitute collateral
        for
        advances made by the Association. Goldman Sachs Mortgage Company understands
        that the balance of the Company’s mortgage loan portfolio may be used as
        collateral or additional collateral for advances made by the Association,
        and
        confirms that it has no interest therein.

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

       

      Execution
        of this letter by the Association shall constitute a full and complete release
        of any security interest, claim, or lien which the Association may have against
        the mortgage loans to be sold to
        ___________________________________.

       

      

      
        	 	 	 	 	 	 	 	
                Very
                  truly yours,

              
	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
                By:

              	 
	 	 	 	 	 	 	 	
                Name:

              	 
	 	 	 	 	 	 	 	
                Title:

              	 
	 	 	 	 	 	 	 	
                Date:

              	 

      

       

      

      
        	
                Acknowledged
                  and approved:

              	 
	 	 
	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	
                By:

              	 	 	 
	
                Name:

              	 	 	 
	
                Title:

              	 	 	 
	
                Date:

              	 	 	 

      

       

      

       

      

       

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

      

      

       

      Exhibit
        F

       

      EXHIBIT
        F

       

      FORM
        OF SECURITY RELEASE CERTIFICATION

       

      I.  Release
        of Security Interest

       

      The
        financial institution named below hereby relinquishes any and all right,
        title
        and interest it may have in all Mortgage Loans to be purchased by Goldman
        Sachs
        Mortgage Company from New Century Mortgage Corporation pursuant to that certain
        Flow Mortgage Loan Purchase and Warranties Agreement, dated as of March 1,
        2006, and certifies that all notes, mortgages, assignments and other documents
        in its possession relating to such Mortgage Loans have been delivered and
        released to Goldman Sachs Mortgage Company or its designees, as of the date
        and
        time of the sale of such Mortgage Loans to Goldman Sachs Mortgage
        Company.

       

      

      
        	
                Name
                  and Address of Financial Institution

              	 
	 	 
	 	 
	
                (name)

              	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 
	
                (Address)

              	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	
                By:

              	 	 	 

      

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

       

      II.  Certification
        of Release

       

      The
        Company named below hereby certifies to Goldman Sachs Mortgage Company that,
        as
        of the date and time of the sale of the above-mentioned Mortgage Loans, the
        security interests in the Mortgage Loans released by the above-named financial
        institution comprise all security interests relating to or affecting any
        and all
        such Mortgage Loans. The Company warrants that, as of such time, there are
        and
        will be no other security interests affecting any or all of such Mortgage
        Loans.

       

      

      
        	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
                By:

              	 
	 	 	 	 	 	 	 	
                Name:

              	 
	 	 	 	 	 	 	 	
                Title:

              	 

      

       

      

      

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

      

       

      Exhibit
        G

       

      EXHIBIT
        G

       

      FORM
        OF ASSIGNMENT AND ASSUMPTION AGREEMENT

       

      ASSIGNMENT
        AND ASSUMPTION AGREEMENT, dated ______________, between
        __________________________________, a ___________________ corporation
        (“Assignor”)
        and
        ________________________________, a __________________ corporation
        (“Assignee”):

       

        For
        good
        and valuable consideration the receipt and sufficiency of which hereby are
        acknowledged, and of the mutual covenants herein contained, the parties hereto
        hereby agree as follows:

       

      1.  The
        Assignor hereby grants, transfers, conveys and assigns to Assignee, as
        Purchaser, all of the right, title and interest of Assignor with respect
        to the
        mortgage loans listed on Exhibit
        A
        attached
        hereto (the “Mortgage
        Loans”),
        and
        with respect to such Mortgage Loans, in, to and under (a) that certain Flow
        Mortgage Loan Purchase and Warranties Agreement (the “Purchase
        Agreement”),
        and
        (b) that certain Flow Interim Servicing Agreement, each dated as of
        March 1, 2006 among the Purchaser and New Century Mortgage Corporation (the
“Servicing
        Agreement”);
        and
        (c) the Purchase Agreement and the Servicing Agreement are collectively
        referred to as the “Agreements”).

       

      2.  The
        Assignor warrants and represents to, and covenants with, the Assignee
        that:

       

      a.  The
        Assignor is the lawful owner of the Mortgage Loans with the full right to
        transfer the Mortgage Loans free from any and all claims and encumbrances
        whatsoever;

       

      b.  The
        Assignor has not received notice of, and has no knowledge of, any offsets,
        counterclaims or other defenses available to the Seller with respect to the
        Agreements or the Mortgage Loans;

       

      c.  The
        Assignor has not waived or agreed to any waiver under, or agreed to any
        amendment or other modification of, the Agreements. The Assignor has no
        knowledge of, and has not received notice of, any waivers under or amendments
        or
        other modifications of, or assignments of rights or obligations under, the
        Agreements; and

       

      d.  Neither
        the Assignor nor anyone acting on its behalf has offered, transferred, pledged,
        sold or otherwise disposed of the Mortgage Loans or any interest in the Mortgage
        Loans, or solicited any offer to buy or accept a transfer, pledge or other
        disposition of the Mortgage Loans, or any interest in the Mortgage Loans
        or
        otherwise approached or negotiated with respect to the Mortgage Loans, or
        any
        interest in the Mortgage with any person in any manner, or made any general
        solicitation by means of general advertising or in any other manner, or taken
        any other action which would constitute a distribution of the Mortgage Loans
        under the Securities Act of 1933, as amended (the “Securities
        Act”)
        or
        which would render the disposition of the Mortgage Loans a violation of
        Section 5 of the Securities Act or require registration pursuant
        thereto.

       

      3.  The
        Assignee warrants and represents to, and covenants with, the Assignor and
        the
        Seller pursuant to the Agreements that:

       

      a.  The
        Assignee is a corporation duly organized, validly existing and in good standing
        under the laws of the jurisdiction of its incorporation, and has all requisite
        corporate power and authority to acquire, own and purchase the Mortgage
        Loans;

       

      b.  The
        Assignee has full corporate power and authority to execute, deliver and perform
        under this Assignment and Assumption Agreement, and to consummate the
        transactions set forth herein. The execution, delivery and performance of
        the
        Assignee of this Assignment and Assumption Agreement, and the consummation
        by it
        of the transactions contemplated hereby, have been duly authorized by all
        necessary corporate action of the Assignee. This Assignment and Assumption
        Agreement has been duly executed and delivered by the Assignee and constitutes
        the valid and legally binding obligation of the Assignee enforceable against
        the
        Assignee in accordance with its respective terms;

       

      c.  To
        the
        best of Assignee’s knowledge, no material consent, approval, order or
        authorization of, or declaration, filing or registration with, any governmental
        entity is required to be obtained or made by the Assignee in connection with
        the
        execution, delivery or performance by the Assignee of this Assignment and
        Assumption Agreement, or the consummation by it of the transactions contemplated
        hereby;

       

      d.  The
        Assignee agrees to be bound, as Purchaser, by all of the terms, covenants
        and
        conditions of the Agreements, the Mortgage Loans, and from and after the
        date
        hereof, the Assignee assumes for the benefit of each of the Seller, the Assignor
        and the Custodian all of the Assignor’s obligations as Purchaser thereunder;
        including, without limitation, the limitation on assignment set forth in
        Section 22 of the Purchase Agreement;

       

      e.  The
        Assignee understands that the Mortgage Loans have not been registered under
        the
        Securities Act or the securities laws of any state;

       

      f.  The
        purchase price being paid by the Assignee for the Mortgage Loans is in excess
        of
        $250,000 and will be paid by cash remittance of the full purchase price within
        60 days of the sale;

       

      g.  The
        Assignee is acquiring the Mortgage Loans for investment for its own account
        only
        and not for any other person;

       

      h.  The
        Assignee considers itself a substantial, sophisticated institutional investor
        having such knowledge and experience in financial and business matters that
        it
        is capable of evaluating the merits and risks of investment in the Mortgage
        Loans;

       

      i.  The
        Assignee has been furnished with all information regarding the Mortgage Loans
        that it has requested from the Assignor or the Seller;

       

      j.  Neither
        the Assignee nor anyone acting on its behalf has offered, transferred, pledged,
        sold or otherwise disposed of the Mortgage Loans or any interest in the Mortgage
        Loans, or solicited any offer to buy or accept a transfer, pledge or other
        disposition of the Mortgage Loans or any interest in the Mortgage Loans,
        or
        otherwise approached or negotiated with respect to the Mortgage Loans or
        any
        interest in the Mortgage Loans with any person in any manner which would
        constitute a distribution of the Mortgage Loans under the Securities Act
        or
        which would render the disposition of the Mortgage Loans a violation of
        Section 5 of the Securities Act or require registration pursuant thereto,
        nor will it act, nor has it authorized or will it authorize any person to
        act,
        in such manner with respect to the Mortgage Loans; and

       

      k.  Either:
        (1) the Assignee is not an employee benefit plan (“Plan”)
        within
        the meaning of section 3(3) of the Employee Retirement Income Security Act
        of
        1974, as amended (“ERISA”)
        or a
        plan (also “Plan”)
        within
        the meaning of section 4975(e)(1) of the Internal Revenue Code of 1986
        (“Code”),
        and
        the Assignee is not directly or indirectly purchasing the Mortgage Loans
        on
        behalf of, investment manager of, as named fiduciary of, as Trustee of, or
        with
        assets of, a Plan; or (2) the Assignee’s purchase of the Mortgage Loans
        will not result in a prohibited transaction under section 406 of ERISA or
        section 4975 of the Code.

       

      4.  (a)  The
        Assignee’s address for purposes of all notices and correspondence related to the
        Mortgage Loans, this Assignment and Assumption Agreement and the Agreements
        is:

       

      The
        Assignee’s wire instructions for purposes of all remittances and payments
        related to the Mortgage Loans are:

       

      (b) The
        Assignor’s address for purposes for all notices and correspondence related to
        the Mortgage Loans and this Assignment and Assumption Agreement is:

       

      5.  This
        Assignment and Assumption Agreement shall be construed in accordance with
        the
        laws of the State of New York and the obligations, rights and remedies of
        the
        parties hereunder shall be determined in accordance with such laws, except
        to
        the extent preempted by federal law.

       

      6.  This
        Assignment and Assumption Agreement shall inure to the benefit of the successors
        and assigns of the parties hereto. This Assignment and Assumption Agreement
        may
        not be assigned by the Assignee without the express written consent of the
        Assignor. Any entity into which the Assignor or Assignee may be merged or
        consolidated shall, without the requirement for any further writing, be deemed
        the Assignor or Assignee, respectively, hereunder.

       

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

       

      8.  This
        Assignment and Assumption Agreement shall survive the conveyance of the Mortgage
        Loans and the assignment of the Agreements by the Assignor.

       

      9.  Notwithstanding
        the assignment of the Agreements by either the Assignor or Assignee, this
        Assignment and Assumption Agreement shall not be deemed assigned by the Assignor
        or the Assignee unless assigned by separate written instrument.

       

      10.  For
        the
        purpose for facilitating the execution of this Assignment and Assumption
        Agreement as herein provided and for other purposes, this Assignment and
        Assumption Agreement may be executed simultaneously in any number of
        counterparts, each of which counterparts shall be deemed to be an original,
        and
        such counterparts shall constitute and be one and the same
        instrument.

       

      IN
        WITNESS WHEREOF, the parties have caused this Assignment and Assumption
        Agreement to be executed by their duly authorized officers as of the date
        first
        above written.

       

      

      
        	 	 	 
	
                Assignor

              	 	
                Assignor

              
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	
                By:

              	 	 	
                By:

              	 
	
                Name:

              	 	 	
                Name:

              	 
	
                Title:

              	 	 	
                Title:

              	 
	 	 	 	 	 
	
                Its:

              	 	 	
                Its:

              	 
	 	 	 	 	 

      

      

      
        	
                Taxpayer

                Identification
                  No.

              	 	 	
                Taxpayer

                Identification
                  No.

              	 
	 	 	 	 	 

      

       

      

       

      

       

      

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

       

      

      

       

      Exhibit
        H

       

      EXHIBIT
        H

       

      INTENTIONALLY
        OMITTED

      

      

       

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

      Exhibit
        I

       

      EXHIBIT
        I

       

      ASSIGNMENT
        AND CONVEYANCE

       

      On
        this
        __ day of _________, 200_, New Century Mortgage Corporation, as the Seller,
        under that certain Flow Mortgage Loan Purchase and Warranties Agreement,
        dated
        as of March 1,
        2006
        (the
“Agreement”)
        does
        hereby sell, transfer, assign, set over and convey to Goldman Sachs Mortgage
        Company, as Purchaser under the Agreement all rights, title and interest
        of the
        Seller in and to (a) the Mortgage Loans listed on the related Mortgage Loan
        Schedule attached as Exhibit
        1
        hereto,
        and (b) the Servicing Rights, together with the related Mortgage Files and
        all rights and obligations arising under the documents contained therein.
        Pursuant to Section 2 of the Agreement, the Seller has delivered to the
        Custodian the documents for each Mortgage Loan to be purchased as set forth
        in
        the Agreement. The ownership of each Mortgage Note, Mortgage, and the contents
        of each Mortgage File is vested in the Purchaser and the ownership of all
        records and documents with respect to the related Mortgage Loan prepared
        by or
        which come into the possession of the Seller shall immediately vest in the
        Purchaser and shall be delivered promptly by the Seller to the
        Purchaser.

       

      The
        Seller confirms to the Purchaser that, unless otherwise agreed upon in writing
        by the Seller and the Purchaser, the representations and warranties set forth
        in
        Section 7 of the Agreement with respect to the Mortgage Loans listed on the
        Mortgage Loan Schedule attached hereto, and the representations and warranties
        in Section 6 of the Agreement with respect to the Seller are true and
        correct as of the date hereof. The Mortgage Loans have the pool characteristics
        set forth on Exhibit 2
        hereto.

       

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

       

      

      
        	 	 	 	 	 	 	 	
                NEW
                  CENTURY MORTGAGE CORPORATION

                (Seller)

              
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
                By:

              	
                 

              
	 	 	 	 	 	 	 	
                Name:

              	 
	 	 	 	 	 	 	 	
                Title:

              	 

      

       

      

       

      

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

       

      Exhibit
        1 to Assignment and Conveyance

       

      Mortgage
        Loan Schedule

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

       

      Exhibit
        2 to Assignment and Conveyance

       

      Pool
        Characteristics of the Mortgage Loans as delivered on the Closing
        Date:

      

      

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

       

      Exhibit
        J

       

      EXHIBIT
        J

       

      ORIGINATOR’S
        UNDERWRITING GUIDELINES

      

      

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

       

      Exhibit
        K

       

      EXHIBIT
        K

       

      MORTGAGE
        LOAN SCHEDULE

      

      

       

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

      Exhibit
        L

       

      EXHIBIT
        L

      
 

       

      INTENTIONALLY
        OMITTED

      

      

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

       

      Exhibit
        M

       

      INTENTIONALLY
        OMITTED

      

      

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

       

      EXHIBIT
        N

       

      FORM
        OF INDEMNIFICATION AGREEMENT

       

      THIS
        INDEMNIFICATION AND CONTRIBUTION AGREEMENT dated [_______], 200___
        (“Agreement”)
        between GS Mortgage Securities Corp., a Delaware corporation (the “Depositor”),
        and
        [___________________], a [_________] corporation (the “Indemnifying
        Party”).

       

      W I T N E&#1
        60;S S E T H:

       

      WHEREAS,
        the Indemnifying Party or its Affiliate originated or acquired the Mortgage
        Loans and subsequently sold the Mortgage Loans to an Affiliate of the Depositor
        in anticipation of the securitization transaction; and

       

      WHEREAS,
        as an inducement to the Depositor to enter into the Assignment and Recognition
        Agreement, to the Underwriter[s] to enter into the Underwriting Agreement
        (as
        defined herein), and to the Initial Purchaser[s] to enter into the Certificate
        Purchase Agreement (as defined herein), the Indemnifying Party wishes to
        provide
        for indemnification and contribution on the terms and conditions hereinafter
        set
        forth;

       

      NOW,
        THEREFORE, in consideration of the foregoing and of other good and valuable
        consideration, the receipt and sufficiency of which are hereby acknowledged,
        the
        parties hereto agree as follows:

       

      SECTION
        1. DEFINITIONS

       

      Section 1.01 Certain
        Defined Terms.
        The
        following terms shall have the meanings set forth below, unless the context
        clearly indicates otherwise:

       

      ABS
        Informational and Computational Material:
        Any
        written communication as defined in Item 1101(a) of Regulation AB under the
        1933 Act and the 1934 Act, as amended from time to time.

       

      Agreement:
        This
        Indemnification and Contribution Agreement, as the same may be amended in
        accordance with the terms hereof.

       

      Certificate
        Purchase Agreement:
        The
        Purchase Agreement, dated as of [______], 200___, [among] the Depositor and
        the
        Initial Purchaser[s], relating to the Privately Offered
        Certificates.

       

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

       

      Free
        Writing Prospectus:
        Any
        written communication that constitutes a “free writing prospectus,” as defined
        in Rule 405 under the Securities Act.

       

      GSMC:
        Goldman
        Sachs Mortgage Company, a New York limited partnership, and its successors
        and
        assigns.

       

      Indemnified
        Parties:
        As
        defined in Section 3.01.

       

      Indemnifying
        Party Information:
        (A) All information in the Prospectus Supplement or the Offering Circular,
        ABS Informational and Computational Material or any Free Writing Prospectus
        or
        any amendment or supplement thereto, (i) contained under the headings
        [“Transaction Overview—Parties—The Responsible Party”] and [“The Mortgage Loan
        Pool—Underwriting Guidelines”] and (ii) regarding the Mortgage Loans, the
        related Mortgagors and/or the related Mortgaged Properties (but in the case
        of
        this clause (ii), only to the extent any untrue statement or omission or
        alleged
        untrue statement or omission arises from or is based upon errors or omissions
        in
        the information concerning the Mortgage Loans, the related Mortgagors and/or
        the
        related Mortgaged Properties, as applicable, provided to the Depositor or
        any
        Affiliate thereof by or on behalf of the Indemnifying Party or any Affiliate
        thereof), and (B) [and static pool information regarding mortgage loans
        originated or acquired by the Seller [and included in the Prospectus Supplement,
        the Offering Circular, ABS Informational and Computational Material or the
        Free
        Writing Prospectus] [incorporated by reference from the website located at
        ______________].

       

      Offering
        Circular:
        The
        offering circular, dated [_______], 200___, relating to the private offering
        of
        the Privately Offered Certificates.

       

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

       

      Pooling
        and Servicing Agreement:
        The
        Pooling and Servicing Agreement, dated as of [_______], 200___, among the
        Depositor, the Indemnifying Party, [Servicer], as servicer, and [Trustee],
        as
        trustee.

       

      Privately
        Offered Certificates:
        [__________________], issued pursuant to the Pooling and Servicing
        Agreement.

       

      Prospectus
        Supplement:
        The
        prospectus supplement, dated [______], 200___, relating to the public
        offering of the Publicly Offered Certificates.

       

      Publicly
        Offered Certificates:
        [______________________________], issued pursuant to the Pooling and Servicing
        Agreement.

       

      Securities
        Act:
        The
        federal Securities Act of 1933, as amended.

       

      Regulation
        AB:
        Subpart
        229.1100 - Asset Backed Securities (Regulation AB), 17 C.F.R.
§§229.1100-229.1123, as such may be amended from time to time, and subject
        to
        such clarification and interpretation as have been provided by the Commission
        in
        the adopting release (Asset-Backed Securities, Securities Act Release No.
        33-8518, 70 Fed. Reg. 1,506, 1,531 (Jan. 7, 2005)) or by the staff of the
        Commission, or as may be provided by the Commission or its staff from time
        to
        time.

       

      Underwriters:
        Goldman, Sachs & Co., a New York limited partnership[, and [____________], a
        [___________] corporation], and their successors and assigns.

       

      Underwriting
        Agreement:
        The
        Underwriting Agreement, dated as of [________], 200__, [among] the Depositor
        and
        the Underwriter[s], relating to the Publicly Offered Certificates.

       

      Section 1.02 Other
        Terms.
        Capitalized terms used but not defined herein shall have the meanings assigned
        to such terms in the Pooling and Servicing Agreement.

       

      SECTION
        2. REPRESENTATIONS
        AND WARRANTIES

       

      (a) Each
        party hereto represents and warrants that it has all requisite corporate
        power
        and authority to execute, deliver and perform its obligations under this
        Agreement;

       

      (b) Each
        party hereto represents and warrants that this Agreement has been duly
        authorized, executed and delivered by such party; and

       

      (c) Each
        party hereto represents and warrants that assuming the due authorization,
        execution and delivery by each other party hereto, this Agreement constitutes
        the legal, valid and binding obligation of such party.

       

      (d) The
        Indemnifying Party hereto represents that the Indemnifying Party Information
        satisfies the requirements of the applicable provisions of Regulation
        AB.

       

      SECTION
        3. INDEMNIFICATION

       

      Section 3.01 Indemnification
        by the Indemnifying Party of the Depositor and the Underwriters.
        (a)  The Indemnifying Party shall indemnify and hold harmless the
        Depositor, GSMC, [each of] the Underwriter[s], the Initial Purchaser[s],
        and
        their respective Affiliates and their respective present and former directors,
        officers, partners and each Person, if any, that controls the Depositor,
        GSMC,
        such Underwriter, such Initial Purchaser, or such Affiliate, within the meaning
        of either the Securities Act or the Exchange Act (collectively, the
“Indemnified
        Parties”)
        against any and all losses, claims, damages, penalties, fines, forfeitures,
        or
        liabilities, joint or several, to which each such Indemnified Party may become
        subject, under the Securities Act, the Exchange Act or otherwise, to the
        extent
        that such losses, claims, damages, penalties, fines, forfeitures, or liabilities
        (or actions in respect thereof) arise out of or are based upon (i) any
        breach of the representation and warranty set forth in Section 2(d) above
        or (ii) any untrue statement or alleged untrue statement of any material
        fact contained in the Prospectus Supplement, the Offering Circular, the ABS
        Informational and Computational Material, any Free Writing Prospectus or
        any
        amendment or supplement thereto, or arise out of or are based upon the omission
        or alleged omission to state therein a material fact required to be stated
        therein or necessary to make the statements therein, in light of the
        circumstances in which they were made, not misleading, to the extent that
        such
        untrue statement or alleged untrue statement or omission or alleged omission
        relates to information set forth in the Indemnifying Party Information, and
        the
        Indemnifying Party shall in each case reimburse each Indemnified Party for
        any
        legal or other expenses reasonably incurred by such Indemnified Party in
        connection with investigating or defending any such loss, claim, damage,
        liability, penalties, fines, forfeitures, or action. The Indemnifying Party’s
        liability under this Section 3.01 shall be in addition to any other
        liability that the Indemnifying Party may otherwise have.

       

      (b) If
        the
        indemnification provided for in this Section 3.01 shall for any reason be
        unavailable to an Indemnified Party under this Section 3.01, then the party
        which would otherwise be obligated to indemnify with respect thereto, on
        the one
        hand, and the parties which would otherwise be entitled to be indemnified,
        on
        the other hand, shall contribute to the aggregate losses, liabilities, claims,
        damages and expenses of the nature contemplated herein and incurred by the
        parties hereto in such proportions that are appropriate to reflect the relative
        fault of the Depositor, GSMC, the Underwriter[s], and the Initial Purchaser[s],
        on one hand, and the Indemnifying Party, on the other hand, in connection
        with
        the applicable misstatements or omissions as well as any other relevant
        equitable considerations. Notwithstanding the foregoing, no Person guilty
        of
        fraudulent misrepresentation (within the meaning of Section 11(f) of the
        Securities Act) shall be entitled to contribution from any Person that was
        not
        guilty of such fraudulent misrepresentation. For purposes of this
        Section 3.01, each director, officer, partner and controlling Person, of
        the Depositor, GSMC, the Underwriter[s] and the Initial Purchaser[s] and
        their
        respective Affiliates shall have the same rights to contribution as such
        Person.

       

      Section 3.02 Notification;
        Procedural Matters.
        Promptly after receipt by an Indemnified Party under Section 3.01 of notice
        of any claim or the commencement of any action, such Indemnified Party shall,
        if
        a claim in respect thereof is to be made against the Indemnifying Party under
        Section 3.01, notify the Indemnifying Party (or other contributing party)
        in writing of the claim or the commencement of such action; provided, however,
        that the failure to notify the Indemnifying Party (or other contributing
        party)
        shall not relieve it from any liability which it may have under
        Section 3.01 except to the extent it has been materially prejudiced by such
        failure; and provided further, however, that the failure to notify the
        Indemnifying Party shall not relieve it from any liability which it may have
        to
        any Indemnified Party otherwise than under Section 3.01. In case any such
        action is brought against any Indemnified Party and it notifies the Indemnifying
        Party of the commencement thereof, the Indemnifying Party shall be entitled
        to
        participate therein and, to the extent that, by written notice delivered
        to the
        Indemnified Party promptly after receiving the aforesaid notice from such
        Indemnified Party, the Indemnifying Party elects to assume the defense thereof,
        it may participate with counsel reasonably satisfactory to such Indemnified
        Party; provided, however, that if the defendants in any such action include
        both
        the Indemnified Party and the Indemnifying Party and the Indemnified Party
        or
        parties shall reasonably have concluded that there may be legal defenses
        available to it or them and/or other Indemnified Parties that are different
        from
        or additional to those available to the Indemnifying Party, the Indemnified
        Party or parties shall have the right to select separate counsel to assert
        such
        legal defenses and to otherwise participate in the defense of such action
        on
        behalf of such Indemnified Party or parties. Upon receipt of notice from
        the
        Indemnifying Party to such Indemnified Party of its election so to assume
        the
        defense of such action and approval by the Indemnified Party of such counsel,
        the Indemnifying Party shall not be liable to such Indemnified Party under
        this
        paragraph for any legal or other expenses subsequently incurred by such
        Indemnified Party in connection with the defense thereof, unless (i) the
        Indemnified Party shall have employed separate counsel (plus any local counsel)
        in connection with the assertion of legal defenses in accordance with the
        proviso to the immediately preceding sentence, (ii) the Indemnifying Party
        shall not have employed counsel reasonably satisfactory to the Indemnified
        Party
        to represent the Indemnified Party within a reasonable time after notice
        of
        commencement of the action or (iii) the Indemnifying Party shall have
        authorized the employment of counsel for the Indemnified Party at the expense
        of
        the Indemnifying Party. No party shall be liable for contribution with respect
        to any action or claim settled without its consent, which consent shall not
        be
        unreasonably withheld. In no event shall the Indemnifying Party be liable
        for
        the fees and expenses of more than one counsel representing the Indemnified
        Parties (in addition to any local counsel) separate from its own counsel
        for all
        Indemnified Parties in connection with any one action or separate but similar
        or
        related actions in the same jurisdiction arising out of the same general
        allegations or circumstances.

       

      SECTION
        4. GENERAL

       

      Section 4.01 Survival.
        This
        Agreement and the obligations of the parties hereunder shall survive the
        purchase and sale of the Publicly Offered Certificates and the Privately
        Offered
        Certificates.

       

      Section 4.02 Successors.
        This
        Agreement shall inure to the benefit of and be binding upon the parties hereto,
        each Indemnified Party and their respective successors and assigns, and no
        other
        Person shall have any right or obligation hereunder.

       

      Section 4.03 Applicable
        Law.
        This
        Agreement shall be governed by and construed in accordance with the laws
        of the
        State of New York without giving effect to principles of conflict of
        laws.

       

      Section 4.04 Miscellaneous.
        Neither
        this Agreement nor any term hereof may be changed, waived, discharged or
        terminated except by a writing signed by the party against which enforcement
        of
        such change, waiver, discharge or termination is sought. This Agreement may
        be
        signed in any number of counterparts, each of which shall be deemed an original,
        which taken together shall constitute one and the same instrument.

       

      Section 4.05 Notices.
        All
        communications hereunder shall be in writing and shall be deemed to have
        been
        duly given when delivered to (a) in the case of the Depositor, GSMC, the
        Underwriter[s], or the Initial Purchaser[s], GS Mortgage Securities Corp.,
        Goldman Sachs Mortgage Company or Goldman, Sachs & Co. c/o Goldman, Sachs
& Co., 85 Broad Street, New York, New York 10004, Attention: Principal
        Finance Group/Christopher M. Gething, and (b) in the case of the Indemnifying
        Party: [______________], [Address], Attention: [____________].

       

      Section 4.06 Submission
        To Jurisdiction; Waivers.
        The
        Indemnifying Party hereby irrevocably and unconditionally:

       

      (A) SUBMITS
        FOR ITSELF AND ITS PROPERTY IN ANY LEGAL ACTION OR PROCEEDING RELATING TO
        THIS
        AGREEMENT, OR FOR RECOGNITION AND ENFORCEMENT OF ANY JUDGMENT IN RESPECT
        THEREOF, TO THE NON-EXCLUSIVE GENERAL JURISDICTION OF THE COURTS OF THE STATE
        OF
        NEW YORK, THE FEDERAL COURTS OF THE UNITED STATES OF AMERICA FOR THE SOUTHERN
        DISTRICT OF NEW YORK, AND APPELLATE COURTS FROM ANY THEREOF;

       

      (B) CONSENTS
        THAT ANY SUCH ACTION OR PROCEEDING MAY BE BROUGHT IN SUCH COURTS AND, TO
        THE
        EXTENT PERMITTED BY LAW, WAIVES ANY OBJECTION THAT IT MAY NOW OR HEREAFTER
        HAVE
        TO THE VENUE OF ANY SUCH ACTION OR PROCEEDING IN ANY SUCH COURT OR THAT SUCH
        ACTION OR PROCEEDING WAS BROUGHT IN AN INCONVENIENT COURT AND AGREES NOT
        TO
        PLEAD OR CLAIM THE SAME;

       

      (C) AGREES
        THAT SERVICE OF PROCESS IN ANY SUCH ACTION OR PROCEEDING MAY BE EFFECTED
        BY
        MAILING A COPY THEREOF BY REGISTERED OR CERTIFIED MAIL (OR ANY SUBSTANTIALLY
        SIMILAR FORM OF MAIL), POSTAGE PREPAID, TO ITS ADDRESS SET FORTH HEREIN OR
        AT
        SUCH OTHER ADDRESS OF WHICH THE DEPOSITOR SHALL HAVE BEEN NOTIFIED;
        AND

       

      (D) AGREES
        THAT NOTHING HEREIN SHALL AFFECT THE RIGHT TO EFFECT SERVICE OF PROCESS IN
        ANY
        OTHER MANNER PERMITTED BY LAW OR SHALL LIMIT THE RIGHT TO SUE IN ANY OTHER
        JURISDICTION.

       

      [SIGNATURE
        PAGE FOLLOWS]

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

       

      IN
        WITNESS WHEREOF, the parties have executed this Agreement by their duly
        authorized officers as of the date first above written.

       

      

      
        	 	 	 	 	 	 	 	
                GS
                  MORTGAGE SECURITIES CORP.

              
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
                By:

              	 
	 	 	 	 	 	 	 	
                Name:

              	 
	 	 	 	 	 	 	 	
                Title:

              	 

      

       

      

      
        	 	 	 	 	 	 	 	
                [INDEMNIFYING
                  PARTY]

              
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
                By:

              	 
	 	 	 	 	 	 	 	
                Name:

              	 
	 	 	 	 	 	 	 	
                Title:

              	 

      

       

      

      

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

    

     

    

      ASSIGNMENT
        AND RECOGNITION AGREEMENT

      

       

      THIS
        ASSIGNMENT AND RECOGNITION AGREEMENT, dated February 28, 2007 (“Agreement”),
        among
        Goldman Sachs Mortgage Company (the “Assignor”),
        GS
        Mortgage Securities Corp. (the “Assignee”)
        and
        New Century Mortgage Corporation (the “Company”):

       

      For
        and
        in consideration of the sum of TEN DOLLARS ($10.00) and other valuable
        consideration the receipt and sufficiency of which hereby are acknowledged,
        and
        of the mutual covenants herein contained, the parties hereto hereby agree
        as
        follows:

       

      Assignment
        and Conveyance

       

      1.  The
        Assignor hereby conveys, sells, grants, transfers and assigns to the Assignee
        (x) all of the right, title and interest of the Assignor, as purchaser, in,
        to
        and under (a) those certain Mortgage Loans listed on the schedule (the
“Mortgage
        Loan Schedule”)
        attached hereto as Exhibit A (the “Mortgage
        Loans”)
        including, without limitation, interest and principal payments after February
        1,
        2007 and (b) except as described below, that certain Flow Mortgage Loan Purchase
        and Warranties Agreement, dated as of March 1, 2006 (the “Purchase
        Agreement”),
        between the Assignor, as purchaser (the “Purchaser”),
        and
        the Company, as seller, solely insofar as the Purchase Agreement relates
        to the
        Mortgage Loans and (y) other than as provided below with respect to the
        enforcement of representations and warranties, none of the obligations of
        the
        Assignor under the Purchase Agreement. The Assignor hereby agrees that it
        will
        (i) deliver possession of notes evidencing the Mortgage Loans to, or at the
        direction of, the Assignee or its designee and (ii) take in a timely manner
        all
        necessary steps under all applicable laws to convey and to perfect the
        conveyance of the Mortgage Loans as required under the Pooling Agreement
        (as
        defined below).

       

      The
        Assignor specifically reserves and does not assign to the Assignee hereunder
        (i)
        any and all right, title and interest in, to and under and any obligations
        of
        the Assignor with respect to any mortgage loans subject to the Purchase
        Agreement that are not the Mortgage Loans set forth on the Mortgage Loan
        Schedule and are not the subject of this Agreement or (ii) the rights of
        the
        Purchaser under Section 13 and Subsection 14.01 of the Purchase
        Agreement.

       

      Recognition
        of the Company

       

      2. From
        and
        after the date hereof (the “Securitization
        Closing Date”),
        the
        Company shall and does hereby recognize that the Assignee will transfer the
        Mortgage Loans and assign its rights under the Purchase Agreement (solely
        to the
        extent set forth herein) and this Agreement to GSAA Home Equity Trust 2007-S1
        (the “Trust”)
        created pursuant to a Pooling and Servicing Agreement, dated as of February
        1,
        2007 (the “Pooling
        Agreement”),
        among
        the Assignee, Deutsche Bank National Trust Company, as trustee (including
        its
        successors in interest and any successor trustees under the
        Pooling Agreement, the “Trustee”),
        Specialized
        Loan Servicing, LLC, as a servicer, (including its successors in interest
        and
        any successor servicers under the Pooling Agreement, “SLS”),
        Ocwen
        Loan Servicing, LLC, as a servicer (including its successors in interest
        and any
        successor servicers under the Pooling Agreement, “Ocwen”),
        Avelo
        Mortgage, L.L.C. (including its successors in interest and any successor
        servicers under the Pooling Agreement, “Avelo”
and
        Avelo collectively with SLS and Ocwen, the “Servicers”),
        Wells
        Fargo Bank, N.A., as master servicer (including
        its successors in interest and any successor master servicers under the
        Pooling Agreement, the “Master
        Servicer”)
        and
        U.S. Bank National Association, as a custodian (including its successors
        in
        interest and any successor custodian of the Mortgage Loans under the Pooling
        Agreement, the “Custodian”).
        The
        Company hereby acknowledges and agrees that from and after the date hereof
        (i)
        the Trust will be the owner of the Mortgage Loans, (ii) the Company shall
        look
        solely to the Trust (including the Trustee, the Custodian, the Master Servicer
        and the Servicers acting on the Trust’s behalf) for performance of any
        obligations of the Assignor insofar as they relate to the enforcement of
        the
        representations, warranties and covenants with respect to the Mortgage Loans,
        (iii) the Trust (including the Trustee, the Custodian, the Master Servicer
        and
        the Servicers acting on the Trust’s behalf) shall have all the rights and
        remedies available to the Assignor, insofar as they relate to the Mortgage
        Loans, under the Purchase Agreement, including, without limitation, the
        enforcement of the document delivery requirements set forth in Subsection
        6.03
        of the Purchase Agreement, and shall be entitled to enforce all of the
        obligations of the Company thereunder insofar as they relate to the Mortgage
        Loans, including without limitation, the remedies for breaches of
        representations and warranties set forth in Subsection 9.03 of the Purchase
        Agreement, and (iv) all references to the Purchaser (insofar as they relate
        to
        the rights, title and interest and, with respect to obligations of the
        Purchaser, only insofar as they relate to the enforcement of the
        representations, warranties and covenants of the Company) under the Purchase
        Agreement insofar as they relate to the Mortgage Loans, shall be deemed to
        refer
        to the Trust (including the Trustee, the Custodian, the Master Servicer and
        the
        Servicers acting on the Trust’s behalf). Neither the Company nor the Assignor
        shall amend or agree to amend, modify, waiver, or otherwise alter any of
        the
        terms or provisions of the Purchase Agreement which amendment,
        modification, waiver or other alteration would in any way affect the Mortgage
        Loans or the Company’s performance under the Purchase Agreement with respect to
        the Mortgage Loans without the prior written consent of the Trustee and the
        Certificate Insurer.

       

      Representations
        and Warranties of the Company

       

      3. The
        Company warrants and represents to the Assignor, the Assignee and the Trust
        as
        of the date hereof that:

       

      (a)  The
        Company is duly organized, validly existing and in good standing under the
        laws
        of the jurisdiction of its formation;

       

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

       

      (c)  No
        consent, approval, order or authorization of, or declaration, filing or
        registration with, any governmental entity is required to be obtained or
        made by
        the Company in connection with the execution, delivery or performance by
        the
        Company of this Agreement or if required, such approval has been obtained;
        and

       

      (d)  There
        is
        no action, suit, proceeding or investigation pending or threatened against
        the
        Company, before any court, administrative agency or other tribunal, which
        would
        draw into question the validity of this Agreement or the Purchase Agreement,
        or
        which, either in any one instance or in the aggregate, is likely to result
        in
        any material adverse change in the ability of the Company to perform its
        obligations under this Agreement or the Purchase Agreement, and the Company
        is
        solvent.

       

      4. Pursuant
        to Section 13 of the Purchase Agreement, the Company hereby represents and
        warrants, for the benefit of the Assignor, the Assignee and the Trust, that
        (i)
        the representations and warranties set forth in Subsection 9.01 of the Purchase
        Agreement are true and correct as of the date hereof as if such representations
        and warranties were made on the date hereof; (ii) the representations and
        warranties set forth in Subsection 9.02 (other than the representations and
        warranties set forth in Subsection 9.02(b), (q) and (hh) of the Purchase
        Agreement) of the Purchase Agreement are true and correct, with respect to
        each
        Mortgage Loan, as of the date hereof as if such representations and warranties
        were made on the date hereof; (iii) the representations and warranties set
        forth
        in Subsection 9.02(b) and Subsection 9.02(q) of the Purchase Agreement are
        true
        and correct, with respect to each Mortgage Loan, as of the Closing Date (as
        defined in the Purchase Agreement); and (iv) the representations and warranties
        set forth in Subsection 9.02(hh) of the Purchase Agreement are made to the
        best
        of the Company’s knowledge.

       

      Remedies
        for Breach of Representations and Warranties of the Company 

       

      5. The
        Company hereby acknowledges and agrees that the remedies available to the
        Assignor, the Assignee and the Trust (including the Trustee, the Custodian,
        the
        Master Servicer and the Servicers on the Trust’s behalf) in connection with any
        breach of the representations and warranties made by the Company set forth
        in
        Sections 3 and 4 hereof shall be as set forth in Subsection 9.03 of the Purchase
        Agreement as if they were set forth herein (including without limitation
        the
        repurchase and indemnity obligations set forth therein).

       

      6. [Reserved].

       

      Representations
        and Warranties of the Assignor

       

      7. The
        Assignor warrants and represents to the Assignee and the Trust (including
        the
        Trustee, the Custodian, the Master Servicer and the Servicers on the Trust’s
        behalf) as of the date hereof that, with respect to each Mortgage
        Loan:

       

      (a)  The
        Assignor is the sole owner of record and holder of the Mortgage Loan and
        the
        indebtedness evidenced by each Mortgage Note. The Mortgage Loan is not assigned
        or pledged, and the Assignor has good, indefeasible and marketable title
        thereto, and has full right to transfer and sell the Mortgage Loan to the
        Assignee free and clear of any encumbrance, equity, participation interest,
        lien, pledge, charge, claim or security interest, and has full right and
        authority subject to no interest or participation of, or agreement with,
        any
        other party, to sell and assign each Mortgage Loan pursuant to this Agreement
        and following the sale of each Mortgage Loan, the Assignee will own such
        Mortgage Loan free and clear of any encumbrance, equity, participation interest,
        lien, pledge, charge, claim or security interest. The Assignor intends to
        relinquish all rights to possess, control and monitor the Mortgage
        Loan;

       

      (b)  The
        Assignor has not waived the performance by the Mortgagor of any action, if
        the
        Mortgagor’s failure to perform such action would cause the Mortgage Loan to be
        in default, nor has the Company waived any default resulting from any action
        or
        inaction by the Mortgagor;

       

      (c)  Any
        and
        all requirements of any federal, state or local law including, without
        limitation, usury, truth-in-lending, real estate settlement procedures, consumer
        credit protection, equal credit opportunity and disclosure laws, all applicable
        predatory and abusive lending laws or unfair and deceptive practices applicable
        to the Mortgage Loan, including, without limitation, any provisions related
        to
        Prepayment Penalties, have been complied with, the consummation of the
        transactions contemplated hereby will not involve the violation of any such
        laws
        or regulations;

       

      (d)  No
        Mortgage Loan is a High Cost or Covered Loan, as applicable, and no Mortgage
        Loan originated on or after October 1, 2002 through March 6, 2003 is governed
        by
        the Georgia Fair Lending Act. For the purposes of this Section 7(d) the
        following definitions shall apply:

       

      (i)  Covered
        Loan:
        A
        Mortgage Loan categorized as Covered pursuant to Appendix E of Standard &
Poor’s Glossary.

       

      (ii)  Home
        Loan:
        A
        Mortgage Loan categorized as a Home Loan pursuant to Appendix E of Standard
        & Poor’s Glossary.

       

      (iii)  Standard
        & Poor’s Glossary:
        The
        Standard & Poor’s Glossary for File Format for LEVELS® Version 5.7, Appendix
        E, as revised from time to time.

       

      (iv)  High
        Cost Loan:
        A
        Mortgage Loan classified as (a) a “high cost” loan under the Home Ownership and
        Equity Protection Act of 1994, (b) a “high cost home,” “threshold,” “covered,”
(excluding New Jersey “Covered Home Loans” as that term is defined in clause (1)
        of the definition of that term in the New Jersey Home Ownership Security
        Act of
        2002), “high risk home,” “predatory” or similar loan under any other applicable
        state, federal or local law (or a similarly classified loan using different
        terminology under a law imposing heightened regulatory scrutiny or additional
        legal liability for residential mortgage loans having high interest rates,
        points and/or fees) or (c) a Mortgage Loan categorized as High Cost pursuant
        to
        the then-current Appendix E of Standard & Poor’s Glossary;

       

      (e)  
        None of
        the Mortgage Loans has a Prepayment Penalty period in excess of five years;
        and

       

      (f)  Bring
        Down.
        Nothing
        has occurred or failed to occur from and after the Closing Date set forth
        in
        such Purchase Agreement to the Securitization Closing Date that would cause
        any
        of the representations and warranties relating to the applicable Mortgage
        Loans
        set forth in Subsection 9.02(b) and Subsection 9.02(q) of such Purchase
        Agreement to be incorrect in any material respects as of the date hereof
        as if
        made on the date hereof.

       

      Remedies
        for Breach of Representations and Warranties of the Assignor

       

      8. The
        Assignor hereby acknowledges and agrees that in the event of any breach of
        any
        of the representations and warranties with respect to any Mortgage Loan made
        by
        the Assignor set forth in Section 7 hereof that materially and adversely
        affects
        the value of such Mortgage Loan or the interest of the Assignee or the Trust
        therein and such breach is not cured by the Assignor, it shall, subject to
        the
        substitution provisions set in forth in Section 9 hereof, purchase or cause
        the
        purchase of the applicable Mortgage Loan at the Repurchase Price (as defined
        in
        the Pooling Agreement) within 60 days of the earlier of either discovery
        by or
        notice to the Assignor of such breach of a representation or warranty. It
        is
        understood and agreed that the obligation of the Assignor set forth herein
        to
        cure, repurchase or substitute for a Mortgage Loan in breach of a representation
        or warranty contained in Section 7 hereof constitutes the sole remedy of
        the
        Trust or any other person or entity against the Assignor with respect to
        such
        breach.

       

      Substitution
        Obligation for Breach of a Representation or Warranty

       

      9. The
        Assignor hereby acknowledges and agrees that if the Assignor discovers or
        receives notice of any breach of any of the representations and warranties
        made
        by the Assignor pursuant to Section 7 hereof within two years of the
        Securitization Closing Date, the Assignor shall, at the Trust’s option, and
        provided that the Assignor has a Substitute Mortgage Loan (as defined below),
        rather than repurchase such Mortgage Loan as provided above, remove such
        Mortgage Loan and substitute in its place a Substitute Mortgage Loan or Mortgage
        Loans, provided that any such substitution shall be effected not later than
        two
        years after the Securitization Closing Date. If the Assignor has no Substitute
        Mortgage Loan, the Assignor shall, if such breach is not cured, repurchase
        the
        deficient Mortgage Loan. Any repurchase of a Mortgage Loan or Mortgage Loans
        pursuant to the foregoing provisions shall be accomplished by direct remittance
        of the applicable repurchase price to the Trust or its designee in accordance
        with the Trust’s instructions.

       

      At
        the
        time of substitution, the Assignor shall arrange for the reassignment of
        the
        deleted Mortgage Loan to the Trust and the delivery to the Trust of any
        documents held by the Trustee relating to the deleted Mortgage Loan. In the
        event of a substitution, the Assignor shall (i) simultaneously with such
        reassignment, give written notice to the Trust that such substitution has
        taken
        place, (ii) amend or cooperate with the Trust in amending the applicable
        Mortgage Loan Schedule to reflect the withdrawal of the deleted Mortgage
        Loan
        and (iii) identify a Substitute Mortgage Loan and amend or cooperate with
        the
        Trust in amending the applicable Mortgage Loan Schedule to reflect the addition
        of such Substitute Mortgage Loan. In connection with any such substitution,
        the
        Assignor shall be deemed to have made as to such Substitute Mortgage Loan
        the
        representations and warranties set forth in Section 7 of this Agreement as
        of
        the date of such substitution. The Assignor shall effect such substitution
        by
        delivering to the Trustee or to its designee the documents required by the
        Pooling Agreement, with the Mortgage Note endorsed as required by the Pooling
        Agreement. No substitution will be made in any calendar month after the initial
        determination date for such month. The Assignor shall remit directly to the
        Trust or its designee in accordance with the Trust’s instructions, the monthly
        payment less the servicing fee due, if any, on such Substitute Mortgage Loan
        or
        Mortgage Loans in the month following the date of such substitution. Monthly
        payments due with respect to Substitute Mortgage Loans in the month of
        substitution shall be retained by the Assignor. For the month of substitution,
        distributions to the Trust shall include the monthly payment due on any deleted
        Mortgage Loan in the month of substitution, and the Assignor shall thereafter
        be
        entitled to retain all amounts subsequently received by the Assignor in respect
        of such deleted Mortgage Loan.

       

      For
        any
        month in which the Assignor substitutes a Substitute Mortgage Loan for a
        deleted
        Mortgage Loan, the Trust shall determine the amount (if any) by which the
        aggregate principal balance of all Substitute Mortgage Loans as of the date
        of
        substitution is less than the aggregate stated principal balance of all deleted
        Mortgage Loans (after application of scheduled principal payments due in
        the
        month of substitution). The amount of such shortfall shall be distributed
        by the
        Assignor directly to the Trust or its designee in accordance with the Trust’s
        instructions within two (2) business days of such substitution.

       

      Any
        cause
        of action against the Assignor relating to or arising out of the breach of
        any
        representations and warranties made in Section 7 hereof shall accrue as to
        any
        Mortgage Loan upon (i) discovery of such breach by the Trust or notice thereof
        by the Assignor to the Trust, (ii) failure by the Assignor to cure such breach,
        repurchase such Mortgage Loan or substitute a Substitute Mortgage Loan as
        specified above, and (iii) demand upon the Assignor by the Trust for compliance
        with this Agreement.

       

      A
        Substitute Mortgage Loan (“Substitute
        Mortgage Loan”)
        is a
        mortgage loan eligible to be substituted by the Assignor for a deleted Mortgage
        Loan which must, on the date of such substitution, (i) have an outstanding
        principal balance, after deduction of all scheduled payments due in the month
        of
        substitution (or in the case of a substitution of more than one mortgage
        loan
        for a deleted Mortgage Loan, an aggregate principal balance), not in excess
        of
        the outstanding principal balance of the deleted Mortgage Loan (the amount
        of
        any shortfall will be paid by the Assignor to the Trust or its designee in
        the
        month of substitution); (ii) have a mortgage interest rate not less than,
        and
        not more than 1% greater than, the mortgage interest rate of the deleted
        Mortgage Loan; (iii) have a remaining term to maturity not greater than,
        and not
        more than one year less than, that of the deleted Mortgage Loan (iv) be of
        the
        same type as the deleted Mortgage Loan (i.e., fixed rate or adjustable rate
        with
        same Periodic Mortgage Interest Rate Cap and Index); and (v) comply with
        each
        representation and warranty (respecting individual Mortgage Loans) set forth
        in
        Section 7 hereof.

       

      Miscellaneous

       

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

       

      11. No
        term
        or provision of this Agreement may be waived or modified unless such waiver
        or
        modification is in writing and signed by the party against whom such waiver
        or
        modification is sought to be enforced, with the prior written consent of
        the
        Trustee and the Certificate Insurer.

       

      12. This
        Agreement shall inure to the benefit of (i) the successors and assigns of
        the
        parties hereto; (ii) the Trust (including the Trustee, the Custodian, the
        Master
        Servicer and the Servicers acting on the Trust’s behalf) and (iii) the
        Certificate Insurer. Any entity into which the Assignor, Assignee or Company
        may
        be merged or consolidated shall, without the requirement for any further
        writing, be deemed Assignor, Assignee or Company, respectively,
        hereunder.

       

      13. Each
        of
        this Agreement and the Purchase Agreement shall survive the conveyance of
        the
        Mortgage Loans and the assignment of the Purchase Agreement (to the extent
        assigned hereunder) by the Assignor to the Assignee and by Assignee to the
        Trust
        and nothing contained herein shall supersede or amend the terms of the Purchase
        Agreement.

       

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

       

      15. In
        the
        event that any provision of this Agreement conflicts with any provision of
        the
        Purchase Agreement with respect to the Mortgage Loans, the terms of this
        Agreement shall control.

       

      16. Capitalized
        terms used in this Agreement (including the exhibits hereto) but not defined
        in
        this Agreement shall have the meanings given to such terms in the Purchase
        Agreement.

       

      [SIGNATURE
        PAGE FOLLOWS]

      

       

      

 

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

       

      IN
        WITNESS WHEREOF, the parties have caused this Agreement to be executed by
        their
        duly authorized officers as of the date first above written.

       

      

      
        	 	 	 	 	 	 	
                GS
                  MORTGAGE SECURITIES CORP.

              
	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	
                By:

              	 
	 	 	 	 	 	 	
                Name:

              	
                Michelle
                  Gill

              
	 	 	 	 	 	 	
                Title:

              	
                Vice
                  President

              
	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	
                GOLDMAN
                  SACHS MORTGAGE COMPANY,

                a
                  New York limited partnership

              
	 	 	 	 	 	 	 
	 	 	 	 	 	 	
                By:

              	
                GOLDMAN
                  SACHS REAL ESTATE FUNDING CORP., a New York corporation, its general
                  partner

              
	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	
                By:

              	 
	 	 	 	 	 	 	
                Name:

              	 
	 	 	 	 	 	 	
                Title:

              	 
	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	
                NEW
                  CENTURY MORTGAGE CORPORATION

              
	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	
                By:

              	 
	 	 	 	 	 	 	
                Name:

              	 
	 	 	 	 	 	 	
                Title:

              	 

      

       

      

      

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

      EXHIBIT
        A

       

      Mortgage
        Loan Schedule

       

       

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

    

     

     

    EXHIBIT
      R

     

    SERVICING
      CRITERIA TO BE ADDRESSED

    IN
      ASSESSMENT OF COMPLIANCE

     

    Key:

    X
      -
      obligation

    [X]
      - under
      consideration for obligation

    Where
      there are multiple checks for criteria the attesting party will identify in
      their management assertion that they are attesting only to the portion of the
      distribution chain they are responsible for in the related transaction
      agreements.

    

    
      	
              Reg
                AB Reference

            	
              Servicing
                Criteria

            	
              Servicer

            	
              Trustee

            	
              Master
                Servicer

            	
              Custodian

            
	
              1122(d)(1)(i)

            	
              Policies
                and procedures are instituted to monitor any performance or other
                triggers
                and events of default in accordance with the transaction
                agreements.

            	
              X

            	
              X

            	
               

            	
               

            
	
              1122(d)(1)(ii)

            	
              If
                any material servicing activities are outsourced to third parties,
                policies and procedures are instituted to monitor the third party’s
                performance and compliance with such servicing activities.

            	
              X

            	
              X

            	
               

            	
               

            
	
              1122(d)(1)(iii)

            	
              Any
                requirements in the transaction agreements to maintain a back-up
                servicer
                for the Pool Assets are maintained.

            	
               

            	
               

            	
               

            	
               

            
	
              1122(d)(1)(iv)

            	
              A
                fidelity bond and errors and omissions policy is in effect on the
                party
                participating in the servicing function throughout the reporting
                period in
                the amount of coverage required by and otherwise in accordance with
                the
                terms of the transaction agreements.

            	
              X

            	
               

            	
              X

            	
               

            
	
               

            	
              Cash
                Collection and Administration

            	
               

            	
               

            	
               

            	
               

            
	
              1122(d)(2)(i)

            	
              Payments
                on pool assets are deposited into the appropriate custodial bank
                accounts
                and related bank clearing accounts no more than two business days
                following receipt, or such other number of days specified in the
                transaction agreements.

            	
              X

            	
               

            	
              X

            	
               

            
	
              1122(d)(2)(ii)

            	
              Disbursements
                made via wire transfer on behalf of an obligor or to an investor
                are made
                only by authorized personnel.

            	
              X

            	
              X

            	
              X

            	
               

            
	
              1122(d)(2)(iii)

            	
              Advances
                of funds or guarantees regarding collections, cash flows or distributions,
                and any interest or other fees charged for such advances, are made,
                reviewed and approved as specified in the transaction
                agreements.

            	
              X

            	
               

            	
              X

            	
               

            
	
              1122(d)(2)(iv)

            	
              The
                related accounts for the transaction, such as cash reserve accounts
                or
                accounts established as a form of over collateralization, are separately
                maintained (e.g., with respect to commingling of cash) as set forth
                in the
                transaction agreements.

            	
              X

            	
              X

            	
              X

            	
               

            
	
              1122(d)(2)(v)

            	
              Each
                custodial account is maintained at a federally insured depository
                institution as set forth in the transaction agreements. For purposes
                of
                this criterion, “federally insured depository institution” with respect to
                a foreign financial institution means a foreign financial institution
                that
                meets the requirements of Rule 13k-1(b)(1) of the Securities Exchange
                Act.

            	
              X

            	
              X

            	
              X

            	
               

            
	
              1122(d)(2)(vi)

            	
              Unissued
                checks are safeguarded so as to prevent unauthorized
                access.

            	
              X

            	
              X

            	
              X

            	
               

            
	
              1122(d)(2)(vii)

            	
              Reconciliations
                are prepared on a monthly basis for all asset-backed securities related
                bank accounts, including custodial accounts and related bank clearing
                accounts. These reconciliations are (A) mathematically accurate;
                (B)
                prepared within 30 calendar days after the bank statement cutoff
                date, or
                such other number of days specified in the transaction agreements;
                (C)
                reviewed and approved by someone other than the person who prepared
                the
                reconciliation; and (D) contain explanations for reconciling items.
                These
                reconciling items are resolved within 90 calendar days of their original
                identification, or such other number of days specified in the transaction
                agreements.

            	
              X

            	
              X

            	
              X

            	
               

            
	
               

            	
              Investor
                Remittances and Reporting

            	
               

            	
               

            	
               

            	
               

            
	
              1122(d)(3)(i)

            	
              Reports
                to investors, including those to be filed with the Commission, are
                maintained in accordance with the transaction agreements and applicable
                Commission requirements. Specifically, such reports (A) are prepared
                in
                accordance with timeframes and other terms set forth in the transaction
                agreements; (B) provide information calculated in accordance with
                the
                terms specified in the transaction agreements; (C) are filed with
                the
                Commission as required by its rules and regulations; and (D) agree
                with
                investors’ or the trustee’s records as to the total unpaid principal
                balance and number of Pool Assets serviced by the
                Servicer.

            	
              X

            	
              X

            	
              X

            	
               

            
	
              1122(d)(3)(ii)

            	
              Amounts
                due to investors are allocated and remitted in accordance with timeframes,
                distribution priority and other terms set forth in the transaction
                agreements.

            	
              X

            	
              X

            	
              X

            	
               

            
	
              1122(d)(3)(iii)

            	
              Disbursements
                made to an investor are posted within two business days to the Servicer’s
                investor records, or such other number of days specified in the
                transaction agreements.

            	
              X

            	
              X

            	
              X

            	
               

            
	
              1122(d)(3)(iv)

            	
              Amounts
                remitted to investors per the investor reports agree with cancelled
                checks, or other form of payment, or custodial bank
                statements.

            	
              X

            	
              X

            	
              X

            	
               

            
	
               

            	
              Pool
                Asset Administration

            	
               

            	
               

            	
               

            	
               

            
	
              1122(d)(4)(i)

            	
              Collateral
                or security on pool assets is maintained as required by the transaction
                agreements or related pool asset documents.

            	
              X

            	
              X

            	
               

            	
              X

            
	
              1122(d)(4)(ii)

            	
              Pool
                assets and related documents are safeguarded as required by the
                transaction agreements

            	
              X

            	
              X

            	
               

            	
              X

            
	
              1122(d)(4)(iii)

            	
              Any
                additions, removals or substitutions to the asset pool are made,
                reviewed
                and approved in accordance with any conditions or requirements in
                the
                transaction agreements.

            	
              X

            	
              X

            	
               

            	
               

            
	
              1122(d)(4)(iv)

            	
              Payments
                on pool assets, including any payoffs, made in accordance with the
                related
                pool asset documents are posted to the Servicer’s obligor records
                maintained no more than two business days after receipt, or such
                other
                number of days specified in the transaction agreements, and allocated
                to
                principal, interest or other items (e.g., escrow) in accordance with
                the
                related pool asset documents.

            	
              X

            	
               

            	
               

            	
               

            
	
              1122(d)(4)(v)

            	
              The
                Servicer’s records regarding the pool assets agree with the Servicer’s
                records with respect to an obligor’s unpaid principal
                balance.

            	
              X

            	
               

            	
               

            	
               

            
	
              1122(d)(4)(vi)

            	
              Changes
                with respect to the terms or status of an obligor’s pool assets (e.g.,
                loan modifications or re-agings) are made, reviewed and approved
                by
                authorized personnel in accordance with the transaction agreements
                and
                related pool asset documents.

            	
              X

            	
               

            	
               

            	
               

            
	
              1122(d)(4)(vii)

            	
              Loss
                mitigation or recovery actions (e.g., forbearance plans, modifications
                and
                deeds in lieu of foreclosure, foreclosures and repossessions, as
                applicable) are initiated, conducted and concluded in accordance
                with the
                timeframes or other requirements established by the transaction
                agreements.

            	
              X

            	
               

            	
               

            	
               

            
	
              1122(d)(4)(viii)

            	
              Records
                documenting collection efforts are maintained during the period a
                pool
                asset is delinquent in accordance with the transaction agreements.
                Such
                records are maintained on at least a monthly basis, or such other
                period
                specified in the transaction agreements, and describe the entity’s
                activities in monitoring delinquent pool assets including, for example,
                phone calls, letters and payment rescheduling plans in cases where
                delinquency is deemed temporary (e.g., illness or
                unemployment).

            	
              X

            	
               

            	
               

            	
               

            
	
              1122(d)(4)(ix)

            	
              Adjustments
                to interest rates or rates of return for pool assets with variable
                rates
                are computed based on the related pool asset documents.

            	
              X

            	
               

            	
               

            	
               

            
	
              1122(d)(4)(x)

            	
              Regarding
                any funds held in trust for an obligor (such as escrow accounts):
                (A) such
                funds are analyzed, in accordance with the obligor’s pool asset documents,
                on at least an annual basis, or such other period specified in the
                transaction agreements; (B) interest on such funds is paid, or credited,
                to obligors in accordance with applicable pool asset documents and
                state
                laws; and (C) such funds are returned to the obligor within 30 calendar
                days of full repayment of the related pool assets, or such other
                number of
                days specified in the transaction agreements.

            	
              X

            	
               

            	
               

            	
               

            
	
              1122(d)(4)(xi)

            	
              Payments
                made on behalf of an obligor (such as tax or insurance payments)
                are made
                on or before the related penalty or expiration dates, as indicated
                on the
                appropriate bills or notices for such payments, provided that such
                support
                has been received by the servicer at least 30 calendar days prior
                to these
                dates, or such other number of days specified in the transaction
                agreements.

            	
              X

            	
               

            	
               

            	
               

            
	
              1122(d)(4)(xii)

            	
              Any
                late payment penalties in connection with any payment to be made
                on behalf
                of an obligor are paid from the Servicer’s funds and not charged to the
                obligor, unless the late payment was due to the obligor’s error or
                omission.

            	
              X

            	
               

            	
               

            	
               

            
	
              1122(d)(4)(xiii)

            	
              Disbursements
                made on behalf of an obligor are posted within two business days
                to the
                obligor’s records maintained by the servicer, or such other number of days
                specified in the transaction agreements.

            	
              X

            	
               

            	
               

            	
               

            
	
              1122(d)(4)(xiv)

            	
              Delinquencies,
                charge-offs and uncollectible accounts are recognized and recorded
                in
                accordance with the transaction agreements.

            	
              X

            	
               

            	
               

            	
               

            
	
              1122(d)(4)(xv)

            	
              Any
                external enhancement or other support, identified in Item 1114(a)(1)
                through (3) or Item 1115 of Regulation AB, is maintained as set forth
                in
                the transaction agreements.

            	
               

            	
              X

            	
               

            	
               

            

    

     

    EXHIBIT
      S

     

    FORM
      10-D, FORM 8-K AND FORM 10-K

    REPORTING
      RESPONSIBILITY

     

     

    As
      to
      each item described below, the entity indicated as the Responsible Party shall
      be primarily responsible for reporting the information to the Trustee pursuant
      to Section 8.12(a)(i), (ii) and (iii). If the Trustee is indicated below as
      to
      any item, then the Trustee is primarily responsible for obtaining that
      information.

     

    Under
      Item 1 of Form 10-D: a) items marked “4.04 statement” are required to be
      included in the periodic Distribution Date statement under Section 4.04,
      provided by the Trustee based on information received from the Servicer; and
      b)
      items marked “Form 10-D report” are required to be in the Form 10-D report but
      not the 4.04 statement, provided by the party indicated. Information under
      all
      other Items of Form 10-D is to be included in the Form 10-D report. Items
      indicated as “N/A” are not applicable to the transaction.

     

    

      
        	
                Form

              	
                Item

              	
                Description

              	
                Responsible
                  Party

              
	
                10-D

              	
                 

              	
                 

              	
                 

              
	
                 

              	
                1

              	
                Distribution
                  and Pool Performance Information

              	
                 

              
	
                 

              	
                 

              	
                Item
                  1121(a) - Distribution and Pool Performance
                  Information

              	
                 

              
	
                 

              	
                 

              	
                (1)
                  Any applicable record dates, accrual dates, determination dates
                  for
                  calculating distributions and actual distribution dates for the
                  distribution period.

              	
                4.04
                  statement

              
	
                 

              	
                 

              	
                (2)
                  Cash flows received and the sources thereof for distributions,
                  fees and
                  expenses.

              	
                4.04
                  statement

              
	
                 

              	
                 

              	
                (3)
                  Calculated amounts and distribution of the flow of funds for the
                  period
                  itemized by type and priority of payment, including:

              	
                4.04
                  statement

              
	
                 

              	
                 

              	
                (i)
                  Fees or expenses accrued and paid, with an identification of the
                  general
                  purpose of such fees and the party receiving such fees or
                  expenses.

              	
                4.04
                  statement

              
	
                 

              	
                 

              	
                (ii)
                  Payments accrued or paid with respect to enhancement or other support
                  identified in Item 1114 of Regulation AB (such as insurance premiums
                  or
                  other enhancement maintenance fees), with an identification of
                  the general
                  purpose of such payments and the party receiving such
                  payments.

              	
                N/A

              
	
                 

              	
                 

              	
                (iii)
                  Principal, interest and other distributions accrued and paid on
                  the
                  asset-backed securities by type and by class or series and any
                  principal
                  or interest shortfalls or carryovers.

              	
                4.04
                  statement

              
	
                 

              	
                 

              	
                (iv)
                  The amount of excess cash flow or excess spread and the disposition
                  of
                  excess cash flow.

              	
                4.04
                  statement

              
	
                 

              	
                 

              	
                (4)
                  Beginning and ending principal balances of the asset-backed
                  securities.

              	
                4.04
                  statement

              
	
                 

              	
                 

              	
                (5)
                  Interest rates applicable to the pool assets and the asset-backed
                  securities, as applicable. Consider providing interest rate information
                  for pool assets in appropriate distributional groups or incremental
                  ranges.

              	
                4.04
                  statement

              
	
                 

              	
                 

              	
                (6)
                  Beginning and ending balances of transaction accounts, such as
                  reserve
                  accounts, and material account activity during the period.

              	
                4.04
                  statement

              
	
                 

              	
                 

              	
                (7)
                  Any amounts drawn on any credit enhancement or other support identified
                  in
                  Item 1114 of Regulation AB, as applicable, and the amount of coverage
                  remaining under any such enhancement, if known and
                  applicable.

              	
                N/A

              
	
                 

              	
                 

              	
                (8)
                  Number and amount of pool assets at the beginning and ending of
                  each
                  period, and updated pool composition information, such as weighted
                  average
                  coupon, weighted average life, weighted average remaining term,
                  pool
                  factors and prepayment amounts.

              	
                4.04
                  statement

                Updated
                  pool composition information fields to be as specified by Depositor
                  from
                  time to time

              
	
                 

              	
                 

              	
                (9)
                  Delinquency and loss information for the period.

                In
                  addition, describe any material changes to the information specified
                  in
                  Item 1100(b)(5) of Regulation AB regarding the pool
                  assets.

              	
                4.04
                  statement.

                Form
                  10-D report: Sponsor

              
	
                 

              	
                 

              	
                (10)
                  Information on the amount, terms and general purpose of any advances
                  made
                  or reimbursed during the period, including the general use of funds
                  advanced and the general source of funds for
                  reimbursements.

              	
                4.04
                  statement

              
	
                 

              	
                 

              	
                (11)
                  Any material modifications, extensions or waivers to pool asset
                  terms,
                  fees, penalties or payments during the distribution period or that
                  have
                  cumulatively become material over time.

              	
                4.04
                  statement: Servicer

              
	
                 

              	
                 

              	
                (12)
                  Material breaches of pool asset representations or warranties or
                  transaction covenants.

              	
                Form
                  10-D report: Sponsor (subject to Depositor approval)

              
	
                 

              	
                 

              	
                (13)
                  Information on ratio, coverage or other tests used for determining
                  any
                  early amortization, liquidation or other performance trigger and
                  whether
                  the trigger was met.

              	
                4.04
                  statement

              
	
                 

              	
                 

              	
                (14)
                  Information regarding any new issuance of asset-backed securities
                  backed
                  by the same asset pool,

                [information
                  regarding] any pool asset changes (other than in connection with
                  a pool
                  asset converting into cash in accordance with its terms), such
                  as
                  additions or removals in connection with a prefunding or revolving
                  period
                  and pool asset substitutions and repurchases (and purchase rates,
                  if
                  applicable), and cash flows available for future purchases, such
                  as the
                  balances of any prefunding or revolving accounts, if
                  applicable.

                Disclose
                  any material changes in the solicitation, credit-granting, underwriting,
                  origination, acquisition or pool selection criteria or procedures,
                  as
                  applicable, used to originate, acquire or select the new pool
                  assets.

              	
                Form
                  10-D report: Depositor

                Form
                  10-D report: Servicer

                 

                Form
                  10-D report: Sponsor

              
	
                 

              	
                 

              	
                Item
                  1121(b) - Pre-Funding or Revolving Period Information

                Updated
                  pool information as required under Item 1121(b).

              	
                N/A

              
	
                 

              	
                2

              	
                Legal
                  Proceedings

              	
                 

              
	
                 

              	
                 

              	
                Item
                  1117 - Legal proceedings pending against the following entities,
                  or their
                  respective property, that is material to Certificateholders, including
                  proceedings known to be contemplated by governmental
                  authorities:

                 

                Sponsor
                  (Seller)

                 

                Depositor

                 

                Trustee

                 

                Issuing
                  entity

                 

                Servicer,
                  Subservicer or any other subservicer to which Servicer delegates
                  servicing
                  function to that is servicing 20% or more of pool assets at time
                  of
                  report

                 

                Originator
                  of 20% or more of pool assets as of the Cut-off Date

                 

                Master
                  Servicer

                 

                 

                Custodian

              	
                 

                 

                Sponsor

                 

                Depositor

                 

                Trustee

                 

                Depositor

                 

                 

                 

                Servicer

                 

                 

                Sponsor

                 

                Master
                  Servicer

                 

                Custodian

              
	
                 

              	
                3

              	
                Sales
                  of Securities and Use of Proceeds

              	
                 

              
	
                 

              	
                 

              	
                Information
                  from Item 2(a) of Part II of Form 10-Q:

                With
                  respect to any sale of securities by the sponsor, depositor or
                  issuing
                  entity, that are backed by the same asset pool or are otherwise
                  issued by
                  the issuing entity, whether or not registered, provide the sales
                  and use
                  of proceeds information in Item 701 of Regulation S-K. Pricing
                  information
                  can be omitted if securities were not registered.

              	
                Depositor

              
	
                 

              	
                4

              	
                Defaults
                  Upon Senior Securities

              	
                 

              
	
                 

              	
                 

              	
                Information
                  from Item 3 of Part II of Form 10-Q:

                Report
                  the occurrence of any Event of Default of which the Trustee has
                  received
                  written notice or has actual knowledge (after expiration of any
                  grace
                  period and provision of any required notice)

              	
                Trustee

              
	
                 

              	
                5

              	
                Submission
                  of Matters to a Vote of Security Holders

              	
                 

              
	
                 

              	
                 

              	
                Information
                  from Item 4 of Part II of Form 10-Q

              	
                Party
                  submitting matter to vote of Certificateholders

              
	
                 

              	
                6

              	
                Significant
                  Obligors of Pool Assets

              	
                 

              
	
                 

              	
                 

              	
                Item
                  1112(b) - Significant
                  Obligor Financial Information*

              	
                N/A

              
	
                 

              	
                 

              	
                *This
                  information need only be reported on the Form 10-D for the distribution
                  period in which updated information is required pursuant to the
                  Item.

              	
                 

              
	
                 

              	
                7

              	
                Significant
                  Enhancement Provider Information

              	
                 

              
	
                 

              	
                 

              	
                Item
                  1114(b)(2) - Credit Enhancement Provider Financial
                  Information*

                Determining
                  applicable disclosure threshold

                Obtaining
                  required financial information or effecting incorporation by
                  reference

              	
                N/A

              
	
                 

              	
                 

              	
                Item
                  1115(b) - Derivative Counterparty Financial Information*

                Determining
                  current maximum probable exposure

                Determining
                  current significance percentage

                Obtaining
                  required financial information or effecting incorporation by
                  reference

              	
                Depositor

              
	
                 

              	
                 

              	
                *This
                  information need only be reported on the Form 10-D for the distribution
                  period in which updated information is required pursuant to the
                  Items.

              	
                 

              
	
                 

              	
                8

              	
                Other
                  Information

              	
                 

              
	
                 

              	
                 

              	
                Disclose
                  any information required to be reported on Form 8-K during the
                  period
                  covered by the Form 10-D but not reported

              	
                The
                  Responsible Party for the applicable Form 8-K item as indicated
                  below

              
	
                 

              	
                9

              	
                Exhibits

              	
                 

              
	
                 

              	
                 

              	
                Distribution
                  report

              	
                Trustee

              
	
                 

              	
                 

              	
                Exhibits
                  required by Item 601 of Regulation S-K, such as material
                  agreements

              	
                Depositor

              
	
                8-K

              	
                 

              	
                 

              	
                 

              
	
                 

              	
                1.01

              	
                Entry
                  into a Material Definitive Agreement

              	
                 

              
	
                 

              	
                 

              	
                Disclosure
                  is required regarding entry into or amendment of any definitive
                  agreement
                  that is material to the securitization, even if depositor is not
                  a
                  party.

                Examples:
                  servicing agreement, custodial agreement.

                Note:
                  disclosure not required as to definitive agreements that are fully
                  disclosed in the prospectus

              	
                Any
                  of the following that is entering into a material definitive agreement:
                  Servicer, Master Servicer, Trustee, Sponsor, Depositor

              
	
                 

              	
                1.02

              	
                Termination
                  of a Material Definitive Agreement

              	
                 

              
	
                 

              	
                 

              	
                Disclosure
                  is required regarding termination of any definitive agreement that
                  is
                  material to the securitization (other than expiration in accordance
                  with
                  its terms), even if depositor is not a party.

                Examples:
                  servicing agreement, custodial agreement.

              	
                Any
                  of the following that is requesting termination of a material definitive
                  agreement: Servicer, Master Servicer, Trustee, Sponsor,
                  Depositor

              
	
                 

              	
                1.03

              	
                Bankruptcy
                  or Receivership

              	
                 

              
	
                 

              	
                 

              	
                Disclosure
                  is required regarding the bankruptcy or receivership, if known
                  to the
                  Depositor, with respect to any of the following:

                Sponsor
                  (Seller), Depositor, Servicer, affiliated Servicer, other Servicer
                  servicing 20% or more of pool assets at time of report, other material
                  servicers, Master Servicer, Trustee, significant obligor, credit
                  enhancer
                  (10% or more), derivatives counterparty, Custodian.

              	
                Any
                  of the following that is in bankruptcy or receivership: Servicer,
                  Master
                  Servicer, Trustee, Sponsor, Depositor, Custodian

              
	
                 

              	
                2.04

              	
                Triggering
                  Events that Accelerate or Increase a Direct Financial Obligation
                  or an
                  Obligation under an Off-Balance Sheet Arrangement

              	
                 

              
	
                 

              	
                 

              	
                Includes
                  an early amortization, performance trigger or other event, including
                  event
                  of default, that would materially alter the payment priority/distribution
                  of cash flows/amortization schedule.

                Disclosure
                  will be made of events other than waterfall triggers which are
                  disclosed
                  in the 4.04 statement

              	
                Trustee
                  or Depositor

              
	
                 

              	
                3.03

              	
                Material
                  Modification to Rights of Security Holders

              	
                 

              
	
                 

              	
                 

              	
                Disclosure
                  is required of any material modification to documents defining
                  the rights
                  of Certificateholders, including the Pooling and Servicing
                  Agreement

              	
                Party
                  requesting modification

              
	
                 

              	
                5.03

              	
                Amendments
                  to Articles of Incorporation or Bylaws; Change in Fiscal
                  Year

              	
                 

              
	
                 

              	
                 

              	
                Disclosure
                  is required of any amendment “to the governing documents of the issuing
                  entity”

              	
                Depositor

              
	
                 

              	
                5.06

              	
                Change
                  in Shell Company Status

              	
                 

              
	
                 

              	
                 

              	
                [Not
                  applicable to ABS issuers]

              	
                Depositor

              
	
                 

              	
                6.01

              	
                ABS
                  Informational and Computational Material

              	
                Depositor

              
	
                 

              	
                 

              	
                [Not
                  included in reports to be filed under Section 8.12]

              
	
                 

              	
                6.02

              	
                Change
                  of Servicer or Trustee

              
	
                 

              	
                 

              	
                Requires
                  disclosure of any removal, replacement, substitution or addition
                  of any
                  servicer, affiliated servicer, other servicer servicing 10% or
                  more of
                  pool assets at time of report, other material servicers, certificate
                  administrator or trustee. Reg AB disclosure about any new servicer
                  or
                  trustee is also required.

              	
                Trustee
                  or Servicer

              
	
                 

              	
                6.03

              	
                Change
                  in Credit Enhancement or Other External Support

              	
                 

              
	
                 

              	
                 

              	
                Covers
                  termination of any enhancement in manner other than by its terms,
                  the
                  addition of an enhancement, or a material change in the enhancement
                  provided. Applies to external credit enhancements as well as derivatives.
                  Reg AB disclosure about any new enhancement provider is also
                  required.

              	
                Depositor
                  or Trustee

              
	
                 

              	
                6.04

              	
                Failure
                  to Make a Required Distribution

              	
                Trustee

              
	
                 

              	
                6.05

              	
                Securities
                  Act Updating Disclosure

              	
                 

              
	
                 

              	
                 

              	
                If
                  any material pool characteristic differs by 5% or more at the time
                  of
                  issuance of the securities from the description in the final prospectus,
                  provide updated Reg AB disclosure about the actual asset
                  pool.

              	
                Depositor

              
	
                 

              	
                 

              	
                If
                  there are any new servicers or originators required to be disclosed
                  under
                  Regulation AB as a result of the foregoing, provide the information
                  called
                  for in Items 1108 and 1110 respectively.

              	
                Depositor

              
	
                 

              	
                7.01

              	
                Regulation
                  FD Disclosure

              	
                Depositor

              
	
                 

              	
                8.01

              	
                Other
                  Events

              	
                 

              
	
                 

              	
                 

              	
                Any
                  event, with respect to which information is not otherwise called
                  for in
                  Form 8-K, that the registrant deems of importance to security
                  holders.

              	
                Depositor

              
	
                 

              	
                9.01

              	
                Financial
                  Statements and Exhibits

              	
                The
                  Responsible Party applicable to reportable event

              
	
                10-K

              	
                 

              	
                 

              	
                 

              
	
                 

              	
                9B

              	
                Other
                  Information

              	
                 

              
	
                 

              	
                 

              	
                Disclose
                  any information required to be reported on Form 8-K during the
                  fourth
                  quarter covered by the Form 10-K but not reported

              	
                The
                  Responsible Party for the applicable Form 8-K item as indicated
                  above

              
	
                 

              	
                15

              	
                Exhibits
                  and Financial Statement Schedules

              	
                 

              
	
                 

              	
                 

              	
                Item
                  1112(b) - Significant
                  Obligor Financial Information

              	
                N/A

              
	
                 

              	
                 

              	
                Item
                  1114(b)(2) - Credit Enhancement Provider Financial
                  Information

                Determining
                  applicable disclosure threshold

                Obtaining
                  required financial information or effecting incorporation by
                  reference

              	
                N/A

              
	
                 

              	
                 

              	
                Item
                  1115(b) - Derivative Counterparty Financial Information

                Determining
                  current maximum probable exposure

                Determining
                  current significance percentage

                Obtaining
                  required financial information or effecting incorporation by
                  reference

              	
                Depositor

              
	
                 

              	
                 

              	
                Item
                  1117 - Legal proceedings pending against the following entities,
                  or their
                  respective property, that is material to Certificateholders, including
                  proceedings known to be contemplated by governmental
                  authorities:

                 

                Sponsor
                  (Seller)

                 

                Depositor

                 

                Trustee

                 

                Issuing
                  entity

                 

                Servicer,
                  Subservicer or any other subservicer to which Servicer delegates
                  servicing
                  function to that is servicing 20% or more of pool assets at time
                  of
                  report

                 

                Originator
                  of 20% or more of pool assets as of the Cut-off Date

                 

                Master
                  Servicer

                 

                 

                Custodian

              	
                 

                 

                Sponsor

                 

                Depositor

                 

                Trustee

                 

                Depositor

                 

                 

                 

                Servicer

                 

                 

                Sponsor

                 

                Master
                  Servicer

                 

                Custodian

              
	
                 

              	
                 

              	
                Item
                  1119 - Affiliations and relationships between the following entities,
                  or
                  their respective affiliates, that are material to
                  Certificateholders:

                 

                Sponsor
                  (Seller) - Goldman Sachs Mortgage Company

                 

                Depositor
                  - GS Mortgage Securities Corp.

                 

                Trustee
                  - Deutsche Bank National Trust Company

                 

                Servicer
                  (Ocwen Loan Servicing, LLC, Avelo Mortgage, L.L.C. and Specialized
                  Loan Servicing LLC),
                  Subservicer or any other subservicer to which Servicer delegates
                  servicing
                  function to that is servicing 20% or more of pool assets at time
                  of
                  report

                 

                Originator
                  - As identified on the Mortgage Loan Schedule

                 

                Counterparty
                  - Goldman Sachs Capital Markets, L.P.

                 

                Master
                  Servicer - Wells Fargo Bank, N.A.

                 

                Custodian
                  - U.S. Bank National Association

              	
                 

                 

                 

                Sponsor

                 

                Depositor

                 

                 

                Trustee

                 

                 

                Servicer

                 

                Sponsor

                 

                Depositor

                 

                Master
                  Servicer

                 

                Custodian

              
	
                 

              	
                 

              	
                Item
                  1122 - Assessment of Compliance with Servicing
                  Criteria

              	
                Each
                  Party participating in the servicing function

              
	
                 

              	
                 

              	
                Item
                  1123 - Servicer Compliance Statement

              	
                Servicer

              

      

    

    

    

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

    EXHIBIT
      T

     

    INTEREST
      RATE SWAP AGREEMENT

     

    

      (Multicurrency—Cross
        Border)

       

       

      ISDAÒ

      International
        Swap Dealers Association, Inc.

       

      MASTER
        AGREEMENT

       

      dated
        as
        of February 28, 2007

       

      

      
        	
                GOLDMAN
                  SACHS MITSUI MARINE 

                DERIVATIVE
                  PRODUCTS, L.P.

                 

                 

              	
                and

              	
                DEUTSCHE
                  BANK NATIONAL TRUST COMPANY, NOT IN ITS INDIVIDUAL CAPACITY BUT
                  SOLELY AS
                  SUPPLEMENTAL INTEREST TRUST TRUSTEE ON BEHALF OF THE SUPPLEMENTAL
                  INTEREST
                  TRUST WITH RESPECT TO THE MORTGAGE PASS-THROUGH CERTIFICATES, SERIES
                  2007-S1

              

      

      

      

      

       

      have
        entered and/or anticipate entering into one or more transactions (each a
        “Transaction”) that are or will be
        governed by this Master Agreement, which includes the schedule (the “Schedule”),
        and the documents and
        other
        confirming evidence (each a “Confirmation”) exchanged between the parties
        confirming those Transactions.

       

      Accordingly,
        the parties agree as follows:—

       

      1.  Interpretation

       

      (a)  Definitions.
        The
        terms defined in Section 14 and in the Schedule will have the meanings therein
        specified for the purpose of this Master Agreement.

       

      (b)  Inconsistency.
        In the
        event of any inconsistency between the provisions of the Schedule and the
        other
        provisions of this Master Agreement, the Schedule will prevail. In the event
        of
        any inconsistency between the provisions of any Confirmation and this Master
        Agreement (including the Schedule), such Confirmation will prevail for the
        purpose of the relevant Transaction.

       

      (c)  Single
        Agreement.
        All
        Transactions are entered into in reliance on the fact that this Master Agreement
        and all Confirmations form a single agreement between the parties (collectively
        referred to as this
        “Agreement”), and the parties would not otherwise enter into any
        Transactions.

       

      2.  Obligations

       

      (a)  General
        Conditions.

       

      (i)  Each
        party will make each payment or delivery specified in each Confirmation to
        be
        made by it, subject to the other provisions
        of this
        Agreement.

       

      (ii)  Payments
        under this Agreement will be made on the due date for value on that date
        in the
        place of
        the
        account specified in the relevant Confirmation or otherwise pursuant to this
        Agreement, in freely transferable funds and in the manner customary for payments
        in the required currency. Where
        settlement is by delivery (that is, other than by payment), such delivery
        will
        be made for
        receipt
        on the due date in the manner customary for the relevant obligation unless
        otherwise specified in the relevant Confirmation or elsewhere in this
        Agreement.

       

      (iii)  Each
        obligation of each party under Section 2(a)(i) is subject to (1) the condition
        precedent  that
        no
        Event of Default or Potential Event of Default with respect to the other
        party
        has occurred and
        is
        continuing, (2) the condition precedent that no Early Termination Date in
        respect of the relevant Transaction has occurred or been effectively designated
        and (3) each other applicable condition precedent specified in this
        Agreement.

      (b)  Change
        of Account.
        Either
        party may change its account for receiving a payment or delivery by giving
        notice to the other party at least five Local Business Days prior to the
        scheduled date for the payment or delivery to which such change applies unless
        such other party gives timely notice of a reasonable objection to such
        change.

       

      (c)  Netting.
        If on
        any date amounts would otherwise be payable:—

       

      (i)  in
        the
        same currency; and

       

      (ii)  in
        respect of the same Transaction,

       

      by
        each
        party to the other, then, on such date, each party’s obligation to make payment
        of any such amount will be automatically satisfied and discharged and, if
        the
        aggregate amount that would otherwise have been payable by one party exceeds
        the
        aggregate amount that would otherwise have been payable by the other party,
        replaced by an obligation upon the party by whom the larger aggregate amount
        would have been payable to pay to the other party the excess of the larger
        aggregate amount over the smaller aggregate amount.

       

      The
        parties may elect in respect of two or more Transactions that a net amount
        will
        be determined in respect of all amounts payable on the same date in the same
        currency in respect of such Transactions, regardless of whether such amounts
        are
        payable in respect of the same Transaction. The election may be made in the
        Schedule or a Confirmation by specifying that subparagraph (ii) above will
        not
        apply to the Transactions identified as being subject to the election, together
        with the starting date (in which case subparagraph (ii) above will not, or
        will
        cease to, apply to such Transactions from such date). This election may be
        made
        separately for different groups of Transactions and will apply separately
        to
        each pairing of Offices through which the parties make and receive payments
        or
        deliveries.

       

      (d)  Deduction
        or Withholding for Tax.

       

      (i)  Gross-Up.
        All
        payments under this Agreement will be made without any deduction or withholding
        for or on account of any Tax unless such deduction or withholding is required
        by
        any applicable law, as modified by the practice of any relevant governmental
        revenue authority, then in effect. If a party is so required to deduct or
        withhold, then that party (“X”) will:—

       

      (1)  promptly
        notify the other party (“Y”) of such requirement;

       

      (2)  pay
        to
        the relevant authorities the full amount required to be deducted or withheld
        (including the full amount required to be deducted or withheld from any
        additional amount paid by X to Y under this Section 2(d)) promptly upon the
        earlier of determining that such deduction or withholding is required or
        receiving notice that such amount has been assessed against Y;

       

      (3)  promptly
        forward to Y an official receipt (or a certified copy), or other documentation
        reasonably acceptable to Y, evidencing such payment to such authorities;
        and

       

      (4)  if
        such
        Tax is an Indemnifiable Tax, pay to Y, in addition to the payment to which
        Y is
otherwise
        entitled under this Agreement, such additional amount as is necessary to
        ensure that
        the
        net
        amount actually received by Y (free and clear of Indemnifiable Taxes, whether
        assessed against X or Y) will equal the full amount Y would have received
        had no
        such deduction or withholding been required. However, X will not be required
        to
        pay any additional amount to Y to
        the
        extent that it would not be required to be paid but for:—

       

      (A)  the
        failure by Y to comply with or perform any agreement contained in Section
        4(a)(i), 4(a)(iii) or 4(d); or

       

      (B)  the
        failure of a representation made by Y pursuant to Section 3(f) to be accurate
        and true unless such failure would not have occurred but for (I) any action
        taken by a taxing authority, or brought in a court of competent jurisdiction,
        on
        or after the date on which a Transaction is entered into (regardless of whether
        such action is taken or brought with respect to a party to this Agreement)
        or
        (II) a Change in Tax Law.

       

      (ii)  Liability.
        If:—

       

      (1)  X
        is
        required by any applicable law, as modified by the practice of any relevant
        governmental revenue authority, to make any deduction or withholding in respect
        of which X would not be required to pay an additional amount to Y under Section
        2(d)(i)(4);

       

      (2)  X
        does
        not so deduct or withhold; and

       

      (3)  a
        liability resulting from such Tax is assessed directly against X, then,
        except to the extent Y has satisfied or then satisfies the liability resulting
        from such Tax, Y will promptly pay to X the amount of such liability (including
        any related liability for interest, but including any related liability for
        penalties only if Y has failed to comply with or perform any agreement contained
        in Section 4(a)(i), 4(a)(iii) or 4(d)).

       

      (e)  Default
        Interest; Other Amounts.
        Prior
        to the occurrence or effective designation of an Early Termination Date in
        respect of the relevant Transaction, a party that defaults in the performance
        of
        any payment obligation will, to the extent permitted by law and subject to
        Section 6(c), be required to pay interest (before as well as after judgment)
        on
        the overdue amount to the other party on demand in the same currency as such
        overdue amount, for the period from (and including) the original due date
        for
        payment to (but excluding) the date of actual payment, at the Default Rate.
        Such
        interest will be calculated on the basis of daily compounding and the actual
        number of days elapsed. If, prior to the occurrence or effective designation
        of
        an Early Termination Date in respect of the relevant Transaction, a party
        defaults in the performance of any obligation required to be settled by
        delivery, it will compensate the other party on demand if and to the extent
        provided for in the relevant Confirmation or elsewhere in this
        Agreement.

       

      3.  Representations

       

      Each
        party represents to the other party (which representations will be deemed
        to be
        repeated by each party on each date on which a Transaction is entered into
        and,
        in the case of the representations in Section 3(f), at all times until the
        termination of this Agreement) that:—

       

      (a)  Basic
        Representations.

       

      (i)  Status.
        It is
        duly organised and validly existing under the laws of the jurisdiction of
        its
        organisation or incorporation and, if relevant under such laws, in good
        standing;

       

      (ii)  Powers.
        It has
        the power to execute this Agreement and any other documentation relating
        to this
        Agreement to which it is a party, to deliver this Agreement and any other
        documentation relating to this Agreement that it is required by this Agreement
        to deliver and to perform its obligations under this Agreement and any
        obligations it has under any Credit Support Document to which it is a party
        and
        has taken all necessary action to authorise such execution, delivery and
        performance;

       

      (iii)  No
        Violation or Conflict.
        Such
        execution, delivery and performance do not violate or conflict with any law
        applicable to it, any provision of its constitutional documents, any order
        or
        judgment of any court or other agency of government applicable to it or any
        of
        its assets or any contractual restriction binding on or affecting it or any
        of
        its assets;

       

      (iv)  Consents.
        All
        governmental and other consents that are required to have been obtained by
        it
        with respect to this Agreement or any Credit Support Document to which it
        is a
        party have been obtained and are in full force and effect and all conditions
        of
        any such consents have been complied with; and

       

      (v)  Obligations
        Binding.
        Its
        obligations under this Agreement and any Credit Support Document to which
        it is
        a party constitute its legal, valid and binding obligations, enforceable
        in
        accordance with their respective terms (subject to applicable bankruptcy,
        reorganisation, insolvency, moratorium or similar laws affecting creditors’
rights generally and subject, as to enforceability, to equitable principles
        of
        general application (regardless of whether enforcement is sought in a proceeding
        in equity or at law)).

       

      (b)  Absence
        of Certain Events.
        No
        Event of Default or Potential Event of Default or, to its knowledge, Termination
        Event with respect to it has occurred and is continuing and no such event
        or
        circumstance would occur as a result of its entering into or performing its
        obligations under this Agreement or any Credit Support Document to which
        it is a
        party.

       

      (c)  Absence
        of Litigation.
        There
        is not pending or, to its knowledge, threatened against it or any of its
        Affiliates any action, suit or proceeding at law or in equity or before any
        court, tribunal, governmental body, agency or official or any arbitrator
        that is
        likely to affect the legality, validity or enforceability against it of this
        Agreement or any Credit Support Document to which it is a party or its ability
        to perform its obligations under this Agreement or such Credit Support
        Document.

       

      (d)  Accuracy
        of Specified Information.
        All
        applicable information that is furnished in writing by or on behalf of it
        to the
        other party and is identified for the purpose of this Section 3(d) in the
        Schedule is, as of the date of the information, true, accurate and complete
        in
        every material respect.

       

      (e)  Payer
        Tax Representation.
        Each
        representation specified in the Schedule as being made by it for the purpose
        of
        this Section 3(e) is accurate and true.

       

      (f)  Payee
        Tax Representations.
        Each
        representation specified in the Schedule as being made by it for the purpose
        of
        this Section 3(f) is accurate and true.

       

      4.  Agreements

       

      Each
        party agrees with the other that, so long as either party has or may have
        any
        obligation under this Agreement or under any Credit Support Document to which
        it
        is a party:—

       

      (a)  Furnish
        Specified Information.
        It will
        deliver to the other party or, in certain cases under subparagraph (iii)
        below,
        to such government or taxing authority as the other party reasonably
        directs:

       

      (i)  any
        forms, documents or certificates relating to taxation specified in the Schedule
        or any Confirmation;

       

      (ii)  any
        other
        documents specified in the Schedule or any Confirmation; and

       

      (iii)  upon
        reasonable demand by such other party, any form or document that may be required
        or reasonably requested in writing in order to allow such other party or
        its
        Credit Support Provider to make a payment under this Agreement or any applicable
        Credit Support Document without any deduction or withholding for or on account
        of any Tax or with such deduction or withholding at a reduced rate (so long
        as
        the completion, execution or submission of such form or document would not
        materially prejudice the legal or commercial position of the party in receipt
        of
        such demand), with any such form or document to be accurate and completed
        in a
        manner reasonably satisfactory to such other party and to be executed and
        to be
        delivered with any reasonably required certification, in
        each
        case by the date specified in the Schedule or such Confirmation or, if none
        is
        specified, as soon as reasonably practicable.

       

      (b)  Maintain
        Authorisations.
        It will
        use all reasonable efforts to maintain in full force and effect all consents
        of
        any governmental or other authority that are required to be obtained by it
        with
        respect to this Agreement or any Credit Support Document to which it is a
        party
        and will use all reasonable efforts to obtain any that may become necessary
        in
        the future.

       

      (c)  Comply
        with Laws.
        It will
        comply in all material respects with all applicable laws and orders to which
        it
        may be subject if failure so to comply would materially impair its ability
        to
        perform its obligations under this Agreement or any Credit Support Document
        to
        which it is a party.

       

      (d)  Tax
        Agreement.
        It will
        give notice of any failure of a representation made by it under Section 3(f)
        to
        be accurate and true promptly upon learning of such failure.

       

      (e)  Payment
        of Stamp Tax.
        Subject
        to Section 11, it will pay any Stamp Tax levied or imposed upon it or in
        respect
        of its execution or performance of this Agreement by a jurisdiction in which
        it
        is incorporated, organised, managed and controlled, or considered to have
        its
        seat, or in which a branch or office through which it is acting for the purpose
        of this Agreement is located (“Stamp Tax Jurisdiction”) and will indemnify the
        other party against any Stamp Tax levied or imposed upon the other party
        or in
        respect of the other party’s execution or performance of this Agreement by any
        such Stamp Tax Jurisdiction which is not also a Stamp Tax Jurisdiction with
        respect to the other party.

       

      5.  Events
        of Default and Termination Events

       

      (a)  Events
        of Default.
        The
        occurrence at any time with respect to a party or, if applicable, any Credit
        Support Provider of such party or any Specified Entity of such party of any
        of
        the following events constitutes an event of default (an “Event of Default”)
        with respect to such party:—

       

      (i)  Failure
        to Pay or Deliver.
        Failure
        by the party to make, when due, any payment under this Agreement or delivery
        under Section 2(a)(i) or 2(e) required to be made by it if such failure is
        not
        remedied on or before the third Local Business Day after notice of such failure
        is given to the party;

       

      (ii)  Breach
        of Agreement.
        Failure
        by the party to comply with or perform any agreement or obligation (other
        than
        an obligation to make any payment under this Agreement or delivery under
        Section
        2(a)(i) or 2(e) or to give notice of a Termination Event or any agreement
        or
        obligation under Section 4(a)(i), 4(a)(iii) or 4(d)) to be complied with
        or
        performed by the party in accordance with this Agreement if such failure
        is not
        remedied on or before the thirtieth day after notice of such failure is given
        to
        the party;

       

      (iii)  Credit
        Support Default.

       

      (1)  Failure
        by the party or any Credit Support Provider of such party to comply with
        or
        perform any agreement or obligation to be complied with or performed by it
        in
        accordance with any Credit Support Document if such failure is continuing
        after
        any applicable grace period has elapsed;

       

      (2)  the
        expiration or termination of such Credit Support Document or the failing
        or
        ceasing of such Credit Support Document to be in full force and effect for
        the
        purpose of this Agreement (in either case other than in accordance with its
        terms) prior to the satisfaction of all obligations of such party under each
        Transaction to which such Credit Support Document relates without the written
        consent of the other party; or

       

      (3)  the
        party
        or such Credit Support Provider disaffirms, disclaims, repudiates or rejects,
        in
        whole or in part, or challenges the validity of, such Credit Support
        Document;

       

      (iv)  Misrepresentation.
        A
        representation (other than a representation under Section 3(e) or (f)) made
        or
        repeated or deemed to have been made or repeated by the party or any Credit
        Support Provider of such party in this Agreement or any Credit Support Document
        proves to have been incorrect or misleading in any material respect when
        made or
        repeated or deemed to have been made or repeated;

       

      (v)  Default
        under Specified Transaction.
        The
        party, any Credit Support Provider of such party or any applicable Specified
        Entity of such party (1) defaults under a Specified Transaction and, after
        giving effect to any applicable notice requirement or grace period, there
        occurs
        a liquidation of, an acceleration of obligations under, or an early termination
        of, that Specified Transaction, (2) defaults, after giving effect to any
        applicable notice requirement or grace period, in making any payment or delivery
        due on the last payment, delivery or exchange date of, or any payment on
        early
        termination of, a Specified Transaction (or such default continues for at
        least
        three Local Business Days if there is no applicable notice requirement or
        grace
        period) or (3) disaffirms, disclaims, repudiates or rejects, in whole or
        in
        part, a Specified Transaction (or such action is taken by any person or entity
        appointed or empowered to operate it or act on its behalf);

       

      (vi)  Cross
        Default.
        If
“Cross Default” is specified in the Schedule as applying to the party, the
        occurrence or existence of (1) a default, event of default or other similar
        condition or event (however described)
        in respect of such party, any Credit Support Provider of such party or any
        applicable Specified Entity of such party under one or more agreements or
        instruments relating to Specified Indebtedness of any of them (individually
        or
        collectively) in an aggregate amount of not less than the applicable Threshold
        Amount (as specified in the Schedule) which has resulted in such Specified
        Indebtedness becoming, or becoming capable at such time of being declared,
        due
        and payable under such agreements or instruments, before it would otherwise
        have
        been due and payable or (2) a default by such party, such Credit Support
        Provider or such Specified Entity (individually or collectively) in making
        one
        or more payments on the due date thereof in an aggregate amount of not less
        than
        the applicable Threshold Amount under such agreements or instruments (after
        giving effect to any applicable notice requirement or grace
        period);

       

      (vii)  Bankruptcy.
        The
        party, any Credit Support Provider of such party or any applicable Specified
        Entity of such party:—

       

      (1)  is
        dissolved (other than pursuant to a consolidation, amalgamation or merger);
        (2)
        becomes insolvent or is unable to pay its debts or fails or admits in writing
        its inability generally to pay its debts as they become due; (3) makes a
        general
        assignment, arrangement or composition with or for the benefit of its creditors;
        (4) institutes or has instituted against it a proceeding seeking a judgment
        of
        insolvency or bankruptcy or any other relief under any bankruptcy or insolvency
        law or other similar law affecting creditors’ rights, or a petition is presented
        for its winding-up or liquidation, and, in the case of any such proceeding
        or
        petition instituted or presented against it, such proceeding or petition
        (A)
        results in a judgment of insolvency or bankruptcy or the entry of an order
        for
        relief or the making of an order for its winding-up or liquidation or (B)
        is not
        dismissed, discharged, stayed or restrained in each case within 30 days of
        the
        institution or presentation thereof; (5) has a resolution passed for its
        winding-up, official management or liquidation (other than pursuant to a
        consolidation, amalgamation or merger); (6) seeks or becomes subject to the
        appointment of an administrator, provisional liquidator, conservator, receiver,
        trustee, custodian or other similar official for it or for all or substantially
        all its assets; (7) has a secured party take possession of all or substantially
        all its assets or has a distress, execution, attachment, sequestration or
        other
        legal process levied, enforced or sued on or against all or substantially
        all
        its assets and such secured party maintains possession, or any such process
        is
        not dismissed, discharged, stayed or restrained, in each case within 30 days
        thereafter; (8) causes or is subject to any event with respect to it which,
        under the applicable laws of any jurisdiction, has an analogous effect to
        any of
        the events specified in clauses (1) to (7) (inclusive); or (9) takes any
        action
        in furtherance of, or indicating its consent to, approval of, or acquiescence
        in, any of the foregoing acts; or

       

      (viii)  Merger
        Without Assumption.
        The
        party or any Credit Support Provider of such party consolidates or amalgamates
        with, or merges with or into, or transfers all or substantially all its assets
        to, another entity and, at the time of such consolidation, amalgamation,
        merger
        or transfer:—

       

      (1)  the
        resulting, surviving or transferee entity fails to assume all the obligations
        of
        such party or such Credit Support Provider under this Agreement or any Credit
        Support Document to which it or its predecessor was a party by operation
        of law
        or pursuant to an agreement reasonably satisfactory to the other party to
        this
        Agreement; or

       

      (2)  the
        benefits of any Credit Support Document fail to extend (without the consent
        of
        the other party) to the performance by such resulting, surviving or transferee
        entity of its obligations under this Agreement.

       

      (b)  Termination
        Events.
        The
        occurrence at any time with respect to a party or, if applicable, any Credit
        Support Provider of such party or any Specified Entity of such party of any
        event specified below constitutes an Illegality if the event is specified
        in (i)
        below, a Tax Event if the event is specified in (ii) below or a Tax Event
        Upon
        Merger if the event is specified in (iii) below, and, if specified to be
        applicable, a Credit Event Upon
        Merger if the event is specified pursuant to (iv) below or an Additional
        Termination Event if the event is specified pursuant to (v) below:—

       

      (i)  Illegality.
        Due to
        the adoption of, or any change in, any applicable law after the date on which
        a
        Transaction is entered into, or due to the promulgation of, or any change
        in,
        the interpretation by any court, tribunal or regulatory authority with competent
        jurisdiction of any applicable law after such date, it becomes unlawful (other
        than as a result of a breach by the party of Section 4(b)) for such party
        (which
        will be the Affected Party):—

       

      (1)  to
        perform any absolute or contingent obligation to make a payment or delivery
        or
        to receive a payment or delivery in respect of such Transaction or to comply
        with any other material provision of this Agreement relating to such
        Transaction; or

       

      (2)  to
        perform, or for any Credit Support Provider of such party to perform, any
        contingent or other obligation which the party (or such Credit Support Provider)
        has under any Credit Support Document relating to such Transaction;

       

      (ii)  Tax
        Event.
        Due to
        (x) any action taken by a taxing authority, or brought in a court of competent
        jurisdiction, on or after the date on which a Transaction is entered into
        (regardless of whether such action is taken or brought with respect to a
        party
        to this Agreement) or (y) a Change in Tax Law, the party (which will be the
        Affected Party) will, or there is a substantial likelihood that it will,
        on the
        next succeeding Scheduled Payment Date (1) be required to pay to the other
        party
        an additional amount in respect of an Indemnifiable Tax under Section 2(d)(i)(4)
        (except in respect of interest under Section 2(e), 6(d)(ii) or 6(e)) or (2)
        receive a payment from which an amount is required to be deducted or withheld
        for or on account of a Tax (except in respect of interest under Section 2(e),
        6(d)(ii) or 6(e)) and no additional amount is required to be paid in respect
        of
        such Tax under Section 2(d)(i)(4) (other than by reason of Section 2(d)(i)(4)(A)
        or (B));

       

      (iii)  Tax
        Event Upon Merger.
        The
        party (the “Burdened Party”) on the next succeeding Scheduled Payment Date will
        either (1) be required to pay an additional amount in respect of an
        Indemnifiable Tax under Section 2(d)(i)(4) (except in respect of interest
        under
        Section 2(e), 6(d)(ii) or 6(e)) or (2) receive a payment from which an amount
        has been deducted or withheld for or on account of any Indemnifiable Tax
        in
        respect of which the other party is not required to pay an additional amount
        (other than by reason of Section 2(d)(i)(4)(A) or (B)), in either case as
        a
        result of a party consolidating or amalgamating with, or merging with or
        into,
        or transferring all or substantially all its assets to, another entity (which
        will be the Affected Party) where such action does not constitute an event
        described in Section 5(a)(viii);

       

      (iv)  Credit
        Event Upon Merger.
        If
“Credit Event Upon Merger” is specified in the Schedule as applying to the
        party, such party (“X”), any Credit Support Provider of X or any applicable
        Specified Entity of X consolidates or amalgamates with, or merges with or
        into,
        or transfers all or substantially all its assets to, another entity and such
        action does not constitute an event described in Section 5(a)(viii) but the
        creditworthiness of the resulting, surviving or transferee entity is materially
        weaker than that of X, such Credit Support Provider or such Specified Entity,
        as
        the case may be, immediately prior to such action (and, in such event, X
        or its
        successor or transferee, as appropriate, will be the Affected Party);
        or

       

      (v)  Additional
        Termination Event.
        If any
“Additional Termination Event” is specified in the Schedule or any Confirmation
        as applying, the occurrence of such event (and, in such event, the Affected
        Party or Affected Parties shall be as specified for such Additional Termination
        Event in the Schedule or such Confirmation).

       

      (c)  Event
        of Default and Illegality.
        If an
        event or circumstance which would otherwise constitute or give rise to an
        Event
        of Default also constitutes an Illegality, it will be treated as an Illegality
        and will not constitute an Event of Default.

       

      6.  Early
        Termination

       

      (a)  Right
        to Terminate Following Event of Default.
        If at
        any time an Event of Default with respect to a party (the “Defaulting Party”)
        has occurred and is then continuing, the other party (the “Non-defaulting
        Party”) may, by not more than 20 days notice to the Defaulting Party specifying
        the relevant Event of Default, designate a day not earlier than the day such
        notice is effective as an Early Termination Date in respect of all outstanding
        Transactions. If, however, “Automatic Early Termination” is specified in the
        Schedule as applying to a party, then an Early Termination Date in respect
        of
        all outstanding Transactions will occur immediately upon the occurrence with
        respect to such party of an Event of Default specified in Section 5(a)(vii)(1),
        (3), (5), (6) or, to the extent analogous thereto, (8), and as of the time
        immediately preceding the institution of the relevant proceeding or the
        presentation of the relevant petition upon the occurrence with respect to
        such
        party of an Event of Default specified in Section 5(a)(vii)(4) or, to the
        extent
        analogous thereto, (8).

       

      (b)  Right
        to Terminate Following Termination Event.

       

      (i)  Notice.
        If a
        Termination Event occurs, an Affected Party will, promptly upon becoming
        aware
        of it, notify the other party, specifying the nature of that Termination
        Event
        and each Affected Transaction and will also give such other information about
        that Termination Event as the other party may reasonably require.

       

      (ii)  Transfer
        to Avoid Termination Event.
        If
        either an Illegality under Section 5(b)(i)(1) or a Tax Event occurs and there
        is
        only one Affected Party, or if a Tax Event Upon Merger occurs and the Burdened
        Party is the Affected Party, the Affected Party will, as a condition to its
        right to designate an Early Termination Date under Section 6(b)(iv), use
        all
        reasonable efforts (which will not require such party to incur a loss, excluding
        immaterial, incidental expenses) to transfer within 20 days after it gives
        notice under Section 6(b)(i) all its rights and obligations under this Agreement
        in respect of the Affected Transactions to another of its Offices or Affiliates
        so that such Termination Event ceases to exist.

       

      If
        the
        Affected Party is not able to make such a transfer it will give notice to
        the
        other party to that effect within such 20 day period, whereupon the other
        party
        may effect such a transfer within 30 days after the notice is given under
        Section 6(b)(i).

       

      Any
        such
        transfer by a party under this Section 6(b)(ii) will be subject to and
        conditional upon the prior written consent of the other party, which consent
        will not be withheld if such other party’s policies in effect at such time would
        permit it to enter into transactions with the transferee on the terms
        proposed.

       

      (iii)  Two
        Affected Parties.
        If an
        Illegality under Section 5(b)(i)(1) or a Tax Event occurs and there are two
        Affected Parties, each party will use all reasonable efforts to reach agreement
        within 30 days after notice thereof is given under Section 6(b)(i) on action
        to
        avoid that Termination Event.

       

      (iv)  Right
        to Terminate.
        If:—

       

      (1)  a
        transfer under Section 6(b)(ii) or an agreement under Section 6(b)(iii), as
        the case may be, has not been effected with respect to all Affected Transactions
        within 30 days after an Affected Party gives notice under Section 6(b)(i);
        or

       

      (2)  an
        Illegality under Section 5(b)(i)(2), a Credit Event Upon Merger or an Additional
        Termination Event occurs, or a Tax Event Upon Merger occurs and the Burdened
        Party is not the Affected Party, either
        party in the case of an Illegality, the Burdened Party in the case of a Tax
        Event Upon Merger, any Affected Party in the case of a Tax Event or an
        Additional Termination Event if there is more than one Affected Party, or
        the
        party which is not the Affected Party in the case of a Credit Event Upon
        Merger
        or an Additional Termination Event if there is only one Affected Party may,
        by
        not more
        than
        20 days notice to the other party and provided that the relevant Termination
        Event is then continuing,
        designate a day not earlier than the day such notice is effective as an Early
        Termination Date in respect of all Affected Transactions.

       

      (c)  Effect
        of Designation.

       

      (i)  If
        notice
        designating an Early Termination Date is given under Section 6(a) or (b),
        the Early Termination Date will occur on the date so designated, whether
        or not
        the relevant Event of Default or Termination Event is then
        continuing.

       

      (ii)  Upon
        the
        occurrence or effective designation of an Early Termination Date, no further
        payments or deliveries under Section 2(a)(i) or 2(e) in respect of the
        Terminated Transactions will be required to be made, but without prejudice
        to
        the other provisions of this Agreement. The amount, if any, payable in respect
        of an Early Termination Date shall be determined pursuant to Section
        6(e).

       

      (d)  Calculations.

       

      (i)  Statement.
        On or
        as soon as reasonably practicable following the occurrence of an Early
        Termination Date, each party will make the calculations on its part, if any,
        contemplated by Section 6(e) and will provide to the other party a statement
        (1)
        showing, in reasonable detail, such calculations (including all relevant
        quotations and specifying any amount payable under Section 6(e)) and (2)
        giving
        details of the relevant account to which any amount payable to it is to be
        paid.
        In the absence of written confirmation from the source of a quotation obtained
        in determining a Market Quotation, the records of the party obtaining such
        quotation will be conclusive evidence of the existence and accuracy of such
        quotation.

       

      (ii)  Payment
        Date.
        An
        amount calculated as being due in respect of any Early Termination Date under
        Section 6(e) will be payable on the day that notice of the amount payable
        is
        effective (in the case of an Early Termination Date which is designated or
        occurs as a result of an Event of Default) and on the day which is two Local
        Business Days after the day on which notice of the amount payable is effective
        (in the case of an Early Termination Date which is designated as a result
        of a
        Termination Event). Such amount will be paid together with (to the extent
        permitted under applicable law) interest thereon (before as well as after
        judgment) in the Termination Currency, from (and including) the relevant
        Early
        Termination Date to (but excluding) the date such amount is paid, at the
        Applicable Rate. Such interest will be calculated on the basis of daily
        compounding and the actual number of days elapsed.

       

      (e)  Payments
        on Early Termination.
        If an
        Early Termination Date occurs, the following provisions shall apply based
        on the
        parties’ election in the Schedule of a payment measure, either “Market
        Quotation” or “Loss”, and a payment method, either the “First Method” or the
“Second Method”. If the parties fail to designate a payment measure or payment
        method in the Schedule, it will be deemed that “Market Quotation” or the “Second
        Method”, as the case may be, shall apply. The amount, if any, payable in respect
        of an Early Termination Date and determined pursuant to this Section will
        be
        subject to any Set-off.

       

      (i)  Events
        of Default.
        If the
        Early Termination Date results from an Event of Default:—

       

      (1)  First
        Method and Market Quotation.
        If the
        First Method and Market Quotation apply, the Defaulting Party will pay to
        the
        Non-defaulting Party the excess, if a positive number, of (A) the sum of
        the
        Settlement Amount (determined by the Non-defaulting Party) in respect of
        the
        Terminated Transactions and the Termination Currency Equivalent of the Unpaid
        Amounts owing to the Non-defaulting Party over (B) the Termination Currency
        Equivalent of the Unpaid Amounts owing to the Defaulting Party.

       

      (2)  First
        Method and Loss.
        If the
        First Method and Loss apply, the Defaulting Party will pay to the Non-defaulting
        Party, if a positive number, the Non-defaulting Party’s Loss in respect of this
        Agreement.

       

      (3)  Second
        Method and Market Quotation.
        If the
        Second Method and Market Quotation apply, an amount will be payable equal
        to (A)
        the sum of the Settlement Amount (determined by
        the
Non-defaulting
        Party) in respect of the Terminated Transactions and the Termination Currency
        Equivalent of the Unpaid Amounts owing to the Non-defaulting Party less (B)
        the
        Termination Currency Equivalent of the Unpaid Amounts owing to the Defaulting
        Party. If that amount is a positive number, the Defaulting Party will pay
        it to
        the Non-defaulting Party; if it is a negative number, the Non-defaulting
        Party
        will pay the absolute value of that amount to the Defaulting Party.

       

      (4)  Second
        Method and Loss.
        If the
        Second Method and Loss apply, an amount will be payable equal to the
        Non-defaulting Party’s Loss in respect of this Agreement. If that amount is a
        positive number, the Defaulting Party will pay it to the Non-defaulting Party;
        if it is a negative number, the Non-defaulting Party will pay the absolute
        value
        of that amount to the Defaulting Party.

       

      (ii)  Termination
        Events.
        If the
        Early Termination Date results from a Termination Event:—

       

      (1)  One
        Affected Party.
        If
        there is one Affected Party, the amount payable will be determined in accordance
        with Section 6(e)(i)(3), if Market Quotation applies, or Section 6(e)(i)(4),
        if
        Loss applies, except that, in either case, references to the Defaulting Party
        and to the Non-defaulting Party will be deemed to be references to the Affected
        Party and the party which is not the Affected Party, respectively, and, if
        Loss
        applies and fewer than all the Transactions are being terminated, Loss shall
        be
        calculated in respect of all Terminated Transactions.

       

      (2)  Two
        Affected Parties.
        If
        there are two Affected Parties:—

       

      (A)  if
        Market
        Quotation applies, each party will determine a Settlement Amount in respect
        of
        the Terminated Transactions, and an amount will be payable equal to (I) the
        sum
        of (a) one-half of the difference between the Settlement Amount of the party
        with the higher Settlement Amount (“X”) and the Settlement Amount of the party
        with the lower Settlement Amount (“Y”) and (b) the Termination Currency
        Equivalent of the Unpaid Amounts owing to X less (II) the Termination Currency
        Equivalent of the Unpaid Amounts owing to Y; and

       

      (B)  if
        Loss
        applies, each party will determine its Loss in respect of this Agreement
        (or, if
        fewer than all the Transactions are being terminated, in respect of all
        Terminated Transactions) and an amount will be payable equal to one-half
        of the
        difference between the Loss of the party with the higher Loss (“X”) and the Loss
        of the party with the lower Loss (“Y”).

       

      If
        the
        amount payable is a positive number, Y will pay it to X; if it is a negative
        number, X will pay the absolute value of that amount to Y.

       

      (iii)  Adjustment
        for Bankruptcy.
        In
        circumstances where an Early Termination Date occurs because “Automatic Early
        Termination” applies in respect of a party, the amount determined under this
        Section 6(e) will be subject to such adjustments as are appropriate and
        permitted by law to reflect any payments or deliveries made by one party
        to the
        other under this Agreement (and retained by such other party) during the
        period
        from the relevant Early Termination Date to the date for payment determined
        under Section 6(d)(ii).

       

      (iv)  Pre-Estimate.
        The
        parties agree that if Market Quotation applies an amount recoverable under
        this
        Section 6(e) is a reasonable pre-estimate of loss and not a penalty. Such
        amount
        is payable for the loss of bargain and the loss of protection against future
        risks and except as otherwise provided in this Agreement neither party will
        be
        entitled to recover any additional damages as a consequence of such
        losses.

       

      7.  Transfer

       

      Subject
        to Section 6(b)(ii), neither this Agreement nor any interest or obligation
        in or
        under this Agreement may be transferred (whether by way of security or
        otherwise) by either party without the prior written consent of the other
        party,
        except that:—

       

      (a)  a
        party
        may make such a transfer of this Agreement pursuant to a consolidation or
        amalgamation with, or merger with or into, or transfer of all or substantially
        all its assets to, another entity (but without prejudice to any other right
        or
        remedy under this Agreement); and

       

      (b)  a
        party
        may make such a transfer of all or any part of its interest in any amount
        payable to it from a Defaulting Party under Section 6(e).

       

      Any
        purported transfer that is not in compliance with this Section will be
        void.

       

      8.  Contractual
        Currency

       

      (a)  Payment
        in the Contractual Currency.
        Each
        payment under this Agreement will be made in the relevant currency specified
        in
        this Agreement for that payment (the “Contractual Currency”). To the extent
        permitted by applicable law, any obligation to make payments under this
        Agreement in the Contractual Currency will not be discharged or satisfied
        by any
        tender in any currency other than the Contractual Currency, except to the
        extent
        such tender results in the actual receipt by the party to which payment is
        owed,
        acting in a reasonable manner and in good faith in converting the currency
        so
        tendered into the Contractual Currency, of the full amount in the Contractual
        Currency of all amounts payable in respect of this Agreement. If for any
        reason
        the amount in the Contractual Currency so received falls short of the amount
        in
        the Contractual Currency payable in respect of this Agreement, the party
        required to make the payment will, to the extent permitted by applicable
        law,
        immediately pay such additional amount in the Contractual Currency as may
        be
        necessary to compensate for the shortfall. If for any reason the amount in
        the
        Contractual Currency so received exceeds the amount in the Contractual Currency
        payable in respect of this Agreement, the party receiving the payment will
        refund promptly the amount of such excess.

       

      (b)  Judgments.
        To the
        extent permitted by applicable law, if any judgment or order expressed in
        a
        currency other than the Contractual Currency is rendered (i) for the payment
        of
        any amount owing in respect of this Agreement, (ii) for the payment of any
        amount relating to any early termination in respect of this Agreement or
        (iii)
        in respect of a judgment or order of another court for the payment of any
        amount
        described in (i) or (ii) above, the party seeking recovery, after recovery
        in
        full of the aggregate amount to which such party is entitled pursuant to
        the
        judgment or order, will be entitled to receive immediately from the other
        party
        the amount of any shortfall of the Contractual Currency received by such
        party
        as a consequence of sums paid in such other currency and will refund promptly
        to
        the other party any excess of the Contractual Currency received by such party
        as
        a consequence of sums paid in such other currency if such shortfall or such
        excess arises or results from any variation between the rate of exchange
        at
        which the Contractual Currency is converted into the currency of the judgment
        or
        order for the purposes of such judgment or order and the rate of exchange
        at
        which such party is able, acting in a reasonable manner and in good faith
        in
        converting the currency received into the Contractual Currency, to purchase
        the
        Contractual Currency with the amount of the currency of the judgment or order
        actually received by such party. The term “rate of exchange” includes, without
        limitation, any premiums and costs of exchange payable in connection with
        the
        purchase of or conversion into the Contractual Currency.

       

      (c)  Separate
        Indemnities.
        To the
        extent permitted by applicable law, these indemnities constitute separate
        and
        independent obligations from the other obligations in this Agreement, will
        be
        enforceable as separate and independent causes of action, will apply
        notwithstanding any indulgence granted by the party to which any payment
        is owed
        and will not be affected by judgment being obtained or claim or proof being
        made
        for any other sums payable in respect of this Agreement.

       

      (d)  Evidence
        of Loss.
        For the
        purpose of this Section 8, it will be sufficient for a party to demonstrate
        that
        it would have suffered a loss had an actual exchange or purchase been
        made.

       

      9.  Miscellaneous

       

      (a)  Entire
        Agreement.
        This
        Agreement constitutes the entire agreement and understanding of the parties
        with
        respect to its subject matter and supersedes all oral communication and prior
        writings with respect thereto.

       

      (b)  Amendments.
        No
        amendment, modification or waiver in respect of this Agreement will be effective
        unless in writing (including a writing evidenced by a facsimile transmission)
        and executed by each of the parties or confirmed by an exchange of telexes
        or
        electronic messages on an electronic messaging system.

       

      (c)  Survival
        of Obligations.
        Without
        prejudice to Sections 2(a)(iii) and 6(c)(ii), the obligations of the parties
        under this Agreement will survive the termination of any
        Transaction.

       

      (d)  Remedies
        Cumulative.
        Except
        as provided in this Agreement, the rights, powers, remedies and privileges
        provided in this Agreement are cumulative and not exclusive of any rights,
        powers, remedies and privileges provided by law.

       

      (e)  Counterparts
        and Confirmations.

       

      (i)  This
        Agreement (and each amendment, modification and waiver in respect of it)
        may be
        executed and delivered in counterparts (including by facsimile transmission),
        each of which will be deemed an original.

       

      (ii)  The
        parties intend that they are legally bound by the terms of each Transaction
        from
        the moment they agree to those terms (whether orally or otherwise). A
        Confirmation shall he entered into as soon as practicable and may he executed
        and delivered in counterparts (including by facsimile transmission) or be
        created by an exchange of telexes or by an exchange of electronic messages
        on an
        electronic messaging system, which in each case will be sufficient for all
        purposes to evidence a binding supplement to this Agreement. The parties
        will
        specify therein or through another effective means that any such counterpart,
        telex or electronic message constitutes a Confirmation.

       

      (f)  No
        Waiver of Rights.
        A
        failure or delay in exercising any right, power or privilege in respect of
        this
        Agreement will not be presumed to operate as a waiver, and a single or partial
        exercise of any right, power or privilege will not be presumed to preclude
        any
        subsequent or further exercise, of that right, power or privilege or the
        exercise of any other right, power or privilege.

       

      (g)  Headings.
        The
        headings used in this Agreement are for convenience of reference only and
        are
        not to affect the construction of or to be taken into consideration in
        interpreting this Agreement.

       

      10.  Offices;
        Multibranch Parties

       

      (a)  If
        Section 10(a) is specified in the Schedule as applying, each party that enters
        into a Transaction through an Office other than its head or home office
        represents to the other party that, notwithstanding the place of booking
        office
        or jurisdiction of incorporation or organisation of such party, the obligations
        of such party are the same as if it had entered into the Transaction through
        its
        head or home office. This representation will be deemed to be repeated by
        such
        party on each date on which a Transaction is entered into.

       

      (b)  Neither
        party may change the Office through which it makes and receives payments
        or
        deliveries for the purpose of a Transaction without the prior written consent
        of
        the other party.

       

      (c)  If
        a
        party is specified as a Multibranch Party in the Schedule, such Multibranch
        Party may make and receive payments or deliveries under any Transaction through
        any Office listed in the Schedule, and the Office through which it makes
        and
        receives payments or deliveries with respect to a Transaction will be specified
        in the relevant Confirmation.

       

      11.  Expenses

       

      A
        Defaulting Party will, on demand, indemnify and hold harmless the other party
        for and against all reasonable out-of-pocket expenses, including legal fees
        and
        Stamp Tax, incurred by such other party by reason of the enforcement and
        protection of its rights under this Agreement or any Credit Support Document
        to
        which the Defaulting Party is a party or by reason of the early termination
        of
        any Transaction, including, but not limited to, costs of
        collection.

       

      12.  Notices

       

      (a)  Effectiveness.
        Any
        notice or other communication in respect of this Agreement may be given in
        any
        manner set forth below (except that a notice or other communication under
        Section 5 or 6 may not be given by facsimile transmission or electronic
        messaging system) to the address or number or in accordance with the electronic
        messaging system details provided (see the Schedule) and will be deemed
        effective as indicated:—

       

      (i)  if
        in
        writing and delivered in person or by courier, on the date it is
        delivered;

       

      (ii)  if
        sent
        by telex, on the date the recipient’s answerback is received;

       

      (iii)  if
        sent
        by facsimile transmission, on the date that transmission is received by a
        responsible employee of the recipient in legible form (it being agreed that
        the
        burden of proving receipt will be on the sender and will not be met by a
        transmission report generated by the sender’s facsimile machine);

       

      (iv)  if
        sent
        by certified or registered mail (airmail, if overseas) or the equivalent
        (return
        receipt requested), on the date that mail is delivered or its delivery is
        attempted; or

       

      (v)  if
        sent
        by electronic messaging system, on the date that electronic message is received,
        unless
        the date of that delivery (or attempted delivery) or that receipt, as
        applicable, is not a Local Business Day or that communication is delivered
        (or
        attempted) or received, as applicable, after the close of business on a Local
        Business Day, in which case that communication shall be deemed given and
        effective on the first following day that is a Local Business Day.

       

      (b)  Change
        of Addresses.
        Either
        party may by notice to the other change the address, telex or facsimile number
        or electronic messaging system details at which notices or other communications
        are to be given to it.

       

      13.  Governing
        Law and Jurisdiction

       

      (a)  Governing
        Law.
        This
        Agreement will be governed by and construed in accordance with the law specified
        in the Schedule.

       

      (b)  Jurisdiction.
        With
        respect to any suit, action or proceedings relating to this Agreement
        (“Proceedings”), each party irrevocably:—

       

      (i)  submits
        to the jurisdiction of the English courts, if this Agreement is expressed
        to be
        governed by English law, or to the non-exclusive jurisdiction of the courts
        of
        the State of New York and the United States District Court located in the
        Borough of Manhattan in New York City, if this Agreement is expressed to
        be
        governed by the laws of the State of New York; and

       

      (ii)  waives
        any objection which it may have at any time to the laying of venue of any
        Proceedings brought in any such court, waives any claim that such Proceedings
        have been brought in an inconvenient forum and further waives the right to
        object, with respect to such Proceedings, that such court does not have any
        jurisdiction over such party.

       

      Nothing
        in this Agreement precludes either party from bringing Proceedings in any
        other
        jurisdiction (outside, if this Agreement is expressed to be governed by English
        law, the Contracting States, as defined in Section 1(3) of the Civil
        Jurisdiction and Judgments Act 1982 or any modification, extension or
        re-enactment thereof for the time being in force) nor will the bringing of
        Proceedings in any one or more jurisdictions preclude the bringing of
        Proceedings in any other jurisdiction.

       

      (c)  Service
        of Process.
        Each
        party irrevocably appoints the Process Agent (if any) specified opposite
        its
        name in the Schedule to receive, for it and on its behalf, service of process
        in
        any Proceedings. If for any reason
        any party’s Process Agent is unable to act as such, such party will promptly
        notify the other party and within 30 days appoint a substitute process agent
        acceptable to the other party. The parties irrevocably consent to service
        of
        process given in the manner provided for notices in Section 12. Nothing in
        this
        Agreement will affect the right of either party to serve process in any other
        manner permitted by law.

       

      (d)  Waiver
        of Immunities.
        Each
        party irrevocably waives, to the fullest extent permitted by applicable law,
        with respect to itself and its revenues and assets (irrespective of their
        use or
        intended use), all immunity on the grounds of sovereignty or other similar
        grounds from (i) suit, (ii) jurisdiction of any court, (iii) relief by way
        of
        injunction, order for specific performance or for recovery of property, (iv)
        attachment of its assets (whether before or after judgment) and (v) execution
        or
        enforcement of any judgment to which it or its revenues or assets might
        otherwise be entitled in any Proceedings in the courts of any jurisdiction
        and
        irrevocably agrees, to the extent permitted by applicable law, that it will
        not
        claim any such immunity in any Proceedings.

       

      14.  Definitions

       

      As
        used
        in this Agreement:—

       

      “Additional
        Termination Event”
        has the
        meaning specified in Section 5(b).

       

      “Affected
        Party”
        has the
        meaning specified in Section 5(b).

       

      “Affected
        Transactions”
        means
        (a) with respect to any Termination Event consisting of an Illegality, Tax
        Event
        or Tax Event Upon Merger, all Transactions affected by the occurrence of
        such
        Termination Event and (b) with respect to any other Termination Event, all
        Transactions.

       

      “Affiliate”
        means,
        subject to the Schedule, in relation to any person, any entity controlled,
        directly or indirectly, by the person, any entity that controls, directly
        or
        indirectly, the person or any entity directly or indirectly under common
        control
        with the person. For this purpose, “control” of any entity or person means
        ownership of a majority of the voting power of the entity or
        person.

       

      “Applicable
        Rate”
        means:—

       

      (a)  in
        respect of obligations payable or deliverable (or which would have been but
        for
        Section 2(a)(iii)) by a Defaulting Party, the Default Rate;

       

      (b)  in
        respect of an obligation to pay an amount under Section 6(e) of either party
        from and after the date (determined in accordance with Section 6(d)(ii))
        on
        which that amount is payable, the Default Rate;

       

      (c)  in
        respect of all other obligations payable or deliverable (or which would have
        been but for

       

      Section
        2(a)(iii)) by a Non-defaulting Party, the Non-default Rate; and

       

      (d)  in
        all
        other cases, the Termination Rate.

       

      “Burdened
        Party”
        has the
        meaning specified in Section 5(b).

       

      “Change
        in Tax Law”
        means
        the enactment, promulgation, execution or ratification of, or any change
        in or
        amendment to, any law (or in the application or official interpretation of
        any
        law) that occurs on or after the date on which the relevant Transaction is
        entered into.

       

      “consent”
        includes
        a consent, approval, action, authorisation, exemption, notice, filing,
        registration or exchange control consent.

       

      “Credit
        Event Upon Merger”
        has the
        meaning specified in Section 5(b).

       

      “Credit
        Support Document”
        means
        any agreement or instrument that is specified as such in this Agreement.
        

       

      “Credit
        Support Provider”
        has the
        meaning specified in the Schedule.

       

      “Default
        Rate”
        means a
        rate per annum equal to the cost (without proof or evidence of any actual
        cost)
        to the relevant payee (as certified by it) if it were to fund or of funding
        the
        relevant amount plus 1% per annum.

      “Defaulting
        Party”
        has the
        meaning specified in Section 6(a).

       

      “Early
        Termination Date”
        means
        the date determined in accordance with Section 6(a) or 6(b)(iv).

       

      “Event
        of Default”
        has the
        meaning specified in Section 5(a) and, if applicable, in the
        Schedule.

       

      “Illegality”
        has the
        meaning specified in Section 5(b).

       

      “Indemnifiable
        Tax”
        means
        any Tax other than a Tax that would not be imposed in respect of a payment
        under
        this Agreement but for a present or former connection between the jurisdiction
        of the government or taxation authority imposing such Tax and the recipient
        of
        such payment or a person related to such recipient (including, without
        limitation, a connection arising from such recipient or related person being
        or
        having been a citizen or resident of such jurisdiction, or being or having
        been
        organised, present or engaged in a trade or business in such jurisdiction,
        or
        having or having had a permanent establishment or fixed place of business
        in
        such jurisdiction, but excluding a connection arising solely from such recipient
        or related person having executed, delivered, performed its obligations or
        received a payment under, or enforced, this Agreement or a Credit Support
        Document).

       

      “law”
        includes
        any treaty, law, rule or regulation (as modified, in the case of tax matters,
        by
        the practice of any relevant governmental revenue authority) and “lawful” and
“unlawful” will be construed accordingly.

       

      “Local
        Business Day”
        means,
        subject to the Schedule, a day on which commercial banks are open for business
        (including dealings in foreign exchange and foreign currency deposits) (a)
        in
        relation to any obligation under Section 2(a)(i), in the place(s) specified
        in
        the relevant Confirmation or, if not so specified, as otherwise agreed by
        the
        parties in writing or determined pursuant to provisions contained, or
        incorporated by reference, in this Agreement, (b) in relation to any other
        payment, in the place where the relevant account is located and, if different,
        in the principal financial centre, if any, of the currency of such payment,
        (c)
        in relation to any notice or other communication, including notice contemplated
        under Section 5(a)(i), in the city specified in the address for notice provided
        by the recipient and, in the case of a notice contemplated by Section 2(b),
        in
        the place where the relevant new account is to be located and (d) in relation
        to
        Section 5(a)(v)(2), in the relevant locations for performance with respect
        to
        such Specified Transaction.

       

      “Loss”
        means,
        with respect to this Agreement or one or more Terminated Transactions, as
        the
        case may be, and a party, the Termination Currency Equivalent of an amount
        that
        party reasonably determines in good faith to be its total losses and costs
        (or
        gain, in which case expressed as a negative number) in connection with this
        Agreement or that Terminated Transaction or group of Terminated Transactions,
        as
        the case may be, including any loss of bargain, cost of funding or, at the
        election of such party but without duplication, loss or cost incurred as
        a
        result of its terminating, liquidating, obtaining or reestablishing any hedge
        or
        related trading position (or any gain resulting from any of them). Loss includes
        losses and costs (or gains) in respect of any payment or delivery required
        to
        have been made (assuming satisfaction of each applicable condition precedent)
        on
        or before the relevant Early Termination Date and not made, except, so as
        to
        avoid duplication, if Section 6(e)(i)(1) or (3) or 6(e)(ii)(2)(A) applies.
        Loss
        does not include a party’s legal fees and out-of-pocket expenses referred to
        under Section 11. A party will determine its Loss as of the relevant Early
        Termination Date, or, if that is not reasonably practicable, as of the earliest
        date thereafter as is reasonably practicable. A party may (but need not)
        determine its Loss by reference to quotations of relevant rates or prices
        from
        one or more leading dealers in the relevant markets.

       

      “Market
        Quotation”
        means,
        with respect to one or more Terminated Transactions and a party making the
        determination, an amount determined on the basis of quotations from Reference
        Market-makers. Each quotation will be for an amount, if any, that would be
        paid
        to such party (expressed as a negative number) or by such party (expressed
        as a
        positive number) in consideration of an agreement between such party (taking
        into account any existing Credit Support Document with respect to the
        obligations of such party) and the quoting Reference Market-maker to enter
        into
        a transaction (the “Replacement Transaction”) that would have the effect of
        preserving for such party the economic equivalent of any payment or delivery
        (whether the underlying obligation was absolute or contingent and assuming
        the
        satisfaction of each applicable condition precedent) by the parties under
        Section 2(a)(i) in respect of such Terminated Transaction or group of Terminated
        Transactions that would, but for the occurrence of the relevant Early
        Termination Date, have been
        required after that date. For this purpose, Unpaid Amounts in respect of
        the
        Terminated Transaction or group of Terminated Transactions are to be excluded
        but, without limitation, any payment or delivery that would, but for the
        relevant Early Termination Date, have been required (assuming satisfaction
        of
        each applicable condition precedent) after that Early Termination Date is
        to be
        included. The Replacement Transaction would be subject to such documentation
        as
        such party and the Reference Market-maker may, in good faith, agree. The
        party
        making the determination (or its agent) will request each Reference Market-maker
        to provide its quotation to the extent reasonably practicable as of the same
        day
        and time (without regard to different time zones) on or as soon as reasonably
        practicable after the relevant Early Termination Date. The day and time as
        of
        which those quotations are to be obtained will be selected in good faith
        by the
        party obliged to make a determination under Section 6(e), and, if each party
        is
        so obliged, after consultation with the other. If more than three quotations
        are
        provided, the Market Quotation will be the arithmetic mean of the quotations,
        without regard to the quotations having the highest and lowest values. If
        exactly three such quotations are provided, the Market Quotation will be
        the
        quotation remaining after disregarding the highest and lowest quotations.
        For
        this purpose, if more than one quotation has the same highest value or lowest
        value, then one of such quotations shall be disregarded. If fewer than three
        quotations are provided, it will be deemed that the Market Quotation in respect
        of such Terminated Transaction or group of Terminated Transactions cannot
        be
        determined.

       

      “Non-default
        Rate”
        means a
        rate per annum equal to the cost (without proof or evidence of any actual
        cost)
        to the Non-defaulting Party (as certified by it) if it were to fund the relevant
        amount.

       

      “Non-defaulting
        Party”
        has the
        meaning specified in Section 6(a).

       

      “Office”
        means a
        branch or office of a party, which may be such party’s head or home
        office.

       

      “Potential
        Event of Default”
        means
        any event which, with the giving of notice or the lapse of time or both,
        would
        constitute an Event of Default.

       

      “Reference
        Market-makers”
        means
        four leading dealers in the relevant market selected by the party determining
        a
        Market Quotation in good faith (a) from among dealers of the highest credit
        standing which satisfy all the criteria that such party applies generally
        at the
        time in deciding whether to offer or to make an extension of credit and (b)
        to
        the extent practicable, from among such dealers having an office in the same
        city.

       

      “Relevant
        Jurisdiction”
        means,
        with respect to a party, the jurisdictions (a) in which the party is
        incorporated, organised, managed and controlled or considered to have its
        seat,
        (b) where an Office through which the party is acting for purposes of this
        Agreement is located, (c) in which the party executes this Agreement and
        (d) in
        relation to any payment, from or through which such payment is
        made.

       

      “Scheduled
        Payment Date”
        means a
        date on which a payment or delivery is to be made under Section 2(a)(i) with
        respect to a Transaction.

       

      “Set-off”
        means
        set-off, offset, combination of accounts, right of retention or withholding
        or
        similar right or requirement to which the payer of an amount under Section
        6 is
        entitled or subject (whether arising under this Agreement, another contract,
        applicable law or otherwise) that is exercised by, or imposed on, such
        payer.

       

      “Settlement
        Amount”
        means,
        with respect to a party and any Early Termination Date, the sum
        of:—

       

      (a)  the
        Termination Currency Equivalent of the Market Quotations (whether positive
        or
        negative) for each Terminated Transaction or group of Terminated Transactions
        for which a Market Quotation is determined; and

       

      (b)  such
        party’s Loss (whether positive or negative and without reference to any Unpaid
        Amounts) for each Terminated Transaction or group of Terminated Transactions
        for
        which a Market Quotation cannot be determined or would not (in the reasonable
        belief of the party making the determination) produce a commercially reasonable
        result.

       

      “Specified
        Entity”
        has the
        meanings specified in the Schedule.

       

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

      “Specified
        Indebtedness”
        means,
        subject to the Schedule, any obligation (whether present or future, contingent
        or otherwise, as principal or surety or otherwise) in respect of borrowed
        money.

       

      “Specified
        Transaction”
        means,
        subject to the Schedule, (a) any transaction (including an agreement with
        respect thereto) now existing or hereafter entered into between one party
        to
        this Agreement (or any Credit Support Provider of such party or any applicable
        Specified Entity of such party) and the other party to this Agreement (or
        any
        Credit Support Provider of such other party or any applicable Specified Entity
        of such other party) which is a rate swap transaction, basis swap, forward
        rate
        transaction, commodity swap, commodity option, equity or equity index swap,
        equity or equity index option, bond option, interest rate option, foreign
        exchange transaction, cap transaction, floor transaction, collar transaction,
        currency swap transaction, cross-currency rate swap transaction, currency
        option
        or any other similar transaction (including any option with respect to any
        of
        these transactions), (b) any combination of these transactions and (c) any
        other
        transaction identified as a Specified Transaction in this Agreement or the
        relevant confirmation.

       

      “Stamp
        Tax”
        means
        any stamp, registration, documentation or similar tax.

       

      “Tax”
        means
        any present or future tax, levy, impost, duty, charge, assessment or fee
        of any
        nature (including interest, penalties and additions thereto) that is imposed
        by
        any government or other taxing authority in respect of any payment under
        this
        Agreement other than a stamp, registration, documentation or similar
        tax.

       

      “Tax
        Event”
        has the
        meaning specified in Section 5(b).

       

      “Tax
        Event Upon Merger”
        has the
        meaning specified in Section 5(b).

       

      “Terminated
        Transactions”
        means
        with respect to any Early Termination Date (a) if resulting from a Termination
        Event, all Affected Transactions and (b) if resulting from an Event of Default,
        all Transactions (in either case) in effect immediately before the effectiveness
        of the notice designating that Early Termination Date (or, if “Automatic Early
        Termination” applies, immediately before that Early Termination
        Date).

       

      “Termination
        Currency”
        has the
        meaning specified in the Schedule.

       

      “Termination
        Currency Equivalent”
        means,
        in respect of any amount denominated in the Termination Currency, such
        Termination Currency amount and, in respect of any amount denominated in
        a
        currency other than the Termination Currency (the “Other Currency”), the amount
        in the Termination Currency determined by the party making the relevant
        determination as being required to purchase such amount of such Other Currency
        as at the relevant Early Termination Date, or, if the relevant Market Quotation
        or Loss (as the case may be), is determined as of a later date, that later
        date,
        with the Termination Currency at the rate equal to the spot exchange rate
        of the
        foreign exchange agent (selected as provided below) for the purchase of such
        Other Currency with the Termination Currency at or about 11:00 a.m. (in the
        city
        in which such foreign exchange agent is located) on such date as would be
        customary for the determination of such a rate for the purchase of such Other
        Currency for value on the relevant Early Termination Date or that later date.
        The foreign exchange agent will, if only one party is obliged to make a
        determination under Section 6(e), be selected in good faith by that party
        and
        otherwise will be agreed by the parties.

       

      “Termination
        Event”
        means an
        Illegality, a Tax Event or a Tax Event Upon Merger or, if specified to be
        applicable, a Credit Event Upon Merger or an Additional Termination
        Event.

       

      “Termination
        Rate”
        means a
        rate per annum equal to the arithmetic mean of the cost (without proof or
        evidence of any actual cost) to each party (as certified by such party) if
        it
        were to fund or of funding such amounts.

       

      “Unpaid
        Amounts”
        owing to
        any party means, with respect to an Early Termination Date, the aggregate
        of (a)
        in respect of all Terminated Transactions, the amounts that became payable
        (or
        that would have become payable but for Section 2(a)(iii)) to such party under
        Section 2(a)(i) on or prior to such Early Termination Date and which remain
        unpaid as at such Early Termination Date and (b) in respect of each Terminated
        Transaction, for each obligation under Section 2(a)(i) which was (or would
        have
        been but for Section 2(a)(iii)) required to be settled by delivery to such
        party
        on or prior to such Early Termination Date and which has not been so settled
        as
        at such Early Termination Date, an amount equal to the fair market value
        of
        that which was (or would have been) required to be delivered as of the
        originally scheduled date for
        delivery, in each case together with (to the extent permitted under applicable
        law) interest, in the currency, of
        such
        amounts, from (and including) the date such amounts or obligations were or
        would
        have been required to
        have
        been paid or performed to (but excluding) such Early Termination Date, at
        the
        Applicable Rate. Such amounts
        of interest will be calculated on the basis of daily compounding and the
        actual
        number of days elapsed.
        The fair market value of any obligation referred to in clause (b) above shall
        be
        reasonably determined
        by the party obliged to make the determination under Section 6(e) or, if
        each
        party is so obliged, it
        shall
        be the average of the Termination Currency Equivalents of the fair market
        values
        reasonably determined
        by both parties.

       

      IN
        WITNESS WHEREOF the parties have executed this document on the respective
        dates
        specified below

       

      

       

      
        	
                GOLDMAN
                  SACHS MITSUI MARINE 

                DERIVATIVE
                  PRODUCTS, L.P.

              	 	
                DEUTSCHE
                  BANK NATIONAL TRUST COMPANY, NOT IN ITS INDIVIDUAL CAPACITY BUT
                  SOLELY AS
                  SUPPLEMENTAL INTEREST TRUST TRUSTEE ON BEHALF OF THE SUPPLEMENTAL
                  INTEREST
                  TRUST WITH RESPECT TO THE MORTGAGE PASS-THROUGH CERTIFICATES, SERIES
                  2007-S1

              
	
                 

                By:
                  GSMMDPGP, Inc.

                General
                  Partner

                 

                By:
                  _____________________________________

                Name:

                Title:

                Date:

              	 	
                 

                 

                 

                 

                By:
                  _______________________________________

                Name:
                  

                Title:
                  

                Date:

              

      

      

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

    

     

    

      

      

      SCHEDULE

      

      to
        the

      

      MASTER
        AGREEMENT

      

      dated
        as
        of February 28, 2007

      between

      

      GOLDMAN
        SACHS MITSUI MARINE 

      DERIVATIVE
        PRODUCTS, L.P.

      a
        limited
        partnership organized

      under
        the
        laws of Delaware

      (“Party
        A”),

      

      and

      

      DEUTSCHE
        BANK NATIONAL TRUST COMPANY,

      not
        in
        its individual capacity but solely as Supplemental 

      Interest
        Trust Trustee on behalf of the Supplemental 

      Interest
        Trust with respect to the Mortgage 

      Pass-Through
        Certificates,

      Series
        2007-S1

      (“Party
        B”).

      

      

      

      

      Part
        1. Termination Provisions.

      

      (a)        
         “Specified
        Entity”
        means in
        relation to Party A for the purpose of:

      

      Section
        5(a)(v), Not Applicable.

      Section
        5(a)(vi), Not Applicable.

      Section
        5(a)(vii), Not Applicable.

      Section
        5(b)(iv), Not Applicable.

      

      and
        in
        relation to Party B for the purpose of:

      

      Section
        5(a)(v), Not Applicable.

      Section
        5(a)(vi), Not
        Applicable.

      Section
        5(a)(vii), Not Applicable.

      Section
        5(b)(iv), Not
        Applicable.

      

      (b)        
         “Specified
        Transaction”
shall
        have the meaning specified in Section 14 of this Agreement. 

      

      (c)       
          The
        “Breach
        of Agreement”
        provisions of Section 5(a)(ii) will not apply to Party A or Party B.

      

      (d)       
          The
        “Credit
        Support Default”
        provisions of Section 5(a)(iii) will apply to Party A and will not apply
        to
        Party B.

      

      (e)       
          The
        “Misrepresentation”
        provisions of Section 5(a)(iv) will not apply to Party A or Party
        B.

      

      
        	(f)          	
                The
                  “Cross
                  Default”
                  provisions of Section 5(a)(vi) will not apply to Party A or Party
                  B.
                  

              

      

       

      
        	(g)       
                  	
                With
                  respect to Party B only, Section 5(a)(vii)(2) is hereby amended
                  as
                  follows:

              

      

       

      “(2)
        becomes insolvent or is unable to pay its debts (other than payments due
        to
        holders of its subordinate certificates) or fails or admits in writing its
        inability generally to pay its debts (other than payments to holders of its
        subordinate certificates) as they become due”

       

      
        	(h)       
                  	
                The
                  “Merger
                  without Assumption”
                  provisions of Section 5(a)(viii) will apply to Party A and will
                  not apply
                  to Party B.

              

      

       

      
        	(i)        
                  	
                The
                  “Credit
                  Event Upon Merger”
                  provisions of Section 5(b)(iv) will not apply to Party A or Party
                  B.

              

      

       

      
        	(j)        
                  	
                The
                  “Automatic
                  Early Termination”
                  provisions of Section 6(a) will not apply to Party A or Party
                  B.

              

      

       

      
        	(k)       
                  	
                Payments
                  on Early Termination.
                  For the purpose of Section 6(e):

              

      

       

      (i) Market
        Quotation will apply.

      

      (ii) The
        Second Method will apply.

       

      
        	(l)         
                 	
                "Termination
                  Currency"
                  means U.S. Dollars.

              

      

       

      
        	(m)      
                  	
                The
                  “Additional
                  Termination Event”
                  provisions of Section 5(b)(v) will apply as set forth in Part 5(n)
                  hereof.

              

      

       

      
        	(n)       
                  	
                The
                  “Default
                  under Specified Transaction”
                  provisions of Section 5(a)(v) will not apply to Party A or Party
                  B.

              

      

       

      
        	(o)       
                  	
                The
                  “Tax
                  Event”
                  provisions of Section 5(b)(ii) will apply to Party A and will not
                  apply to
                  Party B.

              

      

       

      
        	(p)       
                  	
                The
                  “Tax
                  Event Upon Merger”
                  provisions of Section 5(b)(iii) will apply to Party A and will
                  not apply
                  to Party B.

              

      

       

      Part
        2. Tax Representations.

       

      (a)        
         Payer
        Representations.
        For
        purposes of Section 3(e) of this Agreement, Party A and Party B each make
        the
        following representation:

      

      It
        is not
        required by any applicable law, as modified by the practice of any relevant
        governmental revenue authority, of any Relevant Jurisdiction to make any
        deduction or withholding for or on account of any Tax from any payment (other
        than interest under Section 2(e), 6(d)(ii) or 6(e) of this Agree-ment) to
        be
        made by it to the other party under this Agreement. In making this
        representation, it may rely on (i) the accuracy of any representations made
        by the other party pursuant to Section 3(f) of this Agreement, (ii) the
        satisfaction of the agreement contained in Section 4(a)(i) or 4(a)(iii) of
        this
        Agreement and the accuracy and effectiveness of any document provided by
        the
        other party pursuant to Section 4(a)(i) or 4(a)(iii) of this Agreement, and
        (iii) the satisfaction of the agreement of the other party contained in Section
        4(d) of this Agreement, provided that it shall not be a breach of this
        representation where reliance is placed on subclause (ii) and the other
        party does not deliver a form or document under Section 4(a)(iii) by reason
        of
        material prejudice to its legal or commercial position.

      

      Party
        A Payee Representations.
        For the
        purpose of Section 3(f) of this Agreement, Party A makes the following
        representations:

      

      
        	
                (i)

              	
                It
                  is a “U.S. payee” within the meaning of Treasury Regulation Section
                  1.1441-5(b).

              

      

      

      
        	
                (ii)

              	
                It
                  is a United States person within the meaning of Section 7701(a)(30)
                  of the
                  Internal Revenue Code of 1986, as
                  amended.

              

      

      

      Party
        B Payee Representations. For
        the
        purpose of Section 3(f) of this Agreement, Party B makes the following
        representation:

       

      
        	
                (i)

              	
                It
                  is a trust created under an agreement governed by New York
                  law.

              

      

      

      Part
        3. Agreement to Deliver Documents.

      

      For
        the
        purpose of Section 4(a), each party agrees to deliver the following documents,
        as applicable:

      

      (a)        
         Tax
        forms, documents, or certificates to be delivered are:

      

      Party
        A
        agrees to complete, execute, and deliver to Party B, United States Internal
        Revenue Service Form W-9 or any successor of such form: (i) on a date which
        is
        before the first scheduled payment date under this Agreement; (ii) promptly
        upon
        reasonable demand by Party B; and (iii) promptly upon learning that any such
        forms previously provided by Party A has become obsolete or
        incorrect.

      

      Party
        B
        agrees to complete, execute, and deliver to Party A, United States Internal
        Revenue Service Form W-9 or any successor of such forms: (i) on a date which
        is
        before the first scheduled payment date under this Agreement; (ii) promptly
        upon
        reasonable demand by Party A; and (iii) promptly upon learning that any such
        forms previously provided by Party B has become obsolete or
        incorrect.

      

      (b)        
         Other
        documents to be delivered are:

      

      
        	
                 

                Party
                  required to 

                deliver
                  document

              	
                 

                Form/Document/
                  Certificate

              	 	
                Date
                  by which

                to
                  be delivered

              	
                Covered
                  by Section 3(d) Representation

              
	
                Party
                  A

              	
                Power
                  of Attorney with respect to Party A

              	 	
                At
                  execution of this Agreement

              	
                Yes

              
	 	 	 	 	 
	
                Party
                  A

              	
                Support
                  Agreement dated as of October 8, 1993 among Party A, Mitsui Marine
                  and Fire Insurance Co., Ltd. ("Mitsui Marine"), and The Goldman
                  Sachs
                  Group, Inc.

                ("Goldman
                  Group") (the "Support Agreement") accompanied by a certificate
                  of an
                  authorized officer of Party A, certifying that it is a true, complete
                  and
                  correct copy of the original Support Agreement

              	 	
                At
                  execution of this Agreement

              	
                Yes

              
	
                 

                Party
                  A

              	
                 

                Guaranty
                  dated as of December 20, 2000 between Mitsui Marine and Goldman
                  Sachs
                  Group (the "Guaranty"), accompanied by a certificate certifying
                  that it is
                  a true, complete and correct copy of the original Guaranty

              	 	
                 

                At
                  execution of this Agreement

              	
                 

                Yes

              
	 	 	 	 	 
	
                Party
                  A

              	
                Most
                  recently prepared annual balance sheet of Party A

              	 	
                As
                  soon as possible following request of Party B

              	
                Yes

              
	 	 	 	 	 
	
                Party
                  A

              	
                Legal
                  opinions with respect to Party A

              	 	
                At
                  execution of this Agreement

              	
                No

              
	 	 	 	 	 
	
                Party
                  B

              	
                Incumbency
                  certificate or other documents evidencing the authority, incumbency
                  and
                  specimen signature of each person executing this Agreement, any
                  Credit
                  Support Document or any Confirmation, as the case may be.

              	 	
                At
                  execution of this Agreement

              	
                Yes

              
	 	 	 	 	 
	
                Party
                  B

              	
                Servicer
                  Remittance Reports

              	 	
                Promptly
                  upon becoming available

              	
                Yes

              
	 	 	 	 	 
	
                Party
                  B

              	
                Legal
                  opinion with respect to Party B

              	 	
                At
                  execution of this Agreement

              	
                No

              
	 	 	 	 	 
	
                Party
                  B

              	
                An
                  executed copy of the Pooling and Servicing Agreement dated as of
                  February
                  1, 2007, (the “Pooling and Servicing Agreement”) among GS Mortgage
                  Securities Corp., as depositor, Specialized
                  Loan Servicing LLC, as a servicer, Avelo Mortgage, L.L.C., as a
                  servicer,
                  U.S. Bank National Association, as a custodian, Deutsche Bank National
                  Trust Company, as a trustee, and Wells Fargo Bank, National Association,
                  as master servicer.

              	 	
                Within
                  30 days after the date of this Agreement

                 

              	
                No

              

      

      

      

      Part
        4. Miscellaneous.

      

      (a)        
         Addresses
        for Notices.
        For the
        purpose of Section 12(a): Address for notices or communications to Party
        A:

      

      
        	 	
                Address:

              	
                85
                  Broad Street

                New
                  York, New York 10004

                U.S.A.

                 

              
	 	
                Attention:

              	
                Swap
                  Administration

                 

              
	 	
                Telex
                  No.:

              	
                421344

              
	 	
                Answerback:

              	
                GOLSAX

              
	 	
                Facsimile
                  No.:

              	
                (212)
                  902-0996

              
	 	
                Telephone
                  No.:

              	
                (212)
                  902-1000

              
	 	
                Electronic
                  Messaging 

                System
                  Details:

              	
                 

                None

              

      

      

      With
        a
        copy to:

      

      
        	 	
                Address:

              	
                85
                  Broad Street

                New
                  York, New York 10004

                U.S.A.

                 

              
	 	
                Attention:

              	
                Treasury
                  Administration

                 

              
	 	
                Telex
                  No.:

              	
                421344

              
	 	
                Answerback:

              	
                GOLSAX

              
	 	
                Facsimile
                  No.:

              	
                (212)
                  902-3325

              
	 	
                Telephone
                  No.:

              	
                (212)
                  902-1000

              
	 	
                Electronic
                  Messaging 

                System
                  Details:

              	
                 

                None

              

      

      

      

      Addresses
        for Notices.
        For the
        purpose of Section 12(a): Address for notices or communications to Party
        B:

      

      
        	 	
                Address:

              	
                Deutsche
                  Bank National Trust Company

                1761
                  East St. Andrew Place

                Santa
                  Ana, California 92705-4934

                 

              
	 	
                Attention:

              	
                Trust
                  Administration - GS071S

                 

              
	 	
                Facsimile
                  No.:

              	
                (714)
                  247-6478

              
	 	
                Telephone
                  No.:

              	
                (714)
                  247-6000

              

      

      

      (b)        
         Process
        Agent. For
        the
        purpose of Section 13(c):

      

      Party
        A
        appoints as its Process Agent: Not Applicable

      

      Party
        B
        appoints as its Process Agent: Not Applicable

      

      With
        a
        copy to:

      

      
        	 	
                Address:

              	
                Standard
                  & Poor's Ratings Services,

                55
                  Water Street,

                New
                  York, New York 10041-0003

                 

              
	 	
                Attention:

              	
                Residential
                  Mortgage Surveillance Group

                 

              
	 	
                Facsimile:

              	
                212-438-2652

              

      

      

      With
        a
        copy to:

      

      
        	 	
                Address:

              	
                Moody’s
                  Investors Service, Inc.

                99
                  Church Street

                New
                  York, New York 10007

                 

              
	 	
                Attention:

              	
                Residential
                  Mortgage Backed Securities Group

                 

              
	 	
                Facsimile:

              	
                201-915-8739

              

      

      

      

      (c)        
         Offices;
        Multibranch Parties.

      

      
        	(i)  	
                The
                  provisions of Section 10(a) will be
                  applicable.

              

      

      

      
        	(ii)  	
                For
                  the purpose of Section 10(c):

              

      

      

      Party
        A
        is not a Multibranch Party.

      

      Party
        B
        is not a Multibranch Party.

      

      (d)        
         Calculation
        Agent.
        The
        Calculation Agent is Party A.

      

      (e)        
         Credit
        Support Document.
        Details
        of any Credit Support Document. 

      

      (i) With
        respect to Party A, (A) the Support Agreement, (B) the Guaranty and
        (C) any Credit Support Annex that may be entered into in connection with
        any of the events described in Part 5(n)(iii) of this Schedule.

      

      (ii) With
        respect to Party B, not applicable.

      

      Each
        Credit Support Document is incorporated by reference into and constitutes
        part
        of this Agreement and each Confirmation as if set forth in full in this
        Agreement or such Confirmation.

      

      (f)        
         Credit
        Support Provider.

      

      
        	(i)    
                  	
                Credit
                  Support Provider means in relation to Party A, Goldman Group and
                  Mitsui
                  Marine; provided that all defaults by, misrepresentations of, actions
                  or
                  failures to act by, or circumstances or events applicable to a
                  "Credit
                  Support Provider" as such term is used in this Agreement shall
                  be deemed
                  in all such circumstances to refer to defaults simultaneously in
                  effect
                  with respect to both Goldman Group and Mitsui Marine, misrepresentations
                  made by both Goldman Group and Mitsui Marine, actions or failures
                  to act
                  simultaneously by both Goldman Group and Mitsui Marine, and circumstances
                  or events simultaneously applicable to both Goldman Group and Mitsui
                  Marine.

              

      

      

      
        	(ii)  
                  	
                Credit
                  Support Provider means in relation to Party B, Not
                  Applicable.

              

      

      

      (g)        
         Governing
        Law.
        This
        Agreement and each Confirmation will be governed by, and construed and enforced
        in accordance with, the substantive law of the State of New York,
        without reference
        to its choice of law doctrine.

      

      (h)       
         Jurisdiction.
        Section
        13(b) is hereby amended by: (i) deleting in the second line of subparagraph
        (i)
        thereof the word "non-"; and (ii) deleting the final paragraph
        thereof.

      

      (i)        
         Netting
        of Payments.
        Subparagraph (ii) of Section 2(c) will apply to Transactions with effect
        from
        the date of this Agreement. Notwithstanding anything to the contrary in Section
        2(c), amounts that are payable with respect to the same Calculation Period
        shall
        be netted, as provided in Section 2(c), even if such amounts are not due
        on the
        same Payment Date.

      

      (j)         
         “Affiliate”
will
        have the meaning specified in Section 14; provided, however, Party B shall
        be
        deemed to have no Affiliates.

      

      Part
        5. Other Provisions.

      

      (a)        
         Accuracy
        of Specified Information.
        With
        respect to Party A, Section 3(d) is hereby amended by adding in the third
        line
        thereof after the word “respect” and before the period the words “or, in the
        case of audited or unaudited financial statements or balance sheets, a fair
        presentation of the financial condition of the relevant person.”

      

      (b)        
         Transfer.
        Section
        7 is hereby amended by:

      

      
        	(i)   
                  	
                adding
                  in the third line thereof after the word “party,” the words “which consent
                  shall not be unreasonably withheld or delayed” and adding in the third
                  line thereof after the clause “that: -“ the words “provided
                  that the Rating Agency Condition is satisfied in all events (including
                  in
                  the event of a transfer under Section
                  6(b)(ii));

              

      

      

      
        	(ii)  
                  	
                adding
                  in the second line of subparagraph (a) thereof after the words
“assets
                  to,” the words “or reorganization, incorporation, reincorporation,
                  reconstitution, or reformation into or
                  as”;

              

      

      

      
        	(iii) 
                  	
                deleting
                  at the end of subparagraph (a) thereof the word
                  “and”;

              

      

      

      
        	(iv)  
                  	
                deleting
                  in the second line of subparagraph (b) thereof the period and replacing
                  it
                  with “; and”;

              

      

      

      
        	(v)   
                  	
                adding
                  after subparagraph (b) thereof the following subparagraph
                  (c):

              

      

      

      (c) in
        addition to, and not in lieu of, the preceding transfer rights, Party A may,
        without recourse by Party B or Party A's transferee to or against Party A,
        transfer this Agreement, in whole, but not in part, to any of Party A's
        Affiliates or any of the Affiliates of Goldman Group pursuant to documentation
        prepared by Party A, provided that: 

      

      
        	(i)  	
                either
                  (A) such transferee must have a long-term, unsecured, unsubordinated
                  debt
                  obligation ratings or financial program ratings (or other similar
                  ratings)
                  by S&P which are equal to or greater than the comparable long-term,
                  unsecured, unsubordinated debt obligation ratings or financial
                  program
                  ratings (or other similar ratings) of Party A immediately prior
                  to such
                  transfer, or (B) the obligations transferred to such transferee must
                  be guaranteed by Party A pursuant to a guaranty in substantially
                  the form
                  of the Guaranty of the Credit Support Provider or other agreement
                  or
                  instrument consented to by Party B or other agreement or instrument
                  mutually agreed upon by both parties and satisfactory to S&P;
                  

              

      

       

      
        	(ii)  	
                the
                  transferee will not, as a result of such transfer, be required
                  to withhold
                  or deduct on account of a Tax under Section 2(d)(i) on the next
                  succeeding Scheduled Payment Date an amount in excess of that which
                  Party A would have been required to so withhold or deduct on the next
                  succeeding Scheduled Payment Date in the absence of such transfer
                  unless
                  the transferee will be required to make payments of additional
                  amounts
                  pursuant to Section 2(d)(i)(4) in respect of such excess;
                  

              

      

      

      
        	(iii)  	
                an
                  Event of Default or a Termination Event does not occur as a result
                  of such
                  transfer;

              

      

      

      
        	(iv)  	
                the
                  Rating Agency Condition is satisfied. With respect to the results
                  described in subclause (ii) above, Party A will cause the transferee
                  to
                  make, and Party B will make, such reasonable Payer Tax Representations
                  and
                  Payee Tax Representations as may be mutually agreed upon by the
                  transferee
                  and Party B in order to permit such parties to determine that such
                  results
                  will not occur upon or after the
                  transfer;

              

      

      

      
        	(v)  	
                Party
                  A agrees to transfer only to a transferee in a jurisdiction, which
                  it is
                  aware is a “netting” jurisdiction, that is in which, by opinion of counsel
                  published by ISDA, netting under this Agreement shall be enforceable;
                  and

              

      

      

      
        	(vi)  	
                Party
                  A will be responsible for any costs or expenses incurred in connection
                  with such transfer.

              

      

      

      (vi)    
         adding
        at
        the end of Section 7 the following sentence:

      

      Except
        as
        may otherwise be stated in Section 7(c) hereof or in the documentation
        evidencing a transfer, a transfer of all of the obligations of Party A made
        in
        compliance with this Section will constitute an acceptance and assumption
        of
        such obligations (and any related interests so transferred) by the transferee,
        a
        novation of the transferee in place of Party A with respect to such obligations
        (and any related interests so transferred), and a release and discharge by
        Party
        B of Party A from, and an agreement by Party B not to make any claim for
        payment, liability, or otherwise against Party A with respect to, such
        obligations from and after the effective date of the transfer.

      

      (c)       
         Set-Off.
        Notwithstanding
        the last sentence of the first paragraph of Section 6(e) of this Agreement,
        but
        without affecting the provisions of this Agreement requiring the calculation
        of
        certain net payment amounts as a result of an Event of Default or Termination
        Event or otherwise, all payments under this Agreement will be made without
        setoff or counterclaim.

      

      (d)       
         Reference
        Market-makers.
        The
        definition of "Reference Market-makers" in Section 14 is hereby amended by
        adding in the fourth line thereof after the word "credit" the words "or to
        enter
        into transactions similar in nature to Transactions".

      

      (e)       
         Procedures
        for Entering into Transactions.
        On or
        promptly following the Trade Date or other transaction date of each Transaction,
        Party A will send to Party B a Confirmation. Party B will promptly thereafter
        request any correction of such Confirmation (indicating how it believes the
        terms of such Confirmation should be correctly stated and such other terms
        which
        should be added to or deleted from such Confirmation to make it
        correct).

      

      (f)        
         Severability.
        If any
        term, provision, covenant, or condition of this Agreement, or the application
        thereof to any party or circumstance, shall be held to be invalid or
        unenforceable (in whole or in part) for any reason, the remaining terms,
        provisions, covenants, and conditions hereof shall continue in full force
        and
        effect as if this Agreement had been executed with the invalid or unenforceable
        portion eliminated, so long as this Agreement as so modified continues to
        express, without material change, the original intentions of the parties
        as to
        the subject matter of this Agreement and the deletion of such portion of
        this
        Agreement will not substantially impair the respective benefits or expectations
        of the parties to this Agreement; provided, however, that this severability
        provision shall not be applicable if any provision of Section 2, 5, 6, or
        13 (or
        any definition or provision in Section 14 to the extent it relates to, or
        is
        used in or in connection with any such Section) shall be so held to be invalid
        or unenforceable.

      

      (g)       
         Waiver
        of Right to Trial by Jury.
        Each
        party hereby irrevocably waives, to the fullest extent permitted by applicable
        law, any right it may have to trial by jury in respect of any suit, action
        or
        proceeding relating to this Agreement. 

      

      (h)       
         Credit
        Support Default.
        Subparagraph (3) of Section 5(a)(iii) is hereby amended by adding in the
        second
        line thereof after the word "Document" and before the semicolon the words
        "(or
        such action is taken by any person or entity appointed or empowered to operate
        it or act on its behalf)."

      

      (i)        
         Additional
        Representations. Section
        3
        is hereby amended by adding the following additional subsections:

      

      (i) No
        Agency.
        With
        respect to Party A, it is entering into this Agreement and each Transaction
        as
        principal (and not as agent or in any other capacity, fiduciary or otherwise)
        and, with respect to Party B, Deutsche
        Bank National Trust Company
        is
        entering into the Agreement in its capacity as Trustee for Party B.

      

      (ii) Eligible
        Contract Participant.
        It is
        an "eligible contract participant" as defined in the U.S. Commodity Exchange
        Act.

      

      (iii) Non-Reliance.
        Party
        A
        is acting for its own account and Deutsche
        Bank National Trust Company
        is
        acting as Trustee for Party B. It has made its own independent decisions
        to
        enter into that Transaction and as to whether that Transaction is appropriate
        or
        proper for it based upon its own judgment and upon advice from such advisers
        as
        it has deemed necessary. It is not relying on any communication (written
        or
        oral) of the other party as investment advice or as a recommendation to enter
        into that Transaction; it being understood that information and explanations
        related to the terms and conditions of a Transaction shall not be considered
        investment advice or a recommendation to enter into that Transaction. No
        communication (written or oral) received from the other party shall be deemed
        to
        be an assurance or guarantee as to the expected results of that
        Transaction.

      

      (iv) Assessment
        and Understanding; Status of Parties.
        It is
        capable of assessing the merits of and understanding (on its own behalf or
        through independent professional advice), and understands and accepts, the
        terms, conditions and risks of that Transaction. It is also capable of assuming,
        and assumes, the risks of that Transaction. The other party is not acting
        as a
        fiduciary for or an adviser to it in respect of that Transaction.

      

      (j)        
         RESERVED.

      

      (k)       
         Regarding
        Party A.
        Party B
        acknowledges and agrees that Party A has had and will have no involvement
        in
        and, accordingly, accepts no responsibility for: (i) the establishment,
        structure, or choice of assets of Party B; (ii) the selection of any person
        performing services for or acting on behalf of Party B; (iii) the selection
        of
        Party A as the counterparty; (iv) the terms of the Certificates; (v) the
        preparation of or passing on the disclosure and other information contained
        in
        any prospectus or prospectus supplement for the Certificates, the Pooling
        and
        Servicing Agreement, or any other agreements or documents used by Party B
        or any
        other party in connection with the marketing and sale of the Certificates;
        (vi)
        the ongoing operations and administration of Party B, including the furnishing
        of any information to Party B which is not specifically required under this
        Agreement; or (vii) any other aspect of Party B's existence except for those
        matters specifically identified in this Agreement.

      

      (l)        
         No
        Recourse.
        The
        Certificates represent an equity interest in Party B only and the foregoing
        does
        not represent an interest in or obligation of Party A, and no recourse may
        be
        had by the holders of the Certificates against Party A or its assets with
        respect to the Notes and the Certificates and/or this Agreement.

      

      (m)      
         Indemnifiable
        Tax.
        Party A
        agrees that Party B will not be required to pay any additional amounts pursuant
        to Section 2(d)(i)(4) of the Agreement in respect of an Indemnifiable Tax.
        If
        Party A is required to pay additional amounts in respect of a withholding
        tax
        pursuant to Section 2(d)(i)(4) of this Agreement, Party A may transfer this
        Agreement, subject to satisfaction of the Rating Agency Condition, as provided
        in Section 6(b)(ii) of this Agreement and such transfer shall not require
        the
        consent of Party B to the extent it is in conformance with the provisions
        of
        Section 7(c), as amended herein.

      

      (n)       
         Additional
        Termination Events.

      

      
        	(i)  	
                It
                  shall be an Additional Termination Event, with Party A as the sole
                  Affected Party, if the Depositor determines at any time that it
                  is
                  required for purposes of compliance with Item 1115(b) of Regulation
                  AB to
                  provide any financial or other data relating to Party A and, within
                  15
                  calendar days of such determination, Party A fails to assign this
                  Agreement and all of its obligations hereunder to a substitute
                  counterparty that (A) has agreed to provide any financial or other
                  data
                  required under Regulation AB, (B) has agreed to provide indemnifications
                  relating to such financial or other data acceptable to the Depositor,
                  (C)
                  satisfies the Rating Agency Condition and (D) is approved by the
                  Depositor
                  (which approval shall not be unreasonably withheld). For the avoidance
                  of
                  doubt, unless otherwise specified in this Agreement, Party A shall
                  be
                  under no obligation to provide any such financial or other data,
                  whether
                  in connection with this Termination Event or otherwise. For purposes
                  of
                  this Termination Event, (i) "Commission" shall mean the Securities
                  and
                  Exchange Commission, (ii) "Depositor" shall mean GS Mortgage Securities
                  Corp., and (iii) "Regulation AB" shall mean the Asset Backed Securities
                  Regulation AB, 17 C.F.R. §§229.1100-229.1123, as such may be amended from
                  time to time, and subject to such clarification and interpretation
                  as have
                  been provided by the Commission in the adopting release (Asset-Backed
                  Securities, Securities Act Release No. 33-8518, 70 Fed. Reg. 1,506,
                  1,531
                  (Jan. 7, 2005)) or by the staff of the Commission, or as may be
                  provided
                  by the Commission or its staff from time to
                  time.

              

      

       

      
        	(ii)  	
                It
                  shall also be an Additional Termination Event if (i) an Optional
                  Termination Date is designated pursuant to the Pooling and Servicing
                  Agreement (a “Redemption Termination”) and (ii) there remains no more than
                  5 Business Days prior to the proposed Redemption Date. In the case
                  of a
                  Redemption Termination, both Party A and Party B shall have the
                  right to
                  cause a termination of this Agreement and, for purposes of Section
                  6(e)(ii) of this Agreement, Party B shall be the sole Affected
                  Party.
                  Following notification from the Trustee that it has received a
                  redemption
                  notice, Party A shall provide the Trustee from time to time, upon
                  request,
                  with good faith estimates of the amount that would be payable under
                  Section 6(e)(ii) in the event of such Redemption Termination. Any
                  termination payment payable in respect of such Additional Termination
                  Event shall be paid on the relevant Redemption
                  Date.

              

      

       

      
        	(iii)  	
                (I)
                  It shall also be an Additional Termination Event, with Party A
                  the sole
                  Affected Party (except as expressly provided herein) if Party A,
                  a
                  replacement counterparty, or a person or an entity that guarantees
                  the
                  obligations of Party A or a replacement counterparty, as the case
                  may be,
                  has a rating that does not satisfy the Required Hedge Counterparty
                  Rating
                  (but is at least “BBB-” or “A-3” (if applicable) by S&P and at least
                  “A1” by Moody’s) and none of the following events has occurred:
                  

              

      

       

      
        	(A)  	
                within
                  30 days of such failure to satisfy the Required Hedge Counterparty
                  Rating,
                  Party A or such replacement counterparty, as the case may be, transfers
                  this Agreement, in whole, but not in part, to a counterparty that
                  satisfies the Required Hedge Counterparty Rating, subject to satisfaction
                  of the Rating Agency Condition; 

              

      

      

      
        	(B)  	
                within
                  30 days of such failure to satisfy the Required Hedge Counterparty
                  Rating,
                  Party A or such replacement counterparty, as the case may be,
                  collateralizes its Exposure to Party B pursuant to an ISDA Credit
                  Support
                  Annex, subject to satisfaction of the Rating Agency Condition,
                  as
                  applicable; provided that such ISDA Credit Support Annex shall
                  be made a
                  Credit Support Document for Party A pursuant to an amendment of
                  this
                  Agreement in a form acceptable to the Trustee which amendment shall
                  also
                  be subject to satisfaction of Rating Agency Condition;
                  

              

      

      

      
        	(C)  	
                within
                  30 days of such failure to satisfy the Required Hedge Counterparty
                  Rating,
                  the obligations of Party A or such replacement counterparty, as
                  the case
                  may be, under this Agreement are guaranteed by a person or entity
                  that
                  satisfies the Required Hedge Counterparty Rating, subject to satisfaction
                  of the Rating Agency Condition; or 

              

      

      

      
        	(D)  	
                within
                  30 days of such failure to satisfy the Required Hedge Counterparty
                  Rating,
                  Party A or such replacement counterparty, as the case may be, takes
                  such
                  other steps, if any, to enable the Issuer to satisfy the Rating
                  Agency
                  Condition. 

              

      

      

      (II) It
        shall
        also be an Additional Termination Event, with Party A as the sole Affected
        Party
        (except as expressly provided herein) if Party A, a replacement counterparty,
        or
        a person or an entity that guarantees the obligations of Party A or a
        replacement counterparty, as the case may be, has a rating withdrawn or reduced
        below "BBB-" or "A-3" (if applicable) by S&P or below “A1” by Moody’s and
        within 7 days thereafter, Party A or such replacement counterparty, as the
        case
        may be, while collateralizing its Exposure to Party B, fails to transfer
        this
        Agreement, in whole, but not in part, to a counterparty that satisfies the
        Required Hedge Counterparty Rating, subject to satisfaction of the Rating
        Agency
        Condition.

       

      Upon
        downgrade of Party A below the Required Hedge Counterparty Rating or below
        "BBB-" or "A-3" (if applicable) by S&P or below “A1” by Moody’s, or if
        S&P or Moody’s withdraws its ratings for any reason, Party A will promptly
        give notice of the circumstances to Party B and to the rating agencies that
        at
        the time are providing ratings for the Certificates.

       

      Party
        B
        shall be entitled to (A)(1) in case of an Additional Termination Event described
        in Part 5(n)(iii)(I), designate a date that is not earlier than the expiration
        of the 30 day period referred to in Part 5(n)(iii)(I) as an Early Termination
        Date in respect of all transactions under this Agreement by giving notice
        to
        Party A at least 10 days prior to the date so designated (which notice may
        be
        given prior to the expiration of such 30 day period) and (2) in case of an
        Additional Termination Event described in this Part 5(n)(iii)(II), immediately
        designate an Early Termination Date, in respect of all transactions under
        this
        Agreement by giving notice to Party A and (B) no later than the respective
        dates
        specified in clause (A)(1) and (A)(2), transfer the rights and obligations
        of
        Party A hereunder to a counterparty that satisfies the Required Hedge
        Counterparty Rating, subject to satisfaction of the Rating Agency
        Condition.

       

      In
        connection with a transfer of this Agreement as described in this Part
        5(n)(iii), Party A shall, at its sole cost and expense, use commercially
        reasonable efforts to seek a replacement counterparty. In addition, if Party
        A
        pursues any of the alternative actions contemplated in paragraphs (A), (B),
        (C)
        and (D) of Part 5(n)(iii)(I) above, it shall do so at its sole cost and
        expense.

       

      As
        used
        herein, “Required Hedge Counterparty Rating” means, with respect to a
        counterparty or entity guaranteeing the obligations of such counterparty,
        (x)
        either (i) if such counterparty or entity has only a long-term rating by
        Moody's, a long-term senior, unsecured debt obligation rating, financial
        program
        rating or other similar rating (as the case may be, the "Long-Term rating")
        of
        at least "Aa3" by Moody's and if rated "Aa3" by Moody's is not on negative
        credit watch by Moody's or (ii) if such counterparty or entity has a Long-Term
        Rating and a short-term rating by Moody's, a Long-Term Rating of at least
        "A1"
        by Moody's and a short-term rating of "P-1" by Moody's and, in each case,
        such
        rating is not on negative credit watch by Moody's and (y) (i) a short-term
        rating of at least "A-1" by S&P or (ii) if such counterparty or entity does
        not have a short-term rating by S&P, a Long-Term Rating of at least "A+" by
        S&P.

       

      For
        the
        purposes of determining the Settlement Amount with respect to the designation
        of
        an Early Termination Date arising from the Additional Termination Event
        specified in Part 5(n)(iii), both Party A and Party B shall be Affected Parties.
        If the Settlement Amount calculated pursuant to this subclause (iii) is an
        amount owing by Party B to Party A, then such payment shall be a Swap
        Termination Payment payable by Party B to Party A in accordance with the
        priority of payments described in the Pooling and Servicing Agreement;
provided,
        however,
        that
        (a) if Party A does not after the exercise of commercially reasonable efforts
        cause any of the conditions specified in Part 5(n)(iii)(I)(A) to (D) to be
        satisfied, Party B shall use commercially reasonable efforts to enter into
        a
        replacement Transaction(s) with a counterparty acceptable to the Rating
        Agencies, in respect of the Affected Transaction(s) relating to the Additional
        Termination Event; and (b) where multiple quotations are available such
        replacement Transaction(s) shall be entered into based on the quoted price(s)
        that would result in the largest payment made to Party B by the replacement
        counterparty (it being understood that Party A may be permitted to actively
        solicit and obtain such quotations on behalf of Party B); and (c) to the
        extent
        that payments are received by Party B as a result of entering into such
        replacement Transaction(s), then Party A shall have first priority as to
        such
        payments versus all other creditors of Party B and Party B shall pay the
        lesser
        of (x) the amount so received and (y) the Swap Termination Payment to the
        extent
        not already paid by Party B over to Party A immediately upon receipt.

       

      As
        used
        herein, “Exposure” means, as of any date of determination, the amount, if any,
        that would be payable to Party B by Party A under this Agreement if an Early
        Termination Date were to occur as of such date of determination as a result
        of a
        Termination Event, Party A were the sole Affected Party, all Transactions
        were
        terminated in connection with such Early Termination Date and (solely for
        purposes of determining Exposure) the amount of such payment were calculated
        using Market Quotation.

       

      For
        any
        Additional Termination Event, the date that Party A or Party B, as the
        case may be, specifies in its notice of its election to terminate shall be
        the
        Early Termination Date for the Transactions; provided,
        that
        solely in the case of an Additional Termination Event described in subclause
        (ii) above, the Early Termination Date shall be no earlier than the 3rd Business
        Day preceding the Redemption Date and no later than the Redemption Date.
        

      

      (o)       
         Indemnifiable
        Tax.
        The
        definition of "Indemnifiable Tax" in Section 14 is hereby amended by adding
        the
        following sentence at the end thereof:

      

      Notwithstanding
        the foregoing, "Indemnifiable
        Tax"
        also
        means any Tax imposed in respect of a payment under this Agreement by reason
        of
        a Change in Tax Law by a government or taxing authority of a Relevant
        Jurisdiction of the party making such payment, unless the other party is
        incorporated, organized, managed and controlled, or considered to have its
        seat
        in such jurisdiction, or is acting for purposes of this Agreement through
        a
        branch or office located in such jurisdiction.

      

      (p)       
         Limited
        Recourse; Non-petition.
        Party A
        agrees that the obligations of Party B hereunder are limited recourse
        obligations payable solely from the assets of Party B, and due to the extent
        funds are available for the payment thereof in accordance with the priority
        of
        payments described in the Pooling and Servicing Agreement. Party A agrees
        that
        it will not, prior to the date which is at least one year and one day or,
        if
        longer, the then applicable preference period following the payment in full
        of
        all the Certificates issued pursuant to the Pooling and Servicing Agreement
        and
        the expiration of all applicable preference periods under Title 11 of the
        United
        States Code or other applicable law relating to any such payment, acquiesce,
        petition or otherwise invoke or cause Party B to invoke the process of any
        governmental authority for the purpose of commencing or sustaining a case
        (whether voluntary or involuntary) against Party B under any bankruptcy,
        insolvency or similar law or appointing a receiver, liquidator, assignee,
        trustee, custodian, sequestrator or other similar official of Party B or
        any
        substantial part of its property or ordering the winding-up or liquidation
        of
        the affairs of Party B. Nothing contained herein shall prohibit Party A from
        submitting a claim, or proof of claim, in any proceeding or process instituted
        by or against Party B by any person other than Party A or its Affiliates.
        Party
        A and Party B agree that this Part 5(p) shall survive the termination of
        this
        Agreement for any reason whatsoever.

      

      (q)       
         Trustee
        Capacity. It
        is
        expressly understood and agreed by the parties hereto that insofar as this
        Agreement is executed by the Trustee (i) this Agreement is executed and
        delivered by Deutsche
        Bank National Trust Company,
        not in
        its individual capacity but solely as Trustee under the Pooling and Servicing
        Agreement in the exercise of the powers and authority conferred to and vested
        in
        it thereunder and (ii) under no circumstances shall Deutsche
        Bank National Trust Company
        in its
        individual capacity be personally liable for the payment of any indebtedness
        or
        expenses or be personally liable for the breach or failure of any obligation,
        representation, warranty or covenant made or undertaken under this Agreement
        on
        behalf of Party B or any assignee.

      

      (r)        
         Additional
        Party A Covenant. Following
        a failure to satisfy the Required Hedge Counterparty Rating in accordance
        with
        Part 5(n)(iii)(I), Party A shall take the actions described in accordance
        with
        Part 5(n)(iii)(I)(A), (B), (C) or (D). Following a failure to satisfy the
        rating
        requirements set forth in Part 5(n)(iii)(II), Party A shall take the actions
        described in accordance with Part 5(n)(iii)(II). 

      

      (s)        
         Agreements:
        Furnish Specified Information. Section
        4(a) is hereby amended by adding at the end thereof the following
        paragraph:

      

      Notwithstanding
        the foregoing provisions of this Section 4(a), the parties agree that, pursuant
        to the terms of the Power of Attorney with respect to Party A referred to
        in
        Part 3(b) of this Schedule, any one or more of the officers of Party A's
        general
        partner who has been designated as an agent and attorney in fact of Party
        A will
        so deliver to Party B or such government or taxing authority the specified
        or
        requested forms, documents, or certificates.

      

      (t)         
         Confirmations.
        Transactions shall be promptly confirmed by the parties by Confirmations
        exchanged by mail, telex, facsimile or other electronic means. Where a
        Transaction is confirmed by means of an electronic messaging system that
        the
        parties have elected to use to confirm such Transaction (i) such confirmation
        will constitute a "Confirmation" as referred to in this Agreement even where
        not
        so specified in the confirmation and (ii) such Confirmation will supplement,
        form part of, and be subject to this Agreement and all provisions in this
        Agreement will govern the Confirmation except as modified therein.

      

      (u)        
         Tax
        Documentation.
        Section
        4(a)(iii) of the Agreement is hereby amended by adding prior to the existing
        text:

      

      "upon
        the
        earlier of learning that any such form or document is required or"

      

      (v)       
         Inconsistency-Trade
        Call.
        In the
        event of any inconsistency between a telephone conversation, including a
        trade
        call and a Confirmation signed by both parties, the Confirmation shall
        govern.

      

      (w)      
         Condition
        Precedent. The
        condition precedent in Section 2(a)(iii)(1) does not apply to a payment and
        delivery owing by a party if the other party shall have satisfied in full
        all
        its payment or delivery obligations under Section 2(a)(i) and shall at the
        relevant time have no future payment or delivery obligations, whether absolute
        or contingent, under Section 2(a)(i).

      

      (x)       
         Definitions.
        This
        Agreement shall be subject to the 2000 Definitions (the "2000 Definitions")
        as
        published by the International Swaps and Derivatives Association Inc. The
        provisions of the 2000 Definitions are incorporated by reference in and shall
        be
        deemed a part of this Agreement, except that all references in the 2000
        Definitions to a “Swap Transaction” shall be deemed references to a
“Transaction” for the purposes of this Agreement. Capitalized terms used and not
        otherwise defined herein (or in the 2000 Definitions) shall have the respective
        meanings ascribed to such terms in the Pooling and Servicing Agreement referred
        to in Part 3(b). If in relation to any Transaction there is any inconsistency
        between the 2000 Definitions, this Agreement, the Pooling and Servicing
        Agreement, any Confirmation and any other definitions published by ISDA that
        are
        incorporated into any Confirmation, the following will prevail for purposes
        of
        such Transaction in the order of precedence indicated: (i) such Confirmation
        (without reference to any definitions or provisions incorporated therein);
        (ii)
        the Pooling and Servicing Agreement; (iii) this Agreement; (iv) such other
        definitions; and (v) the 2000 Definitions.

      

      (y)       
         Amendments.
        Section
        9(b) is hereby amended as follows:

      

      (i) by
        inserting the following phrase immediately prior to the period at the end
        of the
        sentence: “and the Rating Agency Condition is satisfied”; and

      

      (ii) by
        adding
        the following text thereto immediately following the first sentence: "Amendments
        to this Agreement or the Schedule may not be effected in a
        Confirmation."

      

      (z)       
         “Rating
        Agency Condition”
means,
        with respect to any action to which a Rating Agency Condition applies, that
        each
        rating agency then rating the Certificates shall have been given ten days
        (or
        such shorter period as is acceptable to each such rating agency) prior notice
        of
        that action and that each such rating agency shall have notified the Trustee
        in
        writing that such action will not result in a reduction, qualification or
        withdrawal of the then current rating of the Certificates that it
        maintains.

      

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

      IN
        WITNESS WHEREOF,
        the
        parties have executed this document on the respective dates specified below
        with
        effect from the date specified on the first page of this document.

      

      

      GOLDMAN
        SACHS MITSUI MARINE DERIVATIVE PRODUCTS, L.P.

      

      By:
        GSMMDPGP, INC. 

      

      By:
        ________________________________ 

      Name:

      Title:

      Date:

      

      

      DEUTSCHE
        BANK NATIONAL TRUST COMPANY, not in its individual 

      capacity
        but solely as Supplemental Interest Trust Trustee on behalf of the 

      Supplemental
        Interest Trust with respect to the Mortgage Pass-Through 

      Certificates,
        Series 2007-S1

      

      By:
        _________________________________ 

      Name:

      Title:

      Date:

      

       

      

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

    

    

      CONFIRMATION

       

      
        	
                DATE:

              	
                February
                  21, 2007

                 

              
	
                TO:

              	
                Goldman
                  Sachs Mortgage Company, L.P.

                 

              
	
                TO:

              	
                Goldman
                  Sachs Mitsui Marine Derivative Products, L.P.

                Telephone
                  No.: 212-357-7836

                Facsimile
                  No.: 212-902-5692

                 

              
	
                FROM:

              	
                Goldman
                  Sachs Capital Markets, L.P.

                Telephone
                  No.: 212-357-7836

                Facsimile
                  No.: 212-902-5692

                 

              
	
                SUBJECT:

              	
                Swap
                  Transaction 

                 

              
	
                REF
                  NO:

              	
                NUUS702770
                  (310000000) / (006 831 671)

              

      

      

      The
        purpose of this communication is to set forth the terms and conditions of
        the
        above referenced transaction entered into on the Trade Date specified below
        (the
“Transaction”) between Goldman Sachs Capital Markets, L.P. (“GSCM”) and Goldman
        Sachs Mortgage Company, L.P. (“Counterparty”). This communication constitutes a
“Confirmation” as referred to in paragraph 2. below. 

       

      1. The
        definitions and provisions contained in the 2000 ISDA Definitions (the
“Definitions”), as published by the International Swaps and Derivatives
        Association, Inc. are incorporated into this Confirmation. 

       

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

      2. This
        Confirmation evidences a complete and binding agreement between GSCM and
        Counterparty as to the terms of the Transaction to which this Confirmation
        relates, and this Confirmation evidences a Transaction for the benefit of
        the
        certificate holders of the GSAA Home Equity Trust 2007-S1 (“GSAA”). This
        Transaction shall constitute a “Transaction” within the scope of, and this
        Confirmation shall supplement, form a part of, and be subject to, an agreement
        in the form of the 1992 ISDA Master Agreement (Multicurrency-Cross Border)
        (the
“ISDA Form”) as if the parties had executed an agreement in such form effective
        as of the Trade Date but without any Schedule except for (i) the election
        of
        Loss and Second Method, (ii) New York law (without regard to the conflicts
        of
        law principles) as the governing law, (iii) US Dollars as the Termination
        Currency, (iv) the election that subparagraph (ii) of Section 2(c) will apply
        to
        Transactions, (v) only Section 5(a)(i) Failure to Pay and Section 5(a)(vii)
        Bankruptcy will be applicable to the parties (all other Events of Default
        will
        not apply to either party), (vi) Section 5(a)(i) is modified by replacing
        the
        word “third” in the last line of Section 5(a)(i) with the word “first”, (vii)
        only 5(b)(i) Illegality, 5(b)(ii) Tax Event and Section 5(b)(iii) Tax Event
        Upon
        Merger will be applicable to the parties (all other Termination Events will
        not
        apply to either party), (viii) Set-off under Section 6(e) will not apply.
        In the
        event of any inconsistency between the Definitions, the ISDA Form and this
        Confirmation, this Confirmation will govern. Notwithstanding the foregoing,
        it
        is understood and agreed that upon the assignment of this Transaction to
        GSMMDP
        and GSAA pursuant to the terms of the paragraph 4A hereof, this Transaction
        shall be governed by the ISDA Master Agreement and the Schedule thereto between
        such parties dated as of February 28, 2007 and shall not be governed by the
        provisions contained in the second sentence of this paragraph. 

       

      3. The
        terms
        of the particular Transaction to which this Confirmation relates are as follows:
        

       

      
        	
                Notional
                  Amount:

              	
                USD
                  227,250,968 (subject to adjustment in accordance with the Schedule
                  set
                  forth in Annex I hereto) 

                 

              
	
                Trade
                  Date:

              	
                February
                  21, 2007

                 

              
	
                Effective
                  Date:

              	
                February
                  28, 2007

                 

              
	
                Termination
                  Date:

              	
                February
                  25, 2012, subject to adjustment in accordance with the Modified
                  Following
                  Business Day Convention

                 

              
	
                Initial
                  Payment:

              	
                USD
                  660,000 payable by GSCM to Counterparty on the Effective Date

                 

              
	
                Floating
                  Amounts:

                 

              	 
	
                Floating
                  Rate Payer:

              	
                GSCM
                  

                 

              
	
                Floating
                  Rate Payer Early Payment Dates:

              	
                On
                  the day which is one (1) Business Day prior to each Floating Rate
                  Period
                  End Date.

                 

              
	
                Floating
                  Rate Option:

              	
                USD-LIBOR-BBA

                 

              
	
                Floating
                  Rate Designated Maturity:

              	
                1
                  Month

                 

              
	
                Floating
                  Rate Spread:

              	
                None

                 

              
	
                Floating
                  Rate Reset Dates:

              	
                The
                  first day of each Calculation Period

                 

              
	
                Floating
                  Rate Day Count Fraction:

              	
                Actual/360

                 

              
	
                Floating
                  Rate Period End Dates:

              	
                Monthly,
                  on the 25th day of each month, commencing on March 25, 2007 and
                  ending on
                  the Termination Date subject to adjustment in accordance with the
                  Modified
                  Following Business Day Convention. 

                 

              
	
                Fixed
                  Amounts:

                 

              	 
	
                Fixed
                  Rate Payer:

              	
                Counterparty
                  

                 

              
	
                Fixed
                  Rate Payer Payment Dates:

              	
                Monthly,
                  on the 25th day of each month, commencing on March 25, 2007 and
                  ending on
                  the Termination Date, subject to adjustment in accordance with
                  the
                  Modified Following Business Day Convention.

                 

              
	
                Fixed
                  Rate:

              	
                5.23%

                 

              
	
                Fixed
                  Rate Day Count Fraction:

              	
                Actual/360

                 

              
	
                Fixed
                  Rate Period End Dates:

              	
                Adjusted
                  in accordance with the Modified Following Business Day Convention.
                  

                 

              
	
                Business
                  Days:

              	
                New
                  York and Los Angeles 

                 

              
	
                Calculation
                  Agent:

              	
                GSCM
                  

                 

              
	
                Governing
                  Law:

              	
                New
                  York law (without regard to conflict of law principles) 

                 

              

      

      

      4. Additional
        Provisions: 

       

      A.
        Assignment
        Provisions:
        It is
        acknowledged and agreed by the parties that this Transaction shall be subject
        to
        assignment first by Counterparty to GS Mortgage Securities Corp., then,
        simultaneously, (i) by GSCM to Goldman Sachs Mitsui Marine Derivative Products,
        L.P. (“GSMMDP’) and (ii) by GS Mortgage Securities Corp. to GSAA, and by GSAA,
        through a collateral assignment, to Deutsche Bank National Trust Company
        (the
“Supplemental Interest Trust Trustee”), as trustee on behalf of Supplemental
        Interest Trust with respect to the holders of the GSAA Mortgage Pass Through
        Certificates, Series 2007-S1 (CUSIP Numbers: [ ]; the “Certificates”) (each such
        assignee is referred to herein as an “Assignee” and each such assignor is
        referred to herein as an “Assignor”). These assignments shall occur on the day
        the Assignor and Assignee agree to such assignment and provide written or
        oral
        notification of the effective date of assignment to the relevant constant
        party,
        or, in the case of a simultaneous double assignment, the other assignor and/or
        assignee, as appropriate (the “Constant Party”) (each such day hereinafter
        referred to as an “Assignment Date”). Furthermore, with respect to each
        assignment of the Transaction to an Assignee, the Assignee shall accept
        assignment of the Transaction subject to all terms of this Confirmation and
        all
        references to the term “Counterparty” herein shall be deemed references to each
        subsequent assignee of Counterparty and all references to the term “GSCM” herein
        shall be deemed references to each subsequent assignee of GSCM. On each
        Assignment Date, Constant Party, the relevant Assignor and the relevant
        Assignee, in consideration of the premises and the mutual covenants contained
        herein and for other good and valuable consideration received, agree as follows:
        

       

      (a)
        Assignor sells, assigns, transfers, and sets over to Assignee, its successors
        and permitted assigns, all of its right, title, and interest in, to, under,
        and
        in respect of, the Transaction. Assignor releases and discharges Constant
        Party
        from, and agrees not to make any claim against Constant Party with respect
        to,
        any obligations of Constant Party arising and to be performed under and in
        respect of the Transaction after the Assignment Date. Assignor agrees that
        Assignee has no liability with respect to any obligation arising or to be
        performed under and in respect of the Transaction prior to or on the Assignment
        Date. 

       

      (b)
        Assignee accepts such sale, assignment and transfer and assumes and agrees
        to
        perform each and every obligation of Assignor arising and to be performed
        under
        the Transaction after the Assignment Date, with the same force and effect
        as if
        Assignee had been a party to the Transaction originally; it being understood
        and
        agreed that, with respect to the Supplemental Interest Trust Trustee as
        Assignee, the Supplemental Interest Trust Trustee is an assignee solely by
        reason of its capacity as supplemental interest trust trustee (and not in
        its
        individual capacity) and the Supplemental Interest Trust Trustee in its
        individual capacity shall have no obligation or liability for payment of
        any
        indebtedness or expenses and shall not be personally liable for the breach
        or
        failure of any obligation, representation, warranty or covenant made or
        undertaken hereunder. 

       

      (c)
        Constant Party consents to the sale, assignment and transfer by Assignor
        and the
        assumption by Assignee referred to above. Constant Party releases and discharges
        Assignor from, and agrees not to make any claim against Assignor with respect
        to, any obligations of Assignor arising and to be performed under and in
        respect
        of the Transaction after the Assignment Date. Constant Party agrees that
        Assignee has no liability with respect to any obligation arising or to be
        performed under and in respect of the Transaction prior to or on the Assignment
        Date. 

       

      (d)
        Assignor hereby represents and warrants to, and covenants and agrees with,
        Assignee and Constant Party that: (i) it is duly organized, validly existing,
        and in good standing under the law of the jurisdiction of its organization;
        (ii)
        it has all requisite power and authority to assign and delegate to Assignee
        its
        rights and obligations under the Transaction as provided herein and has taken
        all necessary action to authorize such assignment and delegation; and (iii)
        such
        assignment and delegation are its legal, valid, and binding obligations
        enforceable against Assignor in accordance with the terms hereof. 

       

      (e)
        Assignee hereby represents and warrants to, and covenants and agrees with,
        Assignor and Constant Party that: (i) it is duly organized, validly existing,
        and in good standing under the law of the jurisdiction of its organization;
        (ii)
        it has all requisite power and authority to assume the rights and obligations
        of
        Assignor under the Transaction as provided herein and perform its obligations
        under the Transaction and has taken all necessary action to authorize such
        assumption and performance; and (iii) such assumption and the Transaction
        are
        its legal, valid, and binding obligations enforceable against Assignee in
        accordance with the terms hereof. 

       

      (f)
        Assignor and Constant Party acknowledge that, as of the Assignment Date,
        no
        amounts are owed by Assignor or Constant Party to the other under the
        Transaction to which this assignment relates. 

       

      B.
        Supplemental
        Interest Trust Trustee Capacity:

       

      It
        is
        expressly understood and agreed by the parties hereto that insofar as this
        Confirmation is executed by the Supplemental Interest Trust Trustee (i) this
        Agreement is executed and delivered by Deutsche Bank National Trust Company
        not
        in its individual capacity but solely as Supplemental Interest Trust Trustee
        under the Pooling and Servicing Agreement, in the exercise of the powers
        and
        authority conferred to and vested in it thereunder and (ii) under no
        circumstances shall Deutsche Bank National Trust Company in its individual
        capacity be personally liable for the payment of any indebtedness or expenses
        or
        be personally liable for the breach or failure of any obligation,
        representation, warranty or covenant made or undertaken under this Confirmation
        on behalf of GSAA. 

       

      5.
        The
        parties hereby agree (a) to check this Confirmation (Reference No.: NUUS702770
        (310000000)) carefully and immediately upon receipt so that errors or
        discrepancies can be promptly identified and rectified and (b) to confirm
        that
        the foregoing correctly sets forth the terms of the agreement between GSCM,
        GSMMDP and Counterparty, with respect to the particular Transaction to which
        this Confirmation relates, by manually signing this Confirmation and providing
        the other information requested herein and immediately returning an executed
        copy to Swap Administration, facsimile No. 212-902-5692. 

       

      

       

      
        	 	 	 	 	 	 	 	
                Very
                  truly yours,

              
	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
                GOLDMAN
                  SACHS CAPITAL MARKETS, L.P.

              
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
                By:

              	
                Goldman
                  Sachs Capital Markets, L.L.C.

                General
                  Partner

              
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
                By:

              	 
	 	 	 	 	 	 	 	
                Name:

              	 
	 	 	 	 	 	 	 	
                Title:

              	 

      

      

       

      
        	
                Agreed
                  and Accepted By:

                GOLDMAN
                  SACHS MITSUI MARINE DERIVATIVE PRODUCTS, L.P.

              	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	
                By:

              	
                GSMMDPGP,
                  Inc.,

                General
                  Partner

              	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	
                By:

              	 	 	 
	
                Name:

              	 	 	 
	
                Title:

              	 	 	 

      

      

       

      
        	
                Agreed
                  and Accepted By:

                Goldman
                  Sachs Mortgage Company, L.P.

              	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	
                By:

              	 	 	 
	
                Name:

              	 	 	 
	
                Title:

              	 	 	 

      

      

       

      Agreed
        and Accepted By:

      DEUTSCHE
        BANK NATIONAL TRUST COMPANY, not in its individual capacity but solely as
        Supplemental Interest Trust Trustee on behalf of the Supplemental Interest
        Trust
        with respect to the Mortgage Pass-Through Certificates, Series
        2007-S1

      

      
        	
                By:

              	 	 	 
	
                Name:

              	 	 	 
	
                Title:

              	 	 	 

      

      

       

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

      Annex
        I

       

      Schedule

       

      

      
        	
                For
                  the Calculation Period from
                  and including:**

              	 	
                To
                  but excluding:**

              	 	
                The
                  applicable USD Notional
                  Amount shall be:

              
	
                February
                  28, 2007

              	 	
                March
                  25, 2007

              	 	
                277,250,968.00

              
	
                March
                  25, 2007

              	 	
                April
                  25, 2007

              	 	
                268,674,334.00

              
	
                April
                  25, 2007

              	 	
                May
                  25, 2007

              	 	
                259,613,092.00

              
	
                May
                  25, 2007

              	 	
                Juno
                  25, 2007

              	 	
                250,107,103.00

              
	
                June
                  25, 2007

              	 	
                July
                  25, 2007

              	 	
                240,198,183.00

              
	
                July
                  25, 2007

              	 	
                August
                  25, 2007

              	 	
                229,931,211.00

              
	
                August
                  25, 2007

              	 	
                September
                  25, 2007

              	 	
                219,587,278.00

              
	
                September
                  25, 2007

              	 	
                October
                  25, 2007

              	 	
                209,193,946.00

              
	
                October
                  25, 2007

              	 	
                November
                  25, 2007

              	 	
                198,918,894.00

              
	
                November
                  25, 2007

              	 	
                December
                  25, 2007

              	 	
                189,080,948.00

              
	
                December
                  25, 2007

              	 	
                January
                  25, 2008

              	 	
                179,679,820.00

              
	
                January
                  25, 2008

              	 	
                February
                  25, 2008

              	 	
                170,698,362.00

              
	
                February
                  25, 2008

              	 	
                March
                  25, 2008

              	 	
                162,117,864.00

              
	
                March
                  25, 2008

              	 	
                April
                  25, 2008

              	 	
                153,920,446.00

              
	
                April
                  25, 2008

              	 	
                May
                  25, 2008

              	 	
                146,089,027.00

              
	
                May
                  25, 2008

              	 	
                June
                  25, 2008

              	 	
                138,607,286.00

              
	
                June
                  25, 2008

              	 	
                July
                  25, 2008

              	 	
                131,459,631.00

              
	
                July
                  25, 2008

              	 	
                August
                  25, 2008

              	 	
                124,631,162.00

              
	
                August
                  25, 2008

              	 	
                September
                  25, 2008

              	 	
                118,107,644.00

              
	
                September
                  25, 2008

              	 	
                October
                  25, 2008

              	 	
                111,875,475.00

              
	
                October
                  25, 2008

              	 	
                November
                  25, 2008

              	 	
                105,921,662.00

              
	
                November
                  25, 2008

              	 	
                December
                  25, 2008

              	 	
                100,233,788.00

              
	
                December
                  25, 2008

              	 	
                January
                  25, 2009

              	 	
                94,799,990.00

              
	
                January
                  25, 2009

              	 	
                February
                  25, 2009

              	 	
                89,608,935.00

              
	
                February
                  25, 2009

              	 	
                March
                  25, 2009

              	 	
                84,649,793.00

              
	
                March
                  25, 2009

              	 	
                April
                  25, 2009

              	 	
                79,912,218.00

              
	
                April
                  25, 2009

              	 	
                May
                  25, 2009

              	 	
                75,386,324.00

              
	
                May
                  25, 2009

              	 	
                June
                  25, 2009

              	 	
                71,062,666.00

              
	
                June
                  25, 2009

              	 	
                July
                  25, 2009

              	 	
                66,932,221.00

              
	
                July
                  25, 2009

              	 	
                August
                  25, 2009

              	 	
                62,986,368.00

              
	
                August
                  25, 2009

              	 	
                September
                  25, 2009

              	 	
                59,216,867.00

              
	
                September
                  25, 2009

              	 	
                October
                  25, 2009

              	 	
                55,615,851.00

              
	
                October
                  25, 2009

              	 	
                November
                  25, 2009

              	 	
                52,175,798.00

              
	
                November
                  25, 2009

              	 	
                December
                  25, 2009

              	 	
                48,889,524.00

              
	
                December
                  25, 2009

              	 	
                January
                  25, 2010

              	 	
                45,750,167.00

              
	
                January
                  25, 2010

              	 	
                February
                  25, 2010

              	 	
                42,751,167.00

              
	
                February
                  25, 2010

              	 	
                March
                  25, 2010

              	 	
                39,886,260.00

              
	
                March
                  25, 2010

              	 	
                April
                  25, 2010

              	 	
                39,886,260.00

              
	
                April
                  25, 2010

              	 	
                May
                  25, 2010

              	 	
                39,886,260.00

              
	
                May
                  25, 2010

              	 	
                June
                  25, 2010

              	 	
                39,886,260.00

              
	
                June
                  25, 2010

              	 	
                July
                  25, 2010

              	 	
                39,886,260.00

              
	
                July
                  25, 2010

              	 	
                August
                  25, 2010

              	 	
                39,886,260.00

              
	
                August
                  25, 2010

              	 	
                September
                  25, 2010

              	 	
                39,798,179.00

              
	
                September
                  25, 2010

              	 	
                October
                  25, 2010

              	 	
                38,013,770.00

              
	
                October
                  25, 2010

              	 	
                November
                  25, 2010

              	 	
                36,309,194.00

              
	
                November
                  25, 2010

              	 	
                December
                  25, 2010

              	 	
                34,680,885.00

              
	
                December
                  25, 2010

              	 	
                January
                  25, 2011

              	 	
                33,125,439.00

              
	
                January
                  25, 2011

              	 	
                February
                  25, 2011

              	 	
                31,639,598.00

              
	
                February
                  25, 2011

              	 	
                March
                  25, 2011

              	 	
                30,220,255.00

              
	
                March
                  25, 2011

              	 	
                April
                  25, 2011

              	 	
                28,864,421.00

              
	
                April
                  25, 2011

              	 	
                May
                  25, 2011

              	 	
                27,569,277.00

              
	
                May
                  25, 2011

              	 	
                June
                  25, 2011

              	 	
                26,332,111.00

              
	
                June
                  25, 2011

              	 	
                July
                  25, 2011

              	 	
                25,150,331.00

              
	
                July
                  25, 2011

              	 	
                August
                  25, 2011

              	 	
                24,021,464.00

              
	
                August
                  25, 2011

              	 	
                September
                  25, 2011

              	 	
                22,943,144.00

              
	
                September
                  25, 2011

              	 	
                October
                  25, 2011

              	 	
                21,913,112.00

              
	
                October
                  25, 2011

              	 	
                November
                  25, 2011

              	 	
                20,929,211.00

              
	
                November
                  25, 2011

              	 	
                December
                  25, 2011

              	 	
                19,988,379.00

              
	
                December
                  25, 2011

              	 	
                January
                  25, 2012

              	 	
                19,089,695.00

              
	
                January
                  25, 2012

              	 	
                February
                  25, 2012

              	 	
                18,231,305.00

              

      

      

      **Subject
        to adjustment in accordance with the Modified Following Business Day
        Convention

       

    

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

    EXHIBIT
      U

     

    REPRESENTATIONS
      AND WARRANTIES AGREEMENT

     

    
       

       

      This
        REPRESENTATIONS AND WARRANTIES AGREEMENT (“Agreement”),
        dated
        as of February
        28,
        2007
        (the “Closing
        Date”),
        is
        between GOLDMAN
        SACHS MORTGAGE COMPANY
        (“GSMC”
or
        the
“Seller”)
        and
GS
        MORTGAGE SECURITIES CORP.
        (the
“Depositor”
or
        the
“Purchaser”).

       

      W I T N E S S E T H:

       

      WHEREAS,
        GSMC acquired certain mortgage loans (the “Conduit
        Mortgage Loans”)
        from
        various mortgage loan sellers pursuant to certain Master Loan Purchase
        Agreements (the “Conduit
        Purchase Agreements”),
        each
        between GSMC, as purchaser, and the applicable mortgage loan seller, as
        seller;

       

      WHEREAS,
        the Conduit Mortgage Loans are set forth on the mortgage loan schedule attached
        hereto as Schedule I (the “Conduit
        Mortgage Loan Schedule”);

       

      NOW,
        THEREFORE, in consideration of the foregoing and of the mutual covenants
        herein
        contained, the receipt and sufficiency of which are hereby acknowledged,
        the
        parties hereto hereby agree as follows:

       

      Section
        1.  Defined
        Terms.

       

      (a)  Unless
        otherwise defined herein, capitalized terms used herein shall have the meanings
        assigned to such terms in the Pooling and Servicing Agreement the Pooling
        and
        Servicing Agreement, dated as of February 1, 2007 (the “Pooling
        and Servicing Agreement”),
        among
        the Depositor, Ocwen Loan Servicing, LLC, as a servicer (“Ocwen”),
        Avelo
        Mortgage, L.L.C., as a servicer (“Avelo”),
        Specialized Loan Servicing, LLC, as a servicer (“SLS”
and
        collectively with Ocwen and Avelo, the “Servicers”),
        Wells
        Fargo Bank, National Association, as master servicer (the “Master
        Servicer”),
        U.S.
        Bank National Association, as a custodian (the “Custodian”)
        and
        Deutsche Bank National Trust Company, as trustee (the “Trustee”).
        In
        the event of a conflict between any of the defined terms contained in this
        Agreement and the Pooling and Servicing Agreement, the definitions contained
        in
        the Pooling and Servicing Agreement shall control.

       

      (b)  The
        following capitalized terms shall have the meanings assigned to such terms
        below:

       

      Accepted
        Servicing Practices:
        With
        respect to any Mortgage Loan those mortgage servicing practices of prudent
        mortgage lending institutions which service mortgage loans of the same type
        as
        such Mortgage Loan in the jurisdiction where the related Mortgaged Property
        is
        located.

       

      ALTA:
        The
        American Land Title Association, or any successor thereto.

       

      Deleted
        Mortgage Loan:
        A
        Mortgage Loan that is repurchased or replaced or to be replaced with a Qualified
        Substitute Mortgage Loan by GSMC in accordance with the terms of this
        Agreement.

       

      High
        Cost Loan:
        A
        Mortgage Loan that is (a) covered by the Home Ownership and Equity Protection
        Act of 1994, (b) identified, classified or characterized as “high cost,”
“threshold,” “covered”, or “predatory” under any other applicable state, federal
        or local law (or a similarly identified, classified or characterized loan
        using
        different terminology under a law imposing heightened regulatory scrutiny
        or
        additional legal liability for residential mortgage loans having high interest
        rates, points and/or fees) or (c) categorized
        as “High Cost” or “Covered” pursuant to Appendix E of the then current Standard
& Poor’s LEVELs Glossary.

       

      Loan-to-Value
        Ratio
        or
LTV:
        With
        respect to any Mortgage Loan, the ratio (expressed as a percentage) of the
        outstanding principal amount of the such Mortgage Loan as of the Cut-off
        Date
        (unless otherwise indicated), to the lesser of (a) the Appraised Value of
        the Mortgaged Property at origination and (b) if such Mortgage Loan was made
        to
        finance the acquisition of the related Mortgaged Property, the purchase price
        of
        the Mortgaged Property, 

       

      Monthly
        Payment:
        The
        scheduled monthly payment of principal and interest on a Mortgage
        Loan.

       

      Original
        Sale Date:
        With
        regard to each Conduit Mortgage Loan, the date on which GSMC acquired such
        Mortgage Loan from the applicable original loan seller.

       

      Qualified
        Substitute Mortgage Loan:
        A
        mortgage loan eligible to be substituted by GSMC for a Deleted Mortgage Loan
        which must, on the date of such substitution, (i) have an outstanding
        principal balance, after deduction of all scheduled payments due in the month
        of
        substitution (or in the case of a substitution of more than one mortgage
        loan
        for a Deleted Mortgage Loan, an aggregate principal balance), not in excess
        of
        the outstanding principal balance of the Deleted Mortgage Loan (the amount
        of
        any shortfall will be paid by GSMC to the Depositor or its designee in the
        month
        of substitution); (ii) have a Mortgage Interest Rate not less than, and not
        more than 1% greater than, the Mortgage Interest Rate of the Deleted Mortgage
        Loan; (iii) have a remaining term to maturity not greater than, and not
        more than one year less than, that of the Deleted Mortgage Loan (iv) be of
        the
        same type as the Deleted Mortgage Loan (i.e., fixed rate or adjustable rate
        with
        the same Periodic Rate Cap, and Index); and (v) comply with each
        representation and warranty (respecting individual Mortgage Loans) set forth
        in
        Section 2 of this Agreement.

       

      Section
        2.  Representations
        and Warranties of GSMC.

       

      (a)  As
        to
        each Conduit Mortgage Loan, GSMC hereby makes the representations and warranties
        set forth in Exhibit I hereto to the Depositor and its assignees as of the
        Closing Date (or such other date as set forth herein).

       

      (b)  With
        respect to the representations and warranties set forth in Exhibit I hereto
        that
        are made to the knowledge or the best knowledge of the Seller or as to which
        the
        Seller has no knowledge, if it is discovered that the substance of any such
        representation and warranty is inaccurate and the inaccuracy materially and
        adversely affects the value of the related Mortgage Loan, or the interest
        therein of the Purchaser, the Certificate Insurer or the Certificateholders,
        then notwithstanding the Seller’s lack of knowledge with respect to the
        substance of such representation and warranty being inaccurate at the time
        the
        representation and warranty was made, such inaccuracy shall be deemed a breach
        of the applicable representation and warranty and GSMC shall take such action
        described in Section 3(a) herein in respect of such Mortgage Loan..

       

      Section
        3.  Repurchase
        or Substitution Obligation for Breach of a Representation or
        Warranty.

       

      (a)  Within
        sixty (60) days of the earlier of either discovery by or notice to GSMC of
        any
        breach of a representation or warranty which materially and adversely affects
        the value of the Mortgage Loans or the interest of the Depositor or its
        assignees therein (or which materially and adversely affects the value of
        the
        applicable Mortgage Loan or the interest of the Depositor or its assignees
        therein), GSMC shall cure such breach in all material respects and, if such
        breach cannot be cured, GSMC shall, at the Depositor’s or such assignee’s
        option, within sixty (60) calendar days of GSMC’s receipt of request from the
        Depositor, repurchase such Mortgage Loan at the Repurchase Price.
        Notwithstanding the above sentence, within 60 days of the earlier of either
        discovery by, or notice to, GSMC of any breach of the representations or
        warranties set forth in clauses (t), (x), (bb), (cc), (dd) or (ff) of Exhibit
        I
        hereto, GSMC shall repurchase such affected Mortgage Loan at the Repurchase
        Price. Any repurchase of a Mortgage Loan or Loans pursuant to the foregoing
        provisions of this Section 3 shall be accomplished by direct remittance of
        the
        Repurchase Price to the Depositor or its designee in accordance with the
        Depositor’s or
        such
        designees
        instructions, as the case may be.

       

      However,
        if the breach shall involve a representation or warranty set forth in Section
        2
        of this Agreement relating to any Mortgage Loan and GSMC discovers or receives
        notice of any such breach within two years of the Closing Date, GSMC shall,
        at
        the Depositor’s or such assignee’s option and provided that GSMC has a Qualified
        Substitute Mortgage Loan, rather than repurchase such Mortgage Loan as provided
        above, remove such Mortgage Loan (a “Deleted
        Mortgage Loan”)
        and
        substitute in its place a Qualified Substitute Mortgage Loan or Mortgage
        Loans,
        provided that any such substitution shall be effected not later than two
        years
        after the Closing Date. If GSMC has no Qualified Substitute Mortgage Loan,
        GSMC
        shall repurchase the deficient Mortgage Loan. Any repurchase of a Mortgage
        Loan
        or Mortgage Loans pursuant to the foregoing provisions of this Section 3
        shall
        be accomplished by direct remittance of the Repurchase Price to the Depositor
        or
        its designee in accordance with the Depositor’s or such designees instructions,
        as the case may be.

       

      At
        the
        time of repurchase or substitution, the Depositor and GSMC shall arrange
        for the
        reassignment of the Deleted Mortgage Loan to GSMC and the delivery to GSMC
        of
        any documents held by the Trustee or the related Custodian, as the case may
        be,
        relating to the Deleted Mortgage Loan. In the event of a repurchase or
        substitution, GSMC shall, simultaneously with such reassignment, give written
        notice to the Depositor and the Trustee that such repurchase or substitution
        has
        taken place, amend the applicable Mortgage Loan Schedule to reflect the
        withdrawal of the Deleted Mortgage Loan from this Agreement, and, in the
        case of
        substitution, identify a Qualified Substitute Mortgage Loan and amend the
        applicable Mortgage Loan Schedule to reflect the addition of such Qualified
        Substitute Mortgage Loan to this Agreement. In connection with any such
        substitution, GSMC shall be deemed to have made as to such Qualified Substitute
        Mortgage Loan the representations and warranties set forth in this Agreement
        except that all such representations and warranties set forth in this Agreement
        shall be deemed made as of the date of such substitution. GSMC shall effect
        such
        substitution by delivering to the Trustee or the related Custodian or to
        such
        other party as the Depositor may designate in writing for such Qualified
        Substitute Mortgage Loan the documents required by the Pooling and Servicing
        Agreement, with the Mortgage Note endorsed as required by the Pooling and
        Servicing Agreement. No substitution will be made in any calendar month after
        the initial Determination Date for such month. GSMC shall remit directly
        to the
        Depositor, or its designee in accordance with the Depositor’s or such designee’s
        instructions, as the case may be, the monthly payment less the Servicing
        Fee
        due, if any, on such Qualified Substitute Mortgage Loan or Mortgage Loans
        in the
        month following the date of such substitution. Monthly payments due with
        respect
        to Qualified Substitute Mortgage Loans in the month of substitution shall
        be
        retained by GSMC. For the month of substitution, distributions to the Depositor
        shall include the monthly payment due on any Deleted Mortgage Loan in the
        month
        of substitution, and GSMC shall thereafter be entitled to retain all amounts
        subsequently received by GSMC in respect of such Deleted Mortgage
        Loan.

       

      For
        any
        month in which GSMC substitutes a Qualified Substitute Mortgage Loan for
        a
        Deleted Mortgage Loan, GSMC shall determine the amount (if any) by which
        the
        aggregate principal balance of all Qualified Substitute Mortgage Loans as
        of the
        date of substitution is less than the aggregate Stated Principal Balance
        of all
        Deleted Mortgage Loans (after application of scheduled principal payments
        due in
        the month of substitution). The amount of such shortfall, together with one
        month’s interest at the Mortgage Interest Rate on the Deleted Mortgage Loan,
        shall be distributed by GSMC directly to the Depositor or its designee in
        accordance with the Depositor’s or such designee’s instructions, as the case may
        be, within two (2) Business Days of such substitution.

       

      Any
        cause
        of action against GSMC relating to or arising out of the breach of any
        representations and warranties made in Section 2 shall accrue as to any Mortgage
        Loan upon (i) discovery of such breach by the Depositor, the Trustee or the
        Certificate Insurer or notice thereof by GSMC to the Depositor, the Trustee
        or
        the Certificate Insurer, (ii) failure by GSMC to cure such breach, repurchase
        such Mortgage Loan or substitute a Qualified Substitute Mortgage Loan as
        specified above, and (iii) demand upon GSMC by the Depositor, the Trustee
        or the
        Certificate Insurer for compliance with this Agreement.

       

      (b)  It
        is
        understood and agreed that the obligation of GSMC set forth in Section 3(a)
        to
        repurchase or substitute for a Mortgage Loan in breach of a representation
        or
        warranty contained in Section 2 constitutes the sole remedy of the Depositor
        or
        any other person or entity with respect to such breach.

       

      Section
        4.  Document
        Delivery Requirements.

       

      GSMC
        shall deliver to the Trustee or the Custodian, as applicable, all documents
        and
        instruments required under Section 2.01 of the Pooling and Servicing Agreement
        with respect to the Conduit Mortgage Loans. In the event any document or
        instrument required to be delivered to the Trustee or the Custodian pursuant
        to
        Section 2.01 of the Pooling and Servicing Agreement, including an original
        or
        copy of any document submitted for recordation to the appropriate public
        recording office, is not so delivered to the Trustee or the Custodian, and
        in
        the event that GSMC does not cure such failure within 60 days of discovery
        or
        receipt of written notification of such failure from the Depositor, the Trustee
        or the Certificate Insurer, GSMC shall, at the Depositor’s option, repurchase
        such Conduit Mortgage Loans at the Repurchase Price, together with all expenses
        incurred by the Depositor, the Trustee and the Certificate Insurer as a result
        of such repurchase.

       

      Section
        5.  Term
        of Representation and Warranties.

       

      The
        representations and warranties of GSMC set forth in Section 2 shall inure
        to the
        benefit of the Depositor, the Trustee and the Certificate Insurer and each
        of
        their respective successors and assigns until all amounts payable to
        Certificateholders under the Pooling and Servicing Agreement and all amounts
        payable to the Certificate Insurer under the Insurance and Indemnity Agreement
        have been paid in full.

       

      Section
        6.  Execution
        in Counterparts.

       

      This
        Agreement may be executed in any number of counterparts and by different
        parties
        hereto on separate counterparts, each of which counterparts, when so executed
        and delivered, shall be deemed to be an original and all of which counterparts,
        taken together, shall constitute but one and the same Agreement.

       

      Section
        7.  GOVERNING
        LAW.

       

      THIS
        AGREEMENT SHALL BE GOVERNED BY, AND CONSTRUED IN ACCORDANCE WITH, THE LAWS
        OF
        THE STATE OF NEW YORK WITHOUT REGARDS TO CONFLICTS OF LAWS
        PRINCIPLES.

       

      Section
        8.  Severability
        of Provisions.

       

      Any
        provision of this Agreement which is prohibited or unenforceable in any
        jurisdiction shall, as to such jurisdiction, be ineffective to the extent
        of
        such prohibition or unenforceability without invalidating the remaining
        provisions hereof or affecting the validity or enforceability of such provision
        in any other jurisdiction.

       

      Section
        9.  Captions.

       

      The
        captions in this Agreement are for convenience of reference only and shall
        not
        define or limit any of the terms or provisions hereof.

       

      Section
        10.  Successors
        and Assigns.

       

      This
        Agreement may not be assigned, pledged or hypothecated by any party hereto,
        except that the Depositor’s rights under this Agreement may be assigned to the
        Trustee and are exercisable by the Trustee (and its successors and assigns)
        and
        will be enforceable by the Trustee. Any entity into which GSMC or the Depositor
        may be merged or consolidated shall, without the requirement for any further
        writing, be deemed GSMC or the Depositor, respectively, hereunder.

       

      Section
        11.  Third
        Party Beneficiary.

       

      The
        parties agree that the Trust (including the Trustee, the Master Servicer,
        the
        Servicers and the Custodian acting on the Trust’s behalf) and the Certificate
        Insurer are each an intended third-party beneficiary of this Agreement with
        the
        right to enforce the provisions hereof and the rights to obtain the benefit
        of
        the enforcement of the obligations and covenants of GSMC under Section 3
        of this
        Agreement as if the Trustee and the Certificate Insurer were a party to this
        Agreement.

       

      Section
        12.  Amendments.

       

      This
        Agreement may be amended from time to time by the parties hereto with the
        prior
        written consent of the Certificate Insurer.

      

      

      [Remainder
        of this Page Intentionally Left Blank.]

      

      

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

       

      IN
        WITNESS WHEREOF, the parties hereto have caused this Agreement to be executed
        as
        of the date and year first above written.

       

      

      
        	 	 	 	 	 	 	 	
                GOLDMAN
                  SACHS MORTGAGE COMPANY

              
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
                By:

              	
                Goldman
                  Sachs Real Estate Funding Corp.,

                its
                  general partner

              
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
                By:

              	 
	 	 	 	 	 	 	 	
                Name:

              	 
	 	 	 	 	 	 	 	
                Title:

              	 

      

       

      

      
        	 	 	 	 	 	 	 	
                GS
                  MORTGAGE SECURITIES CORP.

              
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
                By:

              	 
	 	 	 	 	 	 	 	
                Name:

              	
                Michelle
                  Gill

              
	 	 	 	 	 	 	 	
                Title:

              	
                Vice
                  President

              

      

       

      

       

      

      

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

       

      EXHIBIT
        I

       

        Representations
        and Warranties Regarding the Conduit Mortgage Loans

       

      (a)  Mortgage
        Loans as Described.
        The
        information set forth in the Mortgage Loan Schedule with respect to the Mortgage
        Loans is complete, true and accurate;

       

      (b)  Criteria
        for Eligible Loans.
        The
        Mortgage Loan has been underwritten in accordance with, and meets the parameters
        of, the underwriting requirements set forth in the Underwriting Guide or
        the
        Seller’s underwriting guidelines. No Mortgage Loan is (i) covered by the
        provisions of the Homeownership and Equity Protection Act of 1994 or (ii)
        in
        violation of, or classified as a “high cost”, “threshold”, “covered” or
“predatory” loan under, any other applicable state, federal or local law (or a
        similarly classified loan using different terminology under a law imposing
        heightened regulatory scrutiny or additional legal liability for residential
        mortgage loans having high interest rates, points and/or fees). No Mortgage
        Loan
        is subject to any rights of rescission, counterclaims or defenses;

       

      (c)  Compliance
        with Applicable Laws:
        Each
        Mortgage Loan has been originated in compliance with all applicable local,
        state
        and federal laws and regulations including, without limitation, usury and
        predatory lending laws;

       

      (d)  Origination/Doing
        Business:
        The
        Mortgage Loan was originated by a mortgagee approved by the Secretary of
        Housing
        and Urban Development pursuant to Sections 203 and 211 of the National Housing
        Act, a savings and loan association, a savings bank, a commercial bank, credit
        union, insurance company or other similar institution which is supervised
        and
        examined by a federal or state authority. All parties who have had any interest
        in the Mortgage Loan, whether as a mortgagee, assignee, pledgee or otherwise
        are
        (or during the period in which they held and disposed of such interest, were)
        (a) in compliance with any and all applicable licensing requirements of the
        laws of the state where the Mortgaged Property is located, and (b) either
        (i) organized under the laws of such state, or (ii) qualified to do
        business in such state, or (iii) a federal savings and loan association, a
        savings bank or a national bank having a principal office in such state,
        or
        (c) not doing business in such state;

       

      (e)  Validity
        of Loan Documents:
        The
        Mortgage Note and the Mortgage and any other agreement executed by a Mortgagor
        in connection with a Mortgage Loan are genuine and each is the legal, valid,
        and
        binding obligation of its maker. Each is enforceable according with its terms
        (including without limitation, any provisions relating to prepayment charges
        or
        penalties), except as limited by bankruptcy, insolvency or other similar
        laws
        generally affecting the enforcement of creditor’s rights. To the best of the
        Seller’s knowledge, all parties associated with the Mortgage Note, the Mortgage
        and any related document had legal capacity to enter into the Mortgage Loan
        and
        to execute and deliver said documents and said documents have been duly and
        properly executed by all such related parties;

       

      (f)  No
        Defenses:
        The
        Mortgage Loan is not subject to any right of rescission, set-off, counterclaim
        or defense, including without limitation the defense of usury. The operation
        of
        any of the terms of the Mortgage Note or the Mortgage, or the exercise of
        any
        right thereunder, will not render the Mortgage Note or the Mortgage
        unenforceable, in whole or in part or subject to any right of rescission,
        set-off, counterclaim or defense, including without limitation, the defense
        of
        usury. In addition, no such right of rescission, set-off, counterclaim or
        defense has been asserted with respect to the Mortgage Note or the Mortgage.
        To
        the best of the Seller’s knowledge, no Mortgagor was a debtor in any local,
        state or federal bankruptcy or insolvency proceeding at the time the related
        Mortgage Loan was originated or as of the related origination date;

       

      (g)  No
        Defaults:
        Other
        than payments due but not yet 30 days or more delinquent, to the best of
        the
        Seller’s knowledge, there is no default, breach, violation or event which would
        permit acceleration existing under the Mortgage or the Mortgage Note and
        no
        event which, with the passage of time or with notice and the expiration of
        any
        grace or cure period, would constitute a default, breach, violation or event
        which would permit acceleration. No such default, breach, violation or event
        which would permit acceleration has been waived by the Seller or by any other
        entity involved in originating the Mortgage Loan. With respect to each second
        lien loan, (i) the prior mortgage is in full force and effect,
        (ii) there is no default, breach, violation or event which would permit
        acceleration existing under such prior mortgage or the related mortgage note,
        (iii) there is no event which, with the passage of time or with notice and
        the expiration of any grace or cure period, would constitute a default, breach,
        violation or event which would permit acceleration thereunder, and either
        (A) the prior mortgage contains a provision which allows or
        (B) applicable law requires, the mortgagee under the second lien loan to
        receive notice of, and affords such mortgagee an opportunity to cure any
        default
        by payment in full or otherwise under the prior mortgage;

       

      (h)  Original
        Terms Unmodified:
        The
        terms of the Mortgage Note and the Mortgage have not been impaired, waived,
        altered or modified in any respect from the date of origination, except by
        written instrument. Any such instrument was recorded in the applicable public
        recording office if necessary to protect the interests of the Purchaser in
        the
        related Mortgage Loan. In addition, the changes to the terms have been delivered
        to the Purchaser or its designee and reflected on the Loan Schedule. No Mortgage
        Loan has been modified so as to restructure the payment obligations or extend
        the maturity date of the Mortgage Loan. The substance of any such waiver,
        alteration or modification has been approved by the title insurer to the
        extent
        required by the title policy. No Mortgagor has been released, in whole or
        in
        part, except in connection with an assumption agreement, approved by the
        issuer
        of the title insurance, to the extent required by the policy, and which
        assumption agreement is part of the Custodial File delivered to the Purchaser
        or
        its designee and the terms of which are reflected in the Loan
        Schedule;

       

      (i)  No
        Satisfaction of Mortgage:
        The
        Mortgage has not been satisfied, cancelled, subordinated or rescinded, in
        whole
        or in part and the Mortgaged Property has not been released from the lien
        of the
        Mortgage, in whole or in part, nor has any instrument been executed that
        would
        effect any such satisfaction, cancellation, subordination, or rescission.
        The
        Seller has not waived the performance by the Mortgagor of any action, if
        the
        Mortgagor’s failure to perform such action would cause the Mortgage Loan to be
        in default, nor has the Seller waived any default resulting from any action
        or
        inaction by the Mortgagor;

       

      (j)  Customary
        Provisions:
        The
        Mortgage and related Mortgage Note contain customary and enforceable provisions
        such as to render the rights and remedies of the holder thereof adequate
        for the
        realization against the Mortgaged Property of the benefits of the security
        provided thereby, including: by trustee’s sale, in the case of a Mortgage
        designated as a deed of trust; and by judicial foreclosure. There are no
        homestead or other exemptions or other rights or interests available to the
        Mortgagor that would interfere with the right to sell the Mortgaged Property
        at
        a trustee’s sale or the right to foreclose the Mortgage, subject to applicable
        federal, state and local laws and judicial precedent with respect to bankruptcy
        and right of redemption or similar law;

       

      (k)  Full
        Disbursement of Loan Proceeds:
        Each
        Mortgage Loan has been closed and the proceeds of the Mortgage Loan have
        been
        fully disbursed. There is no obligation for the Mortgagee to advance additional
        funds and any and all requirements to complete any on-site or off-site
        improvement have been complied with as well as any disbursements of escrow
        funds;

       

      (l)  Ownership:
        The
        Seller is the sole owner of record and holder of the Mortgage Loan and the
        indebtedness evidenced by each Mortgage Note. The Mortgage Loan is not assigned
        or pledged other than for normal warehouse arrangements or other warehouse
        arrangements previously disclosed to the Purchaser, and the Seller has good,
        indefeasible and marketable title thereto, and has full right to transfer
        and
        sell the Mortgage Loan to the Purchaser free and clear of any encumbrance,
        equity, participation interest, lien, pledge, charge, claim or security
        interest, and has full right and authority subject to no interest or
        participation of, or agreement with, any other party, to sell and assign
        each
        Mortgage Loan pursuant to the underlying purchase documents, as
        applicable;

       

      (m)  Improvements:
        All the
        improvements that were considered in determining the appraised value of the
        Mortgaged Property lie wholly within its boundaries and the building restriction
        lines of the Mortgaged Property. Otherwise, the title insurance policy insures
        against loss or damage by reason of any violation, variation, encroachment
        or
        adverse circumstance that either is disclosed or would have been disclosed
        by an
        accurate survey. No improvements to adjoining properties encroach upon the
        Mortgaged Property in any respect so as to affect the value or marketability
        of
        the Mortgaged Property. No improvement located on, or being part of, the
        Mortgaged Property is in violation of any applicable zoning law or
        regulation;

       

      (n)  Proper
        Servicing:
        The
        Mortgage Loan has been serviced by the Seller (or a servicer or subservicer
        on
        its behalf) and any predecessor servicer in accordance with Accepted Servicing
        Practices, applicable laws and regulations and have been in all respects
        legal
        and proper and prudent in the mortgage origination and servicing
        business;

       

      (o)  All
        Payments Made:
        Other
        than with respect to payments not yet 30 days delinquent, no Mortgage Loan
        is 30
        or more days delinquent on the Closing Date, nor has any Mortgage Loan been
        delinquent since its origination date. The Seller has not advanced funds,
        or
        induced, solicited or knowingly received any advance of funds, directly or
        indirectly, from a party other than the owner of the related Mortgaged Property
        for the payment of any amount required by the Mortgage Note or Mortgage,
        except
        for interest accruing from the date of the Mortgage Note or date of disbursement
        of the Mortgage Loan proceeds, whichever is earlier, to the date which precedes
        by one month the due date of the first installment of principal and
        interest;

       

      (p)  Title
        Insurance Policy:
        Each
        Mortgage Loan is covered by an ALTA lender’s title insurance policy, or with
        respect to any Mortgage Loan for which the related Mortgaged Property is
        located
        in California, a CLTA lender’s title insurance policy or other generally
        acceptable form of policy or insurance acceptable to Fannie Mae or Freddie
        Mac.
        The title insurance policy:

       

      
        	(1)  	
                is
                  issued by a title insurer who is qualified to do business in the
                  jurisdiction where the Mortgaged Property is
                  located;

              

      

       

      
        	(2)  	
                insures
                  the Seller, its successors and assigns, as to the first or second
                  priority
                  lien of the Mortgage in the original principal amount of the Mortgage
                  Loan;

              

      

       

      
        	(3)  	
                insures
                  against any loss by reason of the invalidity or unenforceability
                  of the
                  lien resulting from the provisions of the Mortgage providing for
                  adjustment in the interest rate and monthly payment for any adjustable
                  rate Mortgage Loan;

              

      

       

      
        	(4)  	
                affirmatively
                  insures ingress and egress to and from the Mortgaged
                  Property;

              

      

       

      
        	(5)  	
                insures
                  against encroachments by or upon the Mortgaged Property or any
                  interest
                  therein;

              

      

       

      
        	(6)  	
                names
                  the Seller, its successors and assigns, as the sole insured of
                  the title
                  insurance policy;

              

      

       

      
        	(7)  	
                is
                  valid and remains in full force and effect;
                  and

              

      

       

      
        	(8)  	
                does
                  not contain any special exceptions (other than standard exclusions)
                  for
                  zoning and uses and has been marked to delete the standard survey
                  exceptions or to replace the standard exceptions with a specific
                  survey
                  reading;

              

      

       

      In
        addition, no claims are pending under such lender’s title insurance policy, and
        no prior holder of the related Mortgage, including the Seller, has done,
        by act
        or omission, anything that would impair the coverage of such
        policy;

       

      (q)  Fire,
        Hazard and Flood Insurance:
        All
        buildings and other improvements on the Mortgaged Property are insured. The
        buildings and other improvements are insured against loss by fire, hazards
        of
        extended coverage and other hazards. If the Mortgaged Property is in an area
        identified on a Flood Hazard Map or Flood Insurance Rate Map issued by the
        Federal Emergency Management Agency as having special flood hazards, the
        property must have a flood insurance policy in effect. The flood insurance
        policy meets the requirements of the current guidelines of the Federal Insurance
        Administration. All such insurance policies contain a standard Mortgagee
        clause
        naming the Seller, its successors and assigns as Mortgagee and all premiums
        due
        have been paid. Each Mortgage obligates the Mortgagor to maintain all such
        insurance at the Mortgagor’s cost and expense. If the Mortgagor fails to
        maintain such insurance, then the holder of the Mortgage is authorized to
        obtain
        such insurance and to seek reimbursement from the Mortgagor;

       

      (r)  Mortgaged
        Property Undamaged; No Condemnation Proceedings:
        (i)
        There is no proceeding pending or, to the Seller’s knowledge, threatened for the
        total or partial condemnation of the Mortgaged Property. (ii) To the Seller’s
        knowledge, the Mortgaged Property is undamaged by waste, fire, earthquake
        or
        earth movement, windstorm, flood, tornado or other casualty so as to affect
        adversely the value of the Mortgaged Property as security for the Mortgage
        Loan
        or the use for which the premises were intended; provided, however, that
        if it
        is discovered by the Seller that the substance of such representation and
        warranty is inaccurate, notwithstanding the Seller’s lack of knowledge with
        respect to the substance of such representation and warranty, such inaccuracy
        shall be deemed a breach of such representation and warranty.

       

      (s)  No
        Mechanics’ Liens:
        There
        are no mechanics’ or similar liens or claims which have been filed for work,
        labor or material (and no rights are outstanding that under law could give
        rise
        to such liens) affecting the related Mortgaged Property which are or may
        be
        liens prior to, or equal or coordinate with, the lien of the related Mortgage;
        provided, however, that this warranty shall be deemed not to have been made
        at
        the time of the initial issuance of the Certificates if a title policy
        affording, in substance, the same protection afforded by this warranty is
        furnished to the Trustee by the Seller;

       

      (t)  Single-premium
        Credit Insurance:
        In
        connection with the origination of any Mortgage Loan, no proceeds from any
        Mortgage Loan were used to finance a single-premium credit life, credit
        disability, credit unemployment or credit property insurance
        policy;

       

      (u)  Valid
        First and Second Lien:
        Each
        Mortgage is a valid, enforceable and perfected second lien on real estate
        constituting the Mortgaged Property, including all buildings and improvements
        on
        the Mortgaged Property and all installations and mechanical, electrical,
        plumbing, heating and air conditioning systems located in or annexed to such
        buildings, and all additions, alterations and replacements made at any time,
        with respect to the foregoing. The lien of the Mortgage is subject only to:
        the
        lien of the first mortgage on the Mortgaged Property; the lien of current
        real
        estate property taxes and assessments not yet due and payable; covenants,
        conditions and restrictions, rights of way, easements and other matters of
        the
        public record as of the date of recording acceptable to prudent mortgage
        lending
        institutions generally and specifically referred to in the lender’s title
        insurance policy delivered to the originator of the Mortgage Loan and
        (a) specifically referred to or otherwise considered in the appraisal made
        for the originator of the Mortgage Loan or (b) which do not adversely
        affect the appraised value of the Mortgaged Property set forth in such
        appraisal; and other matters to which like properties are commonly subject
        which
        do not materially interfere with the benefits of the security intended to
        be
        provided by the Mortgage or the use, enjoyment, value or marketability of
        the
        related Mortgaged Property. Any security agreement, chattel mortgage or
        equivalent document related to and delivered in connection with the Mortgage
        Loan establishes and creates a valid, subsisting, enforceable and perfected
        second lien and second priority security interest on the property described
        therein and Seller has full right to sell and assign the same to the
        Seller;

       

      (v)  No
        Delinquent Amounts:
        There
        are no delinquent amounts that affect the Mortgaged Property including, but
        not
        limited to: real estate property taxes; ground rents; water charges; sewer
        and
        municipal charges; insurance premiums; leasehold payments; and governmental
        assessments;

       

      (w)  Payment
        Terms:
        Principal payments on each Mortgage Loan commenced no more than sixty days
        after
        funds were disbursed in connection with such Mortgage Loan. The Mortgage
        Interest Rate as well as, with respect to Adjustable Rate Mortgage Loan,
        the
        lifetime rate cap and the periodic cap are as set forth on the Mortgage Loan
        Schedule. Except during the interest only period for any Interest Only Mortgage
        Loan and with respect to any balloon Mortgage Loan, the Mortgage Note is
        payable
        in equal monthly installments of principal and interest, which installments
        of
        interest, with respect to adjustable-rate loans, are subject to change due
        to
        the adjustments to the Mortgage Interest Rate on each adjustment date, as
        set
        forth in the related Mortgage Note, with interest calculated and payable
        in
        arrears, sufficient to fully amortize the Mortgage Loan by the stated maturity
        date, over an original term of not more than thirty years from commencement
        of
        amortization. No Mortgage Loan contains a provision allowing the Mortgagor
        to
        convert the mortgage interest rate from an adjustable interest rate to a
        fixed
        interest rate. No Mortgage Loan contains terms or provisions which would
        result
        in negative amortization;

       

      (x)  Prepayment
        Premiums:
        Except
        as set forth in the Mortgage Loan Schedule, each Mortgage Loan is subject
        to a
        Prepayment Premium. With respect to each Mortgage Loan that has a Prepayment
        Premium feature, each such Prepayment Premium is enforceable, and each
        Prepayment Premium is permitted pursuant to federal, state and local law.
        Each
        such Prepayment Premium is in an amount equal to or less than the maximum
        amount
        permitted under applicable law; however, no such Prepayment Premium may be
        imposed for a term in excess of three (3) years (or five years with respect
        to
        Mortgage Loans originated prior to October 1, 2002);

       

      (y)  Location
        and Type of Mortgaged Property:
        The
        Mortgaged Property is located in the state identified in the Mortgage Loan
        Schedule and consists of real property with a detached single family residence
        erected thereon, or a two- to four-family dwelling, or an individual condominium
        unit in a condominium project, or an individual unit in a planned unit
        development;

       

      (z)  Occupancy
        of Mortgaged Property:
        To the
        best of the Seller’s knowledge, the Mortgaged Property is lawfully occupied
        under applicable law. All inspections, licenses and certificates required
        to be
        made or issued with respect to all occupied portions of the Mortgaged Property
        and, with respect to the use and occupancy of the same, including but not
        limited to certificates of occupancy and fire underwriting certificates,
        have
        been made or obtained from the appropriate authorities;

       

      (aa)  Leaseholds:
        If the
        Mortgage Loan is secured by a long-term residential lease, (1) the lessor
        under the lease holds a fee simple interest in the land; (2) the terms of
        such lease expressly permit the mortgaging of the leasehold estate, the
        assignment of the lease without the lessor’s consent and the acquisition by the
        holder of the Mortgage of the rights of the lessee upon foreclosure or
        assignment in lieu of foreclosure or provide the holder of the Mortgage with
        substantially similar protections; (3) the terms of such lease do not
        (a) allow the termination thereof upon the lessee’s default without the
        holder of the Mortgage being entitled to receive written notice of, and
        opportunity to cure, such default, (b) allow the termination of the lease
        in the event of damage or destruction as long as the Mortgage is in existence,
        (c) prohibit the holder of the Mortgage from being insured (or receiving
        proceeds of insurance) under the hazard insurance policy or policies relating
        to
        the Mortgaged Property or (d) permit any increase in rent other than
        pre-established increases set forth in the lease; (4) the original term of
        such lease is not less than fifteen (15) years; (5) the term of such lease
        to extend at least five (5) years beyond the term of the Mortgage unless
        such
        lease contains a provision for future vesting of land to the Mortgagor or
        homeowner’s association after the maturity date of the Mortgage Note; and
        (6) the Mortgaged Property is located in a jurisdiction in which the use of
        leasehold estates in transferring ownership in residential properties is
        a
        widely accepted practice;

       

      (bb)  Credit
        Information:
        (i) As
        to each consumer report (as defined in the Fair Credit Reporting Act, Public
        Law
        91-508) or other credit information furnished by the Seller to the Purchaser,
        the Seller has full right and authority and is not precluded by law or contract
        from furnishing such information to the Purchaser and the Purchaser is not
        precluded by the terms of the Mortgage Loan Documents from furnishing the
        same
        to any subsequent or prospective purchaser of such Mortgage. (ii) The Seller
        has
        in its capacity as servicer, for each Mortgage Loan, fully furnished, in
        accordance with the Fair Credit Reporting Act and its implementing regulations,
        accurate and complete information (i.e., favorable and unfavorable) on its
        borrower credit files to Equifax, Experian Credit Information Services, Inc.
        and
        Trans Union Credit Information Company (three of the credit repositories),
        on a
        monthly basis;

       

      (cc)  Predatory
        Lending Regulations:
        No
        Mortgage Loan is a High Cost Loan. No Mortgage Loan
        originated on or after October 1, 2002 through March 6, 2003 is governed
        by the
        Georgia Fair Lending Act.

       

      (dd)  Arbitration:
        With
        respect to any Mortgage Loan originated after August 1, 2004, no Mortgagor
        agreed to submit to arbitration to resolve any dispute arising out of or
        relating in any way to the Mortgage Loan transaction;

       

      (ee)  LTV.
        No
        Mortgage Loan has a LTV greater than 100%;

       

      (ff)  Qualified
        Mortgage.
        The
        Mortgage Loan is a “qualified mortgage” within the meaning of Section 860G(a)(3)
        of the Code; 

       

      (gg)  Delivery
        to the Custodian.
        With
        respect to each Mortgage Loan, GSMC is in possession of a complete Mortgage
        File
        except for the documents which have been delivered to the Custodian or which
        have been submitted for recording and not yet returned; 

       

      (hh) No
        Fraud.
        To the
        best of the Seller’s knowledge, no action, error, omission, misrepresentation,
        negligence, fraud or similar occurrence regarding the Mortgage Loans has
        taken
        place on the part of the Seller or any person, including, without limitation,
        the Mortgagor, any independent contractor retained by the Seller, any appraiser,
        any broker, any correspondent, any builder or developer, or any other party
        involved in the origination or servicing of the Mortgage Loans; provided,
        however, that if it is discovered by the Seller that the substance of such
        representation and warranty is inaccurate, notwithstanding the Seller’s lack of
        knowledge with respect to the substance of such representation and warranty,
        such inaccuracy shall be deemed a breach of such representation and warranty;
        and

       

      (ii) Environmental
        Laws.
        To the
        best of the Seller’s knowledge, the Mortgaged Property is free from any and all
        toxic or hazardous substances and there exists no violation of any local,
        state
        or federal environmental law, rule or regulation; provided, however, that
        if it
        is discovered by the Seller that the substance of such representation and
        warranty is inaccurate, notwithstanding the Seller’s lack of knowledge with
        respect to the substance of such representation and warranty, such inaccuracy
        shall be deemed a breach of such representation and warranty.

       

      

       

      

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

       

      

       

      SCHEDULE
        I

       

      Conduit
        Mortgage Loan Schedule

      

    

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

    EXHIBIT
      V

     

    FORM
      OF
      ADDITIONAL DISCLOSURE NOTIFICATION

     

     

    **SEND
      VIA EMAIL TO DBSec.Notifications@db.com
      AND VIA OVERNIGHT MAIL TO THE ADDRESS IMMEDIATELY BELOW

     

    Deutsche
      Bank National Trust Company, as trustee

    1761
      St.
      Andrew Place

    Santa
      Ana, California 92705

    Email:
      DBSec.Notifications@db.com

     

    Attn.:
      Trust & Securities Services - GS071S

     

    
      	 	
              Re:

            	
              **Additional
                Form [10-D] [10-K] [8-K] Disclosure**
                Required

            

    

     

    Ladies
      and Gentlemen:

     

     

    In
      accordance with Section 8.12 of the Pooling and Servicing Agreement (the
“Agreement”),
      dated
      as of February 1, 2007, among GS Mortgage Securities Corp., as depositor, Ocwen
      Loan Servicing, LLC, as a servicer, Avelo Mortgage, L.L.C., as a servicer,
      Specialized Loan Servicing LLC, as a servicer, Wells Fargo Bank, National
      Association, as master servicer, U.S. Bank National Association, as a custodian,
      and Deutsche Bank National Trust Company, as trustee, the undersigned, as
      [_______________________], hereby notifies you that certain events have come
      to
      our attention that [will] [may] need to be disclosed on Form [10-D] [10-K]
      [8-K].

     

    Description
      of additional Form [10-D] [10-K] [8-K] Disclosure:

     

    List
      of
      any Attachments hereto to be included in the Additional Form [10-D] [10-K]
      [8-K]
      Disclosure:

     

    Any
      inquiries related to this notification should be directed to
      [___________________] phone number [_________________]; email address
      [__________________].

     

    [NAME
      OF
      PARTY],

    As
      [Role]

    By:___________________________

    Name:

    

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

    EXHIBIT
      W

    

    FINANCIAL
      GUARANTY INSURANCE POLICY

     

    

      

      

      
        	
                

              	
                CIFG
                  Assurance North America, Inc.

                825
                  Third Avenue, Sixth Floor

                New
                  York, NY 10022

                For
                  information, contact (212) 909-3939

                Toll-free
                  (866) 243-4212

                 

                 

              

      

      FINANCIAL
        GUARANTY INSURANCE POLICY

       

      
        	
                ISSUER:

              	
                GSAA
                  Home Equity Trust 2007-S1

              	
                Policy
                  No.: 

              	CIFG
                NA-1522
	
                CUSIP:

              	
                362246
                  AA8

              	
                Effective
                  Date: 

              	February
                28,
                2007
	
                OBLIGATIONS:

              	
                $277,251,000
                  Mortgage Pass-Through Certificates, Series 2007-S1, Class A-1
                  Certificates

              	 

      

       

      
 

      CIFG
        ASSURANCE NORTH AMERICA, INC. (“CIFG NA”), for consideration received, hereby
        UNCONDITIONALLY AND IRREVOCABLY GUARANTEES to each Policyholder, subject
        only to
        the terms and conditions of this Policy (which includes each endorsement
        hereto), the full and complete payment by or on behalf of the Issuer of Regular
        Payments of principal of and interest on the Obligations. 

       

      For
        the
        further protection of each Policyholder, CIFG NA irrevocably and unconditionally
        guarantees:

       

      (1) payment
        of any amount required to be paid under this Policy by CIFG NA following
        CIFG
        NA’s receipt of notice and instruments of assignment as described in Endorsement
        No. 1 hereto and

       

      (2) payment
        of the amount of any distribution of principal of and interest on the
        Obligations made during the Term of this Policy to such Policyholder that
        is
        subsequently avoided in whole or in part as a preference payment under
        applicable law, all as described in Endorsement No. 1 hereto.

       

      CIFG
        NA
        shall be subrogated to the rights of each Policyholder to receive payments
        under
        the Obligations to the extent of any payment by CIFG NA hereunder.

       

      The
        following terms shall have the meanings specified below, subject to and
        including any modifications set forth in any endorsement hereto, for all
        purposes of this Policy. “Effective Date,” “Issuer” and “Obligations” mean,
        respectively, the Effective Date, Issuer and Obligations referenced above.
        “Policyholder” means, if the Obligations are in book-entry form, the registered
        owner of any Obligation as indicated on the registration books maintained
        by or
        on behalf of the Issuer for such purpose or, if the Obligations are in bearer
        form, the holder of any Obligation; provided,
        however,
        that
        any trustee acting on behalf of and for the benefit of such registered owner
        or
        holder shall be deemed to be the Policyholder to the extent of such trustee’s
        authority. “Regular Payments” means payments of interest and principal which are
        agreed to be made during the Term of this Policy in accordance with the original
        terms of the Obligations when issued and without regard to any amendment
        or
        modification of such Obligations thereafter; payments which become due on
        an
        accelerated basis as a result of (a) a default by the Issuer or any other
        person, (b) an election by the Issuer to pay principal or other amounts on
        an
        accelerated basis or (c) any other cause, shall not constitute “Regular
        Payments” unless CIFG NA shall elect, in its sole discretion, to pay such
        principal due upon such acceleration together with any accrued interest to
        the
        date of acceleration. “Term of this Policy” has the meaning set forth in
        Endorsement No. 1 hereto. 

       

      This
        Policy sets forth in full the undertaking of CIFG NA, and shall not be modified,
        altered or affected by any other agreement or instrument, including any
        modification or amendment thereto or to the Obligations (except a
        contemporaneous or subsequent agreement or instrument given by CIFG NA or
        to
        which CIFG NA has given its written consent) or by the merger, consolidation
        or
        dissolution of the Issuer. The premiums paid in respect of this Policy are
        nonrefundable for any reason whatsoever, including payment, or provision
        being
        made for payment, of the Obligations prior to maturity. This Policy may not
        be
        cancelled or revoked during the Term of this Policy, including for nonpayment
        of
        premium due to CIFG NA. Payments under this Policy may not be accelerated
        except
        at the sole option of CIFG NA.

       

      In
        witness whereof, CIFG ASSURANCE NORTH AMERICA, INC. has caused this Policy
        to be
        executed on its behalf by its Authorized Officer.

       

       

      

        
          	 	
                  CIFG
                    ASSURANCE NORTH AMERICA, INC.

                	 
	 	 	 
	 	 	 
	 	
                  By

                	 	 
	 	 	
                  Authorized
                    Officer

                	 

        

      

       

       

      

         

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

       

      
        	
                

              	
                Policy
                  Number CIFG NA-1522

                Effective
                  Date: February 28, 2007

              

      

      

      .

      

      ENDORSEMENT
        NO. 1

      TO
        FINANCIAL GUARANTY INSURANCE POLICY NO. CIFG NA-1522

       

      CIFG
        ASSURANCE NORTH AMERICA, INC.

       

      1.  Definitions.
        For all
        purposes of this Policy, the terms specified below shall have the meanings
        or
        constructions provided below. Capitalized terms used without definition herein
        shall have the meanings provided in the documents governing the Obligations
        unless the context shall otherwise require.

       

      “Business
        Day”
means
        any day other than a Saturday, Sunday, legal holiday or other day on which
        banking institutions in New York, New York, or Paris, France, or any other
        location in which the principal office of the Trustee, CIFG NA or the Fiscal
        Agent through which it conducts the business provided hereunder is located
        or
        authorized to remain closed.

       

      “CIFG
        NA”
means
        CIFG Assurance North America, Inc. and its successors and permitted
        assigns.

       

      “Policy”
means
        the Financial Guaranty Insurance Policy No. CIFG NA-1522 and each endorsement
        thereto.

       

      “Receipt”
and
        “Received”
mean
        actual delivery to each of CIFG NA and the Fiscal Agent (as defined below),
        if
        any, prior to 12:00 p.m., New York City time, on a Business Day; delivery
        either
        on a day that is not a Business Day, or after 12:00 p.m., New York City time,
        shall be deemed to be Receipt on the next succeeding Business Day. If any
        notice
        or certificate given hereunder by the Policyholder is not in proper form
        or is
        not properly completed, executed or delivered in all material respects, it
        shall
        be deemed not to have been Received, and CIFG NA or its Fiscal Agent shall
        promptly so advise the Policyholder and the Policyholder may submit an amended
        notice.

       

      “Regular
        Distribution Date”
means
        (i), when referring to interest on an Obligation, the stated date for
        distribution of interest and (ii), when referring to the principal of an
        Obligation, the stated final distribution date thereof and does not refer
        to any
        earlier date on which payment is due by reason of any clean-up call or other
        advancement of maturity unless CIFG NA shall elect, in its sole discretion,
        to
        pay such principal due upon such acceleration together with any accrued interest
        to the date of acceleration.

       

      “Regular
        Payments”
means
        any and all regularly scheduled payments of interest and the final payment
        of
        principal on the Obligations required to be made in accordance with their
        original terms and without regard to any subsequent amendment or modification
        thereof except amendments or modifications to which CIFG NA has given its
        prior
        written consent. Regular Payments payable hereunder shall include (i) with
        respect to any Distribution Date, the amount, if any, by which the amount
        available to be paid as interest to the Obligations (including, without
        limitation, any Net Swap Receipts), pursuant to the priority of payments
        set
        forth in the Pooling and Servicing Agreement, is less than the Accrued
        Certificate Interest Distribution Amount allocable to the Obligations, and
        (ii)
        to the extent unpaid on the Final Scheduled Distribution Date, after taking
        into
        account all distributions to be made on such date, any remaining Class
        Certificate Balance of the Obligations. Regular Payments shall not include,
        nor
        shall coverage be provided under this Policy in respect of: (1) any taxes,
        withholding or other charge imposed by any governmental authority due in
        connection with the payment of any Regular Payment to the Policyholder or
        (2)
        any amounts due in respect of the Obligations but unpaid as a result of any
        Prepayment Interest Shortfalls, any Relief Act Interest Shortfalls or any
        Basis
        Risk Carry Forward Amounts.

       

      “Term
        of this Policy”
means
        the period from and including the Effective Date to and including the date
        on
        which (i) all Regular Payments have been paid and the Obligations have been
        terminated in accordance with their terms; (ii) any period during which any
        Regular Payment could have been avoided in whole or in part as a preference
        payment under applicable bankruptcy, insolvency, receivership or similar
        law
        shall have expired; and (iii) if any proceedings requisite to avoidance as
        a
        preference payment have been commenced prior to the occurrence of (i) and
        (ii),
        a final and nonappealable order in resolution of each such proceeding has
        been
        entered.

       

      2.  Notices
        and Conditions to Payment in Respect of Regular Payments.
        Following Receipt by CIFG NA of a notice of claim and certificate from the
        Policyholder in the form attached as Exhibit A to this Endorsement (a
“Notice
        of Claim and Certificate”),
        CIFG
        NA will pay any amount payable hereunder in respect of Regular Payments on
        the
        Obligations on the later to occur of (a) 12:00 p.m., New York City time,
        on the
        second Business Day following such Receipt and (b) 12:00 p.m., New York City
        time, on the Business Day immediately preceding the Regular Distribution
        Date on
        which such payment is due on the Obligations. Payments due hereunder in respect
        of Regular Payments will be disbursed to the Policyholder by wire transfer
        of
        immediately available funds to such account as the Policyholder shall specify
        in
        writing at the time of or prior to the delivery of the Notice of Claim and
        Certificate in respect of such Regular Payment.

       

      CIFG
        NA
        shall be entitled to pay any amount hereunder in respect of Regular Payments
        on
        the Obligations, including any amount payable upon its election on the
        Obligations on an accelerated basis, whether or not any notice and certificate
        shall have been Received by CIFG NA as provided above; provided,
        however,
        that by
        acceptance of this Policy the Policyholder agrees to provide upon request
        to
        CIFG NA a Notice of Claim and Certificate in respect of any such payments
        or
        deliveries made by CIFG NA. CIFG NA’s obligation hereunder in respect of Regular
        Payments shall be discharged to the extent funds are disbursed by CIFG NA
        as
        provided herein whether or not such funds are properly applied by any custodian
        or agent appointed by the Policyholder.

       

      3.  Notices
        and Conditions to Payment in Respect of Regular Payments Avoided as Preference
        Payments.
        If any
        Regular Payment paid in respect of the Obligations during the Term of this
        Policy is avoided as a preferential transfer or similar payment (a “Preference
        Payment”)
        under
        applicable bankruptcy, insolvency, receivership or similar law (“Insolvency
        Law”),
        CIFG
        NA will pay such amount out of the funds of CIFG NA on the later of (a) the
        date
        when due to be paid pursuant to the Order referred to below or (b) the first
        to
        occur of (i) the fourth Business Day following Receipt by CIFG NA from the
        Policyholder of (A) a certified copy of the order (the “Order”)
        of the
        court or other governmental body of competent jurisdiction to the effect
        that
        the Policyholder is required to return all or part of such Regular Payment
        because such payment was avoidable as a Preference Payment under applicable
        Insolvency Law, (B) a certificate of the Policyholder that the Order has
        been
        entered and is not subject to any stay and (C) an assignment duly executed
        and
        delivered by the Policyholder in such form as is reasonably required by CIFG
        NA,
        and provided to the Policyholder by CIFG NA, irrevocably assigning to CIFG
        NA
        all rights and claims of the Policyholder relating to or arising under the
        Obligations against the Issuer or its estate or otherwise with respect to
        such
        Preference Payment or (ii) the date of Receipt by CIFG NA from the Policyholder
        of the items referred to in clauses (A), (B) and (C) above if, at least four
        Business Days prior to such date of Receipt, CIFG NA shall have Received
        written
        notice from the Policyholder that such items were to be delivered on such
        date
        and such date was specified in such notice. Such payment shall be disbursed
        to
        the receiver, conservator, debtor-in-possession or trustee in bankruptcy
        named
        in the Order, and not the Policyholder directly (unless the Policyholder
        has
        previously paid such amount to the receiver, conservator, debtor-in-possession
        or trustee in bankruptcy named in the Order, in which case such payment shall
        be
        disbursed to the Policyholder upon proof of such payment reasonably satisfactory
        to CIFG NA).

       

      4.  Fiscal
        Agent.
        At any
        time during the Term of this Policy, CIFG NA may appoint a fiscal agent (the
        “Fiscal
        Agent”)
        for
        purposes of this Policy by written notice to the Policyholder at the notice
        address specified in the documents governing the Obligations specifying the
        name
        and notice address of the Fiscal Agent. From and after the date of receipt
        of
        such notice by the Policyholder, (i) copies of all notices and documents
        required to be delivered to CIFG NA pursuant to this Policy shall be
        simultaneously delivered to the Fiscal Agent and CIFG NA and shall not be
        deemed
        Received until Received by each, and (ii) all payments required to be made
        by
        CIFG NA under this Policy may be made directly by CIFG NA or by the Fiscal
        Agent
        on behalf of CIFG NA. The Fiscal Agent is the agent of CIFG NA only and the
        Fiscal Agent shall in no event be liable to any Policyholder for any acts
        of the
        Fiscal Agent or any failure of CIFG NA to deposit, or cause to be deposited,
        sufficient funds to make payments due under the Policy.

       

      5.  Notices.
        All
        notices to be given hereunder shall be in writing (except as otherwise
        specifically provided herein) and shall be mailed by registered mail or
        personally delivered or telecopied to CIFG NA as follows:

       

      CIFG
        Assurance North America, Inc. 

      825
        Third
        Avenue, Sixth Floor

      New
        York,
        New York 10022

      Attention:
        General Counsel 

      Telecopy
        No.: (212) 909-3959

       

      CIFG
        NA
        may specify a different address or addresses by writing mailed or delivered
        to
        the Policyholder.

       

      6.  Priorities.
        In the
        event that any term or provision of the face of this Policy is inconsistent
        with
        the provisions of this Endorsement, the provisions of this Endorsement shall
        take precedence and shall be binding.

       

      7.  Assignment
        of CIFG NA Obligations.
        The
        obligations of CIFG NA hereunder may be assigned to any affiliate of CIFG
        NA
        that is licensed as a financial guaranty insurance corporation; provided
        that at
        the time of such assignment the insurance strength or insurance financial
        strength of such affiliate is rated at least equal to the insurance strength
        or
        insurance financial strength of CIFG NA, and that the rating of the Obligations
        shall not have been reduced as a result of such assignment, by Moody’s Investors
        Service, Inc. and Standard & Poor’s Ratings Services or their respective
        successors as nationally recognized statistical rating
        organizations.

       

      8.  Surrender
        of Policy.
        The
        Policyholder shall surrender this Policy to CIFG NA for cancellation upon
        expiration of the Term of this Policy.

       

      IN
        WITNESS WHEREOF, CIFG ASSURANCE NORTH AMERICA, INC. has caused this Endorsement
        No. 1 to be executed by its Authorized Officer.

       

      

       

      
        	 	 	 	 	 	 	 	
                CIFG
                  ASSURANCE NORTH AMERICA, INC.

              
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
                By:

              	 
	 	 	 	 	 	 	 	 	
                Authorized
                  Officer

              
	 	 	 	 	 	 	 	 	 

      

      

      

      

      

      

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

       

      Exhibit
        A

      To
        Endorsement No. 1

       

      NOTICE
        OF CLAIM AND CERTIFICATE

       

      CIFG
        Assurance North America, Inc.

      825
        Third
        Avenue, Sixth Floor

      New
        York,
        NY 10022 

       

      The
        undersigned, a duly authorized officer of [Policyholder] (or any permitted
        successor or assignee of its rights under the Obligations as defined in the
        Policy described below) (the “Policyholder”),
        hereby certifies to CIFG Assurance North America, Inc. (“CIFG
        NA”),
        with
        reference to Financial Guaranty Insurance Policy No. CIFG NA-1522 having
        an
        Effective Date of February 28, 2007 (the “Policy”)
        issued
        by CIFG NA in respect of the Obligations (capitalized terms used without
        definition herein having the meanings provided in the Policy unless the context
        shall otherwise require), that:

       

      (i) The
        Policyholder is the Policyholder under the Policy

       

      (ii) [As
        of
        _____ p.m. ________ time on the second Business Day preceding the Regular
        Distribution Date to occur on [date], the Policyholder has not been advised
        in
        writing by the Issuer as to a source of funds reasonably satisfactory to
        the
        Policyholder sufficient to make payment in full of a Regular Payment required
        to
        be made on such Regular Distribution Date] [The Regular Payment required
        to be
        made on the Regular Distribution Date falling on [date] has not been paid
        in
        full]. The Regular Payment has been calculated as follows: [show
        calculation].

       

      (iii) Accordingly,
        the Policyholder is hereby making a claim under the Policy for the required
        amount to make up the difference between the amount received and the amount
        of
        the foregoing Regular Payment. The Policyholder will withdraw this Notice
        of
        Claim and Certificate, or submit a restated Notice of Claim and Certificate
        reducing the amount of the claim hereunder, if the required amount of any
        Regular Payment has been reduced (including reduction to zero) on or prior
        to
        any date on which CIFG NA is required to make payment or delivery under the
        Policy.

       

      (iv) If
        the
        Policyholder receives from the Issuer and CIFG NA an amount in excess of
        a
        Regular Payment, the Policyholder shall immediately return the excess amount
        to
        CIFG NA.

       

      (v) In
        consideration of the payments made and to be made to the Policyholder by
        CIFG NA
        under the Policy, the Policyholder hereby assigns to CIFG NA all of its interest
        in and rights with respect to the Obligations (including the documents governing
        the Obligations). The foregoing assignment is in addition to, and not in
        limitation of, rights of subrogation otherwise available to CIFG NA in respect
        of such payments. Payments to CIFG NA in respect of the foregoing assignment
        shall in all cases be subject to and subordinate to the rights of the
        Policyholder to receive all Regular Payments in respect of the aforementioned
        Obligations. The Policyholder shall take such action and deliver such
        instruments as may be reasonably requested or required by CIFG NA to effectuate
        the purpose or provisions of this clause (v).

       

      (vi) The
        Policyholder hereby agrees that CIFG NA may at any time during the continuation
        of any proceeding by or against the Issuer under any applicable bankruptcy,
        insolvency, receivership, rehabilitation or similar law (an “Insolvency
        Proceeding”)
        direct
        all matters relating to such Insolvency Proceeding, including, without
        limitation, (A) all matters relating to such Insolvency Proceeding seeking
        the
        avoidance as a preferential transfer of any payment made with respect to
        the
        Obligations (a “Preference Claim”), (B) the direction of any appeal of any order
        relating to any Preference Claim at the expense of CIFG NA and (C) the posting
        of any surety, supersedeas or performance bond pending any such appeal. In
        addition, the Policyholder hereby agrees that CIFG NA shall be subrogated
        to,
        and the Policyholder hereby assigns, to the fullest extent permitted by law,
        the
        rights of the Policyholder in the conduct of any Insolvency Proceeding,
        including, without limitation, all rights of any party to an adversary
        proceeding or action with respect to any court order issued in connection
        with
        any such Insolvency Proceeding. 

       

      (vii) Payment
        should be made by wire transfer directed to the following account in
        [city]:

       

      [Policyholder’s
        wire transfer information]

       

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

      IN
        WITNESS WHEREOF, the Policyholder has executed and delivered this Notice
        of
        Claim and Certificate as of the ______
        day of
_____________,
        _________.

       

      

      
        	 	 	 	 	 	 	 	
                [POLICYHOLDER]

              
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
                By:

              	 
	 	 	 	 	 	 	 	
                Title:

              	 

      

      

      

      

      

       

      

       

      For
        CIFG
        NA or 

      Fiscal
        Agent Use Only

       

      Wire
        transfer sent on _______________
        by
_______________

       

      Confirmation
        Number _______________

       

      

       

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

      

       

      ENDORSEMENT
        NO. 2

      TO
        FINANCIAL GUARANTY INSURANCE POLICY NO. CIFG NA-1522

       

      CIFG
        ASSURANCE NORTH AMERICA, INC.

       

      Notwithstanding
        the terms and provisions contained in this Policy, it is further understood
        that
        any person who, with intent to defraud or knowing that he is facilitating
        a
        fraud against an insurer, submits an application or files a claim containing
        a
        false or deceptive statement is guilty of insurance fraud.

       

      IN
        WITNESS WHEREOF, CIFG ASSURANCE NORTH AMERICA, INC. has caused this Endorsement
        No. 2 to be executed by its Authorized Officer.

       

      

       

      
        	 	 	 	 	 	 	 	
                CIFG
                  ASSURANCE NORTH AMERICA, INC.

              
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
                By:

              	 
	 	 	 	 	 	 	 	 	
                Authorized
                  Officer

              
	 	 	 	 	 	 	 	 	 

      

      

      

      

      

       

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

      

       

      ENDORSEMENT
        NO. 3

      TO
        FINANCIAL GUARANTY INSURANCE POLICY NO. CIFG NA-1522

       

      CIFG
        ASSURANCE NORTH AMERICA, INC.

       

      1. THIS
        POLICY IS NOT COVERED BY THE PROPERTY/CASUALTY INSURANCE SECURITY FUND SPECIFIED
        IN ARTICLE 76 OF THE NEW YORK INSURANCE LAW.

       

      2. This
        Policy shall be governed by and construed in accordance with the laws of
        the
        State of New York without giving effect to the conflict of laws principles
        thereof.

       

      IN
        WITNESS WHEREOF, CIFG ASSURANCE NORTH AMERICA, INC. has caused this Endorsement
        No. 3 to be executed by its Authorized Officer.

       

      

       

      
        	 	 	 	 	 	 	 	
                CIFG
                  ASSURANCE NORTH AMERICA, INC.

              
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
                By:

              	 
	 	 	 	 	 	 	 	 	
                Authorized
                  OfficerExhibit 10.1

    
      
        

      

    

    Exhibit
      10.1

     

    
 

    

     

    REVOLVING
      LINE OF CREDIT AGREEMENT

     

    by
      and
      between

     

    JPMORGAN
      CHASE BANK, N.A.,

    a
      national banking association,

     

    as
      Lender,

     

    and

     

    FRANKLIN
      COVEY CO.,

    a
      Utah
      corporation,

     

    as
      Borrower

     

    Dated
      as
      of March 14, 2007

     

    
 

    
      

      

    

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

    REVOLVING
      LINE OF CREDIT AGREEMENT

     

    THIS
      REVOLVING
      LINE OF CREDIT AGREEMENT
      is made
      as of March 14, 2007, by and between FRANKLIN
      COVEY CO.,
      a Utah
      corporation (“Borrower”),
      whose
      address is 2200 West Parkway Blvd., Salt Lake City, Utah 84119, and JPMORGAN
      CHASE BANK, N.A.,
      a
      national banking association (“Lender”),
      whose
      mailing address is 80 West Broadway, Suite 200, Salt Lake City, Utah
      84101.

     

    RECITALS:

     

    A. Borrower
      has applied to Lender for a revolving line of credit loan to finance Borrower’s
      general corporate purposes, including Borrower’s working capital needs, the
      redemption of Borrower’s common or preferred stock, or other Borrower purposes,
      and for other uses approved by Lender, upon the terms and subject to the
      conditions set forth herein.

     

    B. Based
      on
      the foregoing and upon the terms and subject to the conditions set forth herein,
      Lender is willing to extend the requested revolving line of credit loan to
      Borrower.

     

    NOW,
      THEREFORE, in consideration of the covenants and conditions herein contained,
      the parties agree as follows:

     

    ARTICLE
      1  

     

    DEFINITIONS

     

    1.1  Definitions.
      As used
      herein, the following terms shall have the meanings set forth
      below:

     

    “Account
      Control Agreement”
means
      that certain Account Control Agreement of even date herewith by and among
      Borrower, Guarantor, Collateral Agent and Zions.

     

    “Advance”
means
      a
      disbursement of Loan proceeds.

     

    “Affiliate”
of
      any
      Person means any other Person directly or indirectly controlling or controlled
      by or under direct or indirect common control with such Person. For the purposes
      of this definition, “control,” when used with respect to any Person, means the
      power to direct the management and policies of such Person, directly or
      indirectly, whether through the ownership of voting securities, by contract
      or
      otherwise; and the terms “controlling” and “controlled” have meanings
      correlative to the foregoing. The term “Affiliate” does not include the
      officers, directors, or employees of a Person, if the Person is a corporation,
      and does not include the employees or managers of a Person, if the Person is
      a
      limited liability company or limited partnership.

     

    “Agreement”
means
      this Revolving Line of Credit Agreement, as the same may be amended and
      supplemented from time to time.

     

    “Authorized
      Representative”
means,
      for any Person, the person or persons designated by that Person to take any
      and
      all actions on the part of that Person under any of the Loan Documents or in
      connection with the Loan.

     

    “Average
      Quarterly Outstanding Balance”
means
      the aggregate sum of the outstanding and unpaid balance of the Loan for each
      day
      during a calendar quarter (or portion thereof) with respect to which the Unused
      Commitment Fee is being computed, divided by the number of days in that calendar
      quarter (or portion thereof).

     

    “Borrower”
has
      the
      meaning set forth in the introductory paragraph of this Agreement, together
      with
      its successors and permitted assigns.

     

    “Borrower
      Operating Documents”
means
      the Articles of Incorporation of Borrower, as filed with the predecessor filing
      office to the Utah Department of Commerce, Division of Corporations and
      Commercial Code on December 2, 1983, and the Amended and Restated Bylaws of
      Borrower, dated effective as of January 11, 2002, and all modifications and
      amendments to those documents, pursuant to which Borrower has been formed and
      exists.

     

    “Business
      Day”
means
      a
      day other than a Saturday, Sunday or any other day on which Lender’s branch
      located at 80 West Broadway, Salt Lake City, Utah is authorized or obligated
      to
      close.

     

    “Capital
      Expenditures”
means
      expenditures for fixed or capital assets as determined in accordance with
      GAAP.

     

    “Change
      of Control”
(a)
      means the closing of a sale or other disposition of all or substantially all
      of
      Borrower’s or Guarantor’s assets; (b) shall be deemed to have occurred at such
      time as a “person” or “group” (within the meaning of Sections 13(d) and 14(d)(2)
      of the Securities Exchange Act of 1934, as amended) becomes the “beneficial
      owner” (as defined in Rule 13d3 under the Securities Exchange Act of 1934, as
      amended), directly or indirectly, of more than fifty percent (50%) of the total
      voting power of all classes of stock then outstanding of Borrower entitled
      to
      vote in the election of directors; or (c) Borrower’s or Guarantor’s merger into
      or consolidation with any other entity, or any other reorganization or transfer,
      directly or indirectly, of the ownership interests in Borrower or Guarantor,
      in
      which the holders of the outstanding ownership interests in Borrower or
      Guarantor immediately prior to such transaction receive or retain, in connection
      with such transaction on account of their ownership interests, ownership
      interests representing less than fifty percent (50%) of the voting power of
      the
      entity surviving such transaction; provided,
      however,
      that a
      Change of Control shall not include a merger effected exclusively for the
      purpose of changing the domicile of Borrower or Guarantor or a merger of a
      Guarantor into Borrower or another Guarantor.

     

    “Closing
      Date”
means
      the date upon which Borrower, Guarantor and Lender have executed and delivered
      each of the Loan Documents and each of the conditions precedent and other
      requirements in Article 4
      have
      been satisfied or waived, as determined by Lender in its sole and absolute
      discretion.

     

    “Code”
means
      the Internal Revenue Code of 1986, as amended, and any successor statute
      promulgated in replacement thereof, together with all temporary, final and
      other
      Treasury Regulations promulgated under the Code.

     

    “Collateral”
means
      all of Borrower’s and Guarantor’s assets and proceeds thereof, including,
      without limitation, the personal property subject to the Security Agreement,
      including proceeds, products, interest on and investments thereof from time
      to
      time, and all other property, interests in property, and rights to property
      securing any or all of Borrower’s and Guarantor’s payment and other obligations
      under the Loan Documents from time to time.

     

    “Collateral
      Agent”
means
      JPMORGAN
      CHASE BANK, N.A.,
      a
      national banking association, not in its individual capacity, but solely as
      collateral agent for Lender and Zions.

     

    “Consolidated
      Entities”
means
      Borrower and any Subsidiaries thereof, including, without limitation,
      Guarantor.

     

    “Covenant
      Compliance Certificate”
means
      a
      Covenant Compliance Certificate in form and substance satisfactory to Lender,
      which shall be in substantially the form attached hereto as Exhibit
      A
      from
      Borrower to Lender certifying compliance with the financial covenants set forth
      in Section
      6.8
      of this
      Agreement, together with such other supporting documents and information as
      Lender may require from time to time in accordance herewith.

     

    “Default
      Interest Rate”
means
      a
      rate of interest equal to the lesser of (a) the aggregate of THREE PERCENT
      (3%)
      per annum plus the Interest Rate, or (b) the highest rate legally permissible
      under applicable Requirements of Law. The Default Interest Rate shall change
      from time to time as and when the Interest Rate changes.

     

    “Early
      Termination Fee”
means,
      as of the date of any early termination of the Loan by Borrower pursuant to
      Section
      2.6(c),
      an
      amount equal to the sum of (a) the Unused Commitment Fee for the portion of
      the
      calendar quarter that has passed as of such date and (b) using a discount rate
      of seven percent (7%), the net present value of the aggregate amount of future
      Unused Commitment Fees which would have been due (assuming an Average Quarterly
      Outstanding Balance of $0.00) for each calendar quarter (or portion thereof)
      remaining in the term of the Loan after the date Borrower terminates the
      Loan.

     

    “EBITDAR”
shall
      have the meaning given in Section
      6.8(a).

     

    “ERISA”
means
      the Employee Retirement Income Security Act of 1974, as amended, and any
      successor statute of similar import, together with the regulations thereunder,
      in each case as in effect from time to time. References to sections of ERISA
      shall be construed to also refer to any successor sections.

     

    “ERISA
      Affiliate”
means
      any corporation, partnership, or other trade or business (whether or not
      incorporated) that is, along with Borrower or Guarantor, a member of a
      controlled group of corporations or a controlled group of trades or businesses,
      as described in sections 414(b) and 414(c), respectively, of the Code or section
      4001 of ERISA, or a member of the same affiliated service group within the
      meaning of section 414(m) of the Code.

     

    “Event
      of Default”
means
      the occurrence of any of the events listed in Section
      7.1
      and the
      expiration of any applicable notice and cure period provided in said
      section.

     

    “Financing
      Statement”
means
      one or more UCC financing statements and/or addenda thereto, to be prepared
      by
      Collateral Agent, naming Borrower and/or Guarantor, as applicable, as debtor,
      in
      favor of Collateral Agent, as secured party, and perfecting Collateral Agent’s
      security interest in the Collateral now owned or hereafter acquired by Borrower
      and Guarantor, in form and substance satisfactory to Collateral Agent, to be
      filed with the Utah Department of Commerce, Division of Corporations and
      Commercial Code and in such other offices for recording or filing such
      statements in such jurisdictions as Collateral Agent shall desire to perfect
      Collateral Agent’s liens and security interest or reflect such interest in
      appropriate public records.

     

    “Franklin
      Covey Mexico”
      means
      FRANKLIN COVEY MEXICO, INC.,
      a Utah
      corporation.

     

    “GAAP” shall
      have the meaning given in Section
      1.3.

     

    “Governmental
      Authority”
means
      the government of the United States of America, any other nation or any
      political subdivision thereof, whether state or local, and any agency,
      authority, instrumentality, regulatory body, court, central bank or other entity
      exercising executive, legislative, judicial, taxing, regulatory or
      administrative powers or functions of or pertaining to government.

     

    “Guarantor”
means,
      individually and collectively, as the context requires, and jointly and
      severally, all present and future domestic Subsidiaries of Borrower, including,
      without limitation, FRANKLIN
      COVEY PRINTING, INC.,
      a Utah
      corporation (“Printing”),
      FRANKLIN
      DEVELOPMENT CORPORATION,
      a Utah
      corporation (“Development”),
      FRANKLIN
      COVEY TRAVEL, INC.,
      a Utah
      corporation (“Travel”),
      FRANKLIN
      COVEY CATALOG SALES, INC.,
      a Utah
      corporation (“Catalog”),
      FRANKLIN
      COVEY CLIENT SALES, INC.,
      a Utah
      corporation (“Client”),
      FRANKLIN
      COVEY PRODUCT SALES,
      a Utah
      corporation (“Product”),
      FRANKLIN
      COVEY SERVICES, L.L.C.,
      a Utah
      limited liability company (“Services”),
      and
FRANKLIN
      COVEY MARKETING, LTD.,
      a Utah
      limited partnership (“Marketing”).

     

    “Guarantor
      Loan Documents”
means
      the Guaranty and any other guaranties, agreements, documents, or instruments
      now
      or hereafter executed by Guarantor evidencing, guarantying, securing or
      otherwise related to the obligations of Guarantor or the Loan, as the Guaranty
      and such other guaranties, agreements, documents, and instruments may be
      amended, modified, extended, renewed, or supplemented from time to
      time.

     

    “Guarantor
      Operating Documents”
means
      the articles of incorporation, articles of organization, certificate of
      partnership, bylaws, operating agreements and limited partnership agreements
      of
      Guarantor, as applicable, and all modifications and amendments to those
      documents, pursuant to which Guarantor has been formed and exists.

     

    “Guaranty”
means
      that certain Repayment Guaranty executed by Guarantor, as the same may be
      amended, modified, supplemented and restated from time to time.

     

    “Indebtedness”
means,
      as to any Person (a) indebtedness created, issued, incurred or assumed by such
      Person for borrowed money or evidenced by bonds, debentures, notes or similar
      instruments; (b) all obligations of such Person to pay the deferred purchase
      price of property or services; (c) all indebtedness secured by a lien on any
      asset of such Person whether or not such indebtedness is assumed by such Person;
      (d) all obligations, contingent or otherwise, of such Person directly or
      indirectly guaranteeing any indebtedness or other obligation of any other Person
      or in any manner providing for the payment of any indebtedness or other
      obligation of any other Person or otherwise protecting the holder of such
      indebtedness against loss (excluding endorsements for collection or deposit
      in
      the ordinary course of business); (e) the amount of all reimbursement
      obligations and other obligations of such Person (whether due or to become
      due,
      contingent or otherwise) in respect of letters of credit, bankers’ acceptances,
      surety or other bonds (but excluding surety or other bonds in favor of
      Governmental Authorities) and similar instruments; (f) all obligations under
      leases capitalized in accordance with GAAP; and (g) all other obligations that
      would be included as liabilities on a balance sheet prepared in accordance
      with
      GAAP.

     

    “Intercreditor
      Agreement”
means
      that certain Intercreditor Agreement of approximately even date herewith by
      and
      among Collateral Agent, Lender and Zions, as the same may be amended, modified,
      supplemented or restated from time to time.

     

    “Interest
      Period”
means
      each period commencing on the first day of a calendar month and ending on the
      first day of the next succeeding calendar month; provided,
      however,
      that
      (i) the first Interest Period shall commence on the Closing Date; and (ii)
      any
      Interest Period that would otherwise extend past the Maturity Date shall end
      on
      the Maturity Date.

     

    “Interest
      Rate”
means
      a
      variable rate equal to the LIBO Rate in effect from time to time plus One and
      One-Tenth Percent (1.10%) per annum.

     

    “Lender”
means
      JPMORGAN
      CHASE BANK, N.A.,
      a
      national banking association whose address is as set forth in the introductory
      paragraph of this Agreement, its successors and assigns.

     

    “Letter
      of Credit”
means
      a
      written agreement by Lender to honor drafts or other demands for payment in
      compliance with the conditions specified in a letter of credit extended by
      Lender pursuant to this Agreement, on such form(s) of letter of credit as
      customarily issued by Lender and on such terms as Lender shall require in its
      reasonable discretion.

     

    “Letter
      of Credit Application and Agreement”
means
      Lender’s then-current form of Letter of Credit Application and Agreement or such
      other application form as Lender shall then require.

     

    “Letter
      of Credit Limit”
means
      the aggregate issued and committed amount of THREE MILLION AND NO/100 DOLLARS
      ($3,000,000.00).

     

    “Letter
      of Credit Interest Rate”
means
      the per annum interest rate set forth in the Letter of Credit Application and
      Agreement executed and delivered by Borrower in connection with any Letter
      of
      Credit.

     

    “LIBO
      Rate”
means,
      with respect to any Interest Period, the rate appearing on Page 3750 of the
      Dow
      Jones Market Service (or on any successor or substitute page of such Service,
      or
      any successor to or substitute for such Service, providing rate quotations
      comparable to those currently provided on such page of such Service, as
      determined by Lender from time to time for purposes of providing quotations
      of
      interest rates applicable to dollar deposits in the London interbank market)
      at
      approximately 11:00 a.m., London time, two (2) Business Days prior to the
      commencement of such Interest Period, as the rate for dollar deposits with
      a
      maturity comparable to such Interest Period. In the event that such rate is
      not
      available at such time for any reason, then the “LIBO
      Rate”
with
      respect to such Interest Period shall be the rate at which dollar deposits
      of
      $1,000,000 and for a maturity comparable to such Interest Period are offered
      by
      the principal London office of Lender in immediately available funds in the
      London interbank market at approximately 11:00 a.m., London time, two (2)
      Business Days prior to the commencement of such Interest Period.

     

    “Lien
      or Encumbrance”
and
      “Liens
      and Encumbrances”
means
      any assignment as security, conditional sale for security purposes, grant in
      trust, lien, mortgage, pledge, security interest, title retention arrangement,
      other encumbrance, or other interest or right securing the payment of money
      or
      the performance of any other liability or obligation, whether voluntarily or
      involuntarily created and whether arising by agreement, document, or instrument,
      under any law, ordinance, regulation, or rule (federal, state, or local), or
      otherwise.

     

    “Loan”
means
      the revolving line of credit loan from Lender to Borrower described in this
      Agreement.

     

    “Loan
      Amount”
means
      the amount of up to EIGHTEEN MILLION AND NO/100 DOLLARS ($18,000,000.00), plus
      any sum in addition thereto advanced by Lender in its sole and absolute
      discretion in accordance with the Loan Documents, to be disbursed pursuant
      to
      the terms and conditions of this Agreement.

     

    “Loan
      Documents”
means
      the documents described in Section
      4.1(i),
      any
      International Swap and Derivatives Association Master Agreement (and any
      confirmation related thereto and any other Swap Agreement), and any other
      guaranties, agreements, documents, or instruments now or hereafter evidencing,
      guarantying or securing the Obligations of Borrower hereunder, as this
      Agreement, the other documents described in Section
      4.1,
      and
      such other agreements, documents, and instruments may be amended, modified,
      extended, renewed, or supplemented from time to time.

     

    “Loan
      Party”
means
      Borrower, Guarantor and each other Person that from time to time is or becomes
      obligated to Lender or Collateral Agent under any Loan Document or grants any
      Lien or Encumbrance to Lender or Collateral Agent with respect to any
      Collateral.

     

    “Material
      Adverse Change”
means
      any change in the assets, liabilities, financial condition, or results of
      operations of Borrower or Borrower and Guarantor on an aggregate basis, or
      any
      other event or condition with respect to Borrower or Borrower and Guarantor
      together, that materially and adversely affects any of the following: (i) the
      likelihood of performance by Borrower or Borrower and Guarantor together of
      any
      Obligations or the ability of Borrower or Borrower and Guarantor together to
      perform such Obligations, (ii) the legality, validity or binding nature of
      any of the Obligations of Borrower or Guarantor, (iii) any Lien or Encumbrance
      securing any of such Obligations, or (iv) the priority of any Lien or
      Encumbrance securing any of such Obligations.

     

    “Maturity
      Date”
means
      the date which is exactly thirty-six (36) months from the date of the
      Note.

     

    “Multiemployer
      Plan”
means
      a
“multiemployer plan” as defined in Section 4001(a)(3) of ERISA which is
      maintained for employees of Borrower or Guarantor.

     

    “Note”
means
      the Secured Promissory Note of approximately even date herewith executed by
      Borrower and payable to Lender, as such note may be amended, modified, extended,
      renewed, supplemented or restated from time to time.

     

    “Obligations”
means,
      as the context requires, the duties and obligations of Borrower and/or Guarantor
      under the Loan Documents from time to time, including without limitation,
any
      and
      all obligations, contingent or otherwise, whether now existing or hereafter
      arising, of Borrower to Lender arising under or in connection with Swap
      Agreements.

     

    “Occupational
      Safety and Health Law”
means
      the Occupational Safety and Health Act of 1970, as amended, and any other
      federal, state or local statute, law, ordinance, code, rule, regulation, order
      or decree regulating, relating to or imposing liability or standards of conduct
      concerning employee health and/or safety.

     

    “Other
      Loans”
      means
      any loan, financing arrangement or extension of credit to Borrower or its
      Subsidiaries, including, without limitation, Guarantor, from Lender, any
      Affiliate of Lender, J.P. Morgan Chase & Co. or any of its Affiliates, or
      Zions or any of its Affiliates.

     

    “Payment
      Date”
means
      the first (1st)
      day of
      each calendar month after the Closing Date.

     

    “PBGC”
means
      the Pension Benefit Guaranty Corporation and any entity succeeding to any or
      all
      of its functions under ERISA.

     

    “Permitted
      Exceptions”
means
      the following: (a) the sale, transfer, or other disposition of any Collateral
      that is (i) consumed or worn out in ordinary usage and that is promptly replaced
      with similar items of equal or greater value or (ii) sold in the ordinary course
      of business; (b) the Loan Documents; (c) purchase money liens on items of the
      Collateral; (d) Liens or Encumbrances granted to Zions or Collateral Agent
      pursuant to the Zions Loan Documents in respect of which Lender or Collateral
      Agent shares or is otherwise granted a first priority security interest with
      Zions on a pari
      passu
      basis
      pursuant to and as set forth in the Intercreditor Agreement; (e) Liens and
      Encumbrances against Borrower or Guarantor set forth on Schedule
      5.6
      in
      effect on the Closing Date; (f) covenants, restrictions, rights,
      rights-of-way, easements and minor irregularities and encumbrances in title
      which do not materially interfere with the business or operations of Borrower
      or
      Guarantor as presently conducted; (g) Liens and Encumbrances arising by statute
      in connection with worker’s compensation and unemployment insurance (other than
      Liens and Encumbrances arising under ERISA), good faith cash deposits in
      connection with tenders, contracts or leases to which Borrower or Guarantor
      is a
      party or other cash deposits required to be made in the ordinary course of
      business (provided in each case that the obligation is not for borrowed money
      and that the obligation secured is not overdue or, if overdue, is being
      contested in good faith); (h) mechanics’, workmen’s, materialmen’s,
      landlords’, carriers’ or other similar Liens and Encumbrances arising in the
      ordinary course of Borrower’s or Guarantor’s business with respect to
      obligations which are not due or which are being contested in good faith; (i)
      the pledge of assets for the purpose of securing an appeal, stay or discharge
      in
      the course of any legal proceeding, provided that the aggregate amount of
      liabilities of Borrower and Guarantor secured by a pledge of Collateral,
      including interest and penalties thereon, if any, shall not be in excess of
      $2,000,000 at any one time outstanding; and (j) any interest or title of a
      lessor under any operating lease to Borrower or Guarantor.

     

    “Person”
means
      any natural person, any unincorporated association, any corporation, any
      partnership, any joint venture, any limited liability company, any trust, any
      other legal entity, or any Governmental Authority.

     

    “Pledged
      Securities”
means
      all of the shares of the common stock of Guarantor (other than Services and
      Marketing) owned and pledged by Borrower, together with all dividends therefrom
      (whether in cash or in equity securities), all stock splits or reissuances
      thereof, all distributions thereon or in respect thereof, all rights with
      respect thereto, including voting and appraisement rights, all investments
      thereof, interest thereon and proceeds thereof, all securities, cash or other
      assets in replacement thereof.

     

    “Quarterly
      Payment Date”
means
      the last day of each of March, June, September and December of each calendar
      year until the Maturity Date, unless any such day is not a Business Day, in
      which case the Quarterly Payment Date shall be the next succeeding Business
      Day.

     

    “Reimbursement
      Obligations” shall
      have the meaning given in Section
      3.2(a).

     

    “Reportable
      Event”
has
      the
      meaning given to such term in ERISA, but shall not include any event for which
      the thirty (30) day reporting requirement has been waived by the
      PBGC.

     

    “Request
      for Advance”
means
      a
      completed, written Request for Advance and Pledge in form and substance
      satisfactory to Lender, which shall be in substantially the form attached hereto
      as Exhibit
      B
      from
      Borrower to Lender requesting an Advance from Lender, together with such other
      documents and information as Lender may require from time to time in accordance
      herewith.

     

    “Requirements
      of Law” means
      (a)
      the organizational documents of an entity and (b) any law, regulation,
      ordinance, code, decree, treaty, ruling or determination of an arbitrator,
      court
      or other Governmental Authority, or any Executive Order issued by the President
      of the United States, in each case applicable to or binding upon such Person
      or
      to which such Person, any of its property or the conduct of its business is
      subject.

     

    “Security
      Agreement”
means
      that certain Security Agreement of even date herewith by and between Borrower
      and Guarantor, as debtor, and Collateral Agent, as secured party, with respect
      to all of the assets of Borrower and Guarantor.

     

    “Stock
      Pledge Agreement”
means
      that certain Pledge and Security Agreement of even date herewith by and between
      Borrower, as pledgor, and Collateral Agent, pledging all of the shares of each
      Guarantor other than Services and Marketing.

     

    “Subsidiary”
means,
      with respect to any Person (the “parent”)
      at any
      date, any corporation, limited liability company, partnership, association
      or
      other entity (a) of which securities or other ownership interests representing
      more than 50% of the equity or more than 50% of the ordinary voting power or,
      in
      the case of a partnership, more than 50% of the general partnership interests
      are, as of such date, owned, controlled or held, or (b) that is, as of such
      date, otherwise controlled, directly or indirectly, by the parent or one or
      more
      subsidiaries of the parent. As used in this definition, “control”
means
      the possession, directly or indirectly, of the power to direct or cause the
      direction of the management or policies of a Person, whether through the ability
      to exercise voting power, by contract or otherwise.

     

    “Swap
      Agreement”
      means
      any
      agreement between Borrower and Lender with respect to any swap, forward, future
      or derivative transaction or option or similar agreement involving, or settled
      by reference to, one or more rates, currencies, commodities, equity or debt
      instruments or securities, or economic, financial or pricing indices or measures
      of economic, financial or pricing risk or value or any similar transaction
      or
      any combination of these transactions.

     

    “Transfer”
means
      (a) the granting of any Lien or Encumbrance on the Collateral or any part
      thereof to any Person, except the security interests in favor of Lender or
      Collateral Agent, the Permitted Exceptions and other matters which have been
      approved in writing by Lender; (b) any sale, transfer, conveyance, lease or
      vesting of the Collateral or any part thereof or interest therein to or in
      any
      Person, whether voluntary, involuntary, by operation of law, or otherwise,
      except the Permitted Exceptions, which would result in a Material Adverse Change
      (without taking into consideration subsections (iii) and (iv) of the definition
      of Material Adverse Change); (c) any Change of Control; or (d) the execution
      of
      any agreements to do any of the foregoing, except the Permitted
      Exceptions.

     

    “Unused
      Commitment Fee”
means,
      with respect to each calendar quarter (or portion thereof) during the term
      of
      the Loan, an amount equal to (i) the Loan Amount minus
      (ii) the
      Average Quarterly Outstanding Balance for such calendar quarter (or portion
      thereof) with respect to which the Unused Commitment is being computed, with
      the
      resulting number being multiplied
      by
      ONE
      QUARTER OF ONE PERCENT (0.25%) per annum (i.e., 0.0625% per quarter). If the
      Unused Commitment Fee is being computed for less than a full calendar quarter,
      the percentage used in the preceding sentence will be computed on a daily basis
      for the number of days for which the fee is being computed.

     

    “Zions”
means
      ZIONS
      FIRST NATIONAL BANK,
      a
      national banking association.

     

    “Zions
      Account”
means
      an account established by Borrower with Zions into which Lender and Zions shall
      advance proceeds of the Loan and the Zions Loan, respectively.

     

    “Zions
      Loan”
means
      that certain revolving line of credit in the maximum principal amount of up
      to
      SEVEN MILLION AND NO/100 DOLLARS ($7,000,000.00).

     

    “Zions
      Loan Documents”
means
      any agreements, documents, instruments or guaranties, now or hereafter
      governing, evidencing, guarantying or securing the obligations of Borrower
      with
      respect to the Zions Loan, as such agreements, documents, instruments and
      guaranties may be amended, modified, extended, renewed, or supplemented from
      time to time.

     

    1.2  Interpretation.
      Unless
      the context of this Agreement otherwise clearly requires, the following rules
      of
      construction shall apply to this Agreement and each of the other Loan
      Documents:

     

    (a)  Number;
      Inclusion.
      References to the plural include the singular, the plural, the part and the
      whole; “or” has the inclusive meaning represented by the phrase “and/or”; and
“including” has the meaning represented by the phrase “including without
      limitation”.

     

    (b)  Documents
      Taken as a Whole.
      The
      words “hereof,” “herein,” “hereunder,” “hereto” and similar terms in this
      Agreement or any other Loan Document refer to this Agreement or such other
      Loan
      Document as a whole and not to any particular provision of this Agreement or
      such other Loan Document.

     

    (c)  Headings.
      The
      section and other headings contained in this Agreement or the other Loan
      Documents and the Table of Contents (if any) preceding this Agreement or the
      other Loan Documents are for reference purposes only and shall not control
      or
      affect the construction of this Agreement or the other Loan Documents or the
      interpretation thereof in any respect.

     

    (d)  Implied
      References to This Agreement.
      Article, section, subsection, clause, schedule and exhibit references are to
      this Agreement unless otherwise specified.

     

    (e)  Persons.
      Reference to any Person includes such Person’s successors and assigns but, if
      applicable, only if such successors and assigns are permitted by this Agreement
      or the other Loan Documents, as the case may be.

     

    (f)  Modifications
      to Documents.
      Reference to any agreement (including this Agreement and any other Loan Document
      together with the schedules and exhibits hereto or thereto), document or
      instrument means such agreement, document or instrument as amended, modified,
      replaced, substituted for, superseded or restated.

     

    1.3  Accounting
      Terms.
      For
      purposes of this Agreement, all accounting terms not otherwise defined herein
      or
      in the Recitals shall have the meanings assigned to them in conformity with
      generally accepted accounting practices and principles (“GAAP”),
      consistently applied. In the event that GAAP changes during the term of this
      Agreement such that the covenants contained in Section
      6.8
      would
      then be calculated in a different manner or with different components, (a)
      Borrower and Lender agree to amend this Agreement in such respects as are
      necessary to conform those covenants as criteria for evaluating the Consolidated
      Entities’ financial condition to substantially the same criteria as were
      effective prior to such change in GAAP and (b) the Consolidated
      Entities shall be deemed to be in compliance with the covenants contained
      in Section
      6.8
      following any such change in GAAP if and to the extent that the Consolidated
      Entities would have been (and would continue to be) in compliance therewith
      under GAAP as in effect immediately prior to such change.

     

    1.4  Actions
      by Lender.
      Unless
      otherwise expressly provided in this Agreement, all determinations, consents,
      approvals, disapprovals, calculations, requirements, requests, acts, actions,
      elections, selections, opinions, judgments, options, exercise of rights,
      remedies or indemnities, satisfaction of conditions or other decisions of or
      to
      be made by Lender under this Agreement or any of the other Loan Documents shall
      be made in the reasonable discretion of Lender. Any reference to Lender’s “sole
      and absolute discretion” or similar phrases has the meaning represented by the
      phrase “sole and absolute discretion, acting in good faith”.

     

    1.5  Knowledge
      of Borrower.
      As used
      herein and in any other Loan Document, the phrase “to the knowledge of
      Borrower,” “to the knowledge of Guarantor” or such similar phrases shall mean to
      the actual, conscious knowledge of Borrower’s Chief Executive Officer, Chief
      Financial Officer or Treasurer.

     

    ARTICLE
      2

     

    THE
      LOAN

     

    2.1  Agreement
      to Lend and Borrow.
      

     

    (a)  Agreement
      to Lend and Borrow.
      Subject
      to the terms and conditions of this Agreement and the other Loan Documents,
      Lender agrees to lend to Borrower, and Borrower agrees to borrow from Lender
      from time to time prior to the Maturity Date, Advances of the proceeds of the
      Loan up to the Loan Amount. Lender’s commitment to make Advances shall be
      decreased at the same time and in the same amount as the aggregate stated amount
      of any outstanding Letters of Credit.

     

    (b)  Revolving
      Nature of Loan.
      Prior
      to the Maturity Date, the Loan Amount may be drawn, repaid, and drawn again,
      on
      a revolving basis, in unlimited repetition so long as (i) the aggregate of
      all
      outstanding Advances does not exceed, at any time, the Loan Amount, and (ii)
      no
      Event of Default has occurred and is continuing. Although the outstanding
      principal balance of the Note may be zero from time to time, the Loan Documents
      will remain in full force and effect until the Maturity Date or all obligations
      of Borrower or Guarantor relating to the Loan are indefeasibly paid and
      performed in full, whichever is later. Borrower shall have the right to
      terminate the Loan upon Borrower’s specific written direction and attendant
      payment in full to Lender of all Obligations with respect to the Loan,
      including, without limitation, the Early Termination Fee. Upon the occurrence
      and during the continuance of any Event of Default, Lender may suspend or
      terminate its commitment to make Advances of the proceeds of the Loan without
      notice to Borrower or further act on the part of Lender.

     

    (c)  Use
      of
      Proceeds.
      The
      proceeds of the Loan may be used by Borrower for its general working capital
      purposes or other Borrower purposes and to repurchase shares of Borrower’s
      preferred and common stock.

     

    2.2  Procedures
      for Advances.

     

    (a)  Requests
      for Advances.
      Each
      request for an Advance shall be in writing and in the form of a Request for
      Advance. Lender, at its option, may set a cutoff time, after which all requests
      for Advances will be treated as having been requested on the next succeeding
      Business Day. In addition to complying with the other requirements of this
      Agreement, each Request for Advance shall specify the date (which shall be
      a
      Business Day) and the amount of the requested Advance.

     

    (b)  Timing
      of Disbursement of Advances.
      Provided the conditions for the making of Advances contained herein are
      satisfied, Lender shall disburse each Advance no later than the first Business
      Day following the date of the receipt by Lender of a valid Request for Advance.
      Upon acceptance of a Request for Advance made hereunder, Lender will make the
      amount of each Advance available to Borrower in immediately available funds
      by
      initiating a wire transfer to the Zions Account designated by Borrower in the
      Request for Advance.

     

    (c)  Authorized
      Persons.
      The
      persons initially authorized to request Advances are all Authorized
      Representatives of Borrower. At Lender’s request, Borrower shall provide Lender
      with documentation satisfactory to Lender indicating the names of those
      employees of Borrower authorized by Borrower to sign a Request for Advance
      and
      other documents, and Lender shall be entitled to rely upon such documentation
      until notified in writing by Borrower of any change(s) in the names of the
      employees so authorized.

     

    2.3  Conditions
      Precedent to Advances.
      The
      obligation of Lender to make Advances is subject to the fulfillment, to the
      satisfaction of Lender in its sole and absolute discretion, of each of the
      following conditions; provided,
      however,
      that
      Lender, in its sole and absolute discretion, may waive any of the following
      conditions:

     

    (a)  Lender
      shall have received a Request for Advance pursuant to Section
      2.2;

     

    (b)  No
      Event
      of Default shall exist and be continuing or shall result from such
      Advance;

     

    (c)  The
      amount of the requested Advance, together with the amount of all prior Advances
      then outstanding and the aggregate stated amount of all Letters of Credit then
      outstanding, shall not exceed the Loan Amount;

     

    (d)  The
      representations and warranties made by Borrower contained herein and in the
      other Loan Documents shall be true and correct in all material respects on
      and
      as of the date of such Advance with the same effect as if made on and as of
      the
      date of such Advance (except to the extent such representations and warranties
      expressly refer to an earlier date, in which case they shall be true and correct
      in all material respects as of such earlier date); and

     

    (e)  Borrower
      shall have provided such additional information and documents as Lender may
      reasonably request.

     

    Each
      Request for Advance submitted by Borrower hereunder shall constitute a
      representation and warranty by Borrower hereunder, as of the date of each such
      request and as of the date of each Advance, that the conditions in this
Section
      2.3
      are
      satisfied.

     

    2.4  Evidence
      of Indebtedness.
      The
      Loan shall be evidenced by the Note. Disbursements of the Loan shall be charged
      and funded under the Note. If there is any inconsistency between the Note and
      this Agreement, the provisions of this Agreement shall prevail.

     

    2.5  Interest.

     

    (a)  Rate.
      The
      advanced and unpaid balance of the Loan shall bear interest at the Interest
      Rate
      in effect from time to time. Each change in the Interest Rate will become
      effective for each Interest Period, without notice, on the date set forth in
      the
      definition of the term LIBO Rate set forth herein.

     

    (b)  Default
      Interest Rate.
      Upon the
      occurrence and during the continuance of an Event of Default hereunder or under
      any of the Loan Documents, at the option of Lender, the outstanding and unpaid
      principal balance of the Loan shall bear interest, payable on demand, at a
      rate
      per annum equal to the Default Interest Rate. Lender may also, at its option,
      from time to time, add any unpaid accrued interest to principal and such sum
      will bear interest therefrom until paid at the rate provided in this Agreement
      (including at the Default Interest Rate, as and when applicable). The
      application of the Default Interest Rate shall not be interpreted or deemed
      to
      extend any cure period set forth in this Agreement, or otherwise to limit any
      of
      Lender’s remedies under this Agreement or any of the other Loan
      Documents.

     

    (c)  Effective
      Rate.
      Borrower agrees to pay an effective rate of interest that is the sum of (i)
      the
      interest rate provided in this Agreement and (ii) any additional rate of
      interest resulting from any other charges or fees paid or to be paid in
      connection herewith that are determined to be interest or in the nature of
      interest. Any other provision of this Agreement or any of the other Loan
      Documents to the contrary notwithstanding, Lender and Borrower agree that none
      of the terms and provisions contained herein or in any of the Loan Documents
      shall be construed to create a contract for the use, forbearance or detention
      of
      money requiring payment of interest at a rate in excess of the maximum interest
      rate permitted to be charged by the Requirements of Laws of the State of Utah.
      In such event, if any holder of the Note shall collect monies which are deemed
      to constitute interest which would otherwise increase the effective interest
      rate on the Note to a rate in excess of the maximum rate permitted to be charged
      by applicable Requirements of Law, all such sums deemed to constitute interest
      in excess of such maximum rate shall, at the option of the holder, be credited
      to the payment of other amounts payable under the Loan Documents or returned
      to
      Borrower.

     

    (d)  Computation
      of Interest.
      Interest shall be computed by applying the ratio of the annual Interest Rate
      over a year of three hundred sixty (360) days, multiplied by the outstanding
      principal balance, multiplied by the actual number of days the principal balance
      is outstanding. 

     

    2.6  Payment
      of Principal and Interest; Application of Payments.

     

    (a)  Payments
      of Interest.
      Commencing on the Payment Date occurring in May, 2007, and continuing on each
      monthly Payment Date thereafter, installments of all accrued and outstanding
      interest shall be due and payable by Borrower to Lender.

     

    (b)  Payment
      at Maturity.
      The
      outstanding principal balance of the Loan, together with all unpaid accrued
      interest thereon, and all other amounts payable by Borrower with respect to
      the
      Note or pursuant to the terms of any other Loan Documents, shall be due and
      payable on the Maturity Date in lawful money of the United States of
      America.

     

    (c)  Early
      Termination.
      Borrower shall have the right to terminate the Loan at any time prior to the
      Maturity Date by (i) giving written notice of its intent to do so to Lender;
      (ii) paying the outstanding principal balance of the Loan, together with all
      unpaid accrued interest thereon, and all other amounts payable by Borrower
      with
      respect to the Note or pursuant to the terms of any other Loan Documents; and
      (iii) paying the Early Termination Fee.

     

    (d)  Application
      of Payments.
      Unless
      otherwise agreed to in writing or otherwise required by applicable Requirements
      of Law, payments will be applied first to accrued, unpaid interest, then to
      any
      unpaid collection costs, late charges and other charges, and any remaining
      amount to principal; provided,
      however,
      upon
      the occurrence and during the continuance of an Event of Default, Lender
      reserves the right to apply payments among principal, interest, late charges,
      collection costs and other charges at its sole and absolute
      discretion.

     

    (e)  No
      Deductions.
      All
      payments of principal or interest hereunder or under the Note shall be made
      (i)
      without deduction of any present and future taxes, levies, imposts, deductions,
      charges or withholdings, which amounts shall be paid by Borrower, and (ii)
      without any other set off. Borrower will pay the amounts necessary such that
      the
      gross amount of the principal and interest received by Lender is not less than
      that required hereby and by the Note.

     

    (f)  Late
      Charges.
      If any
      payment of interest or principal required pursuant to any provision of this
      Agreement is not received by Lender within ten (10) days after its due date,
      then, in addition to the other rights and remedies of Lender pursuant to this
      Agreement and the other Loan Documents, Borrower will be charged five percent
      (5.0%) of the regularly scheduled payment or Twenty-Five and No/100 Dollars
      ($25.00), whichever is greater, up to the maximum amount of One Thousand Five
      Hundred and No/100 Dollars ($1,500.00) per late charge. Such late charge will
      be
      immediately due and payable and is in addition to any other costs, fees, and
      expenses that Borrower may owe as a result of such late payment.

     

    2.7  Manner
      and Time of Payment.
      All
      amounts payable by Borrower on or with respect to the Loan, or pursuant to
      the
      terms of any other Loan Documents, shall be paid without condition or
      reservation of right, in lawful money of the United States of America at 80
      West
      Broadway, Suite 200, Salt Lake City, Utah 84101, or at such other place as
      Lender may from time to time designate in writing, not later than 1:00 p.m.
      (Utah time), in same day funds, on the date due, and to such account of Lender
      as Lender may designate; funds received by Lender after that time shall be
      deemed to have been paid on the next succeeding Business Day. If any payment
      would otherwise be due on a day which is not a Business Day, the payment instead
      shall be due on the next succeeding Business Day and such extension of time
      shall be included in computing the interest due in respect of said
      payment.

     

    2.8  Guaranty.
      Payment
      of the Note and performance of Borrower’s obligations hereunder shall be
      unconditionally guaranteed by Guarantor pursuant to the Guaranty and secured
      by,
      among other things, the Security Agreement, which shall be a first priority
      security interest in and to all of the personal property assets of Borrower
      and
      Guarantor, as more fully described in the Security Agreement, subject to
      Permitted Exceptions.

     

    2.9  Security.
      Payment
      of the Note shall be secured by and/or guaranteed by, among other things, the
      following:

     

    (a)  the
      Guaranty;

     

    (b)  the
      Security Agreement, which shall secure the Obligations and the Guaranty and
      be a
      first priority security interest in and to all of the personal property assets
      of Borrower and Guarantor, as more fully described in the Security Agreement,
      subject to Permitted Exceptions; 

     

    (c)  the
      Stock
      Pledge Agreement, which shall secure the Obligations and be a first priority
      security interest in and to the Pledged Securities, subject to Permitted
      Exceptions; and

     

    (d)  the
      Account Control Agreement, which shall secure the Obligations and the Guaranty
      and perfect the security interest given to Collateral Agent in and to all of
      Borrower’s and Guarantor’s deposit accounts maintained with Zions.

     

    2.10  Fees
      and Expenses.

     

    (a)  Unused
      Commitment Fee.
      During
      the term hereof, Borrower shall pay to Lender the applicable Unused Commitment
      Fee on each Quarterly Payment Date. The Unused Commitment Fee shall be
      calculated on a quarterly basis and payable quarterly in arrears for the
      calendar quarter or portion thereof throughout the term of the Loan and on
      the
      Maturity Date.

     

    (b)  Early
      Termination Fee.
      As set
      forth in Section 2.6(c) above, Borrower shall pay to Lender the Early
      Termination Fee in the event Borrower elects to terminate the Loan prior to
      the
      Maturity Date.

     

    (c)  Additional
      Provisions Regarding Fees.
      The
      fees described in this Section
      2.10
      shall be
      payable in addition to, and not in lieu of, interest, expense reimbursements,
      indemnification and other Obligations. Borrower acknowledges that all fees
      and
      other amounts described in this Section 2.10
      have
      been fully earned by Lender at the time of payment and are non-refundable to
      Borrower in the event this Agreement is terminated or expires as provided
      herein. All fees specified or referred to in this Agreement shall bear interest,
      if not paid when due, at the Default Interest Rate. Borrower hereby authorizes
      Lender, at its sole option and direction, without prior notice to Borrower,
      to
      advance any of the fees provided for in this Section
      2.10 if
      not
      paid within ten (10) days of when due.

     

    ARTICLE
      3  

     

    LETTERS
      OF CREDIT

     

    3.1  Issuance
      of Letters of Credit.

     

    (a)  Issuance
      of Letters of Credit.
      Subject
      to the terms and conditions of this Agreement and the policies, procedures,
      and
      requirements of Lender for issuance of Letters of Credit in effect from time
      to
      time, Lender agrees to issue, from time to time on or before the Maturity Date,
      Letters of Credit upon request by and for the account of Borrower. Letters
      of
      Credit
      (i)
      will
      expire on the earlier of the
      date
      stated therein or thirty (30) days prior to the Maturity Date;
      and
      (ii)
      will not
      exceed, in the aggregate stated amount outstanding at any time, the lesser
      of
      (A) Letter of Credit Limit or (B) the difference between the Loan Amount and
      the
      then outstanding principal balance of the Loan. Each reference in this Agreement
      to “issue” or “issuance” or other forms of such words in relation to Letters of
      Credit will also include any extension or renewal of a Letter of Credit.
      Requests for the issuance of a Letter of Credit will be processed by Lender
      in
      accordance with its policies, procedures, and requirements then in effect.
      Upon
      the occurrence and during the continuance of an Event of Default, Lender may
      suspend or terminate its agreement to issue Letters of Credit
      hereunder.

     

    (b)  Issuance
      Procedures.
      Lender’s obligation to issue Letters of Credit is expressly conditioned upon the
      receipt and approval by Lender, in its sole and absolute discretion, of each
      of
      the following items and the satisfaction by Borrower of the following
      conditions:

     

    (i)  Borrower
      shall deliver to Lender the Letter of Credit Application and Agreement in form
      and content satisfactory to Lender, duly executed (and acknowledged where
      necessary) by the appropriate parties thereto.

     

    (ii)  The
      stated face amount of the requested Letter of Credit, when aggregated with
      the
      stated face amount of all Letters of Credit then issued and outstanding, will
      not exceed the Letter of Credit Limit.

     

    (iii)  The
      stated face amount of the requested Letter of Credit, when aggregated with
      (A)
      the stated face amount of all Letters of Credit then issued and outstanding
      and
      (B) the then outstanding principal balance of the Loan, will not exceed the
      Loan Amount.

     

    (iv)  The
      representations and warranties of Borrower contained in all of the Loan
      Documents shall be true and correct in all material respects on and as of the
      date of each issuance as though made on and as of that date (except to the
      extent such representations and warranties expressly refer to an earlier date,
      in which case they shall be true and correct in all material respects as of
      such
      earlier date) and no Event of Default shall have occurred and be continuing
      as
      of the date of issuance of the Letter of Credit or request
      therefor.

     

    3.2  Reimbursement
      Obligations.
      

     

    (a)  Borrower
      hereby agrees to pay to Lender the following (collectively, the “Reimbursement
      Obligations”):

     

    (i)  On
      the
      date of each drawing under a Letter of Credit, a sum equal to (A) the amount
      of
      such drawing under the Letter of Credit to the extent actually paid by Lender
      plus (B) any and all transaction charges or other charges and expenses which
      Lender may pay or incur relative to the drawing or Letter of
      Credit;

     

    (ii)  Upon
      the
      date incurred, any and all expenses incurred by Lender in enforcing any rights
      under this Agreement, any of the other Loan Documents, or under any agreement,
      document or instrument securing Lender’s rights under this Agreement;
      and

     

    (iii)  All
      payments or drawings due and owing to Lender which are related to any Letter
      of
      Credit shall bear interest payable from the date such amounts become payable
      (in
      the case of an amount payable on demand, from the date Lender is first entitled
      to demand payment, regardless as to whether a demand for payment is actually
      made) until payment in full, at an annual rate at all times equal to the Letter
      of Credit Interest Rate, but in no event above the maximum rate permitted by
      law. Interest accruing pursuant to this Section 3.2(a)(iii)
      shall be
      due and payable on the day on which amounts due hereunder are paid or earlier
      upon demand of Lender. All interest becoming due and payable under this
      Agreement shall be computed on the basis of the actual number of days elapsed
      and a year of 360 days.

     

    (b)  The
      Reimbursement Obligations shall be paid as herein provided without notice from
      or demand of Lender to Borrower. The Reimbursement Obligations and the other
      obligations from Borrower to Lender shall at all times be full recourse
      obligations of Borrower.

     

    (c)  Lender,
      in its sole and absolute discretion, is authorized, but not obligated, to make
      Advances under the Note without notice to Borrower or any Guarantor to satisfy
      any amounts owing to Lender by Borrower as a result of any drawing.

     

    3.3  Obligations
      Absolute.
      The
      Reimbursement Obligations of Borrower shall be absolute, unconditional and
      irrevocable, and shall be paid strictly in accordance with the terms of this
      Agreement and the Letter of Credit Application and Agreement, under all
      circumstances whatsoever, including, without limitation, the following
      circumstances:

     

    (a)  any
      lack
      of validity or enforceability of a Letter of Credit or any of the Loan
      Documents;

     

    (b)  any
      amendment or waiver of or any consent to or departure from a Letter of Credit
      or
      any of the Loan Documents;

     

    (c)  the
      existence of any claim, set-off, defense or other right which Borrower may
      have
      at any time against Lender, any holder of a Letter of Credit, or any other
      person or entity, whether in connection with this Agreement, the transactions
      contemplated herein or in any of the Loan Documents or any unrelated
      transactions; or

     

    (d)  any
      statement or any other document presented under or in connection with a Letter
      of Credit proving to be forged, fraudulent, invalid or insufficient in any
      respect or any statement therein being untrue or inaccurate in any respect
      whatsoever.

     

    3.4  Assumption
      of Risk and Liability.
      Borrower hereby assumes all risk of the acts or omissions of any holder of
      a
      Letter of Credit, and any beneficiary or transferee of a Letter of Credit with
      respect to its use of a Letter of Credit. Neither Lender nor any of its
      employees, officers, directors, agents or representatives shall be liable or
      responsible for:

     

    (a)  the
      use
      which may be made of a Letter of Credit or for any acts or omissions of Lender
      in connection therewith;

     

    (b)  the
      validity, sufficiency or genuineness of documents, or of any endorsements
      thereon, whether submitted in connection with a drawing under a Letter of
      Credit, or otherwise, even if such documents or endorsements should in fact
      prove to be in any or all respects invalid, insufficient, fraudulent, forged,
      inaccurate or untrue;

     

    (c)  payment
      by Lender against presentation of documents which do not strictly comply with
      the terms of a Letter of Credit, including failure of any such documents to
      bear
      reference or adequate reference to a Letter of Credit or the failure of any
      holder or beneficiary of a Letter of Credit to comply fully with conditions
      required in order to obtain honor of a drawing under a Letter of
      Credit;

     

    (d)  the
      validity or sufficiency of any instrument transferring or assigning or
      purporting to transfer or assign a Letter of Credit or the rights or benefits
      thereunder or proceeds thereof, in whole or in part, which may prove to be
      invalid or ineffective for any reason;

     

    (e)  omissions,
      interruptions, losses or delays in transmission or delivery of any messages
      by
      mail, cable, telegraph, telex, telephone, facsimile transmission or
      otherwise;

     

    (f)  any
      loss
      or delay in the transmission of any document or draft required in order to
      make
      a drawing under a Letter of Credit; or

     

    (g)  any
      other
      circumstances whatsoever in making or failing to make payment under a Letter
      of
      Credit.

     

    ARTICLE
      4  

     

    LOAN
      CLOSING; INITIAL ADVANCE

     

    4.1  Conditions
      Precedent.
      Lender’s obligation to close the Loan and to disburse the initial Advance and to
      perform the remainder of its obligations under this Agreement are expressly
      conditioned upon the receipt and approval by Lender, in its sole and absolute
      discretion, of each of the following items and the satisfaction by Borrower
      of
      the following conditions on or before the Closing Date unless otherwise waived
      by Lender in its sole and absolute discretion:

     

    (a)  Borrower’s
      payment of all fees and costs payable under this Agreement;

     

    (b)  Receipt,
      review and approval by Lender of copies of the Borrower Operating Documents
      and
      the Guarantor Operating Documents;

     

    (c)  The
      representations and warranties of Borrower and/or Guarantor in Article
      5
      and
      elsewhere in the Loan Documents shall be true and correct in all material
      respects;

     

    (d)  No
      Event
      of Default shall exist and be continuing;

     

    (e)  Receipt,
      review and approval by Lender, in its sole discretion, of such financial
      statements and tax returns for Borrower and/or Guarantor as Lender may
      require;

     

    (f)  A
      determination by Lender that the Collateral provides an adequate loan-to-value
      coverage ratio for the Loan and all Other Loans which are secured by the
      Collateral;

     

    (g)  The
      original certificates representing the Pledged Securities, together with blank
      transfer powers in form and substance acceptable to Lender shall have been
      delivered to Lender;

     

    (h)  Receipt,
      review and approval by Lender of the policies of insurance required under
Article
      6
      hereof;

     

    (i)  Borrower’s
      delivery to Lender of the following documents, in form and content satisfactory
      to Lender, duly executed (and acknowledged where necessary) by the appropriate
      parties thereto:

     

    (i)  This
      Agreement;

     

    (ii)  The
      Note;

     

    (iii)  The
      Guaranty;

     

    (iv)  The
      Security Agreement;

     

    (v)  The
      Stock
      Pledge Agreement;

     

    (vi)  The
      original certificates representing the Pledged Securities;

     

    (vii)  Blank
      stock transfer powers executed by the holders of all Pledged Securities in
      favor
      of Collateral Agent;

     

    (viii)  An
      acknowledgement and consent to the pledge of the Pledged Securities pursuant
      to
      the Stock Pledge Agreement from each issuer of the Pledged
      Securities;

     

    (ix)  The
      Account Control Agreement;

     

    (x)  The
      Financing Statements, which shall be duly filed with the Utah Department of
      Commerce, Division of Corporations and Commercial Code;

     

    (xi)  A
      closing
      certificate from Borrower and each Guarantor;

     

    (xii)  Resolutions
      of the directors, members, managers, or partners of Borrower and Guarantor,
      as
      applicable, approving the Loan Documents and the Guarantor Loan Documents;
      

     

    (xiii)  An
      opinion of legal counsel to Borrower and Guarantor;

     

    (xiv)  True
      and
      correct copies of the Zions Loan Documents;

     

    (xv)  The
      Intercreditor Agreement; and

     

    (xvi)  Such
      other documents that Lender may require in its sole and absolute
      discretion.

     

    ARTICLE
      5  

     

    REPRESENTATIONS
      AND WARRANTIES

     

    5.1  Consideration.
      As an
      inducement to Lender to execute this Agreement and to disburse the proceeds
      of
      the Loan, Borrower represents and warrants to Lender that the following
      statements set forth in this Article
      5 are
      true,
      correct and complete as of the date hereof and will be true, correct and
      complete as of the Closing Date.

     

    5.2  Organization,
      Powers, Good Standing and Subsidiaries.

     

    (a)  Organization
      and Powers.
      Each of
      Borrower and Guarantor is either a corporation, a limited liability company,
      or
      a limited partnership duly organized and validly existing under the laws of
      the
      State of Utah. Borrower and Guarantor have all requisite power and authority,
      rights and franchises to own and operate their properties, to carry on their
      businesses as now conducted and as proposed to be conducted, and to enter into
      and perform this Agreement and the other Loan Documents. The address of
      Borrower’s chief executive office and principal place of business is 2200 West
      Parkway Blvd., Salt Lake City, Utah 84119.

     

    (b)  Good
      Standing.
      Borrower and Guarantor have made all filings and each is in good standing in
      the
      State of Utah, and in each other jurisdiction in which the character of the
      property it owns or the nature of the business it transacts makes such filings
      necessary or where failure to make such filings would result in a Material
      Adverse Change.

     

    (c)  Organizational
      Identification Number.
      The
      organizational identification number of Borrower and each Guarantor, as defined
      and contemplated by the Utah Uniform Commercial Code, is as set forth in the
      Financing Statement.

     

    (d)  Subsidiaries.
      Schedule
      5.2(d)
      attached
      hereto sets forth a complete list of Borrower and each of its Subsidiaries,
      including the percentage of voting stock in each Subsidiary owned, directly
      or
      indirectly, by Borrower.

     

    5.3  Authorization
      of Loan Documents.

     

    (a)  Authorization.
      The
      execution, delivery and performance of the Loan Documents (to which Borrower
      or
      Guarantor, respectively, is a party) by (i) Borrower are within Borrower’s
      corporate powers and have been duly authorized by all necessary action by
      Borrower and its directors and shareholders; and (ii) Guarantor are within
      Guarantor’s corporate, limited liability company or partnership powers and have
      been duly authorized by all necessary action by Guarantor and its directors,
      shareholders, members, managers and partners, as applicable.

     

    (b)  No
      Conflict.
      The
      execution, delivery and performance of the Loan Documents by Borrower will
      not
      violate (i) the Borrower Operating Documents; (ii) any legal requirement
      affecting Borrower or any of its properties except where a violation of such
      requirement would not result in a Material Adverse Change; or (iii) any
      agreement to which Borrower is bound or to which it is a party, except where
      a
      violation of any such agreement would not result in a Material Adverse Change,
      and will not result in or require the creation (except as provided in or
      contemplated by this Agreement) of any Lien or Encumbrance upon any of such
      properties. The execution, delivery and performance of the Guarantor Loan
      Documents by Guarantor will not violate (1) any provision of the Guarantor
      Operating Documents; (2) any legal requirement affecting Guarantor or any of
      Guarantor’s respective properties except where a violation of such requirement
      would not result in a Material Adverse Change; or (3) any agreement to which
      Guarantor is bound or to which Guarantor is a party, except where a violation
      of
      any such agreement would not result in a Material Adverse Change, and will
      not
      result in or require the creation (except as provided in or contemplated by
      this
      Agreement) of any Lien or Encumbrance upon any of such properties.

     

    (c)  Governmental
      and Private Approvals.
      All
      governmental or regulatory orders, consents, permits, authorizations and
      approvals required for the present use and operation of the Borrower’s business
      and the Collateral have been obtained and are in full force and effect, except
      where failure to obtain such orders, consents, permits, authorizations or
      approvals would not result in a Material Adverse Change. To the knowledge of
      Borrower, no additional governmental or regulatory actions, filings or
      registrations with respect to the Borrower’s business and the Collateral, and no
      approvals, authorizations or consents of any trustee or holder of any
      Indebtedness or obligation of Borrower or Guarantor are required for the due
      execution, delivery and performance by Borrower or Guarantor of their respective
      duties and obligations under the Loan Documents or the Guarantor Loan
      Documents.

     

    (d)  Binding
      Obligations.
      This
      Agreement and the other Loan Documents have been duly executed by Borrower,
      and
      are legally valid and binding obligations of Borrower, enforceable against
      Borrower in accordance with their terms, except as enforceability may be limited
      by bankruptcy, insolvency, reorganization, moratorium or similar Requirements
      of
      Laws affecting creditors’ rights generally and by general principles of equity.
      The Guarantor Loan Documents have been duly executed by Guarantor, and are
      the
      legally valid and binding obligations of Guarantor, enforceable against
      Guarantor in accordance with their terms, except as enforceability may be
      limited by bankruptcy, insolvency, reorganization, moratorium or similar
      Requirements of Laws affecting creditors’ rights generally and by general
      principles of equity.

     

    5.4  No
      Material Defaults.
      There
      exists no material violation of or material default by Borrower and, to the
      knowledge of Borrower, no event has occurred which, upon the giving of notice
      or
      the passage of time, or both, would constitute a material default, which in
      each
      case, would result in a Material Adverse Change, with respect to the terms
      of
      (a) any instrument evidencing or securing any Indebtedness of Borrower or
      Guarantor, (b) any instrument evidencing or securing any Indebtedness secured
      by
      the Collateral, (c) any agreement affecting the Collateral, (d)
      any
      license, permit, statute, ordinance, Requirements of Law, judgment, order,
      writ,
      injunction, decree, rule, or regulation of any Governmental Authority, or any
      determination or award of any arbitrator, to which Borrower, Guarantor or the
      Collateral is a party or may be bound, or (e) any document, instrument, or
      agreement by which Borrower, or any of its properties, is bound and, with
      respect to this clause (e),
      (i)
      which
      involves any Loan Document,
      (ii)
      which
      involves the Collateral and is not adequately covered by insurance,
      (iii)
      which
      might materially and adversely affect the ability of Borrower or Guarantor
      to
      perform its respective obligations under any of the Loan Documents or any other
      material document, instrument, or agreement to which it is a party,
      or
      (iv)
      which,
      subject to the Permitted Exceptions, might adversely affect the first priority
      of the liens created by this Agreement, the Security Agreement or any of the
      other Loan Documents. 

     

    5.5  Litigation;
      Adverse Facts.
      Except
      as disclosed on Schedule
      5.5
      attached
      hereto, there is no action, suit, investigation, proceeding, or arbitration
      (whether or not purportedly on behalf of Borrower or Guarantor) at law or in
      equity or before or by any foreign or domestic court or other governmental
      entity (a “Legal
      Action”),
      pending or, to the knowledge of Borrower, threatened in writing against or
      affecting the Collateral, Borrower or Guarantor, individually or in the
      aggregate in excess of $500,000, which would result in any Material Adverse
      Change. Neither Borrower nor Guarantor is (a) in violation of any applicable
      Requirements of Law which violation would result in a Material Adverse Change,
      (b) subject to, or in default with respect to, any other legal requirement
      that
      would result in a Material Adverse Change, or (c) in default with respect to
      any
      agreement to which Borrower or Guarantor is a party or to which either is bound
      where such default would result in a Material Adverse Change. There is no Legal
      Action pending or, to the knowledge of Borrower or Guarantor, threatened in
      writing against or affecting Borrower or Guarantor questioning the validity
      or
      the enforceability of this Agreement or any of the other Loan
      Documents.

     

    5.6  Title
      to Properties; Liens.
      Each of
      Borrower and Guarantor has good, sufficient, and legal title to the Collateral
      and all other properties and assets reflected in its most recent balance sheet
      delivered to Lender, except (a) for assets disposed of in the ordinary course
      of
      business since the date of such balance sheet, (b) for Permitted Exceptions
      and
      (c) where failure to have such title would not result in a Material Adverse
      Change. Borrower and/or Guarantor, as applicable, is the sole owner of the
      Collateral, and the Collateral is free from any adverse Lien or Encumbrance,
      security interest, or encumbrance of any kind whatsoever, excepting only Liens
      or Encumbrances and security interests in favor of Lender or Collateral Agent,
      Permitted Exceptions and other matters which have been approved in writing
      by
      Lender in its sole and absolute discretion. All Liens and Encumbrances against
      Borrower or Guarantor in effect on the Closing Date (and which are included
      as
      Permitted Exceptions under clause (e) of the definition of Permitted Exceptions)
      are set forth on Schedule
      5.6
      attached
      hereto.

     

    5.7  Disclosure.
      To the
      knowledge of Borrower, there is no fact that would result in a Material Adverse
      Change which has not been disclosed in this Agreement or in other documents,
      certificates, and written statements furnished to Lender in connection
      herewith.

     

    5.8  Payment
      of Taxes.
      All tax
      returns and reports of Borrower and Guarantor which are required to be filed
      by
      Borrower or Guarantor have been timely filed, and all taxes, assessments, fees,
      and other governmental charges upon Borrower or Guarantor, and upon their
      respective properties, assets, income, and franchises which are due and payable
      have been paid when due and payable, except, in each case, where failure to
      do
      so would not result in a Material Adverse Change. Borrower knows of no proposed
      tax assessment against it that would result in a Material Adverse Change, and
      neither Borrower nor Guarantor has contracted with any government entity in
      connection with such taxes. To the knowledge of Borrower, all tax returns and
      reports of Guarantor required to be filed have been timely filed, and all taxes,
      assessments, fees, and other governmental charges upon Guarantor and upon its
      properties, assets, income, and franchises which are due and payable have been
      paid when due and payable, except, in each case, where failure to do so would
      not result in a Material Adverse Change.

     

    5.9  Securities
      Activities.
      Neither
      Borrower nor Guarantor is engaged principally, or as one of its important
      activities, in the business of extending credit for the purpose of purchasing
      or
      carrying any margin stock (as defined within Regulations G, T, and U of the
      Board of Governors of the Federal Reserve System), and not more than twenty-five
      percent (25.0%) of the value of Borrower’s and/or Guarantor’s assets consists of
      such margin stock. No part of the Loan will be used to purchase or carry any
      margin stock or to extend credit to others for that purpose or for any other
      purpose that violates the provisions of Regulations U or X of said Board of
      Governors. No portion of any Advance or of Loan proceeds shall be used directly
      or indirectly to purchase ineligible securities, as defined by applicable
      regulations of the Federal Reserve Board, underwritten by any affiliate of
      J.P.
      Morgan Chase & Co. during the underwriting period and for thirty (30) days
      thereafter.

     

    5.10  Government
      Regulations.
      Neither
      Borrower nor Guarantor is subject to regulation under the Investment Company
      Act
      of 1940, the Federal Power Act, the Public Utility Holding Company Act of 1935,
      or any other federal or state statute or regulation limiting its ability in
      incur Indebtedness for money borrowed.

     

    5.11  Rights
      to Property Agreements, Permits, and Licenses.
      Borrower and/or Guarantor is the true owner of all rights in and to all existing
      agreements, permits, and licenses relating to the Collateral, and will be the
      true owner of all rights in and to all future agreements, permits, and licenses
      relating to the Collateral, except, in each case, where failure to be such
      an
      owner would not result in a Material Adverse Change. Borrower’s and/or
      Guarantor’s interest in all such agreements, permits, and licenses is not
      subject to any present claim (other than the Permitted Exceptions, under the
      Loan Documents or as otherwise approved by Lender in its sole and absolute
      discretion), set-off, or deduction, other than in the ordinary course of
      business, which would result in a Material Adverse Change.

     

    5.12  Compliance
      with Laws.
      Borrower’s and Guarantor’s business does, and shall at all times, comply fully
      with all applicable Requirements of Law, except, in each case, where failure
      to
      comply would not result in a Material Adverse Change. The Collateral, and the
      uses to which the Collateral are and will be put, shall at all times comply
      fully with all applicable Requirements of Laws, except, in each case, where
      failure to comply would not result in a Material Adverse Change.

     

    5.13  Financial
      Condition.
      The
      financial statements and all financial data previously delivered to Lender
      in
      connection with the Loan or relating to Borrower or Guarantor are true, correct,
      and complete in all material respects. Such financial statements comply with
      the
      requirements of this Agreement and fairly present the financial position of
      the
      parties who are the subject thereof as of the date thereof. No Material Adverse
      Change has occurred and, except for this Loan and the Permitted Exceptions,
      no
      borrowings have been made by Borrower or Guarantor since the date thereof which
      are secured by, or might give rise to, a Lien or Encumbrance, security interest,
      or claim against the Collateral or the proceeds of the Loan or the Other
      Loans.

     

    5.14  Personal
      Property.
      Borrower and/or Guarantor is now, and shall continue to be, the sole owner
      of
      all personal property which constitutes a portion of the Collateral free from
      any adverse lien, security interest, or adverse claim of any kind whatsoever,
      except
      (a)
      Permitted Exceptions,
      (b)
      liens
      and security interests in favor of Lender or Collateral Agent, and
      (c)
      other
      matters which have been approved in writing by Lender in its sole and absolute
      discretion.

     

    5.15  Other
      Loan Documents.
      Each of
      the representations and warranties of Borrower or Guarantor contained in any
      of
      the other Loan Documents, the Guarantor Loan Documents or the agreements,
      guaranties, documents, or instruments now or hereafter evidencing, guarantying
      or securing the Indebtedness of Borrower or Guarantor under the Other Loans,
      as
      such agreements, guaranties, documents, and instruments may be amended,
      modified, extended, renewed, or supplemented from time to time, is true and
      correct in all material respects. All of such representations and warranties
      are
      incorporated herein for the benefit of Lender.

     

    5.16  Contracts;
      Labor Matters.
      Except
      as disclosed to Lender in writing (a) neither Borrower nor Guarantor is subject
      to any charge, corporate restriction, judgment, decree or order, which would
      result in a Material Adverse Change; (b) no labor contract to which Borrower
      or
      Guarantor is a party or is otherwise subject is scheduled to expire prior to
      the
      Maturity Date except to the extent that such expiration would not result in
      a
      Material Adverse Change; (c) neither Borrower nor Guarantor has, within the
      two-year period preceding the date of this Agreement, taken any action which
      would have constituted or resulted in a “plant closing” or “mass layoff” within
      the meaning of the Federal Worker Adjustment and Retraining Notification Act
      of
      1988 or any similar applicable federal, state or local Requirements of Law,
      and
      on the date hereof Borrower and Guarantor have no reasonable expectation that
      any such action is or will be required at any time prior to the initial Maturity
      Date; and (d) on the date of this Agreement (i) neither Borrower nor Guarantor
      is a party to any material labor dispute and (ii) there are no strikes or
      walkouts relating to any labor contracts to which Borrower or Guarantor is
      a
      party or is otherwise subject.

     

    5.17  ERISA.
      Each of
      Borrower and Guarantor is in compliance with ERISA in all material respects.
      No
      Reportable Event or Prohibited Transaction (as defined in ERISA) or termination
      of any Pension Plan has occurred and no written notice of termination has been
      filed with respect to any Pension Plan published or maintained by Borrower
      or
      Guarantor that is subject to ERISA. Neither Borrower nor Guarantor has incurred
      any material funding deficiency within the meaning of ERISA or any material
      liability to the PBGC in connection with any such plan established or maintained
      by Borrower or Guarantor. Neither Borrower nor Guarantor is a party to any
      Multiemployer Plan.

     

    5.18  Pension
      and Welfare Plans.
      Each
      Pension Plan of Borrower or Guarantor complies in all material respects with
      all
      applicable statutes and governmental rules and regulations; no Reportable Event
      has occurred and is continuing with respect to any Pension Plan; neither
      Borrower nor Guarantor nor any ERISA Affiliate has withdrawn from any
      Multiemployer Plan in a “complete withdrawal” or a “partial withdrawal” as
      defined in Sections 4203 or 4205 of ERISA, respectively; no steps have been
      instituted by Borrower or Guarantor to terminate any Pension Plan; no
      contribution failure has occurred with respect to any Pension Plan sufficient
      to
      give rise to a Lien or Encumbrance under Section 302(f) of ERISA; no condition
      exists or event or transaction has occurred in connection with any Pension
      Plan
      or Multiemployer Plan which could reasonably be expected to result in the
      incurrence by Borrower or Guarantor or any ERISA Affiliate of any material
      liability, fine or penalty; and neither Borrower nor Guarantor nor any ERISA
      Affiliate is a “contributing sponsor” as defined in Section 4001(a)(13) of ERISA
      of a “single-employer plan” as defined in Section 4001(a)(15) of ERISA which has
      two or more contributing sponsors at least two of whom are not under common
      control. Neither Borrower nor Guarantor has any contingent liability with
      respect to any Welfare Plan which covers retired or terminated employees and
      their beneficiaries.

     

    5.19  Occupational
      Safety and Health Matters.
      Except
      as disclosed to Lender in writing, Borrower and each property, operation and
      facility that Borrower may own, operate or control (a) complies in all respects
      with all applicable Occupational Safety and Health Laws, except to the extent
      the noncompliance would not result in a Material Adverse Change; (b) is not
      subject to any judicial or administrative proceeding alleging the violation
      of
      any Occupational Safety and Health Law; (c) has not received any written notice
      (i) that it may be in violation of any Occupational Safety and Health Law,
      (ii)
      threatening the commencement of any proceeding relating to allegedly unlawful,
      unsafe or unhealthy conditions, or (iii) alleging that it is or may be
      responsible for any response, cleanup, or corrective action, including but
      not
      limited to any remedial investigation/feasibility studies, under any
      Occupational Safety and Health Law; (d) to Borrower’s knowledge, is not the
      subject of federal or state investigation evaluating whether any investigation,
      remedial action or other response is needed to respond to any allegedly unsafe
      or unhealthful condition; (e) has not filed any notice under or relating to
      any
      Occupational Safety and Health Law indicating or reporting any potentially
      unsafe or unhealthful condition, and there exists no basis for such notice
      irrespective of whether or not such notice was actually filed; and (f) has
      no
      contingent liability in connection with any unsafe or unhealthful
      condition.

     

    5.20  Management
      Common Stock Loan Program.
      Schedule
      5.20
      attached
      hereto sets forth a description of Borrower’s management common stock loan
      program.

     

    ARTICLE
      6  

     

    COVENANTS
      OF BORROWER

     

    6.1  Consideration.
      As an
      inducement to Lender to execute this Agreement and to disburse the Loan Amount,
      Borrower hereby covenants as set forth in this Article
      6,
      which
      covenants shall remain in effect so long as the Note shall remain unpaid, unless
      otherwise waived by Lender in its sole and absolute discretion.

     

    6.2  No
      Encumbrances.
      Neither
      Borrower nor Guarantor will permit any Lien or Encumbrance to be made or filed
      against the Collateral, or any portion thereof, except for Permitted Exceptions,
      or permit any receiver, trustee, or assignee for the benefit of creditors to
      be
      appointed to take possession of the Collateral or any portion
      thereof.

     

    6.3  Compliance
      with Laws.
      Borrower will comply and, to the extent Borrower is able, will cause Guarantor
      to comply with all Requirements of Laws and requirements of all Governmental
      Authorities having jurisdiction over Borrower, Guarantor or the Collateral,
      except to the extent that noncompliance would not result in a Material Adverse
      Change.

     

    6.4  Lender
      Inspections.
      Upon
      reasonable prior notice, throughout the term of the Loan and during normal
      business hours, Borrower shall permit Lender or Collateral Agent and Lender’s or
      Collateral Agent’s representatives, inspectors, and consultants to enter upon
      the premises where any Collateral may be located and inspect the Collateral,
      to
      audit, examine, and copy all contracts, records (including, but not limited
      to,
      financial and accounting records pertaining to the Loan or the Collateral)
      which
      are kept at such premises or at Borrower’s offices, and to discuss the affairs,
      finances, and accounts of Borrower with representatives of Borrower and, to
      the
      extent Borrower is able, will cause others to provide access to Lender or
      Collateral Agent and Lender’s or Collateral Agent’s representatives, inspectors,
      and consultants to audit, examine, and copy all contracts, books, documents
      and
      records.

     

    6.5  Intentionally
      Omitted.
      

     

    6.6  Ownership
      of Collateral.
      Borrower and/or Guarantor is and will be the sole owner of the Collateral
      (except as described in Section
      5.6),
      whether acquired before or after the Closing Date, free from any adverse Lien
      or
      Encumbrance, security interest, or adverse claim of any kind whatsoever, except
      for Permitted Exceptions, security interests and Liens or Encumbrances in favor
      of the interest of a lessor pursuant to a lease of personal property approved
      by
      Lender and the Liens or Encumbrances and security interests approved by Lender
      pursuant to the Loan Documents.

     

    6.7  Information
      and Statements.
      Borrower shall deliver to Lender the following:

     

    (a)  Annual
      Financial Statements.
      Within
      one hundred twenty (120) days of the end of its fiscal year, the complete
      consolidated financial statements of the Consolidated Entities, which shall
      consist of a balance sheet, statements of income, cash flow and retained
      earnings, and a schedule of contingent liabilities as of the end of such annual
      period, such financial statements to be audited by an independent certified
      public accountant of recognized standing acceptable to Lender in its reasonable
      discretion. Lender consents to the engagement of KPMG.

     

    (b)  Quarterly
      Financial Statements.
      Within
      sixty (60) days of the end of each fiscal quarter (other than the final quarter
      of a fiscal year), the complete consolidated financial statements of the
      Consolidated Entities which shall consist of a balance sheet, statements of
      income, cash flow and retained earnings, and a schedule of contingent
      liabilities as of the end of each such quarterly period, such financial
      statements to be certified as true and correct by the president or chief
      financial officer of Borrower.

     

    (c)  Other
      Information.
      As soon
      as reasonably practicable, but in any event within thirty (30) days after a
      request therefor, such information concerning Borrower, Guarantor, any
      Subsidiaries thereof and the assets, business, financial condition, operations,
      property, prospects, and results of operations of Borrower, Guarantor and any
      other Subsidiaries thereof as Lender reasonably requests from time to
      time.

     

    (d)  Covenant
      Compliance Information.
      Notwithstanding anything in this Agreement to the contrary, Borrower will be
      required to timely deliver, as soon as reasonably practicable, but in any event
      within fifteen (15) days after a request therefor from Lender, such financial
      information as may be necessary to promptly and accurately calculate any
      financial ratio or covenant required under this Agreement, even if such
      information is not specifically enumerated herein. Any review of any
      Borrower-prepared financial statements used to test any financial ratio or
      covenant will not waive Lender’s rights to require further review or audit of
      such information or any rights if such further review or audit indicates
      financial information contrary to Borrower-prepared financial statements.
      Borrower agrees to deliver to Lender a Covenant Compliance Certificate at the
      same time as the delivery of the financial statements required pursuant to
      Sections
      6.7(a)
      and
(b).

     

    6.8  Financial
      Covenants.
      The
      Consolidated Entities shall not:

     

    (a)  Funded
      Debt to EBITDAR Ratio.
      Permit
      its ratio of (A) total liabilities, plus the net present value of payments
      under
      operating leases at a discount rate of seven percent (7%), but excluding (1)
      accounts arising from the purchase of goods and services in the ordinary course
      of business, (2) accrued expenses or losses, and (3) deferred revenues or gains,
      to (B) net income, plus amortization expense, depreciation expense, interest
      expense, income tax expense, and rents and operating lease payments, less
      extraordinary gains and losses (collectively, “EBITDAR”),
      for
      the twelve (12) month period then ending, to be greater than (x) 3.25 to 1.00
      as
      of the end of the fiscal quarter of Borrower ending on March 3, 2007, (y) 3.00
      to 1.00 as of the end of the fiscal quarter of Borrower ending on June 2, 2007,
      and (z) 2.75 to 1.00 as of the end of the fiscal quarter of Borrower ending
      on
      August 31, 2007 and each fiscal quarter thereafter.

     

    (b)  Fixed
      Charge Coverage Ratio.
      Permit
      its ratio of (A) net income before income tax expense, plus amortization
      expense, depreciation expense, interest expense, rent and operating lease
      payments, minus any distributions or dividends, for the twelve (12) month period
      then ending, to (B) prior period current maturities of long term debt and
      capital leases, interest expense, cash taxes paid, rent and operating lease
      payments, for the same such period, to be less than (x) 1.30 to 1.00 as of
      the
      end of the fiscal quarter of Borrower ending on March 3, 2007, (y) 1.35 to
      1.00
      as of the end of the fiscal quarter of Borrower ending on June 2, 2007, and
      (z)
      1.50 to 1.00 as of the end of the fiscal quarter of Borrower ending on August
      31, 2007 and each fiscal quarter thereafter.

     

    (c)  Capital
      Expenditures.
      Make
      Capital Expenditures, exclusive of curriculum development costs, in excess
      of
      (i) $11,000,000.00 for Borrower’s fiscal year ending on August 31, 2007 and (ii)
      $8,000,000.00 for each fiscal year of Borrower thereafter.

     

    (d)  Minimum
      Net Worth.
      Permit
      its Net Worth to be less than ONE HUNDRED THIRTY-THREE MILLION AND NO/100
      DOLLARS ($133,000,000.00); provided,
      however,
      the
      Consolidated Entities’ Net Worth may be less than such amount if Lender
      determines that the Consolidated Entities’ Net Worth has decreased to an amount
      less than $133,000,000.00 as a result of Borrower’s purchase of its outstanding
      common or preferred stock. As used in this Section
      6.8(d),
      the
      term “Net
      Worth”
means
      the Consolidated Entities’ total assets less
      total
      liabilities, in each case as determined in accordance with GAAP.

     

    Such
      covenant or any computations required to determine or test compliance with
      such
      covenant may be made by Lender at any time or times and in its sole and absolute
      discretion based on information available to Lender.

     

    6.9  Representations
      and Warranties.
      Until
      repayment of the Note and all other obligations secured by the Security
      Agreement, the representations and warranties of Article
      5
      shall
      remain true and complete in all material respects.

     

    6.10  Trade
      Names.
      Borrower and Guarantor shall promptly notify Lender in writing of any change
      in
      the legal, trade, or fictitious business names used by Borrower or Guarantor,
      or
      a change in the state of formation of Borrower or Guarantor, and shall, upon
      Lender’s request, authorize the preparation and filing of any additional
      financing statements and/or execute or cause to be executed any other
      certificates or documents necessary to reflect the change in legal, trade,
      or
      fictitious business names, or a change in state of formation.

     

    6.11  Intentionally
      Omitted.
      

     

    6.12  Notice
      of Litigation, Material Adverse Change or Event of Default.
      Borrower will give, or cause to be given, prompt written notice to Lender of
      (a)
      any action or proceeding which is instituted by or against Borrower or Guarantor
      in any federal or state court, or before any commission or other regulatory
      body, federal, state or local, foreign or domestic, or any such proceedings
      which are threatened in writing against Borrower or Guarantor which, if
      adversely determined, would result in a Material Adverse Change, (b) any
      other action, event, or condition of any nature which would result in a Material
      Adverse Change, and (c) any actions, proceedings, or written notices
      adversely affecting the Collateral, or Lender’s or Collateral Agent’s interest
      therein, except to the extent any such action, proceeding or notice would not
      result in a Material Adverse Change, and (d) the occurrence of an Event of
      Default.

     

    6.13  Intentionally
      Omitted.

     

    6.14  Maintenance
      of Business.
      Borrower and Guarantor shall maintain and preserve all rights and franchises
      material to their respective businesses.

     

    6.15  Material
      Agreements.
      Unless
      such actions would not result in a Material Adverse Change, Borrower shall
      not
      make, consent to, or permit any alteration, amendment, modification, release,
      waiver or termination of any material agreement to which it is a party without
      the prior written consent of Lender, which consent will not be unreasonably
      withheld or delayed.

     

    6.16  Right
      of Entry.
      Lender
      or Collateral Agent shall have the right, upon reasonable prior notice, to
      enter
      upon any portion of the premises where any Collateral may be located to verify
      compliance with the Loan Documents.

     

    6.17  Transfer
      of Assets.
      Unless
      such action would result in a Material Adverse Change (without taking into
      consideration subsections (iii) and (iv) of the definition of Material Adverse
      Change), Borrower and Guarantor may sell, convey, transfer, assign or dispose
      of
      any properties or assets, or any right, title or interest therein, or any part
      thereof, or enter into any lease covering all or any portion thereof or an
      undivided interest therein, either voluntarily, involuntarily, or otherwise;
      provided,
      however,
      that
      neither Borrower nor Guarantor shall sell, transfer, lease, or otherwise dispose
      of all or any substantial part of the assets, business, operations, or property
      of Borrower or Guarantor, other than such a sale, transfer, lease or disposition
      to Borrower or another Guarantor.

     

    6.18  Dividends
      and Other Distributions.
      The
      Consolidated Entities may directly or indirectly declare or pay dividends to
      its
      shareholders, members, partners or others on or on account of any shares,
      membership interests, partnership interests or other securities of any of the
      Consolidated Entities, so long as no Event of Default has occurred and is
      continuing or would occur as a result of such declaration or
      payment.

     

    6.19  Change
      of Control.
      Without
      the prior written consent of Lender, which consent will not be unreasonably
      withheld or delayed, Borrower and Guarantor shall not cause, permit or suffer
      any Change of Control to occur.

     

    6.20  Loans,
      Investments, Guaranties, Subordinations.
      From
      and after the date hereof, unless an Event of Default has occurred and is
      continuing or would occur as a result of such action, and provided that at
      any
      time the amounts involved do not exceed $1,000,000 in any individual case or
      $5,000,000 in the aggregate, the Consolidated Entities may, directly or
      indirectly (a) make loans or advances to other Persons, (b) purchase or
      otherwise acquire capital stock or other securities of other Persons, limited
      liability company interests or partnership interests in other Persons, or
      warrants or other options or rights to acquire capital stock or securities
      of
      other Persons or limited liability company interests or partnership interests
      in
      other Persons, (c) make capital contributions to other Persons, (d) otherwise
      invest in or acquire interests in other Persons, (e) guaranty or otherwise
      become obligated in respect of Indebtedness of other Persons, (f) subordinate
      claims against, or obligations of other Persons to, the Consolidated Entities
      to
      any other indebtedness of such Person, or (g) incur Indebtedness;
provided,
      however,
      that,
      for the avoidance of doubt, (1) if an Event of Default has occurred and is
      continuing or would occur as a result of the taking of any of the foregoing
      actions, or if the amounts involved exceed the caps specified in this Section,
      the Consolidated Entities may not do or take any of the actions listed in this
      Section without the prior written consent of Lender and (2) (A) the line of
      credit in the maximum principal amount of £100,000.00 incurred by Franklin Covey
      Europe, Ltd., (B) the line of credit in the maximum principal amount of
      CAN$500,000.00 incurred by Franklin Covey Canada, Ltd., and (C) the mortgage
      loan in the maximum principal amount of CAN$895,253.00 incurred by Franklin
      Covey Canada, Ltd., in each case incurred prior to and outstanding as of the
      Closing Date (and any refinance thereof up to the amounts stated in the
      foregoing clauses (A), (B) and (C)) shall not be subject to the caps specified
      in this Section. Notwithstanding the foregoing, the prior written consent of
      Lender shall not be required for (y) intercompany transactions between or
      among the Consolidated Entities or (z) unsecured trade payables incurred by
      the
      Consolidated Entities in the ordinary course of business.

     

    6.21  Acquisition
      of All or Substantially All Assets.
      Unless
      an Event of Default has occurred and is continuing or would occur as a result
      of
      such action, and provided that the amounts involved do not exceed $1,000,000
      in
      any individual case or $5,000,000 in the aggregate, Borrower and Guarantor
      may,
      directly or indirectly, acquire by purchase, lease, or otherwise all or
      substantially all of the assets of any other Person; provided,
      however,
      that,
      for the avoidance of doubt, (1) if an Event of Default has occurred and is
      continuing or would occur as a result of the taking of any of the foregoing
      actions, or if the amounts involved exceed the caps specified in this Section,
      Borrower or Guarantor may not do or take any of the actions listed in this
      Section without the prior written consent of Lender and (2) the amounts of
      any
      transactions entered into by any of the Consolidated Entities within sixty
      (60)
      days prior to the Closing Date shall be subject to the caps specified in this
      Section.

     

    6.22  Government
      Regulation.
      Borrower shall not (a) be or become subject at any time to any law, regulation,
      or list of any government agency (including, without limitation, the U.S. Office
      of Foreign Asset Control list) that prohibits or limits Lender from making
      any
      advance or extension of credit to Borrower or from otherwise conducting business
      with Borrower, or (b) fail to provide documentary and other evidence of
      Borrower’s identity as may be requested by Lender at any time to enable Lender
      to verify Borrower’s identity or to comply with any applicable law or
      regulation, including, without limitation, Section 326 of the USA Patriot Act
      of
      2001, 31 U.S.C. Section 5318.

     

    6.23  Intentionally
      Omitted.

     

    6.24  Disposition
      of Franklin Covey Mexico.
      The
      sale of Franklin Covey Mexico (whether by asset sale, merger, or otherwise)
      shall have closed no later than the date which is nine (9) months after the
      Closing Date. Borrower agrees that if the foregoing has not occurred by such
      date, Borrower shall cause Franklin Covey Mexico to guaranty the Loan and to
      pledge all of its assets to Lender as security for such guaranty, and to deliver
      to Lender the equivalent of such agreements, documents, instruments,
      certificates and information as have been required to be delivered by each
      Guarantor as of the date hereof under any of the Loan Documents.

     

    6.25  Additional
      Guarantors.
      Upon
      the formation of any domestic Subsidiary of Borrower, Borrower shall cause
      such
      Subsidiary to be added as a Guarantor under the Guaranty.

     

    ARTICLE
      7  

     

    EVENTS
      OF DEFAULT AND REMEDIES

     

    7.1  Events
      of Default.
      The
      occurrence of any one or more of the following shall constitute an Event of
      Default under this Agreement:

     

    (a)  Failure
      by Borrower or Guarantor to pay any monetary amount within ten (10) days of
      the
      date when due under any Loan Document.

     

    (b)  Failure
      by Borrower or Guarantor to perform or comply with the provisions of
Sections
      6.2,
      6.6,
      6.7,
      6.8,
      6.10,
      6.17,
      6.18,
      6.19,
      6.20,
      6.21,
      or
6.24.

     

    (c)  Except
      as
      otherwise provided in this Section
      7.1,
      any
      failure by Borrower or Guarantor to perform any obligation not involving the
      payment of money, or to comply with any other term or condition applicable
      to
      Borrower or Guarantor under any Loan Document and the expiration of thirty
      (30)
      days after written notice of such failure by Lender to Borrower or
      Guarantor.

     

    (d)  The
      occurrence of a Material Adverse Change.

     

    (e)  Any
      representation or warranty by Borrower or Guarantor in any Loan Document is
      materially false, incorrect, or misleading as of the date made.

     

    (f)  Borrower
      or Guarantor (i) is unable or admits in writing Borrower’s or Guarantor’s
      inability to pay Borrower’s or Guarantor’s monetary obligations as they become
      due, (ii) fails to pay when due any monetary obligation, whether such obligation
      be direct or contingent, to any person in excess of $1,000,000, unless such
      obligation is being contested in good faith by Borrower or Guarantor, as
      determined by Lender in its reasonable discretion, (iii) makes a general
      assignment for the benefit of creditors, or (iv) applies for, consents to,
      or
      acquiesces in, the appointment of a trustee, receiver, or other custodian for
      Borrower or Guarantor or the property of Borrower or Guarantor or any part
      thereof, or in the absence of such application, consent, or acquiescence, a
      trustee, receiver, or other custodian is appointed for Borrower or Guarantor
      or
      the property of Borrower or Guarantor or any part thereof, and such appointment
      is not discharged within sixty (60) days.

     

    (g)  Commencement
      of any case under the Bankruptcy Code, Title 11 of the United State Code, or
      commencement of any other bankruptcy arrangement, reorganization, receivership,
      custodianship, or similar proceeding under any federal, state, or foreign
      Requirements of Law by or against Borrower or Guarantor and with respect to
      any
      such case or proceeding that is involuntary, and such case or proceeding is
      not
      dismissed with prejudice within sixty (60) days of the filing
      thereof.

     

    (h)  A
      final
      judgment or decree for monetary damages or a monetary fine or penalty (not
      subject to appeal or as to which the time for appeal has expired) is entered
      against Borrower or Guarantor by any Government Authority, which together with
      the aggregate amount of all other such judgments or decrees against Borrower
      or
      Guarantor that remain unpaid or that have not been discharged or stayed, exceeds
      $250,000, and such judgment or decree is not paid and discharged or stayed
      or
      appealed within thirty (30) days after the entry thereof.

     

    (i)  The
      dissolution of Borrower or Guarantor or the commencement of any action or
      proceeding which seeks as one of its remedies the dissolution of Borrower or
      Guarantor.

     

    (j)  All
      or
      any material part of the Collateral of Borrower or Guarantor is attached, levied
      upon, or otherwise seized by legal process, and such attachment, levy, or
      seizure is not quashed, stayed, or released within twenty (20) days of the
      date
      thereof.

     

    (k)  The
      occurrence of any Transfer, unless Lender delivers to Borrower its prior written
      consent to such Transfer.

     

    (l)  Guarantor
      shall take any action to repudiate its Guaranty, or the Guaranty shall otherwise
      cease to be in full force and effect.

     

    (m)  The
      occurrence of any default and the failure to cure such default during applicable
      cure periods, if any, or an Event of Default, as such term is defined in any
      other Loan Document.

     

    (n)  Any
      failure, breach or default under the Other Loans, it being the intention and
      agreement of Lender and Borrower to cross-default the Loan and the Other
      Loans.

     

    (o)  The
      occurrence or existence of any default, event of default or other similar
      condition or event (however described) with respect to a Swap
      Agreement.

     

    7.2  Remedies.

     

    (a)  Notwithstanding
      any provision to the contrary herein or in any of the other Loan Documents,
      upon
      the happening, and during the continuance, of any Event of Default under this
      Agreement, Lender’s obligation to make Advances or to issue Letters of Credit
      shall abate and Lender shall, at its option, have the remedies provided herein
      and in any other Loan Document, including, without limitation, the option to
      declare all outstanding indebtedness to be immediately due and payable without
      presentment, demand, protest or notice of any kind, and the following remedies:
      (i) Lender may, at its option, apply any of Borrower’s or Guarantor’s funds in
      its possession to the outstanding indebtedness under the Note whether or not
      such indebtedness is then due; (ii) Lender or Collateral Agent may exercise
      all
      rights and remedies available to them under any or all of the Loan Documents;
      and (iii) Lender shall have the right to perform Borrower’s obligations under
      this Agreement. All sums expended by Lender or Collateral Agent for such
      purposes shall be deemed to have been disbursed to and borrowed by Borrower
      and
      evidenced by the Note and secured by the Security Agreement.

     

    (b)  Borrower
      hereby constitutes and appoints Lender, or an independent contractor selected
      by
      Lender, during the continuance of an Event of Default, as its true and lawful
      attorney-in-fact with full power of substitution for the purposes of performance
      of Borrower’s obligations under this Agreement in the name of Borrower. It is
      understood and agreed that the foregoing power of attorney shall be deemed
      to be
      a power coupled with an interest which cannot be revoked until repayment of
      the
      Loan.

     

    (c)  In
      addition to any other rights and remedies of Lender, if an Event of Default
      exists and is continuing, Lender is authorized at any time and from time to
      time
      during the continuance of the Event of Default, without prior notice to Borrower
      (any such notice being waived by Borrower to the fullest extent permitted by
      law) to set-off and apply any and all deposits or deposit accounts (general
      or
      special, time or demand, provisional or final) at any time held by Lender to
      or
      for the credit or the account of Borrower against any and all obligations of
      Borrower under the Loan Documents, now or hereafter existing, irrespective
      of
      whether or not Lender shall have made demand under this Agreement or any other
      Loan Document and although such amounts owed may be contingent or unmatured.
      If
      Lender exercises such setoff right, Lender exercising such right agrees promptly
      to notify Borrower after any such setoff and application made by Lender;
provided,
      however,
      that
      the failure to give such notice shall not affect the validity of such setoff
      and
      application. 

     

    ARTICLE
      8  

     

    MISCELLANEOUS

     

    8.1  Assignment.
      Borrower shall not assign any of its rights under this Agreement.

     

    8.2  Notices.
      All
      notices, requests, demands and consents to be made hereunder to the parties
      hereto shall be in writing and shall be delivered by hand or sent by registered
      mail or certified mail, postage prepaid, return receipt requested (except for
      any notice address which is a post office box, in which case notice may be
      given
      by first class mail), through the United States Postal Service to the addresses
      shown below, or such other address which the parties may provide to one another
      in accordance herewith. Such notices, requests, demands and consents, if sent
      by
      mail, shall be deemed given two (2) Business Days after deposit in the United
      States mail, and if delivered by hand, shall be deemed given when
      delivered.

     

     

    
      	 	
              To
                Lender

            	
              or Collateral Agent: JPMorgan
                Chase Bank, N.A.

              80
                West Broadway, Suite 200

              Salt
                Lake City, Utah 84101

              Attn:
                Paul Sommer

            
	 	 	 
	 	with a copy to:	
              Snell & Wilmer L.L.P.

              Gateway
                Tower West

              15
                West South Temple, Suite 1200

              Salt
                Lake City, Utah 84101

              Attn:
                Brian D. Cunningham, Esq.

            
	 	 	 
	 	To Borrower:	
              Franklin Covey Co.

              2200
                West Parkway Blvd.

              Salt
                Lake City, Utah 84119

              Attn:
                Richard Putnam

            
	 	 	 
	 	with a copy to:	
              Dorsey & Whitney LLP

              170
                South Main Street, Suite 900

              Salt
                Lake City, Utah 84101

              Attn:
                Nolan S. Taylor, Esq.

            
	 	 	 
	 	 	 

    

     

    8.3  Intentionally
      Omitted.

     

    8.4  Inconsistencies
      with the Loan Documents.
      In the
      event of any inconsistencies between the terms of this Agreement and any terms
      of any of the Loan Documents, the terms of this Agreement shall govern and
      prevail.

     

    8.5  No
      Waiver.
      No
      waiver by Lender of any Event of Default or conditions or covenants contained
      herein (including, without limitation, with respect to the making of Advances)
      shall extend to any subsequent or other Event of Default or conditions or
      covenants contained herein or impair any consequence of such subsequent Event
      of
      Default or conditions or covenants contained herein.

     

    8.6  Lender
      Approval of Instruments and Parties.
      All
      proceedings taken in accordance with transactions provided for herein, and
      all
      surveys, appraisals, and documents required or contemplated by this Agreement
      and the persons responsible for the execution and preparation thereof shall
      be
      satisfactory to and subject to approval by Lender. Lender’s counsel shall be
      provided with copies of all documents which they may reasonably request in
      connection with the Agreement.

     

    8.7  Lender
      Determination of Facts.
      Lender
      shall at all times be free to establish independently, to its satisfaction,
      the
      existence or nonexistence of any fact or facts, the existence or nonexistence
      of
      which is a condition of this Agreement.

     

    8.8  Incorporation
      of Preamble, Recitals and Exhibits.
      The
      preamble, recitals, and exhibits hereto are hereby incorporated into this
      Agreement.

     

    8.9  Payment
      of Expenses.
      Borrower
      shall pay or cause to be paid all taxes and assessments and all expenses,
      charges, costs, and fees provided for in this Agreement or relating to the
      Loan
      or the Collateral, including, without limitation, any fees incurred for
      recording or filing any of the Loan Documents, fees of any consultants,
      reasonable fees and expenses of Lender’s or Collateral Agent’s counsel in
      negotiating, documenting, administering and enforcing the Loan, whether prior
      to
      or after the Closing Date, documentation and processing fees, printing,
      photostating and duplicating expenses, air freight charges, escrow fees, costs
      of inspections of the Collateral, and premiums of hazard insurance policies
      and
      surety bonds. Borrower hereby authorizes Lender to disburse the proceeds of
      the
      Loan to pay such expenses, charges, costs, and fees notwithstanding that
      Borrower may not have requested a disbursement of such amount. Lender may make
      such disbursements notwithstanding the fact that the Loan is not “in balance” or
      that Borrower is in default under the terms of this Agreement or any other
      Loan
      Document. Such disbursement shall be added to the outstanding principal balance
      of the Note. The authorization hereby granted shall be irrevocable, and no
      further direction or authorization from Borrower shall be necessary for Lender
      to make such disbursements. However, the provision of this Section
      8.9
      shall
      not prevent Borrower from paying such expense, charges, costs, and fees from
      its
      own funds. All such expenses, charges, costs, and fees shall be Borrower’s
      obligation regardless of whether or not Borrower has requested and met the
      conditions for an Advance. The obligations on the part of Borrower under this
      Section 8.9
      shall
      survive the closing of the Loan and the repayment thereof. Borrower hereby
      authorizes Lender, in its sole and absolute discretion, to pay such expenses,
      charges, costs, and fees at any time by a disbursement of the Loan.

     

    8.10  Disclaimer
      by Lender.
      Lender
      shall not be liable to any contractor, subcontractor, supplier, laborer,
      architect, engineer, or any other party for services performed or materials
      supplied in connection with the Collateral. Neither Lender nor Collateral Agent
      shall be liable for any debts or claims accruing in favor of any such parties
      against Borrower or others or against the Collateral. Borrower is not and shall
      not be an agent of Lender or Collateral Agent for any purpose. Neither Lender
      nor Collateral Agent is a joint venture partner with Borrower in any manner
      whatsoever. Prior to default by Borrower under this Agreement and the exercise
      of remedies granted herein, neither Lender nor Collateral Agent shall be deemed
      to be in privity of contract with any contractor or provider of services to
      the
      Collateral, nor shall any payment of funds directly to a contractor,
      subcontractor, or provider of services be deemed to create any third party
      beneficiary status or recognition of same by Lender or Collateral Agent.
      Approvals granted by Lender or Collateral Agent for any matters covered under
      this Agreement shall be narrowly construed to cover only the parties and facts
      identified in any written approval or, if not in writing, such approvals shall
      be solely for the benefit of Borrower.

     

    8.11  Indemnification.
      TO THE
      FULLEST EXTENT PERMITTED BY LAW, BORROWER AGREES TO PROTECT, INDEMNIFY, DEFEND
      AND SAVE HARMLESS LENDER OR COLLATERAL AGENT, THEIR DIRECTORS, OFFICERS, AGENTS,
      ATTORNEYS, AND EMPLOYEES FOR, FROM, AND AGAINST ANY AND ALL LIABILITY, EXPENSE,
      OR DAMAGE OF ANY KIND OR NATURE AND FOR, FROM, AND AGAINST ANY SUITS, CLAIMS,
      OR
      DEMANDS, INCLUDING REASONABLE ATTORNEY’S FEES AND EXPENSES ON ACCOUNT OF ANY
      MATTER OR THING OR ACTION, WHETHER IN SUIT OR NOT, ARISING OUT OF THIS
      AGREEMENT, OR IN CONNECTION HEREWITH, EXCLUDING HOWEVER, ANY MATTERS ARISING
      OUT
      OF AN INDEMNIFIED PARTY’S GROSS NEGLIGENCE OR WILLFUL MISCONDUCT OR ANY MATTERS
      ARISING AFTER EITHER OF LENDER OR COLLATERAL AGENT HAS TAKEN TITLE TO OR
      POSSESSION OF THE COLLATERAL. Upon receiving knowledge of any suit, claim,
      or
      demand asserted by a third party that Lender or Collateral Agent believes is
      covered by this indemnity, Lender or Collateral Agent, as the case may be,
      shall
      give Borrower notice of the matter and an opportunity to defend it, at
      Borrower’s sole cost and expense, with legal counsel satisfactory to Lender or
      Collateral Agent, as the case may be. Lender or Collateral Agent, as the case
      may be, may also require Borrower to so defend the matter. The obligations
      on
      the part of Borrower under this Section
      8.11
      shall
      survive the closing of the Loan and the repayment thereof.

     

    8.12  Titles
      and Headings.
      The
      headings at the beginning of each section of this Agreement are solely for
      convenience and are not part of this Agreement. Unless otherwise indicated,
      each
      reference in this Agreement to a section or an exhibit is a reference to the
      respective section herein or exhibit hereto.

     

    8.13  Number
      and Gender.
      In this
      Agreement the singular shall include the plural and the masculine shall include
      the feminine and neuter gender and vice versa, if the context so
      requires.

     

    8.14  Brokers.
      Borrower and Lender represent to each other that neither of them knows of any
      brokerage commissions or finders’ fee due or claimed with respect to the
      transaction contemplated hereby. Borrower and Lender shall indemnify and hold
      harmless the other party for, from and against any and all loss, damage,
      liability, or expense, including costs and reasonable attorney fees, which
      such
      other party may incur or sustain by reason of or in connection with any
      misrepresentation by the indemnifying party with respect to the
      foregoing.

     

    8.15  Change,
      Discharge, Termination, or Waiver.
      No
      provision of this Agreement may be changed, discharged, terminated, or waived
      except in writing signed by the party against whom enforcement of the change,
      discharge, termination, or waiver is sought. No failure on the part of Lender
      to
      exercise, and no delay by Lender in exercising, any right or remedy under the
      Loan Documents or under the law shall operate as a waiver thereof.

     

    8.16  Choice
      of Law.
      THIS
      AGREEMENT AND THE TRANSACTIONS CONTEMPLATED HEREUNDER SHALL BE GOVERNED BY
      AND
      CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF UTAH WITHOUT GIVING EFFECT
      TO CONFLICT OF LAWS PRINCIPLES. THE PARTIES AGREE THAT ALL ACTIONS OR
      PROCEEDINGS ARISING IN CONNECTION WITH THIS AGREEMENT AND THE OTHER LOAN
      DOCUMENTS MAY BE TRIED AND LITIGATED IN THE STATE AND FEDERAL COURTS LOCATED
      IN
      THE COUNTY OF SALT LAKE, STATE OF UTAH OR, IN ANY OTHER COURT IN WHICH A PARTY
      SHALL INITIATE LEGAL OR EQUITABLE PROCEEDINGS AND WHICH HAS SUBJECT MATTER
      JURISDICTION OVER THE MATTER IN CONTROVERSY. EACH OF BORROWER AND LENDER WAIVES,
      TO THE EXTENT PERMITTED UNDER APPLICABLE LAW, ANY RIGHT EACH MAY HAVE TO ASSERT
      THE DOCTRINE OF FORUM NON CONVENIENS OR TO OBJECT TO VENUE TO THE EXTENT ANY
      PROCEEDING IS BROUGHT IN ANY STATE OR FEDERAL COURT LOCATED IN THE COUNTY OF
      SALT LAKE, STATE OF UTAH.

     

    8.17  Disbursements
      in Excess of Loan Amount.
      In the
      event the total disbursements by Lender exceed the amount of the Loan, to the
      extent permitted by the laws of the State of Utah, the total of all
      disbursements shall be secured by the Collateral. All other sums expended by
      Lender pursuant to this Agreement or any other Loan Documents shall be deemed
      to
      have been paid to Borrower and shall be secured by, among other things, the
      Collateral.

     

    8.18  Participations;
      Assignments.
      Lender
      shall have the right at any time to sell, assign, transfer, negotiate, or grant
      participations in all or any part of the Loan or the Note to one or more
      participants. Borrower hereby acknowledges and agrees that any such disposition
      will give rise to a direct obligation of Borrower to each such participant.
      Lender may at any time, without the consent of Borrower, assign all or any
      portion of its rights under this Agreement and the Note to a Federal Reserve
      Bank. Borrower shall have the right, without any obligation to pay the Early
      Termination Fee, to terminate the Loan prior to the Maturity Date within ninety
      (90) days after receiving written notice from Lender that it intends to assign
      or grant participations in the Loan, provided that Borrower otherwise complies
      with the requirements of Section
      2.6(c)
      hereof.

     

    8.19  Counterparts.
      This
      Agreement may be executed in any number of counterparts each of which shall
      be
      deemed an original, but all such counterparts together shall constitute but
      one
      agreement. Borrower and Lender agree and acknowledge that facsimile signature
      pages will be acceptable and shall be conclusive evidence of execution of any
      Loan Document, resolution or other agreement relating to the Loan.

     

    8.20  Time
      is of the Essence.
      Time is
      of the essence of this Agreement.

     

    8.21  Attorneys’
      Fees.
      Borrower agrees to pay all costs of administration, enforcement and collection
      and preparation for any Event of Default or any action taken by Lender or
      Collateral Agent (including, without limitation, reasonable attorney’s fees),
      whether or not any action or proceeding is brought (including, without
      limitation, all such costs incurred in connection with any bankruptcy,
      receivership, or other court proceedings (whether at the trial or appellate
      level)), together with interest thereon from the date of demand at the Default
      Interest Rate.

     

    8.22  Jury
      Waiver.
      EACH
      PARTY HERETO HEREBY WAIVES, TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW,
      ANY RIGHT IT MAY HAVE TO A TRIAL BY JURY IN ANY LEGAL PROCEEDING DIRECTLY OR
      INDIRECTLY ARISING OUT OF OR RELATING TO THIS AGREEMENT OR THE TRANSACTIONS
      CONTEMPLATED HEREBY (WHETHER BASED ON CONTRACT, TORT OR ANY OTHER THEORY).
      EACH
      PARTY HERETO (A) CERTIFIES THAT NO REPRESENTATIVE, AGENT OR ATTORNEY OF ANY
      OTHER PARTY HAS REPRESENTED, EXPRESSLY OR OTHERWISE, THAT SUCH OTHER PARTY
      WOULD
      NOT, IN THE EVENT OF LITIGATION, SEEK TO ENFORCE THE FOREGOING WAIVER AND (B)
      ACKNOWLEDGES THAT IT AND THE OTHER PARTIES HERETO HAVE BEEN INDUCED TO ENTER
      INTO THIS AGREEMENT BY, AMONG OTHER THINGS, THE MUTUAL WAIVERS AND
      CERTIFICATIONS IN THIS SECTION.

     

    8.23  Waiver
      of Special Damages. TO
      THE
      EXTENT PERMITTED BY APPLICABLE LAW, BORROWER SHALL NOT ASSERT, AND HEREBY
      WAIVES, ANY CLAIM AGAINST LENDER, ON ANY THEORY OF LIABILITY, FOR SPECIAL,
      INDIRECT, CONSEQUENTIAL OR PUNITIVE DAMAGES (AS OPPOSED TO DIRECT OR ACTUAL
      DAMAGES) ARISING OUT OF, IN CONNECTION WITH, OR AS A RESULT OF, THIS AGREEMENT
      OR ANY AGREEMENT OR INSTRUMENT CONTEMPLATED HEREBY, THE TRANSACTIONS, THE LOAN
      OR THE USE OF THE PROCEEDS THEREOF.

     

    8.24  MISCELLANEOUS
      WAIVERS.
      TO THE
      FULLEST EXTENT PERMITTED BY APPLICABLE LAW, BORROWER HEREBY WAIVES ANY AND
      ALL
      RIGHTS TO REQUIRE MARSHALLING OF ASSETS BY LENDER. WITH RESPECT TO ANY SUIT,
      ACTION OR PROCEEDINGS RELATING TO THIS AGREEMENT OR THE OTHER LOAN DOCUMENTS
      (EACH, A “PROCEEDING”),
      BORROWER IRREVOCABLY (A) SUBMITS TO THE JURISDICTION OF THE STATE AND FEDERAL
      COURTS HAVING JURISDICTION IN THE CITY OF SALT LAKE, COUNTY OF SALT LAKE AND
      STATE OF UTAH, AND (B) WAIVES ANY OBJECTION WHICH IT MAY HAVE AT ANY TIME TO
      THE
      LAYING OF VENUE OF ANY PROCEEDING BROUGHT IN ANY SUCH COURT, WAIVES ANY CLAIM
      THAT ANY PROCEEDING HAS BEEN BROUGHT IN AN INCONVENIENT FORUM AND FURTHER WAIVES
      THE RIGHT TO OBJECT, WITH RESPECT TO SUCH PROCEEDING, THAT SUCH COURT DOES
      NOT
      HAVE JURISDICTION OVER SUCH PARTY. NOTHING IN THIS AGREEMENT SHALL PRECLUDE
      LENDER FROM BRINGING A PROCEEDING IN ANY OTHER JURISDICTION NOR WILL THE
      BRINGING OF A PROCEEDING IN ANY ONE OR MORE JURISDICTIONS PRECLUDE THE BRINGING
      OF A PROCEEDING IN ANY OTHER JURISDICTION. BORROWER FURTHER AGREES AND CONSENTS
      THAT, IN ADDITION TO ANY METHODS OF SERVICE OF PROCESS PROVIDED FOR UNDER
      APPLICABLE LAW, ALL SERVICE OF PROCESS IN ANY PROCEEDING IN ANY UTAH STATE
      OR
      UNITED STATES COURT SITTING IN THE CITY OF SALT LAKE AND COUNTY OF SALT LAKE
      MAY
      BE MADE BY CERTIFIED OR REGISTERED MAIL, RETURN RECEIPT REQUESTED, DIRECTED
      TO
      BORROWER AT THE ADDRESS INDICATED BELOW, AND SERVICE SO MADE SHALL BE COMPLETE
      UPON RECEIPT; EXCEPT
      THAT IF
      BORROWER SHALL REFUSE TO ACCEPT DELIVERY, SERVICE SHALL BE DEEMED COMPLETE
      FIVE
      (5) DAYS AFTER THE SAME SHALL HAVE BEEN SO MAILED.

     

    8.25  Integration.
      The
      Loan Documents contain the complete understanding and agreement of Borrower
      and
      Lender and supersede all prior representations, warranties, agreements,
      arrangements, understandings, and negotiations. PURSUANT
      TO UTAH
      CODE ANNOTATED
      SECTION 25-5-4, BORROWER IS NOTIFIED THAT THE
      WRITTEN LOAN DOCUMENTS REPRESENT THE FINAL AGREEMENT BETWEEN THE PARTIES AND
      MAY
      NOT BE CONTRADICTED BY EVIDENCE OF ANY ALLEGED PRIOR, CONTEMPORANEOUS OR
      SUBSEQUENT ORAL AGREEMENTS OF THE PARTIES. THERE ARE NO UNWRITTEN ORAL
      AGREEMENTS BETWEEN THE PARTIES.

     

    8.26  Binding
      Effect.
      The
      Loan Documents will be binding upon, and inure to the benefit of, Borrower
      and
      Lender and their respective successors and assigns. Borrower may not delegate
      its obligations under the Loan Documents.

     

    8.27  Survival.
      The
      representations, warranties, and covenants of Borrower and the Loan Documents
      shall survive the execution and delivery of the Loan Documents and the making
      of
      the Loan.

     

    8.28  Exchange
      of Information.
      Borrower
      agrees that Lender may exchange financial information about Borrower or
      Guarantor with its affiliates and other related entities and its participants
      and prospective participants. Borrower agrees that Lender may provide any
      information Lender may have about Borrower, Guarantor or about any matter
      relating to this Agreement or any of the Loan Documents to J.P. Morgan Chase
      & Co., or any of its subsidiaries or affiliates or their successors, or to
      any one or more purchasers or potential purchasers of the Loan. Borrower agrees
      that Lender may at any time sell, assign, or transfer one or more interests
      or
      participations in all or any part of its rights or obligations in and to this
      Agreement and the other Loan Documents to one or more purchasers whether or
      not
      related to or affiliated with Lender. Borrower hereby authorizes Lender, at
      its
      sole discretion and without notice to or consent of Borrower or Guarantor,
      to
      disclose to Zions or Collateral Agent on a confidential basis any information,
      financial or otherwise, which it may possess concerning Borrower or
      Guarantor.

     

    8.29  Regulation
      FD.
      Lender
      acknowledges that it is aware, and Lender will advise its directors, officers,
      employees, agents and advisors (collectively, “Representatives”)
      who
      are informed as to the matters which are the subject of this Agreement, that the
      United States securities laws prohibit any Person who has received from an
      issuer material, non-public information concerning such issuer from purchasing
      or selling securities of such issuer or from communicating such information
      to
      any other Person under circumstances in which it is reasonably foreseeable
      that
      such Person is likely to purchase or sell securities. Lender further agrees
      that
      it will keep, and it will advise its Representatives of its obligations to
      keep,
      confidential any material non-public information disclosed to Lender by Borrower
      or any Person acting on Borrower’s behalf. This Section
      8.29
      is a
      confidentiality agreement for purposes of Regulation FD promulgated under the
      Securities Exchange Act of 1934.

     

    8.30  USA
      PATRIOT ACT NOTIFICATION.
      Required Notice:

     

    USA
      PATRIOT ACT.
      The
      Lender hereby notifies Borrower that pursuant to the requirements of the USA
      Patriot Act (Title III of Pub. L. 107-56 (signed into law October 26, 2001))
      (the “Act”),
      it is
      required to obtain, verify and record information that identifies Borrower,
      which information includes the name and address of Borrower and other
      information that will allow Lender to identify Borrower in accordance with
      the
      Act.

     

    8.31  Exhibits
      and Schedules.
      The
      following exhibits and schedules to this Agreement are fully incorporated herein
      as if set forth at length:

     

    Exhibit
      A
      - Form of Covenant Compliance Certificate

    Exhibit
      B
      - Form of Request for Advance

    Schedule
      5.2(d) - Subsidiaries

    Schedule
      5.5 - Litigation

    Schedule
      5.6 - Existing Liens and Encumbrances

    Schedule
      5.20 - Management Loan Program

     

    ARTICLE
      9  

     

    COLLATERAL
      RELEASES

     

    9.1  Full
      Release.
      Unless
      either of Lender or Collateral Agent otherwise consents in writing, the
      Collateral or any part thereof shall not be released from the Lien and
      Encumbrance of the Security Agreement until all Indebtedness and Obligations
      of
      Borrower and Guarantor under the Loan Documents have been indefeasibly paid
      and
      performed in full.

     

    [Remainder
      of Page Intentionally Left Blank]

     

    IN
      WITNESS WHEREOF, Lender and Borrower have caused this Agreement to be duly
      executed and delivered as of the date first above written.

     

    
      	 	 	 
	 	FRANKLIN
              COVEY CO.
	 
 	 
 	 a
              Utah corporation
 
	 	By:  	/s/
              RICHARD PUTNAM
	 	
              
Richard
              Putnam
	 	
              Title:
                Treasurer and Vice President of Investor Relations

              "Borrower"

            

    

     

    
      	 	 	 
	 	JPMORGAN
              CHASE BANKK, N.A.
	 
 	 
 	 a
              national banking association
 
	 	By:  	 /s/
              TONY C. NIELSEN
	 	
              
Title:
              Tony C. Nielsen
	 	
              Title:
                Senior Vice President

              "Lender:

            

    

    
    

     

    
      
        
        

      

      
        
          

        

      

       

    

    EXHIBIT
      A

     

    FORM
      OF COVENANT COMPLIANCE CERTIFICATE

    COVENANT
      COMPLIANCE CERTIFICATE

     

    To: JPMORGAN
      CHASE BANK, N.A.

    80
      West
      Broadway, Suite 200

    Salt
      Lake
      City, Utah 84101

     

    For
      the
      [Quarter/Fiscal
      Year]
      Ending:
      _______________, 20___ (the “Reporting
      Period”).

     

    FRANKLIN
      COVEY CO.,
      a Utah
      corporation (“Borrower”),
      makes
      this certification to JPMORGAN
      CHASE BANK, N.A.,
      a
      national banking association (“Lender”),
      under
      that certain Revolving Line of Credit Agreement dated March 14, 2007 (the
“Loan
      Agreement”)
      by and
      between Borrower and Lender. Capitalized terms used herein without definition
      shall have the meanings given to such terms in the Loan Agreement.

     

    The
      undersigned hereby certifies to Lender that as reported on the most recent
      financial statements described below and submitted herewith to Lender, Borrower
      is in full and compliance with each and every financial covenant set forth
      in
      the Loan Agreement and each other covenant set forth in the Loan Agreement.
      The
      financial covenant requirements compared to the actual results are determined
      to
      be as follows, which results are further described on the Line of Credit
      Covenant Calculations set forth on Schedule
      1
      attached
      hereto, each of which Borrower certifies to be true and correct:

     

    Funded
      Debt to EBITDAR Ratio Covenant.
      The
      Consolidated Entities shall not permit its ratio of (A) total liabilities,
      plus
      the net present value of operating leases at a discount rate of seven percent
      (7%), but excluding (1) accounts arising from the purchase of goods and services
      in the ordinary course of business, (2) accrued expenses or losses, and (3)
      deferred revenues or gains, to (B) net income, plus amortization expense,
      depreciation expense, interest expense, income tax expense, and rents and
      operating lease payments, less extraordinary gains and losses (collectively,
      “EBITDAR”),
      for
      the twelve (12) month period then ending, to be greater than (x) 3.25 to 1.00
      as
      of the end of the fiscal quarter of Borrower ending on March 3, 2007, (y) 3.00
      to 1.00 as of the end of the fiscal quarter of Borrower ending on June 2, 2007,
      and (z) 2.75 to 1.00 as of the end of the fiscal quarter of Borrower ending
      on
      August 31, 2007 and each fiscal quarter thereafter.

     

    Maximum
      Ratio for Reporting Period:  

     

    
      
 

    Actual
      Ratio for Reporting Period:  

     

    
      
 

    In
      Compliance: Yes
       ̈ No
       ̈

     

    Fixed
      Charge Coverage Ratio Covenant.
      The
      Consolidated Entities shall not permit its ratio of (A) net income before income
      tax expense, plus amortization expense, depreciation expense, interest expense,
      rent and operating lease payments, minus any distributions or dividends, for
      the
      twelve (12) month period then ending, to (B) prior period current maturities
      of
      long term debt and capital leases, interest expense, cash taxes paid, rent
      and
      operating lease payments, for the same such period, to be less than (x) 1.30
      to
      1.00 as of the end of the fiscal quarter of Borrower ending on March 3, 2007,
      (y) 1.35 to 1.00 as of the end of the fiscal quarter of Borrower ending on
      June
      2, 2007, and (z) 1.50 to 1.00 as of the end of the fiscal quarter of Borrower
      ending on August 31, 2007 and each fiscal quarter thereafter.

     

    Minimum
      Ratio for Reporting Period =  

     

    Actual
      Ratio for Reporting Period =   

     

    In
      Compliance: Yes
       ̈ No
       ̈

     

    Capital
      Expenditures Covenant.
      The
      Consolidated Entities shall not make Capital Expenditures, exclusive of
      curriculum development costs, in excess of (i) $11,000,000.00 for Borrower’s
      fiscal year ending on August 31, 2007 and (ii) $8,000,000.00 for each fiscal
      year of Borrower thereafter.

     

    Maximum
      Capital Expenditures for Reporting Period: $ 

     

    
      
 

    Actual
      Capital Expenditures for Reporting Period: $ 

     

    
      
 

    In
      Compliance: Yes
       ̈ No
       ̈ N/A
       ̈

     

    Minimum
      Net Worth Covenant.
      The
      Consolidated Entities shall not permit its Net Worth to be less than ONE HUNDRED
      THIRTY-THREE MILLION AND NO/100 DOLLARS ($133,000,000.00); provided,
      however,
      the
      Consolidated Entities’ Net Worth may be less than such amount if Lender
      determines that the Consolidated Entities’ Net Worth has decreased to an amount
      less than $133,000,000.00 as a result of Borrower’s purchase of its outstanding
      common or preferred stock. As used in Section
      6.8(d) of
      the
      Loan Agreement, the term “Net
      Worth”
means
      the Consolidated Entities’ total assets less
      total
      liabilities, in each case as determined in accordance with GAAP.

     

    Minimum
      Net Worth as of End of Reporting Period: $ 

       

      
        

      

    

     

    Actual
      Net Worth as of End of Reporting Period: $ 

       

      
        

      

    

     

    In
      Compliance: Yes
       ̈ No
       ̈

     

    In
      addition, the undersigned certifies to Lender that, during the period covered
      by
      the financial statements and through the date of this
      Certification:

     

    A. No
      Event
      of Default has occurred and is continuing.

     

    B. Borrower
      has not pledged any of its assets except as permitted in the Loan
      Agreement.

     

    C. There
      has
      been no change in GAAP or in the application thereof to the Consolidated
      Entities’ financial statements since the date of the audited financial
      statements referred to in Section
      6.7
      of the
      Loan Agreement which were last delivered to Lender.

     

    Dated
      as
      of _______________, 20___.

     

    Very
      truly yours,

     

     

    
      	 	 	 
	 	FRANKLIN
              COVEY CO.
	 
 	 
 	 a
              Utah corporation
 
	 	By:  	 
	 	
              
Name
	 	Title 

    

    
    

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

    SCHEDULE
      1

    TO
      COVENANT COMPLIANCE CERTIFICATE

     

    LINE
      OF CREDIT COVENANT CALCULATIONS

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

     

    EXHIBIT
      B

     

    FORM
      OF REQUEST FOR ADVANCE

     

    [insert
      date]

    

    JPMORGAN
      CHASE BANK, N.A.

    80
      West
      Broadway, Suite 200

    Salt
      Lake
      City, Utah 84101

     

    Request
      for Advance No.:_____________________

     

    Ladies/Gentlemen:

     

    Reference
      is made to the Revolving Line of Credit Agreement dated as of March 14, 2007
      (the “Loan
      Agreement”)
      between FRANKLIN
      COVEY CO.,
      a Utah
      corporation (“Borrower”),
      and
JPMORGAN
      CHASE BANK, N.A.,
      a
      national banking association (“Lender”).
      Capitalized terms used but not otherwise defined herein shall have the meaning
      given them in the Loan Agreement.

     

    In
      accordance with Section
      2.2(a)
      of the
      Loan Agreement, the undersigned Borrower hereby requests that Lender make an
      Advance to us in the amount of $____________________ [insert
      amount]
      by
      means of and to the account specified in Lender’s Commercial Banking Funds
      Transfer Request Form attached hereto as Schedule
      1 [complete
      and execute form].

     

    Borrower
      hereby certifies, as of the date hereof and as of the date the Advance requested
      hereby is made, that:

     

    (a) no
      Event
      of Default has occurred and is continuing nor will an Event of Default occur
      after giving effect to such Advance as a result of such Advance;

     

    (b) each
      of
      the representations and warranties made by Borrower in or pursuant to the Loan
      Documents is true and correct in all material respects on and as of such date
      as
      if made on and as of the date hereof (or, if any such representation or warranty
      is expressly stated to have been made as of a specific date, as of such specific
      date); and

     

    (c) Borrower
      has satisfied all conditions precedent and all other requirements for the
      Advance of the funds requested herein as provided in the Loan Agreement and
      other Loan Documents.

     

    Very
      truly yours,

     

    
      	 	 	 
	 	FRANKLIN
              COVEY CO.
	 
 	 
 	 a
              Utah corporation
 
	 	By:  	 
	 	
              
Name
	 	Title 

    

     

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

     

    SCHEDULE
      1

    TO
      REQUEST FOR ADVANCE

     

    JPMORGAN
      CHASE BANK, N.A.

    COMMERCIAL
      BANKING

    FUNDS
      TRANSFER REQUEST FORM

    

    

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

    SCHEDULE
      5.2(d)

     

    SUBSIDIARIES

     

    

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

     

    SCHEDULE
      5.5

     

    LITIGATION

     

    epicRealm
      Licensing, LLC v. Franklin Covey Co., et al.,
      Case
      No. 2:05-CV-00356-DF-CMC in the United States District Court for the Eastern
      District of Texas, Marshall Division (has been consolidated with Case No.
      2:05-CV-00163-DF-CMC). In August 2005, epicRealm Licensing, LLC (epicRealm)
      filed an action against Borrower for patent infringement. The action alleges
      that Borrower infringed upon two of epicRealm’s patents that cover systems and
      methods for managing dynamic Web page generation requests from clients to a
      Web
      server that in turn uses a page server to generate a dynamic Web page using
      content retrieved from a data source. Borrower denies the patent infringement
      and believes that the epicRealm claims are invalid. This litigation is currently
      in the discovery phase and Borrower intends to vigorously defend the
      matter.

     

    SCHEDULE
      5.6

     

    EXISTING
      LIENS AND ENCUMBRANCES

     

    
      	
              Debtor

               

            	
              Secured
                Party

               

            	
              Collateral

               

            	
              Jurisdiction

               

            	
              Filing
                Date

               

            	
              Filing
                No.

               

            
	
              Franklin
                Covey Corporation

               

            	
              Lease
                Operations

               

            	
              Equipment

               

            	
              Utah

               

            	
              04/10/2002

               

            	
              184734200241

               

            
	
              Franklin
                Covery Company

               

            	
              Inter-tel

               

              Leasing,
                Inc.

               

            	
              Equipment

               

            	
              Utah

               

            	
              06/27/2002

               

            	
              191497200239

               

            
	
              Franklin
                Covey Printing, Inc.

               

            	
              Heidelberg
                USA, Inc.

               

            	
              Equipment

               

            	
              Utah

               

            	
              10/30/2006

               

            	
              306412200696

               

            
	
              Franklin
                Covey Company, Inc.

               

            	
              IOS
                Capital, LLC

               

            	
              Leased
                Equipment

               

            	
              Utah

               

            	
              10/31/2002

               

            	
              201520200221

               

            
	
              Franklin
                Covey Printing, Inc.

               

            	
              Komori
                America Corporation

               

            	
              Equipment

               

            	
              Utah

               

            	
              01/10/2007

               

            	
              311178200706

               

            
	
              Franklin
                Covey Co.

               

            	
              Zions
                First National Bank

               

            	
              Account
                #2918002 with Zions First National Bank

               

            	
              Utah

               

            	
              01/24/2007

               

            	
              312076200702

               

            
	 	 	 	 	 	 

    

    

    
      
        
        

      

      
        
        

        
        

      

      
        
        

      

    

    SCHEDULE
      5.20

     

    MANAGEMENT
      COMMON STOCK LOAN PROGRAM

     

    During
      fiscal 2000, certain of our management personnel borrowed funds from an external
      lender, on a full-recourse basis, to acquire shares of our common stock. The
      loan program closed during fiscal 2001 with 3.825 million shares of common
      stock
      purchased by the loan participants for a total cost of $33.6 million, which
      was
      the market value of the shares acquired and distributed to loan participants.
      The Company initially participated on these management common stock loans as
      a
      guarantor to the lending institution. However, in connection with a new credit
      facility obtained during the fourth quarter of fiscal 2001, we acquired the
      loans from the external lender at fair value and are now the creditor for these
      loans. The loans in the management stock loan program historically accrued
      interest at 9.4 percent (compounded quarterly), are full-recourse to the
      participants, and were originally due in March 2005. Although interest accrues
      on the outstanding balance over the life of the loans, the Company ceased
      recording interest receivable (and related interest income) related to these
      loans during the third quarter of fiscal 2002. However, loan participants remain
      obligated to pay all accrued interest upon maturity of the
      loans.

     

    In
      May
      2004, our Board of Directors approved modifications to the terms of the
      management stock loans. While these changes had significant implications for
      most management stock loan program participants, the Company did not formally
      amend or modify the stock loan program notes. Rather, the Company chose to
      forego certain of its rights under the terms of the loans and granted
      participants the modifications described below in order to potentially improve
      their ability to pay, and the Company’s ability to collect, the outstanding
      balances of the loans. These modifications to the management stock loan terms
      applied to all current and former employees whose loans do not fall under the
      provisions of the Sarbanes-Oxley Act of 2002. Loans to the Company’s officers
      and directors (as defined by the Sarbanes-Oxley Act of 2002) were not affected
      by the approved modifications. During fiscal 2005 the Company collected $0.8
      million, which represented payment in full, from an officer and members of
      the
      Board of Directors that were required to repay their loans on the original
      due
      date of March 30, 2005.

     

    The
      May
      2004 modifications to the management stock loan terms included the
      following:

     

    
      	
               

            	
               

            	
              Waiver
                of Right to Collect
                - The
                Company will waive its right to collect the outstanding balance of
                the
                loans prior to the earlier of (a) March 30, 2008, or (b) the date
                after
                March 30, 2005 on which the closing price of the Company’s stock
                multiplied by the number of shares purchased equals the outstanding
                principal and accrued interest on the management stock loans (the
                Breakeven Date).

            
	
               

            	
               

            	
               

            
	
               

            	
               

            	
              Lower
                Interest Rate
                - Effective
                May 7, 2004, the Company prospectively waived collection of all interest
                on the loans in excess of 3.16 percent per annum, which was the “Mid-Term
                Applicable Federal Rate” for May 2004.

            
	
               

            	
               

            	
               

            
	
               

            	
               

            	
              Use
                of the Company’s Common Stock to Pay Loan
                Balances
                - The
                Company may consider receiving shares of our common stock as payment
                on
                the loans, which were previously only payable in cash.

            
	
               

            	
               

            	
               

            
	
               

            	
               

            	
              Elimination
                of the Prepayment Penalty
                - The
                Company will waive its right to charge or collect any prepayment
                penalty
                on the management common stock
                loans.

            

    

    

    These
      modifications, including the reduction of the loan program interest rate, were
      not applied retroactively and participants remain obligated to pay interest
      previously accrued using the original interest rate. Also during fiscal 2005,
      our Board of Directors approved loan modifications for a former executive
      officer and a former director substantially similar to loan modifications
      previously granted to other loan participants in the management stock loan
      program as described above.

     

    Prior
      to
      the May 2004 modifications, the Company accounted for the loans and the
      corresponding shares using a loan-based accounting model that included guidance
      found in SAB 102, Selected
      Loan Loss Allowance Methodology and Documentation Issues;
      SFAS
      No. 114, Accounting
      by Creditors for Impairment of A Loan - an Amendment of FASB Statements No.
      5
      and 15;
      and
      SFAS No. 5, Accounting
      for Contingencies.
      However, due to the nature of the May 2004 modifications, the Company
      reevaluated its accounting for the management stock loan program. Based upon
      guidance found in EITF Issue 00-23, Issues
      Related to the Accounting for Stock Compensation under APB Opinion No. 25 and
      FASB Interpretation No. 44,
      and
      EITF Issue 95-16, Accounting
      for Stock Compensation Agreements with Employer Loan Features under APB Opinion
      No. 25,
      we
      determined that the management common stock loans should be accounted for as
      non-recourse stock compensation instruments. While this accounting treatment
      does not alter the legal rights associated with the loans to the employees
      as
      described above, the modifications to the terms of the loans were deemed
      significant enough to adopt the non-recourse accounting model as described
      in
      EITF 00-23. As a result of this accounting treatment, the remaining carrying
      value of the notes and interest receivable related to financing common stock
      purchases by related parties, which totaled $7.6 million prior to the loan
      term
      modifications, was reduced to zero with a corresponding reduction in additional
      paid-in capital. Since the Company was unable to control the underlying
      management common stock loan shares, the loan program shares continued to be
      included in Basic earnings per share (EPS) following the May 2004
      modifications.

     

    We
      currently account for the management common stock loans as equity-classified
      stock option arrangements. Under the provisions of SFAS No. 123R, which we
      adopted on September 1, 2005, additional compensation expense will be recognized
      only if the Company takes action that constitutes a modification which increases
      the fair value of the arrangements. This accounting treatment also precludes
      us
      from reversing the amounts expensed as additions to the loan loss reserve,
      totaling $29.7 million, which were recognized in prior periods.

     

    During
      fiscal 2006, the Company offered participants in the management common stock
      loan program the opportunity to formally modify the terms of their loans in
      exchange for placing their shares of common stock purchased through the loan
      program in an escrow account that allows the Company to have a security interest
      in the loan program shares. The key modifications to the management common
      stock
      loans for the participants accepting the fiscal 2006 offer are as
      follows:

     

    

    
      	
               

            	
               

            	
              Modification
                of Promissory Note
                -
                The management stock loan due date was changed to be the earlier
                of (a)
                March 30, 2013, or (b) the Breakeven Date as defined by the May 2004
                modifications. The interest rate on the loans will increase from
                3.16
                percent compounded annually to 4.72 percent compounded
                annually.

            
	
               

            	
               

            	
               

            
	
               

            	
               

            	
              Redemption
                of Management Loan Program Shares
                -
                The Company will have the right to redeem the shares on the due date
                in
                satisfaction of the promissory notes as
                follows:

            

    

    

    
      	
               

            	
              ·

            	
              On
                the Breakeven Date, the Company has the right to purchase and redeem
                from
                the loan participants the number of loan program shares necessary
                to
                satisfy the participant’s obligation under the promissory note. The
                redemption price for each such loan program share will be equal to
                the
                closing price of the Company’s common stock on the Breakeven
                Date.

            
	
               

            	
               

            	
               

            
	
               

            	
              ·

            	
              If
                the Company’s stock has not closed at or above the breakeven price on or
                before March 30, 2013, the Company has the right to purchase and
                redeem
                from the participants all of their loan program shares at the closing
                price on that date as partial payment on the participant’s
                obligation.

            

    

    

    The
      fiscal 2006 modifications were intended to give the Company a measure of control
      of the outstanding loan program shares and to facilitate payment of the loans
      should the market value of the Company’s stock equal the principal and accrued
      interest on the management stock loans. If a loan participant declines the
      offer
      to modify their management stock loan, their loan will continue to have the
      same
      terms and conditions that were previously approved in May 2004 by the Company’s
      Board of Directors and their loans will be due at the earlier of March 30,
      2008
      or the Breakeven Date. Consistent with the May 2004 modifications, stock loan
      participants will be unable to realize a gain on the loan program shares unless
      they pay cash to satisfy the promissory note obligation prior to the due date.
      As of the closing date of the extension offer, which was substantially completed
      in June 2006, management stock loan participants holding approximately 3,508,000
      shares, or 94 percent of the remaining loan shares, elected to accept the
      extension offer and placed their management stock loan shares into the escrow
      account.

     

    As
      a
      result of this modification, the Company reevaluated its accounting treatment
      regarding the loan shares and their inclusion in Basic EPS. Since the management
      stock loan shares held in the escrow account continue to have the same income
      participation rights as other common shareholders, the Company has determined
      that the escrowed loan shares are participating securities as defined by EITF
      03-06, Participating
      Securities and the Two-Class Method under FASB Statement No.
      128.
      As a
      result, the management loan shares will be included in the calculation of Basic
      EPS in periods of net income and excluded from Basic EPS in periods of net
      loss
      beginning in the fourth quarter of fiscal 2006, which was the completion of
      the
      escrow agreement modification.

     

    As
      a
      result of these loan program modifications, the Company hopes to increase the
      total value received from loan participants; however, the inability of the
      Company to collect all, or a portion, of these receivables could have an adverse
      impact upon our financial position and future cash flows compared to full
      collection of the loans.

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