Document:

EXHIBIT 10.1

 

SEQUOIA RESIDENTIAL
FUNDING, INC.

Depositor

  

WELLS FARGO
BANK, N.A.

 Master
Servicer and Securities Administrator

 

and

 

 

CHRISTIANA TRUST,
A DIVISION OF

WILMINGTON
SAVINGS FUND SOCIETY, FSB

 Trustee

 

 

 

POOLING AND
SERVICING AGREEMENT

 

dated as of
January 1, 2013

 

 

 

SEQUOIA MORTGAGE
TRUST 2013-1

 

    	 

    	 

    

 

TABLE OF CONTENTS

 

	ARTICLE
    I DEFINITIONS	 9
	 	 
	Section
    1.01	Definitions	9
	Section
    1.02	Calculations
    Respecting Mortgage Loans	 36
	 	 	 
	ARTICLE
    II DECLARATION OF TRUST; ISSUANCE OF CERTIFICATES	 36
	 	 
	Section
    2.01	Creation
    and Declaration of Trust Fund; Conveyance of Mortgage Loans	 36
	Section
    2.02	Acceptance
    of Trust Fund by Trustee; Review of Documentation for Trust Fund	 37
	Section
    2.03	Representations
    and Warranties of the Depositor	 38
	Section
    2.04	Discovery
    of Seller Breach; Repurchase of Mortgage Loans	 39
	Section
    2.05	Obligations
    in Respect of Alleged Breach of Originator Representations and Warranties	 40
	Section
    2.06	Intention
    of Parties	 43
	Section
    2.07	Controlling
    Holder Assumption of Purchase Agreement and Servicing Agreement Rights	 44
	 	 	 
	ARTICLE
    III THE CERTIFICATES	 46
	 	 
	Section
    3.01	The
    Certificates	 46
	Section
    3.02	Registration	 46
	Section
    3.03	Transfer
    and Exchange of Certificates	 47
	Section
    3.04	Cancellation
    of Certificates	 50
	Section
    3.05	Replacement
    of Certificates	 50
	Section
    3.06	Persons
    Deemed Owners	 51
	Section
    3.07	Temporary
    Certificates	 51
	Section
    3.08	Appointment
    of Paying Agent	 51
	Section
    3.09	Book-Entry
    Certificates	 51
	 	 	 
	ARTICLE
    IV ADMINISTRATION OF THE TRUST FUND	 53
	 	 
	Section
    4.01	Custodial
    Accounts; Distribution Account	 53
	Section
    4.02	Reports
    to Trustee and Certificateholders	 54
	Section
    4.03	Rule
    17g-5 Compliance	 57
	Section
    4.04	Rule
    15Ga-1 Compliance	 58
	 	 	 
	ARTICLE
    V DISTRIBUTIONS TO HOLDERS OF CERTIFICATES	 59
	 	 
	Section
    5.01	Distributions
    Generally	 59
	Section
    5.02	Distributions
    From the Distribution Account	 59
	Section
    5.03	Allocation
    of Losses	 61
	Section
    5.04	Servicer
    Obligations	 63
	Section
    5.05	Advances
    by Master Servicer	 63
	Section
    5.06	Master
    Servicer Compensating Interest Payments	 63
	 	 	 
	ARTICLE
    VI CONCERNING THE TRUSTEE AND THE SECURITIES ADMINISTRATOR; EVENTS OF DEFAULT	 63
	 	 
	Section
    6.01	Duties
    of Trustee and the Securities Administrator	 63
	Section
    6.02	Certain
    Matters Affecting the Trustee and the Securities Administrator	 66
	Section
    6.03	Trustee
    and Securities Administrator Not Liable for Certificates	 67
	Section
    6.04	Trustee
    and Securities Administrator May Own Certificates	 68
	Section
    6.05	Eligibility
    Requirements for Trustee and Securities Administrator	 68
	Section
    6.06	Resignation
    and Removal of Trustee and the Securities Administrator	 68
	Section
    6.07	Successor
    Trustee and Successor Securities Administrator	 69
	Section
    6.08	Merger
    or Consolidation of Trustee or Securities Administrator	 70
	Section
    6.09	Appointment
    of Co-Trustee, Separate Trustee or Custodian	 70
	Section
    6.10	Authenticating
    Agents	 71

 

    	2

    	 

    

 

	Section
    6.11	Indemnification
    of the Trustee, the Securities Administrator and the Master Servicer	 72
	Section
    6.12	Fees
    and Expenses of the Securities Administrator, the Certificate Registrar, the Paying Agent, Authenticating Agent, the Trustee
    and the Custodian	 73
	Section
    6.13	Collection
    of Monies	 74
	Section
    6.14	Events
    of Default; Trustee to Act; Appointment of Successor	 74
	Section
    6.15	Additional
    Remedies of Trustee Upon Event of Default	 77
	Section
    6.16	Waiver
    of Defaults	 77
	Section
    6.17	Notification
    to Holders	 78
	Section
    6.18	Directions
    by Certificateholders and Duties of Trustee During Event of Default	 78
	Section
    6.19	Action
    Upon Certain Failures of the Master Servicer and Upon Event of Default	 78
	Section
    6.20	Preparation
    of Tax Returns and Other Reports	 78
	Section
    6.21	Reporting
    to the Commission	 79
	Section
    6.22	Annual
    Statements of Compliance	 84
	Section
    6.23	Annual
    Assessments of Compliance	 84
	Section
    6.24	Accountant’s
    Attestation	 85
	Section
    6.25	Intention
    of the Parties and Interpretation; Indemnification	 86
	 	 	 
	ARTICLE
    VII PURCHASE OF MORTGAGE LOANS AND TERMINATION OF THE TRUST FUND	 87
	 	 
	Section
    7.01	Purchase
    of Mortgage Loans; Termination of Trust Fund Upon Purchase or Liquidation of All Mortgage Loans	 87
	Section
    7.02	Procedure
    Upon Redemption and Termination of Trust Fund	 88
	Section
    7.03	Additional
    Trust Fund Termination Requirements	 88
	 	 	 
	ARTICLE
    VIII RIGHTS OF CERTIFICATEHOLDERS	 89
	 	 
	Section
    8.01	Limitation
    on Rights of Holders	 89
	Section
    8.02	Access
    to List of Holders	 90
	Section
    8.03	Acts
    of Holders of Certificates	 90
	 	 	 
	ARTICLE
    IX ADMINISTRATION AND SERVICING OF MORTGAGE LOANS BY THE MASTER SERVICER	 91
	 	 
	Section 9.01	Duties
    of the Master Servicer; Enforcement of Servicer’s and Master Servicer’s Obligations	 91
	Section 9.02	Assumption
    of Master Servicing by Trustee	 93
	Section 9.03	Representations,
    Warranties and Covenants of the Master Servicer	 94
	Section 9.04	Compensation
    to the Master Servicer	 96
	Section 9.05	Merger
    or Consolidation	 96
	Section 9.06	Resignation
    of Master Servicer	 96
	Section 9.07	Assignment
    or Delegation of Duties by the Master Servicer	97
	Section 9.08	Limitation
    on Liability of the Master Servicer and Others	 97
	Section 9.09	Indemnification;
    Third-Party Claims	 97
	Section 9.10	Master
    Servicer Fidelity Bond and Master Servicer Errors and Omissions Insurance Policy	 98
	 	 	 
	ARTICLE
    X REMIC ADMINISTRATION	 98
	 	 
	Section
    10.01	REMIC
    Administration	 98
	Section
    10.02	Prohibited
    Transactions and Activities	 100
	Section
    10.03	Indemnification
    With Respect to Prohibited Transactions or Loss of REMIC Status	 100
	Section 10.04	REO
    Property	 100

 

    	3

    	 

    
 

	ARTICLE
    XI MISCELLANEOUS PROVISIONS	 101
	 	 
	Section
    11.01	Binding
    Nature of Agreement; Assignment	 101
	Section
    11.02	Entire
    Agreement	 101
	Section
    11.03	Amendment	 101
	Section
    11.04	Voting
    Rights	 103
	Section
    11.05	Provision
    of Information	 103
	Section
    11.06	Governing
    Law	 103
	Section
    11.07	Notices	 103
	Section
    11.08	Severability
    of Provisions	 105
	Section
    11.09	Indulgences;
    No Waivers	 105
	Section
    11.10	Headings
    Not to Affect Interpretation	 105
	Section
    11.11	Benefits
    of Agreement	 105
	Section
    11.12	Special
    Notices to the Rating Agencies	 106
	Section
    11.13	Conflicts	 107
	Section
    11.14	Counterparts	 107
	Section
    11.15	No
    Petitions	 107

 

ATTACHMENTS

 

	Exhibit A	Forms of Certificates
	Exhibit B	Form of Residual Certificate Transfer Affidavit (Transferee)
	Exhibit C	Residual Certificate Transfer Affidavit (Transferor)
	Exhibit D	Form of Custodial Agreement
	Exhibit E-1	Form of Rule 144A Transfer Certificate
	Exhibit E-2	Form of Purchaser’s Letter for Qualified Institutional
    Buyer
	Exhibit F	Form of Purchaser’s Letter for Institutional
    Accredited Investor
	Exhibit G	Form of ERISA Transfer Affidavit
	Exhibit H-1	List of Purchase Agreements 
	Exhibit H-2	List of Servicing Agreements
	Exhibit I	Additional Disclosure Notification
	Exhibit J	Back-Up Certificate to Form 10-K Certificate
	Exhibit K	Servicing Criteria to Be Addressed in Assessment
    of Compliance
	Exhibit L	Additional Form 10-D Disclosure
	Exhibit M	Additional Form 10-K Disclosure
	Exhibit N	Additional Form 8-K Disclosure
	Exhibit O	Form of Certification for NRSROs and Depositor

 
  

Schedule
AMortgage Loan Schedule

 

    	4

    	 

    

 

This POOLING
AND SERVICING AGREEMENT, dated as of January 1, 2013 (the “Agreement”), by and among SEQUOIA RESIDENTIAL FUNDING,
INC., a Delaware corporation, as depositor (the “Depositor”), CHRISTIANA TRUST, A DIVISION OF WILMINGTON SAVINGS FUND
SOCIETY, FSB, a federal savings bank, as trustee (the “Trustee”), and WELLS FARGO BANK, N.A., a national banking association,
in its dual capacities as master servicer (the “Master Servicer”) and securities administrator (the “Securities
Administrator”).

 

PRELIMINARY
STATEMENT

 

The Depositor
has acquired the Mortgage Loans from the Seller and at the Closing Date is the owner of the Mortgage Loans and related property
being conveyed by the Depositor to the Trustee hereunder for inclusion in the Trust Fund.  On the Closing Date, the
Depositor will acquire the Certificates from the Trustee as consideration for the Depositor’s transfer to the Trust Fund
of the Mortgage Loans, and the other property constituting the Trust Fund.  The Depositor has duly authorized the execution
and delivery of this Agreement to provide for the conveyance to the Trustee of the Mortgage Loans and the related property constituting
the Trust Fund.  All covenants and agreements made by the Seller in the Mortgage Loan Purchase and Sale Agreement, each
Purchase Agreement, each Servicing Agreement and in this Agreement and by the Depositor, the Master Servicer, the Securities Administrator
and the Trustee herein, with respect to the Mortgage Loans and the other property constituting the Trust Fund, are for the benefit
of the Holders from time to time of the Certificates.  The Depositor, the Master Servicer, the Securities Administrator
and the Trustee are entering into this Agreement, and the Trustee is accepting the Trust Fund created hereby, for good and valuable
consideration, the receipt and sufficiency of which are hereby acknowledged.

 

As provided
herein, the Trustee, at the direction of the Securities Administrator, shall elect that the Trust Fund be treated for federal
income tax purposes as comprising three real estate mortgage investment conduits (each, a “REMIC” or, in the alternative,
the “Lower-Tier REMIC,” the “Middle-Tier REMIC” and the “Upper-Tier REMIC,” respectively).
Each Certificate, other than the Class R Certificate and Class LT-R Certificate, is hereby designated as a regular interest in
the Upper-Tier REMIC, as described herein. The Class R Certificate represents and is hereby designated as the sole class of residual
interest in the Upper-Tier REMIC.

 

The Class LT-R
Certificate evidences ownership of each of the sole class of residual interest in the Lower-Tier REMIC (the “LT-R Interest”)
and the sole class of residual interest in the Middle-Tier REMIC (the “MT-R Interest”). The Lower-Tier REMIC shall
hold as its assets all property of the Trust Fund, other than the interests in any REMIC formed hereby. Each Lower-Tier Interest
other than the LT-R Interest shall be uncertificated and is hereby designated as a regular interest in the Lower-Tier REMIC and
the LT-R Interest is hereby designated as the sole Class of residual interest in the Lower-Tier REMIC.

 

The Middle-Tier
REMIC shall hold as its assets the Lower-Tier Interests other than the LT-R Interest. Each Middle-Tier Interest other than the
MT-R Interest shall be uncertificated and is hereby designated as a regular interest in the Middle-Tier REMIC and the MT-R Interest
is hereby designated as the sole Class of residual interest in the Middle-Tier REMIC.

 

The Upper-Tier
REMIC shall hold as its assets the Middle-Tier Interests other than the MT-R Interest. The REMICs shall be administered for tax
purposes as provided in this Preliminary Statement and in Article X.

 

    	5

    	 

    

 

The Lower-Tier
REMIC Interests

 

The following
table sets forth (or describes) the Class designation, interest rate, and initial Class Principal Amount for each Class of Lower-Tier
Interests:

 

	Lower-Tier

        REMIC
        Interest

        Designation
	 	 

         Interest
        Rate
	 	Initial
                                                                                     Class

        Principal
        

Amount
	 	Corresponding

    Pool
	LT-Y1	 	(1)	 	(3)	 	Pool 1
	LT-Y2	 	(2)	 	(4)	 	Pool 2
	LT-Z1	 	(1)	 	(5)	 	Pool 1
	LT-Z2	 	(2)	 	(6)	 	Pool 2
	LT-R 	 	(7)	 	(7)	 	Pool 1 & Pool 2
	 	 	 	 	 	 	 

(1)        The interest
rate with respect to any Distribution Date (and the related Accrual Period) for this Lower-Tier Interest shall be a per annum
rate equal to the Net WAC Rate for Pool 1 for such Distribution Date.

 

(2)        The interest
rate with respect to any Distribution Date (and the related Accrual Period) for this Lower-Tier Interest shall be a per annum
rate equal to the Net WAC Rate for Pool 2 for such Distribution Date.

 

(3)        This
interest has an initial Class Principal Amount equal to the product of (i) 0.5 and (ii) an amount equal to the initial Subordinated
Percentage multiplied by the Aggregate Stated Principal Balance of Pool 1 as of the Cut-off Date.

 

(4)        This
interest has an initial Class Principal Amount equal to the product of (i) 0.5 and (ii) an amount equal to the initial Subordinated
Percentage multiplied by the Aggregate Stated Principal Balance of Pool 2 as of the Cut-off Date.

 

(5)        This
interest has an initial Class Principal Amount equal to the excess of the Aggregate Stated Principal Balance of Pool 1 as of the
Cut-off Date over the initial Class Principal Amount of the Class LT-Y1 Interest.

 

(6)        This
interest has an initial Class Principal Amount equal to the excess of the Aggregate Stated Principal Balance of Pool 2 as of the
Cut-off Date over the initial Class Principal Amount of the Class LT-Y2 Interest.

 

(7)        The LT-R
Interest is the sole class of residual interest in the Lower-Tier REMIC. It has an initial Class Principal Balance of zero and
does not bear interest.

 

On each Distribution
Date, the Available Distribution Amount distributable as interest shall be deemed to have been distributed as interest with respect
to the Lower-Tier Interests based on the applicable interest rate described above having accrued on the Class Principal Amount
for the related Lower-Tier Interest immediately before such Distribution Date. On each Distribution Date, Interest Shortfalls
shall be allocated among the Lower-Tier Interests in the same proportion that interest has accrued on such Lower-Tier Interests.

 

On each Distribution
Date, the remaining Available Distribution Amount distributable with respect to principal shall be deemed to have been distributed
to the Lower-Tier Interests as follows:

 

    	6

    	 

    
 

(i)        An amount
equal to the Lower-Tier REMIC Y Principal Distribution Amount shall be distributed to the LT-Y1 and LT-Y2 Interests, and allocated
among them in accordance with such definition.

 

(ii)        An amount
equal to the Lower-Tier REMIC Z Principal Distribution Amount shall be distributed to the LT-Z1 and LT-Z2 Interests, and allocated
among them in accordance with such definition.

 

In addition,
on each Distribution Date, Realized Losses and Certificate Writedown Amounts shall be allocated to each Lower-Tier Interest in
accordance with the definition of Lower-Tier REMIC Realized Losses.

 

The Middle-Tier
REMIC Interests

 

The following
table sets forth (or describes) the Class designation, interest rate, and initial Class Principal Amount for each Class of Middle-Tier
Interests:

 

	Middle-Tier

        REMIC
        Interest

        Designation
	 	 

         Interest
        Rate
	 	Initial
                                                                                     Class

        Principal

        Amount
	 	Corresponding

    Class of 

Certificate(s)	Corresponding
    

Pool
	MT-A1	 	(1)	 	(4)	 	1-A1, 1-AX	Pool 1
	MT-A2	 	(2)	 	(4)	 	2-A1, 2-AX	Pool 2
	MT-B	 	(3)	 	(4)	 	B-1, B-2,

    B -3,B-4, B-5	Pool 1 & Pool 2
	MT-R 	 	(5)	 	(5)	 	N/A	Pool 1 & Pool 2

 

 

 

	(1)	The interest
                           rate with respect to any Distribution Date (and the related Accrual Period) for this Middle-Tier Interest
                           will be a per annum rate equal to the Net WAC Rate for Pool 1 for such Distribution Date.

         

	(2)	The interest rate with respect
        to any Distribution Date (and the related Accrual Period) for this Middle-Tier Interest will be a per annum rate equal
        to the Net WAC Rate for Pool 2 for such Distribution Date.

         

	(3)	The interest rate with respect to any Distribution
Date (and the related Accrual Period) for this Middle-Tier Interest will be a per annum rate equal to the Net WAC Rate, which
represents the weighted average of the rates on the LT-Y1 Interest and LT-Y2 Interest.
	 	 
	 (4)	This interest has an initial
        Class Principal Amount equal to the aggregate initial Class Principal Amount of its Corresponding Class(es) of Certificates
        (other than any interest-only certificates).

         

	(5)	Amounts allocated to the Class LT-R Interest pursuant
    to Sections 5.02(a)(vi) and 5.02(d) shall be excluded from the Available Distribution Amount for the Middle-Tier REMIC. The
    MT-R Interest is the sole class of residual interest in the Middle-Tier REMIC. It has an initial Class Principal Balance of
    zero and does not bear interest. 

 

On each Distribution
Date, the Available Distribution Amount distributable as interest shall be deemed to have been distributed as interest with respect
to the Middle-Tier Interests based on the applicable interest rate described above having accrued on the Class Principal Amount
for the related Middle-Tier Interest immediately before such Distribution Date. On each Distribution Date, Interest Shortfalls
shall be allocated to each Middle-Tier Interest to the same extent that such Interest Shortfalls are allocated to the Corresponding
Class(es) of Certificates.

 

    	7

    	 

    
 

On each Distribution
Date, the remaining Available Distribution Amount distributable with respect to principal shall be deemed to have been distributed
to the Middle-Tier Interests as follows:

 

	 	(i)	first,
                           an amount equal to the remaining Available Distribution Amount for Pool 1 plus any Available Distribution
                           Amount for Pool 2 that has been reallocated to Pool 1 pursuant to Section 5.02(h) or as a Principal
                           Transfer Amount pursuant to Section 5.02(i), to the Middle-Tier Interest MT-A1 until its Class Principal
                           Amount equals the Class Principal Amount of the Class 1-A1 Certificate immediately after taking account
                           of the distributions to such Class of Certificates pursuant to Section 5.02;

         

	 	(ii)	second,
        an amount equal to the remaining Available Distribution Amount for Pool 2 plus any Available Distribution Amount
        for Pool 1 that has been reallocated to Pool 2 pursuant to Section 5.02(h) or as a Principal Transfer Amount pursuant
        to Section 5.02(i), to the Middle-Tier Interest MT-A2, until its Class Principal Amount equals the Class Principal Amount
        of the Class 2-A1 Certificate immediately after taking account of the distributions to such Class of Certificates pursuant
        to Section 5.02;

         

	 	(iii)	third,
        from the remaining Available Distribution Amount for Pool 1 and Pool 2, to the MT-B Interest until its Class Principal
        Amount equals the sum of the Class Principal Amounts for the Class B-1, B-2, B-3, B-4 and B-5 Certificates immediately
        after taking account of the distributions to such Classes of Certificates pursuant to Section 5.02; and

         

	 	(iv)	finally,
    to the MT-R Interest, any remaining amounts.

 

On each Distribution
Date, Realized Losses, Certificate Writedown Amounts and Subsequent Recoveries shall be allocated to each Middle-Tier Interest
as further provided in Sections 5.03(f) and (g).

 

The Certificates
and the Upper-Tier REMIC

 

The following
table sets forth (or describes) the Class designation, Certificate Interest Rate, initial Class Principal Amount (or initial Class
Notional Amount) and minimum denomination for each Class of Certificates comprising interests in the Trust Fund created hereunder.
The Class 1-A1, Class 1-AX, Class 2-A1, Class 2-AX, Class B-1, Class B-2, Class B-3, Class B-4 and Class B-5 Certificates
represent regular interests in the Upper-Tier REMIC; the Class R Certificate represents the sole class of residual interest in
the Upper-Tier REMIC. The Class LT-R Certificate evidences each of the sole class of residual interest in the Middle-Tier REMIC
and the sole class of residual interest in the Lower-Tier REMIC and does not represent an interest in the Upper-Tier REMIC.

  

	Class

 Designation	 	Certificate 
Interest Rate	 	 	Initial 
Class Principal 

Amount or

 Class Notional

 Amount	 	 	Minimum 
Denominations or 

Percentage Interest	 
	Class 1-A1	 	 	(1)	 	 	$	151,646,000	 	 	$	100,000	 
	Class 1-AX	 	 	(2)	 	 	 	(3	)	 	$	1,000,000	 
	Class 2-A1	 	 	(4)	 	 	$	217,189,000	 	 	$	100,000	 
	Class 2-AX	 	 	(5)	 	 	 	(6	)	 	$	1,000,000	 
	Class B-1	 	 	(7)	 	 	$	10,146,000	 	 	$	100,000	 
	Class B-2	 	 	(7)	 	 	$	6,764,000	 	 	$	100,000	 
	Class B-3	 	 	(7)	 	 	$	4,576,000	 	 	$	100,000	 
	Class B-4	 	 	(7)	 	 	$	3,382,000	 	 	$	100,000	 
	Class B-5	 	 	(7)	 	 	$	4,178,279	 	 	$	100,000	 
	Class R	 	 	(8)	 	 	 	(8)		 	 	100	%

	

 

    	8

    	 

    
 

 

	(1)	The Certificate
Interest Rate of the Class 1-A1 Certificates will be an annual rate equal to the lesser of (a) 1.450% and (b) the Net WAC Rate
for Pool 1. 

	 	 
	(2)	The Certificate Interest
Rate of the Class 1-AX Certificates will be an annual rate equal to the excess, if any, of the Net WAC Rate for Pool 1 over 1.450%. 

	 	 
	(3)	The
Class 1-AX Certificate is an interest only Certificate and for any Distribution Date the Class Notional Amount of the Class 1-AX
Certificates is equal to the Class Principal Amount of the Class 1-A1 Certificates immediately before such Distribution Date.  The
initial Class Notional Amount of the Class 1-AX Certificates is $151,646,000. 

	 	 
	(4)	The Certificate Interest Rate on the Class 2-A1 Certificates
    will be an annual rate equal to the lesser of (i) 1.855% and (ii) the Net WAC Rate for Pool 2.

 

	(5)	The Certificate Interest Rate of the Class 2-AX Certificates
    will be an annual rate equal to the excess, if any, of the Net WAC Rate for Pool 2 over 1.855%. 

 

	(6)	The
                           Class 2-AX Certificate is an interest only Certificate and for any Distribution Date the Class Notional
                           Amount of the Class 2-AX Certificates is equal to the Class Principal Amount of the Class 2-A1 Certificates
                           immediately before such Distribution Date.  The initial Class Notional Amount of the Class
                           2-AX Certificates is $217,189,000.

         

	(7) 	The Certificate Interest
        Rate on this Class of Certificates will be an annual rate equal to the Aggregate Net WAC Rate, which represents a pass
        through of the interest rate on the MT-B Interest.

         

	(8)	Amounts allocated to the Class MT-R Interest pursuant
    to Sections 5.02(a)(vi) and 5.02(d) shall be excluded from the Available Distribution Amount for the Upper-Tier REMIC. The
    initial Class Principal Balance for the Class R Certificate is zero and it does not bear interest.

 

As of the Cut-off
Date, the Mortgage Loans had an Aggregate Stated Principal Balance of $397,881,279.50.

 

In consideration
of the mutual agreements herein contained, the Depositor, the Master Servicer, the Securities Administrator and the Trustee hereby
agree as follows.

  

ARTICLE I

DEFINITIONS

 

Section
1.01         Definitions.  The following words and phrases, unless the
context otherwise requires, shall have the following meanings:

 

10-K
Filing Deadline:  As defined in Section 6.21(b)(i) hereof.

  

Accepted
Master Servicing Practices:  With respect to any Mortgage Loan, those mortgage master servicing practices
of prudent mortgage master servicing institutions which master service mortgage loans of the same type as such Mortgage Loan in
the jurisdiction where the related Mortgaged Property is located.

 

    	9

    	 

    
 

Accountant:  A
Person engaged in the practice of accounting who (except when this Agreement provides that an Accountant must be Independent) may
be employed by or affiliated with the Depositor or an Affiliate of the Depositor.

 

Accountant’s
Attestation:  As defined in Section 6.24.

 

Accrual
Period:  With respect to any Distribution Date and for each Class of Certificates, the calendar month preceding
the month in which the Distribution Date occurs.  Interest shall accrue on all Classes of Certificates and on all Lower-Tier
Interests on the basis of a 360-day year consisting of twelve 30-day months.

 

Acknowledgements:  The
Assignment of Representations and Warranties Agreements and the Assignment, Assumption and Recognition Agreements, each dated January
15, 2013, assigning rights under the Purchase Agreements and the Servicing Agreements, respectively, from the Seller to the Depositor
and from the Depositor to the Trustee, for the benefit of the Certificateholders, acknowledged by the Master Servicer, and providing
certain rights to the Controlling Holder.

 

Additional
Form 10-D Disclosure:  As defined in Section 6.21(a)(i).

 

Additional
Form 10-K Disclosure:  As defined in Section 6.21(b)(i).

 

Additional
Servicer: Each affiliate of a Servicer that services any of the Mortgage Loans and each Person who is not an affiliate
of the Depositor or a Servicer, who services 10% or more of the Mortgage Loans (measured by aggregate Stated Principal Balance
of the Mortgage Loans annually at the commencement of the calendar year prior to the year in which an Item 1123 Certificate is
required to be delivered). For clarification purposes, the Master Servicer and the Securities Administrator are Additional Servicers.

 

Advance:  The
payments required to be made by the Master Servicer or the applicable Servicer (other than Cenlar FSB) or the Servicing Administrator
with respect to any Distribution Date pursuant to this Agreement or the Servicing Agreements, as applicable, the amount of any
such payment being equal to the aggregate of the payments of principal and interest (net of the Master Servicing Fee and the applicable
Servicing Fee) on the Mortgage Loans that were due on the related Due Date and not received as of the close of business on the
related Determination Date, less the aggregate amount of any such delinquent payments that the Master Servicer, the applicable
Servicer (other than Cenlar FSB) or the Servicing Administrator have determined would constitute Nonrecoverable Advances if advanced.

 

Adverse
REMIC Event:  Either (i) loss of status as a REMIC, within the meaning of Section 860D of the Code, for
any group of assets identified as a REMIC in the Preliminary Statement to this Agreement, or (ii) imposition of any tax, including
the tax imposed under Section 860F(a)(1) on prohibited transactions, and the tax imposed under Section 860G(d) on certain contributions
to a REMIC, on any REMIC created hereunder to the extent such tax would be payable from assets held as part of the Trust Fund.

 

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.

 

 Aggregate
Expense Rate:  The sum of the Master Servicing Fee Rate and the applicable Servicing Fee Rate.

 

    	10

    	 

    

 

Aggregate
Net WAC Rate: With respect to the Mortgage Pools in the aggregate and any Distribution Date, the weighted average of
the Net WAC Rate for each Mortgage Pool, weighted on the basis of the Pool Subordinate Amount for such Mortgage Pool, immediately
prior to such Distribution Date.

 

Aggregate
Stated Principal Balance:  As to any Distribution Date, the aggregate of the Stated Principal Balances for
all Mortgage Loans (or, with respect to any Mortgage Pool, all Mortgage Loans in such Mortgage Pool) that were outstanding as of
the most recent Due Date.

 

Aggregate
Subordinate Percentage: As to any Distribution Date, the percentage equivalent of a fraction, the numerator of which
is the aggregate Class Principal Amount of the Subordinate Certificates prior to any distributions of principal or allocations
of Realized Losses on such Distribution Date, and the denominator of which is the aggregate Stated Principal Balance of all of
the Mortgage Loans as of the preceding Distribution Date. The initial Aggregate Subordinate Percentage is 7.30%.

 

Aggregate
Voting Interests:  The aggregate of the Voting Interests of all the Certificates under this Agreement.

 

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

 

Applicable
Credit Support Percentage:  As to any Class of Subordinate Certificates and any Distribution Date, the sum
of the Class Subordination Percentage of such Class and the aggregate of the Class Subordination Percentages of all other Classes
(if any) of Subordinate Certificates having lower payment priorities than such Class.

 

Apportioned
Principal Balance: As to any Class of Subordinate Certificates and any Distribution Date, the Class Principal Amount
of that Class of Subordinate Certificates prior to distributions of principal or allocations of Realized Losses on such Distribution
Date multiplied by a fraction, the numerator of which is the applicable Pool Subordinate Amount for that date and the denominator
of which is the sum of the Pool Subordinate Amounts (in the aggregate) for that date.

 

Appraised
Value:  With respect to any Mortgage Loan, the Appraised Value of the related Mortgaged Property shall be
the lesser of:  (i) the value (or the Reconciled Market Value if more than one appraisal is received) thereof as determined
by a Qualified Appraiser at the time of origination of the Mortgage Loan, and (ii) the purchase price paid for the related Mortgaged
Property by the Mortgagor with the proceeds of the Mortgage Loan; provided, however, that in the case of a Refinancing Mortgage
Loan, such value (or the Reconciled Market Value if more than one appraisal is received) of the Mortgaged Property is based solely
upon the value determined by an appraisal or appraisals made for the originator of such Refinancing Mortgage Loan at the time of
origination of such Refinancing Mortgage Loan by a Qualified Appraiser.

 

Appraiser
Independence Requirements: The Appraiser Independence Requirements effective as of October 15, 2010, as amended and
in effect from time to time.

 

Assessment
of Compliance:  As defined in Section 6.23(a).

 

Authenticating
Agent:  Any authenticating agent appointed by the Trustee pursuant to Section 6.10 until any successor
authenticating agent for the Certificates is named, and thereafter  “Authenticating Agent” shall mean any
such successor.  The initial Authenticating Agent shall be the Securities Administrator under this Agreement.

 

Authorized
Officer:  Any Person who may execute an Officer’s Certificate on behalf of the Depositor or the Servicing
Administrator, as applicable.

 

    	11

    	 

    
 

Available
Distribution Amount:  With respect to any Distribution Date and any Mortgage Pool, the sum of the following
amounts with respect to the Mortgage Loans included in the applicable Mortgage Pool: (i) all scheduled payments of interest (net
of the Servicing Fees, the Servicing Administrator Fee and the Master Servicing Fee) and principal due during the related Due Period,
together with any Advances in respect thereof; (ii) Insurance Proceeds received during the related Prepayment Period; (iii)
Liquidation Proceeds received during the related Prepayment Period (net of unreimbursed expenses incurred in connection with a
liquidation or foreclosure and unreimbursed Advances and Servicing Advances, if any); (iv) Subsequent Recoveries received during
the related Prepayment Period; (v) all Principal Prepayments, together with any accrued interest thereon, identified as having
been received on the Mortgage Loans during the related Prepayment Period, plus any amounts received from the Servicers (other than
Cenlar FSB), the Servicing Administrator or the Master Servicer in respect of Prepayment Interest Shortfalls on such Mortgage Loans;
(vi) amounts received with respect to such Distribution Date as the Substitution Amount and the Repurchase Price in respect of
a Deleted Mortgage Loan or a Mortgage Loan purchased by an Originator or the Seller as of such Distribution Date as a result of
a breach of a representation or warranty; and (vii) the Clean-up Call Price paid by the Master Servicer to purchase the Mortgage
Loans and terminate the Trust Fund, if applicable; minus

 

(A) amounts applied to reimburse Advances
and Servicing Advances previously made and other amounts as to which the Servicers (other than Cenlar FSB) and the Servicing Administrator
are entitled to be reimbursed pursuant to the Servicing Agreements; (B) amounts applied to reimburse Advances and Servicing
Advances previously made as to which the Master Servicer is entitled to be reimbursed pursuant to this Agreement; and (C) an amount
equal to the sum of all related fees, charges and other costs, including indemnification amounts and costs of arbitration (other
than the Master Servicing Fee and amounts required to be paid by the Master Servicer from the Master Servicing Fee) payable or
reimbursable to the Master Servicer, the Securities Administrator and the Trustee from the Trust Fund under this Agreement and
the Custodian under the Custodial Agreement, that are allocable to the related Mortgage Pool or, if such fees, charges and costs
are not allocable to a specific Mortgage Pool, the applicable Pool Percentage multiplied by the sum of such fees, charges and costs,
subject to an aggregate maximum amount of $300,000 annually (per year from the Closing Date to the first anniversary of the Closing
Date and each subsequent anniversary year thereafter) to be paid to such parties collectively, whether from collections from Pool
1 or Pool 2, in the order claims for payment of such amounts are received by the Securities Administrator; provided, however, that
if a claim is presented for an amount that, when combined with the amount of prior claims paid during that year, would exceed $300,000,
then only a portion of such claim will be paid that will make the total amount paid during that year equal to $300,000 and the
excess remaining unpaid, together with any additional claims received during that year, will be deferred until the following anniversary
year and if the total amount of such deferred claims exceeds $300,000 then payment in such following anniversary year (and each
subsequent anniversary year as may be needed until such deferred claims are paid in full) shall be apportioned among the Master
Servicer, the Securities Administrator, the Custodian and the Trustee, in proportion to the aggregate amount of deferred claims
submitted by such entity as of the last day of the prior year; provided that, in no event will the aggregate amount reimbursable
to the Trustee exceed $125,000 annually (per year from the Closing Date to the first anniversary of the Closing Date and each subsequent
anniversary year thereafter).

 

Back-Up
Certificate:  As defined in Section 6.21(e).

 

Bankruptcy:  As
to any Person, the making of an assignment for the benefit of creditors, the filing of a voluntary petition in bankruptcy, adjudication
as a bankrupt or insolvent, the entry of an order for relief in a bankruptcy or insolvency proceeding, the seeking of reorganization,
arrangement, composition, readjustment, liquidation, dissolution or similar relief, or seeking, consenting to or acquiescing in
the appointment of a trustee, receiver or liquidator, dissolution, or termination, as the case may be, of such Person pursuant
to the provisions of either the Bankruptcy Code or any other similar state laws.

 

Bankruptcy
Code:  The United States Bankruptcy Code, as amended.

 

    	12

    	 

    
 

Benefit
Plan Opinion:  An Opinion of Counsel satisfactory to the Certificate Registrar, the Depositor and the Trustee
to the effect that any proposed transfer will not (i) cause the assets of the Trust Fund to be regarded as plan assets for purposes
of the Plan Asset Regulations or (ii) give rise to any fiduciary duty on the part of the Depositor or the Trustee.

 

Book-Entry
Certificates:  Beneficial interests in Certificates designated as “Book-Entry Certificates” in
this Agreement, ownership and transfers of which shall be evidenced or made through book entries by a Clearing Agency as described
in Section 3.09; provided, that after the occurrence of a Book-Entry Termination whereupon book-entry registration
and transfer are no longer permitted and Definitive Certificates are to be issued to Certificate Owners, such Book-Entry Certificates
shall no longer be “Book-Entry Certificates.”  As of the Closing Date, the following Classes of Certificates
constitute Book-Entry Certificates:  Class 1-A1, Class 1-AX, Class 2-A1, Class 2-AX, Class B-1, Class B-2 and Class B-3.

 

Book-Entry Termination:  As
defined in Section 3.09(c).

 

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

 

Certificate:  Any
one of the certificates signed by the Trustee and authenticated by the Securities Administrator as Authenticating Agent in substantially
the forms attached hereto as Exhibit A.

 

Certificate
Group:  Each of the Pool 1 Certificates and the Pool 2 Certificates.

 

Certificate
Interest Rate:  With respect to each Class of Certificates and any Distribution Date, the applicable per annum
rate described in the Preliminary Statement to this Agreement.

 

Certificate
Owner:  With respect to a Book-Entry Certificate, the Person who is the owner of such Book-Entry Certificate,
as reflected on the books of the Clearing Agency, or on the books of a Person maintaining an account with such Clearing Agency
(directly or as an indirect participant, in accordance with the rules of such Clearing Agency).

 

Certificate
Principal Amount:  With respect to any Certificate (other than the Class 1-AX, Class 2-AX, Class R and Class
LT-R Certificates) and any Distribution Date, the maximum specified dollar amount of principal to which the Holder thereof is then
entitled hereunder, such amount being equal to the initial principal amount set forth on the face of such Certificate, less
(i) the amount of all principal distributions previously made with respect to such Certificate; (ii) the principal portion
of all Realized Losses previously allocated to such Certificate; and (iii) any Certificate Writedown Amount previously allocated
to such Certificate; provided, however, that on any Distribution Date on which a Subsequent Recovery is distributed, the
Certificate Principal Amount of any Certificate then outstanding to which a Certificate Writedown Amount or Realized Loss amount
has been applied will be increased sequentially, in order of seniority, by an amount equal to the lesser of (A) the principal portion
of any Certificate Writedown Amount or Realized Loss amount previously allocated to that Certificate to the extent not previously
recovered and (B) the principal portion of any Subsequent Recovery allocable to such Certificate after application (for this purpose)
to more senior Classes of Certificates pursuant to this Agreement; and provided further that on any Distribution Date on
which the Aggregate Stated Principal Balance of the Mortgage Loans exceeds the aggregate Certificate Principal Amount, such excess
(including any excess attributable to the allocation of Principal Forbearance Amounts) will be allocated to increase the Certificate
Principal Amount of any Certificate then outstanding to which a Certificate Writedown Amount or Realized Loss amount has previously
been allocated, sequentially in order of seniority (and with respect to the Class 1-A1 Certificates and the Class 2-A1 Certificates,
to the Class of Certificates related to the Mortgage Pool that sustained such Certificate Writedown Amount or Realized Losses),
up to the principal amount of such Certificate Writedown Amount or Realized Loss to the extent not previously recovered. The Class
1-AX, Class 2-AX, Class R and Class LT-R Certificates are issued without Certificate Principal Amounts.

 

    	13

    	 

    
 

Certificate
Register and Certificate Registrar:  The register maintained and the registrar appointed pursuant to Section
3.02.  The Securities Administrator will act as the initial Certificate Registrar.

 

Certificate
Writedown Amount:  (a) With respect to any allocation thereof to a Class of Subordinate Certificates, the
amount by which the aggregate Certificate Principal Amount of all the Certificates (other than the Class 1-AX, Class 2-AX, Class
R and Class LT-R Certificates) on any Distribution Date (after giving effect to distributions of principal and allocations of Realized
Losses on that Distribution Date) exceeds the Aggregate Stated Principal Balance of the Mortgage Loans for the Distribution Date
and (b) with respect to any allocation thereof to a Class of Senior Certificates after the Credit Support Depletion Date, the amount
of the principal portion of the Realized Losses for the related Mortgage Pool.

 

Certificateholder:  The
meaning provided in the definition of “Holder.”

 

Certification:  As
defined in the Custodial Agreement.

 

Civil
Relief Act:  The Servicemembers Civil Relief Act, as amended, or any similar state or local law.

 

Class:  Collectively,
Certificates bearing the same class designation.  In the case of the Lower-Tier REMIC, the term “Class” refers
to all Lower-Tier Interests having the same alphanumeric designation.

 

Class
LT-R Certificate:  The Class LT-R Certificate executed by the Trustee and authenticated and delivered by the
Authenticating Agent, substantially in the form annexed as Exhibit A and evidencing ownership of the LT-R Interest and the MT-R
Interest.

 

Class
R Certificate:  The Class R Certificate executed by the Trustee, and authenticated and delivered by the Authenticating
Agent, substantially in the form annexed hereto as Exhibit A, and evidencing the ownership of the sole residual interest in the
Upper-Tier REMIC.

 

Class
Notional Amount:  With respect to the Interest-Only Certificates, the applicable class notional amount calculated
as provided in the Preliminary Statement to this Agreement.

 

Class
Principal Amount: With respect to each Class of Certificates (other than the Class 1-AX, Class 2-AX, Class R and Class
LT-R Certificates), the aggregate of the Certificate Principal Amounts of all Certificates of such Class at the date of determination.
With respect to each Middle-Tier Interest, the initial Class Principal Amount as shown or described in the table set forth in the
Preliminary Statement to this Agreement for the Middle-Tier REMIC, as reduced by principal distributed with respect to such Middle-Tier
Interest and Realized Losses or Certificate Writedown Amounts allocated to such Middle-Tier Interest at the date of determination.
With respect to each Lower-Tier Interest, the initial Class Principal Amount as shown or described in the table set forth in the
Preliminary Statement to this Agreement for the Lower-Tier REMIC, as reduced by principal distributed with respect to such Lower-Tier
Interest and Realized Losses or Certificate Writedown Amounts allocated to such Lower-Tier Interest at the date of determination.

 

Class
Subordination Percentage:  With respect to each Class of Subordinate Certificates, for each Distribution Date,
the percentage obtained by dividing the Class Principal Amount of such Class prior to any distributions of principal, allocations
of Realized Losses or allocations of Certificate Writedown Amounts on that Distribution Date by the aggregate of the Class Principal
Amounts of all Classes of Certificates (other than the Class 1-AX, Class 2-AX, Class R and Class LT-R Certificates) prior to any
distributions of principal, allocations of Realized Losses or allocations of Certificate Writedown Amounts on that Distribution
Date.

 

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Clean-up
Call:  The optional purchase of the Mortgage Loans and all property acquired in respect of any Mortgage Loan
remaining in the Trust Fund on any date on which the Aggregate Stated Principal Balance is less than 10% of the Aggregate Stated
Principal Balance as of the Cut-off Date, in accordance with Section 7.01(d) of this Agreement.

 

Clean-up
Call Price:  The price paid by the Master Servicer pursuant to Section 7.01(d) of this Agreement, which
is equal to the sum of (i) 100% of the aggregate outstanding principal balance of the Mortgage Loans plus accrued interest thereon,
to, but not including, the first day of the month in which the Clean-up Call Price is to be distributed and (ii) the fair market
value of any REO Property; provided, however, that such purchase price may be increased as is necessary, as determined by the Depositor,
to avoid disqualification of any REMIC created under this Agreement as a REMIC.

 

Clearing
Agency:  An organization registered as a “clearing agency” pursuant to Section 17A of the
Exchange Act.  As of the Closing Date, the Clearing Agency shall be The Depository Trust Company.

 

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

 

Closing
Date:  January 15, 2013.

 

Code:  The
Internal Revenue Code of 1986, as amended, and as it may be further amended from time to time, any successor statutes thereto,
and applicable U.S. Department of Treasury regulations issued pursuant thereto in temporary or final form.

 

Commission:  U.S.
Securities and Exchange Commission.

  

Controlling
Holder:  At any time, the Holder of the majority of the Class Principal Amount of the Class B-5 Certificates
or, if the Class Principal Amount of the Class B-5 Certificates has been reduced to zero, the holder of the majority of the Class
Principal Amount of the Class B-4 Certificates. If the Class Principal Amount of the Class B-4 Certificates has been reduced to
zero, then no entity will have any rights under this Agreement as a Controlling Holder. Neither the Depositor nor the Seller shall
be a Controlling Holder.

 

Cooperative
Corporation:  The entity that holds title (fee or an acceptable leasehold estate) to the real property and
improvements constituting the Cooperative Property and which governs the Cooperative Property, which Cooperative Corporation must
qualify as a Cooperative Housing Corporation under Section 216 of the Code.

 

Cooperative
Loan:  Any Mortgage Loan secured by Cooperative Shares and a Proprietary Lease.

 

Cooperative
Property:  The real property and improvements owned by the Cooperative Corporation, that includes the allocation
of individual dwelling units to the holders of the shares of the Cooperative Corporation.

 

Cooperative
Shares:  Shares issued by a Cooperative Corporation.

 

    	15

    	 

    
 

Corporate
Trust Office:  With respect to the Trustee, the corporate trust office of the Trustee located at 500 Delaware
Avenue, 11th Floor, Wilmington, Delaware, 19801, Attention: Corporate Trust - Sequoia Mortgage Trust 2013-1, or at such
other address as the Trustee may designate from time to time by notice to the Certificateholders, the Depositor, the Master Servicer
and the Securities Administrator or the principal corporate trust office of any successor Trustee.  With respect to the
Certificate Registrar and presentment of Certificates for registration of transfer, exchange or final payment, Sixth Street
and Marquette Avenue, Minneapolis, Minnesota 55479, Attention: Corporate Trust Services Sequoia Mortgage Trust 2013-1.

 

Corresponding
Class of Certificates:  With respect to each Lower-Tier Interest, the Class or Classes of Certificates appearing
opposite such Lower-Tier Interest, as described in the Preliminary Statement to this Agreement.

 

Credit
File Certification: As defined in the Custodial Agreement.

 

Credit
File Exception Report: As defined in the Custodial Agreement.

 

Credit
Support Depletion Date:  The first Distribution Date, if any, on which the aggregate of the Class Principal
Amounts of the Subordinate Certificates has been reduced to zero.

 

Current
Interest:  With respect to each Class of Certificates and any Distribution Date, the aggregate amount of interest
accrued at the applicable Certificate Interest Rate during the related Accrual Period on the Class Principal Amount or Class Notional
Amount, as applicable, of such Class prior to any distributions of principal, allocations of Realized Losses or allocations of
Certificate Writedown Amounts prior to such Distribution Date.

 

Custodial
Accounts:  Each Custodial Account (other than an Escrow Account) established and maintained by a Servicer
pursuant to a Servicing Agreement with respect to the Mortgage Loans.

 

Custodial
Agreement:  The Custodial Agreement, dated as of January 1, 2013, among the Depositor, the Seller, the Trustee,
Wells Fargo Bank, N.A., as Custodian and Wells Fargo Bank, N.A., as Master Servicer, as amended from time to time.  A
copy of the Custodial Agreement is attached hereto as Exhibit D.

 

Custodian:  A
Person who is at any time appointed by the Trustee as a custodian of all or a portion of the Mortgage Documents, the Trustee Mortgage
Files and the Trustee Credit Files and listed on the Mortgage Loan Schedule as the Custodian of such Mortgage Documents, Trustee
Mortgage Files and Trustee Credit Files.  The initial Custodian is Wells Fargo Bank, N.A.

 

Cut-off
Date:  January 1, 2013.

 

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

 

Defective
Mortgage Loan:  The meaning specified in Section 2.04.

 

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 indebtedness under the Mortgage Loan, or any reduction in the
amount of principal to be paid in connection with any Scheduled Payment that results in a permanent forgiveness of principal, which
valuation or reduction results from an order of such court which is final and non-appealable in a proceeding under the Bankruptcy
Code.

 

Definitive
Certificate:  A Certificate of any Class issued in definitive, fully registered, certificated form, which
shall initially be the Class B-4, Class B-5, Class LT-R and Class R Certificates.

 

    	16

    	 

    
 

Deleted
Mortgage Loan:  A Mortgage Loan replaced or to be replaced with a Qualified Substitute Mortgage Loan in accordance
with a Purchase Agreement or Servicing Agreement.

 

Delinquent:  Any
Mortgage Loan with respect to which the Scheduled Payment due on a Due Date is not received, based on the Mortgage Bankers Association
method of calculating delinquency.

 

Demand:
As defined in Section 4.04(a).

 

Depositor:  Sequoia
Residential Funding, Inc., a Delaware corporation having its principal place of business in California, or its successors in interest.

 

Determination
Date:  With respect to each Distribution Date, the 16th day of the month in which such Distribution Date occurs,
or, if such 16th day is not a Business Day, the next succeeding Business Day; provided, however, that with respect to a
Servicer and such Servicer's Advance obligations pursuant to the related Servicing Agreement, the Determination Date is the date
set forth in the related Servicing Agreement.

 

Disqualified
Organization:  A “disqualified organization” as defined in Section 860E(e)(5) of the Code.

 

Distribution
Account:  The separate Eligible Account created and maintained by the Securities Administrator, on behalf
of the Trustee, pursuant to Section 4.01.  Funds in the Distribution Account (exclusive of any earnings on investments
made with funds deposited in the Distribution Account) shall be held in trust for the Certificateholders for the uses and purposes
set forth in this Agreement.

 

Distribution
Date:  The 25th day of each month or, if such 25th day is not a Business Day, the next succeeding Business
Day, commencing in February 2013.

 

Distribution
Date Statement:  As defined in Section 4.02.

 

Due
Date:  With respect to any Mortgage Loan, the date on which a Scheduled Payment is due under the related Mortgage
Note as indicated in the applicable Servicing Agreement, exclusive of any days of grace.

 

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

 

Eligible
Account:  Any account or accounts maintained with a federal or state chartered depository institution or trust
company the short-term and long-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 debt obligations of such holding company) are rated in the highest
rating category of each Rating Agency with respect to short-term unsecured debt obligations and in one of the two highest rating
categories of each Rating Agency with respect to long-term unsecured debt obligations at the time any amounts are held on deposit
therein. Eligible Accounts may bear interest, and may include, if otherwise qualified under this definition, accounts maintained
with the Trustee or the Paying Agent.  If the rating of the short-term or long-term unsecured debt obligations of the
depository institution or trust company that maintains the account or accounts is no longer in the highest rating category of each
Rating Agency with respect to short-term unsecured debt obligations or in one of the two highest rating categories of each Rating
Agency with respect to long-term unsecured debt obligations, the funds on deposit therewith in connection with this transaction
shall be transferred to an Eligible Account within 30 days of such downgrade.

 

    	17

    	 

    
 

Eligible
Investments:  At any time, any one or more of the following obligations and securities:

 

(i)          direct
obligations of, and obligations fully guaranteed by the United States of America or any agency or instrumentality of the United
States of America the obligations of which are backed by the full faith and credit of the United States of America;

 

(ii)         (a)
demand or time deposits, federal funds or bankers’ acceptances issued by any depository institution or trust company incorporated
under the laws of the United States of America or any state thereof and subject to supervision and examination by federal and/or
state banking authorities, provided that the commercial paper and/or the short-term deposit rating and/or the long-term unsecured
debt obligations or deposits of such depository institution or trust company at the time of such investment or contractual commitment
providing for such investment are rated in the highest rating category by each Rating Agency for long-term unsecured debt with
a maturity of more than one year or in the highest rating category with respect to short-term obligations and (b) any other demand
or time deposit or certificate of deposit that is fully insured by the FDIC;

 

(iii)        repurchase
obligations with a term not to exceed thirty (30) days and with respect to any security described in clause (i) above and entered
into with a depository institution or trust company (acting as principal) described in clause (ii)(a) above;

 

(iv)        securities
bearing interest or sold at a discount issued by any corporation incorporated under the laws of the United States of America or
any state thereof that are rated in the highest rating category by each Rating Agency for long-term unsecured debt with a maturity
of more than one year or in the highest rating category with respect to short-term obligations, in each case at the time of such
investment or contractual commitment providing for such investment; provided, however, that securities issued by any particular
corporation will not be Eligible Investments to the extent that investments therein will cause the then outstanding principal amount
of securities issued by such corporation and held as Eligible Investments to exceed 10% of the aggregate outstanding principal
balances of all of the Mortgage Loans and Eligible Investments;

 

(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 one year after the date of issuance thereof) that is rated in the highest rating category by each Rating Agency
at the time of such investment; and

 

(vi)        any
money market funds rated in one of the two highest rating categories by each Rating Agency for long-term unsecured debt with a
maturity of more than one year or in the highest rating category with respect to short-term obligations, including any such fund
managed or advised by the Trustee or any of its Affiliates;

 

provided,
however, that no instrument or security shall be a Eligible Investment if such instrument or security evidences a right
to receive only interest payments with respect to the obligations underlying such instrument or if such security provides for payment
of both principal and interest with a yield to maturity in excess of 120% of the yield to maturity at par or if such instrument
or security is purchased at a price greater than par.

 

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

 

ERISA-Qualifying
Underwriting:  A best efforts or firm commitment underwriting or private placement that meets the requirements
of an Underwriter’s Exemption.

 

ERISA-Restricted
Certificate:  The Class B-1, Class B-2 and Class B-3 Certificates that have not been the subject of an ERISA-Qualifying
Underwriting, the Class B-4, Class B-5, Class R and Class LT-R Certificates and any Class 1-A1, Class 1-AX, Class 2-A1 or Class
2-AX Certificate (or Class B-1, Class B-2 or Class B-3 Certificate that has been underwritten) that does not satisfy the applicable
rating requirement under the Underwriter’s Exemption.

 

    	18

    	 

    
 

Escrow
Account:  As defined in Section 1.01 of each Servicing Agreement.

 

Event
of Default:  Any one of the conditions or circumstances enumerated in Section 6.14.

 

Exception
Report:  As defined in the Custodial Agreement.

 

Exchange
Act:  The Securities Exchange Act of 1934, as amended, and the rules and regulations thereunder.

 

Fannie
Mae:  Fannie Mae or any successor thereto.

 

FDIC:  The
Federal Deposit Insurance Corporation or any successor thereto.

 

FIRREA:  The
Financial Institutions Reform, Recovery, and Enforcement Act of 1989, as amended and in effect from time to time.

 

Fitch:  Fitch,
Inc., or any successor in interest.

 

Form
8-K Disclosure Information:  As defined in Section 6.21(c)(i).

 

Freddie
Mac:  Freddie Mac, or any successor thereto.

 

Holder
or Certificateholder:  The registered owner of any Certificate as recorded on the books of the Certificate
Registrar except that, solely for the purposes of taking any action or giving any consent pursuant to this Agreement, any Certificate
registered in the name of the Trustee, the Master Servicer, the Securities Administrator or either Servicer, or any Affiliate thereof
shall be deemed not to be outstanding in determining whether the requisite percentage necessary to take such action or effect such
consent has been obtained, and, in determining whether the Trustee shall be protected in taking such action or in relying upon
such consent, only Certificates which a Responsible Officer of the Trustee actually knows to be so owned shall be disregarded.  The
Trustee, the Certificate Registrar and the Securities Administrator may request and conclusively rely on certifications by the
Master Servicer, the Securities Administrator or either Servicer in determining whether any Certificates are registered to an Affiliate
of the Master Servicer, the Securities Administrator or either Servicer.

 

HUD:  The
United States Department of Housing and Urban Development, or any successor thereto.

 

Independent:  When
used with respect to any Accountants, a Person who is “independent” within the meaning of Rule 2-01(b) of the Securities
and Exchange Commission’s Regulation S-X.  When used with respect to any other Person, a Person who (a) is in fact
independent of another specified Person and any Affiliate of such other Person, (b) does not have any material direct financial
interest in such other Person or any Affiliate of such other Person, and (c) is not connected with such other Person or any Affiliate
of such other Person as an officer, employee, promoter, underwriter, trustee, partner, director or Person performing similar functions.

 

Insurance
Policy:  With respect to any Mortgage Loan, any insurance policy, including all names and endorsements thereto
in effect, including any replacement policy or policies for any Insurance Policies.

 

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Insurance
Proceeds:  Proceeds paid by any Insurance Policy (excluding proceeds required to be applied to the restoration
and repair of the related Mortgaged Property or released to the Mortgagor), in each case other than any amount included in such
Insurance Proceeds in respect of Insured Expenses.

 

Insured
Expenses:  Expenses covered by an Insurance Policy or any other insurance policy with respect to the Mortgage
Loans.

 

Interest
Distribution Amount:  For each Class of Certificates on any Distribution Date, the Current Interest for such
Class as reduced by such Class’s share of Net Prepayment Interest Shortfalls and Relief Act Shortfalls, which shall be allocated
to each Class on a pro rata basis based on the amount of Current Interest payable to each such Class.  

 

Interest-Only
Certificates:  The Class 1-AX and Class 2-AX Certificates.

 

Interest
Shortfall:  As to any Class of Certificates and any Distribution Date, the amount by which (i) the Interest
Distribution Amount for such Class on all prior Distribution Dates exceeds (ii) amounts distributed in respect of interest to such
Class on prior Distribution Dates.

  

Interest
Transfer Amount: With respect to any Distribution Date and for any Undercollateralized Group, an amount equal to one
month’s interest on the applicable Principal Transfer Amount at such Mortgage Pool’s Net WAC Rate, plus any shortfall
of interest on the Senior Certificates of such Undercollateralized Group from prior Distribution Dates.

 

Item
1123 Certificate:  As defined in Section 6.22.

 

KBRA:  Kroll
Bond Rating Agency, Inc., or any successor in interest.

 

Latest
Possible Maturity Date:  The Distribution Date occurring in February 2043.

 

Liquidated
Mortgage Loan:  With respect to any Distribution Date, a defaulted Mortgage Loan (including any REO Property)
as to which, prior to the close of business on the Business Day immediately preceding the Due Date, the applicable Servicer has
determined that all recoverable Liquidation Proceeds and Insurance Proceeds have been received.

 

Liquidation
Proceeds:  All cash amounts, including Insurance Proceeds, received in connection with the partial or complete
liquidation of defaulted Mortgage Loans, whether through trustee’s sale, foreclosure sale or otherwise or amounts received
in connection with any condemnation or partial release of a Mortgaged Property and any other net proceeds received in connection
with the disposition of an REO Property.

 

Loan-To-Value
Ratio:  With respect to any Mortgage Loan and as to any date of determination, the fraction (expressed as
a percentage) the numerator of which is the principal balance of the related Mortgage Loan at such date of determination and the
denominator of which is the Appraised Value of the related Mortgaged Property.

 

Lower-Tier
Interest:  Any one of the interests in the Lower-Tier REMIC as described in the Preliminary Statement to this
Agreement.

 

Lower-Tier
REMIC:  As described in the Preliminary Statement to this Agreement.

 

Lower-Tier
REMIC Realized Losses: Realized Losses and Certificate Writedown Amounts derived from Pool 1 and Pool 2 shall be allocated
(1) to the LT-Y1 and LT-Y2 as provided for in the definition of Lower-Tier REMIC Y Principal Distribution Amount and (2) any remaining
Realized Losses for Pool 1 and Pool 2, respectively, shall be allocated to the LT-Z1 and LT-Z2, respectively.

 

    	20

    	 

    
 

Lower-Tier
REMIC Y Principal Distribution Amount: On each Distribution Date, the following amounts shall be deemed distributed
in respect of principal on the LT-Y1 and LT-Y-:

 

(1)       if, after the calculation of all
distributions to be made to and Realized Losses to be applied to the principal balance of the Certificates, the ratio of the resulting
Pool Subordinate Amount for Pool 1 to the resulting Pool Subordinate Amount for Pool 2 would be less than or equal to such ratio
as in effect immediately before such Distribution Date, from the Available Distribution Amount for Pool 1 remaining after distributions
of interest on the LT-Y1 and LT-Z1 to the LT-Y1 the minimum amount necessary to reduce the principal balance of the LT-Y1 to an
amount whose ratio to the principal balance of the LT-Y2 after distributions on such Distribution Date will be equal to the ratio
of the Pool Subordinate Amount for Pool 1 to the Pool Subordinate Amount for Pool 2 immediately after such Distribution Date;

 

(2)        if, after the calculation of all
distributions to be made to and Realized Losses to be applied to the principal balance of the Certificates, the ratio of the resulting
Pool Subordinate Amount for Pool 1 to the resulting Pool Subordinate Amount for Pool 2 would be greater than such ratio as in effect
immediately before such Distribution Date, from the Available Distribution Amount for Pool 2 remaining after distributions of interest
on the LT-Y2 and LT-Z2 to the LT-Y2 the minimum amount necessary to reduce the principal balance of the LT-Y2 to an amount such
that the ratio of the principal balance of the LT-Y1 after the distributions on such Distribution Date to the principal balance
of the LT-Y2 so reduced is equal to the ratio of the Pool Subordinate Amount for Pool 1 to the Pool Subordinate Amount for Pool
2 immediately after such Distribution Date; and

 

(3)       if, after making the distributions
set forth in (1) and (2) above, the sum of the principal balances of the LT-Y1 and LT-Y2 is greater than half of the Subordinated
Percentage of the Aggregate Stated Principal Balance, amounts from the remaining Pool 1 and Pool 2 Available Distribution Amounts
shall be distributed respectively to the LT-Y1 and LT-Y2 pro-rata according to their respective Class Principal Amounts as reduced
by the distributions pursuant to (1) and (2) above sufficient to reduce such sum to half of the Subordinated Percentage of the
Aggregate Stated Principal Balance after accounting for distributions on such Distribution Date.

 

The amounts distributed to the LT-Y1 and
LT-Y2, respectively, pursuant to paragraphs (1) through (3) above shall be known as the Lower-Tier REMIC Y-1 Principal Distribution
Amount and the Lower-Tier REMIC Y-2 Principal Distribution Amount, respectively. In the event that there are insufficient funds
in the Available Distribution Amounts for Pool 1 or Pool 2 to accomplish the principal reductions on the LT-Y1 and LT-Y2 as provided
for pursuant to this definition, Realized Losses from Pool 1 or Pool 2 shall be allocated respectively to the LT-Y1 and LT-Y2 in
amounts sufficient to accomplish such principal reductions.

 

Lower-Tier
REMIC Z Principal Distribution Amount: On each Distribution Date, the amounts of the Available Distribution Amounts
for Pool 1 and Pool 2, respectively, remaining following the distributions to the LT-Y1 and LT-Y2 pursuant to the definition of
Lower-Tier REMIC Y Principal Distribution Amount shall be deemed distributed to the LT-Z1 and LT-Z2, respectively, in respect of
the principal thereof.

 

LT-R
Interest:  The residual interest in the Lower-Tier REMIC, as described in the Preliminary Statement to this
Agreement.

 

Master
Servicer:  Wells Fargo Bank, N.A., a national banking association organized under the laws of the United States
in its capacity as Master Servicer and any successor in interest, or if any successor master servicer shall be appointed as herein
provided, then such successor master servicer.

 

Master
Servicer Compensating Interest Payment:  As to any Distribution Date and the Master Servicer, the lesser of
(1) the Master Servicing Fee for such date and (2) any Prepayment Interest Shortfalls for such date (to the extent such Prepayment
Interest Shortfalls are required to be paid but are not actually paid by the Servicers (other than Cenlar FSB) or the Servicing
Administrator as a Servicer Compensating Interest Payment).

 

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Master
Servicing Fee:  With respect to any Distribution Date, an amount equal to the product of one-twelfth of the
Master Servicing Fee Rate and the Stated Principal Balance of each Mortgage Loan as of the first day of the related Due Period.

 

Master
Servicing Fee Rate:  0.02125% per annum.

 

Master
Servicing Transfer Costs:  All reasonable costs and expenses incurred by the Trustee in connection with the
appointment of a successor master servicer and the transfer of master servicing from a predecessor master servicer, including,
without limitation, any reasonable costs or expenses associated with the identification and engagement of a successor master servicer,
the documentation of the assumption of master servicing by the successor master servicer, the complete transfer of all master servicing
data and the completion, correction or manipulation of such master servicing data as may be required by the Trustee or the successor
master servicer to correct any errors or insufficiencies in the master servicing data or otherwise to enable the Trustee or other
successor master servicer to master service the Mortgage Loans properly and effectively.

 

Middle-Tier
REMIC:  As described in the Preliminary Statement to this Agreement.

 

Moody’s:  Moody’s
Investors Service, Inc., or any successor in interest. 

 

Mortgage:  A
mortgage, deed of trust or other instrument creating a first lien on, or first priority ownership interest in, an estate in fee
simple in real property securing a Mortgage Note, together with improvements thereto.

 

Mortgage
Documents:  With respect to each Mortgage Loan, the mortgage documents required to be delivered to the Custodian
pursuant to the Custodial Agreement.

 

Mortgage
Loan:  A Mortgage and the related Mortgage Note or other evidences of indebtedness secured by each such Mortgage
conveyed, transferred, sold, assigned to or deposited with the Trustee pursuant to Section 2.01 (including any Qualified Substitute
Mortgage Loan and REO Property), including without limitation, each Mortgage Loan listed on the Mortgage Loan Schedule, as amended
from time to time.

 

Mortgage
Loan Purchase and Sale Agreement:  The mortgage loan purchase and sale agreement, dated as of January 15,
2013, between the Seller and the Depositor.

 

Mortgage
Loan Schedule:  The schedule attached hereto as Schedule A, which shall identify each Mortgage Loan, as such
schedule may be amended by the Depositor or the Servicers from time to time to reflect the addition of Qualified Substitute
Mortgage Loans to, or the deletion of Deleted Mortgage Loans from, the Trust Fund. 

 

Mortgage
Note:  The original executed note or other evidence of the indebtedness of a Mortgagor secured by a Mortgage
under a Mortgage Loan.

  

Mortgage
Pool: Either of Pool 1 or Pool 2.

 

Mortgaged Property:  The
underlying property securing a Mortgage Loan which, with respect to a Cooperative Loan, is the related Cooperative Shares and
Proprietary Lease.

 

    	22

    	 

    
 

Mortgage
Rate:  As to any Mortgage Loan and any Distribution Date, the annual rate of interest borne by the related
Mortgage Note as of the related Due Date, taking into account any Servicing Modification or other amendments to the Mortgage Note.

 

Mortgagor:  The
obligor on a Mortgage Note.

 

MT-R
Interest:  The residual interest in the Middle-Tier REMIC, as described in the Preliminary Statement to this
Agreement.

 

Net
Liquidation Proceeds:  With respect to any Liquidated Mortgage Loan or any other disposition of related Mortgaged
Property, the related Liquidation Proceeds net of Advances, Servicing Advances, related Servicing Fees, Servicing Administrator
Fees and/or Master Servicing Fees and any other accrued and unpaid servicing fees received and retained in connection with the
liquidation of such Mortgage Loan or Mortgaged Property.

 

Net
Mortgage Rate:  With respect to any Mortgage Loan and any Distribution Date, the related Mortgage Rate as
of the Due Date in the month preceding the month of such Distribution Date reduced by the Aggregate Expense Rate.

 

Net
Prepayment Interest Shortfall:  With respect to any Mortgage Loan and any Distribution Date, the amount by
which any Prepayment Interest Shortfall for the related Due Period exceeds the amount of Master Servicer Compensating Interest
Payment paid by the Master Servicer and Servicer Compensating Interest Payment paid by the applicable Servicer (other than Cenlar
FSB) and/or the Servicing Administrator in respect of such shortfall for such Due Period.

  

Net
WAC Rate:  With respect to either Mortgage Pool and any Distribution Date, an annual
rate, expressed as a percentage, equal to the weighted average of the Net Mortgage Rates of the Mortgage Loans in such Mortgage
Pool as of the first day of the related Due Period, minus (i) a fraction, the numerator of which equals the amount of any fees,
charges and other costs allocable to the related Mortgage Pool or, if such costs are not allocable to a specific Mortgage Pool,
a pro rata portion of such fees, charges and other costs based on the aggregate Stated Principal Balance of the Mortgage Loans
in that Mortgage Pool, including indemnification amounts and costs of arbitration (other than the Master Servicing Fee and amounts
required to be paid by the Master Servicer from the Master Servicing Fee) paid or reimbursed to the Master Servicer, the Securities
Administrator and the Trustee from the Trust Fund under this Agreement and the Custodian under the Custodial Agreement during the
prior calendar month, that are subject to an aggregate maximum amount of $300,000 annually, and the denominator of which equals
the aggregate Stated Principal Balance of the Mortgage Loans in the related Mortgage Pool, multiplied by (ii) twelve. 

 

Non-Book-Entry
Certificate:  Any Certificate other than a Book-Entry Certificate.

 

Non-permitted
Foreign Holder:  As defined in Section 3.03(f).

 

Nonrecoverable
Advance:  Any portion of an Advance or Servicing Advance previously made or proposed to be made by the Master
Servicer, a Servicer (other than Cenlar FSB) and/or the Servicing Administrator (as certified in an Officer’s Certificate
of the Master Servicer, a Servicer (other than Cenlar FSB) and/or the Servicing Administrator, as applicable), which in the good
faith judgment of such party, shall not be ultimately recoverable by such party from the related Mortgagor, related Liquidation
Proceeds or otherwise.

 

Non-Upper-Tier
REMIC:  As defined in Section 10.01(d).

 

Non-U.S. Person:  Any
person other than a “United States person” within the meaning of Section 7701(a)(30) of the Code.

 

    	23

    	 

    
 

Notional
Amount:  With respect to an Interest-Only Certificate and any Distribution Date, such Certificate’s
Percentage Interest of the Class Notional Amount of such Class of Certificates for such Distribution Date.

 

NRSRO:  Any
nationally recognized statistical rating organization for purposes of Rule 17g-5 under the Exchange Act.

 

NRSRO
Certification:  A certification in the form of Exhibit O hereto.

 

Officer’s
Certificate:  (a) With respect to the Depositor, a certificate signed by two Authorized Officers of the Depositor,
(b) with respect to the Master Servicer or the Securities Administrator, a certificate signed by the Chairman of the Board, any
Vice Chairman, the President, any Vice President or any Assistant Vice President of the Master Servicer or the Securities Administrator,
(c) with respect to a Servicer, a certificate signed by the Chairman of the Board, the Vice Chairman of the Board, the President,
a Managing Director, a Vice President (however denominated), an Assistant Vice President, the Treasurer, the Secretary, one of
the Assistant Treasurers or Assistant Secretaries of a Servicer, or any other duly authorized officers or agents of a Servicer
and (d) with respect to the Servicing Administrator, a certificate signed by an Authorized Officer of the Servicing Administrator,
and in each case delivered to the Trustee, the Securities Administrator or the Master Servicer, as required hereby.

 

Opinion
of Counsel:  A written opinion of counsel, reasonably acceptable in form and substance to the Trustee, the
Securities Administrator or the Master Servicer, as required hereby, and who may be in-house or outside counsel to the Depositor,
the Master Servicer, the Securities Administrator or the Trustee but which must be Independent outside counsel with respect to
any such opinion of counsel concerning the transfer of any Residual Certificate or concerning certain matters with respect to ERISA
or the taxation, or the federal income tax status, of each REMIC.

 

Original
Applicable Credit Support Percentage:  With respect to each Class of Subordinate Certificates, the related
Applicable Credit Support Percentage as of the Closing Date, which shall be equal to the corresponding approximate percentage set
forth in the table below opposite its Class designation:

 

	Class B-1	 	 	7.30	%
	Class B-2	 	 	4.75	%
	Class B-3	 	 	3.05	%
	Class B-4	 	 	1.90	%
	Class B-5	 	 	1.05	%

 

Original
Subordinate Class Principal Amount:  The aggregate of the Class Principal Amounts of the Classes of Subordinate
Certificates as of the Closing Date.

 

Originator:  Each
of American Pacific Mortgage Corporation, Bay Equity, LLC, Boston Private Bank & Trust Company, Castle & Cooke Mortgage,
LLC, Cherry Creek Mortgage Co., Inc., Cole Taylor Bank, Colonial Savings, F.A., Cornerstone Mortgage Company, EverBank, Evergreen
Moneysource Mortgage Company dba Evergreen Home Loans, Fairway Independent Mortgage Corporation, Fidelity Bank dba Fidelity Bank
Mortgage, First Republic Bank, Flagstar Capital Markets Corporation, Franklin American Mortgage Company, Fremont Bank, GFI Mortgage
Bankers, Incorporated, GuardHill Financial Corporation, Guild Mortgage Company, Leader Bank, N.A., Megastar Financial Corporation,
Monarch Bank, Mortgage Master, Inc., Paramount Equity Mortgage, PHH Mortgage Corporation, Plaza Home Mortgage, Incorporated, Primary
Residential Mortgage, Inc., PrimeLending, a PlainsCapital Company, Prospect Mortgage, LLC, Provident Savings Bank, Rockland Trust
Company, SCBT, N.A., Simonich Corporation, dba BOC Mortgage, Sterling Savings Bank, Stifel Bank and Trust, United Shore Financial
Services, LLC, Wintrust Mortgage, a division of Barrington Bank and Trust Company, N.A., and WJ Bradley Mortgage Capital, LLC,
each as seller under the related Purchase Agreement, and any successor thereto.

 

    	24

    	 

    
 

Overcollateralized
Group: On any Distribution Date, if there is an Undercollateralized Group, the Certificate Group which is not an Undercollateralized
Group.

 

Paying
Agent:  Any paying agent appointed pursuant to Section 3.08.  The initial Paying Agent shall be
the Securities Administrator under this Agreement.

 

Percentage
Interest:  With respect to any Certificate, its percentage interest in the undivided beneficial ownership
interest in the Trust Fund evidenced by all Certificates of the same Class as such Certificate.  With respect to any
Certificate, other than an Interest-Only Certificate, if applicable, or the Class R Certificates and the Class LT-R Certificates,
the Percentage Interest evidenced thereby shall equal the initial Certificate Principal Amount thereof divided by the initial Class
Principal Amount of all Certificates of the same Class.  With respect to each of the Class R Certificates and the Class
LT-R Certificates, the Percentage Interest evidenced thereby shall be as specified on the face thereof, or otherwise, be equal
to 100%.  With respect to an Interest-Only Certificate, the Percentage Interest evidenced thereby shall equal its initial
Notional Amount as set forth on the face thereof divided by the initial Class Notional Amount of such Class.

 

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

 

Plan:  An
employee benefit plan or other retirement arrangement which is subject to Section 406 of ERISA and/or Section 4975 of the Code
or any entity whose underlying assets include “plan assets” of such plan or arrangement under the Plan Asset Regulations
by reason of their investment in the entity.

 

Plan
Asset Regulations:  The U.S. Department of Labor regulations set forth in 29 C.F.R. Section 2510.3-101,
as modified by Section 3(42) of ERISA. 

 

Pool
1: The aggregate of the Mortgage Loans identified on the Mortgage Loans Schedule as being included in Pool 1.

 

Pool
1 Certificates: The Class 1-A1 and Class 1-AX Certificates.

 

Pool
2: The aggregate of the Mortgage Loans identified on the Mortgage Loans Schedule as being included in Pool 2.

 

Pool
2 Certificates: The Class 2-A1 and Class 2-AX Certificates.

 

Pool
Percentage: With respect to each Mortgage Pool and any Distribution Date, a fraction, expressed
as a percentage, the numerator of which is the Aggregate Stated Principal Balance of the Mortgage Loans in such Mortgage Pool as
the first day of the month preceding the month in which such Distribution Date occurs and the denominator of which is the Aggregate
Stated Principal Balance of all of the Mortgage Loans as of the first day of the month preceding the month in which such Distribution
Date occurs.

 

Pool
Subordinate Amount: With respect to each Mortgage Pool and any Distribution Date, the excess of the Aggregate Stated
Principal Balance of the Mortgage Loans in such Mortgage Pool as of the first day of the month preceding the month in which such
Distribution Date occurs over the sum of the Class Principal Amounts of the Pool 1 Certificates or the Pool 2 Certificates,
as applicable, immediately before such Distribution Date.

 

    	25

    	 

    

 

Prepayment
Interest Shortfall:  With respect to a Mortgage Loan and any Distribution Date, the amount by which interest
paid by the related Mortgagor in connection with a Principal Prepayment on the Mortgage Loan is less than one month’s interest
at the related Mortgage Rate on the Stated Principal Balance of that Mortgage Loan as of the preceding Distribution Date.

 

Prepayment
Period:  With respect to each Mortgage Loan serviced by Cenlar FSB and (i) each Distribution Date other than
the first Distribution Date, the period commencing on the 15th day of the month preceding the month in which the Distribution
Date occurs through the 14th day of the month in which the Distribution Date occurs and (ii) the first Distribution
Date, the period commencing January 1, 2013 through February 14, 2013. With respect to each Mortgage Loan serviced by First Republic
Bank and any Distribution Date, the calendar month preceding the month in which the Distribution Date occurs. With respect to each
Mortgage Loan serviced by EverBank and PHH Mortgage Corporation and any Distribution Date, the period commencing on the 2nd
day of the month preceding the month in which the Distribution Date occurs through the 1st day of the month in which
the Distribution Date occurs.

 

Primary
Mortgage Insurance Policy:  Each policy of primary mortgage guaranty insurance or any replacement policy therefor
with respect to any Mortgage Loan.

 

Principal
Distribution Amount:  With respect to any Mortgage Pool and any Distribution Date, the sum of (a) the principal
portion of each Scheduled Payment on the related Mortgage Loans (before taking into account any Deficient Valuations or Debt Service
Reductions) due on the related Due Date, whether or not received, (b) the principal portion of each Principal Prepayment on the
related Mortgage Loans made by a Mortgagor during the related Prepayment Period; (c) the principal portion of each other unscheduled
collection on the related Mortgage Loans, including any Subsequent Recoveries, Insurance Proceeds and Net Liquidation Proceeds
(other than with respect to any related Mortgage Loan that became a Liquidated Mortgage Loan during the related Prepayment Period)
received during the related Prepayment Period; (d) that portion of the Repurchase Price representing principal of any Mortgage
Loans in such Mortgage Pool repurchased by an Originator or the Seller in accordance with a Purchase Agreement or by the Seller
in accordance with Section 2.04 herein, in each case to the extent received during the related Prepayment Period; (e) the
principal portion of any related Substitution Amount received during the related Prepayment Period; and (f) on the Distribution
Date on which the Trust Fund is to be terminated pursuant to Article VII hereof, that portion of the Clean-up Call Price in respect
of principal for such Mortgage Pool.

 

Principal
Forbearance Amount:  With respect to a Mortgage Loan that was the subject of a Servicing Modification, the
amount of principal of the Mortgage Loan, if any, that has been deferred and that does not accrue interest.

 

Principal
Prepayment: Any full or partial payment or other recovery of principal on a Mortgage Loan that is received in advance
of its scheduled Due Date and that 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
Transfer Amount: For any Distribution Date and for any Undercollateralized Group, an amount equal to the lesser of (i)
the excess, if any, of the aggregate Class Principal Amount of the Senior Certificates related to that Undercollateralized
Group computed as of the close of the prior Distribution Date over the Aggregate Stated Principal Balance of the Mortgage Loans
in the related Mortgage Pool as of the first day of the month in which the prior Distribution Date occurs and (ii) all amounts
otherwise distributable as principal on the Subordinate Certificates.

 

Proceeding:  Any
suit in equity, action at law or other judicial or administrative proceeding.

 

Proprietary
Lease:  With respect to any Cooperative Property, a lease or occupancy agreement between a Cooperative Corporation
and a holder of related Cooperative Shares.

 

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Prospectus:  The
prospectus supplement dated January 14, 2013 and the accompanying prospectus dated September 13, 2012, relating to the Class 1-A1,
Class 1-AX, Class 2-A1, Class 2-AX, Class B-1, Class B-2 and Class B-3 Certificates, together with any supplement thereto.

 

Purchase
Agreement: Each agreement listed on Exhibit H-1, as amended or supplemented from time to time as permitted thereunder
and as modified by the related Acknowledgment.

 

Qualified
Appraiser:  With respect to each Mortgage Loan, an appraiser, duly appointed by the 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 such appraiser and the appraisal made by such appraiser both
satisfy the requirements of Fannie Mae or Freddie Mac (including but not limited to the Appraiser Independence Requirements) and
Title XI of FIRREA and the regulations promulgated thereunder, all as in effect on the date the Mortgage Loan was originated.

 

Qualified
Substitute Mortgage Loan:  A mortgage loan substituted by an Originator or the Seller, as applicable, for
a Deleted Mortgage Loan in accordance with the applicable Purchase Agreement or the Mortgage Loan Purchase and Sale Agreement,
as applicable, which must, on the date of such substitution, (a) 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 (the
amount of any shortfall will be paid by the Originator or the Seller, as applicable, and distributed to Trust Fund in the month
of substitution), (b) have a Mortgage Rate not less than, and not more than one percentage point greater than, the Mortgage Rate
of the Deleted Mortgage Loan, (c) have a remaining term to maturity not greater than (and not more than one year less than) that
of the Deleted Mortgage Loan, (d) have a Loan-to-Value Ratio at origination no greater than that of the Deleted Mortgage Loan and
(e) comply as of the date of substitution with each representation and warranty relating to the Mortgage Loans set forth in the
applicable Purchase Agreement.

 

Rapid
Prepayment Conditions: As to any Distribution Date, if (1) the Aggregate Subordinate Percentage on such date is less
than the Aggregate Subordinate Percentage on the Closing Date; or (2) the outstanding Stated Principal Balance of (a) the Mortgage
Loans in any Mortgage Pool that are 60 days or more Delinquent (including any such Mortgage Loan in foreclosure or bankruptcy status
or which have converted to REO Property) and (b) any Mortgage Loan in Pool 1 or Pool 2 subject
to a Servicing Modification within the 12 months prior to that Distribution Date (averaged over the preceding six month period),
as a percentage of the Pool Subordinate Amount of such Mortgage Pool, is greater than or equal to 50%.

 

Rating
Agency:  Each of Fitch, KBRA and Moody’s; provided, however, that references to a “Rating Agency”
as used in the definition of “Eligible Account” and “Eligible Investments” shall not include KBRA unless
KBRA rates the applicable entity or investment.

 

Rating
Agency Information:  The notices, information, reports, certifications and oral and written statements required
to be provided to each Rating Agency pursuant to this Agreement or Rule 17g-5 under the Exchange Act.

 

Realized
Loss:  (a) With respect to each Liquidated Mortgage Loan, an amount (not less than zero or more than the Stated
Principal Balance of the Mortgage Loan plus accrued interest) as of the date of such liquidation, equal to (i) the unpaid principal
balance of the Liquidated Mortgage Loan as of the date of such liquidation, plus (ii) interest at the Net Mortgage Rate from the
Due Date as to which interest was last paid by the borrower to Certificateholders up to the Due Date in the month in which Liquidation
Proceeds are required to be distributed on the Stated Principal Balance of such Liquidated Mortgage Loan from time to time, minus
(iii) the Net Liquidation Proceeds received during the month in which such liquidation occurred, to the extent not previously applied
as recoveries of interest at the Net Mortgage Rate and to principal of the Liquidated Mortgage Loan;

 

    	27

    	 

    

 

(b) with respect to each Mortgage Loan that
has become the subject of a Deficient Valuation, if the principal amount due under the related Mortgage Note has been reduced,
the difference between the principal balance of the Mortgage Loan outstanding immediately prior to such Deficient Valuation and
the principal balance of the Mortgage Loan as reduced by the Deficient Valuation;

 

(c) with respect to each Mortgage Loan that
has been the subject of a Servicing Modification, any principal due on the Mortgage Loan that has been written off by the related
Servicer and any Principal Forbearance Amount; and

 

(d) with respect to each Class of Certificates,
the amount by which the Class Principal Amount is reduced as a result of clauses (a), (b) or (c) above.

 

Reconciled
Market Value:  The estimated market value of a Mortgaged Property or REO Property as reasonably determined
by the applicable Servicer based on different results obtained from different permitted valuation methods or at different time
periods, all in accordance with such Servicer's customary servicing procedures.

 

Record
Date:  With respect to any Distribution Date, the last Business Day of the month preceding the month of such
Distribution Date.

 

Refinancing
Mortgage Loan:  Any Mortgage Loan originated in connection with the refinancing of an existing mortgage loan.

 

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 clarifications and interpretations as have been provided by the Commission
in the adopting release (Asset-Backed Securities, Securities Act Release No. 33-8518, 70 Fed. Reg. 1,506-1,631 (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.

 

Relevant
Servicing Criteria:  The Servicing Criteria applicable to each party, as set forth on an exhibit to each Servicing
Agreement and Exhibit K hereto.  Multiple parties can have responsibility for the same Relevant Servicing Criteria.  With
respect to a Servicing Function Participant engaged by the Master Servicer, the Securities Administrator or any Servicer, the term
“Relevant Servicing Criteria” may refer to a portion of the Relevant Servicing Criteria applicable to such parties.

 

Relief
Act Shortfalls:  With respect to any Distribution Date and any Mortgage Loan as to which there has been a
reduction in the amount of interest collectible thereon for the most recently ended calendar month as a result of the application
of the Civil Relief Act, the amount, if any, by which (i) interest collectible on such Mortgage Loan for the most recently ended
calendar month is less than (ii) interest accrued thereon for such month pursuant to the Mortgage Note.

 

REMIC:  Each
pool of assets in the Trust Fund designated as a REMIC as described in the Preliminary Statement to this Agreement.

 

REMIC
Provisions:  The provisions of the federal income tax law relating to real estate mortgage investment conduits,
which appear at sections 860A through 860G of the Code, and related provisions, and regulations, including proposed regulations
and rulings, and administrative pronouncements promulgated thereunder, as the foregoing may be in effect from time to time.

 

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 or otherwise treated as having been acquired pursuant to the REMIC Provisions.

 

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Reportable
Event:  As defined in Section 6.21(c)(i).

 

Reporting
Servicer:  As defined in Section 6.21(b)(i).

 

Repurchase
Price: With respect to any Mortgage Loan and the applicable Originator, the “Repurchase Price” as defined
in the applicable Purchase Agreement or Servicing Agreement or in the case of the Seller, the “Repurchase Price” as
defined in the Mortgage Loan Purchase and Sale Agreement.

 

Residual
Certificate:  The Class LT-R Certificates and the Class R Certificates.

 

Responsible
Officer:  With respect to any party, any officer in the corporate trust, servicing or master servicing department
or similar group of such party with direct responsibility for the administration of this Agreement and also, with respect to a
particular matter related to this transaction, any other officer to whom such matter is referred because of his or her knowledge
of and familiarity with the particular subject.

 

Restricted
Certificate: Any Class B-4, Class B-5, Class R or Class LT-R Certificate.

 

Rule
15Ga-1 Information: As defined in Section 4.04(a).

 

Rule
17g-5 Information Provider: The Securities Administrator.

 

Rule
17g-5 Website:  The website maintained by the Securities Administrator pursuant to Section 4.03.

 

S&P:  Standard
& Poor’s Ratings Services, a Standard & Poor’s Financial Services LLC business, or any successor in interest.

 

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 in the Servicing Agreements, shall give effect to any related
Debt Service Reduction, any Deficient Valuation and any Servicing Modification that affects the amount of the monthly payment due
on such Mortgage Loan.

 

Securities
Act:  The Securities Act of 1933, as amended, and the rules and regulations thereunder.

 

Securities
Administrator:  Wells Fargo Bank, N.A., not in its individual capacity but solely as Securities Administrator,
or any successor in interest, or if any successor Securities Administrator shall be appointed as herein provided, then such successor
Securities Administrator. Wells Fargo Bank, N.A. shall act as Securities Administrator for so long as it is Master Servicer under
this Agreement.

 

Seller:  Redwood
Residential Acquisition Corporation, a Delaware corporation.

 

Senior
Certificate:  Any one of the Class 1-A1, Class 1-AX, Class 2-A1 and Class 2-AX Certificates, as applicable.

 

Senior
Percentage:  With respect to each Distribution Date and (i) Pool 1, the percentage equivalent of a fraction,
the numerator of which is the Class Principal Amount of the Class 1-A1 Certificates prior to any distributions of principal, allocations
of Realized Losses or allocations of Certificate Writedown Amounts on such Distribution Date, and the denominator of which is the
Aggregate Stated Principal Balance of all of the Mortgage Loans in Pool 1 as of the preceding Distribution Date and (ii) Pool 2,
the percentage equivalent of a fraction, the numerator of which is the Class Principal Amount of the Class 2-A1 Certificates prior
any distributions of principal, allocations of Realized Losses or allocations of Certificate Writedown Amounts on such Distribution
Date, and the denominator of which is the Aggregate Stated Principal Balance of all of the Mortgage Loans as of the preceding Distribution
Date.

 

    	29

    	 

    

 

Senior
Prepayment Percentage:  With respect to either Mortgage Pool and any Distribution Date occurring before the
Distribution Date in February 2018, 100%.  Except as provided herein, the Senior Prepayment Percentage for either Mortgage
Pool and any Distribution Date occurring in or after February 2018 shall be as follows:

 

(i) in or after February 2018 to and
including January 2019, the related Senior Percentage plus 70% of the related Subordinate Percentage for that Distribution Date;

 

(ii) in or after February 2019 to and
including January 2020, the related Senior Percentage plus 60% of the related Subordinate Percentage for that Distribution Date;

 

(iii) in or after February 2020 to
and including January 2021, the related Senior Percentage plus 40% of the related Subordinate Percentage for that Distribution
Date;

 

(iv) in or after February 2021 to and
including January 2022, the related Senior Percentage plus 20% of the related Subordinate Percentage for that Distribution Date;
and

 

(v) in or after February 2022, the
related Senior Percentage for that Distribution Date;

 

provided,
however, that there shall be no reduction in the Senior Prepayment Percentage for either Mortgage Pool (other than as
a result of a reduction of the related Senior Percentage) on any Distribution Date unless the Step-Down Test is satisfied; and
provided, further, that if on any such Distribution Date on or after the Distribution Date in February 2018, the Senior
Percentage for a Mortgage Pool exceeds the initial Senior Percentage such Mortgage Pool, the Senior Prepayment Percentage for each
Mortgage Pool for that Distribution Date shall again equal 100%.

 

If on any Distribution Date the allocation
to the Pool 1 or Pool 2 Certificates then entitled to distributions of principal of Principal Prepayments and other amounts in
the percentage required above would reduce the aggregate Class Principal Amount of those certificates to below zero, the related
Senior Prepayment Percentage of those amounts for such Distribution Date shall be limited to the percentage necessary to reduce
the related Class Principal Amount to zero.

 

Senior
Principal Distribution Amount:  With respect to each Mortgage Pool and any Distribution Date, the sum of:

 

(1)           the
related Senior Percentage of all amounts described in clause (a) of the definition of “Principal Distribution Amount”
for that Distribution Date;

 

(2)           the
related Senior Prepayment Percentage of the amounts described in clauses (b), (c), (d), (e) and (f) of the definition of “Principal
Distribution Amount”;

 

(3)           with
respect to each related Mortgage Loan that became a Liquidated Mortgage Loan during the related Prepayment Period, the lesser of:

 

(x)           Net
Liquidation Proceeds allocable to principal received with respect to that Mortgage Loan; and

 

(y)           the
related Senior Prepayment Percentage of the Stated Principal Balance of that Mortgage Loan; and

 

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(4)          any
amounts described in clauses (1) through (3) above that remain unpaid with respect to the related Senior Certificates from prior
Distribution Dates;

 

plus the sum of:

 

		(1)	the amount of principal distributions made to the related Senior Certificates pursuant to Section 5.02(h); and

 

		(2)	the amount of principal distributions made to the related Senior Certificates pursuant to Section 5.02(i);

 

provided, however, that

 

		(A)	if on any Distribution Date the allocation to the Class 1-A1 or Class 2-A1 Certificates of the related Principal Prepayments
and other amounts in the percentage required above would reduce the related Class Principal Amount of those Certificates to below
zero, the distribution to the Class of Certificates of the related Senior Prepayment Percentage of those amounts for such Distribution
Date shall be limited to the percentage necessary to reduce the related Class Principal Amount thereof to zero;

 

		(B)	until the aggregate of the Class Principal Amounts of the Class 1-A1 and Class 2-A1 Certificates is reduced to zero, if on
any Distribution Date the aggregate of the Class Principal Amounts of the Subordinate Certificates is less than or equal to 1.20%
of the Stated Principal Balance of the Mortgage Loans as of the Closing Date, the Senior Principal Distribution Amounts for such
Distribution Date and each succeeding Distribution Date will include all principal collections on the Mortgage Loans in the related
Mortgage Pool distributable on that Distribution Date, and the Subordinate Principal Distribution Amounts will be zero; and

 

		(C)	until the Class Principal Amount of each of the Class 1-A1 and Class 2-A1 Certificates is reduced to zero, if on any Distribution
Date, the Aggregate Subordinate Percentage for such Distribution Date is less than 7.30%, the Senior Principal Distribution Amounts
for such Distribution Date will include all principal collections on the Mortgage Loans in the related Mortgage Pool distributable
on that Distribution Date, and the Subordinate Principal Distribution Amounts will be zero.

 

Servicer:  Each
Servicer under a Servicing Agreement.

 

Servicer
Compensating Interest Payment:  As to any Distribution Date and any Servicer (other than Cenlar FSB) and the
Servicing Administrator, the lesser of (1) the Servicing Fee for such Servicer (other than Cenlar FSB) or the aggregate of Cenlar
FSB’s Servicing Fee and the Servicing Administrator Fee (in the case of the Servicing Administrator) for such date and (2)
any Prepayment Interest Shortfalls with respect to any Mortgage Loans serviced by such Servicer (or in the case of the Servicing
Administrator, the Mortgage Loans serviced by Cenlar FSB) for such date.

 

Servicer
Remittance Date:  As to any Mortgage Loan serviced by Cenlar FSB, the 20th day of each calendar month or,
if such 20th day is not a Business Day, the next succeeding Business Day, and as to any Mortgage Loan serviced by EverBank, First
Republic Bank or PHH Mortgage Corporation, the 18th day of each calendar month or, if such 18th day is not a Business Day, the
next succeeding Business Day, in each case commencing in February 2013.  

 

Servicing
Administrator: Redwood Residential Acquisition Corporation, as servicing administrator under the Cenlar FSB Servicing
Agreement.

 

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Servicing
Administrator Fee:  As to any Distribution Date and each Mortgage Loan serviced by Cenlar FSB, an amount equal
to the difference, if positive, between the Servicing Fee with respect to such Mortgage Loan and the servicing compensation payable
to Cenlar FSB under the applicable Servicing Agreement.

 

Servicing
Advances:  As defined in the applicable Servicing Agreement.

 

Servicing
Agreement:  Each agreement listed on Exhibit H-2, as amended or supplemented from time to time as permitted
thereunder and as modified by the related Acknowledgment.

 

Servicing
Criteria:  The criteria set forth in paragraph (d) of Item 1122 of Regulation AB, as such may be amended from
time to time.

 

Servicing
Fee:  As to any Distribution Date and each Mortgage Loan, an amount equal to the product of (a) one-twelfth
of the Servicing Fee Rate and (b) the Stated Principal Balance of such Mortgage Loan as of the first day of the related Due Period.
The Servicing Fee payable with respect to the Mortgage Loans serviced by Cenlar FSB will be allocated by Cenlar FSB between the
Servicing Administrator and Cenlar FSB as provided in the related Servicing Agreement.

 

Servicing
Fee Rate:   For each Servicer, a per annum rate equal to 0.25% (or, in the case of the Mortgage Loans serviced
by PHH Mortgage Corporation that provide for interest at a fixed rate for an initial period from origination and an adjustable
rate thereafter, 0.375%); or such other rate as may be agreed to by the Master Servicer pursuant to Section 9.01(b) of this Agreement
and the related Servicing Agreement; provided that, with respect to each Mortgage Loan serviced by First Republic Bank, the Servicing
Fee Rate will be increased by the amount of any increase in the Mortgage Rate for any such Mortgage Loan pursuant to the terms
of the related Mortgage Note due to the termination of an automatic debit or direct deposit account; provided further, that the
Master Servicer shall have no obligation to confirm or verify any such increase in the Servicing Fee Rate for any such Mortgage
Loan serviced by First Republic Bank.

 

Servicing
Function Participant:  Any Subservicer or Subcontractor, other than each Servicer, the Servicing Administrator,
the Master Servicer, the Securities Administrator or the Trustee, that is participating in the servicing function within the meaning
of Regulation AB, unless such Person’s activities relate only to 5% or less of the Mortgage Loans.

 

Servicing
Modification:  Any reduction of the Mortgage Rate on or the outstanding principal balance of a Mortgage Loan,
any extension of the final maturity date of a Mortgage Loan, any increase to the Stated Principal Balance of a Mortgage Loan by
adding to the Stated Principal Balance unpaid principal and interest and other amounts owing under the Mortgage Loan, any Principal
Forbearance Amount and any other modification, in each case pursuant to a modification of a Mortgage Loan that is in default or
for which, in the judgment of the Servicer of such Mortgage Loan, default is reasonably foreseeable in accordance with the related
Servicing Agreement.

 

Servicing
Officer:  Any officer of a 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 Master Servicer by the
Servicers on the Closing Date pursuant to the Servicing Agreements, as such list may from time to time be amended.

 

Sponsor:
RWT Holdings, Inc., a Delaware corporation.

 

Startup
Day:  The day designated as such pursuant to Section 10.01(b) hereof.

 

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Stated
Principal Balance:  As to any Mortgage Loan and date of determination, the unpaid principal balance of such
Mortgage Loan as of the most recent Due Date as determined by the amortization schedule for the Mortgage Loan at the time relating
thereto (before any adjustment to such amortization schedule by reason of any moratorium or similar waiver or grace period) after
giving effect to any previous Servicing Modification, Principal Prepayments and related Liquidation Proceeds allocable to principal
and to the payment of principal due on such Due Date (but not unscheduled Principal Prepayments received on such Due Date) and
irrespective of any delinquency in payment by the related Mortgagor. For the avoidance of doubt, the Stated Principal Balance of
any Mortgage Loan that has been prepaid in full or has become a Liquidated Mortgage Loan during the related Prepayment Period shall
be zero.

 

Step-Down
Test:  As to any Distribution Date, the test will be satisfied if both of the following conditions are met:

 

First,
the aggregate outstanding principal balance of all Mortgage Loans 60 days or more Delinquent (including Mortgage Loans in foreclosure,
REO Property or bankruptcy status) and all Mortgage Loans subject to a Servicing Modification within the twelve months prior to
that Distribution Date, averaged over the preceding six month period, as a percentage of the aggregate Class Principal Amount of
the Subordinate Certificates on such Distribution Date (without giving effect to any payments on such Distribution Date), does
not equal or exceed 50%; and

 

Second,
cumulative Realized Losses with respect to the Mortgage Loans plus, with respect to any Mortgage Loans that have been the subject
of a Servicing Modification, any interest due on such Mortgage Loans that has been written off by the related Servicer, do not
exceed (a) with respect to each Distribution Date occurring in the period from February 2018 to and including January 2019, 20%
of the Original Subordinate Class Principal Amount, (b) with respect to each Distribution Date occurring in the period from February
2019 to and including January 2020, 25% of the Original Subordinate Class Principal Amount, (c) with respect to each Distribution
Date occurring in the period from February 2020 to and including January 2021, 30% of the Original Subordinate Class Principal
Amount, (d) with respect to each Distribution Date in the period from February 2021 to and including January 2022, 35% of the Original
Subordinate Class Principal Amount and (e) with respect to the Distribution Date occurring in February 2022 and thereafter,
40% of the Original Subordinate Class Principal Amount.

  

Subcontractor:  Any
vendor, subcontractor or other Person that is not responsible for the overall servicing 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 any Servicer (or a Subservicer of any Servicer), the Master Servicer or the Securities Administrator.

 

Subordinate
Certificate:  Any of the Class B-1, Class B-2, Class B-3, Class B-4 or Class B-5 Certificates.

 

Subordinate
Class Percentage: As to any Distribution Date and any Class of Subordinate Certificates, a fraction, expressed as a
percentage, the numerator of which is the Class Principal Amount of such Class on such date, and the denominator of which is the
aggregate of the Class Principal Amounts of all Classes of Subordinate Certificates on such date.

 

Subordinate
Percentage:  With respect to any Distribution Date and a Mortgage Pool, the difference between 100% and the
related Senior Percentage for such Distribution Date. The initial Subordinate Percentage for each of Pool 1 and Pool 2 is 7.30%.

  

Subordinate
Prepayment Percentage:  With respect to any Distribution Date, the difference between 100% and the Senior
Prepayment Percentage for that Distribution Date.

 

Subordinate
Principal Distribution Amount:  With respect to each Mortgage Pool and any Distribution Date, an amount equal
to the sum of:

 

    	33

    	 

    

 

(1)           the
related Subordinate Percentage of all amounts described in clause (a) of the definition of “Principal Distribution Amount”
for that Distribution Date;

 

(2)           the
related Subordinate Prepayment Percentage of all amounts described in clauses (b), (c), (d), (e) and (f) of the definition of “Principal
Distribution Amount” for that Distribution Date; and

 

(3)           with
respect to each related Mortgage Loan that became a Liquidated Mortgage Loan during the related Prepayment Period, the amount of
the Net Liquidation Proceeds allocated to principal received with respect thereto remaining after application thereof pursuant
to clause (3) of the definition of “Senior Principal Distribution Amount” for that Distribution Date; and

 

(4)           any
amounts described in clauses (1) through (3) for any previous Distribution Date that remain unpaid

 

minus the sum of:

 

		(1)	the amount of principal distributions made to the related Senior Certificates pursuant to Section 5.02(h); and

 

		(2)	the amount of principal distributions made to the related Senior Certificates pursuant to Section 5.02(i).

 

Notwithstanding the above, with respect to any Class of Subordinate
Certificates (other than the Class B-1 Certificates), if on any Distribution Date the sum of the Class Subordination Percentage
of such Class and the aggregate Class Subordinate Percentages of all Classes of Subordinate Certificates which have lower payment
priorities than that Class is less than the Original Applicable Credit Support Percentage for that Class, no distribution of principal
will be made to any such Classes on such Distribution Date. Instead, the Subordinate Principal Distribution Amounts on that Distribution
Date will be allocated among the more senior Classes of Subordinate Certificates, pro rata, based on their respective Class Principal
Amounts.

 

Notwithstanding the above, with respect to each Class of Subordinate
Certificates other than the Class B-1 Certificates, if on any Distribution Date the Class Principal Amount of that Class and the
aggregate of the Class Principal Amounts of all Classes of Subordinate Certificates that have a lower payment priority than that
Class is less than or equal to 1.20% of the Stated Principal Balance of the Mortgage Loans as of the Closing Date, the portion
of the Subordinate Principal Distribution Amount otherwise distributable to such Class or Classes on such Distribution Date and
each succeeding Distribution Date will be allocated among the Subordinate Certificates with a higher payment priority then entitled
to principal, pro rata, based on their respective Class Principal Amounts and any remaining Subordinate Principal Distribution
Amount will be included in the related Senior Principal Distribution Amount for such Distribution Date.

 

In addition, until the Class Principal Amount of each of the
Class 1-A1 and Class 2-A1 Certificates is reduced to zero, if on any Distribution Date, the Aggregate Subordinate Percentage for
such Distribution Date is less than 7.30%, the Senior Principal Distribution Amounts for such Distribution Date will include all
principal collections on the Mortgage Loans in the related Mortgage Pool distributable on that Distribution Date, and the Subordinate
Principal Distribution Amounts will be zero.

 

In addition, until the Class Principal Amount of each of the
Class 1-A1 and Class 2-A1 Certificates is reduced to zero, if on any Distribution Date the aggregate of the Class Principal Amounts
of the Subordinate Certificates is less than or equal to 1.20% of the Stated Principal Balance of the Mortgage Loans as of the
Closing Date, each Senior Principal Distribution Amount on such Distribution Date and each succeeding Distribution Date will include
all principal collections on the Mortgage Loans in the related Mortgage Pool distributable on that Distribution Date, and each
Subordinate Principal Distribution Amount will be zero.

 

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Subsequent
Recovery:  Any amount recovered by a Servicer (i) with respect to a Liquidated Mortgage Loan (after reimbursement
of any unreimbursed Advances or expenses relating to such Liquidated Mortgage Loan as well as any other previously Liquidated Mortgage
Loans) with respect to which a Realized Loss was incurred after the liquidation or disposition of such Mortgage Loan or (ii) as
a Principal Forbearance Amount.

 

Subservicer:  Any
Person that (i) services Mortgage Loans on behalf of any Servicer, and (ii) is responsible for the performance (whether directly
or through sub-servicers or Subcontractors) of Servicing functions that are identified in Item 1122(d) of Regulation AB required
to be performed under this Agreement, any related Servicing Agreement or any sub-servicing agreement.

 

Substitution
Amount:  For any month in which an Originator or the Seller substitutes one or more Qualified Substitute Mortgage
Loans for one or more Deleted Mortgage Loans pursuant to a Purchase Agreement or the Mortgage Loan Purchase and Sale Agreement,
as applicable, the amount by which the aggregate Repurchase Price of all such Deleted Mortgage Loans exceeds the aggregate Stated
Principal Balance of the Qualified Substitute Mortgage Loans, together with one month's interest at the applicable Net Mortgage
Rate.

 

Tax
Matters Person:  With respect to each of the Lower Tier REMIC, the Middle Tier REMIC and the Upper Tier REMIC,
the “tax matters person” as specified in the REMIC Provisions which shall initially be the party described as such
in Section 10.01(k).

 

TIA:  The
Trust Indenture Act of 1939, as amended, and the rules and regulations thereunder.

 

TIA
Applicability Determination: A determination by the Depositor, of which it informs the Trustee, that the TIA applies
to this Agreement or that qualification under the TIA or any similar federal statute is required.

 

Trust
Fund:  As defined in Section 2.01 herein.

 

Trustee:  Christiana
Trust, a division of Wilmington Savings Fund Society, FSB, not in its individual capacity but solely as Trustee, or any successor
in interest, or if any successor trustee or any co-trustee shall be appointed as herein provided, then such successor trustee and
such co-trustee, as the case may be.

 

Trustee
Mortgage Files:  With respect to each Mortgage Loan, the Mortgage Documents to be retained in the custody
and possession of the Trustee or the Custodian on behalf of the Trustee pursuant to the Custodial Agreement.

 

Trustee
Credit Files:  With respect to each Mortgage Loan, the electronic images of certain Mortgage Documents to
be retained in the custody and possession of the Trustee or the Custodian on behalf of the Trustee pursuant to the Custodial Agreement.

 

UCC:  The
Uniform Commercial Code as enacted in any applicable jurisdiction from time to time.

  

Undercollateralized
Group: With respect to any Distribution Date, any Certificate Group with respect to which the aggregate Class Principal
Amount of such Certificate Group is greater than the Aggregate Stated Principal Balance of the Mortgage Loans in the related Mortgage
Pool prior to any distributions of principal or allocations of Realized Losses on such Distribution Date.

 

Underwriter:  Barclays
Capital Inc.

 

    	35

    	 

    

 

Underwriter’s
Exemption:  Prohibited Transaction Exemption (“PTE”) FAN 04-03E, as most recently amended and
restated by PTE 2007-5 (72 Fed. Reg. 13130 (March 20, 2007)) or any substantially similar administrative exemption granted by the
U.S. Department of Labor to the Underwriters.

 

Underwriting
Agreement:  The Underwriting Agreement, dated January [__], 2013, among the Seller, the Depositor, Redwood
Trust, Inc. and the Underwriter.

 

Upper-Tier
REMIC:  As described in the Preliminary Statement to this Agreement.

 

Voting
Interests:  The portion of the voting rights of all the Certificates that is allocated to any Certificate
for purposes of the voting provisions of this Agreement.  At all times during the term of this Agreement, 98.00% of all
Voting Interests shall be allocated to the Class 1-A1, Class 2-A1, Class B-1, Class B-2, Class B-3, Class B-4 and Class B-5 Certificates
in proportion to their respective Certificate Principal Amounts.  At all times during the term of this Agreement, 1.00%
of all Voting Interests shall be allocated to the Class 1-AX Certificates and 1.00% of all Voting Interests shall be allocated
to the Class 2-AX Certificates. Voting Interests shall be allocated among the Certificates of each Class based on their Percentage
Interests and no Certificate with a principal amount equal to zero will have any voting rights.  The Class R Certificates
and Class LT-R Certificate shall not have any voting rights.

 

Section 1.02               Calculations
Respecting Mortgage Loans.

 

Calculations required to be made pursuant
to this Agreement with respect to any Mortgage Loan in the Trust Fund shall be made based upon current information as to the terms
of the Mortgage Loans and reports of payments received from the Mortgagor on such Mortgage Loans and payments to be made to the
Securities Administrator as supplied to the Securities Administrator by the Master Servicer.  The Securities Administrator
shall not be required to recompute, verify or recalculate the information supplied to it by the Master Servicer or any Servicer.

 

ARTICLE II

 

DECLARATION OF TRUST; ISSUANCE OF CERTIFICATES

 

Section 2.01               Creation
and Declaration of Trust Fund; Conveyance of Mortgage Loans.

 

Concurrently with the execution and delivery
of this Agreement, the Depositor does hereby sell, transfer, assign, set over, deposit with and otherwise convey to the Trustee,
without recourse, subject to Sections 2.02 and 2.04, in trust, all right, title and interest of the Depositor in and to the Trust
Fund consisting of: (i) the Mortgage Loans, including the Mortgage Notes, the Mortgages, and the right to all payments of
principal and interest received on or with respect to the Mortgage Loans after the Cut-off Date (other than Scheduled Payments
due on or before such date), and all such payments due after such date but received on or prior to such date and intended by the
related Mortgagors to be applied after such date; (ii) all of the Depositor’s right, title and interest, if any, in
and to all amounts from time to time credited to and the proceeds of the Distribution Account, any Custodial Accounts or any Escrow
Account established with respect to the Mortgage Loans; (iii) with respect to the Mortgage Loans, to the extent set forth
in the Acknowledgements, the Depositor’s rights under the Purchase Agreements and the Servicing Agreements and all of the
Depositor’s rights under the Mortgage Loan Purchase and Sale Agreement; (iv) all of the Depositor’s right, title and
interest, if any, in REO Property and the proceeds thereof; (v) all of the Depositor’s rights under any Insurance Policies
related to the Mortgage Loans; and (vi) the Depositor’s security interest in any collateral pledged to secure the Mortgage
Loans, including the Mortgaged Properties (collectively, the “Trust Fund”); and the Trustee declares that, subject
to the Custodian's review provided for in Section 2.02, it has received and shall hold the Trust Fund, as trustee, in trust, for
the benefit and use of the Holders of the Certificates and for the purposes and subject to the terms and conditions set forth in
this Agreement, and, concurrently with such receipt, has caused to be executed, authenticated and delivered to or upon the order
of the Depositor, in exchange for the Trust Fund, all of the Certificates in the authorized denominations specified by the Depositor
pursuant to Section 3.01(b).

 

    	36

    	 

    

 

The foregoing sale, transfer, assignment,
set-over, deposit and conveyance does not and is not intended to result in the creation or assumption by the Trustee of any obligation
of the Depositor, the Seller or any other Person in connection with the Mortgage Loans or any other agreement or instrument relating
thereto except as specifically set forth therein.

 

Notwithstanding anything to the contrary
contained herein, the parties hereto acknowledge that the functions of the Trustee with respect to the custody, acceptance and
inspection of the Trustee Mortgage Files and the Trustee Credit Files, the release of Mortgage Documents, and the preparation and
delivery of the certifications relating to the Trustee Mortgage Files and the Trustee Credit Files shall be performed by the Custodian
pursuant to the terms and conditions of the Custodial Agreement. In addition, the Trustee is hereby directed to execute, not in
its individual capacity but solely as Trustee hereunder, and deliver the Acknowledgements and the Custodial Agreement. The Master
Servicer, the Depositor, the Securities Administrator and the Certificateholders (by their acceptance of such Certificates) acknowledge
and agree that the Trustee is executing and delivering the Custodial Agreement and the Acknowledgements solely in its capacity
as Trustee and not in its individual capacity.

 

In connection with such sale, transfer and
assignment of the Mortgage Loans, the Depositor does hereby deliver to, and deposit with, or cause to be delivered to and deposited
with, the Custodian acting on the Trustee's behalf, the Trustee Mortgage Files and the Trustee Credit Files.

 

Section 2.02               Acceptance
of Trust Fund by Trustee; Review of Documentation for Trust Fund.

 

(a)           The
Trustee, by execution and delivery hereof and the below-referenced delivery to the Trustee of the Certification and Exception Report,
acknowledges receipt by it (or by the Custodian on its behalf) of the Trustee Mortgage Files pertaining to the Mortgage Loans listed
on the Mortgage Loan Schedule, subject to review thereof by the Custodian on behalf of the Trustee in accordance with Section 3.2
of the Custodial Agreement and the exceptions set forth on the Exception Report.  The Custodian, on behalf of the Trustee,
will execute and deliver to the Trustee and the Depositor a Certification and Exception Report on the Closing Date in the forms
required by the Custodial Agreement.

 

The Trustee, by execution and delivery hereof
and the below-referenced delivery to the Trustee of the Credit File Certification and the Credit File Exception Report, acknowledges
receipt by it (or by the Custodian on its behalf) of the Trustee Credit Files pertaining to the Mortgage Loans listed on the Mortgage
Loan Schedule, subject to review thereof by the Custodian on behalf of the Trustee in accordance with Section 3A.2 of the Custodial
Agreement and the exceptions set forth on the Credit File Exception Report.  The Custodian, on behalf of the Trustee,
will execute and deliver to the Trustee and the Depositor a Credit File Certification and a Credit File Exception Report on the
Closing Date in the respective forms required by the Custodial Agreement.

 

(b)           Within
270 days after the Closing Date, the Custodian, on behalf of the Trustee, will, for the benefit of Holders of the Certificates,
review each related Trustee Mortgage File and Trustee Credit File to ascertain that all required documents set forth in the Custodial
Agreement have been received and appear on their face to conform with the requirements set forth in the Custodial Agreement.

 

(c)           Nothing
in this Agreement shall be construed to constitute an assumption by the Trust Fund, the Trustee, the Custodian or the Certificateholders
of any unsatisfied duty, claim or other liability on any Mortgage Loan or to any Mortgagor.

 

(d)           Each
of the parties hereto acknowledges that the Custodian shall perform the applicable review of the related Mortgage Loans and respective
certifications as provided in the Custodial Agreement.

 

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(e)           Upon
execution of this Agreement, the Depositor hereby delivers to the Trustee and the Trustee acknowledges receipt of the Acknowledgements,
together with the Purchase Agreements, the Servicing Agreements and the Mortgage Loan Purchase and Sale Agreement.

 

Section
2.03               Representations and Warranties of
the Depositor.  

 

(a)           The
Depositor hereby represents and warrants to the Trustee, for the benefit of the Certificateholders, and to the Master Servicer
and the Securities Administrator, as of the Closing Date or such other date as is specified, that:

 

(i)           the
Depositor is a corporation duly organized, validly existing and in good standing under the laws governing its creation and existence
and has full corporate power and authority to own its property, to carry on its business as presently conducted, to enter into
and perform its obligations under this Agreement, and to create the trust pursuant hereto;

 

(ii)           the
execution and delivery by the Depositor of this Agreement have been duly authorized by all necessary corporate action on the part
of the Depositor; neither the execution and delivery of this Agreement, nor the consummation of the transactions herein contemplated,
nor compliance with the provisions hereof, will conflict with or result in a breach of, or constitute a default under, any of the
provisions of any law, governmental rule, regulation, judgment, decree or order binding on the Depositor or its properties or the
certificate of incorporation or bylaws of the Depositor;

 

(iii)           the
execution, delivery and performance by the Depositor of this 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;

 

(iv)           this
Agreement has been duly executed and delivered by the Depositor and, assuming due authorization, execution and delivery by the
Trustee, the Master Servicer and the Securities Administrator, constitutes a valid and binding obligation of the Depositor enforceable
against it in accordance with its terms except as such enforceability may be subject to (A) applicable bankruptcy and insolvency
laws and other similar laws affecting the enforcement of the rights of creditors generally and (B) general principles of equity
regardless of whether such enforcement is considered in a proceeding in equity or at law;

 

(v)           there
are no actions, suits or proceedings pending or, to the knowledge of the Depositor, threatened or likely to be asserted, against
or affecting the Depositor, before or by any court, administrative agency, arbitrator or governmental body (A) with respect to
any of the transactions contemplated by this Agreement or (B) with respect to any other matter which in the judgment of the Depositor
will be determined adversely to the Depositor and will if determined adversely to the Depositor materially and adversely affect
it or its business, assets, operations or condition, financial or otherwise, or adversely affect its ability to perform its obligations
under this Agreement;

 

(vi)           immediately
prior to the transfer and assignment of the Mortgage Loans to the Trustee, the Depositor was the sole owner and holder of each
Mortgage Loan, and the Depositor had good and marketable title thereto, and had full right to transfer and sell each Mortgage Loan
to the Trustee free and clear, subject only to (1) liens of current real property taxes and assessments not yet due and payable
and, if the related Mortgaged Property is a condominium unit, any lien for common charges permitted by statute, (2) covenants,
conditions and restrictions, rights of way, easements and other matters of public record as of the date of recording of such Mortgage
acceptable to mortgage lending institutions in the area in which the related Mortgaged Property is located and specifically referred
to in the lender’s title insurance policy or attorney’s opinion of title and abstract of title delivered to the originator
of such Mortgage Loan, and (3) such other matters to which like properties are commonly subject which do not, individually
or in the aggregate, materially interfere with the benefits of the security intended to be provided by the Mortgage, of any encumbrance,
equity, participation interest, lien, pledge, charge, claim or security interest, and had 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;

 

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(vii)           This
Agreement creates either a sale or a valid and continuing security interest (as defined in the UCC), in the Mortgage Loans in favor
of the Trustee, which security interest is prior to all other liens, and is enforceable as such against creditors of and purchasers
from the Depositor;

 

(viii)         
The Mortgage Notes constitute “instruments” within the meaning of the applicable UCC;

 

(ix)           Other
than the security interest or ownership interest granted to the Trustee pursuant to this Agreement, the Depositor has not pledged,
assigned, sold, granted a security interest in, or otherwise conveyed any of the Mortgage Loans.  The Depositor has not
authorized the filing of and is not aware of any financing statement against the Depositor that includes a description of the collateral
covering the Mortgage Loans other than a financing statement relating to the security interest granted to the Trustee hereunder
or that has been terminated.  The Depositor is not aware of any judgment or tax lien filings against the Depositor;

 

(x)           None
of the Mortgage Loans have any marks or notations indicating that such Mortgage Loans have been pledged, assigned or otherwise
conveyed to any Person other than the Trustee; and

 

(xi)           The
Depositor has received all consents and approvals required by the terms of the Mortgage Loans to convey the Mortgage Loans hereunder
to the Trustee.

 

The foregoing representations made in this
Section 2.03 shall survive the termination of this Agreement and shall not be waived by any party hereto.

 

Section
2.04               Discovery of Seller Breach; Repurchase
of Mortgage Loans.

 

(a)           Pursuant
to Section 2 of the Mortgage Loan Purchase and Sale Agreement, the Seller has (i) represented and warranted as of the Closing Date
that, immediately prior to its transfer of Mortgage Loans under the Mortgage Loan Purchase and Sale Agreement, the Seller owned
and had good, valid and marketable title to the Mortgage Loans free and clear of any Lien, claim or encumbrance of any Person and
(ii) made certain other representations and warranties with respect to the Mortgage Loans, and each of the Depositor and the Trustee
intend that the Mortgage Loans (including any Qualified Substitute Mortgage Loans) included in the Trust Fund satisfy such representations
and warranties.  The Depositor, for the benefit of the Trustee and the Certificateholders, hereby assigns any rights
it has against the Seller with respect to such representations and warranties to the Trustee, and the Seller acknowledges that
it has agreed to comply with the provisions of this Section 2.04 in respect of a breach of any of such representations and warranties.

 

    	39

    	 

    

 

It
is understood and agreed that the representations and warranties set forth in Section 2 of the Mortgage Loan Purchase and Sale
Agreement shall survive delivery of the Trustee Mortgage Files and Trustee Credit Files and the sale and assignment of each Mortgage
Loan to the Trustee and shall continue throughout the term of this Agreement.  Upon discovery by the Depositor or
the Seller of the breach by the Seller of any representation or warranty under the Mortgage Loan Purchase and Sale Agreement in
respect of any Mortgage Loan, which materially adversely affects the value of that Mortgage Loan or the interest therein of the
Certificateholders (a “Defective Mortgage Loan”) (each of such parties hereby agreeing to give written notice thereof
to the Trustee and the other of such parties), the Trustee, or its designee, shall promptly notify the Depositor in writing of
such breach and request that the Depositor cure or cause the cure of such breach within 90 days from the earlier of the date that
the Depositor discovered or was notified of such breach, and if the Depositor does not cure or cause the cure of such breach in
all material respects during such period, the Trustee shall enforce the Seller’s obligation under the Mortgage Loan Purchase
and Sale Agreement to repurchase at the Repurchase Price or substitute that Mortgage Loan from the Trust Fund or, other than with
respect to a breach of the representation and warranty as to good, valid and marketable title, make an indemnification payment
with respect to such Mortgage Loan on or prior to the Determination Date following the expiration of such 90-day period; provided,
however, that, in connection with any such breach that could not reasonably have been cured within such 90-day period, the
Seller shall be required to repurchase or substitute or make an indemnification payment with respect to the Mortgage Loan no later
than 120 days after its discovery or notice of such breach, and provided further, that, if such breach would cause the Mortgage
Loan to be other than a “qualified mortgage” (as defined in the Code), then notwithstanding the previous provisions
of this paragraph, the Seller shall be required to repurchase or substitute the Defective Mortgage Loan within 60 days from the
date the defect was discovered and the Seller shall not have the option to make an indemnification payment with respect to such
Mortgage Loan. Each determination as to whether there has been such a breach shall be conducted on a Mortgage Loan-by-Mortgage
Loan basis. The Repurchase Price for the repurchased Mortgage Loan shall be deposited in the Distribution Account, and the Trustee,
or its designee, upon receipt of written certification of such deposit, shall release to the Seller the related Trustee Mortgage
File and Trustee Credit File and shall execute and deliver such instruments of transfer or assignment, in each case without recourse,
representation or warranties, as either party shall furnish to the Trustee and as shall be necessary to vest in such party any
Mortgage Loan released pursuant hereto and the Trustee, or its designee, shall have no further responsibility with regard to such
Trustee Mortgage File and Trustee Credit File (it being understood that the Trustee shall have no responsibility for determining
the sufficiency of such assignment for its intended purpose).  It is understood and agreed that the obligation of the
Seller to cure, to cause the cure of or to repurchase or substitute or make an indemnification payment with respect to any Mortgage
Loan as to which such a breach has occurred and is continuing shall constitute the sole remedy against such party respecting such
omission, defect or breach available to the Trustee on behalf of the Certificateholders. Costs
and expenses incurred by the Trustee pursuant to this Section 2.04, to the extent not reimbursed by the Seller, shall be reimbursed
by the Trust Fund, subject to the limitation in clause (C) of the definition of Available Distribution Amount. 

 

(b)          The
Seller indemnifies and holds the Trust Fund, the Trustee, the Master Servicer, the Securities Administrator, the Depositor and
each Certificateholder harmless against any and all taxes, claims, losses, penalties, fines, forfeitures, reasonable legal fees
and related costs, judgments, and any other costs, fees and expenses that the Trust Fund, the Trustee, the Master Servicer, the
Securities Administrator, the Depositor and any Certificateholder may sustain in connection with any actions of the Seller relating
to a repurchase of a Mortgage Loan other than in compliance with the terms of this Section 2.04 and the Mortgage Loan Purchase
and Sale Agreement, to the extent that any such action causes an Adverse REMIC Event.

  

Section
2.05               Obligations in Respect of Alleged
Breach of Originator Representations and Warranties.

 

(a)
          (i)          The Trustee shall
be obligated to pursue an action against an Originator in respect of any alleged breach of a representation and warranty set forth
in the applicable Purchase Agreement or against the Seller if the Seller has an obligation to cure a breach, repurchase or substitute
for or make an indemnification payment with respect to a Mortgage Loan under the Mortgage Loan Purchase and Sale Agreement upon
its receipt of (1) (A) written direction to do so by the Holders of more than 50% of the Aggregate Voting Interests of the
Senior Certificates, for so long as there is a Controlling Holder under this Agreement or (B) written direction to do so by the
Holders of more than 50% of the Aggregate Voting Interests of the Certificates, if there is no Controlling Holder under this Agreement
and (2) an agreement by Holders directing the Trustee to take such action to provide in advance to the Trustee funds to pay for
any fees, costs and expenses incurred by the Trustee, and to provide any indemnification reasonably requested by the Trustee. The
Trustee shall provide notice to the Controlling Holder prior to taking any such action. However, Certificateholders shall not have
the right to require the Trustee to pursue any action with respect to any Mortgage Loan as to which a final and binding decision
by an arbitrator has already been issued, regardless of the particular claims made. In connection with any such action described
in this Section 2.05(a)(i), the Trustee shall seek reimbursement for its fees, costs and expenses from the applicable Originator
under the terms of the related Purchase Agreement or from the Seller under the terms of the Mortgage Loan Purchase and Sale Agreement
if directed to do so by the Certificateholders that provided such funds to the Trustee pursuant to the agreement described in clause
(2) above. If the Trustee recovers any such fees, costs and expenses from the Originator or the Seller, as applicable, the Trustee
shall pay such amounts to such Certificateholders. To the extent the Trustee is not reimbursed by the Originator or the Seller,
as applicable, or the applicable Certificateholders, the Trustee shall be reimbursed by the Trust Fund, subject to the limitation
in clause (C) of the definition of Available Distribution Amount.

 

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(ii)
          In addition, if the Trustee receives written notice, from a Person
in a position to have knowledge of the facts and circumstances stated in such notice, of any breach of a representation or warranty
regarding a Mortgage Loan made by an Originator or the Seller, which would give rise to an obligation to cure such breach, or repurchase,
substitute for or make an indemnification payment with respect to any related Mortgage Loan as described herein, then, unless a
final and binding decision by an arbitrator has been issued with respect to such Mortgage Loan, the Trustee in reliance on such
notice shall (i) demand that the applicable Originator or the Seller, if the Seller has such an obligation, cure such breach, or
repurchase, substitute for or make an indemnification payment with respect to the related Mortgage Loan, and (ii) notify the Certificateholders
of the Trustee’s receipt of such notice and of the Trustee’s submission of such demand. If the Originator or Seller,
as applicable, responds to the demand within 60 days of the date of the demand, the Trustee will negotiate with such party so long
as such party is pursuing negotiations in good faith. If the Originator or Seller does not respond within 60 days of the date of
the demand, or if the demand is not resolved within 180 days of such date, then the Trustee will not be required to pursue further
action in connection with such demand unless it has received (i) (a) written direction to do so by the Holders of more than 50%
of the Aggregate Voting Interests of the Senior Certificates, if there is a Controlling Holder under this Agreement or (b) written
direction to do so by the Holders of more than 50% of the Aggregate Voting Interests of the Certificates, if there is no longer
a Controlling Holder under this Agreement and (ii) an agreement by Holders directing the Trustee to take such action to provide
in advance to the Trustee funds to pay for any fees, costs and expenses incurred by the Trustee, and provide any indemnification
reasonably requested by the Trustee. Prior to taking any action at the direction of Certificateholders, the Trustee will notify
the Controlling Holder, if any. The Trustee shall seek to recover its fees, costs and expenses from the Originator under the terms
of the applicable Purchase Agreement or from the Seller under the terms of the Mortgage Loan Purchase and Sale Agreement if directed
to do so by the Certificateholders that provided such funds to the Trustee as described above. If the Trustee recovers any such
fees, costs and expenses, it will be obligated to pay such amounts to such Certificateholders. To the extent not reimbursed by
the Originator or the Seller, as applicable, or the fees, costs and expenses of applicable Certificateholders, the Trustee shall
be reimbursed by the Trust Fund, subject to the limitation in clause (C) of the definition of Available Distribution Amount.

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(b)
          (i)         The Master
Servicer shall promptly notify the Controlling Holder (if any) and the Trustee of each Mortgage Loan that becomes Delinquent for
more than 120 days. The Controlling Holder or, if there is no longer a Controlling Holder, the Trustee, shall engage a third party
to review each Mortgage Loan that has been Delinquent for more than 120 days, other than any such Mortgage Loan that was the subject
of a previous arbitration proceeding under the related Purchase Agreement or under the Mortgage Loan Purchase and Sale Agreement,
to review whether any breaches of the representations and warranties given by an Originator under the related Purchase Agreement
have occurred or if the Seller has an obligation to cure a breach, repurchase or substitute for or make an indemnification payment
with respect to a Mortgage Loan under the Mortgage Loan Purchase and Sale Agreement. Such third party shall be a recognized third
party with experience performing due diligence on residential mortgage loans and shall not be the same party that performed the
pre-offering review of the Mortgage Loans. Any such review shall include, at a minimum, a review as to whether the Mortgage Loan
was underwritten in accordance with the Originator's underwriting standards in effect at the time of origination, whether the Mortgage
Loan was originated in accordance with all applicable laws and regulations, and whether any fraud may have occurred in connection
with the origination of the Mortgage Loan. The third party shall report its findings and provide an attestation that its review
and report have not been influenced or affected by interested parties. If, as a result of such review, there is evidence that a
breach of a representation or warranty may have occurred requiring the Originator or the Seller to cure such breach, repurchase
or substitute for or make an indemnification payment with respect to the related Mortgage Loan, then the Controlling Holder or
the Trustee, as applicable, will enforce such obligation, including participating in an arbitration proceeding pursuant to the
related Purchase Agreement or the Mortgage Loan Purchase and Sale Agreement, if necessary. If the Controlling Holder is the same
entity as or an Affiliate of the party against which an enforcement action is to be taken, then the Trustee will enforce the remedy
obligation of such party. If the Trustee is obligated to take such an action, the Trustee shall first (i) demand that the applicable
Originator or the Seller, if the Seller has such an obligation, cure such breach, or repurchase, substitute for or make an indemnification
payment with respect to the related Mortgage Loan, and (ii) notify the Certificateholders of the Trustee’s submission of
such demand. If the Originator or Seller, as applicable, responds to the demand within 60 days of the date of the demand, the Trustee
will negotiate with such party so long as such party is pursuing negotiations in good faith. If the Originator or Seller does not
respond within 60 days of the date of the demand, or if the demand is not resolved within 180 days of such date, then the Trustee
will not be required to pursue further action in connection with such demand unless it has received (i) (a) written direction to
do so by the Holders of more than 50% of the Aggregate Voting Interests of the Senior Certificates, if there is a Controlling Holder
under this Agreement or (b) written direction to do so by the Holders of more than 50% of the Aggregate Voting Interests of the
Certificates, if there is no longer a Controlling Holder under this Agreement and (ii) an agreement by Holders directing the Trustee
to take such action to provide in advance to the Trustee funds to pay for any fees, costs and expenses incurred by the Trustee,
and provide any indemnification reasonably requested by the Trustee. In connection with any such action against an Originator or
the Seller, the Trustee shall pursue reimbursement for its fees, costs and expenses from such Originator under the terms of the
related Purchase Agreement or from the Seller under the terms of the Mortgage Loan Purchase and Sale Agreement, if directed to
do so by the Certificateholders that provided such funds to the Trustee as described above. If the Trustee recovers any such fees,
costs and expenses, it will be obligated to pay these amounts to such Certificateholders. To the extent not reimbursed by the Originator
or the Seller, as applicable, or the applicable Certificateholders, the Trustee shall be reimbursed by the Trust Fund, subject
to the limitation in clause (C) of the definition of Available Distribution Amount.

 

(ii)          If,
as a result of a review of a Mortgage Loan conducted pursuant to Section 2.05(b)(i) above, the Controlling Holder or the Trustee,
as applicable, concludes that a breach of a representation or warranty that would require the Originator or the Seller to cure,
repurchase or substitute for or make an indemnification payment with respect to the related Mortgage Loan has not occurred, then
such party shall notify the Securities Administrator in writing and the Certificateholders shall be notified of this decision and
provided details of the review pursuant to a Distribution Date Statement; provided, that the Securities Administrator shall only
be required to include such notification and any related details on any Distribution Date Statement to the extent it has received
the same. The Certificateholders may direct the Trustee to enforce a remedy obligation despite such a determination by either the
Controlling Holder or the Trustee if, within thirty days of notification of the Certificateholders, (i) the Trustee receives written
direction to do so by the Holders of more than 50% of the Aggregate Voting Interests of the Certificates and (ii) the Holders directing
the Trustee to enforce the remedy obligation agree to provide in advance to the Trustee funds to pay for any costs and expenses
incurred by the Trustee and to provide any indemnification reasonably requested by the Trustee. In connection with any such action
against an Originator or the Seller, the Trustee shall pursue reimbursement for its fees, costs and expenses from such Originator
under the terms of the related Purchase Agreement or from the Seller under the terms of the Mortgage Loan Purchase and Sale Agreement,
if directed to do so by the Certificateholders that provided such funds to the Trustee as described above. If the Trustee recovers
any such fees, costs and expenses, it will be obligated to pay such amounts to such Certificateholders. To the extent not reimbursed
by the originator or the seller, as applicable, or the applicable Certificateholders, the Trustee shall be reimbursed by the Trust
Fund, subject to the limitation in clause (C) of the definition of Available Distribution Amount.

 

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(c)           If
an Originator has breached a representation under the related Purchase Agreement stating that a Mortgage Loan is a “qualified
mortgage” (as defined in the REMIC Provisions) and the Originator fails to repurchase such non-qualified Mortgage Loan within
ninety days from the date the defect was discovered, the Depositor shall use commercially reasonable efforts to sell such Mortgage
Loan for its fair market value, as determined by the Depositor and which may be less than its outstanding principal balance, within
ninety days from the date the defect was discovered. The Trustee will release the applicable Mortgage Loan upon receipt of the
sale price in accordance with the procedures set forth in Section 2.04(a) hereof.

 

Section
2.06                Intention of Parties.

 

(a)           Notwithstanding
any other provision of this Agreement, it is intended by each of the parties hereto that the conveyance of the Depositor’s
right, title and interest in and to property constituting the Trust Fund pursuant to this Agreement shall constitute, and shall
be construed as, a sale of such property and not a grant of a security interest to secure a loan or other obligation, so that the
Trustee shall be the owner of the Trust Fund for the benefit of the holders of the Certificates.

 

However,
in the event that, notwithstanding the intent of the parties, the Trust Fund is held to be the property
of the Depositor, or if for any other reason this Agreement is held or deemed to create a security interest in the Trust Fund,
then (a) this Agreement shall constitute a security agreement, and (b) the conveyance provided for in Section 2.01 shall be deemed
to be a grant by the Depositor to the Trustee of, and the Depositor hereby grants to the Trustee, to secure all of the Depositor’s
obligations hereunder, a security interest in all of the Depositor’s right, title, and interest, whether now owned or hereafter
acquired, in and to (i) the Mortgage Loans, (ii) all other property in the Trust Fund, (iii) all accounts, chattel paper, deposit
accounts, documents, general intangibles, goods, instruments, investment property, letter of credit rights, letters of credit,
money, and oil, gas, and other minerals, consisting of, arising from, or relating to, any of the foregoing, and (iv) all proceeds
of the foregoing.

 

(b)           The
Depositor shall, to the extent consistent with this Agreement, take such reasonable actions as may be necessary to ensure that,
if this Agreement were deemed to create a security interest in the Trust Fund, such security interest would be a perfected security
interest of first priority under applicable law and will be maintained as such throughout the term of this Agreement.  The
Depositor will, at its own expense, make all initial filings on or about the Closing Date and shall forward a copy of such filing
or filings to the Trustee.  Without limiting the generality of the foregoing, the Depositor shall prepare and forward
for filing, or shall cause to be forwarded for filing, at the expense of the Depositor, all filings necessary to maintain the effectiveness
of any original filings necessary under the relevant UCC to perfect the Trustee’s security interest in the Trust Fund, including
without limitation (i) continuation statements, and (ii) such other statements as may be occasioned by (A) any change of name of
the Seller, the Depositor or the Trustee, (B) any change of location of the Seller or the Depositor, or (C) any change under the
relevant UCC or other applicable laws.  Neither of the Seller nor the Depositor shall organize under the law of any jurisdiction
other than the State under which each is organized as of the Closing Date (whether changing its jurisdiction of organization or
organizing under the laws of an additional jurisdiction) without giving 30 days prior written notice of such action to its immediate
and intermediate transferee, including the Trustee.  Before effecting such change, the Seller or the Depositor proposing
to change its jurisdiction of organization shall prepare and file in the appropriate filing office any financing statements or
other statements necessary to continue the perfection of the interests of its immediate and mediate transferees, including the
Trustee, in the Mortgage Loans.  In connection with the transactions contemplated by this Agreement, each of the Seller
and the Depositor authorizes its immediate or mediate transferee to file in any filing office any initial financing statements,
any amendments to financing statements, any continuation statements, or any other statements or filings described in this paragraph
(b).

 

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Section
2.07              Controlling
Holder Assumption of Purchase Agreement and Servicing Agreement Rights.

 

(a)           [Reserved].

 

(b)            By
its purchase of the applicable Class of Subordinate Certificates, the Controlling Holder assumes the rights and all related responsibilities
of the Trustee as “Purchaser” under each Purchase Agreement and Servicing Agreement as set forth in the “Controlling
Holder Rights” section of each applicable Acknowledgement, and shall be entitled to exercise such rights in its sole discretion.
The Depositor, the Controlling Holder and each other Certificateholder, by its acceptance of any Certificate or any beneficial
ownership interest therein, each acknowledges and agrees that (i) the Controlling Holder may exercise such rights in such a manner
that may not be in the best interests of all of the Certificateholders, (ii) none of the Master Servicer, the Securities Administrator
or the Trustee shall have any liability with respect to any acts or omissions of the Controlling Holder in the exercise of such
rights, and (iii) none of the Master Servicer, the Securities Administrator or the Trustee shall have any duty or obligation to
exercise any such rights in the place or stead of the Controlling Holder (so long as there is a Controlling Holder) or to monitor
or oversee the exercise of any such rights by the Controlling Holder. The Controlling Holder agrees that it shall exercise its
rights in such a manner as will maximize returns to all Classes of Certificateholders taken as a whole.

 

(c)            Each
of the Master Servicer, the Securities Administrator and the Trustee shall cooperate with the Controlling Holder as may be reasonably
necessary for the Controlling Holder to exercise its rights hereunder and under the Purchase Agreements and the Servicing Agreements;
provided, however, that, except as otherwise provided in Section 2.05, the Trustee shall not be required to take any legal action
or participate in or facilitate any arbitration proceeding or other litigation relating to the Mortgage Loans or the obligations
of the Originators or Servicers with respect thereto unless and until it is directed in writing by the Controlling Holder and it
is assured of the recovery of its expenses from the Controlling Holder.

 

(d)            The
Controlling Holder shall indemnify each of the Master Servicer, the Securities Administrator and the Trustee and hold it harmless
from and against any claim, loss, liability, damage, cost or expense (including, without limitation, reasonable legal fees and
expenses) incurred or expended by the Master Servicer, the Securities Administrator or the Trustee (without negligence or willful
misconduct on the part of the Master Servicer, the Securities Administrator or the Trustee) with respect to claims of a third party
arising from any act or omission of the Controlling Holder in the exercise of its rights as Controlling Holder hereunder and under
the Purchase Agreements and the Servicing Agreements.

 

(e)            If
the Controlling Holder transfers its ownership interest in any Class of Certificates in a manner resulting in there being no Controlling
Holder under this Agreement or a change in the Controlling Holder, it shall so notify the Master Servicer, the Securities Administrator
and the Trustee. If the Depositor has actual knowledge of a change in Controlling Holder or that there is no Controlling Holder
under this Agreement, it shall so notify the Master Servicer, the Securities Administrator and the Trustee.

 

Section 2.08           Obligations
in Respect of Proposed Eminent Domain Mortgage Loan Acquisition

 

(a)            The
Master Servicer or the Trustee shall promptly notify the Controlling Holder (if any), and the Master Servicer or the Trustee, as
applicable, if it has received notice that any governmental entity intends to acquire a Mortgage Loan through the exercise of its
power of eminent domain. The Controlling Holder shall obtain or cause to be obtained or, if there is no longer a Controlling Holder,
the Trustee shall cause the related Servicer to obtain, a valuation on the related property in the form of a broker’s price
opinion or another valuation method that it deems appropriate. The Controlling Holder, if any, may also engage a third party to
review each such Mortgage Loan to determine whether the payment offered by such governmental entity for the Mortgage Loan is the
fair market value (the “Fair Value”) of such Mortgage Loan. Any such third party reviewer must be a recognized third
party with experience performing valuations of residential mortgage loans. The Controlling Holder, if any, also may engage legal
counsel to assess the legality of such governmental entity’s proposed exercise of its power of eminent domain to acquire
the Mortgage Loan to determine whether there are bona fide legal grounds for contesting such acquisition (without regard to issues
relating to the amount of compensation to be paid) (each such determination referred to herein as a “legality determination”).
If, as a result of such review, the Controlling Holder determines that the offered payment does not constitute the Fair Value of
the Mortgage Loan or that there may be bona fide legal grounds to contest such proposed acquisition, then the Controlling Holder
may contest such acquisition through appropriate legal proceedings.

 

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(b)            If,
as a result of a review conducted pursuant to Section 2.08(a) above, the Controlling Holder concludes that it will not contest
the proposed acquisition, then the Controlling Holder shall notify the Securities Administrator and the Trustee in writing and
the Securities Administrator shall notify the Certificateholders of this decision and provide details of the review pursuant to
a Distribution Date Statement; provided, that the Securities Administrator shall only be required to include such notification
and any related details on any Distribution Date Statement to the extent it has received the same. After such notification has
been delivered, notwithstanding such a determination by the Controlling Holder, the Certificateholders may direct the Trustee to
contest an acquisition of a Mortgage Loan through exercise of the power of eminent domain, or the amount of the offered payment
for such Mortgage Loan, if, within thirty days of notification of the Certificateholders, (i) the Trustee receives written direction
to do so by the Holders of more than 50% of the Aggregate Voting Interests of the Certificates and (ii) the Holders directing the
Trustee to take such action agree to provide in advance to the Trustee funds to pay for any fees, costs and expenses incurred by
the Trustee and to provide any indemnification reasonably requested by the Trustee. In connection with any such action, the Trustee
shall pursue reimbursement for its fees, costs and expenses from the governmental entity, if directed to do so by the Certificateholders
that provided such funds to the Trustee as described above. If the Trustee recovers any such fees, costs and expenses, it shall
be obligated to pay such amounts to such Certificateholders unless the Certificateholders directing the Trustee have not satisfied
their obligations to pay the fees, costs, expenses and indemnities of the Trustee in taking such action, in which case such amounts
shall be retained by the Trustee for such purposes. To the extent not reimbursed by the governmental entity or the Certificateholders,
the Trustee shall be reimbursed by the Trust Fund for any costs incurred by it in connection with the performance of such duties,
subject to the limitation in clause (C) of the definition of Available Distribution Amount.

 

(c)            If
there is no longer a Controlling Holder, the Trustee shall notify the Certificateholders that it has received notice that a governmental
entity intends to acquire a Mortgage Loan through the exercise of its power of eminent domain and of the results of the valuation
on the related property obtained. The Trustee shall take such other actions with respect to the action of the governmental authority
as are consistent with the instructions of the Certificateholders, provided the Trustee shall have no duty or obligation to take
such actions except (i) in accordance with the written direction by the Holders of more than 50% of the Aggregate Voting Interests
of the Certificates and (ii) an agreement by Holders directing the Trustee to take such action to provide in advance to the Trustee
funds to pay for any fees, costs and expenses incurred by the Trustee, and provide any indemnification reasonably requested by
the Trustee. In connection with any such action, the Trustee shall pursue reimbursement for its fees, costs and expenses from such
governmental entity if directed to do so by the Certificateholders that provided such funds to the Trustee as described above.
If the Trustee recovers any such fees, costs and expenses, it shall be obligated to reimburse such amounts to such Certificateholders
unless the Certificateholders directing the Trustee have not satisfied their obligations to pay the fees, costs, expenses and indemnities
of the Trustee in taking such action, in which case such amounts shall be retained by the Trustee for such purposes. To the extent
not reimbursed by the governmental entity or the Certificateholders, the Trustee shall be reimbursed by the Trust Fund for any
costs incurred by it in connection with the performance of such duties, subject to the limitation in clause (C) of the definition
of Available Distribution Amount.

 

For the avoidance of doubt, neither the
Controlling Holder nor The trustee shall be liable for any legality determination or determination of Fair Value made as described
above, or any actions taken by them with respect to or in reliance on such determinations.

 

(d)            In
performing its duties under this Section 2.08, each of the Controlling Holder and the Trustee may rely upon, and shall be protected
in acting or refraining from acting upon, any legality determination by a nationally recognized law firm and any determination
of Fair Value by a recognized third party with experience in performing valuations of residential mortgage loans.

 

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ARTICLE III

 

THE CERTIFICATES

 

Section
3.01           The Certificates. 

 

(a)           The
Certificates shall be issuable in registered form only and shall be securities governed by Article 8 of the New York UCC.  The
Certificates will be evidenced by one or more certificates, ownership of which will be held in the minimum denominations in Certificate
Principal Amount or Notional Amount specified in the Preliminary Statement to this Agreement and in integral multiples of $1 in
excess thereof, or in the Percentage Interests specified in the Preliminary Statement to this Agreement, as applicable.

 

(b)           The
Certificates shall be executed by manual or facsimile signature on behalf of the Trustee by an authorized officer of the Trustee.  Each
Certificate shall, on original issue, be authenticated by the Authenticating Agent upon the order of the Depositor upon the sale
of the Mortgage Loans to the Trustee as described in Section 2.01.  No Certificate shall be entitled to any benefit under
this Agreement, or be valid for any purpose, unless there appears on such Certificate a certificate of authentication substantially
in the form provided for herein, executed by an authorized officer of the Authenticating Agent, by manual signature, and such certification
upon any Certificate shall be conclusive evidence, and the only evidence, that such Certificate has been duly authenticated and
delivered hereunder.  All Certificates shall be dated the date of their authentication.  

 

(c)           The
Class B-4, Class B-5, Class R and Class LT-R Certificates are offered and sold in reliance on the exemption from registration under
Rule 144A under the Securities Act and shall be issued with the applicable legends set forth in Exhibit A. The Class B-4 and Class
B-5 Certificates shall be issued initially as Definitive Certificates and the Class R and Class LT-R Certificates shall be issued
only as Definitive Certificates.  

 

Section
3.02           Registration. 

 

The Securities Administrator is hereby appointed,
and the Securities Administrator hereby accepts its appointment as, initial Certificate Registrar in respect of the Certificates
and shall maintain books for the registration and for the transfer of Certificates (the “Certificate Register”). 
A registration book shall be maintained for the Certificates collectively.  The Certificate Registrar may at any time
resign by giving at least 30 days' advance written notice of resignation to the Trustee, the Depositor and the Master Servicer.
The Trustee may at any time remove the Certificate Registrar by giving written notice of such removal to such Certificate Registrar,
the Depositor and the Master Servicer. Upon receiving a notice of resignation or upon such a removal, the Trustee may appoint a
bank or trust company to act as successor certificate registrar, shall give written notice of such appointment to the Depositor
and the Master Servicer and shall mail notice of such appointment to all Holders of Certificates. Any successor certificate registrar
upon acceptance of its appointment hereunder shall become vested with all the rights, powers, duties and responsibilities of its
predecessor hereunder, with like effect as if originally named as Certificate Registrar. The Certificate Registrar may appoint,
by a written instrument delivered to the Holders and the Master Servicer, any bank or trust company to act as co-registrar under
such conditions as the Certificate Registrar may prescribe; provided, however, that the Certificate Registrar shall not
be relieved of any of its duties or responsibilities hereunder by reason of such appointment.

 

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Section
3.03           Transfer and Exchange of Certificates. 

 

(a)           A
Certificate (other than Book-Entry Certificates which shall be subject to Section 3.09 hereof) may be transferred by the Holder
thereof only upon presentation and surrender of such Certificate at the office of the Certificate Registrar duly endorsed or accompanied
by an assignment duly executed by such Holder or his duly authorized attorney in such form as shall be satisfactory to the Certificate
Registrar.  Upon the transfer of any Certificate in accordance with the preceding sentence, the Trustee shall execute,
and the Authenticating Agent shall authenticate and deliver to the transferee, one or more new Certificates of the same Class and
evidencing, in the aggregate, the same aggregate Certificate Principal Amount (or Notional Amount) as the Certificate being transferred.  No
service charge shall be made to a Certificateholder for any registration of transfer of Certificates, but 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 registration
of transfer of Certificates.

 

(b)           A
Certificate may be exchanged by the Holder thereof for any number of new Certificates of the same Class, in authorized denominations,
representing in the aggregate the same Certificate Principal Amount (or Notional Amount) as the Certificate surrendered, upon surrender
of the Certificate to be exchanged at the office of the Certificate Registrar duly endorsed or accompanied by a written instrument
of transfer duly executed by such Holder or his duly authorized attorney in such form as is satisfactory to the Certificate Registrar.  Certificates
delivered upon any such exchange will evidence the same obligations, and will be entitled to the same rights and privileges, as
the Certificates surrendered.  No service charge shall be made to a Certificateholder for any exchange of Certificates,
but 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 exchange of Certificates.  Whenever any Certificates are so surrendered for exchange, the Trustee
shall execute, and the Authenticating Agent shall authenticate, date and deliver the Certificates which the Certificateholder making
the exchange is entitled to receive.

 

(c)           By
acceptance of a Restricted Certificate, whether upon original issuance or subsequent transfer, each Holder of such a Certificate
acknowledges the restrictions on the transfer of such Certificate set forth thereon and agrees that it will transfer such a Certificate
only as provided herein.

 

The following restrictions shall apply with
respect to the transfer and registration of transfer of a Restricted Certificate to a transferee that takes delivery in the form
of a Definitive Certificate:

 

(i)           The
Certificate Registrar shall register the transfer of a Restricted Certificate if the requested transfer is (x) to the Depositor
or an affiliate (as defined in Rule 405 under the Securities Act) of the Depositor or (y) being made to a “qualified institutional
buyer” (a “QIB”) as defined in Rule 144A under the Securities Act by a transferor that has provided the Certificate
Registrar with a certificate in the form of Exhibit E-1 hereto and has furnished to the Certificate Registrar a certificate of
the transferee in the form of Exhibit E-2 hereto; and

 

(ii)           The
Certificate Registrar shall register the transfer of a Restricted Certificate if the requested transfer is being made to an “accredited
investor” under Rule 501(a)(1), (2), (3) or (7) under the Securities Act, or to any Person all of the equity owners
in which are such accredited investors, by a transferor who furnishes to the Certificate Registrar a letter of the transferee substantially
in the form of Exhibit F hereto.

 

(d) (i) No transfer of an ERISA-Restricted
Certificate in the form of a Definitive Certificate shall be made to any Person or shall be effective unless the Certificate Registrar,
on behalf of the Securities Administrator, has received (A) a certificate substantially in the form of Exhibit G hereto (or Exhibit
B, in the case of a Residual Certificate) from such transferee or (B) in the case of an ERISA-Restricted Certificate that is not
a Residual Certificate, an Opinion of Counsel satisfactory to the Certificate Registrar to the effect that the purchase and holding
of such a Certificate will not constitute or result in prohibited transactions under Title I of ERISA or Section 4975 of the Code
and will not subject the Certificate Registrar, the Trustee, the Master Servicer, the Depositor or the Securities Administrator
to any obligation in addition to those undertaken in this Agreement; provided, however, that the Certificate Registrar will
not require such certificate or opinion in the event that, as a result of a change of law or otherwise, counsel satisfactory to
the Certificate Registrar has rendered an opinion to the effect that the purchase and holding of an ERISA-Restricted Certificate
(other than a Residual Certificate) by a Plan or a Person that is purchasing or holding such a Certificate with the assets of a
Plan will not constitute or result in a prohibited transaction under Title I of ERISA or Section 4975 of the Code.  Each
Transferee of an ERISA-Restricted Certificate that is a Book-Entry Certificate shall be deemed to have made the representations
set forth in Exhibit G.  The preparation and delivery of the certificate and opinions referred to above shall not be
an expense of the Trust Fund, the Certificate Registrar, the Trustee, the Master Servicer, the Depositor or the Securities Administrator.

 

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Notwithstanding the foregoing, no opinion
or certificate shall be required for the initial issuance of the ERISA-Restricted Certificates.  The Certificate Registrar
shall have no obligation to monitor transfers of Book-Entry Certificates that are ERISA-Restricted Certificates and shall have
no liability for transfers of such Certificates in violation of the transfer restrictions.  The Certificate Registrar
shall be under no liability to any Person for any registration of transfer of any ERISA-Restricted Certificate that is in fact
not permitted by this Section 3.03(d) and none of the Securities Administrator, the Trustee or the Paying Agent shall have any
liability 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 Certificate Registrar in accordance
with the foregoing requirements.  The Securities Administrator, on behalf of the Trustee, shall be entitled, but not
obligated, to recover from any Holder of any ERISA-Restricted Certificate that was in fact a Plan or a Person acting on behalf
of, or an entity holding “plan assets” of, a Plan any payments made on such ERISA-Restricted Certificate at and after
either such time.  Any such payments so recovered by the Securities Administrator shall be paid and delivered by the
Securities Administrator to the last preceding Holder of such Certificate that is not such a Plan or Person acting on behalf of,
or an entity holding “plan assets” of, a Plan.

 

(ii) If any ERISA-Restricted Certificate,
or any interest therein, is acquired or held in violation of the provisions of the preceding two paragraphs, then upon receipt
by the Certificate Registrar of written notice that the registration of transfer of such ERISA-Restricted Certificate was not permitted
by this Section 3.03(d), the next preceding permitted beneficial owner will be treated as the beneficial owner of that ERISA-Restricted
Certificate, retroactive to the date of transfer to the purported beneficial owner.  Any purported beneficial owner whose
acquisition or holding of an ERISA-Restricted Certificate, or interest therein, was effected in violation of the provisions of
the preceding paragraph shall indemnify to the extent permitted by law and hold harmless the Depositor and the Certificate Registrar
from and against any and all liabilities, claims, costs or expenses incurred by such parties as a result of such acquisition or
holding.

 

(e)           As
a condition of the registration of transfer or exchange of any Certificate, the Certificate Registrar may require the certified
taxpayer identification number of the owner of the Certificate and the payment of a sum sufficient to cover any tax or other governmental
charge imposed in connection therewith; provided, however, that the Certificate Registrar shall have no obligation to require
such payment or to determine whether or not any such tax or charge may be applicable.  No service charge shall be made
to the Certificateholder for any registration, transfer or exchange of a Certificate.

 

(f)           Notwithstanding
anything to the contrary contained herein, no Residual Certificate may be owned, pledged or transferred, directly or indirectly,
by or to (i) a Disqualified Organization or (ii) an individual, corporation or partnership or other person unless such person is
(A) not a Non-U.S. Person or (B) is a Non-U.S. Person that holds a Residual Certificate in connection with the conduct of a trade
or business within the United States and has furnished the transferor and the Certificate Registrar with an effective Internal
Revenue Service Form W-8ECI or successor form at the time and in the manner required by the Code (any such person who is not covered
by clause (A) or (B) above is referred to herein as a “Non-permitted Foreign Holder”).

 

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Prior to and as a condition of the registration
of any transfer, sale or other disposition of a Residual Certificate, the proposed transferee shall deliver to the Certificate
Registrar, on behalf of the Trustee, an affidavit in substantially the form attached hereto as Exhibit B representing and warranting,
among other things, that such transferee is neither a Disqualified Organization, an agent or nominee acting on behalf of a Disqualified
Organization, nor a Non-permitted Foreign Holder (any such transferee, a “Permitted Transferee”), and the proposed
transferor shall deliver to the Certificate Registrar an affidavit in substantially the form attached hereto as Exhibit C.  In
addition, the Certificate Registrar may (but shall have no obligation to) require, prior to and as a condition of any such transfer,
the delivery by the proposed transferee of an Opinion of Counsel, addressed to the Certificate Registrar and the Depositor, that
such proposed transferee or, if the proposed transferee is an agent or nominee, the proposed beneficial owner, is not a Disqualified
Organization, agent or nominee thereof, or a Non-permitted Foreign Holder.  Notwithstanding the registration in the Certificate
Register of any transfer, sale, or other disposition of a Residual Certificate to a Disqualified Organization, an agent or nominee
thereof, or Non-permitted Foreign Holder, such registration shall be deemed to be of no legal force or effect whatsoever and such
Disqualified Organization, agent or nominee thereof, or Non-permitted Foreign Holder shall not be deemed to be a Certificateholder
for any purpose hereunder, including, but not limited to, the receipt of distributions on such Residual Certificate.  The
Depositor, the Certificate Registrar, the Trustee, the Securities Administrator and the Paying Agent shall be under no liability
to any Person for any registration or transfer of a Residual Certificate to a Disqualified Organization, agent or nominee thereof
or Non-permitted Foreign Holder or for the Paying Agent making any payments due on such Residual Certificate to the Holder thereof
or for taking any other action with respect to such Holder under the provisions of this Agreement, so long as the transfer was
effected in accordance with this Section 3.03(f), unless a Responsible Officer of the Certificate Registrar shall have actual knowledge
at the time of such transfer or the time of such payment or other action that the transferee is a Disqualified Organization, or
an agent or nominee thereof, or Non-permitted Foreign Holder.  The Certificate Registrar shall be entitled, but not obligated,
to recover from any Holder of a Residual Certificate that was a Disqualified Organization, agent or nominee thereof, or Non-permitted
Foreign Holder at the time it became a Holder or any subsequent time it became a Disqualified Organization, agent or nominee thereof,
or Non-permitted Foreign Holder, all payments made on such Residual Certificate at and after either such times (and all costs and
expenses, including but not limited to attorneys’ fees, incurred in connection therewith).  Any payment (not including
any such costs and expenses) so recovered by the Certificate Registrar shall be paid and delivered to the last preceding Holder
of such Residual Certificate.

 

If any purported transferee shall become
a registered Holder of a Residual Certificate in violation of the provisions of this Section 3.03(f), then upon receipt by the
Certificate Registrar of written notice that the registration of transfer of such Residual Certificate was not in fact permitted
by this Section 3.03(f), the last preceding Permitted Transferee shall be restored to all rights as Holder thereof retroactive
to the date of such registration of transfer of such Residual Certificate.  The Depositor, the Certificate Registrar,
the Securities Administrator, the Trustee and the Paying Agent shall be under no liability to any Person for any registration of
transfer of a Residual Certificate that is in fact not permitted by this Section 3.03(f), or for the Paying Agent making any payment
due on such Certificate to the registered Holder thereof or for taking any other action with respect to such Holder under the provisions
of this Agreement so long as the transfer was registered upon receipt of the affidavit described in the preceding paragraph of
this Section 3.03(f).

 

The following legend shall appear on all Residual
Certificates:

 

ANY RESALE, TRANSFER OR OTHER DISPOSITION OF THIS
CERTIFICATE MAY BE MADE ONLY IF THE PROPOSED TRANSFEREE PROVIDES A TRANSFER AFFIDAVIT TO THE DEPOSITOR AND THE CERTIFICATE REGISTRAR,
ON BEHALF OF THE TRUSTEE THAT (1) SUCH TRANSFEREE IS NOT EITHER (A) THE UNITED STATES, ANY STATE OR POLITICAL SUBDIVISION THEREOF,
ANY FOREIGN GOVERNMENT, ANY INTERNATIONAL ORGANIZATION, OR ANY AGENCY OR INSTRUMENTALITY OF ANY OF THE FOREGOING, (B) ANY ORGANIZATION
(OTHER THAN A COOPERATIVE DESCRIBED IN SECTION 521 OF THE CODE) WHICH IS EXEMPT FROM THE TAX IMPOSED BY CHAPTER 1 OF THE CODE UNLESS
SUCH ORGANIZATION IS SUBJECT TO THE TAX IMPOSED BY SECTION 511 OF THE CODE, (C) ANY ORGANIZATION DESCRIBED IN SECTION 1381(a)(2)(C)
OF THE CODE, (D) AN ELECTING LARGE-PARTNERSHIP WITHIN THE MEANING OF SECTION 775 OF THE CODE (ANY SUCH PERSON DESCRIBED IN THE
FOREGOING CLAUSES (A), (B), (C) OR (D) BEING HEREINAFTER REFERRED TO AS A “DISQUALIFIED ORGANIZATION”), OR (E) AN AGENT
OF A DISQUALIFIED ORGANIZATION AND (2) NO PURPOSE OF SUCH TRANSFER IS TO ENABLE THE TRANSFEROR TO IMPEDE THE ASSESSMENT OR COLLECTION
OF TAX. SUCH AFFIDAVIT SHALL INCLUDE CERTAIN REPRESENTATIONS AS TO THE FINANCIAL CONDITION OF THE PROPOSED TRANSFEREE AND ITS STATUS
AS A NON-US PERSON (IF APPLICABLE). NOTWITHSTANDING THE REGISTRATION IN THE CERTIFICATE REGISTER OF ANY TRANSFER, SALE OR OTHER
DISPOSITION OF THIS CLASS [R] [LT-R] CERTIFICATE TO A DISQUALIFIED ORGANIZATION OR AN AGENT OF A DISQUALIFIED ORGANIZATION, SUCH
REGISTRATION SHALL BE DEEMED TO BE OF NO LEGAL FORCE OR EFFECT WHATSOEVER AND SUCH PERSON SHALL NOT BE DEEMED TO BE A CERTIFICATEHOLDER
FOR ANY PURPOSE HEREUNDER, INCLUDING, BUT NOT LIMITED TO, THE RECEIPT OF DISTRIBUTIONS ON THIS CERTIFICATE. EACH HOLDER OF THE
CLASS [R] [LT-R] CERTIFICATE BY ACCEPTANCE OF THIS CERTIFICATE SHALL BE DEEMED TO HAVE CONSENTED TO THE PROVISIONS OF THIS PARAGRAPH.

 

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(g)           Each
Holder or Certificate Owner of a Restricted Certificate, ERISA-Restricted Certificate or Residual Certificate, or an interest therein,
by such Holder’s or Owner’s acceptance thereof, shall be deemed for all purposes to have consented to the provisions
of this section.

 

(h)           Neither
the Seller nor the Depositor shall be the Holder of any Subordinate Certificates.

 

Section
3.04           Cancellation of Certificates. 

 

Any Certificate surrendered for registration
of transfer or exchange shall be cancelled and retained in accordance with normal retention policies with respect to cancelled
certificates maintained by the Trustee or the Certificate Registrar.

 

Section
3.05           Replacement of Certificates. 

  

If (i) any Certificate is mutilated and
is surrendered to the Certificate Registrar or (ii) the Certificate Registrar receives evidence to its satisfaction of the destruction,
loss or theft of any Certificate, and there is delivered to the Certificate Registrar such security or indemnity as may be required
by them to save each of them harmless, then, in the absence of written notice to the Certificate Registrar that such destroyed,
lost or stolen Certificate has been acquired by a protected purchaser, the Trustee shall execute and the Authenticating Agent shall
authenticate and deliver, in exchange for or in lieu of any such mutilated, destroyed, lost or stolen Certificate, a new Certificate
of like tenor and Certificate Principal Amount.  Upon the issuance of any new Certificate under this Section 3.05, the
Depositor or the Certificate Registrar 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, the Depositor,
the Certificate Registrar or the Securities Administrator) connected therewith.  Any replacement Certificate issued pursuant
to this Section 3.05 shall constitute complete and indefeasible evidence of ownership in the applicable Trust Fund, as if originally
issued, whether or not the lost, stolen or destroyed Certificate shall be found at any time.

 

If after the delivery of such new Certificate,
a protected purchaser of the original Certificate in lieu of which such new Certificate was issued presents for payment such original
Certificate, the Depositor, the Securities Administrator, the Certificate Registrar, the Paying Agent and the Trustee or any agent
shall be entitled to recover such new Certificate from the Person to whom it was delivered or any Person taking therefrom, except
a protected purchaser, and shall be entitled to recover upon the security or indemnity provided therefor to the extent of any loss,
damage, cost or expenses incurred by the Depositor, the Securities Administrator, the Certificate Registrar, the Paying Agent,
the Trustee or any agent in connection therewith.

 

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Section 3.06         Persons
Deemed Owners.

 

Subject to the provisions of Section 3.09
with respect to Book-Entry Certificates, the Depositor, the Securities Administrator, the Master Servicer, the Trustee, the Certificate
Registrar, the Paying Agent and any agent of any of them shall treat the Person in whose name any Certificate is registered upon
the books of the Certificate Registrar as the owner of such Certificate for the purpose of receiving distributions pursuant to
Sections 5.01 and 5.02 and for all other purposes whatsoever, and none of the Depositor, the Securities Administrator, the Master
Servicer, the Trustee, the Certificate Registrar, the Paying Agent or any agent of any of them shall be affected by notice to the
contrary.

 

Section
3.07         Temporary Certificates.

 

(a)           Pending
the preparation of definitive Certificates, upon the order of the Depositor, the Trustee shall execute and the Authenticating Agent
shall authenticate and deliver temporary Certificates that are printed, lithographed, typewritten, mimeographed or otherwise produced,
in any authorized denomination, substantially of the tenor of the definitive Certificates in lieu of which they are issued and
with such variations as the authorized officers executing such Certificates may determine, as evidenced by their execution of such
Certificates.

 

(b)           If
temporary Certificates are issued, the Depositor will cause definitive Certificates to be prepared without unreasonable delay.  After
the preparation of definitive Certificates, the temporary Certificates shall be exchangeable for definitive Certificates upon surrender
of the temporary Certificates at the office or agency of the Certificate Registrar without charge to the Holder.  Upon
surrender for cancellation of any one or more temporary Certificates, the Trustee shall execute and the Authenticating Agent shall
authenticate and deliver in exchange therefor a like aggregate Certificate Principal Amount of definitive Certificates of the same
Class in the authorized denominations.  Until so exchanged, the temporary Certificates shall in all respects be entitled
to the same benefits under this Agreement as definitive Certificates of the same Class.

 

Section
3.08         Appointment of Paying Agent.

 

The Trustee may appoint a Paying Agent (which
may be the Trustee) for the purpose of making distributions to the Certificateholders hereunder.  The Trustee hereby
appoints the Securities Administrator as the initial Paying Agent.  The Trustee shall cause any Paying Agent, other than
the Securities Administrator or itself, to execute and deliver to the Trustee an instrument in which such Paying Agent shall agree
with the Trustee and the Securities Administrator, and the Securities Administrator as initial Paying Agent hereby agrees with
the Trustee, that such Paying Agent will hold all sums held by it for the payment to the Certificateholders in an Eligible Account
(which shall be the Distribution Account) in trust for the benefit of the Certificateholders entitled thereto until such sums shall
be paid to the Certificateholders.  All funds remitted by the Securities Administrator to any such Paying Agent for the
purpose of making distributions shall be paid to the Certificateholders on each Distribution Date and any amounts not so paid shall
be returned on such Distribution Date to the Securities Administrator.  If the Paying Agent is not the Securities Administrator,
the Securities Administrator shall cause to be remitted to the Paying Agent on or before the Business Day prior to each Distribution
Date, by wire transfer in immediately available funds, the funds to be distributed on such Distribution Date. Any Paying Agent
shall be either a bank or trust company or otherwise authorized under law to exercise corporate trust powers.

 

Section
3.09         Book-Entry Certificates.

 

(a)           Each
Class of Book-Entry Certificates, upon original issuance, shall be issued in the form of one or more typewritten Certificates representing
the Book-Entry Certificates.  The Book-Entry Certificates shall initially be registered on the Certificate Register in
the name of the nominee of the Clearing Agency, and no Certificate Owner will receive a definitive certificate representing such
Certificate Owner’s interest in the Book-Entry Certificates, except as provided in Section 3.09(c).  Unless Definitive
Certificates have been issued to Certificate Owners of Book-Entry Certificates pursuant to Section 3.09(c):

 

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(i)           the
provisions of this Section 3.09 shall be in full force and effect;

 

(ii)          the
Certificate Registrar, the Securities Administrator, the Paying Agent and the Trustee shall deal with the Clearing Agency for all
purposes (including the making of distributions on the Book-Entry Certificates) as the authorized representatives of the Certificate
Owners and the Clearing Agency and shall be responsible for crediting the amount of such distributions to the accounts of such
Persons entitled thereto, in accordance with the Clearing Agency’s normal procedures;

 

(iii)         to
the extent that the provisions of this Section 3.09 conflict with any other provisions of this Agreement, the provisions of this
Section 3.09 shall control; and

 

(iv)         the
rights of Certificate Owners shall be exercised only through the Clearing Agency and the Clearing Agency Participants and shall
be limited to those established by law and agreements between such Certificate Owners and the Clearing Agency and/or the Clearing
Agency Participants.  Unless and until Definitive Certificates are issued pursuant to Section 3.09(c), the initial Clearing
Agency will make book-entry transfers among the Clearing Agency Participants and receive and transmit distributions of principal
of and interest on the Book-Entry Certificates to such Clearing Agency Participants.

 

(b)         Whenever
notice or other communication to the Certificateholders is required under this Agreement, unless and until Definitive Certificates
shall have been issued to Certificate Owners pursuant to Section 3.09(c), the Securities Administrator or the Trustee, as the case
may be, shall give all such notices and communications specified herein to be given to Holders of the Book-Entry Certificates to
the Clearing Agency.

 

(c)          If
(i) (A) the Clearing Agency or the Depositor advises the Paying Agent in writing that the Clearing Agency is no longer willing
or able to discharge properly its responsibilities with respect to the Book-Entry Certificates, and (B) the Depositor is unable
to locate a qualified successor satisfactory to the Depositor and the Paying Agent or (ii) after the occurrence of an Event of
Default, Certificate Owners representing beneficial interests aggregating not less than 50% of the Class Principal Amount of a
Class of Book-Entry Certificates advise the Paying Agent and the Clearing Agency through the Clearing Agency Participants in writing
that the continuation of a book-entry system through the Clearing Agency is no longer in the best interests of the Certificate
Owners of a Class of Book-Entry Certificates (each such event, a “Book-Entry Termination”), the Certificate Registrar
shall notify the Clearing Agency to effect notification to all Certificate Owners, through the Clearing Agency, of the occurrence
of any such event and of the availability of Definitive Certificates to Certificate Owners.  Upon surrender to the Certificate
Registrar of the Book-Entry Certificates by the Clearing Agency, accompanied by registration instructions from the Clearing Agency
for registration, the Certificate Registrar shall issue the Definitive Certificates.  None of the Depositor, the Certificate
Registrar, the Securities Administrator, the Paying Agent or the Trustee shall be liable for any delay in delivery of such instructions
and may conclusively rely on, and shall be protected in relying on, such instructions.  Upon the issuance of Definitive
Certificates all references herein to obligations imposed upon or to be performed by the Clearing Agency shall be deemed to be
imposed upon and performed by the Certificate Registrar, to the extent applicable, with respect to such Definitive Certificates
and the Certificate Registrar shall recognize the holders of the Definitive Certificates as Certificateholders hereunder.

 

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ARTICLE
IV

ADMINISTRATION OF THE TRUST FUND

 

Section
4.01         Custodial Accounts; Distribution Account.

 

(a)          On
or prior to the Closing Date, each Servicer will be required to establish and maintain one or more Custodial Accounts, as provided
in the related Servicing Agreements, into which all Scheduled Payments and unscheduled payments with respect to the Mortgage Loans,
net of any deductions or reimbursements permitted under the related Servicing Agreement, shall be deposited.  On each
Servicer Remittance Date, the Servicers will remit to the Securities Administrator, for deposit into the Distribution Account,
all amounts so required to be deposited into such account in accordance with the terms of the related Servicing Agreement.

 

(b)          The
Securities Administrator, as Paying Agent for the Trustee, shall establish and maintain an Eligible Account entitled “Distribution
Account of Christiana Trust, a division of Wilmington Savings Fund Society, FSB, as Trustee for the benefit of Sequoia Mortgage
Trust 2013-1 Holders of Mortgage Pass-Through Certificates.”  The Securities Administrator shall hold the Distribution
Account and all money and other property therein in trust for the benefit of the Certificateholders. The Securities Administrator
shall, promptly upon receipt from the Servicers on each Servicer Remittance Date, deposit into the Distribution Account and retain
on deposit until the related Distribution Date the following amounts:

 

(i)           the
aggregate of collections with respect to the Mortgage Loans remitted by the Servicers from the related Custodial Accounts in accordance
with the Servicing Agreements;

 

(ii)          any
amounts required to be deposited by the Master Servicer with respect to the Mortgage Loans for the related Due Period pursuant
to this Agreement, including the amount of any Advances or Master Servicer Compensating Interest Payments with respect to the Mortgage
Loans not paid by the Servicers or the Servicing Administrator; and

 

(iii)         any
other amounts so required to be deposited in the Distribution Account in the related Due Period pursuant to this Agreement.

 

(c)          In
the event the Master Servicer or a Servicer has remitted in error to the Distribution Account any amount not required to be remitted
in accordance with the definition of Available Distribution Amount, it may at any time direct the Securities Administrator to withdraw
such amount from the Distribution Account for repayment to the Master Servicer or Servicer, as applicable, by delivery of an Officer’s
Certificate to the Securities Administrator and the Trustee which describes the amount deposited in error.

 

(d)          On
each Distribution Date and the final Distribution Date of the Certificates in accordance with Section 7.01, the Securities Administrator,
as Paying Agent, shall distribute the Available Distribution Amount to the Certificateholders and any other parties entitled thereto
in the amounts and priorities set forth in Section 5.02.  The Securities Administrator may, with the consent of the Depositor,
from time to time withdraw from the Distribution Account and pay to itself, the Master Servicer, the Trustee, the Custodian, the
Servicers or the Servicing Administrator any amounts permitted to be paid or reimbursed to such Person from funds in the Distribution
Account pursuant to clauses (A) and (B) of the definition of Available Distribution Amount.

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(e)          Funds
in the Distribution Account for the period from each Servicer Remittance Date to the related Distribution Date shall, if invested,
be invested in Eligible Investments selected by the Securities Administrator, which shall mature not later than the Distribution
Date and any such Eligible Investment shall not be sold or disposed of prior to its maturity. All such Eligible Investments shall
be made in the name of the Trustee in trust for the benefit of the Trustee and Holders of the Sequoia Mortgage Trust 2013-1 Certificates.
All income and gain realized from any Eligible Investment in the Distribution Account shall be compensation to the Securities Administrator.
The Securities Administrator shall deposit the amount of any losses incurred in respect of any such investments out of its own
funds, without any right of reimbursement therefor, immediately as realized.

 

Section
4.02         Reports to Trustee and Certificateholders.

 

On each Distribution Date, the Securities
Administrator shall have prepared and shall make available to the Trustee and each Certificateholder a written report setting forth
the following information (on the basis of Mortgage Loan level information obtained from the Master Servicer and the Servicers)
(the “Distribution Date Statement”):

 

(a)           the
amount of the distributions, separately identified, with respect to each Class of Certificates;

 

(b)           the
amount of the distributions set forth in clause (a) allocable to principal, separately identifying the aggregate amount of any
Principal Prepayments or other unscheduled recoveries of principal included in that amount;

 

(c)           the
amount of the distributions set forth in clause (a) allocable to interest;

 

(d)           the
amount of any unpaid Interest Shortfall, Net Prepayment Interest Shortfalls and Relief Act Shortfalls with respect to each Class
of Certificates;

 

(e)           the
Class Principal Amount of each Class of Certificates (other than the Interest-Only Certificates) and the Class Notional Amount
of the Interest-Only Certificates, in each case after giving effect to the distribution of principal on that Distribution Date;

 

(f)            the
Aggregate Stated Principal Balance of each Mortgage Pool (separately and in the aggregate) at the beginning and at the end of the
related Prepayment Period, the Mortgage Rates (in incremental ranges) and the weighted average remaining term of the Mortgage Loans;

 

(g)           the
aggregate Substitution Amount and the aggregate Repurchase Price deposited into the Distribution Account with respect to the Mortgage
Loans, which information may be presented in a footnote;

 

(h)           the
Senior Percentage and the Subordinate Percentage for each Mortgage Pool for the following Distribution Date;

 

(i)            the
Senior Prepayment Percentage and the Subordinate Prepayment Percentage for each Mortgage Pool for the following Distribution Date;

 

(j)           
in the aggregate and with respect to each Mortgage Pool, the amount of the Master Servicing Fee and the Servicing Fee paid to or
retained by the Master Servicer and each Servicer, respectively, and the amount of any fees paid to the Securities Administrator,
Custodian and the Trustee;

 

(k)           the
aggregate amount of Advances for the related Due Period;

 

(l)           in
the aggregate and with respect to each Mortgage Pool, the number and Stated Principal Balance of the Mortgage Loans that were (A)
Delinquent (exclusive of Mortgage Loans in foreclosure) (1) 30 to 59 days, (2) 60 to 89 days and (3) 90 or more days, (B) in foreclosure
and Delinquent (1) 30 to 59 days, (2) 60 to 89 days and (3) 90 or more days and (C) in bankruptcy as of the close of business on
the last day of the calendar month preceding that Distribution Date;

 

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(m)        
 the amount of cash flow received for such Distribution Date, and the sources thereof;

 

(n)         
 for any Mortgage Loan as to which the related Mortgaged Property was an REO Property during the preceding calendar month,
the principal balance of such Mortgage Loan as of the close of business on the last day of the related Due Period;

 

(o)          
in the aggregate and with respect to each Mortgage Pool, the aggregate number and principal balance of any REO Properties as of
the close of business on the last day of the preceding Due Period;

 

(p)          
in the aggregate and with respect to each Mortgage Pool, the amount of Realized Losses incurred during the preceding calendar month;

 

(q)         
 in the aggregate and with respect to each Mortgage Pool, the cumulative amount of Realized Losses incurred since the Closing Date;

 

(r)           the
Realized Losses, if any, allocated to each Class of Certificates on that Distribution Date;

 

(s)           the
Certificate Interest Rate for each Class of Certificates, the Net WAC Rate for each Mortgage Pool and the Aggregate Net WAC Rate
for that Distribution Date;

 

(t)            the
amount of any Principal Transfer Amounts or Interest Transfer Amounts paid to an Undercollateralized Group;

 

(u)          any
Servicing Modifications with respect to any Mortgage Loan during the related Due Period;

 

(v)           the
applicable Record Date, Accrual Period and calculation date for each Class of Certificates and such Distribution Date;

 

(w)          the
amount on deposit in the Distribution Account as of such Distribution Date (after giving effect to distributions on such date)
and as of the prior Distribution Date;

 

(x)           the
nature of any material breach of a representation and warranty relating to the characteristics of the Mortgage Loans or any transaction
covenants;

 

(y)          in
the aggregate and with respect to each Mortgage Pool, the amount of Advances and Servicing Advances reimbursed during the
related Due Period;

 

(z)           in
the aggregate and with respect to each Mortgage Pool, the amount of any Subsequent Recoveries;

 

(aa)         in
the aggregate and with respect to each Mortgage Pool, the amount of any fees, charges and costs paid or reimbursed to the Master
Servicer and the Custodian from the Distribution Account pursuant to this Agreement or the Custodial Agreement;

 

(bb)        in
the aggregate and with respect to each Mortgage Pool, the amounts of any Master Servicer Compensating Interest Payments and Servicer
Compensating Interest Payments for such Distribution Date;

 

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(cc)         whether
the Step-Down Test has been satisfied for such Distribution Date;

 

(dd)        the status and outcome of the Mortgage
Loan review conducted pursuant to Section 2.05(b); and

 

(ee)         the
status and outcome of the review conducted pursuant to Section 2.08(b), as reported to the Securities Administrator.         

 

On each Distribution Date, the Securities
Administrator shall provide Bloomberg Financial Markets, L.P. (“Bloomberg”) CUSIP level factors for each Class of
Offered Certificates as of such Distribution Date, using a format and media mutually acceptable to the Securities Administrator
and Bloomberg.

 

In addition to the information listed above,
such Distribution Date Statement shall also include such other information as is required to be reported on Form 10-D by Item 1121(a)
and (b) (§229.1121) of Regulation AB.

 

The Securities Administrator shall
make such reports, any Form 10-K's and Form 10-D's relating to the Certificates filed under the Exchange Act and such other
loan level information as the Depositor and the Securities Administrator shall agree available each month via the Securities
Administrator’s website at http://www.ctslink.com. Assistance in using the website may be obtained by
calling the Securities Administrator’s customer service desk at 1-866-846-4526. Certificateholders and other
parties that are unable to use the website are entitled to have a paper copy mailed to them via first class mail by
contacting the Securities Administrator and indicating such. In preparing or furnishing the foregoing information
to the Certificateholders, the Securities Administrator shall be entitled to rely conclusively on the accuracy of the
information or data regarding the Mortgage Loans and the related REO Properties that has been provided to the Securities
Administrator by the Master Servicer and the Servicers, and the Securities Administrator shall not be obligated to verify,
recompute, reconcile or recalculate any such information or data.

 

Upon request, within a reasonable period
of time after the end of each calendar year, the Securities Administrator shall cause to be furnished to each Person who at any
time during the calendar year was a Certificateholder, a statement containing the information listed above aggregated for such
calendar year or applicable portion thereof during which such Person was a Certificateholder.  Such obligation of the
Securities Administrator shall be deemed to have been satisfied to the extent that substantially comparable information shall be
provided by the Securities Administrator pursuant to any requirements of the Code as from time to time in effect.

 

Upon the reasonable advance written request
of any Certificateholder that is a savings and loan, bank or insurance company (which request, if received by the Trustee or the
Certificate Registrar, shall be promptly forwarded to the Securities Administrator), the Securities Administrator shall provide,
or cause to be provided (or, to the extent that such information or documentation is not required to be provided by a Servicer
under the applicable Servicing Agreement, shall use reasonable efforts to obtain such information and documentation from such Servicer,
and provide) to such Certificateholders such reports and access to information and documentation regarding the Mortgage Loans as
such Certificateholders may reasonably deem necessary to comply with applicable regulations of the Office of Thrift Supervision
or its successor or other regulatory authorities with respect to an investment in the Certificates; provided, however, that
(i) such Certificateholders shall pay in advance for the Securities Administrator’s actual expenses incurred in providing
such reports and access and such expenses shall not be paid by the Trust Fund and (ii) the Securities Administrator shall provide
such information and documentation only to the extent that the Securities Administrator would not be in violation of any applicable
privacy laws.

 

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Section 4.03         Rule
17g-5 Compliance.

 

(a)          The
Rule 17g-5 Information Provider shall, upon receipt of an NRSRO certification in the form of Exhibit O, make available on its Rule
17g-5 Website solely to the Depositor, each Rating Agency and to any NRSRO the following items, but only to the extent such items
are delivered to it by electronic mail to rmbs17g5informationprovider@wellsfargo.com, specifically with a subject reference of
“SEMT 2013-1” and an identification of the type of information being provided in the body of such notice, or any other
delivery method established or approved by the Rule 17g-5 Information Provider if or as may be necessary or beneficial:

 

		(i)	any Rating Agency Information provided to the Rule 17g-5 Information Provider in accordance with Sections 6.06, 6.07, 6.14,
9.01, 9.02, 11.03 and 11.12 of this Agreement, as well as reports prepared in accordance with Sections 6.21, 6.22, 6.23 and 6.24
(provided that the Rule 17g-5 Information Provider shall not be required to post to its Rule 17g-5 Website any such information
previously posted to and available on the Securities Administrator’s website);

 

		(ii)	any notice of any amendment that modifies the procedures herein relating to Exchange Act Rule 17g-5 pursuant to this Agreement;
and

 

		(iii)	a summary of any oral conversation with a Rating Agency regarding any Mortgage Loan, any Mortgaged Property or any REO Property,
to the extent required to be provided pursuant to Rule 17g-5.

 

The foregoing information shall be made available by the Rule
17g-5 Information Provider on its Rule 17g-5 Website. Such information shall be posted to the Rule 17g-5 Website on the same Business
Day as it is received, provided that such information is received by 12:00 p.m. (eastern time) or, if received after 12:00 p.m.,
on the next Business Day. The Rule 17g-5 Information Provider shall have no obligation or duty to verify, confirm or otherwise
determine whether the information being delivered is accurate, complete, conforms to the requirements of this Agreement, or otherwise
is or is not anything other than what it purports to be. The Rule 17g-5 Information Provider shall not be deemed to have obtained
actual knowledge of any information by virtue of the receipt and posting of such information to the Rule 17g-5 Website. Further,
notwithstanding anything to the contrary herein, in the event the Depositor determines that any information previously posted to
the Rule 17g-5 Website should not have been posted thereto pursuant to the terms of this Agreement, the Depositor shall direct
the Rule 17g-5 Information Provider in writing to remove such information from the Rule 17g-5 Website, such written notice to specify
the information to be so removed. The Rule 17g-5 Information Provider (i) shall have no obligation or duty to verify, confirm or
otherwise determine the accuracy of the information contained in such written direction, (ii) shall be entitled to rely fully upon
such written direction and (iii) shall not be held liable in connection with removing any such information from the Rule 17g-5
Website upon the receipt of such written direction.

 

The Rule 17g-5 Information
Provider shall provide a mechanism to notify any party that has submitted an NRSRO Certification each time the Rule 17g-5 Information
Provider posts an additional document to the Rule 17g-5 Website.

 

In connection with providing access to the
Rule 17g-5 Website, the Rule 17g-5 Information Provider may require registration and the acceptance of a disclaimer. The Rule 17g-5
Information Provider shall not be liable for the dissemination of information in accordance with the terms of this Agreement, makes
no representations or warranties as to the accuracy or completeness of such information being made available, has no obligation
to review such information, and assumes no responsibility for such information. The Rule 17g-5 Information Provider shall not be
liable for its failure to make any information available to each Rating Agency or NRSROs unless such information was delivered
to the Rule 17g-5 Information Provider at the email address specified in writing to the Depositor, with a subject heading of “SEMT
2013-1” and sufficient detail to indicate that such information is required to be posted on the Rule 17g-5 Website.

 

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If any NRSRO that has previously submitted
an NRSRO Certification and whose NRSRO Certification has been accepted, notifies the Rule 17g-5 Information Provider that it is
unable to access information posted to the Rule 17g-5 Website and such access issue is determined to be the result of a problem
with the Rule 17g-5 Website, if such access issue is not resolved within one Business Day of such determination, the Rule 17g-5
Information Provider shall so notify the Depositor.

 

(b)          Each
of the Master Servicer and the Trustee hereby agrees that, except as otherwise expressly permitted herein, it shall not communicate
with (including verbally) or provide information to a Rating Agency without the prior consent of and consultation with the Depositor,
and that any permitted communication by it to a Rating Agency will be made by it only in the manner prescribed by the procedures
established by the Depositor to ensure compliance with Rule 17g-5 under the Exchange Act, including to the extent set forth herein,
providing any such communications to the Depositor for posting on the Rule 17g-5 Website pursuant to this Section 4.03 prior to
communicating with such Rating Agency.

 

Section
4.04         Rule 15Ga-1 Compliance.

 

(a)           To
the extent a Responsible Officer of the Master Servicer receives a demand for the repurchase or substitution of a Mortgage Loan
based on a breach of a representation or warranty made by the Seller or the Originator of such Mortgage Loan (each, a “Demand”),
the Master Servicer agrees (i) if such Demand is in writing, promptly to forward such Demand to the Trustee, and (ii) if such Demand
is oral, to instruct the requesting party to submit such Demand in writing to the Trustee. To the extent a Responsible Officer
of the Trustee receives a Demand, it shall provide the Depositor with prompt written notice of such Demand.

 

(b)          In
connection with the repurchase or substitution of a Mortgage Loan pursuant to a Demand, any dispute with respect to a Demand, or
the withdrawal or final rejection of a Demand (i) the Master Servicer agrees, to the extent a Responsible Officer of the Master
Servicer has actual knowledge thereof, promptly to notify the Trustee in writing, and (ii) the Trustee agrees, to the extent a
Responsible Officer of the Trustee has actual knowledge thereof, promptly to notify the Depositor in writing.

 

(c)           With
respect to Rule 15Ga-1 of the Exchange Act, to the extent in its possession, the Trustee shall provide the Depositor with any applicable
information relating to a Demand (the “Rule 15Ga-1 Information”) in a timely manner so as to enable the Depositor
to meet its reporting obligations under Rule 15Ga-1. The Depositor shall be entitled conclusively to rely on the Rule 15Ga-1 Information
provided to it by the Trustee in connection with the compilation by the Depositor of the Rule 15Ga-1 Information required to be
reported on Form 10-D. For the avoidance of doubt, the Depositor shall have sole responsibility for compiling the Rule 15Ga-1 Information
required to be reported on Form 10-D, and the Securities Administrator shall be entitled conclusively to rely on any Rule 15Ga-1
Information provided to it by the Depositor for inclusion on each Form 10-D. Other than with respect to the obligations of the
Trustee in this Section 4.04, the Trustee shall have no responsibility or liability in connection with any filing required to be
made by the Depositor pursuant to Rule 15Ga-1 of the Exchange Act.

 

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ARTICLE V

DISTRIBUTIONS TO HOLDERS OF CERTIFICATES

 

Section
5.01         Distributions Generally.

 

(a)           Subject
to Section 7.01 respecting the final distribution on the Certificates, on each Distribution Date the Paying Agent on behalf of
the Trustee shall make distributions to holders of Certificates as of the related Record Date in accordance with this Article V.  Such
distributions shall be made by check mailed to each Certificateholder’s address as it appears on the Certificate Register
of the Certificate Registrar or, upon written request made to the Securities Administrator at least five Business Days prior to
the related Record Date by any Certificateholder owning an aggregate initial Certificate Principal Amount or Notional Amount of
at least $1,000,000, or in the case of any Residual Certificate, a Percentage Interest of not less than 100%, by wire transfer
in immediately available funds to an account specified in the request and at the expense of such Certificateholder; provided,
however, that the final distribution in respect of any Certificate shall be made only upon presentation and surrender of such
Certificate at the Certificate Registrar’s Corporate Trust Office; provided, further, that the foregoing provisions
shall not apply to any Class of Certificates as long as such Certificate remains a Book-Entry Certificate in which case all payments
made shall be made through the Clearing Agency and its Clearing Agency Participants.  Wire transfers will be made at
the expense of the Holder requesting such wire transfer by deducting a wire transfer fee from the related distribution.  Notwithstanding
such final payment of principal of any of the Certificates, each Certificate will remain outstanding until the termination of each
REMIC and the payment in full of all other amounts due with respect to the Certificates and at such time such final payment in
retirement of any Certificate will be made only upon presentation and surrender of such Certificate at the Certificate Registrar’s
Corporate Trust Office.  If any payment required to be made on the Certificates is to be made on a day that is not a
Business Day, then such payment will be made on the next succeeding Business Day.

 

(b)           All
distributions or allocations made with respect to the Certificateholders within each Class on each Distribution Date shall be allocated
among the outstanding Certificates in such Class equally in proportion to their respective initial Class Principal Amounts or initial
Class Notional Amounts (or Percentage Interests).

 

Section
5.02         Distributions From the Distribution Account.

 

(a)           Subject
to Sections 5.02(b), (h) and (i), on each Distribution Date, the Available Distribution Amount for the related Mortgage Pool (in
the case of the Senior Certificates) and for the Mortgage Pools in the aggregate (in the case of the Subordinate Certificates),
to the extent received by the Securities Administrator, shall be withdrawn by the Paying Agent from funds in the Distribution Account
and allocated among the Classes of Senior Certificates and Subordinate Certificates in the following order of priority:

 

(i)            from
the Available Distribution Amount for Pool 1, pro rata, to the Class 1-A1 Certificates, the Interest Distribution Amount and any
accrued but unpaid Interest Shortfalls, and to the Class 1-AX Certificates, the Interest Distribution Amount and any accrued but
unpaid Interest Shortfalls;

 

(ii)           from
the Available Distribution Amount for Pool 1 remaining after application of priority (i) above,  to the Class 1-A1 Certificates,
the related Senior Principal Distribution Amount, until its Class Principal Amount has been reduced to zero;

 

(iii)        
 from the Available Distribution Amount for Pool 2, pro rata, to the Class 2-A1 Certificates, the Interest Distribution Amount
and any accrued but unpaid Interest Shortfalls, and to the Class 2-AX Certificates, the Interest Distribution Amount and any accrued
but unpaid Interest Shortfalls;

 

(iv)          from
the Available Distribution Amount for Pool 2 remaining after application of priority (iii) above,  to the Class 2-A1 Certificates,
the related Senior Principal Distribution Amount, until its Class Principal Amount has been reduced to zero;

 

(v)         
from the remaining Available Distribution Amount for Pool 1 and Pool 2 in the aggregate remaining after application of priorities,
(i), (ii), (iii) and (iv) above, in the following order of priority:

 

(1)  to
the Class B-1 Certificates, the Interest Distribution Amount and any accrued but unpaid Interest Shortfalls, in each case, for
such Class on such date;

 

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(2)  to
the Class B-1 Certificates, such Class’s Subordinate Class Percentage of the aggregate Subordinate Principal Distribution
Amounts for each of Pool 1 and Pool 2 payable to such Class on such date, until its Class Principal Amount has been reduced to
zero;

 

(3)  to
the Class B-2 Certificates, the Interest Distribution Amount and any accrued but unpaid Interest Shortfalls, in each case, for
such Class on such date;

 

(4)  to
the Class B-2 Certificates, such Class’s Subordinate Class Percentage of the aggregate Subordinate Principal Distribution
Amounts for each of Pool 1 and Pool 2 payable to such Class on such date, until its Class Principal Amount has been reduced to
zero;

 

(5)  to
the Class B-3 Certificates, the Interest Distribution Amount and any accrued but unpaid Interest Shortfalls, in each case, for
such Class on such date;

 

(6)  to
the Class B-3 Certificates, such Class’s Subordinate Class Percentage of the aggregate Subordinate Principal Distribution
Amounts for each of Pool 1 and Pool 2 payable to such Class on such date, until its Class Principal Amount has been reduced to
zero;

 

(7)  to
the Class B-4 Certificates, the Interest Distribution Amount and any accrued but unpaid Interest Shortfalls, in each case, for
such Class on such date;

 

(8)  to
the Class B-4 Certificates, such Class’s Subordinate Class Percentage of the aggregate Subordinate Principal Distribution
Amounts for each of Pool 1 and Pool 2 payable to such Class on such date, until its Class Principal Amount has been reduced to
zero;

 

(9)  to
the Class B-5 Certificates, the Interest Distribution Amount and any accrued but unpaid Interest Shortfalls, in each case, for
such Class on such date;

 

(10)  to
the Class B-5 Certificates, such Class’s Subordinate Class Percentage of the aggregate Subordinate Principal Distribution
Amounts for each of Pool 1 and Pool 2 payable to such Class on such date, until its Class Principal Amount has been reduced to
zero; and

 

(vi)          To
the Class LT-R Certificates and the Class R Certificates, any remaining amount of the Available Distribution Amount allocated as
provided in Section 5.02(d).

 

(b)          Notwithstanding
the priority of distributions set forth in Section 5.02(a), on each Distribution Date on and after the Credit Support Depletion
Date, the Available Distribution Amount for Pool 1 and Pool 2 shall be combined and distributed to the remaining Classes of Pool
1 and Pool 2 Certificates, first, to pay the Interest Distribution Amount and any accrued but unpaid Interest Shortfalls,
concurrently on a pro rata basis (based on the amount of Current Interest payable to each such Class); second, to
pay principal on a pro rata basis (based on the Class Principal Amount of each such Class); and third, to the Class
R and Class LT-R Certificates, any remaining Available Distribution Amount from Pool 1 and Pool 2 (in the aggregate) allocated
as provided in Section 5.02(d).

 

(c)          Notwithstanding
the priority and allocation set forth in Section 5.02(a), if with respect to any Class of Subordinate Certificates other than the
Class B-1 Certificates on any Distribution Date the sum of the Class Subordination Percentages of such Class and of all other Classes
of Subordinate Certificates which have a lower payment priority than such Class is less than the Original Applicable Credit Support
Percentage for such Class, no distribution of principal shall be made to any such Classes. The Subordinate Principal Distribution
Amount shall be allocated among the Classes of Subordinate Certificates having higher payment priorities than such Class, pro
rata, based on the Class Principal Amounts of the respective Classes immediately prior to such Distribution Date and shall
be distributed in the sequential order provided in Section 5.02(a) above.

 

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(d)           Amounts
distributed to the Residual Certificates pursuant to Section 5.02(a)(vi) on any Distribution Date shall be allocated among the
REMIC residual interests represented thereby such that each such interest is allocated the excess of funds available to the related
REMIC over required distributions to the regular interests in such REMIC on such Distribution Date; provided, however, that
the Class LT-R Interest shall be entitled to any amounts representing net gain resulting from the sale of any REO Properties or
other Liquidation Proceeds due to the Residual Certificates with respect to the Mortgage Loans.

 

(e)           For
purposes of distributions provided in Section 5.02(a), each Mortgage Pool shall “relate” to the Senior Certificates
of the applicable related Certificate Group.

 

(f)           For
purposes of distributions of interest in Section 5.02(a) such distributions to a Class of Certificates on any Distribution Date
shall be made first, in respect of Current Interest; and second, in respect of Interest Shortfalls.

 

(g)          Amounts
distributed to the Certificates (other than the Class LT-R Certificate) pursuant to this Section shall be deemed to have first
been distributed from the Lower Tier REMIC to the Middle Tier REMIC in respect of the Lower Tier REMIC regular interests in accord
with the distribution provisions for the Lower Tier REMIC set forth in the Preliminary Statement, and then from the Middle Tier
REMIC to the Upper Tier REMIC in respect of the Middle Tier REMIC regular interests in accordance with the distribution provisions
for the Middle Tier REMIC set forth in the Preliminary Statement.

 

(h)          Notwithstanding
the priority of distributions set forth in Section 5.02(a), if on any Distribution Date prior to the Credit Support Depletion Date
(1) either one of the Rapid Prepayment Conditions is satisfied on such date and (2) the aggregate of the Class Principal Amounts
of the Senior Certificates relating to one of the Mortgage Pools has been reduced to zero or will be reduced to zero after giving
effect to distributions on such Distribution Date (without giving effect to the provisions of Section this Section 5.02(h) or Section
5.02(i)), then that portion of the Available Distribution Amount for each Mortgage Pool described in Section 5.02(a)(ii) or 5.02(a)(iv),
as applicable, that represents principal collections on the Mortgage Loans shall be applied as an additional distribution to the
remaining Classes of Senior Certificates in the other Certificate Group, in reduction of, and in proportion to, the Class Principal
Amounts thereof.

 

(i)            If,
on any Distribution Date, any Certificate Group would constitute an Undercollateralized Group and the other Certificate Group would
constitute an Overcollateralized Group, then notwithstanding Section 5.02(a)(ii) and 5.02(a)(iv), the Available Distribution Amount
for an Overcollateralized Group, to the extent remaining following distributions of interest and principal to the related Senior
Certificates of that Certificate Group (without giving effect to the provisions of Section 5.02(h) or this Section 5.02 (i)) shall
be distributed, up to the sum of the Interest Transfer Amount and the Principal Transfer Amount for the Undercollateralized Group,
to the Senior Certificates related to the Undercollateralized Group, in payment of accrued but unpaid interest, if any, and then
to such Senior Certificates as principal, in the same order and priority as such Certificates would receive other distributions
of principal.

 

Section
5.03         Allocation of Losses.

 

(a)           On
or prior to each Distribution Date, the Master Servicer shall calculate the aggregate Realized Losses for such Distribution Date
based on the information with respect to losses as reported to it by each Servicer.

 

(b)           On
each Distribution Date, the Securities Administrator shall allocate the principal portion of Realized Losses as follows:

 

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first,
to the Classes of Subordinate Certificates in reverse order of their respective numerical Class designations (beginning with the
Class B-5 Certificates and ending with the Class B-1 Certificates) until the Class Principal Amount of each such Class is reduced
to zero; and

 

second,
in the case of a Mortgage Loan in Pool 1 that sustained such Realized Loss, to the Class 1-A1 Certificates, and in the case of
a Mortgage Loan in Pool 2 that sustained such Realized Loss, to the Class 2-A1 Certificates, in each case, until the Class Principal
Amount of such Class of Senior Certificates is reduced to zero.

 

(c)           On
each Distribution Date, the Class Principal Amount of the Class of Subordinate Certificates then outstanding with the highest numerical
Class designation shall be reduced on each Distribution Date by the Certificate Writedown Amount and if no Subordinate Certificates
are then outstanding, the Class Principal Amount of the Class 1-A1 or Class 2-A1 Certificates, as applicable, relating to the Mortgage
Pool that sustained such losses shall be reduced by the Certificate Writedown Amount.

 

(d)           Any
allocation of a loss pursuant to this section to a Class of Certificates shall be achieved by reducing the Class Principal Amount
thereof by the amount of such loss.

 

(e)           Subsequent
Recoveries in respect of the Mortgage Loans in a Mortgage Pool shall be distributed to the Certificates still outstanding, in accordance
with Section 5.02, and the Class Principal Amount of each Class of Certificates then outstanding that has been reduced due to application
of a Certificate Writedown Amount or Realized Loss relating to such Mortgage Pool (in the case of any Senior Certificates) will
be increased, sequentially in order of seniority, by the lesser of (i) the amount of such Subsequent Recovery (reduced by any amounts
applied for this purpose to more senior ranking Certificates) and (ii) the Realized Loss amount previously allocated to such Class.

 

(f)           Realized
Losses and any Certificate Writedown Amounts allocated by this Section to a Class of Certificates shall be allocated to the Middle-Tier
Interest that corresponds to both such Class of Certificates and to the Pool giving rise to such Realized Losses or Certificate
Writedown Amounts, as applicable, and shall reduce the Class Principal Amount of such Middle-Tier Interest by the same amount that
the Class Principal Amount of the Corresponding Class of Certificates is reduced pursuant to the provisions of this Section as
a result of the Realized Losses or Certificate Writedown Amounts derived from such corresponding Pool. Realized Losses and any
Certificate Writedown Amounts shall be allocated to the Lower-Tier Interests in the manner set forth in the definition for Lower-Tier
REMIC Realized Losses. Subsequent Recoveries distributed to a Class of Certificates pursuant to the provisions of subsection 5.03(e)
shall be deemed to have been distributed to the Middle-Tier Interest that corresponds to both such Class of Certificates and to
the Pool giving rise to such Subsequent Recoveries. Such Subsequent Recoveries shall be deemed to have been distributed to the
Lower-Tier Interest Z-1 or Z-2 that corresponds to the Pool giving rise to such Subsequent Recoveries. To the extent that the Class
Principal Amount of any Class of Certificates has been increased on account of Subsequent Recoveries pursuant to the provisions
of subsection 5.03(e), the Class Principal Amount of the corresponding Middle-Tier Interest shall be increased by the same amount
that the Class Principal Amount of such Class of Certificates is increased pursuant to the provisions of this Section as a result
of the Subsequent Recoveries derived from such Pool and the Class Principal Amount of the Lower-Tier Interests Z-1 and Z-2 shall
be increased by the same amount as derives from Pool 1 or Pool 2, respectively.

 

(g)           Any Class of Certificates, Middle-Tier
Interest or Lower-Tier Interest whose Class Principal Amount has been reduced to zero due to the allocation of Realized Losses
will nonetheless remain outstanding under this Agreement and will continue to be entitled to receive Subsequent Recoveries until
the termination of the Trust Fund; provided, however, that no such Class of Certificates will have voting rights with respect to
matters under this Agreement requiring or permitting actions to be taken by any Certificateholders.

 

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Section
5.04         Servicer Obligations.

 

In the event of any inconsistency between
this Agreement and a Servicing Agreement with respect to obligations of a Servicer, the provisions of the applicable Servicing
Agreement shall govern such obligations.

 

Section
5.05         Advances by Master Servicer.

 

If any Servicer (other than Cenlar FSB)
or the Servicing Administrator fails to remit any Advance required to be funded under the applicable Servicing Agreement, the Master
Servicer shall itself fund, or shall cause the successor Servicer or successor Servicing Administrator to fund, such Advance. If
the Master Servicer determines that an Advance is required, it shall on the Business Day preceding the related Distribution Date
immediately following such Determination Date remit to the Securities Administrator from its own funds (or funds advanced by the
applicable Servicer or the Servicing Administrator) for deposit in the Distribution Account immediately available funds in an amount
equal to such Advance. The Master Servicer, each Servicer (other than Cenlar FSB) and the Servicing Administrator shall be entitled
to be reimbursed for all Advances funded by it. Notwithstanding anything to the contrary herein, in the event the Master Servicer
determines in its reasonable judgment that an Advance is nonrecoverable, the Master Servicer shall be under no obligation to make
such Advance. If the Master Servicer determines that an Advance is nonrecoverable, it shall, on or prior to the related Distribution
Date, deliver an Officer’s Certificate to the Trustee to such effect.

 

Section
5.06         Master Servicer Compensating Interest Payments.

 

The amount of the aggregate Master Servicing
Fees payable to the Master Servicer in respect of any Distribution Date shall be reduced (but not below zero) by the amount of
any Master Servicer Compensating Interest Payment for such Distribution Date. Such amount shall not be treated as an Advance and
shall not be reimbursable to the Master Servicer.

 

ARTICLE VI

CONCERNING THE TRUSTEE AND THE SECURITIES ADMINISTRATOR; EVENTS OF DEFAULT

 

Section
6.01         Duties of Trustee and the Securities Administrator.

 

(a)           The
Trustee, except during the continuance of an Event of Default, and the Securities Administrator each undertake to perform their
respective duties and only such duties as are specifically set forth in this Agreement.  Any permissive right of the
Trustee and the Securities Administrator provided for in this Agreement shall not be construed as a duty of the Trustee or the
Securities Administrator, as the case may be. If an Event of Default has occurred and has not otherwise been cured or waived,
the Trustee shall exercise such of the rights and powers vested in it by this Agreement and use the same degree of care and skill
in their exercise as a prudent Person would exercise or use under the circumstances in the conduct of such Person’s own affairs.

 

(b)           Each
of the Trustee and the Securities Administrator, upon receipt of all resolutions, certificates, statements, opinions, reports,
documents, orders or other instruments furnished to the Trustee or the Securities Administrator, as applicable, which 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; provided, however, that neither the Trustee nor the Securities Administrator shall be responsible
for the accuracy or content of any such resolution, certificate, statement, opinion, report, document, order or other instrument
furnished to the Trustee or the Securities Administrator pursuant to this Agreement and shall not be required to recalculate or
verify any numerical information furnished to the Trustee or the Securities Administrator pursuant this Agreement.  Subject
to the immediately preceding sentence, if any such resolution, certificate, statement, opinion, report, document, order or other
instrument is found not to conform to the form required by this Agreement in a material manner the Trustee or the Securities Administrator,
as applicable, shall take such action as it deems appropriate to cause the instrument to be corrected, and if the instrument is
not corrected to the Trustee’s or the Securities Administrator’s satisfaction, the Trustee or the Securities Administrator,
as applicable, will provide notice thereof to the Certificateholders and take such further action as directed by the Certificateholders
pursuant to Sections 6.02(d) and 6.02(f).

 

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(c)           None
of the Trustee, the Securities Administrator, the Paying Agent or the Certificate Registrar shall have any liability arising out
of or in connection with this Agreement, except for its negligence or willful misconduct. No provision of this Agreement shall
be construed to relieve the Trustee, the Securities Administrator, the Paying Agent or the Certificate Registrar from liability
for its own negligent action, its own negligent failure to act or its own willful misconduct; provided, however, that:

 

(i)           The
Trustee shall not be personally liable with respect to any action taken, suffered or omitted to be taken by it in good faith in
accordance with the direction of Holders of Certificates as provided in Section 6.18 hereof;

 

(ii)           For
all purposes under this Agreement, the Trustee shall not be deemed to have notice of any Event of Default unless a Responsible
Officer of the Trustee has actual knowledge thereof or unless written notice of any event which is in fact such a default is received
by the Trustee at the Corporate Trust Office of the Trustee, and such notice references the Holders of the Certificates and this
Agreement;

 

(iii)         For
all purposes under this Agreement, except when the Master Servicer is the Securities Administrator, the Securities Administrator
shall not be deemed to have notice of any Event of Default (other than resulting from a failure by the Master Servicer to furnish
information to the Securities Administrator or payment on a Distribution Date when required to do so) unless a Responsible Officer
of the Securities Administrator has actual knowledge thereof or unless written notice of any event which is in fact such a default
is received by the Securities Administrator at the at the address provided in Section 11.07, and such notice references the Holders
of the Certificates and this Agreement;

 

(iv)          No
provision of this Agreement shall require the Trustee or the Securities Administrator (regardless of the capacity in which it is
acting) to expend or risk its own funds or otherwise incur any financial liability in the performance of any of its duties hereunder,
or in the exercise of any of its rights or powers, if it shall have reasonable grounds for believing that repayment of such funds
or adequate indemnity against such risk or liability is not reasonably assured to it; and none of the provisions contained in this
Agreement shall in any event require the Trustee or the Securities Administrator to perform, or be responsible for the manner of
performance of, any of the obligations of the Depositor, the Master Servicer or any other Person under this Agreement, the Servicing
Agreements or the Custodial Agreement; and

 

(v)           None
of the Trustee, the Securities Administrator, the Paying Agent or the Certificate Registrar shall be responsible for any act or
omission of the Master Servicer (other than, in the case of the Securities Administrator, as provided in the next sentence), the
Depositor, the Seller, the Servicers, the Custodian or the Controlling Holder. If the Master Servicer is the Securities Administrator,
the Securities Administrator shall be responsible for any act or omission of the Master Servicer.

 

(d)           The
Trustee shall have no duty hereunder with respect to any complaint, claim, demand, notice or other document it may receive or which
may be alleged to have been delivered to or served upon it by the parties as a consequence of the assignment of any Mortgage Loan
hereunder; provided, however, that the Trustee shall promptly remit to the applicable Servicer (with a copy to the Master
Servicer) upon receipt any such complaint, claim, demand, notice or other document (i) which is delivered to the Corporate Trust
Office of the Trustee, (ii) of which a Responsible Officer has actual knowledge, and (iii) which contains information sufficient
to permit the Trustee to make a determination that the real property to which such document relates is a Mortgaged Property.

 

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(e)           None
of the Trustee, the Securities Administrator or the Master Servicer shall be personally liable with respect to any action taken,
suffered or omitted to be taken by it in good faith in accordance with the direction of the Certificateholders of any Class holding
Certificates which evidence, as to such Class, Percentage Interests aggregating not less than 25% as to the time, method and place
of conducting any proceeding for any remedy available to the Trustee, the Securities Administrator or the Master Servicer or exercising
any trust or power conferred upon the Trustee, the Securities Administrator or the Master Servicer under this Agreement.

 

(f)           Neither
the Trustee nor the Securities Administrator shall be required to perform services under this Agreement, or to expend or risk its
own funds or otherwise incur financial liability for the performance of any of its duties hereunder or the exercise of any of its
rights or powers if there is reasonable ground for believing that the timely payment of its fees and expenses or the repayment
of such funds or adequate indemnity against such risk or liability is not reasonably assured to it, and none of the provisions
contained in this Agreement shall in any event require the Trustee or the Securities Administrator to perform, or be responsible
for the manner of performance of, any of the obligations of the Master Servicer or any Servicer under this Agreement or any Servicing
Agreement except, with respect to the Master Servicer, during such time, if any, as the Trustee shall be the successor to, and
be vested with the rights, duties, powers and privileges of, the Master Servicer in accordance with the terms of this Agreement.

 

(g)           Except
as otherwise provided herein, neither the Trustee nor the Securities Administrator shall have any duty (A) to record, file, or
deposit this Agreement or any agreement referred to herein or any financing statement or continuation statement evidencing a security
interest, or to maintain any such recording or filing or depositing or to undertake any rerecording, refiling or redepositing of
any thereof, (B) to procure or maintain any insurance, (C) to pay or discharge any tax, assessment, or other governmental charge
or penalty or any lien or encumbrance of any kind owing with respect to, assessed or levied against, any part of the Trust Fund
other than from funds available in the Distribution Account, or (D) to confirm or verify the contents of any reports or certificates
of the Master Servicer or any Servicer delivered to the Trustee or the Securities Administrator pursuant to this Agreement or any
Servicing Agreement believed by the Trustee or the Securities Administrator, as applicable, to be genuine and to have been signed
or presented by the proper party or parties.

 

(h)          None
of the Trustee, the Securities Administrator, the Paying Agent or the Certificate Registrar shall be liable in its individual capacity
for an error of judgment made in good faith by a Responsible Officer or other officers of the Trustee, the Securities Administrator,
the Paying Agent or the Certificate Registrar, as applicable, unless it shall be proved that the Trustee, the Securities Administrator,
the Paying Agent or the Certificate Registrar, as applicable, was negligent in ascertaining the pertinent facts.

 

(i)            Notwithstanding
anything in this Agreement to the contrary, none of the Trustee, the Securities Administrator, the Paying Agent or the Certificate
Registrar shall be liable for special, indirect or consequential losses or damages of any kind whatsoever (including, but not limited
to, lost profits), even if the Trustee, the Securities Administrator, the Paying Agent or the Certificate Registrar, as applicable,
has been advised of the likelihood of such loss or damage and regardless of the form of action.

 

(j)            Neither
the Trustee nor the Securities Administrator (regardless of the capacity in which it is acting) shall be responsible for the acts
or omissions of the other, it being understood that this Agreement shall not be construed to render them agents of one another.

 

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(k)          The
duties and obligations of the Trustee, the Securities Administrator, the Paying Agent and the Certificate Registrar shall be determined
solely by the express provisions of this Agreement, none of the Trustee, the Securities Administrator, the Paying Agent or the
Certificate Registrar shall be liable except for the performance of its duties and obligations as are specifically set forth in
this Agreement, no implied covenants or obligations shall be read into this Agreement against the Trustee, the Securities Administrator,
the Paying Agent or the Certificate Registrar and, in the absence of bad faith on the part of the Trustee, the Securities Administrator,
the Paying Agent or the Certificate Registrar, the Trustee, the Securities Administrator, the Paying Agent or the Certificate Registrar,
as applicable, 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 such party that conform to the requirements of this Agreement.

 

Section
6.02         Certain Matters Affecting the Trustee and the Securities Administrator.

 

Except as otherwise provided in Section
6.01:

 

(a)           Before
taking or refraining from taking any actions hereunder, each of the Trustee and the Securities Administrator may request, and may
rely 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, approval, 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;

 

(b)           Each
of the Trustee and the Securities Administrator may consult with counsel and any advice of its counsel or 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 advice or Opinion of Counsel;

 

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

 

(d)           Unless
an Event of Default shall have occurred and be continuing, 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 (provided the same appears regular on its face), unless requested in writing to do so by the Holders
of at least a majority in Class Principal Amount (or Percentage Interest) of each Class of Certificates or such other percentage
specified in Section 2.05 with respect to actions described in Section 2.05; provided, however, that, if the payment within
a reasonable time to the Trustee of the costs, expenses or liabilities likely to be incurred by it in the making of such investigation
is, in the opinion of the Trustee, not reasonably assured to the Trustee by the security afforded to it by the terms of this Agreement,
the Trustee may require reasonable indemnity against such expense or liability or payment of such estimated expenses from the Certificateholders
as a condition to proceeding.  Except as otherwise provided in Section 2.05, the reasonable expense thereof shall be
paid by the party requesting such investigation and shall not be paid by the Trust Fund; and, provided further, that in the case
of an alleged breach of an Originator's representations and warranties, the provisions of Section 2.05 must be satisfied.

 

(e)           Each
of the Trustee and the Securities Administrator may execute any of the trusts or powers hereunder or perform any duties hereunder
either directly or by or through agents, custodians or attorneys, which agents, custodians or attorneys shall have any and all
of the rights, powers, duties and obligations of the Trustee and the Securities Administrator conferred on them by such appointment;
provided that each of the Trustee and the Securities Administrator shall continue to be responsible for its duties and obligations
hereunder to the extent provided herein; provided further that the Trustee shall not be responsible for the duties and obligations
of Wells Fargo Bank, N.A. in its capacity as any of the Custodian, the Paying Agent, the Authenticating Agent, the Securities Administrator
or the Certificate Registrar under this Agreement or the Custodial Agreement, as applicable;

 

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(f)           Neither
the Trustee nor the Securities Administrator shall be under any obligation to exercise any of the trusts or powers vested in it
by this Agreement, and the Trustee shall not be under any obligation to institute, conduct or defend any litigation hereunder or
in relation hereto, in each case at the request, order or direction of any of the Certificateholders pursuant to the provisions
of this Agreement, unless such Certificateholders shall have offered to the Trustee or the Securities Administrator, as applicable,
security or indemnity reasonably satisfactory to the Trustee or the Securities Administrator against the costs, expenses and liabilities
which may be incurred therein or thereby;

 

(g)          The
right of the Trustee and the Securities Administrator to perform any discretionary act enumerated in this Agreement shall not be
construed as a duty, and neither the Trustee nor the Securities Administrator shall be answerable for other than its negligence
or willful misconduct in the performance of such act;

 

(h)           Neither
the Trustee nor the Securities Administrator shall be required to give any bond or surety in respect of the execution of the Trust
Fund created hereby or the powers granted hereunder; and

 

(i)            Neither
the Trustee nor the Securities Administrator shall have any duty to conduct any affirmative investigation (including, but not limited
to, reviewing any reports delivered to the Trustee in connection with the review of the Trustee Mortgage Files and the Trustee
Credit Files) as to the occurrence of any condition requiring the repurchase of any Mortgage Loan pursuant to this Agreement, the
Mortgage Loan Purchase and Sale Agreement, the Purchase Agreements or the Servicing Agreements, as applicable, or the eligibility
of any Mortgage Loan for purposes of this Agreement including, without limitation, whether any mortgage loan is a Qualified Substitute
Mortgage Loan, except as set forth in Section 2.05 with respect to the Trustee.

 

In the event either the Trustee or the Securities
Administrator deems the nature of any action required on its part to be unclear, the Trustee or the Securities Administrator, as
applicable, may require prior to such action that it be provided by the Depositor with reasonable further written instructions.

 

Section
6.03         Trustee and Securities Administrator Not Liable for Certificates.

 

The Trustee and the Securities Administrator
make no representations as to the validity or sufficiency of this Agreement, the Custodial Agreement, the Purchase Agreements,
the Servicing Agreements, the Mortgage Loan Purchase and Sale Agreement or the Certificates (other than the certificate of authentication
on the Certificates) or of any Mortgage Loan or related document, save that the Trustee and the Securities Administrator represent
that, assuming due execution and delivery by the other parties hereto, this Agreement has been duly authorized, executed and delivered
by it and constitutes its valid and binding obligation, enforceable against it in accordance with its terms except that such enforceability
may be subject to (A) applicable bankruptcy and insolvency laws and other similar laws affecting the enforcement of the rights
of creditors generally, and (B) general principles of equity regardless of whether such enforcement is considered in a proceeding
in equity or at law.  The recitals contained herein and in the Certificates (other than the signature of the Trustee on the
Certificates and the acknowledgements of the Trustee contained in Article II) shall not be taken as the statements of the Trustee
and the Trustee does not assume any responsibility for their correctness. Neither the Trustee nor the Securities Administrator
shall be accountable for the use or application by the Depositor of any of the Certificates or of the proceeds of such Certificates,
or of funds paid to the Depositor in consideration of the sale of the Mortgage Loans to the Trustee by the Depositor or for the
use or application of any funds deposited into the Distribution Account or any other fund or account maintained with respect to
the Certificates.  Neither the Trustee nor the Securities Administrator shall be responsible for the legality or validity
of this Agreement or the validity, priority, perfection or sufficiency of the security for the Certificates issued or intended
to be issued hereunder.  Neither the Trustee nor the Securities Administrator shall have any responsibility for filing
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 or to record this Agreement.

 

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Section
6.04         Trustee and Securities Administrator May Own Certificates.

 

Each of the Trustee and the Securities Administrator
(and any Affiliate or agent of either of them) in its individual or any other capacity may become the owner or pledgee of Certificates
and may transact banking and trust business with the other parties hereto and their Affiliates with the same rights it would have
if it were not Trustee, Securities Administrator or such Affiliate or agent, as applicable.

 

Section
6.05         Eligibility Requirements for Trustee and Securities Administrator.

 

The Trustee hereunder shall at all times
(i) be an institution insured by the FDIC, (ii) be a corporation or national banking association, organized and doing business
under the laws of any State or the United States of America, authorized under such laws to exercise corporate trust powers, having
a combined capital and surplus of not less than $50,000,000 and subject to supervision or examination by federal or state authority
and (iii) not be an Affiliate of the Master Servicer, any Servicer or the Servicing Administrator.  If such corporation
or national banking association publishes reports of condition at least annually, pursuant to law or to the requirements of the
aforesaid supervising or examining authority, then, for the purposes of this Section, the combined capital and surplus of such
corporation or national banking 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 provisions
of this Section, the Trustee shall resign immediately in the manner and with the effect specified in Section 6.06.

 

The Securities Administrator hereunder shall
at all times (i) be an institution authorized to exercise corporate trust powers under the laws of its jurisdiction of organization,
(ii) be rated at least “A/F1” by Fitch and at least “A2/P-1” by Moody’s, or if not rated by
Fitch or Moody’s, the equivalent rating by KBRA or S&P, and (iii) not be the Depositor, an Affiliate of the Depositor
or, other than in the case of the initial Securities Administrator, the originator or servicer of any of the Mortgage Loans.

 

Section
6.06         Resignation and Removal of Trustee and the Securities Administrator.

 

(a)           Each
of the Trustee and the Securities Administrator may at any time resign and be discharged from the trust hereby created by giving
60 days’ written notice thereof to the Trustee or the Securities Administrator, as applicable, the Depositor and the Master
Servicer.  Upon receiving such notice of resignation, the Depositor will promptly appoint a successor trustee or a successor
securities administrator, as applicable, by written instrument, one copy of which instrument shall be delivered to the resigning
Trustee or resigning Securities Administrator, as applicable, one copy to the successor trustee or successor securities administrator,
as applicable, and one copy to the Master Servicer.  If no successor trustee or successor securities administrator shall
have been so appointed and shall have accepted appointment within 30 days after the giving of such notice of resignation, the resigning
Trustee or resigning Securities Administrator, as applicable, may petition any court of competent jurisdiction for the appointment
of a successor trustee or successor securities administrator, as applicable.  In the case of any such resignation by
the Securities Administrator, if no successor securities administrator shall have been appointed and shall have accepted appointment
within 60 days after the Securities Administrator ceases to be the Securities Administrator pursuant to this Section 6.06,
then the Trustee shall perform the duties of the Securities Administrator pursuant to this Agreement and shall be entitled to the
fees of the Securities Administrator for so long as the Trustee performs such duties; provided, however, that the Trustee
may engage a qualified entity to perform the duties of the Securities Administrator under Sections 6.21, 6.22, 6.23, 6.24
and 11.16 of this Agreement. The successor trustee shall notify each Rating Agency through the Rule 17g-5 Information Provider,
the Servicers, the Servicing Administrator and the Master Servicer of any change of Trustee and the successor securities administrator
shall notify each Rating Agency through the Rule 17g-5 Information Provider, the Servicers, the Servicing Administrator and the
Master Servicer of any change of Securities Administrator.

 

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(b)           If
at any time any of the following events shall occur: (i) the Trustee or the Securities Administrator ceases to be eligible in accordance
with the provisions of Section 6.05 and fails to resign after written request therefor by the Depositor, (ii) the Securities Administrator
fails to perform its obligations pursuant to Section 5.02 to make distributions to Certificateholders, which failure continues
unremedied for a period of one Business Day after the date upon which written notice of such failure shall have been given to the
Securities Administrator by the Trustee or the Depositor, (iii) the Securities Administrator fails to provide a Back-up Certificate,
Assessment of Compliance or an Accountant’s Attestation required under Sections 6.21, 6.23 and 6.24, respectively, by March
15 of each year in which Exchange Act reports are required, (iv) the Trustee or the Securities Administrator becomes incapable
of acting, or is adjudged a bankrupt or insolvent, or a receiver of the Trustee or the Securities Administrator of its property
is appointed, or any public officer takes charge or control of the Trustee or the Securities Administrator or of the property or
affairs of either for the purpose of rehabilitation, conservation or liquidation, (v) a tax is imposed or threatened with respect
to the Trust Fund by any state in which the Trustee or the Trust Fund held by the Trustee is located, or (vi) the continued use
of the Trustee or the Securities Administrator would result in a downgrading of the rating by a Rating Agency of any Class of Certificates
with a rating; then, in each such case, the Depositor shall remove the Trustee or the Securities Administrator, as applicable,
and the Depositor shall appoint a successor trustee or successor securities administrator, as applicable, by written instrument,
one copy of which instrument shall be delivered to the Trustee or Securities Administrator so removed, one copy to the successor
trustee or successor securities administrator, as applicable, and one copy to the Master Servicer. If the same Person is acting
as both the Securities Administrator and the Master Servicer, then the Depositor shall direct the Trustee to remove the Master
Servicer in accordance with the provisions of Section 6.14, and the Trustee promptly upon such direction shall remove the Master
Servicer in accordance therewith.

 

(c)           The
Holders of more than 50% of the Class Principal Amount (or Percentage Interest) of each Class of Certificates may at any time upon
30 days’ written notice to the Trustee or the Securities Administrator, as applicable, and to the Depositor remove the Trustee
or the Securities Administrator, as applicable, by such written instrument, signed by such Holders or their attorney-in-fact duly
authorized, one copy of which instrument shall be delivered to the Depositor, one copy to the Trustee or Securities Administrator,
as applicable, and one copy to the Master Servicer. The Depositor shall thereupon appoint a successor trustee or successor securities
administrator, as applicable, in accordance with this Section.

 

(d)           Any
resignation or removal of the Trustee or the Securities Administrator, as applicable, and appointment of a successor trustee or
successor securities administrator pursuant to any of the provisions of this Section shall only become effective upon acceptance
of appointment by the successor trustee or the successor securities administrator, as applicable, as provided in Section 6.07.

 

Section
6.07         Successor Trustee and Successor Securities Administrator.

 

(a)           Any
successor trustee or successor securities administrator appointed as provided in Section 6.06 shall execute, acknowledge and deliver
to the Depositor and to its predecessor trustee or predecessor securities administrator, as applicable, an instrument accepting
such appointment hereunder, and thereupon the resignation or removal of the predecessor trustee or predecessor securities administrator,
as applicable, shall become effective and such successor trustee or successor securities administrator, as applicable, without
any further act, deed or conveyance, shall become fully vested with all the rights, powers, duties and obligations of its predecessor
hereunder, with like effect as if originally named as trustee or securities administrator, as applicable, herein.  The
predecessor trustee shall deliver to the successor trustee (or assign to the Trustee its interest under the Custodial Agreement,
to the extent permitted thereunder), all Trustee Mortgage Files and Trustee Credit Files and documents and statements related to
each Trustee Mortgage File and Trustee Credit File held by it hereunder, the predecessor trustee shall duly assign, transfer, deliver
and pay over to the successor trustee the entire Trust Fund, together with all necessary instruments of transfer and assignment
or other documents properly executed necessary to effect such transfer and the predecessor trustee or the predecessor securities
administrator, as applicable, shall deliver such of the records or copies thereof maintained by the predecessor trustee or predecessor
securities administrator, as applicable, in the administration hereof as may be requested by the successor trustee and shall thereupon
be discharged from all duties and responsibilities under this Agreement.  In addition, the Depositor and the predecessor
trustee or predecessor securities administrator, as applicable, shall execute and deliver such other instruments and do such other
things as may reasonably be required to more fully and certainly vest and confirm in the successor trustee or successor securities
administrator, as applicable, all such rights, powers, duties and obligations. The predecessor securities administrator shall also
deliver to the Depositor the Back-up Certificate with respect to the portion of the calendar year in which the predecessor securities
administrator acted as Securities Administrator hereunder.

 

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(b)           No
successor trustee or successor securities administrator shall accept appointment as provided in this Section unless at the time
of such appointment such successor trustee or successor securities administrator, as applicable, shall be eligible under the provisions
of Section 6.05.

 

(c)           Upon
acceptance of appointment by a successor trustee or successor securities administrator, as applicable, as provided in this Section
6.07, the predecessor trustee or predecessor securities administrator, as applicable, shall mail notice of the succession of such
trustee or securities administrator, as applicable, hereunder to all Holders of Certificates at their addresses as shown in the
Certificate Register and to each Rating Agency through the Rule 17g-5 Information Provider.  The expenses of such mailing
shall be borne by the the predecessor trustee or predecessor securities administrator, as applicable; provided, if such party has
been removed without cause, such expenses will be borne by the Trust Fund.

 

Section
6.08         Merger or Consolidation of Trustee or Securities Administrator.

 

Any Person into which the Trustee or Securities
Administrator may be merged or with which it may be consolidated, or any Person resulting from any merger, conversion or consolidation
to which the Trustee or Securities Administrator shall be a party, or any Persons succeeding to the corporate trust business of
the Trustee or Securities Administrator, shall be the successor to the Trustee or Securities Administrator 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 that such Person shall be eligible under the applicable provisions of Section 6.05.

 

Section
6.09         Appointment of Co-Trustee, Separate Trustee or Custodian.

 

(a)           Notwithstanding
any other provisions hereof, at any time, the Trustee, the Depositor or the Certificateholders evidencing more than 50% of the
Class Principal Amount (or Percentage Interest) of every Class of Certificates shall have the power from time to time
to appoint one or more Persons, approved by the Trustee, to act either as co-trustees jointly with the Trustee, or as separate
trustees, or as custodians, for the purpose of holding title to, foreclosing or otherwise taking action with respect to any Mortgage
Loan outside the state where the Trustee has its principal place of business where such separate trustee or co-trustee is necessary
or advisable (or the Trustee has been advised by the Master Servicer that such separate trustee or co-trustee is necessary or advisable)
under the laws of any state in which a property securing a Mortgage Loan is located or for the purpose of otherwise conforming
to any legal requirement, restriction or condition in any state in which a property securing a Mortgage Loan is located or in any
state in which any portion of the Trust Fund is located.  The separate trustees, co-trustees, or custodians so appointed
shall be trustees or custodians for the benefit of all the Certificateholders and shall have such powers, rights and remedies as
shall be specified in the instrument of appointment; provided, however, that no such appointment shall, or shall be deemed
to, constitute the appointee an agent of the Trustee.  The obligation of the Master Servicer to make Advances pursuant
to Section 5.05 hereof shall not be affected or assigned by the appointment of a co-trustee.

 

(b)           Every
separate trustee, co-trustee, and custodian shall, to the extent permitted by law, be appointed and act subject to the following
provisions and conditions:

 

(i)           all
powers, duties, obligations and rights conferred upon the Trustee in respect of the receipt, custody and payment of moneys shall
be exercised solely by the Trustee;

 

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(ii)           all
other rights, powers, duties and obligations conferred or imposed upon the Trustee shall be conferred or imposed upon and exercised
or performed by the Trustee and such separate trustee, co-trustee, or custodian jointly, except to the extent that under any law
of any jurisdiction in which any particular act or acts are to be performed the Trustee shall be incompetent or unqualified to
perform such act or acts, in which event such rights, powers, duties and obligations, including the holding of title to the Trust
Fund or any portion thereof in any such jurisdiction, shall be exercised and performed by such separate trustee, co-trustee, or
custodian;

 

(iii)           no
trustee or custodian hereunder shall be personally liable by reason of any act or omission of any other trustee or custodian hereunder;
and

 

(iv)          the
Trustee may at any time, by an instrument in writing executed by it, with the concurrence of the Depositor, accept the resignation
of or remove any separate trustee, co-trustee or custodian, so appointed by it or them, if such resignation or removal does not
violate the other terms of this Agreement.

 

(c)           Any
notice, request or other writing given to the Trustee shall be deemed to have been given to each of the then separate trustees
and co-trustees, as effectively as if given to each of them.  Every instrument appointing any separate trustee, co-trustee
or custodian shall refer to this Agreement and the conditions of this Article VI.  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 given to the Master Servicer.

 

(d)           Any
separate trustee, co-trustee or custodian 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, co-trustee or custodian 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.

 

(e)           No
separate trustee, co-trustee or custodian hereunder shall be required to meet the terms of eligibility as a successor trustee under
Section 6.05 hereunder and no notice to the Certificateholders of the appointment shall be required under Section 6.07 hereof.

 

(f)           The
Trustee agrees to instruct the co-trustees, if any, to the extent necessary to fulfill the Trustee’s obligations hereunder.

 

(g)           The
Trust Fund shall pay the reasonable compensation of the co-trustees (which compensation shall not reduce any compensation payable
to the Trustee).

 

Section
6.10         Authenticating Agents.

 

(a)           The
Trustee may appoint one or more Authenticating Agents which shall be authorized to act on behalf of the Trustee in authenticating
Certificates.  The Trustee hereby appoints the Securities Administrator as initial Authenticating Agent, and the Securities
Administrator hereby accepts such appointment.  Wherever reference is made in this Agreement to the authentication of
Certificates by the Trustee or the Trustee’s certificate of authentication, such reference shall be deemed to include authentication
on behalf of the Trustee by an Authenticating Agent and a certificate of authentication executed on behalf of the Trustee by an
Authenticating Agent.  Each Authenticating Agent must be a national banking association or a corporation organized and
doing business under the laws of the United States of America or of any state, having a combined capital and surplus of at least
$15,000,000, authorized under such laws to exercise corporate trust powers and subject to supervision or examination by federal
or state authorities.

 

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(b)           Any
Person into which any Authenticating Agent may be merged or converted or with which it may be consolidated, or any Person resulting
from any merger, conversion or consolidation to which any Authenticating Agent shall be a party, or any Person succeeding to the
corporate agency business of any Authenticating Agent, shall continue to be the Authenticating Agent without the execution or filing
of any paper or any further act on the part of the Trustee or the Authenticating Agent.

 

(c)           Any
Authenticating Agent may at any time resign by giving at least 30 days’ advance written notice of resignation to the Trustee
and the Depositor.  The Trustee may at any time terminate the agency of any Authenticating Agent by giving written notice
of termination to such Authenticating Agent and the Depositor.  Upon receiving a notice of resignation or upon such a
termination, or in case at any time any Authenticating Agent shall cease to be eligible in accordance with the provisions of this
Section 6.10, the Trustee may appoint a successor authenticating agent, shall give written notice of such appointment to the Depositor
and shall mail notice of such appointment to all Holders of Certificates.  Any successor authenticating agent upon acceptance
of its appointment hereunder shall become vested with all the rights, powers, duties and responsibilities of its predecessor hereunder,
with like effect as if originally named as Authenticating Agent.  No successor authenticating agent shall be appointed
unless eligible under the provisions of this Section 6.10.  No Authenticating Agent shall have responsibility or liability
for any action taken by it as such at the direction of the Trustee or in accordance with the provisions of this Agreement.

 

Section
6.11         Indemnification of the Trustee, the Securities Administrator and the
Master Servicer.

 

Subject to the limitations described in
clause (C) of the definition of Available Distribution Amount, Christiana Trust, a division of Wilmington Savings Fund Society,
FSB, both in its individual capacity and in its capacity as Trustee hereunder, and Wells Fargo Bank, N.A., both in its individual
capacity and in its capacities as Securities Administrator, Certificate Registrar, Paying Agent, Authenticating Agent and Master
Servicer hereunder, and each of their respective directors, officers, employees and agents shall be indemnified and held harmless
by, and entitled to reimbursement from, the Trust Fund for any claim, loss, liability, damage, cost or expense, including without
limitation any reasonable legal fees and expenses and any extraordinary or unanticipated expense, incurred or expended (without
negligence or willful misconduct on its or their part) in connection with, (a) investigating, preparing for, defending itself
or themselves against, or prosecuting for itself or themselves or for the sake of the Trust Fund any legal proceeding, whether
pending or threatened, that is related directly or indirectly in any way to the Trust Fund, this Agreement, the Purchase Agreements,
the Servicing Agreements, the Mortgage Loan Purchase and Sale Agreement, the Custodial Agreement, the Mortgage Loans or other assets
of the Trust Fund, or the Certificates (including without limitation the initial offering, any secondary trading and any transfer
and exchange of the Certificates), (b) the acceptance or administration of the trusts created hereunder, (c) the performance or
exercise or the lack of performance or exercise of any or all of its or their powers, duties, rights, responsibilities, or privileges
hereunder, including without limitation (i) complying with any new or updated laws or regulations directly related to the
performance by the Trustee, the Securities Administrator, the Certificate Registrar, the Paying Agent, the Authenticating Agent
or the Master Servicer as applicable, of its obligations under this Agreement and (ii) addressing any bankruptcy in any way related
to or affecting this Agreement, the Purchase Agreements, the Servicing Agreements, the Custodial Agreement, the Mortgage Loan Purchase
and Sale Agreement or any party to such agreements, including, as applicable, all costs incurred in connection with the use of
default specialists within or outside Christiana Trust, a division of Wilmington Savings Fund Society, FSB (in the case of Christiana
Trust, a division of Wilmington Savings Fund Society, FSB personnel, such costs to be calculated using standard market rates),
in the case of the Trustee, or Wells Fargo Bank, N.A. (in the case of Wells Fargo Bank, N.A. personnel, such costs to be calculated
using standard market rates), in the case of the Master Servicer and the Securities Administrator. As of the Startup Day, no such
indemnifications or expense reimbursements are expected to be paid from the Trust Fund and it is intended that if such payments
are ever made that they be characterized for purposes of the REMIC Provisions as "unanticipated expenses" within the
meaning of Treasury Regulation Section 1.860G-1(b)(3)(ii).

 

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In connection with any claim as to which
indemnification is to be sought hereunder:

 

(i)           the
Trustee, the Securities Administrator, the Certificate Registrar, the Paying Agent, the Authenticating Agent or the Master Servicer
as applicable, shall give the Depositor written notice thereof promptly after the Trustee, the Securities Administrator, the Certificate
Registrar, the Paying Agent, the Authenticating Agent or the Master Servicer as applicable, shall have knowledge thereof; provided
that failure of the Trustee, the Securities Administrator, the Certificate Registrar, the Paying Agent, the Authenticating Agent
or the Master Servicer, as applicable, to provide such written notice shall not relieve the Trust Fund of the obligation to indemnify
the Trustee, the Securities Administrator, the Certificate Registrar, the Paying Agent, the Authenticating Agent or the Master
Servicer as applicable, under this Section 6.11;

 

(ii)           while
maintaining control over its own defense, the Trustee, the Securities Administrator, the Certificate Registrar, the Paying Agent,
the Authenticating Agent or the Master Servicer as applicable, shall cooperate and consult fully with the Depositor in preparing
such defense; and

 

(iii)           notwithstanding
anything to the contrary in this Section 6.11, the Trust Fund shall not be liable for settlement of any such claim by the Trustee,
the Securities Administrator, the Certificate Registrar, the Paying Agent, the Authenticating Agent or the Master Servicer, as
applicable, entered into without the prior consent of the Depositor, which consent shall not be unreasonably withheld.

 

The indemnification obligations set forth
in this Section shall survive the discharge of this Agreement and the termination or resignation of the Trustee, the Securities
Administrator, the Certificate Registrar, the Paying Agent, the Authenticating Agent or the Master Servicer, as applicable.

 

Section
6.12         Fees and Expenses of the Securities Administrator, the Certificate Registrar,
the Paying Agent, Authenticating Agent, the Trustee and the Custodian.

 

(a)           Compensation
for the services of the Securities Administrator, the Certificate Registrar, the Paying Agent and the Authenticating Agent hereunder
shall be paid from the Master Servicing Fee. The Securities Administrator shall be entitled to all disbursements and advancements
incurred or made by the Securities Administrator in accordance with this Agreement (including fees and expenses of its counsel
and all persons not regularly in its employment), except any such expenses arising from its negligence, bad faith or willful misconduct.
Wells Fargo Bank, N.A. shall act as Securities Administrator for so long as it is Master Servicer under this Agreement.

 

(b)          As
compensation for its services hereunder, the Trustee shall be entitled to receive a monthly fee equal to 0.0013% per annum on the
Stated Principal Balance of the Mortgage Loans as of the first day of the related Due Period, which shall be paid by the Master
Servicer pursuant to a separate agreement between the Trustee and the Master Servicer. Each successor master servicer and each
successor trustee hereby agree to be bound by the terms of such agreement. Any costs and expenses incurred by the Trustee shall
be reimbursed in accordance with Section 6.11.

 

(c)          The
Master Servicer shall pay, from the Master Servicing Fee, the fees and expenses of the Custodian as specified in the Custodial
Agreement, and if the Custodial Agreement is terminated, the Master Servicer shall pay such fees and expenses of any successor
custodian pursuant to a new custodial agreement to be entered into among the Depositor, the Seller, the Trustee, the successor
custodian and the Master Servicer.

 

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Section
6.13         Collection of Monies.

 

Except as otherwise expressly provided in
this Agreement, the Trustee and the Securities Administrator may demand payment or delivery of, and shall receive and collect,
all money and other property payable to or receivable by it pursuant to this Agreement.  The Trustee or the Securities
Administrator, as applicable, shall hold all such money and property received by it as part of the Trust Fund and shall distribute
it as provided in this Agreement.

 

Section
6.14         Events of Default; Trustee to Act; Appointment of Successor.

 

(a)          The
occurrence of any one or more of the following events shall constitute an “Event of Default”:

 

(i)           Any
failure by the Master Servicer to furnish the Securities Administrator the Mortgage Loan data sufficient to prepare the reports
described in Section 4.02 which continues unremedied for a period of one Business Day after the date upon which written notice
of such failure shall have been given to the Master Servicer by the Trustee or the Securities Administrator or to the Master Servicer,
the Securities Administrator and the Trustee by the Holders of not less than 25% of the Class Principal Amount (or Class Notional
Amount) of each Class of Certificates affected thereby;

 

(ii)          Any
failure on the part of the Master Servicer duly to observe or perform in any material respect any other of the covenants or agreements
(other than those referred to in (vii) and (viii) below) on the part of the Master Servicer contained in this Agreement
which continues unremedied for a period of 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 the Securities Administrator, or to the Master Servicer,
the Securities Administrator and the Trustee by the Holders of more than 50% of the Aggregate Voting Interests of the Certificates
(or in the case of a breach of its obligation to provide an Item 1123 Certificate, an Assessment of Compliance or an Accountant’s
Attestation pursuant to Sections 6.22, 6.23 and 6.24, immediately without a cure period);

 

(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, readjustment of debt, marshalling of assets and liabilities or similar proceedings, or for the
winding-up or liquidation of its affairs, shall have been entered against the Master Servicer, and such decree or order shall have
remained in force undischarged or unstayed for a period of 60 days or a Rating Agency reduces or withdraws or threatens to
reduce or withdraw the rating of the Certificates because of the financial condition or loan servicing capability of such Master
Servicer;

 

(iv)         The
Master Servicer shall consent to the appointment of a conservator or receiver or liquidator in any insolvency, readjustment of
debt, marshalling of assets and liabilities, voluntary liquidation or similar proceedings of or relating to the Master Servicer
or of or relating to all or substantially all of its property;

 

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

 

(vi)        The
Master Servicer shall be dissolved, or shall dispose of all or substantially all of its assets, or consolidate with or merge into
another entity or shall permit another entity to consolidate or merge into it, such that the resulting entity does not meet the
criteria for a successor servicer as specified in Section 9.05 hereof;

 

(vii)        If
a representation or warranty set forth in Section 9.03 hereof shall prove to be incorrect as of the time made in any respect
that materially and adversely affects the interests of the Certificateholders, and the circumstance or condition in respect of
which such representation or warranty was incorrect shall not have been eliminated or cured within 30 days after the date
on which written notice of such incorrect representation or warranty shall have been given to the Master Servicer by the Trustee
or the Securities Administrator, or to the Master Servicer, the Securities Administrator and the Trustee by the Holders of more
than 50% of the Aggregate Voting Interests of the Certificates;

 

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(viii)       A
sale or pledge of any of the rights of the Master Servicer hereunder or an assignment of this Agreement by the Master Servicer
or a delegation of the rights or duties of the Master Servicer hereunder shall have occurred in any manner not otherwise permitted
hereunder and without the prior written consent of the Trustee and Certificateholders holding more than 50% of the Aggregate Voting
Interests of the Certificates;

 

(ix)         The
purchase or holding of any Certificates by the Master Servicer or any master servicer transferee that is an insured depository
institution (as such term is defined in the Federal Deposit Insurance Act) such that the Master Servicer or such master servicer
transferee is required to consolidate any assets of the issuing entity on its financial statements under U.S. generally accepted
accounting principles;

 

(x)          Any
failure of the Master Servicer to make any Advances when such Advances are due, which failure continues unremedied for a period
of one Business Day.

 

If an Event of Default described in clauses
(i) through (ix) of this Section shall occur, then, in each and every case, subject to applicable law, so long as any
such Event of Default shall not have been remedied within any period of time as prescribed by this Section, the Trustee, by notice
in writing to the Master Servicer may, and, if so directed in writing by Certificateholders evidencing either (i) more than
50% of the Class Principal Amount (or Class Notional Amount) of each Class of Certificates, or (ii) 50% of the aggregate
Class Principal Amount of the Subordinate Certificates, or upon the occurrence of an Event of Default described in clause (x) of
this Section, shall, terminate all of the rights and obligations of the Master Servicer hereunder and in and to the Mortgage
Loans and the proceeds thereof; provided, however, that in the case of the preceding clause (ii), the Trustee shall provide
written notice to all of the Certificateholders within two Business Days of receiving such direction and shall not terminate the
Master Servicer if, within 30 days of sending such written notice, the Trustee has received contrary instructions from Certificateholders
evidencing more than 50% of the Aggregate Voting Interests of the Certificateholders. On or after the receipt by the Master Servicer
of such written notice, all authority and power of the Master Servicer, and only in its capacity as Master Servicer under this
Agreement, whether with respect to the Mortgage Loans or otherwise, shall pass to and be vested in the Trustee; and the Trustee
is hereby authorized and empowered to execute and deliver, on behalf of the defaulting Master Servicer as attorney-in-fact or otherwise,
any and all documents and other instruments, and to do or accomplish all other acts or things necessary or appropriate to effect
the purposes of such notice of termination, whether to complete the transfer and endorsement or assignment of the Mortgage Loans
and related documents or otherwise. The defaulting Master Servicer agrees to cooperate with the Trustee and the Securities Administrator
in effecting the termination of the defaulting Master Servicer’s responsibilities and rights hereunder as Master Servicer
including, without limitation, notifying Servicers of the assignment of the master servicing function and providing the Trustee
or its designee all documents and records in electronic or other form reasonably requested by it to enable the Trustee or its designee
to assume the defaulting Master Servicer’s functions hereunder and the transfer to the Trustee for administration by it of
all amounts which shall at the time be or should have been deposited by the defaulting Master Servicer in the Distribution Account
and any other account or fund maintained with respect to the Certificates or thereafter received with respect to the Mortgage Loans.
The Master Servicer being terminated pursuant to this Section 6.14 shall bear all costs of a master servicing transfer, including
but not limited to those of the Trustee or Securities Administrator reasonably allocable to specific employees and overhead, legal
fees and expenses, accounting and financial consulting fees and expenses, and costs of amending this Agreement, if necessary. If
the same Person is acting as both the Securities Administrator and the Master Servicer, then the Trustee shall direct the Depositor
to remove the Securities Administrator in accordance with the provisions of Section 6.06(b), and the Depositor promptly upon such
direction shall remove the Securities Administrator in accordance therewith.

 

Notwithstanding the termination of its activities
as Master Servicer, each terminated Master Servicer shall continue to be entitled to reimbursement under this Agreement to the
extent such reimbursement relates to the period prior to such Master Servicer’s termination. The successor master servicer
shall not be required to purchase or reimburse the terminated Master Servicer's Advance receivables. For the avoidance of doubt,
to the extent that the terminated Master Servicer and a successor master servicer have each made Advances in respect of the same
Mortgage Loan, recovered amounts shall be used to reimburse the terminated Master Servicer and a successor master servicer in the
order in which such Advances were made.

 

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When a Responsible Officer of the Trustee
has actual knowledge of the occurrence of an Event of Default, the Trustee shall promptly notify the Securities Administrator and
each Rating Agency through the Rule 17g-5 Information Provider of the nature and extent of such Event of Default. The Trustee or
the Securities Administrator shall promptly give written notice to the Master Servicer upon the Master Servicer’s failure
to fund Advances as required under this Agreement.

     

(b)          On
and after the time the Master Servicer receives a notice of termination from the Trustee pursuant to Section 6.14(a) or the
Trustee receives the written resignation of the Master Servicer pursuant to Section 9.06, the Trustee, unless, in either case,
another master servicer shall have been appointed by the Trustee, shall be the successor in all respects to the Master Servicer
in its capacity as such under this Agreement and with respect to the transactions set forth or provided for herein and shall have
all the rights and powers and be subject to all the responsibilities, duties and liabilities relating thereto and arising thereafter
placed on the Master Servicer hereunder, including the obligation to make Advances in accordance with Section 5.04; provided,
however, that any failure to perform such 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. The Trustee shall have no responsibility
for any act or omission of the Master Servicer other than any act or omission performed by the Trustee in its capacity as a successor
master servicer. In addition, the Trustee shall have no liability relating to the representations and warranties of the Master
Servicer set forth in Section 9.03. In the Trustee’s capacity as successor master servicer, the Trustee shall have the
same limitations on liability herein granted to the Master Servicer. As compensation for acting as successor master servicer hereunder,
the Trustee shall be entitled to receive all compensation payable to the Master Servicer under this Agreement, including the Master
Servicing Fee, subject to Section 6.14(d).

 

(c)          Notwithstanding
the above, the Trustee may, if it shall be unwilling to continue to so act, or shall, if it is unable to so act, petition a court
of competent jurisdiction to appoint, or appoint on its own behalf any established housing and home finance institution servicer,
master servicer, servicing or mortgage servicing institution having a net worth of not less than $15,000,000, which is a Fannie
Mae or Freddie Mac-approved master servicer, and meeting such other standards for a successor master servicer as are set forth
in this Agreement, as the successor to such Master Servicer in the assumption of all of the responsibilities, duties and liabilities
of a master servicer, like the Master Servicer. Any entity designated by the Trustee as a successor master servicer may be an Affiliate
of the Trustee; provided, however, that, unless such Affiliate meets the net worth requirements and other standards set
forth herein for a successor master servicer, the Trustee, in its individual capacity, shall agree, at the time of such designation,
to be and remain liable to the Trust Fund for such Affiliate’s actions and omissions in performing its duties hereunder.

 

The Trustee and such successor shall take
such actions, consistent with this Agreement, as shall be necessary to effectuate any such succession and may make other arrangements
with respect to the master servicing to be conducted hereunder which are not inconsistent herewith. The Master Servicer shall cooperate
with the Trustee and any successor master servicer in effecting the termination of the Master Servicer’s responsibilities
and rights hereunder including, without limitation, notifying Mortgagors of the assignment of the master servicing functions and
providing the Trustee and successor master servicer, as applicable, all documents and records in electronic or other form reasonably
requested by it to enable it to assume the Master Servicer’s functions hereunder and transferring to the Trustee or such
successor master servicer, as applicable, all amounts which shall at the time be or which should have been deposited by the Master
Servicer in the Distribution Account and any other account or fund maintained with respect to the Certificates or thereafter be
received with respect to the Mortgage Loans. Neither the Trustee nor any other successor master 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
caused by (i) the failure of the predecessor master servicer to deliver, or any delay in delivering, cash, documents or records
to it, (ii) the failure of the predecessor master servicer to cooperate as required by this Agreement, (iii) the failure
of the predecessor master servicer to deliver the Mortgage Loan data to the Securities Administrator as required by this Agreement
or (iv) restrictions imposed by any regulatory authority having jurisdiction over the predecessor master servicer. No successor
master servicer (other than the Trustee, with respect to the failure of the Trustee to cooperate as set forth in subclause (ii)
below) 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 caused by (i) the failure of the Securities Administrator to deliver, or any delay in delivering cash,
documents or records to it related to such distribution, or (ii) the failure of Trustee or the Securities Administrator to
cooperate as required by this Agreement.

 

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Any successor master servicer shall execute
and deliver to the Depositor, the Seller and the predecessor master servicer the certification required pursuant to the first sentence
of Section 6.20(e).

 

(d)          In
connection with such appointment and assumption of a successor master servicer, the Trustee may make such arrangements for the
compensation of such successor out of payments on Mortgage Loans as it and such successor shall agree; provided, however,
that no such compensation shall be in excess of that permitted to the Master Servicer hereunder. 

 

(e)          To
the extent that the costs and expenses incurred by the Trustee in connection with any alleged or actual default by the Master Servicer,
the termination of the Master Servicer, any appointment of a successor master servicer and/or any transfer and assumption of master
servicing by the Trustee or any successor master servicer (including, without limitation, (i) all legal costs and expenses and
all due diligence costs and expenses associated with the investigation of any alleged or actual default by the Master Servicer,
the evaluation of the potential termination and/or the actual termination of the Master Servicer and the appointment of a successor
master servicer and (ii) all Master Servicing Transfer Costs) are not fully and timely reimbursed by the terminated master servicer,
then (a) the successor master servicer shall deduct such amounts from any amounts that it otherwise would have paid to the predecessor
master servicer in reimbursement of outstanding Advances, and the successor master servicer shall reimburse itself and the Trustee
for any unreimbursed costs and expenses, and (b) if the Trustee is not required to be reimbursed by the Master Servicer or if such
costs and expenses are not satisfied pursuant to clause (a) within 90 days, then the Trustee and the successor master servicer
shall be entitled to reimbursement of such costs and expenses from the Distribution Account, subject to the limitations described
in clause (C) of the definition of Available Distribution Amount.

 

Section
6.15         Additional Remedies of Trustee Upon Event of Default. 

 

During the continuance of any Event of Default,
so long as such Event of Default shall not have been remedied, the Trustee, in addition to the rights specified in Section 6.14,
shall have the right, in its own name and as trustee of the Trust Fund, to take all actions now or hereafter existing at law, in
equity or by statute to enforce its rights and remedies and to protect the interests, and enforce the rights and remedies, of the
Certificateholders (including the institution and prosecution of all judicial, administrative and other proceedings and the filing
of proofs of claim and debt in connection therewith).  Except as otherwise expressly provided in this Agreement, no remedy
provided for by this Agreement shall be exclusive of any other remedy, and each and every remedy shall be cumulative and in addition
to any other remedy, and no delay or omission to exercise any right or remedy shall impair any such right or remedy or shall be
deemed to be a waiver of any Event of Default. 

 

Section
6.16         Waiver of Defaults. 

 

More than 50% of the Aggregate Voting Interests
of the Certificateholders may waive any event of default of a Servicer or the Servicing Administrator under the related Servicing
Agreement or Event of Default by the Master Servicer in the performance of its obligations hereunder, except that a default in
the making of any Advances or any required deposit to the Distribution Account that would result in a failure of the Paying Agent
to make any required payment of principal of or interest on the Certificates may only be waived with the consent of 100% of the
Certificateholders.  Upon any such waiver of a past default, such default shall cease to exist, and any event of default
under a Servicing Agreement or Event of Default hereunder arising therefrom shall be deemed to have been remedied for every purpose
of the related Servicing Agreement and/or this Agreement, as applicable.  No such waiver shall extend to any subsequent
or other default or impair any right consequent thereon except to the extent expressly so waived. 

 

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Section
6.17         Notification to Holders. 

 

Upon termination of the Master Servicer
or appointment of a successor to the Master Servicer, in each case as provided herein, the Trustee (i) so long as the Master Servicer
and the Securities Administrator are not the same Person, shall promptly notify the Securities Administrator in writing, and (ii)
shall promptly mail notice thereof by first class mail to the Certificateholders at their respective addresses appearing on the
Certificate Register.  The Trustee shall also, within 45 days after the date when a Responsible Officer of the Trustee
has actual knowledge of the occurrence of any Event of Default, give written notice thereof to the Securities Administrator and
the Certificateholders, unless such Event of Default shall have been cured or waived prior to the issuance of such notice and within
such 45-day period.

  

Section
6.18         Directions by Certificateholders and Duties of Trustee During Event of
Default. 

 

Subject to the provisions of Sections 6.16
and 8.01 hereof, during the continuance of any Event of Default, Holders of Certificates evidencing not less than 25% of the Class
Principal Amount (or Percentage Interest) of each Class of Certificates affected thereby may direct 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; provided, however, that the Trustee shall be under no obligation to pursue any such remedy, or to
exercise any of the trusts or powers vested in it by this Agreement (including, without limitation, (i) the conducting or defending
of any administrative action or litigation hereunder or in relation hereto and (ii) the terminating of the Master Servicer or any
successor master servicer from its rights and duties as Master Servicer hereunder) at the request, order or direction of any of
the Certificateholders, unless such Certificateholders shall have offered to the Trustee reasonable security or indemnity against
the cost, expenses and liabilities which may be incurred therein or thereby; and, provided further, that, subject to the
provisions of Section 8.01, the Trustee shall have the right to decline to follow any such direction if the Trustee, in accordance
with an Opinion of Counsel, (a) determines that the action or proceeding so directed may not lawfully be taken or (b) in good faith
determines that the action or proceeding so directed would involve it in personal liability for which it is not indemnified to
its satisfaction or be unjustly prejudicial to the non-assenting Certificateholders. 

 

Section
6.19         Action Upon Certain Failures of the Master Servicer and Upon Event of
Default.

 

In the event that a Responsible Officer
of the Trustee shall have actual knowledge of any action or inaction of the Master Servicer that would become an Event of Default
upon the Master Servicer’s failure to remedy the same after notice, the Trustee shall give prompt written notice thereof
to the Master Servicer.

 

Section
6.20         Preparation of Tax Returns and Other Reports.

 

(a)           The
Securities Administrator shall prepare or cause to be prepared on behalf of the Trust Fund, based upon information calculated in
accordance with this Agreement pursuant to instructions given by the Depositor, and the Securities Administrator shall file federal
tax returns, all in accordance with Article X hereof.  If the Securities Administrator is notified in writing that a
state tax return or other return is required, then, at the sole expense of the Trust Fund, the Securities Administrator shall prepare
and file such state income tax returns and such other returns as may be required by applicable law relating to the Trust Fund,
and, if required by state law, and shall file any other documents to the extent required by applicable state tax law (to the extent
such documents are in the Securities Administrator’s possession).  The Securities Administrator shall forward copies
to the Depositor of all such returns and Form 1099 supplemental tax information and such other information within the control of
the Securities Administrator as the Depositor may reasonably request in writing, and shall distribute to each Certificateholder
such forms and furnish such information within the control of the Securities Administrator as are required by the Code and the
REMIC Provisions to be furnished to them, and will prepare and distribute to Certificateholders Form 1099 (supplemental tax information)
(or otherwise furnish information within the control of the Securities Administrator) to the extent required by applicable law.
The Master Servicer will indemnify the Securities Administrator and the Trustee for any liability of or assessment against the
Securities Administrator and the Trustee, as applicable, resulting from any error in any of such tax or information returns directly
resulting from errors in the information provided by such Master Servicer.  

 

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(b)           The
Securities Administrator shall prepare and file with the Internal Revenue Service (“IRS”), on behalf of the Trust Fund
and each REMIC created hereunder, an application for an employer identification number on IRS Form SS-4 or by any other acceptable
method.  The Securities Administrator shall also file a Form 8811 as required.  The Securities Administrator,
upon receipt from the IRS of the Notice of Taxpayer Identification Number Assigned, shall upon request promptly forward a copy
of such notice to the Depositor.  The Securities Administrator shall furnish any other information that is required by
the Code and regulations thereunder to be made available to the Certificateholders.  The Master Servicer shall cause
each Servicer to provide the Securities Administrator with such information as is necessary for the Securities Administrator to
prepare such reports.

 

Section
6.21         Reporting to the Commission.

 

Each
of Form 10-D and Form 10-K requires the registrant to indicate (by checking “yes” or “no”) that it “(1)
has filed all reports required to be filed by Section 13 or 15(d) of the Exchange Act during the preceding 12 months (or for such
shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements
for the past 90 days.”  The Depositor hereby represents to the Securities Administrator that the Depositor has
filed all such required reports during the preceding 12 months and that it has been subject to such filing requirement for the
past 90 days.  The Depositor shall notify the Securities Administrator in writing, no later than the fifth calendar day
after the related Distribution Date with respect to the filing of a report on Form 10-D and no later than March 15th
with respect to the filing of a report on Form 10-K, if the answer to the questions should be “no.”  The
Securities Administrator shall be entitled to rely on such representations in preparing and/or filing any such report.

 

(a)           Reports
Filed on Form 10-D.

 

(i)           Within
15 days after each Distribution Date (subject to permitted extensions under the Exchange Act), the Securities Administrator shall
prepare and file on behalf of the Trust Fund any Form 10-D required by the Exchange Act, in form and substance as required
by the Exchange Act.  The Securities Administrator shall file each Form 10-D with a copy of the related Distribution
Date Statement attached thereto.  Any disclosure in addition to the Distribution Date Statement that is required to be
included on Form 10-D (“Additional Form 10-D Disclosure”) shall be reported by the parties set forth on Exhibit L hereto
to the Depositor and the Securities Administrator and reviewed and approved or disapproved by the Depositor pursuant to the following
paragraph and the Securities Administrator will have no duty or liability for any failure hereunder to determine or prepare any
Additional Form 10-D Disclosure, except as set forth in the next paragraph.

 

(ii)           As
set forth on Exhibit L hereto, within 5 calendar days after the related Distribution Date, (1) the parties set forth thereon shall
be required to provide to the Securities Administrator (at cts.sec.notifications@wellsfargo.com, with a copy by facsimile to 410-715-2380)
and the Depositor, to the extent known by a Responsible Officer thereof, in EDGAR-compatible form, or in such other form as otherwise
agreed upon by the Securities Administrator and such party, the form and substance of any Additional Form 10-D Disclosure, if applicable
together with an additional disclosure notification in the form of Exhibit I hereto (an “Additional Disclosure Notification”)
and (2) the Depositor will approve, as to form and substance, or disapprove, as the case may be, the inclusion of the Additional
Form 10-D Disclosure on Form 10-D.  The Depositor will be responsible for any reasonable fees and expenses assessed or
incurred by the Securities Administrator in connection with including any Additional Form 10-D Disclosure on Form 10-D pursuant
to this paragraph.

 

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(iii)           After
preparing the Form 10-D, the Securities Administrator shall forward electronically a copy of the Form 10-D to the Depositor for
review.  The Securities Administrator will provide a copy of the Form 10-D to the Depositor by the 11th
calendar day after the related Distribution Date. On the 12th calendar day after the related Distribution Date, the
Depositor will provide any changes or approval to the Securities Administrator (which may be furnished electronically).  In
the absence of receipt of any written changes or approval, the Securities Administrator shall be entitled to assume that such Form 10-D
is in final form and the Securities Administrator may proceed with the filing of the Form 10-D.  No later than the
13th calendar day after the related Distribution Date, a duly authorized representative 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 Securities Administrator.  If a Form 10-D cannot be filed on time or if a previously filed Form 10-D needs
to be amended, the Securities Administrator will follow the procedures set forth in subsection (d)(ii) of this Section 6.21.  Promptly
(but no later than 1 Business Day) after filing with the Commission, the Securities Administrator will make available on its internet
website a final executed copy of each Form 10-D prepared and filed by the Securities Administrator.  Each party to this
Agreement acknowledges that the performance by the Securities Administrator of its duties under this Section 6.21(a) related to
the timely preparation and filing of Form 10-D is contingent upon such parties strictly observing all applicable deadlines in the
performance of their duties.  The Securities Administrator shall not have any liability for any loss, expense, damage
or claim arising out of or with respect to any failure to properly prepare, execute and/or timely file such Form 10-D, where
such failure results from the Securities Administrator’s inability or failure to obtain or receive, on a timely basis, any
information from any other party needed to prepare, arrange for execution or file such Form 10-D, not resulting from its own negligence,
bad faith or willful misconduct.

 

(b)           Reports
Filed on Form 10-K.

 

(i)           On
or prior to the 90th day after the end of each fiscal year of the Trust Fund or such earlier date as may be required by the Exchange
Act (the “10-K Filing Deadline”) (it being understood that the fiscal year for the Trust Fund ends on December 31st
of each year), commencing in March 2014, the Securities Administrator shall prepare and file on behalf of the Trust Fund any Form
10-K required by the Exchange Act, in form and substance as required by the Exchange Act.  Each such Form 10-K shall
include the following items, in each case to the extent they have been delivered to the Securities Administrator within the applicable
time frames set forth in this Agreement, the Custodial Agreement and the related Servicing Agreement, (1) the Item 1123 Certificate
for each Servicer, each Additional Servicer, the Master Servicer, the Servicing Administrator and the Securities Administrator
as described under Section 6.22, (2)(A) the Assessment of Compliance with servicing criteria for each Servicer, the Custodian,
each Servicing Function Participant, the Master Servicer, the Servicing Administrator, the Securities Administrator and any Servicing
Function Participant engaged by such parties (each, a “Reporting Servicer”), as described under Section 6.23 and the
Custodial Agreement and (B) if any Reporting Servicer’s Assessment of Compliance identifies any material instance of noncompliance,
disclosure identifying such instance of noncompliance, or if any Reporting Servicer’s Assessment of Compliance is not included
as an exhibit to such Form 10-K, disclosure that such report is not included and an explanation why such report is not included,
(3)(A) the Accountant’s Attestation for each Reporting Servicer, as described under Section 6.24 and (B) if any Accountant’s
Attestation identifies any material instance of noncompliance, disclosure identifying such instance of noncompliance, or if any
such Accountant’s Attestation is not included as an exhibit to such Form 10-K, disclosure that such report is not included
and an explanation why such report is not included, and (4) the certification required under Rule 13a-14(d) and 15d-14(d)
under the Exchange Act executed by the Depositor (provided, however, that the Securities Administrator, at its discretion,
may omit from the Form 10-K any annual compliance statement, Assessment of Compliance or Accountant’s Attestation that is
not required to be filed with such Form 10-K pursuant to Regulation AB). Any disclosure or information in addition to (1) through
(4) above that is required to be included on Form 10-K (“Additional Form 10-K Disclosure”) shall be reported by the
parties set forth on Exhibit M hereto to the Depositor and the Securities Administrator and reviewed and approved or disapproved
by the Depositor pursuant to the following paragraph and the Securities Administrator will have no duty or liability for any failure
hereunder to determine or prepare any Additional Form 10-K Disclosure, except as set forth in the next paragraph.

 

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(ii)           As
set forth on Exhibit M hereto, no later than March 15 following each fiscal year that the Trust Fund is subject to the Exchange
Act reporting requirements, commencing in March 2014, (1) the parties set forth on Exhibit M shall be required to provide to the
Securities Administrator (at cts.sec.notifications@wellsfargo.com with a copy by facsimile to 410-715-2380) and the Depositor,
to the extent known by a Responsible Officer thereof, a notice in the form of Exhibit I hereto, along with, in EDGAR-compatible
form, or in such other form as otherwise agreed upon by the Securities Administrator and such party, the form and substance of
any Additional Form 10-K Disclosure, if applicable, together with any applicable Additional Disclosure Notification and (2) the
Depositor will approve, as to form and substance, or disapprove, as the case may be, the inclusion of the Additional Form 10-K
Disclosure or information in the Additional Disclosure Notification on Form 10-K. The Depositor will be responsible for any reasonable
fees and expenses assessed or incurred by the Securities Administrator in connection with including any Additional Form 10-K Disclosure
or information from the Additional Disclosure Notification in Form 10-K pursuant to this paragraph.

 

(iii)           After
preparing the Form 10-K, the Securities Administrator shall forward electronically a copy of the Form 10-K to the Depositor for
review. Within three (3) business days of receipt, but in no event later than March 25, the Depositor shall notify the Securities
Administrator in writing (which may be furnished electronically) of any changes to or approval of such Form 10-K.  In
the absence of any written changes or approval, the Securities Administrator shall be entitled to assume that such Form 10-K is
in final form.  No later than the close of business on the 4th Business Day prior to the 10-K Filing Deadline, a senior
officer in charge of securitization of the Depositor shall sign the Form 10-K and related certifications required under the Exchange
Act and return an electronic or fax copy of such documents (with an original executed hard copy to follow by overnight mail) to
the Securities Administrator.  If a Form 10-K cannot be filed on time or if a previously filed Form 10-K needs to be
amended, the Securities Administrator will follow the procedures set forth in Section 6.21(d).  Promptly (but no later
than 1 Business Day) after filing with the Commission, the Securities Administrator will make available on its internet website
a final executed copy of each Form 10-K prepared and filed by the Securities Administrator.  The parties to this Agreement
acknowledge that the performance by the Securities Administrator of its duties under this Section 6.21(b) related to the timely
preparation and filing of Form 10-K is contingent upon such parties (and the Custodian, the Servicers and any Additional Servicer
or Servicing Function Participant) strictly observing all applicable deadlines in the performance of their duties.  The
Securities Administrator shall not have any liability for any loss, expense, damage or claim arising out of or with respect to
any failure to properly prepare and/or timely file such Form 10-K, where such failure results from the Securities Administrator’s
inability or failure to obtain or receive, on a timely basis, any information from any other party needed to prepare, arrange for
execution or file such Form 10-K, not resulting from its own negligence, bad faith or willful misconduct.

 

(c)           Reports
Filed on Form 8-K.

 

(i)           Within
four (4) Business Days after the occurrence of an event requiring disclosure on Form 8-K (each such event, a “Reportable
Event”), and if requested by the Depositor, the Securities Administrator shall prepare and file on behalf of the Trust Fund
any Form 8-K, as required by the Exchange Act, provided that the Depositor shall file 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 reported by the parties set forth
on Exhibit N hereto to the Depositor and the Securities Administrator and reviewed and approved or disapproved by the Depositor
pursuant to the following paragraph and the Securities Administrator will have no duty or liability for any failure hereunder to
determine or prepare any Form 8-K Disclosure Information or any Form 8-K, except as set forth in the next paragraph.

 

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(ii)           As
set forth on Exhibit N hereto, for so long as the Trust Fund is subject to the Exchange Act reporting requirements, no later than
the end of business (New York City time) on the 2nd Business Day after the occurrence of a Reportable Event (1) the parties to
this transaction shall be required to provide to the Securities Administrator (at cts.sec.notifications@wellsfargo.com with a copy
by facsimile to 410-715-2380) and the Depositor, to the extent known by a Responsible Officer thereof, a notice in the form of
Exhibit I attached hereto, along with, in EDGAR-compatible form, or in such other form as otherwise agreed upon by the Securities
Administrator and such party, the form and substance of any Form 8-K Disclosure Information, if applicable, together with an Additional
Disclosure Notification and (2) the Depositor will approve, as to form and substance, or disapprove, as the case may be, the inclusion
of the Form 8-K Disclosure Information.  The Depositor will be responsible for any reasonable fees and expenses assessed or
incurred by the Securities Administrator in connection with including any Form 8-K Disclosure Information on Form 8-K pursuant
to this paragraph. The Securities Administrator has no duty under this Agreement to monitor or enforce the performance by the parties
listed in Exhibit N of their duties under this paragraph and will not solicit from such parties any Form 8-K Disclosure Notification.

 

(iii)           After
preparing the Form 8-K, the Securities Administrator shall forward electronically a copy of the Form 8-K to the Depositor for review.
Promptly, but no later than the close of business on the 3rd Business Day after the Reportable Event, the Depositor shall notify
the Securities Administrator in writing (which may be furnished electronically) of any changes to or approval of such Form 8-K.
In the absence of receipt of any written changes or approval, the Securities Administrator shall be entitled to assume that such
Form 8-K is in final form and the Securities Administrator may proceed with the filing of the Form 8-K. No later than noon
(New York City time) on the 4th Business Day after the Reportable Event, a duly authorized officer of the Depositor shall sign
the Form 8-K and return an electronic or fax copy of such signed Form 8-K (with an original executed hard copy to follow by overnight
mail) to the Securities Administrator. If a Form 8-K cannot be filed on time or if a previously filed Form 8-K needs to be amended,
the Securities Administrator will follow the procedures set forth in Section 6.21(d). Promptly (but no later than 1 Business
Day) after filing with the Commission, the Securities Administrator will make available on its internet website a final executed
copy of each Form 8-K prepared and filed by the Securities Administrator. The parties to this Agreement acknowledge that the performance
by the Securities Administrator of its duties under this Section 6.21(c) related to the timely preparation and filing of Form 8-K
is contingent upon such parties strictly observing all applicable deadlines in the performance of their duties. The Securities
Administrator shall not have any liability for any loss, expense, damage or claim arising out of or with respect to any failure
to properly prepare and/or timely file such Form 8-K, where such failure results from the Securities Administrator’s inability
or failure to obtain or receive, on a timely basis, any information from any other party hereto needed to prepare, arrange for
execution or file such Form 8-K, not resulting from its own negligence, bad faith or willful misconduct.

 

(d)           Delisting;
Amendments; Late Filings.

 

(i)           If
the Depositor determines that the requirements for suspension of the Trust Fund’s Exchange Act reporting requirements set
forth in Rule 15d-22(b) of the Exchange Act and any other applicable regulation are satisfied, it shall so notify the Securities
Administrator. Following receipt of such notice, the Securities Administrator shall prepare and file a Form 15 Suspension Notification
with respect to the Trust Fund under the Exchange Act (a “Form 15”).  Subsequent to the filing of a Form
15, if the Depositor determines that the Trust Fund has once again become subject to the Exchange Act reporting requirements, then
it shall promptly notify the Securities Administrator, and the Securities Administrator shall recommence preparing and filing required
Exchange Act reports. Prior to January 30 of the following calendar year, the Securities Administrator shall, if directed to do
so by the Depositor, in accordance with industry standards, prepare and file a Form 15.

  

In connection with any direct offering of
Certificates by the Depositor, in an offering registered with the Commission, subsequent to the filing of a Form 15 pursuant to
the preceding paragraph: (1) the Depositor shall notify the Securities Administrator in writing not less than 10 days prior to
the date on which such offering will be made; (2) the Depositor shall cause to be prepared and filed the initial current report
on Form 8-K required to be filed in connection with such offering; (3) the Securities Administrator, as directed by the Depositor,
shall file a report on Form 10-D for the Distribution Date following the month in which such offering occurs and, thereafter, any
reports on forms 8-K, 10-K and 10-D in respect of the Trust Fund as and to the extent required under the Exchange Act, as set forth
in this Section (other than the report referred to in clause (2) above); (4) the Depositor shall be responsible for notifying the
other parties to the transaction of such offering and that the obligations of such parties to provide information in connection
with the Depositor’s  Exchange Act reporting requirements have been reinstated; and (5) the Depositor shall be
responsible for all reasonable fees and expenses incurred by the Securities Administrator in connection with such offering, including
its review and approval of any offering document and any amendment to any transaction document made in connection with such offering.

 

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(ii)           In
the event that the Securities Administrator is unable to timely file with the Commission all or any required portion of any Form
8-K, 10-D or 10-K required to be filed by this Agreement because required disclosure information was either not delivered to it
or delivered to it after the delivery deadlines set forth in this Agreement or for any other reason, the Securities Administrator
will promptly, but no later than within one Business Day, notify electronically the Depositor.  In the case of Form 10-D
and 10-K, the parties to this Agreement will cooperate to prepare and file a Form 12b-25 and a 10-D/A or 10-K/A, as applicable,
pursuant to Rule 12b-25 of the Exchange Act.  In the case of Form 8-K, the Securities Administrator will, upon receipt
of all required Form 8-K Disclosure Information and upon the approval and direction of the Depositor, include such disclosure information
on the next Form 10-D.  In the event that any previously filed Form 8-K, 10-D or 10-K needs to be amended to include
additional disclosure in connection with any additional Form 10-D disclosure (other than for the purpose of restating any Distribution
Date Statement), additional Form 10-K or Form 8-K disclosure information, the Securities Administrator will electronically notify
the Depositor and the affected parties and the Securities Administrator shall prepare and file, and such parties will cooperate
in the preparation and filing of any necessary Form 8-K/A, 10-D/A or 10-K/A.  Any Form 15, Form 12b-25 or any amendment
to Form 8-K, 10-D or 10-K shall be signed by a senior officer in charge of securitization of the Depositor.  The parties
to this Agreement acknowledge that the performance by the Securities Administrator of its duties under this Section 6.21(d) related
to the timely preparation and filing of a Form 12b-25 or any amendment to Form 8-K, 10-D or 10-K is contingent upon each such
party performing its duties under this Section.  The Securities Administrator shall have no liability for any loss, expense,
damage or claim arising out of or with respect to any failure to properly prepare and/or timely file any such Form 15, Form 12b-25
or any amendments to Forms 8-K, 10-D or 10-K, where such failure results from the Securities Administrator’s inability or
failure to obtain or receive, on a timely basis, any information from any other party needed to prepare, arrange for execution
or file such Form 15, Form 12b-25 or any amendments to Forms 8-K, 10-D or 10-K, not resulting from its own negligence, bad faith
or willful misconduct.

 

Notwithstanding anything to the contrary
herein, the Securities Administrator shall not file any Form 8-K, Form 10-D or Form 10-K as to which it has received from the Depositor
a notice to the effect that, upon review of the proposed filing, the Depositor does not approve of such filing.

 

(e)          Sarbanes-Oxley
Certification Back-up.

 

In connection with the annual certification
to be delivered by the Depositor pursuant to Rules 13a-14d and 15d-14(d) of the Exchange Act, each Servicer, pursuant to the applicable
Servicing Agreement, the Master Servicer and the Securities Administrator shall provide, and each Servicer, pursuant to the applicable
Servicing Agreement, the Master Servicer and the Securities Administrator shall cause any Servicing Function Participant engaged
by it to provide, to the Depositor, by March 15 following each year in which the Trust Fund is subject to the reporting requirements
of the Exchange Act and otherwise within a reasonable period of time upon request, a certification (each, a “Back-Up Certificate”),
in the form attached hereto as Exhibit J (or in such other form attached to the applicable Servicing Agreement), upon which the
Depositor and its officers, directors and Affiliates can reasonably rely. In the event that a Servicer, the Master Servicer, the
Securities Administrator or any Servicing Function Participant engaged by any such party is terminated or resigns pursuant to the
terms of this Agreement, the applicable Servicing Agreement or any applicable sub-servicing agreement, as the case may be, such
party shall provide a Back-Up Certificate to the Depositor pursuant to this Section 6.21(e) with respect to the period of time
it was subject to this Agreement, the applicable Servicing Agreement or any applicable sub-servicing agreement, as the case may
be.

 

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The Master Servicer shall enforce any obligation
of the Servicers, to the extent set forth in the related Servicing Agreement, to deliver to the Master Servicer the Back-Up Certificate
as may be required pursuant to the related Servicing Agreement.

 

Section
6.22         Annual Statements of Compliance.

 

(a)          The
Master Servicer, the Securities Administrator, the Servicing Administrator and each Servicer shall deliver or otherwise make available
(and the Master Servicer, the Securities Administrator, the Servicing Administrator and each Servicer shall cause any Additional
Servicer engaged by it to deliver or otherwise make available) to the Depositor, the Trustee and the Securities Administrator on
or before March 1 of each year, commencing in March 2014, an Officer’s Certificate (an “Item 1123
Certificate”) stating, as to the signer thereof, that (A) a review of such party’s activities during the preceding
calendar year or portion thereof and of such party’s performance under this Agreement, or such other applicable agreement
in the case of an Additional Servicer, has been made under such officer’s supervision and (B) to the best of such officer’s
knowledge, based on such review, such party has fulfilled all its obligations under this Agreement, the Servicing Agreement or
such other applicable agreement in the case of an Additional Servicer, in all material respects throughout such year or portion
thereof, 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. Promptly after receipt of each such Item 1123 Certificate, the Depositor
shall review such Item 1123 Certificate and, if applicable, consult with each such party, as applicable, as to the nature of any
failures by such party, in the fulfillment of any of such party’s obligations hereunder or, in the case of an Additional
Servicer, under such other applicable agreement.

 

(b)          In
the event the Master Servicer, the Securities Administrator or any Additional Servicer engaged by any such party is terminated
or resigns pursuant to the terms of this Agreement, or any applicable agreement in the case of an Additional Servicer, as the case
may be, such party shall provide an Item 1123 Certificate pursuant to this Section 6.22 or as required under such other
applicable agreement, as the case may be, notwithstanding any such termination, assignment or resignation.

 

(c)          The
Master Servicer shall enforce any obligation of any Servicer and the Servicing Administrator, to the extent set forth in the related
Servicing Agreement, to deliver to the Depositor an Item 1123 Certificate.

 

Section
6.23         Annual Assessments of Compliance.

 

(a)         On
or before March 1 of each calendar year, commencing in March 2014, the Master Servicer, the Servicing Administrator, the Securities
Administrator, the Custodian and each Servicer, each at its own expense, shall furnish or otherwise make available, and each such
party shall cause any Servicing Function Participant engaged by it to furnish or otherwise make available, each at its own expense,
to the Securities Administrator, the Trustee and the Depositor, a report on an assessment of compliance with the Relevant Servicing
Criteria (an “Assessment of Compliance”) that contains (A) a statement by such party of its responsibility for assessing
compliance with the Relevant Servicing Criteria, (B) a statement that such party used the Relevant Servicing Criteria to assess
compliance with the Relevant Servicing Criteria, (C) such party’s Assessment of Compliance with the Relevant Servicing Criteria
as of and for the fiscal year covered by the Form 10-K required to be filed pursuant to Section 6.21(b), including, if there has
been any material instance of noncompliance with the Relevant Servicing Criteria, a discussion of each such failure and the nature
and status thereof, and (D) a statement that a registered public accounting firm has issued an Accountant’s Attestation on
such party’s Assessment of Compliance with the Relevant Servicing Criteria as of and for such period.

 

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(b)          No
later than the end of each fiscal year for the Trust Fund for which a 10-K is required to be filed, each Servicer, the Servicing
Administrator and the Master Servicer shall each forward to the Securities Administrator the name of each Servicing Function Participant
engaged by it and what Relevant Servicing Criteria will be addressed in the Assessment of Compliance prepared by such Servicing
Function Participant (provided, however, that the Master Servicer need not provide such information to the Securities Administrator
so long as the Master Servicer and the Securities Administrator are the same Person). When the Master Servicer, each Servicer and
the Servicing Administrator (or any Servicing Function Participant engaged by them) submit their Assessments of Compliance to the
Securities Administrator, such parties will also at such time include the Assessments of Compliance (and Accountant’s Attestation),
pursuant to Sections 6.23 and 6.24, of each Servicing Function Participant engaged by it.

 

(c)          Promptly
after receipt of each Assessment of Compliance, (i) the Depositor shall review each such report and, if applicable, consult with
the Master Servicer, the Servicing Administrator, the Securities Administrator, a Servicer, the Custodian and any Servicing Function
Participant engaged by such parties as to the nature of any material instance of noncompliance with the Relevant Servicing Criteria
by each such party, and (ii) the Securities Administrator shall confirm that the Assessments of Compliance, taken individually,
address the Relevant Servicing Criteria for each party as set forth on Exhibit K or the applicable exhibit to each Servicing Agreement
in respect of each Servicer and the Servicing Administrator and notify the Depositor of any exceptions.  

 

(d)          In
the event the Master Servicer, the Securities Administrator or any Servicing Function Participant engaged by any such party is
terminated, assigns its rights and obligations under or resigns pursuant to, the terms of this Agreement, or any other applicable
agreement, as the case may be, such party shall provide an Assessment of Compliance pursuant to this Section 6.23, or to such
other applicable agreement, notwithstanding any termination, assignment or resignation.

 

(e)          The
Master Servicer shall enforce any obligation of the Servicers, the Servicing Administrator and the Custodian, to the extent set
forth in the related Servicing Agreement or the Custodial Agreement, as applicable, to deliver to the Master Servicer an Assessment
of Compliance within the time frame set forth in, and in such form and substance as may be required pursuant to, the related Servicing
Agreement or the Custodial Agreement, as applicable.  The Master Servicer shall include all Assessments of Compliance
received by it from the Servicers, the Servicing Administrator and the Custodian with its own Assessment of Compliance to be submitted
to the Securities Administrator pursuant to this Section.

 

(f)          The
obligations of each party to provide assessments of compliance and attestations under this Section 6.23 and Section 6.24 shall
terminate upon the filing of a Form 15 suspension notice on behalf of the Trust Fund, but shall become effective after such a filing
if the Trust Fund is required to continue to file reports under the Exchange Act as contemplated in Section 6.21(d)(i).

 

Section
6.24         Accountant’s Attestation.

 

(a)          On
or before March 1 of each calendar year, commencing in 2014, the Master Servicer, the Servicing Administrator, the Securities Administrator,
the Custodian and each Servicer, each at its own expense, shall cause, and each such party shall cause any Servicing Function Participant
engaged by it to cause, each at its own expense, a registered public accounting firm (which may also render other services to the
Master Servicer, the Servicing Administrator, the Securities Administrator, a Servicer or such other Servicing Function Participants,
as the case may be) and that is a member of the American Institute of Certified Public Accountants to furnish a report (the “Accountant’s
Attestation”) to the Securities Administrator and to the Depositor, to the effect that (i) it has obtained a representation
regarding certain matters from the management of such party, which includes an assertion that such party has complied with the
Relevant Servicing Criteria, and (ii) on the basis of an examination conducted by such firm in accordance with standards for attestation
engagements issued or adopted by the PCAOB, it is expressing an opinion as to whether such party’s compliance with the Relevant
Servicing Criteria was fairly stated in all material respects, or it cannot express an overall opinion regarding such party’s
Assessment of Compliance with the Relevant Servicing Criteria.  In the event that an overall opinion cannot be expressed,
such registered public accounting firm shall state in such report why it was unable to express such an opinion.  Such
report must be available for general use and not contain restricted use language.

 

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(b)          Promptly
after receipt of each Accountant’s Attestation from the Master Servicer, each Servicer, the Servicing Administrator, the
Securities Administrator, the Custodian or any Servicing Function Participant engaged by such parties, (i) the Depositor shall
review such reports and, if applicable, consult with such parties as to the nature of any defaults by such parties, in the fulfillment
of any of each such party’s obligations hereunder or under any other applicable agreement, and (ii) the Securities Administrator
shall confirm that each Assessment of Compliance is coupled with an Accountant’s Attestation meeting the requirements of
this Section and notify the Depositor of any exceptions.

 

(c)          The
Master Servicer shall include each Accountant’s Attestation furnished to it by the Servicers, the Servicing Administrator
and the Custodian with its own Accountant’s Attestation to be submitted to the Securities Administrator pursuant to this
Section.

 

(d)          In
the event the Master Servicer, the Servicing Administrator, the Securities Administrator, the Custodian, any Servicer or any Servicing
Function Participant engaged by any such party, is terminated, assigns its rights and duties under, or resigns pursuant to the
terms of, this Agreement, the Custody Agreement or a Servicing Agreement, as the case may be, such party shall at its own expense
cause a registered public accounting firm to provide an Accountant’s Attestation pursuant to this Section 6.24, or other
applicable agreement, notwithstanding any such termination, assignment or resignation.

 

(e)          The
Master Servicer shall enforce any obligation of the Servicers, the Servicing Administrator and the Custodian, to the extent set
forth in the related Servicing Agreement and the Custodial Agreement, as applicable, to deliver to the Master Servicer an Assessment
of Compliance within the timeframe set forth in, and in such form and substance as may be required pursuant to, the related Servicing
Agreement or the Custodial Agreement, as applicable.  

 

Section
6.25         Intention of the Parties and Interpretation; Indemnification.

 

Each of the parties acknowledges and agrees
that the purpose of Sections 6.21, 6.22, 6.23 and 6.24 of this Agreement is to facilitate compliance by the Depositor with the
provisions of Regulation AB promulgated by the Commission under the Exchange Act (17 C.F.R. §§ 229.1100 - 229.1123),
as such may be amended from time to time and subject to such clarification and interpretive advice as may be issued by the staff
of the Commission from time to time.  Therefore, each of the parties agrees that (a) the obligations of the parties hereunder
shall be interpreted in such a manner as to accomplish that purpose, (b) the parties’ obligations hereunder will be supplemented
and modified as necessary to be consistent with any such amendments, interpretive advice or guidance, convention or consensus among
active participants in the asset-backed securities markets, advice of counsel, or otherwise in respect of the requirements of Regulation
AB, (c) each party shall comply with the reasonable requests made by the Depositor for delivery of such additional or different
information as the Depositor may determine in good faith is necessary to comply with the provisions of Regulation AB, which information
is available to such party without unreasonable effort or expense and within such timeframe as may be reasonably requested, and
(d) no amendment of this Agreement shall be required to effect any such changes in the parties’ obligations as are necessary
to accommodate evolving interpretations of the provisions of Regulation AB.

 

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Each of the Master Servicer, the Securities
Administrator, the Custodian and any Servicing Function Participant engaged by any such party shall indemnify and hold harmless
the Depositor and its Affiliates and each of their directors, officers, employees, agents, and affiliates from and against any
and all claims, losses, damages, penalties, fines, forfeitures, reasonable legal fees and related costs, judgments and other costs
and expenses arising out of or based upon (a) any breach by such party of any of its obligations hereunder, including particularly
its obligations to provide any Statement of Compliance, Assessment of Compliance or Accountant’s Attestation required under
Sections 6.22, 6.23 and 6.24, respectively, or any information, data or materials required to be included in any Exchange Act report
or (b) any material misstatement or material omission in any Statement of Compliance, Assessment of Compliance, Accountant’s
Attestation delivered by it or by any Servicing Function Participation engaged by it pursuant to this Agreement or any Additional
Form 10-D Disclosure, Additional Form 10-K Disclosure or Form 8-K Disclosure concerning such party.  If the indemnification
provided for herein is unavailable or insufficient to hold harmless the Depositor or its Affiliates, as the case may be, then each
such party agrees that it shall contribute to the amount paid or payable by the Depositor and its Affiliates, as applicable, as
a result of any claims, losses, damages or liabilities incurred by such party, in such proportion as is appropriate to reflect
the relative fault of the indemnified party on the one hand and the indemnifying party on the other.  This indemnification
shall survive the termination of this Agreement or the termination of any party to this Agreement.

 

ARTICLE VII

PURCHASE OF MORTGAGE LOANS AND TERMINATION OF THE TRUST FUND

 

Section
7.01         Purchase of Mortgage Loans; Termination of Trust Fund Upon Purchase or
Liquidation of All Mortgage Loans.

 

(a)          The
respective obligations and responsibilities of the Trustee, the Securities Administrator and the Master Servicer created hereby
(other than the obligation of the Securities Administrator to make payments to the Certificateholders as set forth in Section 7.02),
shall terminate on the earliest of (i) the final payment or other liquidation of the last Mortgage Loan remaining in the Trust
Fund and the disposition of all REO Property, (ii) the distribution of proceeds in connection with the exercise of the Clean-up
Call and (iii) the Distribution Date immediately following the Latest Possible Maturity Date; provided, however, that in
no event shall the Trust Fund created hereby continue beyond the expiration of 21 years from the death of the last survivor of
the descendants of Joseph P. Kennedy, the late Ambassador of the United States to the Court of St. James’s, living on the
date hereof.  Any termination of the Trust Fund shall be carried out in such a manner so that the termination of each
REMIC included therein shall qualify as a “qualified liquidation” under the REMIC Provisions.

 

(b)          In
connection with an exercise of the Clean-up Call, the Trustee, at the direction of the Securities Administrator, shall cause each
REMIC to adopt a plan of complete liquidation by complying with the provisions of Section 7.03. 

  

(c)          The
Depositor, the Master Servicer, each Servicer, the Servicing Administrator, the Securities Administrator and the Custodian shall
be reimbursed from the Clean-up Call Price for any Advances, Servicing Advances, accrued and unpaid Servicing Fees and Master Servicing
Fees or other amounts with respect to the related Mortgage Loans that are reimbursable to such parties under this Agreement, the
related Servicing Agreement or the Custodial Agreement prior to distributions to any Certificateholder.

 

(d)          On
any date on which the Aggregate Stated Principal Balance is less than ten percent (10%) of the Aggregate Stated Principal Balance
as of the Cut-off Date, the Master Servicer may terminate the Trust Fund by purchasing all of the Mortgage Loans and all property
acquired in respect of any Mortgage Loan for the Clean-up Call Price. The Master Servicer shall provide to the Securities Administrator
not less than thirty (30) days prior written notice of its intent to exercise its purchase and termination right under this Section
7.01(d) and comply with the requirements of this Article VII to effect a “qualified liquidation” under the REMIC Provisions.
The Depositor, the Securities Administrator and the Trustee hereby consent to any such exercise.

 

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Section
7.02         Procedure Upon Redemption and Termination of Trust Fund. 

 

(a)           If
on any Determination Date the Master Servicer determines that there are no outstanding Mortgage Loans, and no other funds or assets
in the Trust Fund other than the funds in the Distribution Account, the Master Servicer shall direct the Securities Administrator
promptly to send a final distribution notice to each Certificateholder.  Such notice shall specify (A) the Distribution
Date upon which final distribution on the Certificates of all amounts required to be distributed to Certificateholders pursuant
to Section 5.02 will be made upon presentation and surrender of the Certificates at the Certificate Registrar’s Corporate
Trust Office, and (B) that the Record Date otherwise applicable to such Distribution Date is not applicable, distribution being
made only upon presentation and surrender of the Certificates at the office or agency of the Certificate Registrar therein specified.  The
Securities Administrator shall give such notice to the Trustee, the Master Servicer and the Certificate Registrar at the time such
notice is given to Holders of the Certificates.  Upon any such termination, the duties of the Certificate Registrar with
respect to the Certificates shall terminate.

 

Upon termination of the Trust Fund, the
Securities Administrator shall terminate, or request the Master Servicer to terminate, the Distribution Account and any other account
or fund maintained with respect to the Certificates, subject to the Securities Administrator’s obligation hereunder to hold
all amounts payable to Certificateholders in trust without interest pending such payment.

 

(b)           In
the event that all of the Holders do not surrender their Certificates for cancellation within three months after the time specified
in the termination notice, the Securities Administrator 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
one year after the second notice any Certificates shall not have been surrendered for cancellation, the Securities Administrator
may take appropriate steps to contact the remaining Certificateholders concerning surrender of such Certificates, and the cost
thereof shall be paid out of the amounts distributable to such Holders.  If within two years after the second notice
any Certificates shall not have been surrendered for cancellation, the Securities Administrator shall, subject to applicable state
law relating to escheatment, hold all amounts distributable to such Holders for the benefit of such Holders.  No interest
shall accrue on any amount held by the Securities Administrator and not distributed to a Certificateholder due to such Certificateholder’s
failure to surrender its Certificate(s) for payment of the final distribution thereon in accordance with this Section.

  

(c)           Any
reasonable expenses incurred by the Securities Administrator or the Trustee in connection with any redemption or termination or
liquidation of the Trust Fund shall be reimbursed from proceeds received from the liquidation of the Trust Fund.

 

Section
7.03         Additional Trust Fund Termination Requirements. 

 

(a)           Any
termination of the Trust Fund in connection with the Clean-up Call or involving any other sale of assets of the Trust Fund prior
to the final payment or other liquidation of the last Mortgage Loan remaining in the Trust Fund shall be effected in accordance
with the following additional requirements, unless the Securities Administrator and the Trustee receive an Opinion of Counsel (at
the expense of the party exercising any right of termination), addressed to the Securities Administrator and the Trustee to the
effect that the failure of the Trust Fund to comply with the requirements of this Section 7.03 will not result in an Adverse REMIC
Event:

 

(i)           Within
89 days prior to the time of the making of the final payment on the Certificates, upon notification that a party intends to exercise
its option to cause the termination of the Trust Fund, the Trustee, at the direction of the Securities Administrator, shall adopt
a plan of complete liquidation of the Trust Fund on behalf of each REMIC, meeting the requirements of a qualified liquidation under
the REMIC Provisions, in the form prepared and provided by the party exercising its termination right in connection with a Clean-up
Call or by the Depositor in connection with any other termination of the Trust Fund;

 

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(ii)           Any
sale of the Mortgage Loans upon the exercise of a Clean-up Call shall be a sale for cash and shall occur at or after the time of
adoption of such a plan of complete liquidation and prior to the time of making of the final payment on or credit to the Certificates,
and upon the closing of such a sale, the Trustee shall deliver or cause the Custodian to deliver the Mortgage Loans to the purchaser
thereof as instructed by the party exercising the Clean-up Call;

 

(iii)           On
the date specified for final payment of the Certificates, the Securities Administrator shall make final distributions of principal
and interest on the Certificates in accordance with Section 5.02 and, after payment of, or provision for payment of any outstanding
expenses, distribute or credit, or cause to be distributed or credited, to the Holders of the Residual Certificates all cash on
hand after such final payment (other than cash retained to meet claims), and the Trust Fund (and each REMIC) shall terminate at
that time; and

 

(iv)           In
no event may the final payment on or credit to the Certificates or the final distribution or credit to the Holders of the Residual
Certificates be made after the 89th day from the date on which the plan of complete liquidation is adopted.

 

(b)           By
its acceptance of a Residual Certificate, each Holder thereof hereby agrees to accept the plan of complete liquidation adopted
by the Trustee at the direction of the Securities Administrator under this Section and to take such other action in connection
therewith as may be reasonably requested by the Securities Administrator or any Servicer.

  

ARTICLE VIII

RIGHTS OF CERTIFICATEHOLDERS

 

Section
8.01         Limitation on Rights of Holders. 

  

(a)           The
death or incapacity of any Certificateholder shall not operate to terminate this Agreement or the Trust Fund, nor entitle such
Certificateholder’s legal representatives or heirs to claim an accounting or take any action or proceeding in any court for
a partition or winding up of this Trust Fund, nor otherwise affect the rights, obligations and liabilities of the parties hereto
or any of them.  Except as otherwise expressly provided herein, no Certificateholder, solely by virtue of its status
as a Certificateholder, shall have any right to vote or in any manner otherwise control the Trustee, the Master Servicer or the
operation and management of the Trust Fund, or the obligations of the parties hereto, nor shall anything herein set forth, or contained
in the terms of the Certificates, be construed so as to constitute the Certificateholders from time to time as partners or members
of an association, nor shall any Certificateholder be under any liability to any third person by reason of any action taken by
the parties to this Agreement pursuant to any provision hereof.

 

(b)           No
Certificateholder, solely by virtue of its status as Certificateholder, shall have any right by virtue of or by availing itself
of any provision of this Agreement to institute any suit, action or proceeding in equity or at law upon or under or with respect
to this Agreement, unless such Holder previously shall have given to the Trustee a written notice of an Event of Default and of
the continuance thereof, as hereinbefore provided, and unless, except as otherwise specified herein, the Holders of Certificates
evidencing not less than 25% of the Class Principal Amount or Class Notional Amount (or Percentage Interest) of Certificates of
each Class affected thereby shall have made written request upon the Trustee to institute such action, suit or proceeding in its
own name as Trustee hereunder and shall have offered to the Trustee such reasonable indemnity as it may require against the cost,
expenses and liabilities to be incurred therein or thereby, and the Trustee, for sixty 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 and no direction inconsistent
with such written request has been given such Trustee during such sixty-day period by such Certificateholders; it being understood
and intended, and being expressly covenanted by each Certificateholder with every other Certificateholder, the Securities Administrator
and the Trustee, that no one or more Holders of Certificates shall have any right in any manner whatever by virtue of or by availing
itself of any provision of this Agreement to affect, disturb or prejudice the rights of the Holders of any other of such 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 benefit of all Certificateholders.  For the protection and enforcement
of the provisions of this Section, each and every Certificateholder and the Trustee shall be entitled to such relief as can be
given either at law or in equity.

 

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Section
8.02         Access to List of Holders. 

 

(a)           If
the Trustee is not acting as Certificate Registrar, the Certificate Registrar will furnish or cause to be furnished to the Trustee,
within fifteen days after receipt by the Certificate Registrar of a request by the Trustee in writing, a list, in such form as
the Trustee may reasonably require, of the names and addresses of the Certificateholders of each Class as of the most recent Record
Date.

 

(b)           If
three or more Holders or Certificate Owners (hereinafter referred to as “Applicants”) apply in writing to the Certificate
Registrar, and such application states that the Applicants desire to communicate with other Holders with respect to their rights
under this Agreement or under the Certificates and is accompanied by a copy of the communication which such Applicants propose
to transmit, then the Certificate Registrar shall, within five Business Days after the receipt of such application, afford such
Applicants reasonable access during the normal business hours of the Certificate Registrar to the most recent list of Certificateholders
held by the Certificate Registrar or shall, as an alternative, send, at the Applicants’ expense, the written communication
proffered by the Applicants to all Certificateholders at their addresses as they appear in the Certificate Register.

  

(c)           Every
Holder or Certificate Owner, if the Holder is a Clearing Agency, by receiving and holding a Certificate, agrees with the Depositor,
the Master Servicer, the Securities Administrator, the Certificate Registrar and the Trustee that neither the Depositor, Master
Servicer, the Securities Administrator, the Certificate Registrar nor the Trustee shall be held accountable by reason of the disclosure
of any such information as to the names and addresses of the Certificateholders hereunder, regardless of the source from which
such information was derived.

 

Section
8.03         Acts of Holders of Certificates. 

 

(a)           Any
request, demand, authorization, direction, notice, consent, waiver or other action provided by this Agreement to be given or taken
by Holders or Certificate Owners, if the Holder is a Clearing Agency, may be embodied in and evidenced by one or more instruments
of substantially similar tenor signed by such Holders in person or by an agent duly appointed in writing; and, except as herein
otherwise expressly provided, such action shall become effective when such instrument or instruments are delivered to the Trustee
and the Securities Administrator and, where expressly required herein, to the Master Servicer.  Such instrument or instruments
(as the action embodies therein and evidenced thereby) are herein sometimes referred to as an “Act” of the Holders
signing such instrument or instruments.  Proof of execution of any such instrument or of a writing appointing any such
agents shall be sufficient for any purpose of this Agreement and conclusive in favor of the Trustee, the Securities Administrator
and the Master Servicer, if made in the manner provided in this Section.  Each of the Trustee, the Securities Administrator
and the Master Servicer shall promptly notify the others of receipt of any such instrument by it, and shall promptly forward a
copy of such instrument to the others.

 

(b)           The
fact and date of the execution by any Person of any such instrument or writing may be proved by the affidavit of a witness of such
execution or by the certificate of any notary public or other officer authorized by law to take acknowledgments or deeds, certifying
that the individual signing such instrument or writing acknowledged to him the execution thereof.  Whenever such execution
is by an officer of a corporation or a member of a partnership on behalf of such corporation or partnership, such certificate or
affidavit shall also constitute sufficient proof of his authority.  The fact and date of the execution of any such instrument
or writing, or the authority of the individual executing the same, may also be proved in any other manner which the Trustee or
the Securities Administrator deems sufficient.

 

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(c)           The
ownership of Certificates (whether or not such Certificates shall be overdue and notwithstanding any notation of ownership or other
writing thereon made by anyone other than the Trustee) shall be proved by the Certificate Register, and none of the Trustee, the
Securities Administrator, the Master Servicer or the Depositor shall be affected by any notice to the contrary.

 

(d)           Any
request, demand, authorization, direction, notice, consent, waiver or other action by the Holder of any Certificate shall bind
every future Holder of the same Certificate and the Holder of every Certificate issued upon the registration of transfer thereof
or in exchange therefor or in lieu thereof, in respect of anything done, omitted or suffered to be done by the Trustee, the Securities
Administrator or the Master Servicer in reliance thereon, whether or not notation of such action is made upon such Certificate.

  

ARTICLE IX

ADMINISTRATION AND SERVICING OF MORTGAGE LOANS BY THE MASTER SERVICER

 

Section 9.01         Duties
of the Master Servicer; Enforcement of Servicer’s and Master Servicer’s Obligations.

 

(a)          The
Master Servicer, on behalf of the Trustee and the Certificateholders shall, from and after the Closing Date, monitor the performance
of the Servicers and the Servicing Administrator under the Servicing Agreements. In performing its obligations hereunder, the Master
Servicer shall act in a manner consistent with Accepted Master Servicing Practices. Furthermore, the Master Servicer shall consult
with each Servicer and the Servicing Administrator as necessary from time to time to carry out the Master Servicer’s obligations
hereunder, shall receive and review all reports, information and other data provided to the Master Servicer by each Servicer and
shall enforce the obligation of each Servicer and the Servicing Administrator duly and punctually to perform and observe the covenants,
duties, obligations and conditions to be performed or observed by such Servicer or the Servicing Administrator under the related
Servicing Agreement. The Master Servicer shall independently and separately monitor each Servicer’s servicing activities
and the activities of the Servicing Administrator with respect to each related Mortgage Loan in respect of the provisions of the
applicable Servicing Agreement, reconcile the reports and other data provided to the Master Servicer pursuant to the previous sentence
on a monthly basis based on the Mortgage Loan data provided to the Master Servicer by or on behalf of the Depositor on the Closing
Date (upon which data the Master Servicer shall be entitled to rely and with respect to which the Master Servicer shall have no
obligation to confirm or verify) and coordinate corrective adjustments to the records of each Servicer and the Master Servicer,
and based on such reconciled and corrected information, the Master Servicer shall provide such information to the Securities Administrator
as shall be necessary in order for it to prepare the statements specified in Section 4.02, and prepare any other information and
statements required to be forwarded by the Master Servicer hereunder. The Master Servicer shall reconcile the results of its Mortgage
Loan monitoring with the actual remittances of each Servicer to the Distribution Account pursuant to the related Servicing Agreement.
The Master Servicer shall, in accordance with each Servicing Agreement, oversee matters relating to the servicing of defaulted
Mortgage Loans, including approving certain Mortgage Loan modifications, reviewing environmental reports related to foreclosed
Mortgage Properties to determine whether to proceed with a foreclosure, approving certain actions relating to the management of
REO Property and approving the release of the original borrower of a Mortgage Loan in connection with Mortgage Loan assumptions.
The Master Servicer shall not approve any modification of a Mortgage Loan to extend the maturity date of such Mortgage Loan past
the Latest Possible Maturity Date of the Certificates. In its review of the activities of any Servicer and the Servicing Administrator,
the Master Servicer may rely upon an Officer’s Certificate of such Servicer or the Servicing Administrator (or similar document
signed by an officer of such Servicer or the Servicing Administrator), and such Servicer’s or the Servicing Administrator’s
Assessment of Compliance and related Accountant’s Attestation or other accountants’ report provided to the Master Servicer
pursuant to the related Servicing Agreement, with regard to such Servicer’s or the Servicing Administrator’s compliance
with the terms of its Servicing Agreement. Subject to Section 9.08, the Master Servicer shall not be responsible or liable for
the day-to-day servicing activities of any Servicer or for any unlawful act or omission, breach, negligence, fraud, willful misconduct
or bad faith of any Servicer.

 

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Upon the occurrence of an event that, unless
cured, would constitute grounds for termination of a Servicer under the related Servicing Agreement, the Master Servicer shall
promptly notify the Trustee and the Depositor thereof, and shall specify in such notice the action, if any, the Master Servicer
is taking in respect of such default. So long as any such event of default shall be continuing, the Master Servicer may, and shall,
if it determines such action to be in the best interests of Certificateholders, (i) terminate all of the rights and powers
of such Servicer pursuant to the applicable provisions of the Servicing Agreement; (ii) exercise any rights it may have to
enforce the Servicing Agreement against such Servicer; and/or (iii) waive any such default under the Servicing Agreement or
take any other action with respect to such default as is permitted thereunder. Notwithstanding the immediately preceding sentence,
if the event of default is the failure of a Servicer or the Servicing Administrator to remit any payment required to be made under
the terms of the applicable Servicing Agreement, and such failure continues unremedied for the duration of the applicable grace
period, then the Master Servicer shall terminate all of the rights and powers of such Servicer or the Servicing Administrator pursuant
to the applicable provisions of the related Servicing Agreement, unless any waiver described under Section 6.16 shall have been
obtained; provided that, upon the occurrence of such an event of default by the Servicing Administrator, the Master Servicer may,
at its option, terminate all of the rights and powers of Cenlar FSB pursuant to the Cenlar FSB Servicing Agreement unless such
a waiver has been obtained.

  

(b)          Upon
any termination by the Master Servicer of the rights and powers of a Servicer or the Servicing Administrator pursuant to the related
Servicing Agreement, the rights and powers of the Servicer or the Servicing Administrator with respect to the related Mortgage
Loans shall vest in the Master Servicer and the Master Servicer shall be the successor in all respects to such Servicer or the
Servicing Administrator in its capacity as Servicer or Servicing Administrator with respect to such Mortgage Loans under the related
Servicing Agreement, unless or until the Master Servicer shall have appointed, with the consent of the Trustee, such consent not
to be unreasonably withheld, a successor to the Servicer or the Servicing Administrator; provided that, with respect to
the appointment of a successor servicer, in accordance with the applicable provisions of the related Servicing Agreement, such
successor servicer shall be a Fannie Mae- or Freddie Mac-approved Person that is a member in good standing of MERS; provided,
further, that no Trustee consent shall be required if the successor servicer or successor servicing administrator is a Person
that was a Servicer on the Closing Date; provided, further, that it is understood and agreed by the parties hereto that
there will be a period of transition (not to exceed 90 days) before the actual servicing functions can be fully transferred
to a successor servicer or a successor servicing administrator (including the Master Servicer). Upon appointment of a successor
servicer or successor servicing administrator, as authorized under this Section 9.01(b), unless the successor servicer or
successor servicing administrator shall have assumed the obligations of the terminated Servicer or the terminated Servicing Administrator,
as applicable, under such Servicing Agreement, the Master Servicer, the Trustee and such successor servicer shall enter into a
servicing agreement in a form substantially similar to the affected Servicing Agreement or into an agreement with such successor
servicing administrator in a form mutually agreed upon by the parties thereto. In connection with any such appointment, the Master
Servicer may make such arrangements for the compensation of such successor servicer or successor servicing administrator as it
and such successor shall agree. The Master Servicer in its sole discretion shall have the right to agree to compensation of a successor
servicer in excess of that permitted to a Servicer under the Servicing Agreements if such increase is, in its good faith and judgment,
necessary or advisable to engage a successor servicer. Notwithstanding anything herein to the contrary, in no event shall the Master
Servicer be liable for any Servicing Fee or for any differential between the amount of the Servicing Fee paid to the original servicer
and the amount necessary to induce any successor servicer to act as successor servicer hereunder.  To the extent the successor
servicer assumes the obligations of the terminated Servicer under the applicable Servicing Agreement, the Master Servicer may amend
such Servicing Agreement to effect such change to the Servicing Fee without the consent of the Certificateholders.

 

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The Master Servicer shall pay the costs
of such enforcement (including the termination of any Servicer or the Servicing Administrator, the appointment of a successor servicer
or successor servicing administrator or the transfer and assumption of the servicing or the servicing administration by the Master
Servicer) at its own expense and shall be reimbursed therefor initially (i) by the terminated Servicer or terminated Servicing
Administrator, as applicable, (ii) from a general recovery resulting from such enforcement only to the extent, if any, that
such recovery exceeds all amounts due in respect of the related Mortgage Loans, (iii) from a specific recovery of costs, expenses
or attorney’s fees against the party against whom such enforcement is directed, or (iv) to the extent that such amounts
described in (i)-(iii) above are not received by the Master Servicer within 30 days of the Master Servicer's request for reimbursement
therefor, from the Trust Fund, as provided in Section 9.04. To the extent the Master Servicer recovers amounts described in
(i)-(iii) above subsequent to its reimbursement from the Trust Fund pursuant to (iv) above, then the Master Servicer promptly will
reimburse such amounts to the Trust Fund.

 

If the Master Servicer assumes the servicing
or servicing administration with respect to any of the Mortgage Loans, it will not assume liability for the representations and
warranties of any Servicer or the Servicing Administrator being replaced or for the errors or omissions of such Servicer or the
Servicing Administrator.

 

(c)          Upon
any termination of the rights and powers of any Servicer or the Servicing Administrator pursuant to the applicable Servicing Agreement,
the Master Servicer shall promptly notify the Trustee, the Securities Administrator and each Rating Agency through the Rule 17g-5
Information Provider, specifying in such notice that the Master Servicer or any successor servicer or successor servicing administrator,
as the case may be, has succeeded the Servicer or the Servicing Administrator, as applicable, under the related Servicing Agreement,
which notice shall also specify the name and address of any such successor servicer or successor servicing administrator .

 

Section 9.02         Assumption
of Master Servicing by Trustee.

 

(a)          In
the event the Master Servicer shall for any reason no longer be the Master Servicer (including by reason of any Event of Default
under this Agreement), the Trustee shall thereupon, in accordance with the terms of Section 6.14 hereof, assume all of the
rights and obligations of such Master Servicer hereunder and under each Servicing Agreement entered into with respect to the Mortgage
Loans or shall appoint as successor master servicer a Fannie-Mae or Freddie Mac-approved servicer that is acceptable to the Depositor
and each Rating Agency. The Trustee, its designee or any successor master servicer appointed by the Trustee shall be deemed to
have assumed all of the replaced Master Servicer’s interest herein and, with respect to each Servicing Agreement, shall be
deemed to have assumed all of the replaced Master Servicer's interest therein to the same extent as if such Servicing Agreement
had been assigned to the assuming party; provided that the replaced Master Servicer shall not thereby be relieved of any
liability or obligations of such replaced Master Servicer under such Servicing Agreement accruing prior to its replacement as Master
Servicer, and shall be liable to the Trustee or any successor master servicer therefor, and hereby agrees to indemnify and hold
harmless the Trustee or any successor master servicer from and against all costs, damages, expenses and liabilities (including
reasonable attorneys’ fees) incurred by the Trustee or any successor master servicer as a result of such liability or obligations
of the replaced Master Servicer and in connection with the Trustee’s or such successor master servicer’s assumption
(but not its performance, except to the extent that costs or liability of the Trustee or any successor master servicer are created
or increased as a result of negligent or wrongful acts or omissions of the replaced Master Servicer prior to its replacement as
Master Servicer) of the Master Servicer’s obligations, duties or responsibilities thereunder.

 

(b)          The
replaced Master Servicer shall, upon request of the Trustee but at the expense of such replaced Master Servicer, deliver to the
assuming party all documents and records relating to each Servicing Agreement and the related Mortgage Loans and an accounting
of amounts collected and held by it, and otherwise use its best efforts to effect the orderly and efficient transfer of each Servicing
Agreement to the assuming party.

 

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Section 9.03         Representations,
Warranties and Covenants of the Master Servicer.

 

(a)          The
Master Servicer hereby represents and warrants to the Depositor, the Securities Administrator (to the extent that the Master Servicer
and the Securities Administrator are not the same Person) and the Trustee, for the benefit of the Certificateholders, as of the
Closing Date that:

    

(i)          it
is validly existing and in good standing under the laws of the United States of America as a national banking association, 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)       the
Master Servicer, or an affiliate thereof the primary business of which is the servicing of conventional residential mortgage loans,
is a Fannie Mae- or Freddie Mac-approved seller/servicer;

 

(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 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.

 

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(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. In addition to any indemnity required pursuant to Section 6.25 hereof, the Master Servicer shall indemnify
the Depositor, the Securities Administrator (to the extent that the Master Servicer and the Securities Administrator are not the
same Person) and the Trustee and hold them harmless against any loss, damages, penalties, fines, forfeitures, 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 material breach of the Master Servicer’s representations and warranties contained in Section 9.03(a)
or any failure by the Master Servicer to deliver any information, report, certification, accountants’ letter or other material
when and as required under this Agreement. It is understood and agreed that the enforcement of the obligation of the Master Servicer
set forth in this Section to indemnify the Depositor, the Securities Administrator and the Trustee as provided in this Section
9.03(b) constitutes the sole remedy (other than as set forth in Section 6.14) of the Depositor, the Securities Administrator
and the Trustee, 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 9.03(b) shall accrue upon discovery
of such breach by either the Depositor, the Master Servicer or the Trustee or written notice thereof by any one of such parties
to the other parties.

 

The Master Servicer shall not be responsible
for the validity, priority, perfection or sufficiency of the security of the Certificates issued or intended to be issued hereunder.

 

(c)          The
Master Servicer covenants and agrees that it shall not hold or purchase any Certificate if its holding or purchase of such Certificate
(or interest therein) would cause the Master Servicer to be required to consolidate any assets of the Trust Fund on its financial
statements under U.S. generally accepted accounting principles (“Consolidate” or “Consolidation”). The
Master Servicer shall be deemed to have represented by virtue of its purchase or holding of such Certificate (or interest therein)
that its holding or purchase of such Certificate (or interest therein) will not cause the Master Servicer to be required to Consolidate
any assets of the Trust on its financial statements.

 

If the Master Servicer's holding or purchase
of a Certificate (or interest therein) does in fact cause such Consolidation, then the last preceding transferee that is not required
to Consolidate shall be restored, to the extent permitted by law, to all rights and obligations as owner of such Certificate retroactive
to the date of such transfer of such Certificate. If the Master Servicer holds or purchases a Certificate (or interest therein)
in violation of the restrictions in this Section 9.03(c) and to the extent that the retroactive restoration of the rights of the
owner of such Certificate as described in the immediately preceding sentence shall be invalid, illegal or unenforceable, then the
Securities Administrator shall have the right, without notice to the owner or any prior owner of such Certificate, to sell such
Certificate to a purchaser selected by the Securities Administrator on such terms as the Securities Administrator may choose. The
Master Servicer shall promptly endorse and deliver such Certificate in accordance with the instructions of the Securities Administrator.
The proceeds of such sale, net of the commissions (which may include commissions payable to the Securities Administrator or its
affiliates), expenses and taxes due, if any, shall be remitted by the Securities Administrator to the Master Servicer. The terms
and conditions of any sale under this Section 9.03(c) shall be determined in the sole discretion of the Securities Administrator,
and the Securities Administrator shall not be liable to any owner of a Certificate as a result of its exercise of such discretion.
The Master Servicer shall indemnify and hold harmless the Depositor and the Trust Fund from and against any and all losses, liabilities,
claims, costs or expenses incurred by such parties as a result of such holding or purchase by the Master Servicer resulting in
a Consolidation.

 

(d)          The
Master Servicer covenants and agrees that it shall not transfer its master servicing rights and duties under this Agreement to
an insured depository institution, as such term is defined in the Federal Deposit Insurance Act (an “insured depository institution”,
and any such insured depository institution in such capacity, a “master servicer transferee”) unless the Master Servicer
shall have received a representation from the master servicer transferee that the acquisition of such master servicing rights and
duties will not cause the master servicer transferee to be required to Consolidate any assets of the Trust Fund on its financial
statements. Any master servicer transferee shall be deemed to have represented by virtue of its acquisition of such master servicing
rights and duties that such acquisition will not cause Consolidation. Any master servicer transferee whose acquisition of such
master servicing rights and duties was effected in violation of the restrictions in this Section 9.03(d) shall indemnify and hold
harmless the Master Servicer, the Depositor and the Trust Fund from and against any and all losses, liabilities, claims, costs
or expenses incurred by such parties as a result of such acquisition.

 

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Section 9.04         Compensation
to the Master Servicer.

 

The Master Servicer shall be entitled to
be paid from the Trust Fund, and shall either retain or withdraw from the Distribution Account, (i) its Master Servicing Fee
with respect to each Distribution Date, (ii) all amounts necessary to reimburse itself for any previously unreimbursed Advances,
Servicer Advances and Nonrecoverable Advances in accordance with the definition of “Available Distribution Amount”
and (iii) in accordance with the second paragraph of Section 9.01(b), the cost of any enforcement action taken by it under Section
9.01 hereof, including, without limitation, any costs incurred in connection with the termination of a Servicer or the Servicing
Administrator, the appointment of a successor servicer or successor servicing administrator or the transfer and assumption of the
servicing or servicing administration by the Master Servicer. The Master Servicer shall be required to pay all expenses incurred
by it in connection with its activities hereunder and shall not be entitled to reimbursement therefor except as provided in this
Agreement.

  

In addition, the Depositor agrees, except
as otherwise expressly provided herein, to reimburse the Master Servicer, upon its request, for all reasonable expenses, disbursements
and advances incurred or made by the Master Servicer in connection with the performance of its duties hereunder (including the
reasonable compensation and the expenses and disbursements of its agents and counsel), to the extent not otherwise reimbursed pursuant
to this Agreement, except any such expense, disbursement or advance as may be attributable to its willful misfeasance, bad faith
or negligence.

 

Section 9.05         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 or any Affiliate thereof whose primary business is the servicing of conventional residential mortgage loans shall
be a Person that shall be qualified and approved to service mortgage loans for Fannie Mae or Freddie Mac and shall have a net worth
of not less than $15,000,000.

 

Section 9.06         Resignation
of Master Servicer.

 

Except as otherwise provided in Sections 9.05
and 9.07 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 such conflict 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. No such
resignation shall become effective until the Trustee shall have assumed, or a successor master servicer shall have been appointed
by the Trustee and until such successor 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.

 

If, at any time, the Master Servicer resigns
under this Section 9.06, or transfers or assigns its rights and obligations under Section 9.07, or is removed as Master
Servicer pursuant to Section 6.14, then at such time Wells Fargo Bank, N.A. also shall resign (and shall be entitled to resign)
as Securities Administrator, Paying Agent, Authenticating Agent and Certificate Registrar under this Agreement. In such event,
the obligations of each such party shall be assumed by the Trustee or such successor master servicer appointed by the Trustee (subject
to the provisions of Section 9.02(a)).

     

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Section 9.07         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 hereunder; provided, however, that the Master Servicer shall have the right with the prior written
consent of the Trustee and the Depositor (which consent shall not be unreasonably withheld), 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 and the Trustee. If, pursuant to any provision hereof, the duties of the Master Servicer are transferred to a
successor master servicer, the entire amount of the Master Servicing Fee and other compensation payable to the Master Servicer
pursuant hereto shall thereafter be payable to such successor master servicer. Such successor master servicer shall also pay the
fees of the Trustee and the Securities Administrator, as provided herein, and of the Custodian, as provided in the Custodial Agreement.

 

Section 9.08         Limitation
on Liability of the Master Servicer and Others.

 

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 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 misfeasance, bad faith or negligence in its 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 of any kind 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 to master service the Mortgage Loans in accordance with 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 of 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 expenses, costs and liabilities of the Trust Fund and the Master
Servicer shall be entitled to be reimbursed therefor out of the Distribution Account.

 

The Master Servicer shall not be liable
for any acts or omissions of any 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 misfeasance, bad faith or
recklessness of the Master Servicer in supervising, monitoring and overseeing the obligations of the Servicers under this Agreement.

 

Section 9.09         Indemnification;
Third-Party Claims.

 

In addition to any indemnity required pursuant
to Section 6.25 hereof, the Master Servicer agrees to indemnify the Depositor, the Securities Administrator (to the extent
that the Master Servicer and the Securities Administrator are not the same Person) and the Trustee, 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 Depositor, the Securities Administrator or the Trustee may sustain as a result of the Master Servicer’s
willful misfeasance, 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 Securities Administrator (to the extent that the Master
Servicer and the Securities Administrator are not the same Person) and the Trustee shall immediately notify the Master Servicer
if a claim is made by a third party with respect to this Agreement or the Mortgage Loans entitling the Depositor, the Securities
Administrator (to the extent that the Master Servicer and the Securities Administrator are not the same Person) or the Trustee
to indemnification under this Section 9.09, 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.

 

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Section 9.10         Master
Servicer Fidelity Bond and Master Servicer Errors and Omissions Insurance Policy.

 

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, 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.

 

ARTICLE X

REMIC ADMINISTRATION

 

Section
10.01         REMIC Administration. 

 

(a)           REMIC
elections as set forth in the Preliminary Statement to this Agreement shall be made by the Trustee at the direction of the Securities
Administrator on Forms 1066 or other appropriate federal tax or information return for the taxable year ending on the last day
of the calendar year in which the Certificates are issued.  The regular interests and residual interest in each REMIC
shall be as designated in the Preliminary Statement to this Agreement.

 

(b)           The
Closing Date is hereby designated as the “Startup Day” of each REMIC within the meaning of section 86OG(a)(9) of the
Code.  The “latest possible maturity date” for each REMIC for purposes of Treasury Regulation 1.86OG-1(a)(4)
will be the Latest Possible Maturity Date.

 

(c)           The
Securities Administrator shall represent the Trust Fund in any administrative or judicial proceeding relating to an examination
or audit by any governmental taxing authority with respect thereto.  The Securities Administrator shall pay any and all
tax-related expenses (not including taxes) of each REMIC, including but not limited to any professional fees or expenses related
to audits or any administrative or judicial proceedings with respect to such REMIC that involve the Internal Revenue Service or
state tax authorities, but only to the extent that (i) such expenses are ordinary or routine expenses, including expenses of a
routine audit but not expenses of litigation (except as described in (ii)); or (ii) such expenses or liabilities (including taxes
and penalties) are attributable to the negligence or willful misconduct of the Securities Administrator in fulfilling its duties
hereunder (including its duties as tax return preparer).  The Securities Administrator shall be entitled to reimbursement
of expenses to the extent provided in clause (i) above from the Distribution Account; provided, however, the Securities
Administrator shall not be entitled to reimbursement for expenses incurred in connection with the preparation of tax returns and
other reports required under Section 6.20 and this Section.

 

(d)           The
Securities Administrator shall prepare and file, and the Trustee shall sign, as instructed by the Securities Administrator, all
of each REMIC’s federal and appropriate state tax and information returns as such REMIC’s direct representative.  The
expenses of preparing and filing such returns shall be borne by the Securities Administrator.  In preparing such returns,
the Securities Administrator shall, with respect to each REMIC created hereunder other than the Upper-Tier REMIC (each such REMIC,
a “Non-Upper-Tier REMIC”):  (i) treat the accrual period for interests in such Non-Upper-Tier REMIC as the
calendar month; (ii) account for distributions made from such Non-Upper-Tier REMIC as made on the first day of each succeeding
calendar month; (iii) use the aggregation method provided in Treasury Regulation section 1.1275-2(c); and (iv) account for income
and expenses related to such Non-Upper-Tier REMIC in the manner resulting in the lowest amount of excess inclusion income possible
accruing to the Holder of the residual interest in such Non-Upper-Tier REMIC.

 

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(e)           The
Securities Administrator or its designee shall perform on behalf of each REMIC all reporting and other tax compliance duties that
are the responsibility of such REMIC under the Code, the REMIC Provisions, or other compliance guidance issued by the Internal
Revenue Service or any state or local taxing authority.  Among its other duties, if required by the Code, the REMIC Provisions,
or other such guidance, the Securities Administrator shall provide (i) to the Treasury or other governmental authority such information
as is necessary for the application of any tax relating to the transfer of a Residual Certificate to any disqualified person or
organization pursuant to Treasury Regulation 1.860E-2(a)(5) and any person designated in Section 860E(e)(3) of the Code and (ii)
to the Trustee such information as is necessary for the Trustee to provide to the Certificateholders such information or reports
as are required by the Code or REMIC Provisions.

 

(f)           The
Trustee, the Securities Administrator, the Master Servicer and the Holders of Certificates shall, to the extent within their knowledge
and control, take such actions as may be necessary to maintain the status of each REMIC as a REMIC under the REMIC Provisions and
shall assist each other as necessary to maintain such status.  None of the Trustee, the Securities Administrator, the
Master Servicer or the Holder of any Residual Certificate shall knowingly take any action, cause any REMIC to take any action or
fail to take (or fail to cause to be taken) any action that, under the REMIC Provisions, if taken or not taken, as the case may
be, could result in an Adverse REMIC Event unless the Trustee, the Securities Administrator and the Master Servicer have received
an Opinion of Counsel (at the expense of the party seeking to take such action or not to take such action) to the effect that the
contemplated action (or inaction, as the case may be) will not cause an Adverse REMIC Event.  In addition, prior to taking
any action with respect to any REMIC or the assets therein, or causing any REMIC to take any action, which is not expressly permitted
under the terms of this Agreement, any Holder of a Residual Certificate will consult with the Trustee, the Securities Administrator,
the Master Servicer or their respective designees, in writing, with respect to whether such action could cause an Adverse REMIC
Event to occur with respect to any REMIC, and no such Person shall take any such action or cause any REMIC to take any such action
as to which the Trustee, the Securities Administrator or the Master Servicer has advised it in writing that an Adverse REMIC Event
could occur; provided, however, that if no Adverse REMIC Event would occur but such action could result in the imposition
of additional taxes on the Residual Certificateholders, no such Person shall take any such action, or cause any REMIC to take any
such action without the written consent of the other Residual Certificateholders.  The Trustee, the Securities Administrator
and the Master Servicer may consult with counsel (and conclusively rely upon the advice of such counsel) to make such written advice,
and the cost of the same shall be borne by the party seeking to take the action not expressly permitted by this Agreement, but
in no event shall such cost be an expense of the Trustee, Securities Administrator or the Master Servicer.

 

(g)           Each
Holder of a Residual Certificate shall pay when due any and all taxes imposed on the related REMIC by federal or state governmental
authorities.  To the extent that such taxes are not paid by a Residual Certificateholder, the Securities Administrator
or the Paying Agent shall pay any remaining REMIC taxes out of current or future amounts otherwise distributable to the Holder
of the Residual Certificate in any such REMIC or, if no such amounts are available, out of other amounts held in the Distribution
Account, and shall reduce amounts otherwise payable to holders of regular interests in any such REMIC, as the case may be.

 

(h)           The
Securities Administrator shall, for federal income tax purposes, maintain books and records with respect to each REMIC on a calendar
year and on an accrual basis.

 

(i)           No
additional contributions of assets shall be made to any REMIC, except as expressly provided in this Agreement.

 

(j)           None
of the Trustee, the Securities Administrator nor the Master Servicer shall enter into any arrangement by which any REMIC will
receive a fee or other compensation for services.

 

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(k)           The
Holder (or, if there is more than one such Holder, the Holder with the largest Percentage Interest) of the Class LT-R Certificate
is hereby designated as “tax matters person” with respect to the Lower-Tier REMIC and the Holder of the Class R Certificate
(or, if there is more than one such Holder, the Holder with the largest Percentage Interest) is hereby designated as “tax
matters person” with respect to the Upper-Tier REMIC and each such Holder shall be deemed by the acceptance of its Certificate
to have appointed the Securities Administrator to act as its agent to perform the duties of the “tax matters person”
for each such REMIC.

 

Section
10.02         Prohibited Transactions and Activities. 

 

None of the Depositor, the Master Servicer
or the Trustee shall sell, dispose of, or substitute for any of the Mortgage Loans, except in a disposition pursuant to (i) the
foreclosure of a Mortgage Loan, (ii) the bankruptcy of the Trust Fund, (iii) the termination of each REMIC pursuant to Article
VII of this Agreement, (iv) a repurchase of Mortgage Loans pursuant to Article II of this Agreement or (v) a sale of a Mortgage
Loan to a governmental entity acquiring such Mortgage Loan through the exercise of its power of eminent domain pursuant to Section
2.08 of this Agreement, nor acquire any assets for any REMIC, nor sell or dispose of any investments in the Distribution Account
for gain, nor accept any contributions to any REMIC after the Closing Date, unless it has received an Opinion of Counsel (at the
expense of the party causing such sale, disposition, or substitution) that such disposition, acquisition, substitution, or acceptance
will not (a) result in an Adverse REMIC Event, (b) adversely affect the distribution of interest or principal on the Certificates
or (c) result in the encumbrance of the assets transferred or assigned to the Trust Fund (except pursuant to the provisions of
this Agreement).

 

Section
10.03         Indemnification With Respect to Prohibited Transactions or Loss of REMIC
Status.

 

Upon the occurrence of an Adverse REMIC
Event due to the negligent performance by either the Securities Administrator or the Master Servicer of its duties and obligations
set forth herein, the Securities Administrator or the Master Servicer, as applicable, shall indemnify the Certificateholders of
the related Residual Certificate against any and all losses, claims, damages, liabilities or expenses (“Losses”) resulting
from such negligence; provided, however, that neither the Securities Administrator nor the Master Servicer shall be liable
for any such Losses attributable to the action or inaction of the Depositor, the Trustee or the Holder of the Residual Certificate,
nor for any such Losses resulting from misinformation provided by any of the foregoing parties on which the Securities Administrator
or the Master Servicer, as applicable, has relied.  Notwithstanding the foregoing, however, in no event shall the Securities
Administrator or the Master Servicer have any liability (1) for any action or omission that is taken in accordance with and in
compliance with the express terms of, or which is expressly permitted by the terms of, this Agreement or under any Servicing Agreement,
(2) for any Losses other than arising out of malfeasance, willful misconduct or negligent performance by the Securities Administrator
or the Master Servicer, as applicable, of its duties and obligations set forth herein, and (3) for any special or consequential
damages to Certificateholders of the related Residual Certificate (in addition to payment of principal and interest on the Certificates).

 

Section 10.04         REO
Property.

 

(a)          Notwithstanding
any other provision of this Agreement, the Master Servicer, acting on behalf of the Trustee hereunder, shall not, except to the
extent provided in the applicable Servicing Agreement, knowingly permit any Servicer to rent, lease, or otherwise earn income on
behalf of any REMIC with respect to any REO Property which might cause an Adverse REMIC Event unless the applicable Servicer has
provided to the Trustee and the Securities Administrator an Opinion of Counsel concluding that, under the REMIC Provisions, such
action would not result in an Adverse REMIC Event.

 

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(b)            The
Depositor shall cause the applicable Servicer (to the extent provided in the related Servicing Agreement) to make reasonable efforts
to sell any REO Property for its fair market value. In any event, however, the Depositor shall, or shall cause the applicable Servicer
(to the extent provided in the related Servicing Agreement) to, dispose of any REO Property within three years of its acquisition
by the Trust Fund unless the Depositor or the applicable Servicer (on behalf of the Trust Fund) has received an extension from
the Internal Revenue Service to the effect that, under the REMIC Provisions and any relevant proposed legislation and under applicable
state law, the REMIC may hold REO Property for a longer period without causing an Adverse REMIC Event. If such an extension has
been received, then the Depositor, acting on behalf of the Trustee hereunder, shall, or shall cause the applicable Servicer to,
continue to attempt to sell the REO Property for its fair market value for such period longer than three years as such extension
permits (the “Extended Period”). If such an extension has not been received and the Depositor or the applicable Servicer,
acting on behalf of the Trust Fund hereunder, is unable to sell the REO Property within 33 months after its acquisition by
the Trust Fund, or if such an extension has been received and the Depositor or the applicable Servicer is unable to sell the REO
Property within the period ending three months before the close of the Extended Period, the Depositor shall cause the applicable
Servicer, before the end of the three year period or the Extended Period, as applicable, to (i) purchase such REO Property
at a price equal to the REO Property’s fair market value or (ii) auction the REO Property to the highest bidder (which
may be the applicable Servicer) in an auction reasonably designed to produce a fair price prior to the expiration of the three-year
period or the Extended Period, as the case may be.

 

ARTICLE XI

 

MISCELLANEOUS PROVISIONS

 

Section
11.01                Binding Nature of Agreement;
Assignment. 

 

This Agreement shall be binding upon and
inure to the benefit of the parties hereto and their respective successors and permitted assigns.

 

Section
11.02                Entire Agreement. 

 

This Agreement contains the entire agreement
and understanding among the parties hereto with respect to the subject matter hereof, and supersedes all prior and contemporaneous
agreements, understandings, inducements and conditions, express or implied, oral or written, of any nature whatsoever with respect
to the subject matter hereof.  The express terms hereof control and supersede any course of performance and/or usage
of the trade inconsistent with any of the terms hereof.

 

Section
11.03                Amendment. 

 

(a)           This
Agreement may be amended from time to time by written agreement between the Depositor, the Master Servicer, the Securities Administrator
and the Trustee, without notice to or the consent of any of the Holders, (i) to cure any ambiguity or mistake, (ii) to cause the
provisions herein to conform to or be consistent with or in furtherance of the statements made with respect to the Certificates,
the Trust Fund or this Agreement in the Prospectus, or to correct or supplement any provision herein which may be inconsistent
with any other provisions herein or with the provisions of any Servicing Agreement, (iii) to make any other provisions with respect
to matters or questions arising under this Agreement, (iv) to add, delete, or amend any provisions to the extent necessary or desirable
to comply with any requirements imposed by the Code and the REMIC Provisions, (v) if necessary in order to avoid a violation of
any applicable law or regulation or (vi) if a TIA Applicability Determination has been made, to modify, eliminate or add to the
provisions of this Agreement to the extent necessary to (A) effect the qualification of this Agreement under the TIA or under any
similar federal statute and to add any other provisions as may be expressly required by the TIA, and (B) modify other provisions
of this Agreement to the extent necessary to make such provisions consistent with, and conform to, the modifications made pursuant
to clause (A); provided that, with respect to clause (vi), the parties hereto are deemed to have agreed, to the extent permitted
under the TIA, that this Agreement expressly excludes any non-mandatory provisions under the TIA that (x) would conflict with the
provisions of this Agreement or (y) increase the obligations, liabilities or scope of responsibility of any party hereto.  No
such amendment effected pursuant to the preceding sentence shall, as evidenced by an Opinion of Counsel, result in an Adverse REMIC
Event, nor shall such amendment effected pursuant to clause (iii) of such sentence adversely affect in any material respect the
interests of any Holder.  Prior to entering into any amendment without the consent of Holders pursuant to this paragraph,
the Trustee shall be provided with an Opinion of Counsel (at the expense of the party requesting such amendment) to the effect
that such amendment is permitted under this Agreement and, with respect to an amendment effected pursuant to clause (v) above,
to the effect that such amendment is necessary in order to avoid a violation of such applicable law. 

 

    	101

    	 

    

 

(b)           This
Agreement may also be amended from time to time by the Depositor, the Master Servicer, the Securities Administrator and the Trustee,
with the consent of the Holders of not less than 66-2/3% of the Class Principal Amount or Class Notional Amount (or Percentage
Interest) 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; provided, however,
that no such amendment shall be made unless the Trustee and the Securities Administrator receive an Opinion of Counsel, at the
expense of the party requesting the change, that such change will not cause an Adverse REMIC Event; and provided further,
that no such amendment may (i) reduce in any manner the amount of, or delay the timing of, payments received on Mortgage Loans
which are required to be distributed on any Certificate, without the consent of the Holder of such Certificate or (ii) reduce the
aforesaid percentages of Class Principal Amount or Class Notional Amount (or Percentage Interest) of Certificates of each Class,
the Holders of which are required to consent to any such amendment without the consent of the Holders of 100% of the Class Principal
Amount or Class Notional Amount (or Percentage Interest) of each Class of Certificates affected thereby.  For purposes
of this paragraph, references to “Holder” or “Holders” shall be deemed to include, in the case of any Class
of Book-Entry Certificates, the related Certificate Owners.

 

(c)           Promptly
after the execution of any such amendment, the Trustee shall furnish written notification of the substance of such amendment to
each Holder, the Depositor and each Rating Agency through the Rule 17g-5 Information Provider. The Securities Administrator and
the Certificate Registrar shall cooperate with the Trustee in connection with the Trustee's obligations under this Section 11.03.

 

(d)           It
shall not be necessary for the consent of Holders under this Section 11.03 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 Holders shall be subject to such reasonable regulations as the
Trustee may prescribe.

 

(e)           Notwithstanding
anything to the contrary in any Servicing Agreement, the Trustee shall not consent to any amendment of any Servicing Agreement
except pursuant to the standards provided in this Section with respect to amendment of this Agreement. In addition, none of the
Trustee, the Master Servicer, the Securities Administrator or the Depositor shall consent to any amendment to any Servicing Agreement
unless prior written notice of the substance of such amendment has been delivered to each Rating Agency through the Rule 17g-5
Information Provider.

 

(f)           Prior
to the execution of any amendment to this Agreement, each of the Trustee and the Securities Administrator shall be entitled to
receive and conclusively rely on an Opinion of Counsel (at the expense of the Person seeking such amendment) stating that the execution
of such amendment is authorized and permitted by this Agreement.  The Trustee and the Securities Administrator may, but
shall not be obligated to, enter into any such amendment which affects the Trustee’s or the Securities Administrator’s
own rights, duties or immunities under this Agreement.

 

    	102

    	 

    

 

Section
11.04               Voting Rights. 

 

Except to the extent that the consent of
all affected Certificateholders is required pursuant to this Agreement, with respect to any provision of this Agreement requiring
the consent of Certificateholders representing specified percentages of aggregate outstanding Certificate Principal Amount or Class
Notional Amount (or Percentage Interest), Certificates owned by the Depositor, the Master Servicer, the Securities Administrator,
the Trustee, any Servicer or any Affiliate thereof are not to be counted so long as such Certificates are owned by the Depositor,
the Master Servicer, the Securities Administrator, the Trustee, any Servicer or any Affiliate thereof.

 

Section
11.05                Provision of Information. 

 

(a)           For
so long as any of the Certificates of any Class are “restricted securities” within the meaning of Rule 144(a)(3) under
the Securities Act, each of the Depositor, the Master Servicer, the Securities Administrator and the Trustee agree to cooperate
with each other to provide to any Certificateholders and to any prospective purchaser of Certificates designated by such holder,
upon the request of such holder or prospective purchaser, any information required to be provided to such holder or prospective
purchaser to satisfy the condition set forth in Rule 144A(d)(4) under the Securities Act.  Any reasonable, out-of-pocket
expenses incurred by the Trustee, the Master Servicer or the Securities Administrator in providing such information shall be reimbursed
by the Depositor.

 

(b)           The
Securities Administrator shall provide to any person to whom a Prospectus was delivered, upon the written request of such person
specifying the document or documents requested, (i) a copy (excluding exhibits) of any report on Form 8-K, Form 10-D or Form 10-K
(or other prescribed form) filed with the Securities and Exchange Commission pursuant to Section 6.21 and (ii) a copy of any other
document incorporated by reference in the Prospectus.  Any reasonable out-of-pocket expenses incurred by the Securities
Administrator in providing copies of such documents shall be reimbursed by the Depositor.

 

(c)          On
each Distribution Date, the Securities Administrator shall deliver or cause to be delivered by first class mail or make available
on its website to the Depositor, Attention:  Contract Finance, a copy of the report delivered to Certificateholders pursuant
to Section 4.02.

 

Section
11.06                Governing Law. 

 

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

 

Section
11.07                Notices. 

 

(a)            All
demands, notices and communications required to be delivered to the Depositor, the Seller, the Trustee, the Master Servicer, the
Securities Administrator or the Certificate Registrar hereunder shall be in writing and shall be deemed to have been duly given
if (i) personally delivered, (ii) mailed by registered mail, postage prepaid, (iii) delivered by overnight courier, or (iv) transmitted
via email, telegraph or facsimile, in each instance at the address listed below, or such other address as may hereafter be furnished
by any party to the other parties in writing:

 

For posting by the Rule 17g-5 Information
Provider:

 

rmbs17g5informationprovider@wellsfargo.com

 

In the case of the Depositor:

 

    	103

    	 

    

 

Sequoia Residential Funding, Inc.

One Belvedere Place, Suite 330

Mill
Valley, CA 94941

Facsimile number (415) 381-1773

Electronic mail address: Sequoia.Notices@redwoodtrust.com

Attention:  Sequoia Mortgage Trust 2013-1

 

In the case of the Seller:

 

Redwood Residential Acquisition Corporation

One Belvedere Place, Suite 330

Mill
Valley, CA 94941

Facsimile number (415) 381-1773

Electronic mail address: Sequoia.Notices@redwoodtrust.com

Attention:  Sequoia Mortgage Trust 2013-1

 

In the case of the Master Servicer and the Securities
Administrator:

 

Wells Fargo Bank, N.A.

P.O.
Box 98

Columbia,
Maryland 21046

 

(or, for overnight deliveries:

9062 Old Annapolis Road

Columbia,
Maryland 21045)

 

Telephone number: (410) 884-2000

Facsimile
number: (410) 715-2380

Attention: Client Manager — Sequoia Mortgage Trust
2013-1

 

In the case of the Certificate Registrar:

 

Wells Fargo Bank, N.A.

Sixth Street and Marquette Avenue

Minneapolis,
Minnesota 55479

Facsimile number: 1-866-614-1273

Electronic mail address: g=cts-spg-team-a-5@wellsfargo.com

Attention: Corporate Trust Services — Sequoia
Mortgage Trust 2013-1

 

In the case of the Trustee:

 

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

500
Delaware Avenue, 11th Floor

Wilmington,
DE 19801

Attention: Corporate Trust — Sequoia Mortgage
Trust 2013-1

 

Any such demand, notice or communication
shall be deemed to have been received on the date delivered to the premises of the addressee and (A) if delivered by registered
mail, overnight courier, or facsimile, as evidenced by the date noted on a return or confirmation of receipt and (B) if delivered
by electronic mail, when sent to the address specified above, provided no error or rejection message has been received by the sender.

 

    	104

    	 

    

 

(b)            Notices
to any Certificateholder shall be deemed to be duly given by any party hereto (i) in the case of any holder of a Definitive
Certificate, on the date mailed, first class postage prepaid, to the address of such holder as included on the certificate register,
or (ii) in the case of any book-entry certificate, on the date when such notice or communication is delivered to the Clearing Agency,
it being understood that the Clearing Agency shall give such notices and communications to the related underlying participants
in accordance with its applicable rules, regulations and procedures.

 

All notices or communications to Certificateholders
shall also be posted and made available to all Certificateholders, whether definitive or book-entry, as well as the Depositor,
the Master Servicer, the Securities Administrator and the Trustee, by the Securities Administrator on the Securities Administrator
website located at www.ctslink.com. Unless otherwise expressly provided for herein, all notices and communications required to
be delivered hereunder shall be delivered to such parties and Certificateholders and posted by the Securities Administrator on
the Securities Administrator 's website, in each instance, as soon as reasonably practicable.

 

(c)            The
Depositor hereby covenants that it shall provide written notice to the Trustee, which written notice may be via electronic mail,
once the Servicers have furnished to the Mortgagors, in accordance with the applicable Servicing Agreements, the notices required
to be furnished under Section 404 of the Helping Families Save Their Homes Act of 2009, as amended and in effect from time to time.

 

Section
11.08                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
11.09                Indulgences; No Waivers. 

 

Neither the failure nor any delay on the
part of a party to exercise any right, remedy, power or privilege under this Agreement shall operate as a waiver thereof, nor shall
any single or partial exercise of any right, remedy, power or privilege preclude any other or further exercise of the same or of
any other right, remedy, power or privilege, nor shall any waiver of any right, remedy, power or privilege with respect to any
occurrence be construed as a waiver of such right, remedy, power or privilege with respect to any other occurrence.  No
waiver shall be effective unless it is in writing and is signed by the party asserted to have granted such waiver.

 

Section
11.10                Headings Not to Affect Interpretation. 

 

The headings contained in this Agreement
are for convenience of reference only, and they shall not be used in the interpretation hereof.

 

Section
11.11                Benefits of Agreement. 

 

Nothing in this Agreement or in the Certificates,
express or implied, shall give to any Person, other than the parties to this Agreement and their successors hereunder and the Holders
of the Certificates, any benefit or any legal or equitable right, power, remedy or claim under this Agreement.

 

    	105

    	 

    

 

Section
11.12                Special Notices to the Rating
Agencies. 

 

(a)           The
Depositor shall give prompt notice to each Rating Agency through the Rule 17g-5 Information Provider of the occurrence of any of
the following events of which it has notice:

 

(i)            any
amendment to this Agreement pursuant to Section 11.03, including prior advance written notice of any amendment to this Agreement
pursuant to Section 11.03(a);

 

(ii)            any
assignment by the Master Servicer of its rights hereunder or delegation of its duties hereunder;

 

(iii)            the
occurrence of any Event of Default and any waiver of any Event of Default pursuant to Section 6.14;

 

(iv)            any
notice of termination given to the Master Servicer pursuant to Section 6.14 and any resignation of the Master Servicer hereunder;

 

(v)            the
termination of any successor to any Master Servicer pursuant to Section 6.14;

 

(vi)            the
making of a final payment pursuant to Section 7.01; and

 

(vii)            any
termination of the rights and obligations of a Servicer or the Servicing Administrator under any Servicing Agreement and any transfer
of servicing or servicing administration under any Servicing Agreement.

 

(b)           All
notices to the Rating Agencies provided for in this Section shall be in writing and sent first to the Rule 17g-5 Information Provider
and then by first class mail, telecopy, electronic mail or overnight courier, as follows:

 

If to Fitch, to:

Fitch, Inc.

One State Street Plaza, 28th Floor

New
York, NY 10004

Attn: SEMT 2013-1

 

If to KBRA, to:

Kroll Bond Rating Agency, Inc.

845 Third Avenue

New
York, NY 10022

Electronic Mail: mbssurveillance@krollbondratings.com

Attention: RMBS Surveillance

 

If to Moody’s, to:

Moody’s Investors Service

7 World Trade Center @ 250 Greenwich St.

New
York, NY 10007

Electronic Mail: servicerreports@moodys.com

Attn: Residential Mortgages

 

(c)           The
Securities Administrator shall provide or make available to each Rating Agency through the Rule 17g-5 Information Provider reports
prepared pursuant to Section 4.02 and the reports filed on Form 10-K pursuant to Section 6.21(b)(i)(1) through (4).  In
addition, the Securities Administrator shall, at the expense of the Trust Fund, make available to each Rating Agency through the
Rule 17g-5 Information Provider such information as each Rating Agency may reasonably request regarding the Certificates or the
Trust Fund, to the extent that such information is reasonably available to the Securities Administrator; provided, the Securities
Administrator shall not be required to post to the Rule 17g-5 Website any information previously posted to and available on the
Securities Administrator’s website.

 

    	106

    	 

    

 

Section
11.13                Conflicts. 

 

To the extent that the terms of this Agreement
conflict with the terms of any Servicing Agreement, the related Servicing Agreement shall govern.

 

Section
11.14                Counterparts. 

 

This Agreement may be executed in one or
more counterparts, each of which shall be deemed to be an original, and all of which together shall constitute one and the same
instrument.

 

Section
11.15                No Petitions.

 

The Trustee and the Master Servicer, by
entering into this Agreement, and each Certificateholder, by accepting a Certificate, hereby covenant and agree that they shall
not at any time institute against the Depositor, or join in any institution against the Depositor of, any bankruptcy, reorganization,
arrangement, insolvency or liquidation proceedings, or other proceedings under any United States federal or state bankruptcy or
similar law in connection with any obligations relating to the Certificates, this Agreement or any of the documents entered into
by the Depositor in connection with the transactions contemplated by this Agreement.

 

    	107

    	 

    

 

IN WITNESS WHEREOF, the parties hereto have
caused their names to be signed hereto by their respective officers hereunto duly authorized as of the day and year first above
written.

 

	SEQUOIA RESIDENTIAL FUNDING, INC.,
	as Depositor
	 
	By: 	/s/ John Isbrandtsen	 
	Name: John Isbrandtsen
	Title: Authorized Officer
	 
	CHRISTIANA TRUST, a division of
	Wilmington Savings Fund Society, FSB,
	as Trustee
	 
	By: 	/s/ Jeffrey R. Everhart	 
	Name: Jeffrey R. Everhart
	Title: AVP
	 
	WELLS FARGO BANK, N.A.,
	as Master Servicer
	 
	By: 	/s/ Graham M. Oglesby	 
	Name: Graham M. Oglesby
	Title: VP
	 
	WELLS FARGO BANK, N.A.,
	as Securities Administrator and Rule 17g-5 Information Provider
	 
	By: 	/s/ Graham M. Oglesby	 
	Name: Graham M. Oglesby
	Title: VP

 

    	 

    	 

    

 

	Solely for purposes of Section 2.04 and Section 2.06(b)
	accepted and agreed to by:
	 
	REDWOOD RESIDENTIAL ACQUISITION CORPORATION,
	as Seller
	 
	By: 	/s/ John Isbrandtsen	 
	 	Name: John Isbrandtsen	 
	 	Authorized Signatory	 
	 
	Solely for purposes of Section 2.07
	accepted and agreed to by:
	 
	SEQUOIA MORTGAGE FUNDING CORPORATION,
	as Controlling Holder
	 
	By: 	/s/ John Isbrandtsen	 
	 	Name: John Isbrandtsen	 
	 	Authorized Signatory	 

 

    	 

    	 

    

 

EXHIBIT A

 

FORMS OF CERTIFICATES

 

 

THIS CERTIFICATE IS A REMIC REGULAR INTEREST
CERTIFICATE. THIS CERTIFICATE DOES NOT EVIDENCE AN OBLIGATION OF, OR AN INTEREST IN, AND IS NOT GUARANTEED BY, THE DEPOSITOR, THE
TRUSTEE, THE SECURITIES ADMINISTRATOR, THE MASTER SERVICER OR ANY AFFILIATE OF ANY OF THEM AND IS NOT INSURED OR GUARANTEED BY
ANY GOVERNMENTAL AGENCY OR PRIVATE INSURER.

 

DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE
PRINCIPAL AMOUNT OF THIS CERTIFICATE MAY BE MADE IN INSTALLMENTS AS SET FORTH HEREIN. ACCORDINGLY, THE CERTIFICATE PRINCIPAL AMOUNT
OF THIS CERTIFICATE AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ON THE FACE HEREOF.

 

UNLESS THIS CERTIFICATE IS PRESENTED BY
AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION (“DTC”), TO THE ISSUER OR ITS
AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO.
OR IN SUCH OTHER NAME AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO SUCH
OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC, ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE
BY OR TO ANY PERSON IS WRONGFUL, INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.

 

THE HOLDER AND ANY TRANSFEREE OF THIS CERTIFICATE
WILL BE DEEMED TO HAVE REPRESENTED BY VIRTUE OF ITS PURCHASE OR HOLDING OF THIS CERTIFICATE (OR INTEREST THEREIN) THAT EITHER (A)
SUCH HOLDER OR TRANSFEREE IS NOT AN EMPLOYEE BENEFIT PLAN OR OTHER PLAN OR ARRANGEMENT SUBJECT TO THE PROHIBITED TRANSACTION PROVISIONS
OF THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED (“ERISA”), OR SECTION 4975 OF THE CODE OR A PERSON
(INCLUDING AN INSURANCE COMPANY INVESTING ITS GENERAL ACCOUNT, AN INVESTMENT MANAGER, A NAMED FIDUCIARY OR A TRUSTEE OF ANY SUCH
PLAN) WHO IS USING “PLAN ASSETS” OF ANY SUCH PLAN TO EFFECT SUCH ACQUISITION (EACH OF THE FOREGOING, A “PLAN
INVESTOR”), (B) IT HAS ACQUIRED AND IS HOLDING THIS CERTIFICATE IN RELIANCE ON U.S. DEPARTMENT OF LABOR PROHIBITED TRANSACTION
EXEMPTION (“PTE”) FAN 04-03E, AS AMENDED, (THE “UNDERWRITER EXEMPTION”), AND THAT IT UNDERSTANDS THAT THERE
ARE CERTAIN CONDITIONS TO THE AVAILABILITY OF THE UNDERWRITER EXEMPTION INCLUDING THAT THIS CERTIFICATE MUST BE RATED, AT THE TIME
OF PURCHASE, NOT LOWER THAN “BBB-” (OR ITS EQUIVALENT) BY STANDARD & POOR’S, FITCH, MOODY’S, DBRS LIMITED
OR DBRS, INC. OR (C) (I) THE TRANSFEREE IS AN INSURANCE COMPANY, (II) THE SOURCE OF FUNDS USED TO PURCHASE OR HOLD THIS CERTIFICATE
IS AN “INSURANCE COMPANY GENERAL ACCOUNT” (AS DEFINED IN U.S. DEPARTMENT OF LABOR PROHIBITED TRANSACTION CLASS EXEMPTION
(“PTCE”) 95-60), AND (III) THE CONDITIONS SET FORTH IN SECTIONS I AND III OF PTCE 95-60 HAVE BEEN SATISFIED (EACH ENTITY
THAT SATISFIES THIS CLAUSE (C), A “COMPLYING INSURANCE COMPANY”).

 

    	A-1

    	 

    

 

IF THIS CERTIFICATE (OR ANY INTEREST THEREIN)
IS ACQUIRED OR HELD BY ANY PERSON THAT DOES NOT SATISFY THE CONDITIONS DESCRIBED IN THE PRECEDING PARAGRAPH, THEN THE LAST PRECEDING
TRANSFEREE THAT EITHER (I) IS NOT A PLAN INVESTOR, (II) ACQUIRED SUCH CERTIFICATE IN COMPLIANCE WITH THE UNDERWRITER EXEMPTION,
OR (III) IS A COMPLYING INSURANCE COMPANY SHALL BE RESTORED, TO THE EXTENT PERMITTED BY LAW, TO ALL RIGHTS AND OBLIGATIONS AS CERTIFICATE
OWNER THEREOF RETROACTIVE TO THE DATE OF SUCH TRANSFER OF THIS CERTIFICATE. THE TRUSTEE SHALL BE UNDER NO LIABILITY TO ANY PERSON
FOR MAKING ANY PAYMENTS DUE ON THIS CERTIFICATE TO SUCH PRECEDING TRANSFEREE.

 

ANY PURPORTED CERTIFICATE OWNER WHOSE ACQUISITION
OR HOLDING OF THIS CERTIFICATE (OR INTEREST THEREIN) WAS EFFECTED IN VIOLATION OF THE RESTRICTIONS IN SECTION 3.03 OF THE AGREEMENT
SHALL INDEMNIFY AND HOLD HARMLESS THE CERTIFICATE REGISTRAR, THE DEPOSITOR, THE TRUSTEE AND THE TRUST FUND FROM AND AGAINST ANY
AND ALL LIABILITIES, CLAIMS, COSTS OR EXPENSES INCURRED BY SUCH PARTIES AS A RESULT OF SUCH ACQUISITION OR HOLDING.

 

SEQUOIA MORTGAGE TRUST 2013-1

MORTGAGE PASS-THROUGH CERTIFICATES, CLASS
1-A1

 

Evidencing a beneficial interest in a pool of residential
mortgage loans and any other assets established by

 

SEQUOIA RESIDENTIAL FUNDING, INC.

 

	Initial Class Principal	Initial Certificate
	Amount of the Class 1-A1	Principal Amount of this
	Certificates: $151,646,000	Certificates: $151,646,000
	 	 
	Certificate Interest Rate: Adjustable	Cut-off Date: January 1, 2013
	 	 
	Final Scheduled Distribution	 
	Date: February 2043	 
	 	 
	NUMBER 1	CUSIP: 81744W AA8

 

    	2

    	 

    

 

THIS CERTIFIES THAT
CEDE & CO. is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the initial
Certificate Principal Amount of this Certificate by the initial Class Principal Amount of all Class 1-A1 Certificates, both as
specified above) in a Trust Fund, the assets of which consist of the Mortgage Loans and all interest and principal received thereon
after the Cut-off Date (other than Scheduled Payments due on or prior to the Cut-off Date), the rights of the Seller and the Depositor
assigned to the Trustee under each Purchase Agreement, each Servicing Agreement, the Mortgage Loan Purchase and Sale Agreement,
the Insurance Policies relating to the Mortgage Loans, all cash, instruments or property held or required to be held in the Custodial
Accounts and the Distribution Account and property that secured a Mortgage Loan; and certain other assets, if any, as described
in the Pooling and Servicing Agreement (the foregoing assets hereinafter collectively referred to as the “Trust Fund”).

 

Distributions on this
Certificate will be made on the 25th day of each month or, if such day is not a Business Day, then on the succeeding Business Day,
commencing in February 2013 (each, a “Distribution Date”), to the Person in whose name this Certificate is registered
at the close of business on the last Business Day preceding such Distribution Date (the “Record Date”), in an amount
equal to the product of the Percentage Interest evidenced by this Certificate and the amount, if any, required to be distributed
to all Certificates of the Class represented by this Certificate. All sums distributable on this Certificate are payable in the
coin or currency of the United States of America which at the time of payment is legal tender for the payment of public and private
debts.

 

Reference is hereby
made to the further provisions of this Certificate set forth on the reverse hereof, which shall have the same effect as though
fully set forth on the face of this Certificate.

 

Unless the certificate
of authentication hereon has been executed by or on behalf of the Authenticating Agent, whose name appears below by manual signature,
this Certificate shall not be entitled to any benefit under the Pooling and Servicing Agreement or be valid for any purpose.

 

    	3

    	 

    

 

IN WITNESS WHEREOF,
Christiana Trust, a division of Wilmington Savings Fund Society, FSB, as Trustee, has caused this Certificate to be duly executed.

 

	 	CHRISTIANA TRUST, A DIVISION OF WILMINGTON SAVINGS FUND SOCIETY, FSB,
	 	 	as Trustee
	 	 	 
	 	By: 	 	 
	 	 	AUTHORIZED SIGNATORY
	 	 	 
	 	Dated:	 	 

 

CERTIFICATE AUTHENTICATION

 

This is one of the
Certificates referred to in the within-mentioned Pooling and Servicing Agreement.

 

	 	WELLS FARGO BANK, N.A.,
	 	 	as Authenticating Agent
	 	 	 
	 	By: 	 	 
	 	 	AUTHORIZED SIGNATORY
	 	 	 
	 	Dated:	 	 

  

    	4

    	 

    

 

SEQUOIA MORTGAGE TRUST 2013-1

MORTGAGE PASS-THROUGH CERTIFICATE

 

This Certificate is
one of a duly authorized issue of certificates designated as Sequoia Mortgage Trust 2013-1 Mortgage Pass-Through Certificates (the
“Certificates”), representing all or part of a beneficial ownership interest in a Trust Fund established pursuant to
a Pooling and Servicing Agreement, dated as of January 1, 2013 (the “Pooling and Servicing Agreement”), among Sequoia
Residential Funding, Inc., as depositor (the “Depositor”), Wells Fargo Bank, N.A., as master servicer (in such capacity,
the “Master Servicer”) and as securities administrator (in such capacity, the “Securities Administrator”)
and Christiana Trust, a division of Wilmington Savings Fund Society, FSB, as trustee (the “Trustee”), to which terms,
provisions and conditions thereof the Holder of this Certificate by virtue of the acceptance hereof assents, and by which such
Holder is bound. Except as otherwise defined herein, all capitalized terms used herein shall have the meanings ascribed to them
in the Pooling and Servicing Agreement. The Certificates consist of the following Classes: Class 1-A1, Class 1-AX, Class 2-A1,
Class 2-AX, Class R, Class LT-R, Class B-1, Class B-2, Class B-3, Class B-4, and Class B-5.

 

On each Distribution
Date, the Paying Agent, on behalf of the Trustee, will make distributions from the Distribution Account to the Holders of Certificates
according to the terms of the Pooling and Servicing Agreement. All distributions or allocations made with respect to each Class
of Certificates on each Distribution Date shall be allocated among the outstanding Certificates of such Class based on the Certificate
Principal Amount (or Certificate Notional Amount) of each such Certificate.

 

Distributions on this
Certificate will be made by check mailed to the Holder of record of this Certificate on the immediately preceding Record Date at
the address of such Holder as it appears on the Certificate Register or, upon written request made to the Securities Administrator
at least five Business Days prior to the related Record Date, by any Certificateholder owning an aggregate initial Certificate
Principal Amount (or Certificate Notional Amount) of at least $1,000,000 or, in the case of any Residual Certificate, a Percentage
Interest of 100%, by wire transfer in immediately available funds to an account specified in such request and at the expense of
such Certificateholder requesting such wire transfer by deducting a wire transfer fee from the related distribution; provided,
however, that the final distribution in respect of any Certificate shall be made only upon presentation and surrender of such Certificate
at the Corporate Trust Office (as defined below); provided, further, that the foregoing provisions shall not apply to any Certificate
as long as such Certificate remains a Book-Entry Certificate, in which case all payments made shall be made through the Clearing
Agency and its Clearing Agency Participants. Notwithstanding such final payment of principal of any of the Certificates, each Residual
Certificate will remain outstanding until the termination of the related REMIC or REMICs and the payment in full of all other amounts
due with respect to the Residual Certificates and at such time such final payment in retirement of any Residual Certificate will
be made only upon presentation and surrender of such Certificate at the Corporate Trust Office.

 

The Corporate Trust
Office with respect to the presentment and surrender of Certificates for the final distribution thereon is the corporate trust
office of the Certificate Registrar at Sixth Street and Marquette Avenue, Minneapolis, Minnesota 55479, Attention: Corporate Trust
Services — Sequoia Mortgage Trust 2013-1 or at such other address as the Securities Administrator may designate from time
to time.

 

    	5

    	 

    

 

The Pooling and Servicing
Agreement may be amended by the Trustee, the Master Servicer, the Securities Administrator, and the Depositor with the consent
of the Holders of not less than 66-2/3% of the Class Principal Amount or Class Notional Amount (or Percentage Interest) 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 the Pooling and Servicing Agreement or of modifying in any manner the rights of the Holders; provided, however,
that no such amendment shall be made unless the Trustee and the Securities Administrator receive an Opinion of Counsel, at the
expense of the party requesting the change, that such change will not cause an Adverse REMIC Event; and provided further, that
no such amendment may (i) reduce in any manner the amount of, or delay the timing of, payments received on Mortgage Loans which
are required to be distributed on any Certificate, without the consent of the Holder of such Certificate or (ii) reduce the aforesaid
percentages of Class Principal Amount or Class Notional Amount (or Percentage Interest) of Certificates of each Class, the Holders
of which are required to consent to any such amendment without the consent of the Holders of 100% of the Class Principal Amount
or Class Notional Amount (or Percentage Interest) of each Class of Certificates affected thereby.  For purposes of this
paragraph, references to “Holder” or “Holders” shall be deemed to include, in the case of any Class of
Book-Entry Certificates, the related Certificate Owners. Any consent by the Holder of this Certificate
will be conclusive and binding upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof
or in exchange herefor or in lieu hereof whether or not consent is made with respect to such Certificate. The Pooling and Servicing
Agreement also permits the amendment thereof in certain limited circumstances without the consent of the Holders.

 

As provided in the
Pooling and Servicing Agreement and subject to certain limitations therein set forth, the transfer of this Certificate is registerable
in the Certificate Register upon surrender of this Certificate for registration of transfer at the Corporate Trust Office, duly
endorsed by, or accompanied by a written instrument of transfer in form satisfactory to, the Certificate Registrar duly executed
by the Holder thereof or such Holder’s attorney duly authorized in writing, and thereupon one or more new Certificates of
the same Class of authorized denominations evidencing the same initial Certificate Principal Amount (or Notional Amount) will be
issued to the designated transferee or transferees. As provided in the Pooling and Servicing Agreement and subject to certain limitations
therein set forth, this Certificate is exchangeable for new Certificates of the same Class evidencing the same aggregate initial
Certificate Principal Amount (or Notional Amount) as requested by the Holder surrendering the same. No service charge will be made
for any such registration of transfer or exchange, but 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 exchange of Certificates.

 

The Class 1-A1, Class
2-A1, Class B-1, Class B-2, Class B-3, Class B-4, and Class B-5 Certificates are issuable only in registered
form in minimum denominations of $100,000 in initial Certificate Principal Amount and the Class 1-AX and Class 2-AX Certificates
are issuable only in registered form in minimum denominations of $1,000,000 in initial Certificate Notional Amount, in each case,
in integral multiples of $1 in excess thereof and, in the case of the Class 1-A1, Class 1-AX, Class 2-A1, Class 2-AX, Class B-1,
Class B-2 and Class B-3 Certificates, will be registered in the name of the nominee of the Clearing Agency, which shall maintain
such Certificates through its book-entry facilities and, in the case of the Class B-4 and Class B-5 Certificates, will be maintained
in physical form. The Class R and Class LT-R Certificates will each be issued as a single Certificate representing the entire Percentage
Interest in that Class and will be maintained in physical form. The Certificates shall remain outstanding until the final Distribution
Date for the Certificates.

 

    	6

    	 

    

 

On any date on which
the Aggregate Stated Principal Balance of the Mortgage Loans has declined to less than 10% of the initial Aggregate Stated Principal
Balance of the Mortgage Loans as of the Cut-off Date, subject to satisfaction of the conditions described in the Pooling and Servicing
Agreement, the Master Servicer may purchase all of the Mortgage Loans from the Trust Fund, thereby causing an early retirement
of the Certificates.

 

In no event will the
trust created by the Pooling and Servicing Agreement continue beyond the expiration of 21 years from the death of the last survivor
of the descendants living at the date of the Pooling and Servicing Agreement of a certain person named in the Pooling and Servicing
Agreement.

 

The Depositor, the
Trustee, the Securities Administrator, the Master Servicer, the Certificate Registrar and any agent of any of them may treat the
Person in whose name this Certificate is registered as the owner hereof for all purposes, and none of the Depositor, the Trustee,
the Securities Administrator, the Master Servicer, the Certificate Registrar or any such agent shall be affected by any notice
to the contrary.

 

As provided in the
Pooling and Servicing Agreement, this Certificate and the Pooling and Servicing Agreement shall be construed in accordance with
and governed by the laws of the State of New York without regard to the conflict of laws principles applied in the State of New
York. In the event of any conflict between the provisions of this Certificate and the Pooling and Servicing Agreement, the Pooling
and Servicing Agreement shall be controlling.

 

    	7

    	 

    

 

ASSIGNMENT

 

FOR VALUE RECEIVED, the undersigned hereby sell(s) and assign(s)
and transfer(s) unto

	 
	 
	 

(Please print or type name and address, including postal zip
code, of assignee and social security number or employer identification number)

	 

the within Certificate stating in the names of the undersigned
in the Certificate Register and does hereby irrevocably constitute and appoint

	 

to transfer such Certificate in such Certificate Register.

 

I [we] further direct the Certificate Registrar to issue
a new Certificate of the same Class of like principal to the above-named assignee and deliver such Certificate to the following
address:

 

 

 

 

 

 

	Dated: __________________________________________	 	 
	 	 	Signature by or on behalf of Assignor
	 	 	 
	Authorized Officer	 	Signature Guaranteed
	 	 	 
	 	 	 
	Name of Institution	 	NOTICE: The signature(s) of this assignment must correspond with the name(s) on the face of this Certificate without alteration or any change whatsoever.  The signature must be guaranteed by a participant in the Securities Transfer Agents Medallion Program, the New York Stock Exchange Medallion Signature Program or the Stock Exchanges Medallion Program.  Notarized or witnessed signatures are not acceptable as guaranteed signatures.

  

    	 

    	 

    

 

DISTRIBUTION
INSTRUCTIONS

 

The assignee should
include the following for the information of the Certificate Registrar. Distributions shall be made by wire transfer in immediately
available funds to

 

	 

 

for the account of _____________________________________________________________________________________

 

account number _______________________
or, if mailed by check, to ___________________________________________

 

	 

 

Applicable reports and statements should
be mailed to _______________________________________________________

 

	 

 

This information is
provided by _________________________________________________________________

 

the assignee named above, or ______________________________________
as its agent.

 

    	 

    	 

    

 

THIS CERTIFICATE IS A REMIC REGULAR INTEREST
CERTIFICATE. THIS CERTIFICATE DOES NOT EVIDENCE AN OBLIGATION OF, OR AN INTEREST IN, AND IS NOT GUARANTEED BY, THE DEPOSITOR, THE
TRUSTEE, THE SECURITIES ADMINISTRATOR, THE MASTER SERVICER OR ANY AFFILIATE OF ANY OF THEM AND IS NOT INSURED OR GUARANTEED BY
ANY GOVERNMENTAL AGENCY OR PRIVATE INSURER.

 

DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE
PRINCIPAL AMOUNT OF THIS CERTIFICATE MAY BE MADE IN INSTALLMENTS AS SET FORTH HEREIN. ACCORDINGLY, THE CERTIFICATE PRINCIPAL AMOUNT
OF THIS CERTIFICATE AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ON THE FACE HEREOF.

 

UNLESS THIS CERTIFICATE IS PRESENTED BY
AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION (“DTC”), TO THE ISSUER OR ITS
AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO.
OR IN SUCH OTHER NAME AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO SUCH
OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC, ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE
BY OR TO ANY PERSON IS WRONGFUL, INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.

 

THE HOLDER AND ANY TRANSFEREE OF THIS CERTIFICATE
WILL BE DEEMED TO HAVE REPRESENTED BY VIRTUE OF ITS PURCHASE OR HOLDING OF THIS CERTIFICATE (OR INTEREST THEREIN) THAT EITHER (A)
SUCH HOLDER OR TRANSFEREE IS NOT AN EMPLOYEE BENEFIT PLAN OR OTHER PLAN OR ARRANGEMENT SUBJECT TO THE PROHIBITED TRANSACTION PROVISIONS
OF THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED (“ERISA”), OR SECTION 4975 OF THE CODE OR A PERSON
(INCLUDING AN INSURANCE COMPANY INVESTING ITS GENERAL ACCOUNT, AN INVESTMENT MANAGER, A NAMED FIDUCIARY OR A TRUSTEE OF ANY SUCH
PLAN) WHO IS USING “PLAN ASSETS” OF ANY SUCH PLAN TO EFFECT SUCH ACQUISITION (EACH OF THE FOREGOING, A “PLAN
INVESTOR”), (B) IT HAS ACQUIRED AND IS HOLDING THIS CERTIFICATE IN RELIANCE ON U.S. DEPARTMENT OF LABOR PROHIBITED TRANSACTION
EXEMPTION (“PTE”) FAN 04-03E, AS AMENDED, (THE “UNDERWRITER EXEMPTION”), AND THAT IT UNDERSTANDS THAT THERE
ARE CERTAIN CONDITIONS TO THE AVAILABILITY OF THE UNDERWRITER EXEMPTION INCLUDING THAT THIS CERTIFICATE MUST BE RATED, AT THE TIME
OF PURCHASE, NOT LOWER THAN “BBB-” (OR ITS EQUIVALENT) BY STANDARD & POOR’S, FITCH, MOODY’S, DBRS LIMITED
OR DBRS, INC. OR (C) (I) THE TRANSFEREE IS AN INSURANCE COMPANY, (II) THE SOURCE OF FUNDS USED TO PURCHASE OR HOLD THIS CERTIFICATE
IS AN “INSURANCE COMPANY GENERAL ACCOUNT” (AS DEFINED IN U.S. DEPARTMENT OF LABOR PROHIBITED TRANSACTION CLASS EXEMPTION
(“PTCE”) 95-60), AND (III) THE CONDITIONS SET FORTH IN SECTIONS I AND III OF PTCE 95-60 HAVE BEEN SATISFIED (EACH ENTITY
THAT SATISFIES THIS CLAUSE (C), A “COMPLYING INSURANCE COMPANY”).

 

    	 

    	 

    
 

IF THIS CERTIFICATE (OR ANY INTEREST THEREIN)
IS ACQUIRED OR HELD BY ANY PERSON THAT DOES NOT SATISFY THE CONDITIONS DESCRIBED IN THE PRECEDING PARAGRAPH, THEN THE LAST PRECEDING
TRANSFEREE THAT EITHER (I) IS NOT A PLAN INVESTOR, (II) ACQUIRED SUCH CERTIFICATE IN COMPLIANCE WITH THE UNDERWRITER EXEMPTION,
OR (III) IS A COMPLYING INSURANCE COMPANY SHALL BE RESTORED, TO THE EXTENT PERMITTED BY LAW, TO ALL RIGHTS AND OBLIGATIONS AS CERTIFICATE
OWNER THEREOF RETROACTIVE TO THE DATE OF SUCH TRANSFER OF THIS CERTIFICATE. THE TRUSTEE SHALL BE UNDER NO LIABILITY TO ANY PERSON
FOR MAKING ANY PAYMENTS DUE ON THIS CERTIFICATE TO SUCH PRECEDING TRANSFEREE.

 

ANY PURPORTED CERTIFICATE OWNER WHOSE ACQUISITION
OR HOLDING OF THIS CERTIFICATE (OR INTEREST THEREIN) WAS EFFECTED IN VIOLATION OF THE RESTRICTIONS IN SECTION 3.03 OF THE AGREEMENT
SHALL INDEMNIFY AND HOLD HARMLESS THE CERTIFICATE REGISTRAR, THE DEPOSITOR, THE TRUSTEE AND THE TRUST FUND FROM AND AGAINST ANY
AND ALL LIABILITIES, CLAIMS, COSTS OR EXPENSES INCURRED BY SUCH PARTIES AS A RESULT OF SUCH ACQUISITION OR HOLDING.

 

SEQUOIA MORTGAGE TRUST 2013-1

MORTGAGE PASS-THROUGH CERTIFICATES, CLASS
2-A1

 

Evidencing a beneficial interest in a pool of residential
mortgage loans and any other assets established by

 

SEQUOIA RESIDENTIAL FUNDING, INC.

 

	Initial Class Principal	Initial Certificate
	Amount of the Class 2-A1	Principal Amount of this
	Certificates: $217,189,000	Certificates: $217,189,000
	 	 
	Certificate Interest Rate: Adjustable	Cut-off Date: January 1, 2013
	 	 
	Final Scheduled Distribution	
	Date: February 2043	 
	 	 
	NUMBER 1	CUSIP: 81744W AC4

 

    	2

    	 

    

 

THIS CERTIFIES THAT
CEDE & CO. is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the initial
Certificate Principal Amount of this Certificate by the initial Class Principal Amount of all Class 2-A1 Certificates, both as
specified above) in a Trust Fund, the assets of which consist of the Mortgage Loans and all interest and principal received thereon
after the Cut-off Date (other than Scheduled Payments due on or prior to the Cut-off Date), the rights of the Seller and the Depositor
assigned to the Trustee under each Purchase Agreement, each Servicing Agreement, the Mortgage Loan Purchase and Sale Agreement,
the Insurance Policies relating to the Mortgage Loans, all cash, instruments or property held or required to be held in the Custodial
Accounts and the Distribution Account and property that secured a Mortgage Loan; and certain other assets, if any, as described
in the Pooling and Servicing Agreement (the foregoing assets hereinafter collectively referred to as the “Trust Fund”).

 

Distributions on this
Certificate will be made on the 25th day of each month or, if such day is not a Business Day, then on the succeeding Business Day,
commencing in February 2013 (each, a “Distribution Date”), to the Person in whose name this Certificate is registered
at the close of business on the last Business Day preceding such Distribution Date (the “Record Date”), in an amount
equal to the product of the Percentage Interest evidenced by this Certificate and the amount, if any, required to be distributed
to all Certificates of the Class represented by this Certificate. All sums distributable on this Certificate are payable in the
coin or currency of the United States of America which at the time of payment is legal tender for the payment of public and private
debts.

 

Reference is hereby
made to the further provisions of this Certificate set forth on the reverse hereof, which shall have the same effect as though
fully set forth on the face of this Certificate.

 

Unless the certificate
of authentication hereon has been executed by or on behalf of the Authenticating Agent, whose name appears below by manual signature,
this Certificate shall not be entitled to any benefit under the Pooling and Servicing Agreement or be valid for any purpose.

 

    	3

    	 

    

 

IN WITNESS WHEREOF,
Christiana Trust, a division of Wilmington Savings Fund Society, FSB, as Trustee, has caused this Certificate to be duly executed.

 

	 	CHRISTIANA TRUST, A DIVISION OF WILMINGTON SAVINGS FUND SOCIETY, FSB,
	 	 	as Trustee
	 	 	 
	 	By: 	 	 
	 	 	AUTHORIZED SIGNATORY
	 	 	 
	 	Dated:	 	 

 

CERTIFICATE AUTHENTICATION

 

This is one of the
Certificates referred to in the within-mentioned Pooling and Servicing Agreement.

 

	 	WELLS FARGO BANK, N.A.,
	 	 	as Authenticating Agent
	 	 	 
	 	By: 	 	 
	 	 	AUTHORIZED SIGNATORY
	 	 	 
	 	Dated:	 	 

 

    	4

    	 

    

 

SEQUOIA MORTGAGE TRUST 2013-1

MORTGAGE PASS-THROUGH CERTIFICATE

 

This Certificate is
one of a duly authorized issue of certificates designated as Sequoia Mortgage Trust 2013-1 Mortgage Pass-Through Certificates (the
“Certificates”), representing all or part of a beneficial ownership interest in a Trust Fund established pursuant to
a Pooling and Servicing Agreement, dated as of January 1, 2013 (the “Pooling and Servicing Agreement”), among Sequoia
Residential Funding, Inc., as depositor (the “Depositor”), Wells Fargo Bank, N.A., as master servicer (in such capacity,
the “Master Servicer”) and as securities administrator (in such capacity, the “Securities Administrator”)
and Christiana Trust, a division of Wilmington Savings Fund Society, FSB, as trustee (the “Trustee”), to which terms,
provisions and conditions thereof the Holder of this Certificate by virtue of the acceptance hereof assents, and by which such
Holder is bound. Except as otherwise defined herein, all capitalized terms used herein shall have the meanings ascribed to them
in the Pooling and Servicing Agreement. The Certificates consist of the following Classes: Class 1-A1, Class 1-AX, Class 2-A1,
Class 2-AX, Class R, Class LT-R, Class B-1, Class B-2, Class B-3, Class B-4, and Class B-5.

 

On each Distribution
Date, the Paying Agent, on behalf of the Trustee, will make distributions from the Distribution Account to the Holders of Certificates
according to the terms of the Pooling and Servicing Agreement. All distributions or allocations made with respect to each Class
of Certificates on each Distribution Date shall be allocated among the outstanding Certificates of such Class based on the Certificate
Principal Amount (or Certificate Notional Amount) of each such Certificate.

 

Distributions on this
Certificate will be made by check mailed to the Holder of record of this Certificate on the immediately preceding Record Date at
the address of such Holder as it appears on the Certificate Register or, upon written request made to the Securities Administrator
at least five Business Days prior to the related Record Date, by any Certificateholder owning an aggregate initial Certificate
Principal Amount (or Certificate Notional Amount) of at least $1,000,000 or, in the case of any Residual Certificate, a Percentage
Interest of 100%, by wire transfer in immediately available funds to an account specified in such request and at the expense of
such Certificateholder requesting such wire transfer by deducting a wire transfer fee from the related distribution; provided,
however, that the final distribution in respect of any Certificate shall be made only upon presentation and surrender of such Certificate
at the Corporate Trust Office (as defined below); provided, further, that the foregoing provisions shall not apply to any Certificate
as long as such Certificate remains a Book-Entry Certificate, in which case all payments made shall be made through the Clearing
Agency and its Clearing Agency Participants. Notwithstanding such final payment of principal of any of the Certificates, each Residual
Certificate will remain outstanding until the termination of the related REMIC or REMICs and the payment in full of all other amounts
due with respect to the Residual Certificates and at such time such final payment in retirement of any Residual Certificate will
be made only upon presentation and surrender of such Certificate at the Corporate Trust Office.

 

The Corporate Trust
Office with respect to the presentment and surrender of Certificates for the final distribution thereon is the corporate trust
office of the Certificate Registrar at Sixth Street and Marquette Avenue, Minneapolis, Minnesota 55479, Attention: Corporate Trust
Services — Sequoia Mortgage Trust 2013-1 or at such other address as the Securities Administrator may designate from time
to time.

 

    	5

    	 

    

 

The Pooling and Servicing
Agreement may be amended by the Trustee, the Master Servicer, the Securities Administrator, and the Depositor with the consent
of the Holders of not less than 66-2/3% of the Class Principal Amount or Class Notional Amount (or Percentage Interest) 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 the Pooling and Servicing Agreement or of modifying in any manner the rights of the Holders; provided, however,
that no such amendment shall be made unless the Trustee and the Securities Administrator receive an Opinion of Counsel, at the
expense of the party requesting the change, that such change will not cause an Adverse REMIC Event; and provided further, that
no such amendment may (i) reduce in any manner the amount of, or delay the timing of, payments received on Mortgage Loans which
are required to be distributed on any Certificate, without the consent of the Holder of such Certificate or (ii) reduce the aforesaid
percentages of Class Principal Amount or Class Notional Amount (or Percentage Interest) of Certificates of each Class, the Holders
of which are required to consent to any such amendment without the consent of the Holders of 100% of the Class Principal Amount
or Class Notional Amount (or Percentage Interest) of each Class of Certificates affected thereby.  For purposes of this
paragraph, references to “Holder” or “Holders” shall be deemed to include, in the case of any Class of
Book-Entry Certificates, the related Certificate Owners. Any consent by the Holder of this Certificate
will be conclusive and binding upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof
or in exchange herefor or in lieu hereof whether or not consent is made with respect to such Certificate. The Pooling and Servicing
Agreement also permits the amendment thereof in certain limited circumstances without the consent of the Holders.

 

As provided in the
Pooling and Servicing Agreement and subject to certain limitations therein set forth, the transfer of this Certificate is registerable
in the Certificate Register upon surrender of this Certificate for registration of transfer at the Corporate Trust Office, duly
endorsed by, or accompanied by a written instrument of transfer in form satisfactory to, the Certificate Registrar duly executed
by the Holder thereof or such Holder’s attorney duly authorized in writing, and thereupon one or more new Certificates of
the same Class of authorized denominations evidencing the same initial Certificate Principal Amount (or Notional Amount) will be
issued to the designated transferee or transferees. As provided in the Pooling and Servicing Agreement and subject to certain limitations
therein set forth, this Certificate is exchangeable for new Certificates of the same Class evidencing the same aggregate initial
Certificate Principal Amount (or Notional Amount) as requested by the Holder surrendering the same. No service charge will be made
for any such registration of transfer or exchange, but 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 exchange of Certificates.

 

The Class 1-A1, Class
2-A1, Class B-1, Class B-2, Class B-3, Class B-4, and Class B-5 Certificates are issuable only in registered
form in minimum denominations of $100,000 in initial Certificate Principal Amount and the Class 1-AX and Class 2-AX Certificates
are issuable only in registered form in minimum denominations of $1,000,000 in initial Certificate Notional Amount, in each case,
in integral multiples of $1 in excess thereof and, in the case of the Class 1-A1, Class 1-AX, Class 2-A1, Class 2-AX, Class B-1,
Class B-2 and Class B-3 Certificates, will be registered in the name of the nominee of the Clearing Agency, which shall maintain
such Certificates through its book-entry facilities and, in the case of the Class B-4 and Class B-5 Certificates, will be maintained
in physical form. The Class R and Class LT-R Certificates will each be issued as a single Certificate representing the entire Percentage
Interest in that Class and will be maintained in physical form. The Certificates shall remain outstanding until the final Distribution
Date for the Certificates.

 

    	6

    	 

    

 

On any date on which
the Aggregate Stated Principal Balance of the Mortgage Loans has declined to less than 10% of the initial Aggregate Stated Principal
Balance of the Mortgage Loans as of the Cut-off Date, subject to satisfaction of the conditions described in the Pooling and Servicing
Agreement, the Master Servicer may purchase all of the Mortgage Loans from the Trust Fund, thereby causing an early retirement
of the Certificates.

 

In no event will the
trust created by the Pooling and Servicing Agreement continue beyond the expiration of 21 years from the death of the last survivor
of the descendants living at the date of the Pooling and Servicing Agreement of a certain person named in the Pooling and Servicing
Agreement.

 

The Depositor, the
Trustee, the Securities Administrator, the Master Servicer, the Certificate Registrar and any agent of any of them may treat the
Person in whose name this Certificate is registered as the owner hereof for all purposes, and none of the Depositor, the Trustee,
the Securities Administrator, the Master Servicer, the Certificate Registrar or any such agent shall be affected by any notice
to the contrary.

 

As provided in the
Pooling and Servicing Agreement, this Certificate and the Pooling and Servicing Agreement shall be construed in accordance with
and governed by the laws of the State of New York without regard to the conflict of laws principles applied in the State of New
York. In the event of any conflict between the provisions of this Certificate and the Pooling and Servicing Agreement, the Pooling
and Servicing Agreement shall be controlling.

 

    	7

    	 

    

 

ASSIGNMENT

 

FOR VALUE RECEIVED, the undersigned hereby sell(s) and assign(s)
and transfer(s) unto

	 
	 
	 

(Please print or type name and address, including postal zip
code, of assignee and social security number or employer identification number)

	 

the within Certificate stating in the names of the undersigned
in the Certificate Register and does hereby irrevocably constitute and appoint

	 

to transfer such Certificate in such Certificate Register.

 

I [we] further direct the Certificate Registrar to issue
a new Certificate of the same Class of like principal to the above-named assignee and deliver such Certificate to the following
address:

 

 

 

 

 

 

 

	Dated: __________________________________________	 	 
	 	 	Signature by or on behalf of Assignor
	 	 	 
	Authorized Officer	 	Signature Guaranteed
	 	 	 
	 	 	 
	Name of Institution	 	NOTICE: The signature(s) of this assignment must correspond with the name(s) on the face of this Certificate without alteration or any change whatsoever.  The signature must be guaranteed by a participant in the Securities Transfer Agents Medallion Program, the New York Stock Exchange Medallion Signature Program or the Stock Exchanges Medallion Program.  Notarized or witnessed signatures are not acceptable as guaranteed signatures.

  

    	 

    	 

    

 

DISTRIBUTION
INSTRUCTIONS

 

The assignee should
include the following for the information of the Certificate Registrar. Distributions shall be made by wire transfer in immediately
available funds to

 

	 

 

for the account of _____________________________________________________________________________________

 

account number _______________________
or, if mailed by check, to ___________________________________________

 

	 

 

Applicable reports and statements should
be mailed to _______________________________________________________

 

	 

 

This information is
provided by _________________________________________________________________

 

the assignee named above, or ______________________________________
as its agent.

 

    	 

    	 

    

 

THIS CERTIFICATE IS A REMIC REGULAR INTEREST
CERTIFICATE. THIS CERTIFICATE DOES NOT EVIDENCE AN OBLIGATION OF, OR AN INTEREST IN, AND IS NOT GUARANTEED BY, THE DEPOSITOR, THE
TRUSTEE, THE SECURITIES ADMINISTRATOR, THE MASTER SERVICER OR ANY AFFILIATE OF ANY OF THEM AND IS NOT INSURED OR GUARANTEED BY
ANY GOVERNMENTAL AGENCY OR PRIVATE INSURER.

 

THIS IS AN INTEREST-ONLY CERTIFICATE THAT
IS NOT ENTITLED TO ANY DISTRIBUTIONS WITH RESPECT TO PRINCIPAL. THE CERTIFICATE NOTIONAL AMOUNT OF THIS CERTIFICATE WILL BE REDUCED
AS SET FORTH HEREIN. ACCORDINGLY, THE CERTIFICATE NOTIONAL AMOUNT OF THIS CERTIFICATE AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN
ON THE FACE HEREOF.

 

UNLESS THIS CERTIFICATE IS PRESENTED BY
AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION (“DTC”), TO THE ISSUER OR ITS
AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO.
OR IN SUCH OTHER NAME AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO SUCH
OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC, ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE
BY OR TO ANY PERSON IS WRONGFUL, INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.

 

THE HOLDER AND ANY TRANSFEREE OF THIS CERTIFICATE
WILL BE DEEMED TO HAVE REPRESENTED BY VIRTUE OF ITS PURCHASE OR HOLDING OF THIS CERTIFICATE (OR INTEREST THEREIN) THAT EITHER (A)
SUCH HOLDER OR TRANSFEREE IS NOT AN EMPLOYEE BENEFIT PLAN OR OTHER PLAN OR ARRANGEMENT SUBJECT TO THE PROHIBITED TRANSACTION PROVISIONS
OF THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED (“ERISA”), OR SECTION 4975 OF THE CODE OR A PERSON
(INCLUDING AN INSURANCE COMPANY INVESTING ITS GENERAL ACCOUNT, AN INVESTMENT MANAGER, A NAMED FIDUCIARY OR A TRUSTEE OF ANY SUCH
PLAN) WHO IS USING “PLAN ASSETS” OF ANY SUCH PLAN TO EFFECT SUCH ACQUISITION (EACH OF THE FOREGOING, A “PLAN
INVESTOR”), (B) IT HAS ACQUIRED AND IS HOLDING THIS CERTIFICATE IN RELIANCE ON U.S. DEPARTMENT OF LABOR PROHIBITED TRANSACTION
EXEMPTION (“PTE”) FAN 04-03E, AS AMENDED, (THE “UNDERWRITER EXEMPTION”), AND THAT IT UNDERSTANDS THAT THERE
ARE CERTAIN CONDITIONS TO THE AVAILABILITY OF THE UNDERWRITER EXEMPTION INCLUDING THAT THIS CERTIFICATE MUST BE RATED, AT THE TIME
OF PURCHASE, NOT LOWER THAN “BBB-” (OR ITS EQUIVALENT) BY STANDARD & POOR’S, FITCH, MOODY’S, DBRS LIMITED
OR DBRS, INC. OR (C) (I) THE TRANSFEREE IS AN INSURANCE COMPANY, (II) THE SOURCE OF FUNDS USED TO PURCHASE OR HOLD THIS CERTIFICATE
IS AN “INSURANCE COMPANY GENERAL ACCOUNT” (AS DEFINED IN U.S. DEPARTMENT OF LABOR PROHIBITED TRANSACTION CLASS EXEMPTION
(“PTCE”) 95-60), AND (III) THE CONDITIONS SET FORTH IN SECTIONS I AND III OF PTCE 95-60 HAVE BEEN SATISFIED (EACH ENTITY
THAT SATISFIES THIS CLAUSE (C), A “COMPLYING INSURANCE COMPANY”).

 

    	 

    	 

    
 

IF THIS CERTIFICATE (OR ANY INTEREST THEREIN)
IS ACQUIRED OR HELD BY ANY PERSON THAT DOES NOT SATISFY THE CONDITIONS DESCRIBED IN THE PRECEDING PARAGRAPH, THEN THE LAST PRECEDING
TRANSFEREE THAT EITHER (I) IS NOT A PLAN INVESTOR, (II) ACQUIRED SUCH CERTIFICATE IN COMPLIANCE WITH THE UNDERWRITER EXEMPTION,
OR (III) IS A COMPLYING INSURANCE COMPANY SHALL BE RESTORED, TO THE EXTENT PERMITTED BY LAW, TO ALL RIGHTS AND OBLIGATIONS AS CERTIFICATE
OWNER THEREOF RETROACTIVE TO THE DATE OF SUCH TRANSFER OF THIS CERTIFICATE. THE TRUSTEE SHALL BE UNDER NO LIABILITY TO ANY PERSON
FOR MAKING ANY PAYMENTS DUE ON THIS CERTIFICATE TO SUCH PRECEDING TRANSFEREE.

 

ANY PURPORTED CERTIFICATE OWNER WHOSE ACQUISITION
OR HOLDING OF THIS CERTIFICATE (OR INTEREST THEREIN) WAS EFFECTED IN VIOLATION OF THE RESTRICTIONS IN SECTION 3.03 OF THE AGREEMENT
SHALL INDEMNIFY AND HOLD HARMLESS THE CERTIFICATE REGISTRAR, THE DEPOSITOR, THE TRUSTEE AND THE TRUST FUND FROM AND AGAINST ANY
AND ALL LIABILITIES, CLAIMS, COSTS OR EXPENSES INCURRED BY SUCH PARTIES AS A RESULT OF SUCH ACQUISITION OR HOLDING.

 

SEQUOIA MORTGAGE TRUST 2013-1

MORTGAGE PASS-THROUGH CERTIFICATES, CLASS
1-AX

 

Evidencing a beneficial interest in a pool of residential
mortgage loans and any other assets established by

 

SEQUOIA RESIDENTIAL FUNDING, INC.

 

	Initial Class Notional	Initial Certificate
	Amount of the Class 1-AX	Notional Amount of this
	Certificates: $151,646,000	Certificates: $151,646,000
	 	 
	Certificate Interest Rate:  Adjustable	Cut-off Date: January 1, 2013
	 	 
	Final Scheduled Distribution	
	Date: February 2043	 
	 	 
	NUMBER 1	CUSIP: 81744W AB6

 

    	2

    	 

    

 

THIS CERTIFIES THAT
CEDE & CO. is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the initial
Certificate Notional Amount of this Certificate by the initial Class Notional Amount of all Class 1-AX Certificates, both as specified
above) in a Trust Fund, the assets of which consist of the Mortgage Loans and all interest and principal received thereon after
the Cut-off Date (other than Scheduled Payments due on or prior to the Cut-off Date), the rights of the Seller and the Depositor
assigned to the Trustee under each Purchase Agreement, each Servicing Agreement, the Mortgage Loan Purchase and Sale Agreement,
the Insurance Policies relating to the Mortgage Loans, all cash, instruments or property held or required to be held in the Custodial
Accounts and the Distribution Account and property that secured a Mortgage Loan; and certain other assets, if any, as described
in the Pooling and Servicing Agreement (the foregoing assets hereinafter collectively referred to as the “Trust Fund”).

 

Distributions on this
Certificate will be made on the 25th day of each month or, if such day is not a Business Day, then on the succeeding Business Day,
commencing in February 2013 (each, a “Distribution Date”), to the Person in whose name this Certificate is registered
at the close of business on the last Business Day preceding such Distribution Date (the “Record Date”), in an amount
equal to the product of the Percentage Interest evidenced by this Certificate and the amount, if any, required to be distributed
to all Certificates of the Class represented by this Certificate. All sums distributable on this Certificate are payable in the
coin or currency of the United States of America which at the time of payment is legal tender for the payment of public and private
debts.

 

Reference is hereby
made to the further provisions of this Certificate set forth on the reverse hereof, which shall have the same effect as though
fully set forth on the face of this Certificate.

 

Unless the certificate
of authentication hereon has been executed by or on behalf of the Authenticating Agent, whose name appears below by manual signature,
this Certificate shall not be entitled to any benefit under the Pooling and Servicing Agreement or be valid for any purpose.

 

    	3

    	 

    

 

IN WITNESS WHEREOF,
Christiana Trust, a division of Wilmington Savings Fund Society, FSB, as Trustee, has caused this Certificate to be duly executed.

 

	 	CHRISTIANA TRUST, A DIVISION OF WILMINGTON SAVINGS FUND SOCIETY, FSB,
	 	 	as Trustee
	 	 	 
	 	By: 	 	 
	 	 	AUTHORIZED SIGNATORY
	 	 	 
	 	Dated:	 	 

 

CERTIFICATE AUTHENTICATION

 

This is one of the
Certificates referred to in the within-mentioned Pooling and Servicing Agreement.

 

	 	WELLS FARGO BANK, N.A.,
	 	 	as Authenticating Agent
	 	 	 
	 	By: 	 	 
	 	 	AUTHORIZED SIGNATORY
	 	 	 
	 	Dated:	 	 

 

    	4

    	 

    

 

SEQUOIA MORTGAGE TRUST 2013-1

MORTGAGE PASS-THROUGH CERTIFICATE

 

This Certificate is
one of a duly authorized issue of certificates designated as Sequoia Mortgage Trust 2013-1 Mortgage Pass-Through Certificates (the
“Certificates”), representing all or part of a beneficial ownership interest in a Trust Fund established pursuant to
a Pooling and Servicing Agreement, dated as of January 1, 2013 (the “Pooling and Servicing Agreement”), among Sequoia
Residential Funding, Inc., as depositor (the “Depositor”), Wells Fargo Bank, N.A., as master servicer (in such capacity,
the “Master Servicer”) and as securities administrator (in such capacity, the “Securities Administrator”)
and Christiana Trust, a division of Wilmington Savings Fund Society, FSB, as trustee (the “Trustee”), to which terms,
provisions and conditions thereof the Holder of this Certificate by virtue of the acceptance hereof assents, and by which such
Holder is bound. Except as otherwise defined herein, all capitalized terms used herein shall have the meanings ascribed to them
in the Pooling and Servicing Agreement. The Certificates consist of the following Classes: Class 1-A1, Class 1-AX, Class 2-A1,
Class 2-AX, Class R, Class LT-R, Class B-1, Class B-2, Class B-3, Class B-4, and Class B-5.

 

On each Distribution
Date, the Paying Agent, on behalf of the Trustee, will make distributions from the Distribution Account to the Holders of Certificates
according to the terms of the Pooling and Servicing Agreement. All distributions or allocations made with respect to each Class
of Certificates on each Distribution Date shall be allocated among the outstanding Certificates of such Class based on the Certificate
Principal Amount (or Certificate Notional Amount) of each such Certificate.

 

Distributions on this
Certificate will be made by check mailed to the Holder of record of this Certificate on the immediately preceding Record Date at
the address of such Holder as it appears on the Certificate Register or, upon written request made to the Securities Administrator
at least five Business Days prior to the related Record Date, by any Certificateholder owning an aggregate initial Certificate
Principal Amount (or Certificate Notional Amount) of at least $1,000,000 or, in the case of any Residual Certificate, a Percentage
Interest of 100%, by wire transfer in immediately available funds to an account specified in such request and at the expense of
such Certificateholder requesting such wire transfer by deducting a wire transfer fee from the related distribution; provided,
however, that the final distribution in respect of any Certificate shall be made only upon presentation and surrender of such Certificate
at the Corporate Trust Office (as defined below); provided, further, that the foregoing provisions shall not apply to any Certificate
as long as such Certificate remains a Book-Entry Certificate, in which case all payments made shall be made through the Clearing
Agency and its Clearing Agency Participants. Notwithstanding such final payment of principal of any of the Certificates, each Residual
Certificate will remain outstanding until the termination of the related REMIC or REMICs and the payment in full of all other amounts
due with respect to the Residual Certificates and at such time such final payment in retirement of any Residual Certificate will
be made only upon presentation and surrender of such Certificate at the Corporate Trust Office.

 

The Corporate Trust
Office with respect to the presentment and surrender of Certificates for the final distribution thereon is the corporate trust
office of the Certificate Registrar at Sixth Street and Marquette Avenue, Minneapolis, Minnesota 55479, Attention: Corporate Trust
Services — Sequoia Mortgage Trust 2013-1 or at such other address as the Securities Administrator may designate from time
to time.

 

    	5

    	 

    
 

The Pooling and Servicing
Agreement may be amended by the Trustee, the Master Servicer, the Securities Administrator, and the Depositor with the consent
of the Holders of not less than 66-2/3% of the Class Principal Amount or Class Notional Amount (or Percentage Interest) 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 the Pooling and Servicing Agreement or of modifying in any manner the rights of the Holders; provided, however,
that no such amendment shall be made unless the Trustee and the Securities Administrator receive an Opinion of Counsel, at the
expense of the party requesting the change, that such change will not cause an Adverse REMIC Event; and provided further, that
no such amendment may (i) reduce in any manner the amount of, or delay the timing of, payments received on Mortgage Loans which
are required to be distributed on any Certificate, without the consent of the Holder of such Certificate or (ii) reduce the aforesaid
percentages of Class Principal Amount or Class Notional Amount (or Percentage Interest) of Certificates of each Class, the Holders
of which are required to consent to any such amendment without the consent of the Holders of 100% of the Class Principal Amount
or Class Notional Amount (or Percentage Interest) of each Class of Certificates affected thereby.  For purposes of this
paragraph, references to “Holder” or “Holders” shall be deemed to include, in the case of any Class of
Book-Entry Certificates, the related Certificate Owners. Any consent by the Holder of this Certificate
will be conclusive and binding upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof
or in exchange herefor or in lieu hereof whether or not consent is made with respect to such Certificate. The Pooling and Servicing
Agreement also permits the amendment thereof in certain limited circumstances without the consent of the Holders.

 

As provided in the
Pooling and Servicing Agreement and subject to certain limitations therein set forth, the transfer of this Certificate is registerable
in the Certificate Register upon surrender of this Certificate for registration of transfer at the Corporate Trust Office, duly
endorsed by, or accompanied by a written instrument of transfer in form satisfactory to, the Certificate Registrar duly executed
by the Holder thereof or such Holder’s attorney duly authorized in writing, and thereupon one or more new Certificates of
the same Class of authorized denominations evidencing the same initial Certificate Principal Amount (or Notional Amount) will be
issued to the designated transferee or transferees. As provided in the Pooling and Servicing Agreement and subject to certain limitations
therein set forth, this Certificate is exchangeable for new Certificates of the same Class evidencing the same aggregate initial
Certificate Principal Amount (or Notional Amount) as requested by the Holder surrendering the same. No service charge will be made
for any such registration of transfer or exchange, but 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 exchange of Certificates.

 

The Class 1-A1, Class
2-A1, Class B-1, Class B-2, Class B-3, Class B-4, and Class B-5 Certificates are issuable only in registered
form in minimum denominations of $100,000 in initial Certificate Principal Amount and the Class 1-AX and Class 2-AX Certificates
are issuable only in registered form in minimum denominations of $1,000,000 in initial Certificate Notional Amount, in each case,
in integral multiples of $1 in excess thereof and, in the case of the Class 1-A1, Class 1-AX, Class 2-A1, Class 2-AX, B-1, Class
B-2 and Class B-3 Certificates, will be registered in the name of the nominee of the Clearing Agency, which shall maintain such
Certificates through its book-entry facilities and, in the case of the Class B-4 and Class B-5 Certificates, will be maintained
in physical form. The Class R and Class LT-R Certificates will each be issued as a single Certificate representing the entire Percentage
Interest in that Class and will be maintained in physical form. The Certificates shall remain outstanding until the final Distribution
Date for the Certificates.

 

    	6

    	 

    
 

On any date on which
the Aggregate Stated Principal Balance of the Mortgage Loans has declined to less than 10% of the initial Aggregate Stated Principal
Balance of the Mortgage Loans as of the Cut-off Date, subject to satisfaction of the conditions described in the Pooling and Servicing
Agreement, the Master Servicer may purchase all of the Mortgage Loans from the Trust Fund, thereby causing an early retirement
of the Certificates.

 

In no event will the
trust created by the Pooling and Servicing Agreement continue beyond the expiration of 21 years from the death of the last survivor
of the descendants living at the date of the Pooling and Servicing Agreement of a certain person named in the Pooling and Servicing
Agreement.

 

The Depositor, the
Trustee, the Securities Administrator, the Master Servicer, the Certificate Registrar and any agent of any of them may treat the
Person in whose name this Certificate is registered as the owner hereof for all purposes, and none of the Depositor, the Trustee,
the Securities Administrator, the Master Servicer, the Certificate Registrar or any such agent shall be affected by any notice
to the contrary.

 

As provided in the
Pooling and Servicing Agreement, this Certificate and the Pooling and Servicing Agreement shall be construed in accordance with
and governed by the laws of the State of New York without regard to the conflict of laws principles applied in the State of New
York. In the event of any conflict between the provisions of this Certificate and the Pooling and Servicing Agreement, the Pooling
and Servicing Agreement shall be controlling.

 

    	7

    	 

    

  

ASSIGNMENT

 

FOR VALUE RECEIVED, the undersigned hereby sell(s) and assign(s)
and transfer(s) unto

 

	 
	 
	 

(Please print or type name and address, including postal zip
code, of assignee and social security number or employer identification number)

 

	 

the within Certificate stating in the names of the undersigned
in the Certificate Register and does hereby irrevocably constitute and appoint

 

	 

to transfer such Certificate in such Certificate Register.

 

I [we] further direct the Certificate Registrar to issue
a new Certificate of the same Class of like principal to the above-named assignee and deliver such Certificate to the following
address:

 

 

 

 

 

 

 

	Dated: __________________________________________	 	 
	 	 	Signature by or on behalf of Assignor
	 	 	 
	 	 	 
	Authorized Officer	 	Signature Guaranteed
	 	 	 
	 	 	 
	Name of Institution	 	NOTICE: The signature(s) of this assignment must correspond with the name(s) on the face of this Certificate without alteration or any change whatsoever.  The signature must be guaranteed by a participant in the Securities Transfer Agents Medallion Program, the New York Stock Exchange Medallion Signature Program or the Stock Exchanges Medallion Program.  Notarized or witnessed signatures are not acceptable as guaranteed signatures.

 

    	 

    	 

    

 

DISTRIBUTION
INSTRUCTIONS

 

The assignee should
include the following for the information of the Certificate Registrar. Distributions shall be made by wire transfer in immediately
available funds to

 

	 

 

for the account of ____________________________________________________________________________________

 

account number _______________________
or, if mailed by check, to ___________________________________________

 

	 

 

Applicable reports and statements should
be mailed to ________________________________________________________

 

	 

 

This information is
provided by ___________________________________________________________________

 

the assignee named above, or ______________________________________
as its agent.

  

    	 

    	 

    

 

THIS CERTIFICATE IS A REMIC REGULAR INTEREST
CERTIFICATE. THIS CERTIFICATE DOES NOT EVIDENCE AN OBLIGATION OF, OR AN INTEREST IN, AND IS NOT GUARANTEED BY, THE DEPOSITOR, THE
TRUSTEE, THE SECURITIES ADMINISTRATOR, THE MASTER SERVICER OR ANY AFFILIATE OF ANY OF THEM AND IS NOT INSURED OR GUARANTEED BY
ANY GOVERNMENTAL AGENCY OR PRIVATE INSURER.

 

THIS IS AN INTEREST-ONLY CERTIFICATE THAT
IS NOT ENTITLED TO ANY DISTRIBUTIONS WITH RESPECT TO PRINCIPAL. THE CERTIFICATE NOTIONAL AMOUNT OF THIS CERTIFICATE WILL BE REDUCED
AS SET FORTH HEREIN. ACCORDINGLY, THE CERTIFICATE NOTIONAL AMOUNT OF THIS CERTIFICATE AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN
ON THE FACE HEREOF.

 

UNLESS THIS CERTIFICATE IS PRESENTED BY
AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION (“DTC”), TO THE ISSUER OR ITS
AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO.
OR IN SUCH OTHER NAME AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO SUCH
OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC, ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE
BY OR TO ANY PERSON IS WRONGFUL, INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.

 

THE HOLDER AND ANY TRANSFEREE OF THIS CERTIFICATE
WILL BE DEEMED TO HAVE REPRESENTED BY VIRTUE OF ITS PURCHASE OR HOLDING OF THIS CERTIFICATE (OR INTEREST THEREIN) THAT EITHER (A)
SUCH HOLDER OR TRANSFEREE IS NOT AN EMPLOYEE BENEFIT PLAN OR OTHER PLAN OR ARRANGEMENT SUBJECT TO THE PROHIBITED TRANSACTION PROVISIONS
OF THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED (“ERISA”), OR SECTION 4975 OF THE CODE OR A PERSON
(INCLUDING AN INSURANCE COMPANY INVESTING ITS GENERAL ACCOUNT, AN INVESTMENT MANAGER, A NAMED FIDUCIARY OR A TRUSTEE OF ANY SUCH
PLAN) WHO IS USING “PLAN ASSETS” OF ANY SUCH PLAN TO EFFECT SUCH ACQUISITION (EACH OF THE FOREGOING, A “PLAN
INVESTOR”), (B) IT HAS ACQUIRED AND IS HOLDING THIS CERTIFICATE IN RELIANCE ON U.S. DEPARTMENT OF LABOR PROHIBITED TRANSACTION
EXEMPTION (“PTE”) FAN 04-03E, AS AMENDED, (THE “UNDERWRITER EXEMPTION”), AND THAT IT UNDERSTANDS THAT THERE
ARE CERTAIN CONDITIONS TO THE AVAILABILITY OF THE UNDERWRITER EXEMPTION INCLUDING THAT THIS CERTIFICATE MUST BE RATED, AT THE TIME
OF PURCHASE, NOT LOWER THAN “BBB-” (OR ITS EQUIVALENT) BY STANDARD & POOR’S, FITCH, MOODY’S, DBRS LIMITED
OR DBRS, INC. OR (C) (I) THE TRANSFEREE IS AN INSURANCE COMPANY, (II) THE SOURCE OF FUNDS USED TO PURCHASE OR HOLD THIS CERTIFICATE
IS AN “INSURANCE COMPANY GENERAL ACCOUNT” (AS DEFINED IN U.S. DEPARTMENT OF LABOR PROHIBITED TRANSACTION CLASS EXEMPTION
(“PTCE”) 95-60), AND (III) THE CONDITIONS SET FORTH IN SECTIONS I AND III OF PTCE 95-60 HAVE BEEN SATISFIED (EACH ENTITY
THAT SATISFIES THIS CLAUSE (C), A “COMPLYING INSURANCE COMPANY”).

 

    	 

    	 

    

 

IF THIS CERTIFICATE (OR ANY INTEREST THEREIN)
IS ACQUIRED OR HELD BY ANY PERSON THAT DOES NOT SATISFY THE CONDITIONS DESCRIBED IN THE PRECEDING PARAGRAPH, THEN THE LAST PRECEDING
TRANSFEREE THAT EITHER (I) IS NOT A PLAN INVESTOR, (II) ACQUIRED SUCH CERTIFICATE IN COMPLIANCE WITH THE UNDERWRITER EXEMPTION,
OR (III) IS A COMPLYING INSURANCE COMPANY SHALL BE RESTORED, TO THE EXTENT PERMITTED BY LAW, TO ALL RIGHTS AND OBLIGATIONS AS CERTIFICATE
OWNER THEREOF RETROACTIVE TO THE DATE OF SUCH TRANSFER OF THIS CERTIFICATE. THE TRUSTEE SHALL BE UNDER NO LIABILITY TO ANY PERSON
FOR MAKING ANY PAYMENTS DUE ON THIS CERTIFICATE TO SUCH PRECEDING TRANSFEREE.

 

ANY PURPORTED CERTIFICATE OWNER WHOSE ACQUISITION
OR HOLDING OF THIS CERTIFICATE (OR INTEREST THEREIN) WAS EFFECTED IN VIOLATION OF THE RESTRICTIONS IN SECTION 3.03 OF THE AGREEMENT
SHALL INDEMNIFY AND HOLD HARMLESS THE CERTIFICATE REGISTRAR, THE DEPOSITOR, THE TRUSTEE AND THE TRUST FUND FROM AND AGAINST ANY
AND ALL LIABILITIES, CLAIMS, COSTS OR EXPENSES INCURRED BY SUCH PARTIES AS A RESULT OF SUCH ACQUISITION OR HOLDING.

 

SEQUOIA MORTGAGE TRUST 2013-1

MORTGAGE PASS-THROUGH CERTIFICATES, CLASS
2-AX

 

Evidencing a beneficial interest in a pool of residential
mortgage loans and any other assets established by

 

SEQUOIA RESIDENTIAL FUNDING, INC.

 

	Initial Class Notional	Initial Certificate
	Amount of the Class 2-AX	Notional Amount of this
	Certificates: $217,189,000	Certificates: $217,189,000
	 	 
	Certificate Interest Rate: Adjustable	Cut-off Date: January 1, 2013
	 	 
	Final Scheduled Distribution	 
	Date: February 2043	 
	 	 
	NUMBER 1	CUSIP:   81744W AD2

 

    	2

    	 

    

 

THIS CERTIFIES THAT
CEDE & CO. is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the initial
Certificate Notional Amount of this Certificate by the initial Class Notional Amount of all Class 2-AX Certificates, both as specified
above) in a Trust Fund, the assets of which consist of the Mortgage Loans and all interest and principal received thereon after
the Cut-off Date (other than Scheduled Payments due on or prior to the Cut-off Date), the rights of the Seller and the Depositor
assigned to the Trustee under each Purchase Agreement, each Servicing Agreement, the Mortgage Loan Purchase and Sale Agreement,
the Insurance Policies relating to the Mortgage Loans, all cash, instruments or property held or required to be held in the Custodial
Accounts and the Distribution Account and property that secured a Mortgage Loan; and certain other assets, if any, as described
in the Pooling and Servicing Agreement (the foregoing assets hereinafter collectively referred to as the “Trust Fund”).

 

Distributions on this
Certificate will be made on the 25th day of each month or, if such day is not a Business Day, then on the succeeding Business Day,
commencing in February 2013 (each, a “Distribution Date”), to the Person in whose name this Certificate is registered
at the close of business on the last Business Day preceding such Distribution Date (the “Record Date”), in an amount
equal to the product of the Percentage Interest evidenced by this Certificate and the amount, if any, required to be distributed
to all Certificates of the Class represented by this Certificate. All sums distributable on this Certificate are payable in the
coin or currency of the United States of America which at the time of payment is legal tender for the payment of public and private
debts.

 

Reference is hereby
made to the further provisions of this Certificate set forth on the reverse hereof, which shall have the same effect as though
fully set forth on the face of this Certificate.

 

Unless the certificate
of authentication hereon has been executed by or on behalf of the Authenticating Agent, whose name appears below by manual signature,
this Certificate shall not be entitled to any benefit under the Pooling and Servicing Agreement or be valid for any purpose.

 

    	3

    	 

    

 

IN WITNESS WHEREOF,
Christiana Trust, a division of Wilmington Savings Fund Society, FSB, as Trustee, has caused this Certificate to be duly executed.

  

	 	CHRISTIANA TRUST, A DIVISION OF WILMINGTON SAVINGS FUND SOCIETY, FSB,
	 	 	as Trustee
	 	 	 
	 	By: 	 	 
	 	 	AUTHORIZED SIGNATORY
	 	 	 
	 	Dated:	 	 

 

CERTIFICATE AUTHENTICATION

 

This is one of the
Certificates referred to in the within-mentioned Pooling and Servicing Agreement.

 

	 	WELLS FARGO BANK, N.A.,
	 	 	as Authenticating Agent
	 	 	 
	 	By: 	 	 
	 	 	AUTHORIZED SIGNATORY
	 	 	 
	 	Dated:	 	 

 

    	4

    	 

    

 

SEQUOIA MORTGAGE TRUST 2013-1

MORTGAGE PASS-THROUGH CERTIFICATE

 

This Certificate is
one of a duly authorized issue of certificates designated as Sequoia Mortgage Trust 2013-1 Mortgage Pass-Through Certificates (the
“Certificates”), representing all or part of a beneficial ownership interest in a Trust Fund established pursuant to
a Pooling and Servicing Agreement, dated as of January 1, 2013 (the “Pooling and Servicing Agreement”), among Sequoia
Residential Funding, Inc., as depositor (the “Depositor”), Wells Fargo Bank, N.A., as master servicer (in such capacity,
the “Master Servicer”) and as securities administrator (in such capacity, the “Securities Administrator”)
and Christiana Trust, a division of Wilmington Savings Fund Society, FSB, as trustee (the “Trustee”), to which terms,
provisions and conditions thereof the Holder of this Certificate by virtue of the acceptance hereof assents, and by which such
Holder is bound. Except as otherwise defined herein, all capitalized terms used herein shall have the meanings ascribed to them
in the Pooling and Servicing Agreement. The Certificates consist of the following Classes: Class 1-A1, Class 1-AX, Class 2-A1,
Class 2-AX, Class R, Class LT-R, Class B-1, Class B-2, Class B-3, Class B-4, and Class B-5.

 

On each Distribution
Date, the Paying Agent, on behalf of the Trustee, will make distributions from the Distribution Account to the Holders of Certificates
according to the terms of the Pooling and Servicing Agreement. All distributions or allocations made with respect to each Class
of Certificates on each Distribution Date shall be allocated among the outstanding Certificates of such Class based on the Certificate
Principal Amount (or Certificate Notional Amount) of each such Certificate.

 

Distributions on this
Certificate will be made by check mailed to the Holder of record of this Certificate on the immediately preceding Record Date at
the address of such Holder as it appears on the Certificate Register or, upon written request made to the Securities Administrator
at least five Business Days prior to the related Record Date, by any Certificateholder owning an aggregate initial Certificate
Principal Amount (or Certificate Notional Amount) of at least $1,000,000 or, in the case of any Residual Certificate, a Percentage
Interest of 100%, by wire transfer in immediately available funds to an account specified in such request and at the expense of
such Certificateholder requesting such wire transfer by deducting a wire transfer fee from the related distribution; provided,
however, that the final distribution in respect of any Certificate shall be made only upon presentation and surrender of such Certificate
at the Corporate Trust Office (as defined below); provided, further, that the foregoing provisions shall not apply to any Certificate
as long as such Certificate remains a Book-Entry Certificate, in which case all payments made shall be made through the Clearing
Agency and its Clearing Agency Participants. Notwithstanding such final payment of principal of any of the Certificates, each Residual
Certificate will remain outstanding until the termination of the related REMIC or REMICs and the payment in full of all other amounts
due with respect to the Residual Certificates and at such time such final payment in retirement of any Residual Certificate will
be made only upon presentation and surrender of such Certificate at the Corporate Trust Office.

 

The Corporate Trust
Office with respect to the presentment and surrender of Certificates for the final distribution thereon is the corporate trust
office of the Certificate Registrar at Sixth Street and Marquette Avenue, Minneapolis, Minnesota 55479, Attention: Corporate Trust
Services — Sequoia Mortgage Trust 2013-1 or at such other address as the Securities Administrator may designate from time
to time.

 

    	5

    	 

    

 

The Pooling and Servicing
Agreement may be amended by the Trustee, the Master Servicer, the Securities Administrator, and the Depositor with the consent
of the Holders of not less than 66-2/3% of the Class Principal Amount or Class Notional Amount (or Percentage Interest) 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 the Pooling and Servicing Agreement or of modifying in any manner the rights of the Holders; provided, however,
that no such amendment shall be made unless the Trustee and the Securities Administrator receive an Opinion of Counsel, at the
expense of the party requesting the change, that such change will not cause an Adverse REMIC Event; and provided further, that
no such amendment may (i) reduce in any manner the amount of, or delay the timing of, payments received on Mortgage Loans which
are required to be distributed on any Certificate, without the consent of the Holder of such Certificate or (ii) reduce the aforesaid
percentages of Class Principal Amount or Class Notional Amount (or Percentage Interest) of Certificates of each Class, the Holders
of which are required to consent to any such amendment without the consent of the Holders of 100% of the Class Principal Amount
or Class Notional Amount (or Percentage Interest) of each Class of Certificates affected thereby.  For purposes of this
paragraph, references to “Holder” or “Holders” shall be deemed to include, in the case of any Class of
Book-Entry Certificates, the related Certificate Owners. Any consent by the Holder of this Certificate
will be conclusive and binding upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof
or in exchange herefor or in lieu hereof whether or not consent is made with respect to such Certificate. The Pooling and Servicing
Agreement also permits the amendment thereof in certain limited circumstances without the consent of the Holders.

 

As provided in the
Pooling and Servicing Agreement and subject to certain limitations therein set forth, the transfer of this Certificate is registerable
in the Certificate Register upon surrender of this Certificate for registration of transfer at the Corporate Trust Office, duly
endorsed by, or accompanied by a written instrument of transfer in form satisfactory to, the Certificate Registrar duly executed
by the Holder thereof or such Holder’s attorney duly authorized in writing, and thereupon one or more new Certificates of
the same Class of authorized denominations evidencing the same initial Certificate Principal Amount (or Notional Amount) will be
issued to the designated transferee or transferees. As provided in the Pooling and Servicing Agreement and subject to certain limitations
therein set forth, this Certificate is exchangeable for new Certificates of the same Class evidencing the same aggregate initial
Certificate Principal Amount (or Notional Amount) as requested by the Holder surrendering the same. No service charge will be made
for any such registration of transfer or exchange, but 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 exchange of Certificates.

 

    	6

    	 

    

 

The Class 1-A1, Class
2-A1, Class B-1, Class B-2, Class B-3, Class B-4, and Class B-5 Certificates are issuable only in registered
form in minimum denominations of $100,000 in initial Certificate Principal Amount and the Class 1-AX and Class 2-AX Certificates
are issuable only in registered form in minimum denominations of $1,000,000 in initial Certificate Notional Amount, in each case,
in integral multiples of $1 in excess thereof and, in the case of the Class 1-A1, Class 1-AX, Class 2-A1, Class 2-AX, Class B-1,
Class B-2 and Class B-3 Certificates, will be registered in the name of the nominee of the Clearing Agency, which shall maintain
such Certificates through its book-entry facilities and, in the case of the Class B-4 and Class B-5 Certificates, will be maintained
in physical form. The Class R and Class LT-R Certificates will each be issued as a single Certificate representing the entire Percentage
Interest in that Class and will be maintained in physical form. The Certificates shall remain outstanding until the final Distribution
Date for the Certificates.

 

On any date on which
the Aggregate Stated Principal Balance of the Mortgage Loans has declined to less than 10% of the initial Aggregate Stated Principal
Balance of the Mortgage Loans as of the Cut-off Date, subject to satisfaction of the conditions described in the Pooling and Servicing
Agreement, the Master Servicer may purchase all of the Mortgage Loans from the Trust Fund, thereby causing an early retirement
of the Certificates.

 

In no event will the
trust created by the Pooling and Servicing Agreement continue beyond the expiration of 21 years from the death of the last survivor
of the descendants living at the date of the Pooling and Servicing Agreement of a certain person named in the Pooling and Servicing
Agreement.

 

The Depositor, the
Trustee, the Securities Administrator, the Master Servicer, the Certificate Registrar and any agent of any of them may treat the
Person in whose name this Certificate is registered as the owner hereof for all purposes, and none of the Depositor, the Trustee,
the Securities Administrator, the Master Servicer, the Certificate Registrar or any such agent shall be affected by any notice
to the contrary.

 

As provided in the
Pooling and Servicing Agreement, this Certificate and the Pooling and Servicing Agreement shall be construed in accordance with
and governed by the laws of the State of New York without regard to the conflict of laws principles applied in the State of New
York. In the event of any conflict between the provisions of this Certificate and the Pooling and Servicing Agreement, the Pooling
and Servicing Agreement shall be controlling.

 

    	7

    	 

    

 

ASSIGNMENT

 

FOR VALUE RECEIVED, the undersigned hereby sell(s) and assign(s)
and transfer(s) unto

 

	 
	 
	 

(Please print or type name and address, including postal zip
code, of assignee and social security number or employer identification number)

 

	 

the within Certificate stating in the names of the undersigned
in the Certificate Register and does hereby irrevocably constitute and appoint

 

	 

to transfer such Certificate in such Certificate Register.

 

I [we] further direct the Certificate Registrar to issue
a new Certificate of the same Class of like principal to the above-named assignee and deliver such Certificate to the following
address:

 

 

 

 

 

 

 

	Dated: __________________________________________	 	 
	 	 	Signature by or on behalf of Assignor
	 	 	 
	 	 	 
	Authorized Officer	 	Signature Guaranteed
	 	 	 
	 	 	 
	Name of Institution	 	NOTICE: The signature(s) of this assignment must correspond with the name(s) on the face of this Certificate without alteration or any change whatsoever.  The signature must be guaranteed by a participant in the Securities Transfer Agents Medallion Program, the New York Stock Exchange Medallion Signature Program or the Stock Exchanges Medallion Program.  Notarized or witnessed signatures are not acceptable as guaranteed signatures.

 

    	 

    	 

    

 

DISTRIBUTION
INSTRUCTIONS

 

The assignee should
include the following for the information of the Certificate Registrar. Distributions shall be made by wire transfer in immediately
available funds to

 

	 

 

for the account of _____________________________________________________________________________________

 

account number _______________________
or, if mailed by check, to ___________________________________________

 

	 

 

Applicable reports and statements should
be mailed to _______________________________________________________

 

	 

 

This information is
provided by _________________________________________________________________

 

the assignee named above, or ______________________________________
as its agent. 

 

    	 

    	 

    

 

THIS CERTIFICATE IS A REMIC REGULAR INTEREST
CERTIFICATE. THIS CERTIFICATE DOES NOT EVIDENCE AN OBLIGATION OF, OR AN INTEREST IN, AND IS NOT GUARANTEED BY, THE DEPOSITOR, THE
TRUSTEE, THE SECURITIES ADMINISTRATOR, THE MASTER SERVICER OR ANY AFFILIATE OF ANY OF THEM AND IS NOT INSURED OR GUARANTEED BY
ANY GOVERNMENTAL AGENCY OR PRIVATE INSURER.

 

DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE
PRINCIPAL AMOUNT OF THIS CERTIFICATE MAY BE MADE IN INSTALLMENTS AS SET FORTH HEREIN. ACCORDINGLY, THE CERTIFICATE PRINCIPAL AMOUNT
OF THIS CERTIFICATE AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ON THE FACE HEREOF.

 

THIS CERTIFICATE IS SUBORDINATE IN RIGHT
OF PAYMENT AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN.

 

UNLESS THIS CERTIFICATE IS PRESENTED BY
AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION (“DTC”), TO THE 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.

 

NO TRANSFER OF THIS CERTIFICATE OR ANY
INTEREST THEREIN SHALL BE MADE TO ANY EMPLOYEE BENEFIT PLAN OR OTHER PLAN OR ARRANGEMENT SUBJECT TO THE PROHIBITED TRANSACTION
PROVISIONS OF THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED (“ERISA”), OR SECTION 4975 OF THE CODE,
OR ANY PERSON (INCLUDING AN INSURANCE COMPANY INVESTING ITS GENERAL ACCOUNT, AN INVESTMENT MANAGER, A NAMED FIDUCIARY OR A TRUSTEE
OF ANY SUCH PLAN) WHO IS USING “PLAN ASSETS” OF ANY SUCH PLAN TO EFFECT SUCH ACQUISITION (EACH OF THE FOREGOING, A
“PLAN INVESTOR”) UNLESS THE CERTIFICATE REGISTRAR IS PROVIDED WITH EITHER (I) A CERTIFICATION PURSUANT TO SECTION 3.03(d)(i)
OF THE AGREEMENT OR (II) AN OPINION OF COUNSEL ACCEPTABLE TO AND IN FORM AND SUBSTANCE SATISFACTORY TO THE CERTIFICATE REGISTRAR
TO THE EFFECT THAT THE PURCHASE OR HOLDING OF THIS CERTIFICATE IS PERMISSIBLE UNDER APPLICABLE LAW, WILL NOT CONSTITUTE OR RESULT
IN ANY NON-EXEMPT PROHIBITED TRANSACTION UNDER SECTION 406 OF ERISA OR SECTION 4975 OF THE CODE (OR COMPARABLE PROVISIONS OF ANY
SUBSEQUENT ENACTMENTS), AND WILL NOT SUBJECT THE CERTIFICATE REGISTRAR, THE TRUSTEE OR THE DEPOSITOR TO ANY OBLIGATION OR LIABILITY
(INCLUDING OBLIGATIONS OR LIABILITIES UNDER ERISA OR SECTION 4975 OF THE CODE) IN ADDITION TO THOSE UNDERTAKEN IN THE AGREEMENT,
WHICH OPINION OF COUNSEL SHALL NOT BE AN EXPENSE OF THE TRUST FUND, THE CERTIFICATE REGISTRAR, THE TRUSTEE OR THE DEPOSITOR. EACH
INVESTOR IN THIS CERTIFICATE WILL BE DEEMED TO REPRESENT THAT IT IS IN COMPLIANCE WITH THE FOREGOING AND WILL BE FURTHER DEEMED
TO REPRESENT, WARRANT AND COVENANT THAT IT WILL NOT SELL, PLEDGE OR OTHERWISE TRANSFER SUCH ERISA-RESTRICTED CERTIFICATE IN VIOLATION
OF THE FOREGOING.

 

    	 

    	 

    

 

ANY PURPORTED CERTIFICATE OWNER WHOSE ACQUISITION
OR HOLDING OF THIS CERTIFICATE (OR INTEREST THEREIN) WAS EFFECTED IN VIOLATION OF THE RESTRICTIONS IN SECTION 3.03 OF THE AGREEMENT
SHALL INDEMNIFY AND HOLD HARMLESS THE CERTIFICATE REGISTRAR, THE DEPOSITOR, THE TRUSTEE AND THE TRUST FUND FROM AND AGAINST ANY
AND ALL LIABILITIES, CLAIMS, COSTS OR EXPENSES INCURRED BY SUCH PARTIES AS A RESULT OF SUCH ACQUISITION OR HOLDING.

 

SEQUOIA MORTGAGE TRUST 2013-1

MORTGAGE PASS-THROUGH CERTIFICATES, CLASS
B-l

 

Evidencing a beneficial interest in a pool of residential
mortgage loans and any other assets established by

 

SEQUOIA RESIDENTIAL FUNDING, INC.

 

	Initial Class Principal	Initial Certificate
	Amount of the Class B-1	Principal Amount of this
	Certificates: $10,146,000	Certificates: $10,146,000
	 	 
	Certificate Interest Rate: Adjustable	Cut-off Date: January 1, 2013
	 	 
	Final Scheduled Distribution	 
	Date: February 2043	 
	 	 
	NUMBER 1	CUSIP:  81744W AE0

 

    	2

    	 

    

 

THIS CERTIFIES THAT
CEDE & CO. is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the initial
Certificate Principal Amount of this Certificate by the initial Class Principal Amount of all Class B-1 Certificates, both as specified
above) in a Trust Fund, the assets of which consist of the Mortgage Loans and all interest and principal received thereon after
the Cut-off Date (other than Scheduled Payments due on or prior to the Cut-off Date), the rights of the Seller and the Depositor
assigned to the Trustee under each Purchase Agreement, each Servicing Agreement, the Mortgage Loan Purchase and Sale Agreement,
the Insurance Policies relating to the Mortgage Loans, all cash, instruments or property held or required to be held in the Custodial
Accounts and the Distribution Account and property that secured a Mortgage Loan; and certain other assets, if any, as described
in the Pooling and Servicing Agreement (the foregoing assets hereinafter collectively referred to as the “Trust Fund”).

 

Distributions on this
Certificate will be made on the 25th day of each month or, if such day is not a Business Day, then on the succeeding Business Day,
commencing in February 2013 (each, a “Distribution Date”), to the Person in whose name this Certificate is registered
at the close of business on the last Business Day preceding such Distribution Date (the “Record Date”), in an amount
equal to the product of the Percentage Interest evidenced by this Certificate and the amount, if any, required to be distributed
to all Certificates of the Class represented by this Certificate. All sums distributable on this Certificate are payable in the
coin or currency of the United States of America which at the time of payment is legal tender for the payment of public and private
debts.

 

Reference is hereby
made to the further provisions of this Certificate set forth on the reverse hereof, which shall have the same effect as though
fully set forth on the face of this Certificate.

 

Unless the certificate
of authentication hereon has been executed by or on behalf of the Authenticating Agent, whose name appears below by manual signature,
this Certificate shall not be entitled to any benefit under the Pooling and Servicing Agreement or be valid for any purpose.

 

    	3

    	 

    

 

IN WITNESS WHEREOF,
Christiana Trust, a division of Wilmington Savings Fund Society, FSB, as Trustee, has caused this Certificate to be duly executed.

 

	 	CHRISTIANA TRUST, A DIVISION OF WILMINGTON SAVINGS FUND SOCIETY, FSB,
	 	 	as Trustee
	 	 	 
	 	By: 	 	 
	 	 	AUTHORIZED SIGNATORY
	 	 	 
	 	Dated:	 	 

 

CERTIFICATE AUTHENTICATION

 

This is one of the
Certificates referred to in the within-mentioned Pooling and Servicing Agreement.

 

	 	WELLS FARGO BANK, N.A.,
	 	 	as Authenticating Agent
	 	 	 
	 	By: 	 	 
	 	 	AUTHORIZED SIGNATORY
	 	 	 
	 	Dated:	 	 

 

    	4

    	 

    

 

SEQUOIA MORTGAGE TRUST 2013-1

MORTGAGE PASS-THROUGH CERTIFICATE

 

This Certificate is
one of a duly authorized issue of certificates designated as Sequoia Mortgage Trust 2013-1 Mortgage Pass-Through Certificates (the
“Certificates”), representing all or part of a beneficial ownership interest in a Trust Fund established pursuant to
a Pooling and Servicing Agreement, dated as of January 1, 2013 (the “Pooling and Servicing Agreement”), among Sequoia
Residential Funding, Inc., as depositor (the “Depositor”), Wells Fargo Bank, N.A., as master servicer (in such capacity,
the “Master Servicer”) and as securities administrator (in such capacity, the “Securities Administrator”)
and Christiana Trust, a division of Wilmington Savings Fund Society, FSB, as trustee (the “Trustee”), to which terms,
provisions and conditions thereof the Holder of this Certificate by virtue of the acceptance hereof assents, and by which such
Holder is bound. Except as otherwise defined herein, all capitalized terms used herein shall have the meanings ascribed to them
in the Pooling and Servicing Agreement. The Certificates consist of the following Classes: Class 1-A1, Class 1-AX, Class 2-A1,
Class 2-AX, Class R, Class LT-R, Class B-1, Class B-2, Class B-3, Class B-4, and Class B-5.

 

On each Distribution
Date, the Paying Agent, on behalf of the Trustee, will make distributions from the Distribution Account to the Holders of Certificates
according to the terms of the Pooling and Servicing Agreement. All distributions or allocations made with respect to each Class
of Certificates on each Distribution Date shall be allocated among the outstanding Certificates of such Class based on the Certificate
Principal Amount (or Certificate Notional Amount) of each such Certificate.

 

Distributions on this
Certificate will be made by check mailed to the Holder of record of this Certificate on the immediately preceding Record Date at
the address of such Holder as it appears on the Certificate Register or, upon written request made to the Securities Administrator
at least five Business Days prior to the related Record Date, by any Certificateholder owning an aggregate initial Certificate
Principal Amount (or Certificate Notional Amount) of at least $1,000,000 or, in the case of any Residual Certificate, a Percentage
Interest of 100%, by wire transfer in immediately available funds to an account specified in such request and at the expense of
such Certificateholder requesting such wire transfer by deducting a wire transfer fee from the related distribution; provided,
however, that the final distribution in respect of any Certificate shall be made only upon presentation and surrender of such Certificate
at the Corporate Trust Office (as defined below); provided, further, that the foregoing provisions shall not apply to any Certificate
as long as such Certificate remains a Book-Entry Certificate, in which case all payments made shall be made through the Clearing
Agency and its Clearing Agency Participants. Notwithstanding such final payment of principal of any of the Certificates, each Residual
Certificate will remain outstanding until the termination of the related REMIC or REMICs and the payment in full of all other amounts
due with respect to the Residual Certificates and at such time such final payment in retirement of any Residual Certificate will
be made only upon presentation and surrender of such Certificate at the Corporate Trust Office.

 

The Corporate Trust
Office with respect to the presentment and surrender of Certificates for the final distribution thereon is the corporate trust
office of the Certificate Registrar at Sixth Street and Marquette Avenue, Minneapolis, Minnesota 55479, Attention: Corporate Trust
Services — Sequoia Mortgage Trust 2013-1 or at such other address as the Securities Administrator may designate from time
to time.

 

    	5

    	 

    

 

The Pooling and Servicing
Agreement may be amended by the Trustee, the Master Servicer, the Securities Administrator, and the Depositor with the consent
of the Holders of not less than 66-2/3% of the Class Principal Amount or Class Notional Amount (or Percentage Interest) 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 the Pooling and Servicing Agreement or of modifying in any manner the rights of the Holders; provided, however,
that no such amendment shall be made unless the Trustee and the Securities Administrator receive an Opinion of Counsel, at the
expense of the party requesting the change, that such change will not cause an Adverse REMIC Event; and provided further, that
no such amendment may (i) reduce in any manner the amount of, or delay the timing of, payments received on Mortgage Loans which
are required to be distributed on any Certificate, without the consent of the Holder of such Certificate or (ii) reduce the aforesaid
percentages of Class Principal Amount or Class Notional Amount (or Percentage Interest) of Certificates of each Class, the Holders
of which are required to consent to any such amendment without the consent of the Holders of 100% of the Class Principal Amount
or Class Notional Amount (or Percentage Interest) of each Class of Certificates affected thereby.  For purposes of this
paragraph, references to “Holder” or “Holders” shall be deemed to include, in the case of any Class of
Book-Entry Certificates, the related Certificate Owners. Any consent by the Holder of this Certificate
will be conclusive and binding upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof
or in exchange herefor or in lieu hereof whether or not consent is made with respect to such Certificate. The Pooling and Servicing
Agreement also permits the amendment thereof in certain limited circumstances without the consent of the Holders.

 

As provided in the
Pooling and Servicing Agreement and subject to certain limitations therein set forth, the transfer of this Certificate is registerable
in the Certificate Register upon surrender of this Certificate for registration of transfer at the Corporate Trust Office, duly
endorsed by, or accompanied by a written instrument of transfer in form satisfactory to, the Certificate Registrar duly executed
by the Holder thereof or such Holder’s attorney duly authorized in writing, and thereupon one or more new Certificates of
the same Class of authorized denominations evidencing the same initial Certificate Principal Amount (or Notional Amount) will be
issued to the designated transferee or transferees. As provided in the Pooling and Servicing Agreement and subject to certain limitations
therein set forth, this Certificate is exchangeable for new Certificates of the same Class evidencing the same aggregate initial
Certificate Principal Amount (or Notional Amount) as requested by the Holder surrendering the same. No service charge will be made
for any such registration of transfer or exchange, but 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 exchange of Certificates.

 

    	6

    	 

    

 

The Class 1-A1, Class
2-A1, Class B-1, Class B-2, Class B-3, Class B-4, and Class B-5 Certificates are issuable only in registered
form in minimum denominations of $100,000 in initial Certificate Principal Amount and the Class 1-AX and Class 2-AX Certificates
are issuable only in registered form in minimum denominations of $1,000,000 in initial Certificate Notional Amount, in each case,
in integral multiples of $1 in excess thereof and, in the case of the Class 1-A1, Class 1-AX, Class 2-A1, Class 2-AX, Class B-1,
Class B-2 and Class B-3 Certificates, will be registered in the name of the nominee of the Clearing Agency, which shall maintain
such Certificates through its book-entry facilities and, in the case of the Class B-4 and Class B-5 Certificates, will be maintained
in physical form. The Class R and Class LT-R Certificates will each be issued as a single Certificate representing the entire Percentage
Interest in that Class and will be maintained in physical form. The Certificates shall remain outstanding until the final Distribution
Date for the Certificates.

 

On any date on which
the Aggregate Stated Principal Balance of the Mortgage Loans has declined to less than 10% of the initial Aggregate Stated Principal
Balance of the Mortgage Loans as of the Cut-off Date, subject to satisfaction of the conditions described in the Pooling and Servicing
Agreement, the Master Servicer may purchase all of the Mortgage Loans from the Trust Fund, thereby causing an early retirement
of the Certificates.

 

In no event will the
trust created by the Pooling and Servicing Agreement continue beyond the expiration of 21 years from the death of the last survivor
of the descendants living at the date of the Pooling and Servicing Agreement of a certain person named in the Pooling and Servicing
Agreement.

 

The Depositor, the
Trustee, the Securities Administrator, the Master Servicer, the Certificate Registrar and any agent of any of them may treat the
Person in whose name this Certificate is registered as the owner hereof for all purposes, and none of the Depositor, the Trustee,
the Securities Administrator, the Master Servicer, the Certificate Registrar or any such agent shall be affected by any notice
to the contrary.

 

As provided in the
Pooling and Servicing Agreement, this Certificate and the Pooling and Servicing Agreement shall be construed in accordance with
and governed by the laws of the State of New York without regard to the conflict of laws principles applied in the State of New
York. In the event of any conflict between the provisions of this Certificate and the Pooling and Servicing Agreement, the Pooling
and Servicing Agreement shall be controlling.

 

    	7

    	 

    

 

ASSIGNMENT

 

FOR VALUE RECEIVED, the undersigned hereby sell(s) and assign(s)
and transfer(s) unto

 

	 
	 
	 

(Please print or type name and address, including postal zip
code, of assignee and social security number or employer identification number)

 

	 

the within Certificate stating in the names of the undersigned
in the Certificate Register and does hereby irrevocably constitute and appoint

 

	 

to transfer such Certificate in such Certificate Register.

 

I [we] further direct the Certificate Registrar to issue
a new Certificate of the same Class of like principal to the above-named assignee and deliver such Certificate to the following
address:

 

 

 

 

 

 

 

	Dated: __________________________________________	 	 
	 	 	Signature by or on behalf of Assignor
	 	 	 
	 	 	 
	Authorized Officer	 	Signature Guaranteed
	 	 	 
	 	 	 
	Name of Institution	 	NOTICE: The signature(s) of this assignment must correspond with the name(s) on the face of this Certificate without alteration or any change whatsoever.  The signature must be guaranteed by a participant in the Securities Transfer Agents Medallion Program, the New York Stock Exchange Medallion Signature Program or the Stock Exchanges Medallion Program.  Notarized or witnessed signatures are not acceptable as guaranteed signatures.

  

    	 

    	 

    

 

DISTRIBUTION
INSTRUCTIONS

 

The assignee should
include the following for the information of the Certificate Registrar. Distributions shall be made by wire transfer in immediately
available funds to

 

	 

 

for the account of _____________________________________________________________________________________

 

account number _______________________
or, if mailed by check, to ___________________________________________

 

	 

 

Applicable reports and statements should
be mailed to _______________________________________________________

 

	 

 

This information is
provided by _________________________________________________________________

 

the assignee named above, or ______________________________________
as its agent.

 

    	 

    	 

    

 

THIS CERTIFICATE IS A REMIC REGULAR INTEREST
CERTIFICATE. THIS CERTIFICATE DOES NOT EVIDENCE AN OBLIGATION OF, OR AN INTEREST IN, AND IS NOT GUARANTEED BY, THE DEPOSITOR, THE
TRUSTEE, THE SECURITIES ADMINISTRATOR, THE MASTER SERVICER OR ANY AFFILIATE OF ANY OF THEM AND IS NOT INSURED OR GUARANTEED BY
ANY GOVERNMENTAL AGENCY OR PRIVATE INSURER.

 

DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE
PRINCIPAL AMOUNT OF THIS CERTIFICATE MAY BE MADE IN INSTALLMENTS AS SET FORTH HEREIN. ACCORDINGLY, THE CERTIFICATE PRINCIPAL AMOUNT
OF THIS CERTIFICATE AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ON THE FACE HEREOF.

 

THIS CERTIFICATE IS SUBORDINATE IN RIGHT
OF PAYMENT AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN.

 

UNLESS THIS CERTIFICATE IS PRESENTED BY
AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION (“DTC”), TO THE 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.

 

NO TRANSFER OF THIS CERTIFICATE OR ANY
INTEREST THEREIN SHALL BE MADE TO ANY EMPLOYEE BENEFIT PLAN OR OTHER PLAN OR ARRANGEMENT SUBJECT TO THE PROHIBITED TRANSACTION
PROVISIONS OF THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED (“ERISA”), OR SECTION 4975 OF THE CODE,
OR ANY PERSON (INCLUDING AN INSURANCE COMPANY INVESTING ITS GENERAL ACCOUNT, AN INVESTMENT MANAGER, A NAMED FIDUCIARY OR A TRUSTEE
OF ANY SUCH PLAN) WHO IS USING “PLAN ASSETS” OF ANY SUCH PLAN TO EFFECT SUCH ACQUISITION (EACH OF THE FOREGOING, A
“PLAN INVESTOR”) UNLESS THE CERTIFICATE REGISTRAR IS PROVIDED WITH EITHER (I) A CERTIFICATION PURSUANT TO SECTION 3.03(d)(i)
OF THE AGREEMENT OR (II) AN OPINION OF COUNSEL ACCEPTABLE TO AND IN FORM AND SUBSTANCE SATISFACTORY TO THE CERTIFICATE REGISTRAR
TO THE EFFECT THAT THE PURCHASE OR HOLDING OF THIS CERTIFICATE IS PERMISSIBLE UNDER APPLICABLE LAW, WILL NOT CONSTITUTE OR RESULT
IN ANY NON-EXEMPT PROHIBITED TRANSACTION UNDER SECTION 406 OF ERISA OR SECTION 4975 OF THE CODE (OR COMPARABLE PROVISIONS OF ANY
SUBSEQUENT ENACTMENTS), AND WILL NOT SUBJECT THE CERTIFICATE REGISTRAR, THE TRUSTEE OR THE DEPOSITOR TO ANY OBLIGATION OR LIABILITY
(INCLUDING OBLIGATIONS OR LIABILITIES UNDER ERISA OR SECTION 4975 OF THE CODE) IN ADDITION TO THOSE UNDERTAKEN IN THE AGREEMENT,
WHICH OPINION OF COUNSEL SHALL NOT BE AN EXPENSE OF THE TRUST FUND, THE CERTIFICATE REGISTRAR, THE TRUSTEE OR THE DEPOSITOR. EACH
INVESTOR IN THIS CERTIFICATE WILL BE DEEMED TO REPRESENT THAT IT IS IN COMPLIANCE WITH THE FOREGOING AND WILL BE FURTHER DEEMED
TO REPRESENT, WARRANT AND COVENANT THAT IT WILL NOT SELL, PLEDGE OR OTHERWISE TRANSFER SUCH ERISA-RESTRICTED CERTIFICATE IN VIOLATION
OF THE FOREGOING.

 

    	 

    	 

    

 

ANY PURPORTED CERTIFICATE OWNER WHOSE ACQUISITION
OR HOLDING OF THIS CERTIFICATE (OR INTEREST THEREIN) WAS EFFECTED IN VIOLATION OF THE RESTRICTIONS IN SECTION 3.03 OF THE AGREEMENT
SHALL INDEMNIFY AND HOLD HARMLESS THE CERTIFICATE REGISTRAR, THE DEPOSITOR, THE TRUSTEE AND THE TRUST FUND FROM AND AGAINST ANY
AND ALL LIABILITIES, CLAIMS, COSTS OR EXPENSES INCURRED BY SUCH PARTIES AS A RESULT OF SUCH ACQUISITION OR HOLDING.

 

SEQUOIA MORTGAGE TRUST 2013-1

MORTGAGE PASS-THROUGH CERTIFICATES, CLASS
B-2

 

Evidencing a beneficial interest in a pool of residential
mortgage loans and any other assets established by

 

SEQUOIA RESIDENTIAL FUNDING, INC.

 

	Initial Class Principal	Initial Certificate
	Amount of the Class B-2	Principal Amount of this
	Certificates: $6,764,000	Certificates: $6,764,000
	 	 
	Certificate Interest Rate: Adjustable	Cut-off Date: January 1, 2013
	 	 
	Final Scheduled Distribution	 
	Date: February 2043	 
	 	 
	NUMBER 1	CUSIP:   81744W AF7

 

    	2

    	 

    

 

THIS CERTIFIES THAT
CEDE & CO. is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the initial
Certificate Principal Amount of this Certificate by the initial Class Principal Amount of all Class B-2 Certificates, both as specified
above) in a Trust Fund, the assets of which consist of the Mortgage Loans and all interest and principal received thereon after
the Cut-off Date (other than Scheduled Payments due on or prior to the Cut-off Date), the rights of the Seller and the Depositor
assigned to the Trustee under each Purchase Agreement, each Servicing Agreement, the Mortgage Loan Purchase and Sale Agreement,
the Insurance Policies relating to the Mortgage Loans, all cash, instruments or property held or required to be held in the Custodial
Accounts and the Distribution Account and property that secured a Mortgage Loan; and certain other assets, if any, as described
in the Pooling and Servicing Agreement (the foregoing assets hereinafter collectively referred to as the “Trust Fund”).

 

Distributions on this
Certificate will be made on the 25th day of each month or, if such day is not a Business Day, then on the succeeding Business Day,
commencing in February 2013 (each, a “Distribution Date”), to the Person in whose name this Certificate is registered
at the close of business on the last Business Day preceding such Distribution Date (the “Record Date”), in an amount
equal to the product of the Percentage Interest evidenced by this Certificate and the amount, if any, required to be distributed
to all Certificates of the Class represented by this Certificate. All sums distributable on this Certificate are payable in the
coin or currency of the United States of America which at the time of payment is legal tender for the payment of public and private
debts.

 

Reference is hereby
made to the further provisions of this Certificate set forth on the reverse hereof, which shall have the same effect as though
fully set forth on the face of this Certificate.

 

Unless the certificate
of authentication hereon has been executed by or on behalf of the Authenticating Agent, whose name appears below by manual signature,
this Certificate shall not be entitled to any benefit under the Pooling and Servicing Agreement or be valid for any purpose.

 

    	3

    	 

    

 

IN WITNESS WHEREOF,
Christiana Trust, a division of Wilmington Savings Fund Society, FSB, as Trustee, has caused this Certificate to be duly executed.

 

 

	 	CHRISTIANA TRUST, A DIVISION OF WILMINGTON SAVINGS FUND SOCIETY, FSB,
	 	 	as Trustee
	 	 	 
	 	By: 	 	 
	 	 	AUTHORIZED SIGNATORY
	 	 	 
	 	Dated:	 	 

 

CERTIFICATE AUTHENTICATION

 

This is one of the
Certificates referred to in the within-mentioned Pooling and Servicing Agreement.

 

	 	WELLS FARGO BANK, N.A.,
	 	 	as Authenticating Agent
	 	 	 
	 	By: 	 	 
	 	 	AUTHORIZED SIGNATORY
	 	 	 
	 	Dated:	 	 

 

    	4

    	 

    

 

SEQUOIA MORTGAGE TRUST 2013-1

MORTGAGE PASS-THROUGH CERTIFICATE

 

This Certificate is
one of a duly authorized issue of certificates designated as Sequoia Mortgage Trust 2013-1 Mortgage Pass-Through Certificates (the
“Certificates”), representing all or part of a beneficial ownership interest in a Trust Fund established pursuant to
a Pooling and Servicing Agreement, dated as of January 1, 2013 (the “Pooling and Servicing Agreement”), among Sequoia
Residential Funding, Inc., as depositor (the “Depositor”), Wells Fargo Bank, N.A., as master servicer (in such capacity,
the “Master Servicer”) and as securities administrator (in such capacity, the “Securities Administrator”)
and Christiana Trust, a division of Wilmington Savings Fund Society, FSB, as trustee (the “Trustee”), to which terms,
provisions and conditions thereof the Holder of this Certificate by virtue of the acceptance hereof assents, and by which such
Holder is bound. Except as otherwise defined herein, all capitalized terms used herein shall have the meanings ascribed to them
in the Pooling and Servicing Agreement. The Certificates consist of the following Classes: Class 1-A1, Class 1-AX, Class 2-A1,
Class 2-AX, Class R, Class LT-R, Class B-1, Class B-2, Class B-3, Class B-4, and Class B-5.

 

On each Distribution
Date, the Paying Agent, on behalf of the Trustee, will make distributions from the Distribution Account to the Holders of Certificates
according to the terms of the Pooling and Servicing Agreement. All distributions or allocations made with respect to each Class
of Certificates on each Distribution Date shall be allocated among the outstanding Certificates of such Class based on the Certificate
Principal Amount (or Certificate Notional Amount) of each such Certificate.

 

Distributions on this
Certificate will be made by check mailed to the Holder of record of this Certificate on the immediately preceding Record Date at
the address of such Holder as it appears on the Certificate Register or, upon written request made to the Securities Administrator
at least five Business Days prior to the related Record Date, by any Certificateholder owning an aggregate initial Certificate
Principal Amount (or Certificate Notional Amount) of at least $1,000,000 or, in the case of any Residual Certificate, a Percentage
Interest of 100%, by wire transfer in immediately available funds to an account specified in such request and at the expense of
such Certificateholder requesting such wire transfer by deducting a wire transfer fee from the related distribution; provided,
however, that the final distribution in respect of any Certificate shall be made only upon presentation and surrender of such Certificate
at the Corporate Trust Office (as defined below); provided, further, that the foregoing provisions shall not apply to any Certificate
as long as such Certificate remains a Book-Entry Certificate, in which case all payments made shall be made through the Clearing
Agency and its Clearing Agency Participants. Notwithstanding such final payment of principal of any of the Certificates, each Residual
Certificate will remain outstanding until the termination of the related REMIC or REMICs and the payment in full of all other amounts
due with respect to the Residual Certificates and at such time such final payment in retirement of any Residual Certificate will
be made only upon presentation and surrender of such Certificate at the Corporate Trust Office.

 

The Corporate Trust
Office with respect to the presentment and surrender of Certificates for the final distribution thereon is the corporate trust
office of the Certificate Registrar at Sixth Street and Marquette Avenue, Minneapolis, Minnesota 55479, Attention: Corporate Trust
Services — Sequoia Mortgage Trust 2013-1 or at such other address as the Securities Administrator may designate from time
to time.

 

    	5

    	 

    

 

The Pooling and Servicing
Agreement may be amended by the Trustee, the Master Servicer, the Securities Administrator, and the Depositor with the consent
of the Holders of not less than 66-2/3% of the Class Principal Amount or Class Notional Amount (or Percentage Interest) 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 the Pooling and Servicing Agreement or of modifying in any manner the rights of the Holders; provided, however,
that no such amendment shall be made unless the Trustee and the Securities Administrator receive an Opinion of Counsel, at the
expense of the party requesting the change, that such change will not cause an Adverse REMIC Event; and provided further, that
no such amendment may (i) reduce in any manner the amount of, or delay the timing of, payments received on Mortgage Loans which
are required to be distributed on any Certificate, without the consent of the Holder of such Certificate or (ii) reduce the aforesaid
percentages of Class Principal Amount or Class Notional Amount (or Percentage Interest) of Certificates of each Class, the Holders
of which are required to consent to any such amendment without the consent of the Holders of 100% of the Class Principal Amount
or Class Notional Amount (or Percentage Interest) of each Class of Certificates affected thereby.  For purposes of this
paragraph, references to “Holder” or “Holders” shall be deemed to include, in the case of any Class of
Book-Entry Certificates, the related Certificate Owners. Any consent by the Holder of this Certificate
will be conclusive and binding upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof
or in exchange herefor or in lieu hereof whether or not consent is made with respect to such Certificate. The Pooling and Servicing
Agreement also permits the amendment thereof in certain limited circumstances without the consent of the Holders.

 

As provided in the
Pooling and Servicing Agreement and subject to certain limitations therein set forth, the transfer of this Certificate is registerable
in the Certificate Register upon surrender of this Certificate for registration of transfer at the Corporate Trust Office, duly
endorsed by, or accompanied by a written instrument of transfer in form satisfactory to, the Certificate Registrar duly executed
by the Holder thereof or such Holder’s attorney duly authorized in writing, and thereupon one or more new Certificates of
the same Class of authorized denominations evidencing the same initial Certificate Principal Amount (or Notional Amount) will be
issued to the designated transferee or transferees. As provided in the Pooling and Servicing Agreement and subject to certain limitations
therein set forth, this Certificate is exchangeable for new Certificates of the same Class evidencing the same aggregate initial
Certificate Principal Amount (or Notional Amount) as requested by the Holder surrendering the same. No service charge will be made
for any such registration of transfer or exchange, but 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 exchange of Certificates.

 

    	6

    	 

    

 

The Class 1-A1, Class
2-A1, Class B-1, Class B-2, Class B-3, Class B-4, and Class B-5 Certificates are issuable only in registered
form in minimum denominations of $100,000 in initial Certificate Principal Amount and the Class 1-AX and Class 2-AX Certificates
are issuable only in registered form in minimum denominations of $1,000,000 in initial Certificate Notional Amount, in each case,
in integral multiples of $1 in excess thereof and, in the case of the Class 1-A1, Class 1-AX, Class 2-A1, Class 2-AX, Class B-1,
Class B-2 and Class B-3 Certificates, will be registered in the name of the nominee of the Clearing Agency, which shall maintain
such Certificates through its book-entry facilities and, in the case of the Class B-4 and Class B-5 Certificates, will be maintained
in physical form. The Class R and Class LT-R Certificates will each be issued as a single Certificate representing the entire Percentage
Interest in that Class and will be maintained in physical form. The Certificates shall remain outstanding until the final Distribution
Date for the Certificates.

 

On any date on which
the Aggregate Stated Principal Balance of the Mortgage Loans has declined to less than 10% of the initial Aggregate Stated Principal
Balance of the Mortgage Loans as of the Cut-off Date, subject to satisfaction of the conditions described in the Pooling and Servicing
Agreement, the Master Servicer may purchase all of the Mortgage Loans from the Trust Fund, thereby causing an early retirement
of the Certificates.

 

In no event will the
trust created by the Pooling and Servicing Agreement continue beyond the expiration of 21 years from the death of the last survivor
of the descendants living at the date of the Pooling and Servicing Agreement of a certain person named in the Pooling and Servicing
Agreement.

 

The Depositor, the
Trustee, the Securities Administrator, the Master Servicer, the Certificate Registrar and any agent of any of them may treat the
Person in whose name this Certificate is registered as the owner hereof for all purposes, and none of the Depositor, the Trustee,
the Securities Administrator, the Master Servicer, the Certificate Registrar or any such agent shall be affected by any notice
to the contrary.

 

As provided in the
Pooling and Servicing Agreement, this Certificate and the Pooling and Servicing Agreement shall be construed in accordance with
and governed by the laws of the State of New York without regard to the conflict of laws principles applied in the State of New
York. In the event of any conflict between the provisions of this Certificate and the Pooling and Servicing Agreement, the Pooling
and Servicing Agreement shall be controlling.

 

    	7

    	 

    

 

ASSIGNMENT

 

FOR VALUE RECEIVED, the undersigned hereby sell(s) and assign(s)
and transfer(s) unto

 

	 
	 
	 

(Please print or type name and address, including postal zip
code, of assignee and social security number or employer identification number)

 

	 

the within Certificate stating in the names of the undersigned
in the Certificate Register and does hereby irrevocably constitute and appoint

 

	 

to transfer such Certificate in such Certificate Register.

 

I [we] further direct the Certificate Registrar
to issue a new Certificate of the same Class of like principal to the above-named assignee and deliver such Certificate to the
following address:

 

	 
	 
	 

 

	Dated:	 	 	 
	 	 	Signature by or on behalf of Assignor
	 	 	 
	 	 	 
	Authorized Officer	 	Signature Guaranteed
	 	 	 
	 	 	 
	Name of Institution	 	NOTICE: The signature(s) of this assignment must correspond with the name(s) on the face of this Certificate without alteration or any change whatsoever.  The signature must be guaranteed by a participant in the Securities Transfer Agents Medallion Program, the New York Stock Exchange Medallion Signature Program or the Stock Exchanges Medallion Program.  Notarized or witnessed signatures are not acceptable as guaranteed signatures.

 

    	 

    	 

    

 

DISTRIBUTION
INSTRUCTIONS

 

The assignee should
include the following for the information of the Certificate Registrar. Distributions shall be made by wire transfer in immediately
available funds to

 

	 

 

for the account of _____________________________________________________________________________________

 

account number _______________________
or, if mailed by check, to ___________________________________________

 

	 

 

Applicable reports and statements should
be mailed to _______________________________________________________

 

	 

 

This information is
provided by _________________________________________________________________

 

the assignee named above, or ______________________________________
as its agent.

 

    	 

    	 

    

 

THIS CERTIFICATE IS A REMIC REGULAR INTEREST
CERTIFICATE. THIS CERTIFICATE DOES NOT EVIDENCE AN OBLIGATION OF, OR AN INTEREST IN, AND IS NOT GUARANTEED BY, THE DEPOSITOR, THE
TRUSTEE, THE SECURITIES ADMINISTRATOR, THE MASTER SERVICER OR ANY AFFILIATE OF ANY OF THEM AND IS NOT INSURED OR GUARANTEED BY
ANY GOVERNMENTAL AGENCY OR PRIVATE INSURER.

 

DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE
PRINCIPAL AMOUNT OF THIS CERTIFICATE MAY BE MADE IN INSTALLMENTS AS SET FORTH HEREIN. ACCORDINGLY, THE CERTIFICATE PRINCIPAL AMOUNT
OF THIS CERTIFICATE AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ON THE FACE HEREOF.

 

THIS CERTIFICATE IS SUBORDINATE IN RIGHT
OF PAYMENT AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN.

 

UNLESS THIS CERTIFICATE IS PRESENTED BY
AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION (“DTC”), TO THE 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.

 

NO TRANSFER OF THIS CERTIFICATE OR ANY
INTEREST THEREIN SHALL BE MADE TO ANY EMPLOYEE BENEFIT PLAN OR OTHER PLAN OR ARRANGEMENT SUBJECT TO THE PROHIBITED TRANSACTION
PROVISIONS OF THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED (“ERISA”), OR SECTION 4975 OF THE CODE,
OR ANY PERSON (INCLUDING AN INSURANCE COMPANY INVESTING ITS GENERAL ACCOUNT, AN INVESTMENT MANAGER, A NAMED FIDUCIARY OR A TRUSTEE
OF ANY SUCH PLAN) WHO IS USING “PLAN ASSETS” OF ANY SUCH PLAN TO EFFECT SUCH ACQUISITION (EACH OF THE FOREGOING, A
“PLAN INVESTOR”) UNLESS THE CERTIFICATE REGISTRAR IS PROVIDED WITH EITHER (I) A CERTIFICATION PURSUANT TO SECTION 3.03(d)(i)
OF THE AGREEMENT OR (II) AN OPINION OF COUNSEL ACCEPTABLE TO AND IN FORM AND SUBSTANCE SATISFACTORY TO THE CERTIFICATE REGISTRAR
TO THE EFFECT THAT THE PURCHASE OR HOLDING OF THIS CERTIFICATE IS PERMISSIBLE UNDER APPLICABLE LAW, WILL NOT CONSTITUTE OR RESULT
IN ANY NON-EXEMPT PROHIBITED TRANSACTION UNDER SECTION 406 OF ERISA OR SECTION 4975 OF THE CODE (OR COMPARABLE PROVISIONS OF ANY
SUBSEQUENT ENACTMENTS), AND WILL NOT SUBJECT THE CERTIFICATE REGISTRAR, THE TRUSTEE OR THE DEPOSITOR TO ANY OBLIGATION OR LIABILITY
(INCLUDING OBLIGATIONS OR LIABILITIES UNDER ERISA OR SECTION 4975 OF THE CODE) IN ADDITION TO THOSE UNDERTAKEN IN THE AGREEMENT,
WHICH OPINION OF COUNSEL SHALL NOT BE AN EXPENSE OF THE TRUST FUND, THE CERTIFICATE REGISTRAR, THE TRUSTEE OR THE DEPOSITOR. EACH
INVESTOR IN THIS CERTIFICATE WILL BE DEEMED TO REPRESENT THAT IT IS IN COMPLIANCE WITH THE FOREGOING AND WILL BE FURTHER DEEMED
TO REPRESENT, WARRANT AND COVENANT THAT IT WILL NOT SELL, PLEDGE OR OTHERWISE TRANSFER SUCH ERISA-RESTRICTED CERTIFICATE IN VIOLATION
OF THE FOREGOING.

 

    	 

    	 

    

 

ANY PURPORTED CERTIFICATE OWNER WHOSE ACQUISITION
OR HOLDING OF THIS CERTIFICATE (OR INTEREST THEREIN) WAS EFFECTED IN VIOLATION OF THE RESTRICTIONS IN SECTION 3.03 OF THE AGREEMENT
SHALL INDEMNIFY AND HOLD HARMLESS THE CERTIFICATE REGISTRAR, THE DEPOSITOR, THE TRUSTEE AND THE TRUST FUND FROM AND AGAINST ANY
AND ALL LIABILITIES, CLAIMS, COSTS OR EXPENSES INCURRED BY SUCH PARTIES AS A RESULT OF SUCH ACQUISITION OR HOLDING.

 

SEQUOIA MORTGAGE TRUST 2013-1

MORTGAGE PASS-THROUGH CERTIFICATES, CLASS
B-3

 

Evidencing a beneficial interest in a pool of residential
mortgage loans and any other assets established by

 

SEQUOIA RESIDENTIAL FUNDING, INC.

 

	
        Initial Class Principal

        Amount of the Class B-3

        Certificates: $4,576,000

         

        Certificate Interest Rate: Adjustable

         

        Final Scheduled Distribution

        Date: February 2043

         

        NUMBER 1
	
        Initial Certificate

        Principal Amount of this

        Certificates: $4,576,000

         

        Cut-off Date: January 1, 2013

         

         

 

 

CUSIP: 81744W AG5

 

    	2

    	 

    

 

THIS CERTIFIES THAT
CEDE & CO. is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the initial
Certificate Principal Amount of this Certificate by the initial Class Principal Amount of all Class B-3 Certificates, both as specified
above) in a Trust Fund, the assets of which consist of the Mortgage Loans and all interest and principal received thereon after
the Cut-off Date (other than Scheduled Payments due on or prior to the Cut-off Date), the rights of the Seller and the Depositor
assigned to the Trustee under each Purchase Agreement, each Servicing Agreement, the Mortgage Loan Purchase and Sale Agreement,
the Insurance Policies relating to the Mortgage Loans, all cash, instruments or property held or required to be held in the Custodial
Accounts and the Distribution Account and property that secured a Mortgage Loan; and certain other assets, if any, as described
in the Pooling and Servicing Agreement (the foregoing assets hereinafter collectively referred to as the “Trust Fund”).

 

Distributions on this
Certificate will be made on the 25th day of each month or, if such day is not a Business Day, then on the succeeding Business Day,
commencing in February 2013 (each, a “Distribution Date”), to the Person in whose name this Certificate is registered
at the close of business on the last Business Day preceding such Distribution Date (the “Record Date”), in an amount
equal to the product of the Percentage Interest evidenced by this Certificate and the amount, if any, required to be distributed
to all Certificates of the Class represented by this Certificate. All sums distributable on this Certificate are payable in the
coin or currency of the United States of America which at the time of payment is legal tender for the payment of public and private
debts.

 

Reference is hereby
made to the further provisions of this Certificate set forth on the reverse hereof, which shall have the same effect as though
fully set forth on the face of this Certificate.

 

Unless the certificate
of authentication hereon has been executed by or on behalf of the Authenticating Agent, whose name appears below by manual signature,
this Certificate shall not be entitled to any benefit under the Pooling and Servicing Agreement or be valid for any purpose.

 

    	3

    	 

    
 

IN WITNESS WHEREOF,
Christiana Trust, a division of Wilmington Savings Fund Society, FSB, as Trustee, has caused this Certificate to be duly executed.

 

	 	CHRISTIANA TRUST, A DIVISION OF WILMINGTON SAVINGS FUND SOCIETY, FSB,
	 	 	as Trustee
	 	 	 
	 	By: 	 	 
	 	 	AUTHORIZED SIGNATORY
	 	 	 
	 	Dated:	 	 

 

CERTIFICATE AUTHENTICATION

 

This is one of the
Certificates referred to in the within-mentioned Pooling and Servicing Agreement.

 

	 	WELLS FARGO BANK, N.A.,
	 	 	as Authenticating Agent
	 	 	 
	 	By: 	 	 
	 	 	AUTHORIZED SIGNATORY
	 	 	 
	 	Dated:	 	 

 

    	4

    	 

    

SEQUOIA MORTGAGE TRUST 2013-1

MORTGAGE PASS-THROUGH CERTIFICATE

 

This Certificate is
one of a duly authorized issue of certificates designated as Sequoia Mortgage Trust 2013-1 Mortgage Pass-Through Certificates (the
“Certificates”), representing all or part of a beneficial ownership interest in a Trust Fund established pursuant to
a Pooling and Servicing Agreement, dated as of January 1, 2013 (the “Pooling and Servicing Agreement”), among Sequoia
Residential Funding, Inc., as depositor (the “Depositor”), Wells Fargo Bank, N.A., as master servicer (in such capacity,
the “Master Servicer”) and as securities administrator (in such capacity, the “Securities Administrator”)
and Christiana Trust, a division of Wilmington Savings Fund Society, FSB, as trustee (the “Trustee”), to which terms,
provisions and conditions thereof the Holder of this Certificate by virtue of the acceptance hereof assents, and by which such
Holder is bound. Except as otherwise defined herein, all capitalized terms used herein shall have the meanings ascribed to them
in the Pooling and Servicing Agreement. The Certificates consist of the following Classes: Class 1-A1, Class 1-AX, Class 2-A1,
Class 2-AX, Class R, Class LT-R, Class B-1, Class B-2, Class B-3, Class B-4, and Class B-5.

 

On each Distribution
Date, the Paying Agent, on behalf of the Trustee, will make distributions from the Distribution Account to the Holders of Certificates
according to the terms of the Pooling and Servicing Agreement. All distributions or allocations made with respect to each Class
of Certificates on each Distribution Date shall be allocated among the outstanding Certificates of such Class based on the Certificate
Principal Amount (or Certificate Notional Amount) of each such Certificate.

 

Distributions on this
Certificate will be made by check mailed to the Holder of record of this Certificate on the immediately preceding Record Date at
the address of such Holder as it appears on the Certificate Register or, upon written request made to the Securities Administrator
at least five Business Days prior to the related Record Date, by any Certificateholder owning an aggregate initial Certificate
Principal Amount (or Certificate Notional Amount) of at least $1,000,000 or, in the case of any Residual Certificate, a Percentage
Interest of 100%, by wire transfer in immediately available funds to an account specified in such request and at the expense of
such Certificateholder requesting such wire transfer by deducting a wire transfer fee from the related distribution; provided,
however, that the final distribution in respect of any Certificate shall be made only upon presentation and surrender of such Certificate
at the Corporate Trust Office (as defined below); provided, further, that the foregoing provisions shall not apply to any Certificate
as long as such Certificate remains a Book-Entry Certificate, in which case all payments made shall be made through the Clearing
Agency and its Clearing Agency Participants. Notwithstanding such final payment of principal of any of the Certificates, each Residual
Certificate will remain outstanding until the termination of the related REMIC or REMICs and the payment in full of all other amounts
due with respect to the Residual Certificates and at such time such final payment in retirement of any Residual Certificate will
be made only upon presentation and surrender of such Certificate at the Corporate Trust Office.

 

The Corporate Trust
Office with respect to the presentment and surrender of Certificates for the final distribution thereon is the corporate trust
office of the Certificate Registrar at Sixth Street and Marquette Avenue, Minneapolis, Minnesota 55479, Attention: Corporate Trust
Services — Sequoia Mortgage Trust 2013-1 or at such other address as the Securities Administrator may designate from time
to time.

 

    	5

    	 

    

 

The Pooling and Servicing
Agreement may be amended by the Trustee, the Master Servicer, the Securities Administrator, and the Depositor with the consent
of the Holders of not less than 66-2/3% of the Class Principal Amount or Class Notional Amount (or Percentage Interest) 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 the Pooling and Servicing Agreement or of modifying in any manner the rights of the Holders; provided, however,
that no such amendment shall be made unless the Trustee and the Securities Administrator receive an Opinion of Counsel, at the
expense of the party requesting the change, that such change will not cause an Adverse REMIC Event; and provided further, that
no such amendment may (i) reduce in any manner the amount of, or delay the timing of, payments received on Mortgage Loans which
are required to be distributed on any Certificate, without the consent of the Holder of such Certificate or (ii) reduce the aforesaid
percentages of Class Principal Amount or Class Notional Amount (or Percentage Interest) of Certificates of each Class, the Holders
of which are required to consent to any such amendment without the consent of the Holders of 100% of the Class Principal Amount
or Class Notional Amount (or Percentage Interest) of each Class of Certificates affected thereby.  For purposes of this
paragraph, references to “Holder” or “Holders” shall be deemed to include, in the case of any Class of
Book-Entry Certificates, the related Certificate Owners. Any consent by the Holder of this Certificate
will be conclusive and binding upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof
or in exchange herefor or in lieu hereof whether or not consent is made with respect to such Certificate. The Pooling and Servicing
Agreement also permits the amendment thereof in certain limited circumstances without the consent of the Holders.

 

As provided in the
Pooling and Servicing Agreement and subject to certain limitations therein set forth, the transfer of this Certificate is registerable
in the Certificate Register upon surrender of this Certificate for registration of transfer at the Corporate Trust Office, duly
endorsed by, or accompanied by a written instrument of transfer in form satisfactory to, the Certificate Registrar duly executed
by the Holder thereof or such Holder’s attorney duly authorized in writing, and thereupon one or more new Certificates of
the same Class of authorized denominations evidencing the same initial Certificate Principal Amount (or Notional Amount) will be
issued to the designated transferee or transferees. As provided in the Pooling and Servicing Agreement and subject to certain limitations
therein set forth, this Certificate is exchangeable for new Certificates of the same Class evidencing the same aggregate initial
Certificate Principal Amount (or Notional Amount) as requested by the Holder surrendering the same. No service charge will be made
for any such registration of transfer or exchange, but 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 exchange of Certificates.

 

The Class 1-A1, Class
2-A1, Class B-1, Class B-2, Class B-3, Class B-4, and Class B-5 Certificates are issuable only in registered
form in minimum denominations of $100,000 in initial Certificate Principal Amount and the Class 1-AX and Class 2-AX Certificates
are issuable only in registered form in minimum denominations of $1,000,000 in initial Certificate Notional Amount, in each case,
in integral multiples of $1 in excess thereof and, in the case of the Class 1-A1, Class 1-AX, Class 2-A1, Class 2-AX, Class B-1,
Class B-2 and Class B-3 Certificates, will be registered in the name of the nominee of the Clearing Agency, which shall maintain
such Certificates through its book-entry facilities and, in the case of the Class B-4 and Class B-5 Certificates, will be maintained
in physical form. The Class R and Class LT-R Certificates will each be issued as a single Certificate representing the entire Percentage
Interest in that Class and will be maintained in physical form. The Certificates shall remain outstanding until the final Distribution
Date for the Certificates.

 

    	6

    	 

    

 

On any date on which
the Aggregate Stated Principal Balance of the Mortgage Loans has declined to less than 10% of the initial Aggregate Stated Principal
Balance of the Mortgage Loans as of the Cut-off Date, subject to satisfaction of the conditions described in the Pooling and Servicing
Agreement, the Master Servicer may purchase all of the Mortgage Loans from the Trust Fund, thereby causing an early retirement
of the Certificates.

 

In no event will the
trust created by the Pooling and Servicing Agreement continue beyond the expiration of 21 years from the death of the last survivor
of the descendants living at the date of the Pooling and Servicing Agreement of a certain person named in the Pooling and Servicing
Agreement.

 

The Depositor, the
Trustee, the Securities Administrator, the Master Servicer, the Certificate Registrar and any agent of any of them may treat the
Person in whose name this Certificate is registered as the owner hereof for all purposes, and none of the Depositor, the Trustee,
the Securities Administrator, the Master Servicer, the Certificate Registrar or any such agent shall be affected by any notice
to the contrary.

 

As provided in the
Pooling and Servicing Agreement, this Certificate and the Pooling and Servicing Agreement shall be construed in accordance with
and governed by the laws of the State of New York without regard to the conflict of laws principles applied in the State of New
York. In the event of any conflict between the provisions of this Certificate and the Pooling and Servicing Agreement, the Pooling
and Servicing Agreement shall be controlling.

 

    	7

    	 

    

 

ASSIGNMENT

 

FOR VALUE RECEIVED, the undersigned hereby sell(s) and assign(s)
and transfer(s) unto

 

	 
	 
	 

(Please print or type name and address, including postal zip
code, of assignee and social security number or employer identification number)

 

	 

the within Certificate stating in the names of the undersigned
in the Certificate Register and does hereby irrevocably constitute and appoint

 

	 

to transfer such Certificate in such Certificate Register.

 

I [we] further direct the Certificate Registrar
to issue a new Certificate of the same Class of like principal to the above-named assignee and deliver such Certificate to the
following address:

 

	 
	 
	 

 

	Dated:	 	 	 
	 	 	Signature by or on behalf of Assignor
	 	 	 
	 	 	 
	Authorized Officer	 	Signature Guaranteed
	 	 	 
	 	 	 
	Name of Institution	 	NOTICE: The signature(s) of this assignment must correspond with the name(s) on the face of this Certificate without alteration or any change whatsoever.  The signature must be guaranteed by a participant in the Securities Transfer Agents Medallion Program, the New York Stock Exchange Medallion Signature Program or the Stock Exchanges Medallion Program.  Notarized or witnessed signatures are not acceptable as guaranteed signatures.

 

    	 

    	 

    

 

DISTRIBUTION
INSTRUCTIONS

 

The assignee should
include the following for the information of the Certificate Registrar. Distributions shall be made by wire transfer in immediately
available funds to

 

	 

 

for the account of _____________________________________________________________________________________

 

account number _______________________
or, if mailed by check, to ___________________________________________

 

	 

 

Applicable reports and statements should
be mailed to _______________________________________________________

 

	 

 

This information is
provided by _________________________________________________________________

 

the assignee named above, or ______________________________________
as its agent.

  

    	 

    	 

    

 

THIS CERTIFICATE IS A REMIC REGULAR INTEREST
CERTIFICATE. THIS CERTIFICATE DOES NOT EVIDENCE AN OBLIGATION OF, OR AN INTEREST IN, AND IS NOT GUARANTEED BY, THE DEPOSITOR, THE
TRUSTEE, THE SECURITIES ADMINISTRATOR, THE MASTER SERVICER OR ANY AFFILIATE OF ANY OF THEM AND IS NOT INSURED OR GUARANTEED BY
ANY GOVERNMENTAL AGENCY OR PRIVATE INSURER.

 

DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE
PRINCIPAL AMOUNT OF THIS CERTIFICATE MAY BE MADE IN INSTALLMENTS AS SET FORTH HEREIN. ACCORDINGLY, THE CERTIFICATE PRINCIPAL AMOUNT
OF THIS CERTIFICATE AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ON THE FACE HEREOF.

 

THIS CERTIFICATE IS SUBORDINATE IN RIGHT
OF PAYMENT AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN.

 

THIS CERTIFICATE HAS NOT BEEN REGISTERED
UNDER THE SECURITIES ACT OF 1933, AS AMENDED (THE "1933 ACT"), OR ANY STATE SECURITIES LAWS. NEITHER THIS CERTIFICATE
NOR ANY INTEREST OR PARTICIPATION HEREIN MAY BE REOFFERED, SOLD, ASSIGNED, TRANSFERRED, PLEDGED, ENCUMBERED OR OTHERWISE DISPOSED
OF IN THE ABSENCE OF SUCH REGISTRATION, UNLESS SUCH TRANSACTION IS EXEMPT FROM, OR NOT SUBJECT TO, REGISTRATION.

 

THE HOLDER OF THIS CERTIFICATE BY ITS ACCEPTANCE
HEREOF AGREES TO OFFER, SELL OR OTHERWISE TRANSFER SUCH CERTIFICATE ONLY (A) PURSUANT TO A REGISTRATION STATEMENT WHICH HAS BEEN
DECLARED EFFECTIVE UNDER THE 1933 ACT, (B) TO PERSON IT REASONABLY BELIEVES IS A "QUALIFIED INSTITUTIONAL BUYER" AS DEFINED
IN RULE 144A UNDER THE 1933 ACT THAT PURCHASES FOR ITS OWN ACCOUNT OR FOR THE ACCOUNT OF A QUALIFIED INSTITUTIONAL BUYER TO WHOM
NOTICE IS GIVEN THAT THE TRANSFER IS BEING MADE IN RELIANCE ON RULE 144A, OR (C) TO AN INSTITUTIONAL "ACCREDITED INVESTOR"
WITHIN THE MEANING OF SUBPARAGRAPH (A)(1), (2), (3) OR (7) OF RULE 501 UNDER THE 1933 ACT THAT IS ACQUIRING THE CERTIFICATE FOR
ITS OWN ACCOUNT, OR FOR THE ACCOUNT OF SUCH AN INSTITUTIONAL "ACCREDITED INVESTOR," FOR INVESTMENT PURPOSES AND NOT WITH
A VIEW TO, OR FOR OFFER OR SALE IN CONNECTION WITH, ANY DISTRIBUTION VIOLATION OF THE 1933 ACT, SUBJECT TO THE CERTIFICATE REGISTRAR'S
RIGHT PRIOR TO ANY SUCH OFFER, SALE OR TRANSFER TO REQUIRE THE DELIVERY OF A CERTIFICATE OF TRANSFER IN THE FORM APPEARING IN THE
POOLING AND SERVICING AGREEMENT.

 

    	 

    	 

    
 

NO TRANSFER OF THIS CERTIFICATE OR ANY
INTEREST THEREIN SHALL BE MADE TO ANY EMPLOYEE BENEFIT PLAN OR OTHER PLAN OR ARRANGEMENT SUBJECT TO THE PROHIBITED TRANSACTION
PROVISIONS OF THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED (“ERISA”), OR SECTION 4975 OF THE CODE,
OR ANY PERSON (INCLUDING AN INSURANCE COMPANY INVESTING ITS GENERAL ACCOUNT, AN INVESTMENT MANAGER, A NAMED FIDUCIARY OR A TRUSTEE
OF ANY SUCH PLAN) WHO IS USING “PLAN ASSETS” OF ANY SUCH PLAN TO EFFECT SUCH ACQUISITION (EACH OF THE FOREGOING, A
“PLAN INVESTOR”) UNLESS THE CERTIFICATE REGISTRAR IS PROVIDED WITH EITHER (I) A CERTIFICATION PURSUANT TO SECTION 3.03(d)(i)
OF THE AGREEMENT OR (II) AN OPINION OF COUNSEL ACCEPTABLE TO AND IN FORM AND SUBSTANCE SATISFACTORY TO THE CERTIFICATE REGISTRAR
TO THE EFFECT THAT THE PURCHASE OR HOLDING OF THIS CERTIFICATE IS PERMISSIBLE UNDER APPLICABLE LAW, WILL NOT CONSTITUTE OR RESULT
IN ANY NON-EXEMPT PROHIBITED TRANSACTION UNDER SECTION 406 OF ERISA OR SECTION 4975 OF THE CODE (OR COMPARABLE PROVISIONS OF ANY
SUBSEQUENT ENACTMENTS), AND WILL NOT SUBJECT THE CERTIFICATE REGISTRAR, THE TRUSTEE OR THE DEPOSITOR TO ANY OBLIGATION OR LIABILITY
(INCLUDING OBLIGATIONS OR LIABILITIES UNDER ERISA OR SECTION 4975 OF THE CODE) IN ADDITION TO THOSE UNDERTAKEN IN THE AGREEMENT,
WHICH OPINION OF COUNSEL SHALL NOT BE AN EXPENSE OF THE TRUST FUND, THE CERTIFICATE REGISTRAR, THE TRUSTEE OR THE DEPOSITOR. EACH
INVESTOR IN THIS CERTIFICATE WILL BE DEEMED TO REPRESENT THAT IT IS IN COMPLIANCE WITH THE FOREGOING AND WILL BE FURTHER DEEMED
TO REPRESENT, WARRANT AND COVENANT THAT IT WILL NOT SELL, PLEDGE OR OTHERWISE TRANSFER SUCH ERISA-RESTRICTED CERTIFICATE IN VIOLATION
OF THE FOREGOING.

  

ANY PURPORTED CERTIFICATE OWNER WHOSE ACQUISITION
OR HOLDING OF THIS CERTIFICATE (OR INTEREST THEREIN) WAS EFFECTED IN VIOLATION OF THE RESTRICTIONS IN SECTION 3.03 OF THE AGREEMENT
SHALL INDEMNIFY AND HOLD HARMLESS THE CERTIFICATE REGISTRAR, THE DEPOSITOR, THE TRUSTEE AND THE TRUST FUND FROM AND AGAINST ANY
AND ALL LIABILITIES, CLAIMS, COSTS OR EXPENSES INCURRED BY SUCH PARTIES AS A RESULT OF SUCH ACQUISITION OR HOLDING.

 

    	2

    	 

    

SEQUOIA MORTGAGE TRUST 2013-1

MORTGAGE PASS-THROUGH CERTIFICATES, CLASS
B-4

 

Evidencing a beneficial interest in a pool of residential
mortgage loans and any other assets established by

 

SEQUOIA RESIDENTIAL FUNDING, INC.

 

	
        Initial Class Principal

        Amount of the Class B-4

        Certificates: $3,382,000

         

        Certificate Interest Rate: Adjustable

         

        Final Scheduled Distribution

        Date: February 2043

         

        NUMBER 1
	
        Initial Certificate

        Principal Amount of this

        Certificates: $3,382,000

         

        Cut-off Date: January 1, 2013

         

         

 

 

CUSIP: 81744W AH3

 

    	3

    	 

    

 

THIS CERTIFIES THAT
NIMER & CO. is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the initial
Certificate Principal Amount of this Certificate by the initial Class Principal Amount of all Class B-4 Certificates, both as specified
above) in a Trust Fund, the assets of which consist of the Mortgage Loans and all interest and principal received thereon after
the Cut-off Date (other than Scheduled Payments due on or prior to the Cut-off Date), the rights of the Seller and the Depositor
assigned to the Trustee under each Purchase Agreement, each Servicing Agreement, the Mortgage Loan Purchase and Sale Agreement,
the Insurance Policies relating to the Mortgage Loans, all cash, instruments or property held or required to be held in the Custodial
Accounts and the Distribution Account and property that secured a Mortgage Loan; and certain other assets, if any, as described
in the Pooling and Servicing Agreement (the foregoing assets hereinafter collectively referred to as the “Trust Fund”).

 

Distributions on this
Certificate will be made on the 25th day of each month or, if such day is not a Business Day, then on the succeeding Business Day,
commencing in February 2013 (each, a “Distribution Date”), to the Person in whose name this Certificate is registered
at the close of business on the last Business Day preceding such Distribution Date (the “Record Date”), in an amount
equal to the product of the Percentage Interest evidenced by this Certificate and the amount, if any, required to be distributed
to all Certificates of the Class represented by this Certificate. All sums distributable on this Certificate are payable in the
coin or currency of the United States of America which at the time of payment is legal tender for the payment of public and private
debts.

 

Reference is hereby
made to the further provisions of this Certificate set forth on the reverse hereof, which shall have the same effect as though
fully set forth on the face of this Certificate.

 

Unless the certificate
of authentication hereon has been executed by or on behalf of the Authenticating Agent, whose name appears below by manual signature,
this Certificate shall not be entitled to any benefit under the Pooling and Servicing Agreement or be valid for any purpose.

 

    	4

    	 

    

 

IN WITNESS WHEREOF,
Christiana Trust, a division of Wilmington Savings Fund Society, FSB, as Trustee, has caused this Certificate to be duly executed.

 

	 	CHRISTIANA TRUST, A DIVISION OF WILMINGTON SAVINGS FUND SOCIETY, FSB,
	 	 	as Trustee
	 	 	 
	 	By: 	 	 
	 	 	AUTHORIZED SIGNATORY
	 	 	 
	 	Dated:	 	 

 

CERTIFICATE AUTHENTICATION

 

This is one of the
Certificates referred to in the within-mentioned Pooling and Servicing Agreement.

 

	 	WELLS FARGO BANK, N.A.,
	 	 	as Authenticating Agent
	 	 	 
	 	By: 	 	 
	 	 	AUTHORIZED SIGNATORY
	 	 	 
	 	Dated:	 	 

  

    	5

    	 

    

 

SEQUOIA MORTGAGE TRUST 2013-1

MORTGAGE PASS-THROUGH CERTIFICATE

 

This Certificate is
one of a duly authorized issue of certificates designated as Sequoia Mortgage Trust 2013-1 Mortgage Pass-Through Certificates (the
“Certificates”), representing all or part of a beneficial ownership interest in a Trust Fund established pursuant to
a Pooling and Servicing Agreement, dated as of January 1, 2013 (the “Pooling and Servicing Agreement”), among Sequoia
Residential Funding, Inc., as depositor (the “Depositor”), Wells Fargo Bank, N.A., as master servicer (in such capacity,
the “Master Servicer”) and as securities administrator (in such capacity, the “Securities Administrator”)
and Christiana Trust, a division of Wilmington Savings Fund Society, FSB, as trustee (the “Trustee”), to which terms,
provisions and conditions thereof the Holder of this Certificate by virtue of the acceptance hereof assents, and by which such
Holder is bound. Except as otherwise defined herein, all capitalized terms used herein shall have the meanings ascribed to them
in the Pooling and Servicing Agreement. The Certificates consist of the following Classes: Class 1-A1, Class 1-AX, Class 2-A1,
Class 2-AX, Class R, Class LT-R, Class B-1, Class B-2, Class B-3, Class B-4, and Class B-5.

 

On each Distribution
Date, the Paying Agent, on behalf of the Trustee, will make distributions from the Distribution Account to the Holders of Certificates
according to the terms of the Pooling and Servicing Agreement. All distributions or allocations made with respect to each Class
of Certificates on each Distribution Date shall be allocated among the outstanding Certificates of such Class based on the Certificate
Principal Amount (or Certificate Notional Amount) of each such Certificate.

 

Distributions on this
Certificate will be made by check mailed to the Holder of record of this Certificate on the immediately preceding Record Date at
the address of such Holder as it appears on the Certificate Register or, upon written request made to the Securities Administrator
at least five Business Days prior to the related Record Date, by any Certificateholder owning an aggregate initial Certificate
Principal Amount (or Certificate Notional Amount) of at least $1,000,000 or, in the case of any Residual Certificate, a Percentage
Interest of 100%, by wire transfer in immediately available funds to an account specified in such request and at the expense of
such Certificateholder requesting such wire transfer by deducting a wire transfer fee from the related distribution; provided,
however, that the final distribution in respect of any Certificate shall be made only upon presentation and surrender of such Certificate
at the Corporate Trust Office (as defined below); provided, further, that the foregoing provisions shall not apply to any Certificate
as long as such Certificate remains a Book-Entry Certificate, in which case all payments made shall be made through the Clearing
Agency and its Clearing Agency Participants. Notwithstanding such final payment of principal of any of the Certificates, each Residual
Certificate will remain outstanding until the termination of the related REMIC or REMICs and the payment in full of all other amounts
due with respect to the Residual Certificates and at such time such final payment in retirement of any Residual Certificate will
be made only upon presentation and surrender of such Certificate at the Corporate Trust Office.

 

The Corporate Trust
Office with respect to the presentment and surrender of Certificates for the final distribution thereon is the corporate trust
office of the Certificate Registrar at Sixth Street and Marquette Avenue, Minneapolis, Minnesota 55479, Attention: Corporate Trust
Services — Sequoia Mortgage Trust 2013-1 or at such other address as the Securities Administrator may designate from time
to time.

 

    	6

    	 

    

 

The Pooling and Servicing
Agreement may be amended by the Trustee, the Master Servicer, the Securities Administrator, and the Depositor with the consent
of the Holders of not less than 66-2/3% of the Class Principal Amount or Class Notional Amount (or Percentage Interest) 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 the Pooling and Servicing Agreement or of modifying in any manner the rights of the Holders; provided, however,
that no such amendment shall be made unless the Trustee and the Securities Administrator receive an Opinion of Counsel, at the
expense of the party requesting the change, that such change will not cause an Adverse REMIC Event; and provided further, that
no such amendment may (i) reduce in any manner the amount of, or delay the timing of, payments received on Mortgage Loans which
are required to be distributed on any Certificate, without the consent of the Holder of such Certificate or (ii) reduce the aforesaid
percentages of Class Principal Amount or Class Notional Amount (or Percentage Interest) of Certificates of each Class, the Holders
of which are required to consent to any such amendment without the consent of the Holders of 100% of the Class Principal Amount
or Class Notional Amount (or Percentage Interest) of each Class of Certificates affected thereby.  For purposes of this
paragraph, references to “Holder” or “Holders” shall be deemed to include, in the case of any Class of
Book-Entry Certificates, the related Certificate Owners. Any consent by the Holder of this Certificate
will be conclusive and binding upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof
or in exchange herefor or in lieu hereof whether or not consent is made with respect to such Certificate. The Pooling and Servicing
Agreement also permits the amendment thereof in certain limited circumstances without the consent of the Holders.

 

As provided in the
Pooling and Servicing Agreement and subject to certain limitations therein set forth, the transfer of this Certificate is registerable
in the Certificate Register upon surrender of this Certificate for registration of transfer at the Corporate Trust Office, duly
endorsed by, or accompanied by a written instrument of transfer in form satisfactory to, the Certificate Registrar duly executed
by the Holder thereof or such Holder’s attorney duly authorized in writing, and thereupon one or more new Certificates of
the same Class of authorized denominations evidencing the same initial Certificate Principal Amount (or Notional Amount) will be
issued to the designated transferee or transferees. As provided in the Pooling and Servicing Agreement and subject to certain limitations
therein set forth, this Certificate is exchangeable for new Certificates of the same Class evidencing the same aggregate initial
Certificate Principal Amount (or Notional Amount) as requested by the Holder surrendering the same. No service charge will be made
for any such registration of transfer or exchange, but 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 exchange of Certificates.

 

The Class 1-A1, Class
2-A1, Class B-1, Class B-2, Class B-3, Class B-4, and Class B-5 Certificates are issuable only in registered
form in minimum denominations of $100,000 in initial Certificate Principal Amount and the Class 1-AX and Class 2-AX Certificates
are issuable only in registered form in minimum denominations of $1,000,000 in initial Certificate Notional Amount, in each case,
in integral multiples of $1 in excess thereof and, in the case of the Class 1-A1, Class 1-AX, Class 2-A1, Class 2-AX, Class B-1,
Class B-2 and Class B-3 Certificates, will be registered in the name of the nominee of the Clearing Agency, which shall maintain
such Certificates through its book-entry facilities and, in the case of the Class B-4 and Class B-5 Certificates, will be maintained
in physical form. The Class R and Class LT-R Certificates will each be issued as a single Certificate representing the entire Percentage
Interest in that Class and will be maintained in physical form. The Certificates shall remain outstanding until the final Distribution
Date for the Certificates.

 

    	7

    	 

    
 

On any date on which
the Aggregate Stated Principal Balance of the Mortgage Loans has declined to less than 10% of the initial Aggregate Stated Principal
Balance of the Mortgage Loans as of the Cut-off Date, subject to satisfaction of the conditions described in the Pooling and Servicing
Agreement, the Master Servicer may purchase all of the Mortgage Loans from the Trust Fund, thereby causing an early retirement
of the Certificates.

 

In no event will the
trust created by the Pooling and Servicing Agreement continue beyond the expiration of 21 years from the death of the last survivor
of the descendants living at the date of the Pooling and Servicing Agreement of a certain person named in the Pooling and Servicing
Agreement.

 

The Depositor, the
Trustee, the Securities Administrator, the Master Servicer, the Certificate Registrar and any agent of any of them may treat the
Person in whose name this Certificate is registered as the owner hereof for all purposes, and none of the Depositor, the Trustee,
the Securities Administrator, the Master Servicer, the Certificate Registrar or any such agent shall be affected by any notice
to the contrary.

 

As provided in the
Pooling and Servicing Agreement, this Certificate and the Pooling and Servicing Agreement shall be construed in accordance with
and governed by the laws of the State of New York without regard to the conflict of laws principles applied in the State of New
York. In the event of any conflict between the provisions of this Certificate and the Pooling and Servicing Agreement, the Pooling
and Servicing Agreement shall be controlling.

 

    	8

    	 

    

 

ASSIGNMENT

 

FOR VALUE RECEIVED, the undersigned hereby sell(s) and assign(s)
and transfer(s) unto

 

	 
	 
	 

(Please print or type name and address, including postal zip
code, of assignee and social security number or employer identification number)

 

	 

the within Certificate stating in the names of the undersigned
in the Certificate Register and does hereby irrevocably constitute and appoint

 

	 

to transfer such Certificate in such Certificate Register.

 

I [we] further direct the Certificate Registrar
to issue a new Certificate of the same Class of like principal to the above-named assignee and deliver such Certificate to the
following address:

 

	 
	 
	 

 

	Dated:	 	 	 
	 	 	Signature by or on behalf of Assignor
	 	 	 
	 	 	 
	Authorized Officer	 	Signature Guaranteed
	 	 	 
	 	 	 
	Name of Institution	 	NOTICE: The signature(s) of this assignment must correspond with the name(s) on the face of this Certificate without alteration or any change whatsoever.  The signature must be guaranteed by a participant in the Securities Transfer Agents Medallion Program, the New York Stock Exchange Medallion Signature Program or the Stock Exchanges Medallion Program.  Notarized or witnessed signatures are not acceptable as guaranteed signatures.

 

    	 

    	 

    

 

DISTRIBUTION
INSTRUCTIONS

 

The assignee should
include the following for the information of the Certificate Registrar. Distributions shall be made by wire transfer in immediately
available funds to

 

	 

 

for the account of _____________________________________________________________________________________

 

account number _______________________
or, if mailed by check, to ___________________________________________

 

	 

 

Applicable reports and statements should
be mailed to _______________________________________________________

 

	 

 

This information is
provided by _________________________________________________________________

 

the assignee named above, or ______________________________________
as its agent.

 

    	 

    	 

    

 

THIS CERTIFICATE IS A REMIC REGULAR INTEREST
CERTIFICATE. THIS CERTIFICATE DOES NOT EVIDENCE AN OBLIGATION OF, OR AN INTEREST IN, AND IS NOT GUARANTEED BY, THE DEPOSITOR, THE
TRUSTEE, THE SECURITIES ADMINISTRATOR, THE MASTER SERVICER OR ANY AFFILIATE OF ANY OF THEM AND IS NOT INSURED OR GUARANTEED BY
ANY GOVERNMENTAL AGENCY OR PRIVATE INSURER.

 

DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE
PRINCIPAL AMOUNT OF THIS CERTIFICATE MAY BE MADE IN INSTALLMENTS AS SET FORTH HEREIN. ACCORDINGLY, THE CERTIFICATE PRINCIPAL AMOUNT
OF THIS CERTIFICATE AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ON THE FACE HEREOF.

 

THIS CERTIFICATE IS SUBORDINATE IN RIGHT
OF PAYMENT AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN.

 

THIS CERTIFICATE HAS NOT BEEN REGISTERED
UNDER THE SECURITIES ACT OF 1933, AS AMENDED (THE "1933 ACT"), OR ANY STATE SECURITIES LAWS. NEITHER THIS CERTIFICATE
NOR ANY INTEREST OR PARTICIPATION HEREIN MAY BE REOFFERED, SOLD, ASSIGNED, TRANSFERRED, PLEDGED, ENCUMBERED OR OTHERWISE DISPOSED
OF IN THE ABSENCE OF SUCH REGISTRATION, UNLESS SUCH TRANSACTION IS EXEMPT FROM, OR NOT SUBJECT TO, REGISTRATION.

 

THE HOLDER OF THIS CERTIFICATE BY ITS ACCEPTANCE
HEREOF AGREES TO OFFER, SELL OR OTHERWISE TRANSFER SUCH CERTIFICATE ONLY (A) PURSUANT TO A REGISTRATION STATEMENT WHICH HAS BEEN
DECLARED EFFECTIVE UNDER THE 1933 ACT, (B) TO PERSON IT REASONABLY BELIEVES IS A "QUALIFIED INSTITUTIONAL BUYER" AS DEFINED
IN RULE 144A UNDER THE 1933 ACT THAT PURCHASES FOR ITS OWN ACCOUNT OR FOR THE ACCOUNT OF A QUALIFIED INSTITUTIONAL BUYER TO WHOM
NOTICE IS GIVEN THAT THE TRANSFER IS BEING MADE IN RELIANCE ON RULE 144A, OR (C) TO AN INSTITUTIONAL "ACCREDITED INVESTOR"
WITHIN THE MEANING OF SUBPARAGRAPH (A)(1), (2), (3) OR (7) OF RULE 501 UNDER THE 1933 ACT THAT IS ACQUIRING THE CERTIFICATE FOR
ITS OWN ACCOUNT, OR FOR THE ACCOUNT OF SUCH AN INSTITUTIONAL "ACCREDITED INVESTOR," FOR INVESTMENT PURPOSES AND NOT WITH
A VIEW TO, OR FOR OFFER OR SALE IN CONNECTION WITH, ANY DISTRIBUTION VIOLATION OF THE 1933 ACT, SUBJECT TO THE CERTIFICATE REGISTRAR'S
RIGHT PRIOR TO ANY SUCH OFFER, SALE OR TRANSFER TO REQUIRE THE DELIVERY OF A CERTIFICATE OF TRANSFER IN THE FORM APPEARING IN THE
POOLING AND SERVICING AGREEMENT.

 

    	 

    	 

    

 

NO TRANSFER OF THIS CERTIFICATE OR ANY
INTEREST THEREIN SHALL BE MADE TO ANY EMPLOYEE BENEFIT PLAN OR OTHER PLAN OR ARRANGEMENT SUBJECT TO THE PROHIBITED TRANSACTION
PROVISIONS OF THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED (“ERISA”), OR SECTION 4975 OF THE CODE,
OR ANY PERSON (INCLUDING AN INSURANCE COMPANY INVESTING ITS GENERAL ACCOUNT, AN INVESTMENT MANAGER, A NAMED FIDUCIARY OR A TRUSTEE
OF ANY SUCH PLAN) WHO IS USING “PLAN ASSETS” OF ANY SUCH PLAN TO EFFECT SUCH ACQUISITION (EACH OF THE FOREGOING, A
“PLAN INVESTOR”) UNLESS THE CERTIFICATE REGISTRAR IS PROVIDED WITH EITHER (I) A CERTIFICATION PURSUANT TO SECTION 3.03(d)(i)
OF THE AGREEMENT OR (II) AN OPINION OF COUNSEL ACCEPTABLE TO AND IN FORM AND SUBSTANCE SATISFACTORY TO THE CERTIFICATE REGISTRAR
TO THE EFFECT THAT THE PURCHASE OR HOLDING OF THIS CERTIFICATE IS PERMISSIBLE UNDER APPLICABLE LAW, WILL NOT CONSTITUTE OR RESULT
IN ANY NON-EXEMPT PROHIBITED TRANSACTION UNDER SECTION 406 OF ERISA OR SECTION 4975 OF THE CODE (OR COMPARABLE PROVISIONS OF ANY
SUBSEQUENT ENACTMENTS), AND WILL NOT SUBJECT THE CERTIFICATE REGISTRAR, THE TRUSTEE OR THE DEPOSITOR TO ANY OBLIGATION OR LIABILITY
(INCLUDING OBLIGATIONS OR LIABILITIES UNDER ERISA OR SECTION 4975 OF THE CODE) IN ADDITION TO THOSE UNDERTAKEN IN THE AGREEMENT,
WHICH OPINION OF COUNSEL SHALL NOT BE AN EXPENSE OF THE TRUST FUND, THE CERTIFICATE REGISTRAR, THE TRUSTEE OR THE DEPOSITOR. EACH
INVESTOR IN THIS CERTIFICATE WILL BE DEEMED TO REPRESENT THAT IT IS IN COMPLIANCE WITH THE FOREGOING AND WILL BE FURTHER DEEMED
TO REPRESENT, WARRANT AND COVENANT THAT IT WILL NOT SELL, PLEDGE OR OTHERWISE TRANSFER SUCH ERISA-RESTRICTED CERTIFICATE IN VIOLATION
OF THE FOREGOING.

 

ANY PURPORTED CERTIFICATE OWNER WHOSE ACQUISITION
OR HOLDING OF THIS CERTIFICATE (OR INTEREST THEREIN) WAS EFFECTED IN VIOLATION OF THE RESTRICTIONS IN SECTION 3.03 OF THE AGREEMENT
SHALL INDEMNIFY AND HOLD HARMLESS THE CERTIFICATE REGISTRAR, THE DEPOSITOR, THE TRUSTEE AND THE TRUST FUND FROM AND AGAINST ANY
AND ALL LIABILITIES, CLAIMS, COSTS OR EXPENSES INCURRED BY SUCH PARTIES AS A RESULT OF SUCH ACQUISITION OR HOLDING.

 

    	2

    	 

    

 

 

SEQUOIA MORTGAGE TRUST 2013-1

MORTGAGE PASS-THROUGH CERTIFICATES, CLASS
B-5

 

Evidencing a beneficial interest in a pool of residential
mortgage loans and any other assets established by

 

SEQUOIA RESIDENTIAL FUNDING, INC.

 

	Initial Class Principal	Initial Certificate
	Amount of the Class B-5	Principal Amount of this
	Certificates: $4,178,279	Certificates: $4,178,279
	 	 
	Certificate Interest Rate: Adjustable	 
	 	Cut-off Date: January 1, 2013
	 	 
	Final Scheduled Distribution	 
	Date: February 2043	 
	 	 
	NUMBER 1	CUSIP: 81744W AJ9

  

    	3

    	 

    

 

THIS CERTIFIES THAT
NIMER & CO. is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the initial
Certificate Principal Amount of this Certificate by the initial Class Principal Amount of all Class B-5 Certificates, both as specified
above) in a Trust Fund, the assets of which consist of the Mortgage Loans and all interest and principal received thereon after
the Cut-off Date (other than Scheduled Payments due on or prior to the Cut-off Date), the rights of the Seller and the Depositor
assigned to the Trustee under each Purchase Agreement, each Servicing Agreement, the Mortgage Loan Purchase and Sale Agreement,
the Insurance Policies relating to the Mortgage Loans, all cash, instruments or property held or required to be held in the Custodial
Accounts and the Distribution Account and property that secured a Mortgage Loan; and certain other assets, if any, as described
in the Pooling and Servicing Agreement (the foregoing assets hereinafter collectively referred to as the “Trust Fund”).

 

Distributions on this
Certificate will be made on the 25th day of each month or, if such day is not a Business Day, then on the succeeding Business Day,
commencing in February 2013 (each, a “Distribution Date”), to the Person in whose name this Certificate is registered
at the close of business on the last Business Day preceding such Distribution Date (the “Record Date”), in an amount
equal to the product of the Percentage Interest evidenced by this Certificate and the amount, if any, required to be distributed
to all Certificates of the Class represented by this Certificate. All sums distributable on this Certificate are payable in the
coin or currency of the United States of America which at the time of payment is legal tender for the payment of public and private
debts.

 

Reference is hereby
made to the further provisions of this Certificate set forth on the reverse hereof, which shall have the same effect as though
fully set forth on the face of this Certificate.

 

Unless the certificate
of authentication hereon has been executed by or on behalf of the Authenticating Agent, whose name appears below by manual signature,
this Certificate shall not be entitled to any benefit under the Pooling and Servicing Agreement or be valid for any purpose.

 

    	4

    	 

    

 

IN WITNESS WHEREOF,
Christiana Trust, a division of Wilmington Savings Fund Society, FSB, as Trustee, has caused this Certificate to be duly executed.

 

	 	CHRISTIANA TRUST, A DIVISION OF WILMINGTON SAVINGS FUND SOCIETY, FSB,
	 	 	as Trustee
	 	 	 
	 	By: 	 	 
	 	 	AUTHORIZED SIGNATORY
	 	 	 
	 	Dated:	 	 

 

CERTIFICATE AUTHENTICATION

 

This is one of the
Certificates referred to in the within-mentioned Pooling and Servicing Agreement.

 

	 	WELLS FARGO BANK, N.A.,
	 	 	as Authenticating Agent
	 	 	 
	 	By: 	 	 
	 	 	AUTHORIZED SIGNATORY
	 	 	 
	 	Dated:	 	 

 

    	5

    	 

    

 

SEQUOIA MORTGAGE TRUST 2013-1

MORTGAGE PASS-THROUGH CERTIFICATE

 

This Certificate is
one of a duly authorized issue of certificates designated as Sequoia Mortgage Trust 2013-1 Mortgage Pass-Through Certificates (the
“Certificates”), representing all or part of a beneficial ownership interest in a Trust Fund established pursuant to
a Pooling and Servicing Agreement, dated as of January 1, 2013 (the “Pooling and Servicing Agreement”), among Sequoia
Residential Funding, Inc., as depositor (the “Depositor”), Wells Fargo Bank, N.A., as master servicer (in such capacity,
the “Master Servicer”) and as securities administrator (in such capacity, the “Securities Administrator”)
and Christiana Trust, a division of Wilmington Savings Fund Society, FSB, as trustee (the “Trustee”), to which terms,
provisions and conditions thereof the Holder of this Certificate by virtue of the acceptance hereof assents, and by which such
Holder is bound. Except as otherwise defined herein, all capitalized terms used herein shall have the meanings ascribed to them
in the Pooling and Servicing Agreement. The Certificates consist of the following Classes: Class 1-A1, Class 1-AX, Class 2-A1,
Class 2-AX, Class R, Class LT-R, Class B-1, Class B-2, Class B-3, Class B-4, and Class B-5.

 

On each Distribution
Date, the Paying Agent, on behalf of the Trustee, will make distributions from the Distribution Account to the Holders of Certificates
according to the terms of the Pooling and Servicing Agreement. All distributions or allocations made with respect to each Class
of Certificates on each Distribution Date shall be allocated among the outstanding Certificates of such Class based on the Certificate
Principal Amount (or Certificate Notional Amount) of each such Certificate.

 

Distributions on this
Certificate will be made by check mailed to the Holder of record of this Certificate on the immediately preceding Record Date at
the address of such Holder as it appears on the Certificate Register or, upon written request made to the Securities Administrator
at least five Business Days prior to the related Record Date, by any Certificateholder owning an aggregate initial Certificate
Principal Amount (or Certificate Notional Amount) of at least $1,000,000 or, in the case of any Residual Certificate, a Percentage
Interest of 100%, by wire transfer in immediately available funds to an account specified in such request and at the expense of
such Certificateholder requesting such wire transfer by deducting a wire transfer fee from the related distribution; provided,
however, that the final distribution in respect of any Certificate shall be made only upon presentation and surrender of such Certificate
at the Corporate Trust Office (as defined below); provided, further, that the foregoing provisions shall not apply to any Certificate
as long as such Certificate remains a Book-Entry Certificate, in which case all payments made shall be made through the Clearing
Agency and its Clearing Agency Participants. Notwithstanding such final payment of principal of any of the Certificates, each Residual
Certificate will remain outstanding until the termination of the related REMIC or REMICs and the payment in full of all other amounts
due with respect to the Residual Certificates and at such time such final payment in retirement of any Residual Certificate will
be made only upon presentation and surrender of such Certificate at the Corporate Trust Office.

 

The Corporate Trust
Office with respect to the presentment and surrender of Certificates for the final distribution thereon is the corporate trust
office of the Certificate Registrar at Sixth Street and Marquette Avenue, Minneapolis, Minnesota 55479, Attention: Corporate Trust
Services — Sequoia Mortgage Trust 2013-1 or at such other address as the Securities Administrator may designate from time
to time.

 

    	6

    	 

    

 

The Pooling and Servicing
Agreement may be amended by the Trustee, the Master Servicer, the Securities Administrator, and the Depositor with the consent
of the Holders of not less than 66-2/3% of the Class Principal Amount or Class Notional Amount (or Percentage Interest) 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 the Pooling and Servicing Agreement or of modifying in any manner the rights of the Holders; provided, however,
that no such amendment shall be made unless the Trustee and the Securities Administrator receive an Opinion of Counsel, at the
expense of the party requesting the change, that such change will not cause an Adverse REMIC Event; and provided further, that
no such amendment may (i) reduce in any manner the amount of, or delay the timing of, payments received on Mortgage Loans which
are required to be distributed on any Certificate, without the consent of the Holder of such Certificate or (ii) reduce the aforesaid
percentages of Class Principal Amount or Class Notional Amount (or Percentage Interest) of Certificates of each Class, the Holders
of which are required to consent to any such amendment without the consent of the Holders of 100% of the Class Principal Amount
or Class Notional Amount (or Percentage Interest) of each Class of Certificates affected thereby.  For purposes of this
paragraph, references to “Holder” or “Holders” shall be deemed to include, in the case of any Class of
Book-Entry Certificates, the related Certificate Owners. Any consent by the Holder of this Certificate
will be conclusive and binding upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof
or in exchange herefor or in lieu hereof whether or not consent is made with respect to such Certificate. The Pooling and Servicing
Agreement also permits the amendment thereof in certain limited circumstances without the consent of the Holders.

 

As provided in the
Pooling and Servicing Agreement and subject to certain limitations therein set forth, the transfer of this Certificate is registerable
in the Certificate Register upon surrender of this Certificate for registration of transfer at the Corporate Trust Office, duly
endorsed by, or accompanied by a written instrument of transfer in form satisfactory to, the Certificate Registrar duly executed
by the Holder thereof or such Holder’s attorney duly authorized in writing, and thereupon one or more new Certificates of
the same Class of authorized denominations evidencing the same initial Certificate Principal Amount (or Notional Amount) will be
issued to the designated transferee or transferees. As provided in the Pooling and Servicing Agreement and subject to certain limitations
therein set forth, this Certificate is exchangeable for new Certificates of the same Class evidencing the same aggregate initial
Certificate Principal Amount (or Notional Amount) as requested by the Holder surrendering the same. No service charge will be made
for any such registration of transfer or exchange, but 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 exchange of Certificates.

 

The Class 1-A1, Class
2-A1, Class B-1, Class B-2, Class B-3, Class B-4, and Class B-5 Certificates are issuable only in registered
form in minimum denominations of $100,000 in initial Certificate Principal Amount and the Class 1-AX and Class 2-AX Certificates
are issuable only in registered form in minimum denominations of $1,000,000 in initial Certificate Notional Amount, in each case,
in integral multiples of $1 in excess thereof and, in the case of the Class 1-A1, Class 1-AX, Class 2-A1, Class 2-AX, Class B-1,
Class B-2 and Class B-3 Certificates, will be registered in the name of the nominee of the Clearing Agency, which shall maintain
such Certificates through its book-entry facilities and, in the case of the Class B-4 and Class B-5 Certificates, will be maintained
in physical form. The Class R and Class LT-R Certificates will each be issued as a single Certificate representing the entire Percentage
Interest in that Class and will be maintained in physical form. The Certificates shall remain outstanding until the final Distribution
Date for the Certificates.

 

    	7

    	 

    

 

On any date on which
the Aggregate Stated Principal Balance of the Mortgage Loans has declined to less than 10% of the initial Aggregate Stated Principal
Balance of the Mortgage Loans as of the Cut-off Date, subject to satisfaction of the conditions described in the Pooling and Servicing
Agreement, the Master Servicer may purchase all of the Mortgage Loans from the Trust Fund, thereby causing an early retirement
of the Certificates.

 

In no event will the
trust created by the Pooling and Servicing Agreement continue beyond the expiration of 21 years from the death of the last survivor
of the descendants living at the date of the Pooling and Servicing Agreement of a certain person named in the Pooling and Servicing
Agreement.

 

The Depositor, the
Trustee, the Securities Administrator, the Master Servicer, the Certificate Registrar and any agent of any of them may treat the
Person in whose name this Certificate is registered as the owner hereof for all purposes, and none of the Depositor, the Trustee,
the Securities Administrator, the Master Servicer, the Certificate Registrar or any such agent shall be affected by any notice
to the contrary.

 

As provided in the
Pooling and Servicing Agreement, this Certificate and the Pooling and Servicing Agreement shall be construed in accordance with
and governed by the laws of the State of New York without regard to the conflict of laws principles applied in the State of New
York. In the event of any conflict between the provisions of this Certificate and the Pooling and Servicing Agreement, the Pooling
and Servicing Agreement shall be controlling.

 

    	8

    	 

    

 

ASSIGNMENT

 

FOR VALUE RECEIVED, the undersigned hereby sell(s) and assign(s)
and transfer(s) unto

 

	 
	 
	 

(Please print or type name and address, including postal zip
code, of assignee and social security number or employer identification number)

 

	 

the within Certificate stating in the names of the undersigned
in the Certificate Register and does hereby irrevocably constitute and appoint

 

	 

to transfer such Certificate in such Certificate Register.

 

I [we] further direct the Certificate Registrar to issue
a new Certificate of the same Class of like principal to the above-named assignee and deliver such Certificate to the following
address:

 

 

 

 

 

 

 

	Dated: __________________________________________	 	 
	 	 	Signature by or on behalf of Assignor
	 	 	 
	Authorized Officer	 	Signature Guaranteed
	 	 	 
	 	 	 
	Name of Institution	 	NOTICE: The signature(s) of this assignment must correspond with the name(s) on the face of this Certificate without alteration or any change whatsoever.  The signature must be guaranteed by a participant in the Securities Transfer Agents Medallion Program, the New York Stock Exchange Medallion Signature Program or the Stock Exchanges Medallion Program.  Notarized or witnessed signatures are not acceptable as guaranteed signatures.

  

    	 

    	 

    

 

DISTRIBUTION
INSTRUCTIONS

 

The assignee should
include the following for the information of the Certificate Registrar. Distributions shall be made by wire transfer in immediately
available funds to

 

	 

 

for the account of _____________________________________________________________________________________

 

account number _______________________
or, if mailed by check, to ___________________________________________

 

	 

 

Applicable reports and statements should
be mailed to _______________________________________________________

 

	 

 

This information is
provided by _________________________________________________________________

 

the assignee named above, or ______________________________________
as its agent.

 

    	 

    	 

    
 

THIS CERTIFICATE IS A REMIC RESIDUAL INTEREST
CERTIFICATE. THIS CERTIFICATE DOES NOT EVIDENCE AN OBLIGATION OF, OR AN INTEREST IN, AND IS NOT GUARANTEED BY, THE DEPOSITOR, THE
TRUSTEE, THE SECURITIES ADMINISTRATOR, THE MASTER SERVICER OR ANY AFFILIATE OF ANY OF THEM AND IS NOT INSURED OR GUARANTEED BY
ANY GOVERNMENTAL AGENCY OR PRIVATE INSURER.

 

THIS CERTIFICATE HAS NOT BEEN REGISTERED
UNDER THE SECURITIES ACT OF 1933, AS AMENDED (THE "1933 ACT"), OR ANY STATE SECURITIES LAWS. NEITHER THIS CERTIFICATE
NOR ANY INTEREST OR PARTICIPATION HEREIN MAY BE REOFFERED, SOLD, ASSIGNED, TRANSFERRED, PLEDGED, ENCUMBERED OR OTHERWISE DISPOSED
OF IN THE ABSENCE OF SUCH REGISTRATION, UNLESS SUCH TRANSACTION IS EXEMPT FROM, OR NOT SUBJECT TO, REGISTRATION.

 

THE HOLDER OF THIS CERTIFICATE BY ITS ACCEPTANCE
HEREOF AGREES TO OFFER, SELL OR OTHERWISE TRANSFER SUCH CERTIFICATE ONLY (A) PURSUANT TO A REGISTRATION STATEMENT WHICH HAS BEEN
DECLARED EFFECTIVE UNDER THE 1933 ACT, (B) TO PERSON IT REASONABLY BELIEVES IS A "QUALIFIED INSTITUTIONAL BUYER" AS DEFINED
IN RULE 144A UNDER THE 1933 ACT THAT PURCHASES FOR ITS OWN ACCOUNT OR FOR THE ACCOUNT OF A QUALIFIED INSTITUTIONAL BUYER TO WHOM
NOTICE IS GIVEN THAT THE TRANSFER IS BEING MADE IN RELIANCE ON RULE 144A, OR (C) TO AN INSTITUTIONAL "ACCREDITED INVESTOR"
WITHIN THE MEANING OF SUBPARAGRAPH (A)(1), (2), (3) OR (7) OF RULE 501 UNDER THE 1933 ACT THAT IS ACQUIRING THE CERTIFICATE FOR
ITS OWN ACCOUNT, OR FOR THE ACCOUNT OF SUCH AN INSTITUTIONAL "ACCREDITED INVESTOR," FOR INVESTMENT PURPOSES AND NOT WITH
A VIEW TO, OR FOR OFFER OR SALE IN CONNECTION WITH, ANY DISTRIBUTION VIOLATION OF THE 1933 ACT, SUBJECT TO THE CERTIFICATE REGISTRAR'S
RIGHT PRIOR TO ANY SUCH OFFER, SALE OR TRANSFER TO REQUIRE THE DELIVERY OF A CERTIFICATE OF TRANSFER IN THE FORM APPEARING IN THE
POOLING AND SERVICING AGREEMENT.

 

ANY RESALE, TRANSFER OR OTHER DISPOSITION
OF THIS CERTIFICATE MAY BE MADE ONLY IF THE PROPOSED TRANSFEREE PROVIDES A TRANSFER AFFIDAVIT TO THE DEPOSITOR AND THE TRUSTEE
THAT (1) SUCH TRANSFEREE IS NOT EITHER (A) THE UNITED STATES, ANY STATE OR POLITICAL SUBDIVISION THEREOF, ANY FOREIGN GOVERNMENT,
ANY INTERNATIONAL ORGANIZATION, OR ANY AGENCY OR INSTRUMENTALITY OF ANY OF THE FOREGOING, (B) ANY ORGANIZATION (OTHER THAN A COOPERATIVE
DESCRIBED IN SECTION 521 OF THE CODE) WHICH IS EXEMPT FROM THE TAX IMPOSED BY CHAPTER 1 OF THE CODE UNLESS SUCH ORGANIZATION IS
SUBJECT TO THE TAX IMPOSED BY SECTION 511 OF THE CODE, (C) ANY ORGANIZATION DESCRIBED IN SECTION 1381(a)(2)(C) OF THE CODE, (D)
AN ELECTING LARGE-PARTNERSHIP WITHIN THE MEANING OF SECTION 775 OF THE CODE (ANY SUCH PERSON DESCRIBED IN THE FOREGOING CLAUSES
(A), (B), (C) OR (D) BEING HEREINAFTER REFERRED TO AS A “DISQUALIFIED ORGANIZATION”), OR (E) AN AGENT OF A DISQUALIFIED
ORGANIZATION AND (2) NO PURPOSE OF SUCH TRANSFER IS TO ENABLE THE TRANSFEROR TO IMPEDE THE ASSESSMENT OR COLLECTION OF TAX. SUCH
AFFIDAVIT SHALL INCLUDE CERTAIN REPRESENTATIONS AS TO THE FINANCIAL CONDITION OF THE PROPOSED TRANSFEREE AND ITS STATUS AS A NON-US
PERSON (IF APPLICABLE). NOTWITHSTANDING THE REGISTRATION IN THE CERTIFICATE REGISTER OF ANY TRANSFER, SALE OR OTHER DISPOSITION
OF THIS CLASS R CERTIFICATE TO A DISQUALIFIED ORGANIZATION OR AN AGENT OF A DISQUALIFIED ORGANIZATION, SUCH REGISTRATION SHALL
BE DEEMED TO BE OF NO LEGAL FORCE OR EFFECT WHATSOEVER AND SUCH PERSON SHALL NOT BE DEEMED TO BE A CERTIFICATEHOLDER FOR ANY PURPOSE
HEREUNDER, INCLUDING, BUT NOT LIMITED TO, THE RECEIPT OF DISTRIBUTIONS ON THIS CERTIFICATE. EACH HOLDER OF THE CLASS R CERTIFICATE
BY ACCEPTANCE OF THIS CERTIFICATE SHALL BE DEEMED TO HAVE CONSENTED TO THE PROVISIONS OF THIS PARAGRAPH.

 

    	 

    	 

    
 

NO TRANSFER OF THIS CERTIFICATE OR ANY
INTEREST THEREIN SHALL BE MADE TO ANY EMPLOYEE BENEFIT PLAN OR OTHER PLAN OR ARRANGEMENT SUBJECT TO THE PROHIBITED TRANSACTION
PROVISIONS OF THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED (“ERISA”), OR SECTION 4975 OF THE CODE,
OR ANY PERSON (INCLUDING AN INSURANCE COMPANY INVESTING ITS GENERAL ACCOUNT, AN INVESTMENT MANAGER, A NAMED FIDUCIARY OR A TRUSTEE
OF ANY SUCH PLAN) WHO IS USING “PLAN ASSETS” OF ANY SUCH PLAN TO EFFECT SUCH ACQUISITION. EACH INVESTOR IN THIS CERTIFICATE
WILL BE DEEMED TO REPRESENT THAT IT IS IN COMPLIANCE WITH THE FOREGOING AND WILL BE FURTHER DEEMED TO REPRESENT, WARRANT AND COVENANT
THAT IT WILL NOT SELL, PLEDGE OR OTHERWISE TRANSFER SUCH ERISA-RESTRICTED CERTIFICATE IN VIOLATION OF THE FOREGOING.

 

ANY PURPORTED CERTIFICATE OWNER WHOSE ACQUISITION
OR HOLDING OF THIS CERTIFICATE (OR INTEREST THEREIN) WAS EFFECTED IN VIOLATION OF THE RESTRICTIONS IN SECTION 3.03 OF THE AGREEMENT
SHALL INDEMNIFY AND HOLD HARMLESS THE CERTIFICATE REGISTRAR, THE DEPOSITOR, THE TRUSTEE AND THE TRUST FUND FROM AND AGAINST ANY
AND ALL LIABILITIES, CLAIMS, COSTS OR EXPENSES INCURRED BY SUCH PARTIES AS A RESULT OF SUCH ACQUISITION OR HOLDING.

 

    	2

    	 

    
 

SEQUOIA MORTGAGE TRUST 2013-1

MORTGAGE PASS-THROUGH CERTIFICATES, CLASS
R

 

Evidencing a beneficial interest in a pool of residential
mortgage loans and any other assets established by

 

SEQUOIA RESIDENTIAL FUNDING, INC.

 

	Percentage Interest of this	 
	Certificate: 100%	 
	 	Cut-off Date: January 1, 2013
	Certificate Interest Rate: Adjustable	 
	 	 
	Final Scheduled Distribution	 
	Date: February 2043	 
	 	CUSIP:  81744W AK6
	NUMBER 1	 

  

    	3

    	 

    

 

THIS CERTIFIES THAT
BARCLAYS CAPITAL INC. is the registered owner of the Percentage Interest evidenced by this Certificate in a Trust Fund, the assets
of which consist of the Mortgage Loans and all interest and principal received thereon after the Cut-off Date (other than Scheduled
Payments due on or prior to the Cut-off Date), the rights of the Seller and the Depositor assigned to the Trustee under each Purchase
Agreement, each Servicing Agreement, the Mortgage Loan Purchase and Sale Agreement, the Insurance Policies relating to the Mortgage
Loans, all cash, instruments or property held or required to be held in the Custodial Accounts and the Distribution Account and
property that secured a Mortgage Loan; and certain other assets, if any, as described in the Pooling and Servicing Agreement (the
foregoing assets hereinafter collectively referred to as the “Trust Fund”).

 

Distributions on this
Certificate will be made on the 25th day of each month or, if such day is not a Business Day, then on the succeeding Business Day,
commencing in February 2013 (each, a “Distribution Date”), to the Person in whose name this Certificate is registered
at the close of business on the last Business Day preceding such Distribution Date (the “Record Date”), in an amount
equal to the product of the Percentage Interest evidenced by this Certificate and the amount, if any, required to be distributed
to all Certificates of the Class represented by this Certificate. All sums distributable on this Certificate are payable in the
coin or currency of the United States of America which at the time of payment is legal tender for the payment of public and private
debts.

 

Reference is hereby
made to the further provisions of this Certificate set forth on the reverse hereof, which shall have the same effect as though
fully set forth on the face of this Certificate.

 

Unless the certificate
of authentication hereon has been executed by or on behalf of the Authenticating Agent, whose name appears below by manual signature,
this Certificate shall not be entitled to any benefit under the Pooling and Servicing Agreement or be valid for any purpose.

 

    	4

    	 

    

 

IN WITNESS WHEREOF,
Christiana Trust, a division of Wilmington Savings Fund Society, FSB, as Trustee, has caused this Certificate to be duly executed.

 

	 	CHRISTIANA TRUST, A DIVISION OF WILMINGTON SAVINGS FUND SOCIETY, FSB,
	 	 	as Trustee
	 	 	 
	 	By: 	 	 
	 	 	AUTHORIZED SIGNATORY
	 	 	 
	 	Dated:	 	 

 

CERTIFICATE AUTHENTICATION

 

This is one of the
Certificates referred to in the within-mentioned Pooling and Servicing Agreement.

 

	 	WELLS FARGO BANK, N.A.,
	 	 	as Authenticating Agent
	 	 	 
	 	By: 	 	 
	 	 	AUTHORIZED SIGNATORY
	 	 	 
	 	Dated:	 	 

 

    	5

    	 

    

 

SEQUOIA MORTGAGE TRUST 2013-1

MORTGAGE PASS-THROUGH CERTIFICATE

 

This Certificate is
one of a duly authorized issue of certificates designated as Sequoia Mortgage Trust 2013-1 Mortgage Pass-Through Certificates (the
“Certificates”), representing all or part of a beneficial ownership interest in a Trust Fund established pursuant to
a Pooling and Servicing Agreement, dated as of January 1, 2013 (the “Pooling and Servicing Agreement”), among Sequoia
Residential Funding, Inc., as depositor (the “Depositor”), Wells Fargo Bank, N.A., as master servicer (in such capacity,
the “Master Servicer”) and as securities administrator (in such capacity, the “Securities Administrator”)
and Christiana Trust, a division of Wilmington Savings Fund Society, FSB, as trustee (the “Trustee”), to which terms,
provisions and conditions thereof the Holder of this Certificate by virtue of the acceptance hereof assents, and by which such
Holder is bound. Except as otherwise defined herein, all capitalized terms used herein shall have the meanings ascribed to them
in the Pooling and Servicing Agreement. The Certificates consist of the following Classes: Class 1-A1, Class 1-AX, Class 2-A1,
Class 2-AX, Class R, Class LT-R, Class B-1, Class B-2, Class B-3, Class B-4, and Class B-5.

 

On each Distribution
Date, the Paying Agent, on behalf of the Trustee, will make distributions from the Distribution Account to the Holders of Certificates
according to the terms of the Pooling and Servicing Agreement. All distributions or allocations made with respect to each Class
of Certificates on each Distribution Date shall be allocated among the outstanding Certificates of such Class based on the Certificate
Principal Amount (or Notional Amount) of each such Certificate.

 

Distributions on this
Certificate will be made by check mailed to the Holder of record of this Certificate on the immediately preceding Record Date at
the address of such Holder as it appears on the Certificate Register or, upon written request made to the Securities Administrator
at least five Business Days prior to the related Record Date, by any Certificateholder owning an aggregate initial Certificate
Principal Amount of at least $1,000,000 or, in the case of a Class of any Residual Certificate, a Percentage Interest of 100%,
by wire transfer in immediately available funds to an account specified in such request and at the expense of such Certificateholder
requesting such wire transfer by deducting a wire transfer fee from the related distribution; provided, however, that the final
distribution in respect of any Certificate shall be made only upon presentation and surrender of such Certificate at the Corporate
Trust Office (as defined below); provided, further, that the foregoing provisions shall not apply to any Certificate as long as
such Certificate remains a Book-Entry Certificate, in which case all payments made shall be made through the Clearing Agency and
its Clearing Agency Participants. Notwithstanding such final payment of principal of any of the Certificates, each Residual Certificate
will remain outstanding until the termination of the related REMIC or REMICs and the payment in full of all other amounts due with
respect to the Residual Certificates and at such time such final payment in retirement of any Residual Certificate will be made
only upon presentation and surrender of such Certificate at the Corporate Trust Office.

 

The Corporate Trust
Office with respect to the presentment and surrender of Certificates for the final distribution thereon is the corporate trust
office of the Certificate Registrar at Sixth Street and Marquette Avenue, Minneapolis, Minnesota 55479, Attention: Corporate Trust
Services — Sequoia Mortgage Trust 2013-1 or at such other address as the Securities Administrator may designate from time
to time.

 

    	6

    	 

    
 

The Pooling and Servicing
Agreement may be amended by the Trustee, the Master Servicer, the Securities Administrator, and the Depositor with the consent
of the Holders of not less than 66-2/3% of the Class Principal Amount or Class Notional Amount (or Percentage Interest) 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 the Pooling and Servicing Agreement or of modifying in any manner the rights of the Holders; provided, however,
that no such amendment shall be made unless the Trustee and the Securities Administrator receive an Opinion of Counsel, at the
expense of the party requesting the change, that such change will not cause an Adverse REMIC Event; and provided further, that
no such amendment may (i) reduce in any manner the amount of, or delay the timing of, payments received on Mortgage Loans which
are required to be distributed on any Certificate, without the consent of the Holder of such Certificate or (ii) reduce the aforesaid
percentages of Class Principal Amount or Class Notional Amount (or Percentage Interest) of Certificates of each Class, the Holders
of which are required to consent to any such amendment without the consent of the Holders of 100% of the Class Principal Amount
or Class Notional Amount (or Percentage Interest) of each Class of Certificates affected thereby.  For purposes of this
paragraph, references to “Holder” or “Holders” shall be deemed to include, in the case of any Class of
Book-Entry Certificates, the related Certificate Owners. Any consent by the Holder of this Certificate
will be conclusive and binding upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof
or in exchange herefor or in lieu hereof whether or not consent is made with respect to such Certificate. The Pooling and Servicing
Agreement also permits the amendment thereof in certain limited circumstances without the consent of the Holders.

 

As provided in the
Pooling and Servicing Agreement and subject to certain limitations therein set forth, the transfer of this Certificate is registerable
in the Certificate Register upon surrender of this Certificate for registration of transfer at the Corporate Trust Office, duly
endorsed by, or accompanied by a written instrument of transfer in form satisfactory to, the Certificate Registrar duly executed
by the Holder thereof or such Holder’s attorney duly authorized in writing, and thereupon one or more new Certificates of
the same Class of authorized denominations evidencing the same initial Certificate Principal Amount (or Notional Amount) will be
issued to the designated transferee or transferees. As provided in the Pooling and Servicing Agreement and subject to certain limitations
therein set forth, this Certificate is exchangeable for new Certificates of the same Class evidencing the same aggregate initial
Certificate Principal Amount (or Notional Amount) as requested by the Holder surrendering the same. No service charge will be made
for any such registration of transfer or exchange, but 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 exchange of Certificates.

 

The Class 1-A1, Class
2-A1, Class B-1, Class B-2, Class B-3, Class B-4, and Class B-5 Certificates are issuable only in registered
form in minimum denominations of $100,000 in initial Certificate Principal Amount and the Class 1-AX and Class 2-AX Certificates
are issuable only in registered form in minimum denominations of $1,000,000 in initial Certificate Notional Amount, in each case,
in integral multiples of $1 in excess thereof and, in the case of the Class 1-A1, Class 1-AX, Class 2-A1, Class 2-AX, Class B-1,
Class B-2 and Class B-3 Certificates, will be registered in the name of the nominee of the Clearing Agency, which shall maintain
such Certificates through its book-entry facilities and, in the case of the Class B-4 and Class B-5 Certificates, will be maintained
in physical form. The Class R and Class LT-R Certificates will each be issued as a single Certificate representing the entire Percentage
Interest in that Class and will be maintained in physical form. The Certificates shall remain outstanding until the final Distribution
Date for the Certificates.

 

    	7

    	 

    
 

On any date on which
the Aggregate Stated Principal Balance of the Mortgage Loans has declined to less than 10% of the initial Aggregate Stated Principal
Balance of the Mortgage Loans as of the Cut-off Date, subject to satisfaction of the conditions described in the Pooling and Servicing
Agreement, the Master Servicer may purchase all of the Mortgage Loans from the Trust Fund, thereby causing an early retirement
of the Certificates.

 

In no event will the
trust created by the Pooling and Servicing Agreement continue beyond the expiration of 21 years from the death of the last survivor
of the descendants living at the date of the Pooling and Servicing Agreement of a certain person named in the Pooling and Servicing
Agreement.

 

The Depositor, the
Trustee, the Securities Administrator, the Master Servicer, the Certificate Registrar and any agent of any of them may treat the
Person in whose name this Certificate is registered as the owner hereof for all purposes, and none of the Depositor, the Trustee,
the Securities Administrator, the Master Servicer, the Certificate Registrar or any such agent shall be affected by any notice
to the contrary.

 

As provided in the
Pooling and Servicing Agreement, this Certificate and the Pooling and Servicing Agreement shall be construed in accordance with
and governed by the laws of the State of New York without regard to the conflict of laws principles applied in the State of New
York. In the event of any conflict between the provisions of this Certificate and the Pooling and Servicing Agreement, the Pooling
and Servicing Agreement shall be controlling.

 

    	8

    	 

    

 

ASSIGNMENT

 

FOR VALUE RECEIVED, the undersigned hereby sell(s) and assign(s)
and transfer(s) unto

 

	 
	 
	 

(Please print or type name and address, including postal zip
code, of assignee and social security number or employer identification number)

 

	 

the within Certificate stating in the names of the undersigned
in the Certificate Register and does hereby irrevocably constitute and appoint

 

	 

to transfer such Certificate in such Certificate Register.

 

I [we] further direct the Certificate Registrar to issue
a new Certificate of the same Class of like principal to the above-named assignee and deliver such Certificate to the following
address:

 

 

 

 

 

 

 

	Dated: __________________________________________	 	 
	 	 	Signature by or on behalf of Assignor
	 	 	 
	 	 	 
	Authorized Officer	 	Signature Guaranteed
	 	 	 
	 	 	 
	Name of Institution	 	NOTICE: The signature(s) of this assignment must correspond with the name(s) on the face of this Certificate without alteration or any change whatsoever.  The signature must be guaranteed by a participant in the Securities Transfer Agents Medallion Program, the New York Stock Exchange Medallion Signature Program or the Stock Exchanges Medallion Program.  Notarized or witnessed signatures are not acceptable as guaranteed signatures.

  

    	 

    	 

    

 

DISTRIBUTION
INSTRUCTIONS

 

The assignee should
include the following for the information of the Certificate Registrar. Distributions shall be made by wire transfer in immediately
available funds to

 

	 

 

for the account of _____________________________________________________________________________________

 

account number _______________________
or, if mailed by check, to ___________________________________________

 

	 

 

Applicable reports and statements should
be mailed to _______________________________________________________

 

	 

 

This information is
provided by _________________________________________________________________

 

the assignee named above, or ______________________________________
as its agent.

 

    	 

    	 

    

 

THIS CERTIFICATE IS A REMIC RESIDUAL INTEREST
CERTIFICATE. THIS CERTIFICATE DOES NOT EVIDENCE AN OBLIGATION OF, OR AN INTEREST IN, AND IS NOT GUARANTEED BY, THE DEPOSITOR, THE
TRUSTEE, THE SECURITIES ADMINISTRATOR, THE MASTER SERVICER OR ANY AFFILIATE OF ANY OF THEM AND IS NOT INSURED OR GUARANTEED BY
ANY GOVERNMENTAL AGENCY OR PRIVATE INSURER.

 

THIS CERTIFICATE HAS NOT BEEN REGISTERED
UNDER THE SECURITIES ACT OF 1933, AS AMENDED (THE "1933 ACT"), OR ANY STATE SECURITIES LAWS. NEITHER THIS CERTIFICATE
NOR ANY INTEREST OR PARTICIPATION HEREIN MAY BE REOFFERED, SOLD, ASSIGNED, TRANSFERRED, PLEDGED, ENCUMBERED OR OTHERWISE DISPOSED
OF IN THE ABSENCE OF SUCH REGISTRATION, UNLESS SUCH TRANSACTION IS EXEMPT FROM, OR NOT SUBJECT TO, REGISTRATION.

 

THE HOLDER OF THIS CERTIFICATE BY ITS ACCEPTANCE
HEREOF AGREES TO OFFER, SELL OR OTHERWISE TRANSFER SUCH CERTIFICATE ONLY (A) PURSUANT TO A REGISTRATION STATEMENT WHICH HAS BEEN
DECLARED EFFECTIVE UNDER THE 1933 ACT, (B) TO PERSON IT REASONABLY BELIEVES IS A "QUALIFIED INSTITUTIONAL BUYER" AS DEFINED
IN RULE 144A UNDER THE 1933 ACT THAT PURCHASES FOR ITS OWN ACCOUNT OR FOR THE ACCOUNT OF A QUALIFIED INSTITUTIONAL BUYER TO WHOM
NOTICE IS GIVEN THAT THE TRANSFER IS BEING MADE IN RELIANCE ON RULE 144A, OR (C) TO AN INSTITUTIONAL "ACCREDITED INVESTOR"
WITHIN THE MEANING OF SUBPARAGRAPH (A)(1), (2), (3) OR (7) OF RULE 501 UNDER THE 1933 ACT THAT IS ACQUIRING THE CERTIFICATE FOR
ITS OWN ACCOUNT, OR FOR THE ACCOUNT OF SUCH AN INSTITUTIONAL "ACCREDITED INVESTOR," FOR INVESTMENT PURPOSES AND NOT WITH
A VIEW TO, OR FOR OFFER OR SALE IN CONNECTION WITH, ANY DISTRIBUTION VIOLATION OF THE 1933 ACT, SUBJECT TO THE CERTIFICATE REGISTRAR'S
RIGHT PRIOR TO ANY SUCH OFFER, SALE OR TRANSFER TO REQUIRE THE DELIVERY OF A CERTIFICATE OF TRANSFER IN THE FORM APPEARING IN THE
POOLING AND SERVICING AGREEMENT.

 

ANY RESALE, TRANSFER OR OTHER DISPOSITION
OF THIS CERTIFICATE MAY BE MADE ONLY IF THE PROPOSED TRANSFEREE PROVIDES A TRANSFER AFFIDAVIT TO THE DEPOSITOR AND THE TRUSTEE
THAT (1) SUCH TRANSFEREE IS NOT EITHER (A) THE UNITED STATES, ANY STATE OR POLITICAL SUBDIVISION THEREOF, ANY FOREIGN GOVERNMENT,
ANY INTERNATIONAL ORGANIZATION, OR ANY AGENCY OR INSTRUMENTALITY OF ANY OF THE FOREGOING, (B) ANY ORGANIZATION (OTHER THAN A COOPERATIVE
DESCRIBED IN SECTION 521 OF THE CODE) WHICH IS EXEMPT FROM THE TAX IMPOSED BY CHAPTER 1 OF THE CODE UNLESS SUCH ORGANIZATION IS
SUBJECT TO THE TAX IMPOSED BY SECTION 511 OF THE CODE, (C) ANY ORGANIZATION DESCRIBED IN SECTION 1381(a)(2)(C) OF THE CODE, (D)
AN ELECTING LARGE-PARTNERSHIP WITHIN THE MEANING OF SECTION 775 OF THE CODE (ANY SUCH PERSON DESCRIBED IN THE FOREGOING CLAUSES
(A), (B), (C) OR (D) BEING HEREINAFTER REFERRED TO AS A “DISQUALIFIED ORGANIZATION”), OR (E) AN AGENT OF A DISQUALIFIED
ORGANIZATION AND (2) NO PURPOSE OF SUCH TRANSFER IS TO ENABLE THE TRANSFEROR TO IMPEDE THE ASSESSMENT OR COLLECTION OF TAX. SUCH
AFFIDAVIT SHALL INCLUDE CERTAIN REPRESENTATIONS AS TO THE FINANCIAL CONDITION OF THE PROPOSED TRANSFEREE AND ITS STATUS AS A NON-US
PERSON (IF APPLICABLE). NOTWITHSTANDING THE REGISTRATION IN THE CERTIFICATE REGISTER OF ANY TRANSFER, SALE OR OTHER DISPOSITION
OF THIS CLASS LT-R CERTIFICATE TO A DISQUALIFIED ORGANIZATION OR AN AGENT OF A DISQUALIFIED ORGANIZATION, SUCH REGISTRATION SHALL
BE DEEMED TO BE OF NO LEGAL FORCE OR EFFECT WHATSOEVER AND SUCH PERSON SHALL NOT BE DEEMED TO BE A CERTIFICATEHOLDER FOR ANY PURPOSE
HEREUNDER, INCLUDING, BUT NOT LIMITED TO, THE RECEIPT OF DISTRIBUTIONS ON THIS CERTIFICATE. EACH HOLDER OF THE CLASS LT-R CERTIFICATE
BY ACCEPTANCE OF THIS CERTIFICATE SHALL BE DEEMED TO HAVE CONSENTED TO THE PROVISIONS OF THIS PARAGRAPH.

 

    	 

    	 

    
 

NO TRANSFER OF THIS CERTIFICATE OR ANY
INTEREST THEREIN SHALL BE MADE TO ANY EMPLOYEE BENEFIT PLAN OR OTHER PLAN OR ARRANGEMENT SUBJECT TO THE PROHIBITED TRANSACTION
PROVISIONS OF THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED (“ERISA”), OR SECTION 4975 OF THE CODE,
OR ANY PERSON (INCLUDING AN INSURANCE COMPANY INVESTING ITS GENERAL ACCOUNT, AN INVESTMENT MANAGER, A NAMED FIDUCIARY OR A TRUSTEE
OF ANY SUCH PLAN) WHO IS USING “PLAN ASSETS” OF ANY SUCH PLAN TO EFFECT SUCH ACQUISITION. EACH INVESTOR IN THIS CERTIFICATE
WILL BE DEEMED TO REPRESENT THAT IT IS IN COMPLIANCE WITH THE FOREGOING AND WILL BE FURTHER DEEMED TO REPRESENT, WARRANT AND COVENANT
THAT IT WILL NOT SELL, PLEDGE OR OTHERWISE TRANSFER SUCH ERISA-RESTRICTED CERTIFICATE IN VIOLATION OF THE FOREGOING.

 

ANY PURPORTED CERTIFICATE OWNER WHOSE ACQUISITION
OR HOLDING OF THIS CERTIFICATE (OR INTEREST THEREIN) WAS EFFECTED IN VIOLATION OF THE RESTRICTIONS IN SECTION 3.03 OF THE AGREEMENT
SHALL INDEMNIFY AND HOLD HARMLESS THE CERTIFICATE REGISTRAR, THE DEPOSITOR, THE TRUSTEE AND THE TRUST FUND FROM AND AGAINST ANY
AND ALL LIABILITIES, CLAIMS, COSTS OR EXPENSES INCURRED BY SUCH PARTIES AS A RESULT OF SUCH ACQUISITION OR HOLDING.

 

 

    	2

    	 

    
 

SEQUOIA MORTGAGE TRUST 2013-1

MORTGAGE PASS-THROUGH CERTIFICATES, CLASS
LT-R

 

Evidencing a beneficial interest in a pool of residential
mortgage loans and any other assets established by

 

SEQUOIA RESIDENTIAL FUNDING, INC.

 

	Percentage Interest of this	 
	Certificate: 100%	 
	 	Cut-off Date: January 1, 2013
	Certificate Interest Rate: Adjustable	 
	 	 
	Final Scheduled Distribution	 
	Date: February 2043	 
	 	CUSIP:  81744W AL4
	NUMBER 1	 

  

    	3

    	 

    

 

THIS CERTIFIES THAT
BARCLAYS CAPITAL INC. is the registered owner of the Percentage Interest evidenced by this Certificate in a Trust Fund, the assets
of which consist of the Mortgage Loans and all interest and principal received thereon after the Cut-off Date (other than Scheduled
Payments due on or prior to the Cut-off Date), the rights of the Seller and the Depositor assigned to the Trustee under each Purchase
Agreement, each Servicing Agreement, the Mortgage Loan Purchase and Sale Agreement, the Insurance Policies relating to the Mortgage
Loans, all cash, instruments or property held or required to be held in the Custodial Accounts and the Distribution Account and
property that secured a Mortgage Loan; and certain other assets, if any, as described in the Pooling and Servicing Agreement (the
foregoing assets hereinafter collectively referred to as the “Trust Fund”).

 

Distributions on this
Certificate will be made on the 25th day of each month or, if such day is not a Business Day, then on the succeeding Business Day,
commencing in February 2013 (each, a “Distribution Date”), to the Person in whose name this Certificate is registered
at the close of business on the last Business Day preceding such Distribution Date (the “Record Date”), in an amount
equal to the product of the Percentage Interest evidenced by this Certificate and the amount, if any, required to be distributed
to all Certificates of the Class represented by this Certificate. All sums distributable on this Certificate are payable in the
coin or currency of the United States of America which at the time of payment is legal tender for the payment of public and private
debts.

 

Reference is hereby
made to the further provisions of this Certificate set forth on the reverse hereof, which shall have the same effect as though
fully set forth on the face of this Certificate.

 

Unless the certificate
of authentication hereon has been executed by or on behalf of the Authenticating Agent, whose name appears below by manual signature,
this Certificate shall not be entitled to any benefit under the Pooling and Servicing Agreement or be valid for any purpose.

 

    	4

    	 

    

 

IN WITNESS WHEREOF,
Christiana Trust, a division of Wilmington Savings Fund Society, FSB, as Trustee, has caused this Certificate to be duly executed.

 

	 	CHRISTIANA TRUST, A DIVISION OF WILMINGTON SAVINGS FUND SOCIETY, FSB,
	 	 	as Trustee
	 	 	 
	 	By: 	 	 
	 	 	AUTHORIZED SIGNATORY
	 	 	 
	 	Dated:	 	 

 

CERTIFICATE AUTHENTICATION

 

This is one of the
Certificates referred to in the within-mentioned Pooling and Servicing Agreement.

 

	 	WELLS FARGO BANK, N.A.,
	 	 	as Authenticating Agent
	 	 	 
	 	By: 	 	 
	 	 	AUTHORIZED SIGNATORY
	 	 	 
	 	Dated:	 	 

 

    	5

    	 

    

 

SEQUOIA MORTGAGE TRUST 2013-1

MORTGAGE PASS-THROUGH CERTIFICATE

 

This Certificate is
one of a duly authorized issue of certificates designated as Sequoia Mortgage Trust 2013-1 Mortgage Pass-Through Certificates (the
“Certificates”), representing all or part of a beneficial ownership interest in a Trust Fund established pursuant to
a Pooling and Servicing Agreement, dated as of January 1, 2013 (the “Pooling and Servicing Agreement”), among Sequoia
Residential Funding, Inc., as depositor (the “Depositor”), Wells Fargo Bank, N.A., as master servicer (in such capacity,
the “Master Servicer”) and as securities administrator (in such capacity, the “Securities Administrator”)
and Christiana Trust, a division of Wilmington Savings Fund Society, FSB, as trustee (the “Trustee”), to which terms,
provisions and conditions thereof the Holder of this Certificate by virtue of the acceptance hereof assents, and by which such
Holder is bound. Except as otherwise defined herein, all capitalized terms used herein shall have the meanings ascribed to them
in the Pooling and Servicing Agreement. The Certificates consist of the following Classes: Class 1-A1, Class 1-AX, Class 2-A1,
Class 2-AX, Class R, Class LT-R, Class B-1, Class B-2, Class B-3, Class B-4, and Class B-5.

 

On each Distribution
Date, the Paying Agent, on behalf of the Trustee, will make distributions from the Distribution Account to the Holders of Certificates
according to the terms of the Pooling and Servicing Agreement. All distributions or allocations made with respect to each Class
of Certificates on each Distribution Date shall be allocated among the outstanding Certificates of such Class based on the Certificate
Principal Amount (or Notional Amount) of each such Certificate.

 

Distributions on this
Certificate will be made by check mailed to the Holder of record of this Certificate on the immediately preceding Record Date at
the address of such Holder as it appears on the Certificate Register or, upon written request made to the Securities Administrator
at least five Business Days prior to the related Record Date, by any Certificateholder owning an aggregate initial Certificate
Principal Amount of at least $1,000,000 or, in the case of any Residual Certificate, a Percentage Interest of 100%, by wire transfer
in immediately available funds to an account specified in such request and at the expense of such Certificateholder requesting
such wire transfer by deducting a wire transfer fee from the related distribution; provided, however, that the final distribution
in respect of any Certificate shall be made only upon presentation and surrender of such Certificate at the Corporate Trust Office
(as defined below); provided, further, that the foregoing provisions shall not apply to any Certificate as long as such Certificate
remains a Book-Entry Certificate, in which case all payments made shall be made through the Clearing Agency and its Clearing Agency
Participants. Notwithstanding such final payment of principal of any of the Certificates, each Residual Certificate will remain
outstanding until the termination of the related REMIC or REMICs and the payment in full of all other amounts due with respect
to the Residual Certificates and at such time such final payment in retirement of any Residual Certificate will be made only upon
presentation and surrender of such Certificate at the Corporate Trust Office.

 

The Corporate Trust
Office with respect to the presentment and surrender of Certificates for the final distribution thereon is the corporate trust
office of the Certificate Registrar at Sixth Street and Marquette Avenue, Minneapolis, Minnesota 55479, Attention: Corporate Trust
Services — Sequoia Mortgage Trust 2013-1 or at such other address as the Securities Administrator may designate from time
to time.

 

    	6

    	 

    
 

The Pooling and Servicing
Agreement may be amended by the Trustee, the Master Servicer, the Securities Administrator, and the Depositor with the consent
of the Holders of not less than 66-2/3% of the Class Principal Amount or Class Notional Amount (or Percentage Interest) 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 the Pooling and Servicing Agreement or of modifying in any manner the rights of the Holders; provided, however,
that no such amendment shall be made unless the Trustee and the Securities Administrator receive an Opinion of Counsel, at the
expense of the party requesting the change, that such change will not cause an Adverse REMIC Event; and provided further, that
no such amendment may (i) reduce in any manner the amount of, or delay the timing of, payments received on Mortgage Loans which
are required to be distributed on any Certificate, without the consent of the Holder of such Certificate or (ii) reduce the aforesaid
percentages of Class Principal Amount or Class Notional Amount (or Percentage Interest) of Certificates of each Class, the Holders
of which are required to consent to any such amendment without the consent of the Holders of 100% of the Class Principal Amount
or Class Notional Amount (or Percentage Interest) of each Class of Certificates affected thereby.  For purposes of this
paragraph, references to “Holder” or “Holders” shall be deemed to include, in the case of any Class of
Book-Entry Certificates, the related Certificate Owners. Any consent by the Holder of this Certificate
will be conclusive and binding upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof
or in exchange herefor or in lieu hereof whether or not consent is made with respect to such Certificate. The Pooling and Servicing
Agreement also permits the amendment thereof in certain limited circumstances without the consent of the Holders.

 

As provided in the
Pooling and Servicing Agreement and subject to certain limitations therein set forth, the transfer of this Certificate is registerable
in the Certificate Register upon surrender of this Certificate for registration of transfer at the Corporate Trust Office, duly
endorsed by, or accompanied by a written instrument of transfer in form satisfactory to, the Certificate Registrar duly executed
by the Holder thereof or such Holder’s attorney duly authorized in writing, and thereupon one or more new Certificates of
the same Class of authorized denominations evidencing the same initial Certificate Principal Amount (or Notional Amount) will be
issued to the designated transferee or transferees. As provided in the Pooling and Servicing Agreement and subject to certain limitations
therein set forth, this Certificate is exchangeable for new Certificates of the same Class evidencing the same aggregate initial
Certificate Principal Amount (or Notional Amount) as requested by the Holder surrendering the same. No service charge will be made
for any such registration of transfer or exchange, but 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 exchange of Certificates.

 

The Class 1-A1, Class
2-A1, Class B-1, Class B-2, Class B-3, Class B-4, and Class B-5 Certificates are issuable only in registered
form in minimum denominations of $100,000 in initial Certificate Principal Amount and the Class 1-AX and Class 2-AX Certificates
are issuable only in registered form in minimum denominations of $1,000,000 in initial Certificate Notional Amount, in each case,
in integral multiples of $1 in excess thereof and, in the case of the Class 1-A1, Class 1-AX, Class 2-A1, Class 2-AX, Class B-1,
Class B-2 and Class B-3 Certificates, will be registered in the name of the nominee of the Clearing Agency, which shall maintain
such Certificates through its book-entry facilities and, in the case of the Class B-4 and Class B-5 Certificates, will be maintained
in physical form. The Class R and Class LT-R Certificates will each be issued as a single Certificate representing the entire Percentage
Interest in that Class and will be maintained in physical form. The Certificates shall remain outstanding until the final Distribution
Date for the Certificates.

 

    	7

    	 

    
 

On any date on which
the Aggregate Stated Principal Balance of the Mortgage Loans has declined to less than 10% of the initial Aggregate Stated Principal
Balance of the Mortgage Loans as of the Cut-off Date, subject to satisfaction of the conditions described in the Pooling and Servicing
Agreement, the Master Servicer may purchase all of the Mortgage Loans from the Trust Fund, thereby causing an early retirement
of the Certificates.

 

In no event will the
trust created by the Pooling and Servicing Agreement continue beyond the expiration of 21 years from the death of the last survivor
of the descendants living at the date of the Pooling and Servicing Agreement of a certain person named in the Pooling and Servicing
Agreement.

 

The Depositor, the
Trustee, the Securities Administrator, the Master Servicer, the Certificate Registrar and any agent of any of them may treat the
Person in whose name this Certificate is registered as the owner hereof for all purposes, and none of the Depositor, the Trustee,
the Securities Administrator, the Master Servicer, the Certificate Registrar or any such agent shall be affected by any notice
to the contrary.

 

As provided in the
Pooling and Servicing Agreement, this Certificate and the Pooling and Servicing Agreement shall be construed in accordance with
and governed by the laws of the State of New York without regard to the conflict of laws principles applied in the State of New
York. In the event of any conflict between the provisions of this Certificate and the Pooling and Servicing Agreement, the Pooling
and Servicing Agreement shall be controlling.

 

    	8

    	 

    

 

ASSIGNMENT

 

FOR VALUE RECEIVED, the undersigned hereby sell(s) and assign(s)
and transfer(s) unto

 

	 
	 
	 

(Please print or type name and address, including postal zip
code, of assignee and social security number or employer identification number)

 

	 

the within Certificate stating in the names of the undersigned
in the Certificate Register and does hereby irrevocably constitute and appoint

 

	 

to transfer such Certificate in such Certificate Register.

 

I [we] further direct the Certificate Registrar to issue
a new Certificate of the same Class of like principal to the above-named assignee and deliver such Certificate to the following
address:

 

 

 

 

 

 

 

	Dated: __________________________________________	 	 
	 	 	Signature by or on behalf of Assignor
	 	 	 
	Authorized Officer	 	Signature Guaranteed
	 	 	 
	 	 	 
	Name of Institution	 	NOTICE: The signature(s) of this assignment must correspond with the name(s) on the face of this Certificate without alteration or any change whatsoever.  The signature must be guaranteed by a participant in the Securities Transfer Agents Medallion Program, the New York Stock Exchange Medallion Signature Program or the Stock Exchanges Medallion Program.  Notarized or witnessed signatures are not acceptable as guaranteed signatures.

  

    	 

    	 

    

 

DISTRIBUTION
INSTRUCTIONS

 

The assignee should
include the following for the information of the Certificate Registrar. Distributions shall be made by wire transfer in immediately
available funds to

 

	 

 

for the account of _____________________________________________________________________________________

 

account number _______________________
or, if mailed by check, to ___________________________________________

 

	 

 

Applicable reports and statements should
be mailed to _______________________________________________________

 

	 

 

This information is
provided by _________________________________________________________________

 

the assignee named above, or ______________________________________
as its agent.

  

    	 

    	 

    

 

EXHIBIT B

 

FORM OF RESIDUAL CERTIFICATE TRANSFER AFFIDAVIT
(TRANSFEREE)

 

	 STATE OF	)
	 	)           ss.:
	 COUNTY OF	)

 

[NAME OF OFFICER], _________________ being
first duly sworn, deposes and says:

 

	 	1.	That he [she] is [title of officer] ________________________ of [name of Purchaser] _________________________________________ (the “Purchaser”), a _______________________ [description of type of entity] duly organized and existing under the laws of the [State of __________] [United States], on behalf of which he [she] makes this affidavit.

 

	 	2.	That the Purchaser’s Taxpayer Identification Number is [           ].

 

	 	3.	That the Purchaser is not a “disqualified organization” within the meaning of Section 860E(e)(5) of the Internal Revenue Code of 1986, as amended (the “Code”) and will not be a “disqualified organization” as of [date of transfer], and that the Purchaser is not acquiring a Residual Certificate (as defined in the Agreement) for the account of, or as agent (including a broker, nominee, or other middleman) for, any person or entity from which it has not received an affidavit substantially in the form of this affidavit.  For these purposes, a “disqualified organization” means the United States, any state or political subdivision thereof, any foreign government, any international organization, any agency or instrumentality of any of the foregoing (other than an instrumentality if all of its activities are subject to tax and a majority of its board of directors is not selected by such governmental entity), any cooperative organization furnishing electric energy or providing telephone service to persons in rural areas as described in Code Section 1381(a)(2)(C), any “electing large partnership” within the meaning of Section 775 of the Code, or any organization (other than a farmers’ cooperative described in Code Section 521) that is exempt from federal income tax unless such organization is subject to the tax on unrelated business income imposed by Code Section 511.

 

	 	4.	That the Purchaser is not, and on __________________ [date of transfer] will not be, an employee benefit plan or other retirement arrangement subject to Section 406 of the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), or Section 4975 of the Code (“Code”), (collectively, a “Plan”) or a person acting on behalf of any such Plan or investing the assets of any such Plan to acquire a Residual Certificate.
	 	 	 
	 	5.	That the Purchaser hereby acknowledges that under the terms of the Pooling and Servicing Agreement, dated as of January 1, 2013 (the “Agreement”), by and among Sequoia Residential Funding, Inc., as Depositor, Wells Fargo Bank, N.A., as Master Servicer and Securities Administrator and Christiana Trust, a division of Wilmington Savings Fund Society, FSB, as Trustee with respect to Sequoia Mortgage Trust 2013-1 Mortgage Pass-Through Certificates, no transfer of the Residual Certificates shall be permitted to be made to any person unless the Certificate Registrar has received a certificate from such transferee containing the representations in paragraphs 3 and 4 hereof.

 

    	B-1

    	 

    

 

	 	6.	That the Purchaser does not hold REMIC residual securities as nominee to facilitate the clearance and settlement of such securities through electronic book-entry changes in accounts of participating organizations (such entity, a “Book-Entry Nominee”).

 

	 	7.	That the Purchaser does not have the intention to impede the assessment or collection of any federal, state or local taxes legally required to be paid with respect to such Residual Certificate.

 

	 	8.	That the Purchaser will not transfer a Residual Certificate to any person or entity (i) as to which the Purchaser has actual knowledge that the requirements set forth in paragraph 3, paragraph 6 or paragraph 10 hereof are not satisfied or that the Purchaser has reason to believe does not satisfy the requirements set forth in paragraph 7 hereof, and (ii) without obtaining from the prospective Purchaser an affidavit substantially in this form and providing to the Certificate Registrar a written statement substantially in the form of Exhibit C to the Agreement.

 

	 	9.	That the Purchaser understands that, as the holder of a Residual Certificate, the Purchaser may incur tax liabilities in excess of any cash flows generated by the interest and that the Purchaser has and expects to have sufficient net worth and/or liquidity to pay in full any tax liabilities attributable to ownership of a Residual Certificate and intends to pay taxes associated with holding such Residual Certificate as they become due.

 

	 	10.	That the Purchaser (i) is not a Non-U.S. Person or (ii) is a Non-U.S. Person that holds a Residual Certificate in connection with the conduct of a trade or business within the United States and has furnished the transferor and the Certificate Registrar with an effective Internal Revenue Service Form W-8ECI (Certificate of Foreign Person’s Claim for Exemption From Withholding on Income Effectively Connected With the Conduct of a Trade or Business in the United States) or successor form at the time and in the manner required by the Code or (iii) is a Non-U.S. Person that has delivered to the transferor, the Depositor and the Certificate Registrar an opinion of a nationally recognized tax counsel to the effect that the transfer of such Residual Certificate to it is in accordance with the requirements of the Code and the regulations promulgated thereunder and that such transfer of a Residual Certificate will not be disregarded for federal income tax purposes.  “Non-U.S. Person” means an individual, corporation, partnership or other person other than (i) a citizen or resident of the United States; (ii) a corporation, partnership or other entity created or organized in or under the laws of the United States or any state thereof, including for this purpose, the District of Columbia; (iii) an estate that is subject to U.S. federal income tax regardless of the source of its income; (iv) a trust if a court within the United States is able to exercise primary supervision over the administration of the trust and one or more United States trustees have authority to control all substantial decisions of the trust; and, (v) to the extent provided in Treasury regulations, certain trusts in existence on August 20, 1996 that are treated as United States persons prior to such date and elect to continue to be treated as United States persons.

 

	 	11.	The Purchaser will not cause income from the Residual Certificate to be attributable to a foreign permanent establishment or fixed base of the Purchaser or another U.S. taxpayer.

 

	 	12.	That the Purchaser agrees to such amendments of the Agreement as may be required to further effectuate the restrictions on transfer of any Residual Certificate to such a “disqualified organization,” an agent thereof, a Book-Entry Nominee, or a person that does not satisfy the requirements of paragraph 7 and paragraph 10 hereof.

 

	 	13.	That the Purchaser consents to the designation of the Securities Administrator to act as agent for the “tax matters person” of each REMIC created by the Trust Fund pursuant to the Agreement.

 

    	B-2

    	 

    

 

IN WITNESS WHEREOF, the Purchaser has caused
this instrument to be executed on its behalf, pursuant to authority of its Board of Directors, by its [title of officer] this _____
day of __________ 20__.

 

	 	 
	[name of Purchaser]	 

 

	By:	 	 
	Name:
	Title:

 

Personally appeared before me the above-named
[name of officer] ________________, known or proved to me to be the same person who executed the foregoing instrument and to be
the [title of officer] _________________ of the Purchaser, and acknowledged to me that he [she] executed the same as his [her]
free act and deed and the free act and deed of the Purchaser.

 

Subscribed and sworn before me this _____
day of __________ 20__.

 

NOTARY PUBLIC

 

______________________________

 

COUNTY
OF_____________________

 

STATE OF______________________

 

My commission expires the _____ day of __________ 20__.

 

    	B-3

    	 

    

 

EXHIBIT C

 

RESIDUAL CERTIFICATE TRANSFER AFFIDAVIT
(TRANSFEROR)

 

	 	 
	Date

 

		Re:	Sequoia Mortgage Trust 2013-1

Mortgage Pass-Through Certificates

 

_______________________ (the “Transferor”)
has reviewed the attached affidavit of _____________________________ (the “Transferee”), and has no actual knowledge
that such affidavit is not true and has no reason to believe that the information contained in paragraph 7 thereof is not true,
and has no reason to believe that the Transferee has the intention to impede the assessment or collection of any federal, state
or local taxes legally required to be paid with respect to a Residual Certificate.  In addition, the Transferor has conducted
a reasonable investigation at the time of the transfer and found that the Transferee had historically paid its debts as they came
due and found no significant evidence to indicate that the Transferee will not continue to pay its debts as they become due.

 

Very truly yours,

 

	 	 
	Name:	 
	Title:	 

 

    	C-1

    	 

    

 

EXHIBIT D

 

FORM OF CUSTODIAL AGREEMENT

 

See Exhibit 10.21

 

    	D-2

    	 

    

 

EXHIBIT E-1

 

FORM OF RULE 144A TRANSFER CERTIFICATE

 

Re:          Sequoia
Mortgage Trust 2013-1

Mortgage Pass-Through Certificates

  

Reference is hereby made to the Pooling
and Servicing Agreement, dated as of January 1, 2013 (the “Pooling and Servicing Agreement”), by and among Sequoia
Residential Funding, Inc., as Depositor, Wells Fargo Bank, N.A., as Master Servicer and Securities Administrator and Christiana
Trust, a division of Wilmington Savings Fund Society, FSB, as Trustee.  Capitalized terms used but not defined herein
shall have the meanings given to them in the Pooling and Servicing Agreement.

 

This letter relates to $__________ initial
Certificate Principal Amount or Class Notional Amount, as applicable, of Class _____ Certificates which are held in the form
of Definitive Certificates registered in the name of  ______________ (the “Transferor”). The Transferor has
requested a transfer of such Definitive Certificates for Definitive Certificates of such Class registered in the name of [insert
name of transferee].

 

In connection with such request, and in
respect of such Certificates, the Transferor hereby certifies that such Certificates are being transferred in accordance with (i)
the transfer restrictions set forth in the Pooling and Servicing Agreement and the Certificates and (ii) Rule 144A under the Securities
Act to a purchaser that the Transferor reasonably believes is a “qualified institutional buyer” within the meaning
of Rule 144A purchasing for its own account or for the account of a “qualified institutional buyer,” which purchaser
is aware that the sale to it is being made in reliance upon Rule 144A, in a transaction meeting the requirements of Rule 144A and
in accordance with any applicable securities laws of any state of the United States or any other applicable jurisdiction.

 

This certificate and the statements contained
herein are made for your benefit and the benefit of the Underwriters, the Depositor and the Certificate Registrar.

 

	 	 
	[Name of Transferor]	 

 

	By:	 	 
	Name:	 
	Title:	 

 

Dated: ___________, ____

 

    	E-1-1

    	 

    

 

EXHIBIT E-2

 

FORM OF PURCHASER’S LETTER FOR

QUALIFIED INSTITUTIONAL BUYER

                                

Date

 

Ladies and Gentlemen:

 

In connection with our proposed purchase
of $______________Class Principal Amount or Class Notional Amount, as applicable, of Sequoia Mortgage Trust 2013-1 Mortgage Pass-Through
Certificates, Class [___] (the “Restricted Certificates”), we confirm that:

 

	(1)	We understand that the Restricted Certificates have not been, and will not be, registered under the Securities Act of 1933, as amended (the “Securities Act”), and may not be sold except as permitted in the following sentence. We agree, on our own behalf and on behalf of any accounts for which we are acting as hereinafter stated, that if we should sell any Restricted Certificates we will do so only (A) to the Depositor, (B) to “qualified institutional buyers” (within the meaning of Rule 144A under the Securities Act) in accordance with Rule 144A under the Securities Act (“QIBs”), (C) pursuant to the exemption from registration provided by Rule 144 under the Securities Act, or (D) to an institutional “accredited investor” within the meaning of Rule 501(a)(1), (2), (3) or (7) of Regulation D under the Securities Act that is not a QIB (an “Institutional Accredited Investor”) which, in the case of (B) or (D) above, prior to such transfer, delivers to the Certificate Registrar under the Pooling and Servicing Agreement, dated as of January 1, 2013 (the “Agreement”), by and among Sequoia Residential Funding, Inc., as Depositor, Wells Fargo Bank, N.A., as Master Servicer and Securities Administrator and Christiana Trust, a division of Wilmington Savings Fund Society, FSB, as Trustee, a signed letter in the form of this letter; and we further agree, in the capacities stated above, to provide to any person purchasing any of the Restricted Certificates from us a notice advising such purchaser that resales of the Restricted Certificates are restricted as stated herein.

 

	(2)	We understand that, in connection with any proposed resale of any Restricted Certificates to QIB, we will be required to furnish to the Certificate Registrar a certification from such transferee in the form hereof to confirm that the proposed sale is being made pursuant to an exemption from, or in a transaction not subject to, the registration requirements of the Securities Act. We further understand that the Restricted Certificates purchased by us will bear a legend to the foregoing effect.

 

	(3)	We are acquiring the Restricted Certificates for investment purposes and not with a view to, or for offer or sale in connection with, any distribution in violation of the Securities Act. We have such knowledge and experience in financial and business matters as to be capable of evaluating the merits and risks of our investment in the Restricted Certificates, and we and any account for which we are acting are each able to bear the economic risk of such investment.

 

	(4)	We are a QIB and we are acquiring the Restricted Certificates purchased by us for our own account or for one or more accounts (each of which is a QIB) as to each of which we exercise sole investment discretion.

 

	(5)	We have received such information as we deem necessary in order to make our investment decision.

 

    	E-2-1

    	 

    

 

	(6)	If we are acquiring ERISA-Restricted Certificates, we understand that in accordance with ERISA, the Code and the Underwriter's Exemption, no Plan and no person acting on behalf of such a Plan may acquire such Certificate except in accordance with Section 3.03(d) of the Agreement.

 

Terms used in this letter which are not
otherwise defined herein have the respective meanings assigned thereto in the Agreement.

  

You are entitled to rely upon this letter
and are irrevocably authorized to produce this letter or a copy hereof to any interested party in any administrative or legal proceeding
or official inquiry with respect to the matters covered hereby.

 

Very truly yours,

 

	 	 
	[Purchaser]	 

 

	By: 	 	 
	Name:
	Title:

 

    	E-2-2

    	 

    

 

EXHIBIT F

 

FORM OF PURCHASER’S LETTER FOR

INSTITUTIONAL ACCREDITED INVESTOR

  

Date

 

Ladies and Gentlemen:

 

In connection with our proposed purchase
of $______________ Class Principal Amount or Class Notional Amount, as applicable, of Sequoia Mortgage Trust 2013-1 Mortgage Pass-Through
Certificates, Class [___], (the “Restricted Certificates”), we confirm that:

 

	(1)	We understand that the Restricted Certificates have not been, and will not be, registered under the Securities Act of 1933, as amended (the “Securities Act”), and may not be sold except as permitted in the following sentence. We agree, on our own behalf and on behalf of any accounts for which we are acting as hereinafter stated, that if we should sell any Restricted Certificates we will do so only (A) to the Depositor, (B) to “qualified institutional buyers” (within the meaning of Rule 144A under the Securities Act) in accordance with Rule 144A under the Securities Act (“QIBs”), (C) pursuant to the exemption from registration provided by Rule 144 under the Securities Act, or (D) to an institutional “accredited investor” within the meaning of Rule 501(a)(1), (2), (3) or (7) of Regulation D under the Securities Act that is not a QIB (an “Institutional Accredited Investor”) which, prior to such transfer, delivers to the Certificate Registrar under the Pooling and Servicing Agreement, dated as of January 1, 2013 (the “Agreement”), by and among Sequoia Residential Funding, Inc., as Depositor, Wells Fargo Bank, N.A., as Master Servicer and Securities Administrator, and Christiana Trust, a division of Wilmington Savings Fund Society, FSB as Trustee, a signed letter in the form of this letter; and we further agree, in the capacities stated above, to provide to any person purchasing any of the Restricted Certificates from us a notice advising such purchaser that resales of the Restricted Certificates are restricted as stated herein.

 

	(2)	We understand that, in connection with any proposed resale of any Restricted Certificates to an Institutional Accredited Investor, we will be required to furnish to the Certificate Registrar a certification from such transferee in the form hereof to confirm that the proposed sale is being made pursuant to an exemption from, or in a transaction not subject to, the registration requirements of the Securities Act. We further understand that the Restricted Certificates purchased by us will bear a legend to the foregoing effect.

 

	(3)	We are acquiring the Restricted Certificates for investment purposes and not with a view to, or for offer or sale in connection with, any distribution in violation of the Securities Act. We have such knowledge and experience in financial and business matters as to be capable of evaluating the merits and risks of our investment in the Restricted Certificates, and we and any account for which we are acting are each able to bear the economic risk of such investment.

 

	(4)	We are an Institutional Accredited Investor and we are acquiring the Restricted Certificates purchased by us for our own account or for one or more accounts (each of which is an Institutional Accredited Investor) as to each of which we exercise sole investment discretion.

 

	(5)	We have received such information as we deem necessary in order to make our investment decision.

 

	(6)	If we are acquiring ERISA-Restricted Certificates, we understand that in accordance with ERISA, the Code and the Underwriter's Exemption, no Plan and no person acting on behalf of such a Plan may acquire such Certificate except in accordance with Section 3.03(d) of the Agreement.

 

    	F-1

    	 

    

 

Terms used in this letter which are not
otherwise defined herein have the respective meanings assigned thereto in the Agreement.

 

You are entitled to rely upon this letter
and are irrevocably authorized to produce this letter or a copy hereof to any interested party in any administrative or legal proceeding
or official inquiry with respect to the matters covered hereby.

 

Very truly yours,

 

	 	 
	[Purchaser]

 

	By:	 	 
	Name:
	Title:

 

    	F-2

    	 

    

 

EXHIBIT G

FORM OF ERISA TRANSFER AFFIDAVIT

  

	STATE OF NEW YORK	)
	 	)           ss.:
	COUNTY OF NEW YORK 	)

 

The undersigned, being first duly sworn,
deposes and says as follows:

 

1.      The
undersigned is the ______________________ of ______________ (the “Investor”), a [corporation duly organized] and existing
under the laws of __________, on behalf of which he makes this affidavit.

 

2.      The
Investor either (x) is not, and on ___________ [date of transfer] will not be, an employee benefit plan or other retirement arrangement
subject to Section 406 of the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), or Section 4975
of the Internal Revenue Code of 1986, as amended (the “Code”), (collectively, a “Plan”) or a person acting
on behalf of any such Plan or investing the assets of any such Plan; (y) if the Certificate has been the subject of an ERISA-Qualifying
Underwriting, is an insurance company that is purchasing the Certificate with funds contained in an “insurance company general
account” as defined in Section V(e) of Prohibited Transaction Class Exemption (“PTCE”) 95-60 and the purchase
and holding of the Certificate are covered under Sections I and III of PTCE 95-60; or (z) herewith delivers to the Certificate
Registrar an opinion of counsel (a “Benefit Plan Opinion”) satisfactory to the Certificate Registrar, the Depositor
and the Trustee, and upon which the Certificate Registrar, the Trustee, the Master Servicer, the Depositor and the Securities Administrator
shall be entitled to rely, to the effect that the purchase or holding of such Certificate by the Investor will not constitute or
result in any non-exempt prohibited transactions under Title I of ERISA or Section 4975 of the Code and will not subject the Certificate
Registrar or the Trustee to any obligation in addition to those undertaken by such entities in the Pooling and Servicing Agreement,
dated as of January 1, 2013 (the “Agreement”), by and among Sequoia Residential Funding, Inc., as Depositor, Wells
Fargo Bank, N.A., as Master Servicer and Securities Administrator and Christiana Trust, a division of Wilmington Savings Fund Society,
FSB, as Trustee, by which opinion of counsel shall not be an expense of the Trust Fund or the above parties.

 

Capitalized terms used but not defined herein
have the meanings given in the Agreement.

 

IN WITNESS WHEREOF, the Investor has caused this instrument
to be executed on its behalf, pursuant to proper authority, by its duly authorized officer, duly attested, this ____ day of _______________
20___.

 

	 	 
	[Investor]	 

 

	By: 	 	 
	Name:
	Title:

 

ATTEST:

 

    	G-1

    	 

    

 

	STATE OF	)
	 	)           ss.:
	COUNTY OF	)

 

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 Investor, and acknowledged that he executed the same as his free act and deed and the free act and deed of the Investor.

 

Subscribed and sworn before me this _____
day of _________ 20___.

 

	 	 
	NOTARY PUBLIC

 

My commission expires the

_____ day of __________ 20___.

 

    	G-2

    	 

    

 

EXHIBIT H-1

 

LIST OF PURCHASE AGREEMENTS

 

		1.	Flow Mortgage Loan Purchase and Sale Agreement, dated as of October 1, 2011, between Redwood Residential Acquisition Corporation
(“RRAC”) and American Pacific Mortgage Corporation, as modified by the related Acknowledgement.

 

		2.	Flow Mortgage Loan Purchase and Sale Agreement, dated as of August 1, 2012, between RRAC and Bay Equity, LLC, as modified by
the related Acknowledgement.

 

		3.	Flow Mortgage Loan Purchase and Sale Agreement, dated as of April 1, 2012, between RRAC and Boston Private Bank & Trust
Company, as modified by the related Acknowledgement.

 

		4.	Flow Mortgage Loan Purchase and Sale Agreement, dated as of November 1, 2011, between RRAC and Castle & Cooke Mortgage,
LLC, as modified by the related Acknowledgement.

 

		5.	Flow Mortgage Loan Purchase and Sale Agreement, dated as of October 1, 2011, between RRAC and Cherry Creek Mortgage Co., Inc.,
as modified by the related Acknowledgement.

 

		6.	Flow Mortgage Loan Purchase and Sale Agreement, dated as of August 1, 2011, between RRAC and Cole Taylor Bank, as modified
by the related Acknowledgement.

 

		7.	Flow Mortgage Loan Purchase and Sale Agreement, dated as of February 1, 2012, between RRAC and Colonial Savings, F.A., as modified
by the related Acknowledgement.

 

		8.	Flow Mortgage Loan Purchase and Sale Agreement, dated as of September 1, 2011, between RRAC and Cornerstone Mortgage Company,
as modified by the related Acknowledgement.

 

		9.	Mortgage Loan Purchase Agreement, dated as of November 20, 2012, between Barclays Bank PLC and EverBank, as modified by the
Assignment, Assumption and Recognition Agreement dated as of January 15, 2013 among Barclays Bank PLC, RRAC and EverBank, as further
modified by the related Acknowledgement.

 

		10.	Flow Mortgage Loan Purchase and Sale Agreement, dated as of February 1, 2012, between RRAC and Evergreen Moneysource Mortgage
Company dba Evergreen Home Loans, as modified by the related Acknowledgement.

 

		11.	Flow Mortgage Loan Purchase and Sale Agreement, dated as of February 1, 2012, between RRAC and Fairway Independent Mortgage
Corporation, as modified by the related Acknowledgement.

 

		12.	Flow Mortgage Loan Purchase and Sale Agreement, dated as of March 1, 2012, between RRAC and Fidelity Bank dba Fidelity Bank
Mortgage, as modified by the related Acknowledgement.

 

		13.	Flow Mortgage Loan Sale and Servicing Agreement, dated as of July 1, 2010, between RRAC and First Republic Bank, as modified
by the related Acknowledgement.

 

		14.	Flow Mortgage Loan Purchase and Sale Agreement, dated as of May 23, 2011, between RRAC and Flagstar Capital Markets Corporation,
as modified by the related Acknowledgement.

 

		15.	Flow Mortgage Loan Purchase and Sale Agreement, dated as of August 1, 2011, between RRAC and Franklin American Mortgage Company,
as modified by the related Acknowledgement.

 

		16.	Flow Mortgage Loan Purchase and Sale Agreement, dated as of August 1, 2011, between RRAC and Fremont Bank, as modified by the
related Acknowledgement.

 

    	H-1

    	 

    

 

		17.	Flow Mortgage Loan Purchase and Sale Agreement, dated as of July 1, 2012, between RRAC and GFI Mortgage Bankers, Incorporated,
as modified by the related Acknowledgement.

 

		18.	Flow Mortgage Loan Purchase and Sale Agreement, dated as of October 1, 2011, between RRAC and GuardHill Financial Corporation,
as modified by the related Acknowledgement.

 

		19.	Flow Mortgage Loan Purchase and Sale Agreement, dated as of January 1, 2012, between RRAC and Guild Mortgage Company, as modified
by the related Acknowledgement.

 

		20.	Flow Mortgage Loan Purchase and Sale Agreement, dated as of May 1, 2012, between RRAC and Leader Bank, N.A., as modified by
the related Acknowledgement.

 

		21.	Flow Mortgage Loan Purchase and Sale Agreement, dated as of January 1, 2012, between RRAC and Megastar Financial Corporation,
as modified by the related Acknowledgement.

 

		22.	Flow Mortgage Loan Purchase and Sale Agreement, dated as of February 1, 2012, between RRAC and Monarch Bank, as modified by
the related Acknowledgement.

 

		23.	Flow Mortgage Loan Purchase and Sale Agreement, dated as of June 1, 2012, between RRAC and Mortgage Master, Inc., as modified
by the related Acknowledgement.

 

		24.	Flow Mortgage Loan Purchase and Sale Agreement, dated as of May 1, 2012, between RRAC and Paramount Equity Mortgage, as modified
by the related Acknowledgement.

 

		25.	Mortgage Loan Flow Purchase, Sale & Servicing Agreement, dated as of July 21, 2010, between RRAC and PHH Mortgage Corporation,
as modified by the related Acknowledgement.

 

		26.	Flow Mortgage Loan Purchase and Sale Agreement, dated as of December 1, 2011, between RRAC and Plaza Home Mortgage, Incorporated,
as modified by the related Acknowledgement.

 

		27.	Flow Mortgage Loan Purchase and Sale Agreement, dated as of May 1, 2012, between RRAC and Primary Residential Mortgage, Inc.,
as modified by the related Acknowledgement.

 

		28.	Flow Mortgage Loan Purchase and Sale Agreement, dated as of January 30, 2011, between RRAC and PrimeLending, a PlainsCapital
Company, as modified by the related Acknowledgement.

 

		29.	Mortgage Loan Purchase and Interim Servicing Agreement, dated as of November 16, 2011, between Barclays Bank PLC and PrimeLending,
a PlainsCapital Company, as modified by the Assignment, Assumption and Recognition Agreement dated as of January 15, 2013 among
Barclays Bank PLC, RRAC and PrimeLending, a PlainsCapital Company, as further modified by the related Acknowledgement.

 

		30.	Flow Mortgage Loan Purchase and Sale Agreement, dated as of May 1, 2011, between RRAC and Prospect Mortgage, LLC, as modified
by the related Acknowledgement.

 

		31.	Flow Mortgage Loan Purchase and Sale Agreement, dated as of October 1, 2011, between RRAC and Provident Savings Bank, as modified
by the related Acknowledgement.

 

		32.	Mortgage Loan Purchase and Interim Servicing Agreement, dated as of May 7, 2012, between Barclays Bank PLC and Provident Savings
Bank, as modified by the Assignment, Assumption and Recognition Agreement dated as of January 15, 2013 among Barclays Bank PLC,
RRAC and Provident Savings Bank, as further modified by the related Acknowledgement.

 

		33.	Flow Mortgage Loan Purchase and Sale Agreement, dated as of November 10, 2012, between RRAC and Rockland Trust Company, as
modified by the related Acknowledgement.

 

    	H-2

    	 

    

 

		34.	Flow Mortgage Loan Purchase and Sale Agreement, dated as of August 1, 2011, between RRAC and Simonich Corporation, dba BOC
Mortgage, as modified by the related Acknowledgement.

 

		35.	Flow Mortgage Loan Purchase and Sale Agreement, dated as of March 1, 2011, between RRAC and Sterling Savings Bank, as modified
by the related Acknowledgement.

 

		36.	Flow Mortgage Loan Purchase and Sale Agreement, dated as of October 1, 2011, between RRAC and Stifel Bank and Trust, as modified
by the related Acknowledgement.

 

		37.	Flow Mortgage Loan Purchase and Sale Agreement, dated as of December 1, 2011, between RRAC and United Shore Financial Services,
LLC, as successor in interest to Shore Financial Services, Inc., as modified by the related Acknowledgement.

 

		38.	Flow Mortgage Loan Purchase and Sale Agreement, dated as of June 1, 2011, between RRAC and Wintrust Mortgage, a division of
Barrington Bank and Trust Company, N.A., as modified by the related Acknowledgement.

 

		39.	Flow Mortgage Loan Purchase and Sale Agreement, dated as of July 1, 2012, between RRAC and WJ Bradley Mortgage Capital, LLC,
as modified by the related Acknowledgement.

 

    	H-3

    	 

    

 

EXHIBIT H-2

 

LIST OF SERVICING AGREEMENTS

 

		1.	Flow Mortgage Loan Servicing Agreement, dated as of August 1, 2011, between Redwood Residential Acquisition Corporation (“RRAC”)
and Cenlar FSB, as amended by Amendment No. 1 to the Flow Mortgage Loan Servicing Agreement, dated November 3, 2011, and as modified
by the related Acknowledgement.

 

		2.	Mortgage Loan Purchase Agreement, dated as of November 20, 2012, between Barclays Bank PLC and EverBank, as modified by the
Assignment, Assumption and Recognition Agreement dated as of January 15, 2013 among Barclays Bank PLC, RRAC and EverBank, as further
modified by the related Acknowledgement.

 

		3.	Flow Mortgage Loan Sale and Servicing Agreement, dated as of July 1, 2010, between RRAC and First Republic Bank, as modified
by the related Acknowledgement.

 

		4.	Mortgage Loan Flow Purchase, Sale & Servicing Agreement, dated as of July 21, 2010, between RRAC and PHH Mortgage Corporation,
as modified by the related Acknowledgement.

 

    	H-4

    	 

    

 

EXHIBIT I

 

ADDITIONAL DISCLOSURE NOTIFICATION

 

Additional Disclosure Notification

 

Wells Fargo Bank, N.A., as securities administrator

Fax: 410-715-2380

Email: cts.sec.notifications@wellsfargo.com

 

Sequoia Residential Funding, Inc.

Fax: 415-381-1773

Email: Sequoia.Notices@redwoodtrust.com

 

Attn:  Corporate Trust Services—Sequoia
Mortgage Trust 2013-1, Mortgage Pass-Through Certificates, Series 2013-1—SEC REPORT PROCESSING

 

RE:  **Additional Form [10-D][10-K][8-K] Disclosure**
Required

 

Ladies and Gentlemen:

 

In accordance with Section 6.21[(a)][(b)][(c)]
of the Pooling and Servicing Agreement, dated as of January 1, 2013 (the “Agreement”), by and among Sequoia Residential
Funding, Inc., as Depositor, Wells Fargo Bank, N.A., as Master Servicer and Securities Administrator and Christiana Trust, a division
of Wilmington Savings Fund Society, FSB, as Trustee, with respect to Sequoia Mortgage Trust 2013-1 Mortgage Pass-Through Certificate,
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:	 	 
	Title:	 	 

 

    	I-1

    	 

    

 

EXHIBIT J

 

BACK-UP CERTIFICATE TO FORM 10-K CERTIFICATE

 

Sequoia Mortgage Trust 2013-1 (the “Trust”)

Mortgage Pass-Through Certificates

 

Re:          The
Pooling and Servicing Agreement, dated as of January 1, 2013 (the “Pooling and Servicing Agreement”), by and among
Sequoia Residential Funding, Inc., as Depositor, Wells Fargo Bank, N.A., as Master Servicer and Securities Administrator and Christiana
Trust, a division of Wilmington Savings Fund Society, FSB, as Trustee with respect to Sequoia Mortgage Trust 2013-1 Mortgage Pass-Through
Certificates.

 

I, __________________________, the _________________________
of [NAME OF COMPANY] (the “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 for the fiscal year [____] (the “Annual Report”), and all reports on Form 10-D
required to be filed in respect of period covered by the Annual Report (collectively with the Annual Report, the “Reports”),
of the Trust Fund;

 

(2)         To
my knowledge, (a) the 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 the Annual Report, and (b) the Company’s assessment of compliance and related attestation
report referred to below, 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 such assessment of compliance and attestation report;

 

(3)         To
my knowledge, the distribution information required to be provided by the Company under the Pooling and Servicing Agreement has
been provided to the Securities Administrator for inclusion in the Reports is included in the Reports;

 

(4)         I am
responsible for reviewing the activities performed by the Company under the Pooling and Servicing Agreement, and based on my knowledge
and the compliance review conducted in preparing the assessment of compliance of the Company required by the Pooling and Servicing
Agreement, and except as disclosed in the Reports, the Company has fulfilled its obligations under the Pooling and Servicing Agreement
in all material respects; and

 

(5)         The
report on assessment of compliance with servicing criteria applicable to the Company for asset-backed securities of the Company
and each Subcontractor utilized by the Company and the related attestation report on assessment of compliance with servicing criteria
applicable to it 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 have been included as an exhibit to the Annual Report. Any material instances of non-compliance are described
in such report and have been disclosed in the Annual Report.

 

In giving the certifications above, the
Company has reasonably relied on information provided to it by the following unaffiliated parties: [names of servicer(s), subservicer(s),
custodian(s)]

 

Date:

 

	By:	 	 

 

[Signature]

[Title]

 

    	J-1

    	 

    

 

EXHIBIT K

 

SERVICING CRITERIA TO BE ADDRESSED IN ASSESSMENT
OF COMPLIANCE

 

The Assessment of Compliance to be delivered
by the parties listed in the table below shall address, at a minimum, the criteria identified below as “Applicable Servicing
Criteria” for each such party:

 

	
        Regulation

        AB

        Reference
	Servicing Criteria	
        Master

        Servicer
	
        Securities

        Administrator
	Custodian
	 	 	 	 	 
	 	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.	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	 	 
	1122(d)(1)(iii)	Any requirements in the transaction agreements to maintain a back-up servicer for the pool assets are maintained.	N/A	N/A	N/A
	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	 	 
	 	Cash Collection and Administration	 	 	 
	1122(d)(2)(i)	Payments on pool assets are deposited into the appropriate bank collection 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	 
	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	 	 

 

    	K-1

    	 

    

 

	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	 
	1122(d)(2)(v)	Each collection 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	 
	1122(d)(2)(vi)	Unissued checks are safeguarded so as to prevent unauthorized access.	X	 	 
	1122(d)(2)(vii)	Reconciliations are prepared on a monthly basis for all asset-backed securities related bank accounts, including collection 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	 	 
	 	 	 	 	 
	 	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	 	 
	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	 

 

    	K-2

    	 

    

 

	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	 	 
	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	 	 
	 	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
	1122(d)(4)(ii)	Pool assets  and related documents are safeguarded as required by the transaction agreements	 	 	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.	N/A	N/A	N/A
	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.	N/A	N/A	N/A
	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.	N/A	N/A	N/A
	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.	N/A	N/A	N/A
	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.	N/A	N/A	N/A

 

    	K-3

    	 

    

 

	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).	N/A	N/A	N/A
	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.	N/A	N/A	N/A
	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.	N/A	N/A	N/A
	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.	N/A	N/A	N/A
	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.	N/A	N/A	N/A
	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.	N/A	N/A	N/A
	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.	N/A	N/A	N/A

 

    	K-4

    	 

    

 

EXHIBIT L

 

ADDITIONAL FORM 10-D DISCLOSURE

 

	ADDITIONAL FORM 10-D DISCLOSURE
	Item on Form 10-D	Party Responsible
	Item 1: Distribution and Pool Performance Information	 
	Information included in the Distribution Date Statement	
        Master Servicer

        Securities Administrator

	Any information required by 1121 which is NOT included on the Distribution Date Statement	
        Depositor

         

	
        Item 2: Legal Proceedings

         

        Any legal proceeding pending against the following entities
        or their respective property, that is material to Certificateholders, including any proceedings known to be contemplated by governmental
        authorities:
	 
	▪ Issuing Entity (Trust Fund)	Trustee, Master Servicer, Securities Administrator and Depositor
	▪ Sponsor (Seller)	Seller (if a party to the Pooling and Servicing Agreement) or Depositor
	▪ Depositor	Depositor
	▪ Trustee	Trustee
	▪ Securities Administrator	Securities Administrator
	▪ Master Servicer	Master Servicer
	▪ Custodian	Custodian
	▪ 1110(b) Originator	Depositor
	▪ Any 1108(a)(2) Servicer (other than the Master Servicer or the Securities Administrator)	Servicer (as to itself)
	▪ Any other party contemplated by 1100(d)(1)	Depositor
	
        Item 3:  Sale 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

 

    	L-1

    	 

    

 

	ADDITIONAL FORM 10-D DISCLOSURE
	Item on Form 10-D	Party Responsible
	
        Item 4:  Defaults Upon Senior
        Securities

         

        Information from Item 3 of Part II of Form 10-Q:

         

        Report the occurrence of any Event of Default (after expiration
        of any grace period and provision of any required notice)
	
        Securities Administrator

        Trustee

	
        Item 5:  Submission of Matters
        to a Vote of Security Holders

         

        Information from Item 4 of Part II of Form 10-Q
	
        Securities Administrator

        Trustee

	
        Item 6:  Significant Obligors
        of Pool Assets

         

        Item
        1112(b) – Significant Obligor Financial Information*
	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 Item.	 
	
        Item 7:  Significant Enhancement
        Provider Information

         

        Item 1114(b)(2) – Credit Enhancement Provider Financial
        Information*
	 
	▪ Determining applicable disclosure threshold	Depositor
	▪ Requesting required financial information (including any required accountants’ consent to the use thereof) or effecting incorporation by reference	Depositor
	Item 1115(b) – Derivative Counterparty Financial Information*	 
	▪ Determining current maximum probable exposure	Depositor
	▪ Determining current significance percentage	Depositor
	▪ Requesting required financial information (including any required accountants’ consent to the use thereof) 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.	 

 

    	L-2

    	 

    

 

	ADDITIONAL FORM 10-D DISCLOSURE
	Item on Form 10-D	Party Responsible
	
        Item 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
	Any party responsible for the applicable Form 8-K Disclosure item
	Item 9:  Exhibits	 
	Distribution Date Statement to Certificateholders	Securities Administrator
	Exhibits required by Item 601 of Regulation S-K, such as material agreements	Depositor

 

    	L-3

    	 

    

 

EXHIBIT M

 

ADDITIONAL FORM 10-K DISCLOSURE

 

	ADDITIONAL FORM 10-K DISCLOSURE
	Item on Form 10-K	Party Responsible
	Item 1B: Unresolved Staff Comments	Depositor
	
        Item 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
	Any party responsible for disclosure items on Form 8-K
	Item 15:  Exhibits, Financial Statement Schedules	
        Securities Administrator

        Depositor

	Reg AB Item 1112(b):  Significant Obligors of Pool Assets	 
	Significant Obligor Financial Information*	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 Item.	 
	Reg AB Item 1114(b)(2):  Credit Enhancement Provider Financial Information	 
	▪ Determining applicable disclosure threshold	Depositor
	▪ Requesting required financial information (including any required accountants’ consent to the use thereof) 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.	 
	Reg AB Item 1115(b):  Derivative Counterparty Financial Information	 
	▪ Determining current maximum probable exposure	Depositor
	▪ Determining current significance percentage	Depositor
	▪ Requesting required financial information (including any required accountants’ consent to the use thereof) 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.	 

 

    	M-1

    	 

    

 

	ADDITIONAL FORM 10-K DISCLOSURE
	Item on Form 10-K	Party Responsible
	
        Reg
        AB Item 1117: Legal Proceedings

         

        Any legal proceeding pending against the following entities
        or their respective property, that is material to Certificateholders, including any proceedings known to be contemplated by governmental
        authorities:
	 
	▪ Issuing Entity (Trust Fund)	Trustee, Master Servicer, Securities Administrator and Depositor
	▪ Sponsor (Seller)	Seller (if a party to the Pooling and Servicing Agreement) or Depositor
	▪ Depositor	Depositor
	▪ Trustee	Trustee
	▪ Securities Administrator	Securities Administrator
	▪ Master Servicer	Master Servicer
	▪ Custodian	Custodian
	▪ 1110(b) Originator	Depositor
	▪ Any 1108(a)(2) Servicer (other than the Master Servicer or the Securities Administrator)	Servicer (as to itself)
	▪ Any other party contemplated by 1100(d)(1)	Depositor
	Reg AB Item 1119:  Affiliations and Relationships	 
	Whether (a) the Sponsor (Seller), Depositor or Issuing Entity is an affiliate of the following parties, and (b) to the extent known and material, any of the following parties are affiliated with one another:	
        Depositor as to (a)

        Sponsor/Seller as to (b)

	▪ Master Servicer	Master Servicer
	▪ Securities Administrator	Securities Administrator
	▪ Trustee	
        Depositor/Sponsor as to (a)

        Trustee as to (b)

	▪ Any other 1108(a)(3) servicer	Servicer (as to itself)
	▪ Any 1110 Originator	Depositor/Sponsor
	▪ Any 1112(b) Significant Obligor	Depositor/Sponsor
	▪ Any 1114 Credit Enhancement Provider	Depositor/Sponsor
	▪ Any 1115 Derivative Counterparty Provider	Depositor/Sponsor
	▪ Any other 1101(d)(1) material party	Depositor/Sponsor

 

    	M-2

    	 

    

 

	ADDITIONAL FORM 10-K DISCLOSURE
	Item on Form 10-K	Party Responsible
	Whether there are any “outside the ordinary course business arrangements” other than would be obtained in an arm’s length transaction between (a) the Sponsor (Seller), Depositor or Issuing Entity on the one hand, and (b) any of the following parties (or their affiliates) on the other hand, that exist currently or within the past two years and that are material to a Certificateholder’s understanding of the Certificates:	
        Depositor as to (a)

        Sponsor/Seller as to (b)

	▪ Master Servicer	Master Servicer
	▪ Securities Administrator	Securities Administrator
	▪ Trustee	Depositor/Sponsor
	▪ Any other 1108(a)(3) servicer	Servicer (as to itself)
	▪ Any 1110 Originator	Depositor/Sponsor
	▪ Any 1112(b) Significant Obligor	Depositor/Sponsor
	▪ Any 1114 Credit Enhancement Provider	Depositor/Sponsor
	▪ Any 1115 Derivative Counterparty Provider	Depositor/Sponsor
	▪ Any other 1101(d)(1) material party	Depositor/Sponsor
	Whether there are any specific relationships involving the transaction or the pool assets between (a) the Sponsor (Seller), Depositor or Issuing Entity on the one hand, and (b) any of the following parties (or their affiliates) on the other hand, that exist currently or within the past two years and that are material:	
        Depositor as to (a)

        Sponsor/Seller as to (b)

	▪ Master Servicer	Master Servicer
	▪ Securities Administrator	Securities Administrator
	▪ Trustee	Depositor/Sponsor
	▪ Any other 1108(a)(3) servicer	Servicer (as to itself)
	▪ Any 1110 Originator	Depositor/Sponsor
	▪ Any 1112(b) Significant Obligor	Depositor/Sponsor
	▪ Any 1114 Credit Enhancement Provider	Depositor/Sponsor
	▪ Any 1115 Derivative Counterparty Provider	Depositor/Sponsor
	▪ Any other 1101(d)(1) material party	Depositor/Sponsor

 

    	M-3

    	 

    

 

EXHIBIT N

 

ADDITIONAL FORM 8-K DISCLOSURE

 

	FORM 8-K DISCLOSURE INFORMATION
	Item on Form 8-K	Party Responsible
	
        Item 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, custody agreement.

         

        Note: disclosure not required as to definitive agreements that
        are fully disclosed in the prospectus
	All parties (as to themselves)
	
        Item 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, custody agreement.
	All parties (as to themselves)
	
        Item 1.03- Bankruptcy or Receivership

         

        Disclosure is required regarding the bankruptcy or receivership,
        with respect to any of the following:
	Depositor
	▪ Sponsor (Seller)	Depositor/Sponsor (Seller)
	▪ Depositor	Depositor
	▪ Master Servicer	Master Servicer
	▪ Affiliated Servicer	Servicer (as to itself)
	▪ Other Servicer servicing 20% or more of the pool assets at the time of the report	Servicer (as to itself)
	▪ Other material servicers	Servicer (as to itself)
	▪ Trustee	Trustee
	▪ Securities Administrator	Securities Administrator
	▪ Significant Obligor	Depositor

 

    	N-1

    	 

    

 

	FORM 8-K DISCLOSURE INFORMATION
	Item on Form 8-K	Party Responsible
	▪ Credit Enhancer (10% or more)	Depositor
	▪ Derivative Counterparty	Depositor
	▪ Custodian	Custodian
	
        Item 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 Distribution Date Statements to the certificateholders.
	
        Depositor

        Master Servicer

        Securities Administrator

	
        Item 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.
	
        Securities Administrator

        Depositor

	
        Item 5.03- Amendments of Articles of
        Incorporation or Bylaws; Change of Fiscal Year

         

        Disclosure is required of any amendment “to the governing
        documents of the issuing entity”.
	Depositor
	Item 6.01- ABS Informational and Computational Material	Depositor
	
        Item 6.02- Change of Servicer or Securities
        Administrator

         

        Requires disclosure of any removal, replacement, substitution
        or addition of any master servicer, affiliated servicer, other servicer servicing 10% or more of pool assets at time of report,
        other material servicers or trustee.
	
        Master Servicer/Securities Administrator/Depositor/

        Servicer (as to itself)/Trustee

	Reg AB disclosure about any new servicer or master servicer is also required.	Servicer (as to itself)/Master Servicer/Depositor
	Reg AB disclosure about any new Trustee is also required.	Depositor/Securities Administrator

 

    	N-2

    	 

    

 

	FORM 8-K DISCLOSURE INFORMATION
	Item on Form 8-K	Party Responsible
	
        Item 6.03- Change in Credit Enhancement
        or 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.
	Depositor/Securities Administrator
	Reg AB disclosure about any new enhancement provider is also required.	Depositor
	Item 6.04- Failure to Make a Required Distribution	Securities Administrator
	
        Item 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
	Item 7.01- Reg FD Disclosure	All parties (as to themselves)
	
        Item 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 certificateholders.
	Depositor
	Item 9.01- Financial Statements and Exhibits	Responsible party for reporting/disclosing the financial statement or exhibit

 

    	N-3

    	 

    

 

EXHIBIT O

 

FORM OF CERTIFICATION FOR NRSROs AND DEPOSITOR

[Date]

 

Wells Fargo Bank, National Association

9062 Old Annapolis Road

Columbia,
Maryland 21045

Attention: RMBS – SEMT 2013-1

 

		Attention:	Sequoia Mortgage Trust 2013-1,

Mortgage Pass-Through Certificates, Series 2013-1

 

In accordance with the requirements for
obtaining certain information pursuant to the Pooling and Servicing Agreement, dated as of January 1, 2013 (the “Pooling
and Servicing Agreement”), by and among Sequoia Residential Funding, Inc., as Depositor, Wells Fargo Bank, N.A., as Master
Servicer and Securities Administrator, and Christiana Trust, a division of Wilmington Savings Fund Society, FSB, as Trustee with
respect to the above-referenced certificates (the “Certificates”), the undersigned hereby certifies and agrees as follows:

 

With respect to any Nationally Recognized Statistical
Rating Organization (“NRSRO”):

 

		1.	The undersigned, an NRSRO, has provided the Depositor with the appropriate certifications under Exchange Act Rule 17g-5(e).

		2.	The undersigned has access to the Depositor's 17g-5 website, and any confidentiality agreement applicable to the undersigned
with respect to information obtained from the Depositor's 17g-5 website shall also be applicable to information obtained from the
Rule 17g-5 Website.

		3.	The undersigned shall be deemed to have recertified to the provisions herein each time it accesses any information on the Rule
17g-5 Website maintained by the Securities Administrator.

 

With respect to the Depositor:

 

		1.	The undersigned is the Depositor under the Pooling and Servicing Agreement.

 

Capitalized terms used but not defined herein shall have the
respective meanings assigned thereto in the Pooling and Servicing Agreement.

 

BY ITS CERTIFICATION HEREOF, the undersigned has made the representations
above and shall be deemed to have caused its name to be signed hereto by its duly authorized signatory, as of the date certified.

 

    	O-1

    	 

    

 

SCHEDULE A

 

MORTGAGE LOAN SCHEDULE

 

    	 

    	 

    

 

 

 

	 	1	2	3	4	5	6	7	8	9	10
	 	Primary 
 Servicer	Servicing Fee
 %	Servicing Fee—

Flatdollar	Servicing Advance 

Methodology	Originator	Loan
 Group	Loan Number	Amortization
 Type	Lien
 Position	HELOC
 Indicator
	1	1002338	0.002500	 	 	1002338	Group 1	978000019	2	1	0
	2	1002338	0.002500	 	 	1002338	Group 1	978000078	2	1	0
	3	1000383	0.002500	 	 	9999999	Group 1	1000001102	2	1	0
	4	1000383	0.002500	 	 	9999999	Group 1	1010007709	1	1	0
	5	1000383	0.002500	 	 	9999999	Group 1	1030004301	1	1	0
	6	1000383	0.002500	 	 	9999999	Group 1	1030006057	1	1	0
	7	1000383	0.002500	 	 	9999999	Group 1	1030006720	1	1	0
	8	1000383	0.002500	 	 	9999999	Group 1	1030006758	1	1	0
	9	1000383	0.002500	 	 	1000536	Group 1	1050004792	1	1	0
	10	1000383	0.002500	 	 	1000536	Group 1	1050005552	1	1	0
	11	1000383	0.002500	 	 	1000536	Group 1	1050006234	1	1	0
	12	1000383	0.002500	 	 	1000536	Group 1	1050006673	1	1	0
	13	1000383	0.002500	 	 	1000536	Group 1	1050006956	1	1	0
	14	1000383	0.002500	 	 	1008498	Group 1	1150001687	2	1	0
	15	1000383	0.002500	 	 	1008498	Group 1	1150005173	1	1	0
	16	1000383	0.002500	 	 	9999999	Group 1	1160006884	1	1	0
	17	1000383	0.002500	 	 	9999999	Group 1	1220006393	1	1	0
	18	1000383	0.002500	 	 	1001105	Group 1	1250006369	1	1	0
	19	1000383	0.002500	 	 	9999999	Group 1	1360007448	1	1	0
	20	1000383	0.002500	 	 	9999999	Group 1	1540006767	1	1	0
	21	1000383	0.002500	 	 	9999999	Group 1	1750002994	2	1	0
	22	1000383	0.002500	 	 	9999999	Group 1	1750005794	2	1	0
	23	1002338	0.002500	 	 	1002338	Group 1	3000002108	2	1	0
	24	1000634	0.002500	 	 	1000634	Group 1	3500007188	1	1	0
	25	1000634	0.002500	 	 	1000634	Group 1	3500007189	1	1	0
	26	1000634	0.002500	 	 	1000634	Group 1	3500007190	1	1	0
	27	1000634	0.002500	 	 	1000634	Group 1	3500007191	1	1	0
	28	1000634	0.002500	 	 	1000634	Group 1	3500007192	2	1	0
	29	1000634	0.002500	 	 	1000634	Group 1	3500007199	2	1	0
	30	1000634	0.002500	 	 	1000634	Group 1	3500007203	2	1	0
	31	1000634	0.002500	 	 	1000634	Group 1	3500007204	2	1	0
	32	1000634	0.002500	 	 	1000634	Group 1	3500007206	2	1	0
	33	1000634	0.002500	 	 	1000634	Group 1	3500007207	2	1	0
	34	1000634	0.002500	 	 	1000634	Group 1	3500007210	2	1	0
	35	1000634	0.002500	 	 	1000634	Group 1	3500007214	2	1	0
	36	1000634	0.002500	 	 	1000634	Group 1	3500007216	2	1	0
	37	1000634	0.002500	 	 	1000634	Group 1	3500007217	2	1	0
	38	1000634	0.002500	 	 	1000634	Group 1	3500007218	2	1	0
	39	1000634	0.002500	 	 	1000634	Group 1	3500007219	2	1	0
	40	1000634	0.002500	 	 	1000634	Group 1	3500007220	2	1	0
	41	1000634	0.002500	 	 	1000634	Group 1	3500007221	2	1	0
	42	1000634	0.002500	 	 	1000634	Group 1	3500007222	2	1	0
	43	1000634	0.002500	 	 	1000634	Group 1	3500007225	2	1	0
	44	1000634	0.002500	 	 	1000634	Group 1	3500007226	2	1	0
	45	1000634	0.002500	 	 	1000634	Group 1	3500007228	2	1	0
	46	1000634	0.002500	 	 	1000634	Group 1	3500007229	2	1	0
	47	1000634	0.002500	 	 	1000634	Group 1	3500007232	2	1	0
	48	1000634	0.002500	 	 	1000634	Group 1	3500007233	2	1	0
	49	1000634	0.002500	 	 	1000634	Group 1	3500007235	2	1	0
	50	1000634	0.002500	 	 	1000634	Group 1	3500007238	2	1	0
	51	1000634	0.002500	 	 	1000634	Group 1	3500007244	2	1	0
	52	1000634	0.002500	 	 	1000634	Group 1	3500007245	2	1	0
	53	1000634	0.002500	 	 	1000634	Group 1	3500007246	2	1	0
	54	1000634	0.002500	 	 	1000634	Group 1	3500007248	2	1	0
	55	1000634	0.002500	 	 	1000634	Group 1	3500007249	2	1	0
	56	1000634	0.002500	 	 	1000634	Group 1	3500007253	2	1	0
	57	1000634	0.002500	 	 	1000634	Group 1	3500007255	2	1	0
	58	1000634	0.002500	 	 	1000634	Group 1	3500007257	2	1	0
	59	1000634	0.002500	 	 	1000634	Group 1	3500007260	2	1	0
	60	1000634	0.002500	 	 	1000634	Group 1	3500007262	2	1	0
	61	1000634	0.002500	 	 	1000634	Group 1	3500007266	2	1	0
	62	1000634	0.002500	 	 	1000634	Group 1	3500007267	2	1	0
	63	1000634	0.002500	 	 	1000634	Group 1	3500007270	2	1	0
	64	1000634	0.002500	 	 	1000634	Group 1	3500007271	2	1	0
	65	1000634	0.002500	 	 	1000634	Group 1	3500007274	2	1	0
	66	1000634	0.002500	 	 	1000634	Group 1	3500007276	2	1	0
	67	1000634	0.002500	 	 	1000634	Group 1	3500007279	2	1	0
	68	1000634	0.002500	 	 	1000634	Group 1	3500007280	2	1	0
	69	1000634	0.002500	 	 	1000634	Group 1	3500007281	2	1	0
	70	1000634	0.002500	 	 	1000634	Group 1	3500007283	2	1	0
	71	1000634	0.002500	 	 	1000634	Group 1	3500007284	2	1	0
	72	1000634	0.002500	 	 	1000634	Group 1	3500007285	1	1	0
	73	1000634	0.002500	 	 	1000634	Group 1	3500007286	1	1	0
	74	1000634	0.002500	 	 	1000634	Group 1	3500007288	1	1	0
	75	1000634	0.002500	 	 	1000634	Group 1	3500007289	1	1	0
	76	1000634	0.002500	 	 	1000634	Group 1	3500007290	1	1	0
	77	1000634	0.002500	 	 	1000634	Group 1	3500007291	1	1	0
	78	1000634	0.002500	 	 	1000634	Group 1	3500007292	1	1	0
	79	1000634	0.002500	 	 	1000634	Group 1	3500007294	1	1	0
	80	1000634	0.002500	 	 	1000634	Group 1	3500007295	1	1	0
	81	1000634	0.002500	 	 	1000634	Group 1	3500007297	1	1	0
	82	1000634	0.002500	 	 	1000634	Group 1	3500007299	1	1	0
	83	1000634	0.002500	 	 	1000634	Group 1	3500007300	1	1	0
	84	1000634	0.002500	 	 	1000634	Group 1	3500007301	1	1	0
	85	1000634	0.002500	 	 	1000634	Group 1	3500007304	1	1	0
	86	1000634	0.002500	 	 	1000634	Group 1	3500007305	1	1	0
	87	1000634	0.002500	 	 	1000634	Group 1	3500007306	1	1	0
	88	1000634	0.002500	 	 	1000634	Group 1	3500007307	1	1	0
	89	1000634	0.002500	 	 	1000634	Group 1	3500007308	1	1	0
	90	1000634	0.002500	 	 	1000634	Group 1	3500007309	1	1	0
	91	1000634	0.002500	 	 	1000634	Group 1	3500007310	1	1	0
	92	1000634	0.002500	 	 	1000634	Group 1	3500007315	1	1	0
	93	1000634	0.002500	 	 	1000634	Group 1	3500007316	1	1	0
	94	1000634	0.002500	 	 	1000634	Group 1	3500007317	1	1	0
	95	1000634	0.002500	 	 	1000634	Group 1	3500007319	1	1	0
	96	1000634	0.002500	 	 	1000634	Group 1	3500007322	1	1	0
	97	1000634	0.002500	 	 	1000634	Group 1	3500007323	1	1	0
	98	1000634	0.002500	 	 	1000634	Group 1	3500007324	1	1	0
	99	1000634	0.002500	 	 	1000634	Group 1	3500007327	1	1	0
	100	1000634	0.002500	 	 	1000634	Group 1	3500007328	1	1	0
	101	1000634	0.002500	 	 	1000634	Group 1	3500007329	1	1	0
	102	1000634	0.002500	 	 	1000634	Group 1	3500007330	1	1	0
	103	1000634	0.002500	 	 	1000634	Group 1	3500007332	1	1	0
	104	1000634	0.002500	 	 	1000634	Group 1	3500007333	1	1	0
	105	1000634	0.002500	 	 	1000634	Group 1	3500007334	1	1	0
	106	1000634	0.002500	 	 	1000634	Group 1	3500007335	1	1	0
	107	1000634	0.002500	 	 	1000634	Group 1	3500007337	1	1	0
	108	1000634	0.002500	 	 	1000634	Group 1	3500007339	1	1	0
	109	1000634	0.002500	 	 	1000634	Group 1	3500007340	1	1	0
	110	1000634	0.002500	 	 	1000634	Group 1	3500007341	1	1	0
	111	1000634	0.002500	 	 	1000634	Group 1	3500007342	1	1	0
	112	1000634	0.002500	 	 	1000634	Group 1	3500007343	1	1	0
	113	1000634	0.002500	 	 	1000634	Group 1	3500007344	1	1	0
	114	1000634	0.002500	 	 	1000634	Group 1	3500007345	1	1	0
	115	1000634	0.002500	 	 	1000634	Group 1	3500007346	1	1	0
	116	1000634	0.002500	 	 	1000634	Group 1	3500007349	1	1	0
	117	1000634	0.002500	 	 	1000634	Group 1	3500007351	1	1	0
	118	1000634	0.002500	 	 	1000634	Group 1	3500007353	1	1	0
	119	1000634	0.002500	 	 	1000634	Group 1	3500007354	1	1	0
	120	1000634	0.002500	 	 	1000634	Group 1	3500007355	1	1	0
	121	1000634	0.002500	 	 	1000634	Group 1	3500007357	1	1	0
	122	1000634	0.002500	 	 	1000634	Group 1	3500007358	1	1	0
	123	1000634	0.002500	 	 	1000634	Group 1	3500007360	1	1	0
	124	1000634	0.002500	 	 	1000634	Group 1	3500007361	1	1	0
	125	1000634	0.002500	 	 	1000634	Group 1	3500007364	1	1	0
	126	1000634	0.002500	 	 	1000634	Group 1	3500007367	1	1	0
	127	1000634	0.002500	 	 	1000634	Group 1	3500007368	1	1	0
	128	1000634	0.002500	 	 	1000634	Group 1	3500007369	1	1	0
	129	1000634	0.002500	 	 	1000634	Group 1	3500007370	1	1	0
	130	1000634	0.002500	 	 	1000634	Group 1	3500007371	1	1	0
	131	1000634	0.002500	 	 	1000634	Group 1	3500007372	1	1	0
	132	1000634	0.002500	 	 	1000634	Group 1	3500007374	1	1	0
	133	1000634	0.002500	 	 	1000634	Group 1	3500007375	1	1	0
	134	1000634	0.002500	 	 	1000634	Group 1	3500007376	1	1	0
	135	1000634	0.002500	 	 	1000634	Group 1	3500007377	1	1	0
	136	1000634	0.002500	 	 	1000634	Group 1	3500007378	1	1	0
	137	1000634	0.002500	 	 	1000634	Group 1	3500007379	1	1	0
	138	1000634	0.002500	 	 	1000634	Group 1	3500007380	1	1	0
	139	1000634	0.002500	 	 	1000634	Group 1	3500007382	1	1	0
	140	1000634	0.002500	 	 	1000634	Group 1	3500007383	1	1	0
	141	1000634	0.002500	 	 	1000634	Group 1	3500007384	1	1	0
	142	1000634	0.002500	 	 	1000634	Group 1	3500007385	1	1	0
	143	1000634	0.002500	 	 	1000634	Group 1	3500007388	1	1	0
	144	1000634	0.002500	 	 	1000634	Group 1	3500007389	1	1	0
	145	1000634	0.002500	 	 	1000634	Group 1	3500007390	1	1	0
	146	1000634	0.002500	 	 	1000634	Group 1	3500007391	1	1	0
	147	1000634	0.002500	 	 	1000634	Group 1	3500007396	1	1	0
	148	1000634	0.002500	 	 	1000634	Group 1	3500007397	1	1	0
	149	1000634	0.002500	 	 	1000634	Group 1	3500007398	1	1	0
	150	1000634	0.002500	 	 	1000634	Group 1	3500007399	1	1	0
	151	1000634	0.002500	 	 	1000634	Group 1	3500007400	1	1	0
	152	1000634	0.002500	 	 	1000634	Group 1	3500007402	1	1	0
	153	1000634	0.002500	 	 	1000634	Group 1	3500007403	1	1	0
	154	1000634	0.002500	 	 	1000634	Group 1	3500007404	1	1	0
	155	1000634	0.002500	 	 	1000634	Group 1	3500007405	1	1	0
	156	1000634	0.002500	 	 	1000634	Group 1	3500008935	1	1	0
	157	1000634	0.002500	 	 	1000634	Group 1	3500008936	1	1	0
	158	1000634	0.002500	 	 	1000634	Group 1	3500008937	1	1	0
	159	1000634	0.002500	 	 	1000634	Group 1	3500008938	1	1	0
	160	1000634	0.002500	 	 	1000634	Group 1	3500008939	1	1	0
	161	1000634	0.002500	 	 	1000634	Group 1	3500008941	2	1	0
	162	1000634	0.002500	 	 	1000634	Group 1	3500008942	2	1	0
	163	1000634	0.002500	 	 	1000634	Group 1	3500008943	2	1	0
	164	1000634	0.002500	 	 	1000634	Group 1	3500008944	1	1	0
	165	1000634	0.002500	 	 	1000634	Group 1	3500008945	1	1	0
	166	1000634	0.002500	 	 	1000634	Group 1	3500008946	1	1	0
	167	1000634	0.002500	 	 	1000634	Group 1	3500008978	2	1	0
	168	1000634	0.002500	 	 	1000634	Group 1	3500008980	2	1	0
	169	1000634	0.002500	 	 	1000634	Group 1	3500008981	2	1	0
	170	1000634	0.002500	 	 	1000634	Group 1	3500008982	2	1	0
	171	1000634	0.002500	 	 	1000634	Group 1	3500008984	2	1	0
	172	1000634	0.002500	 	 	1000634	Group 1	3500008985	2	1	0
	173	1000634	0.002500	 	 	1000634	Group 1	3500008987	2	1	0
	174	1000634	0.002500	 	 	1000634	Group 1	3500008988	2	1	0
	175	1000634	0.002500	 	 	1000634	Group 1	3500008989	2	1	0
	176	1000634	0.002500	 	 	1000634	Group 1	3500008991	2	1	0
	177	1000634	0.002500	 	 	1000634	Group 1	3500008993	2	1	0
	178	1000634	0.002500	 	 	1000634	Group 1	3500008997	2	1	0
	179	1000634	0.002500	 	 	1000634	Group 1	3500008999	2	1	0
	180	1000634	0.002500	 	 	1000634	Group 1	3500009002	2	1	0
	181	1000634	0.002500	 	 	1000634	Group 1	3500009003	2	1	0
	182	1000634	0.002500	 	 	1000634	Group 1	3500009004	2	1	0
	183	1000634	0.002500	 	 	1000634	Group 1	3500009006	2	1	0
	184	1000634	0.002500	 	 	1000634	Group 1	3500009007	1	1	0
	185	1000634	0.002500	 	 	1000634	Group 1	3500009010	1	1	0
	186	1000634	0.002500	 	 	1000634	Group 1	3500009013	1	1	0
	187	1000634	0.002500	 	 	1000634	Group 1	3500009014	1	1	0
	188	1000634	0.002500	 	 	1000634	Group 1	3500009015	1	1	0
	189	1000634	0.002500	 	 	1000634	Group 1	3500009016	1	1	0
	190	1000634	0.002500	 	 	1000634	Group 1	3500009018	1	1	0
	191	1000634	0.002500	 	 	1000634	Group 1	3500009019	1	1	0
	192	1002338	0.002500	 	 	1002338	Group 1	3500010601	2	1	0
	193	1002338	0.002500	 	 	1002338	Group 1	3500010602	2	1	0
	194	1000200	0.003750	 	 	1000200	Group 1	3500010604	2	1	0
	195	1002338	0.002500	 	 	1002338	Group 1	3500010605	2	1	0
	196	1002338	0.002500	 	 	1002338	Group 1	3500010606	2	1	0
	197	1000200	0.003750	 	 	1000200	Group 1	3500010607	2	1	0
	198	1000200	0.003750	 	 	1000200	Group 1	3500010608	2	1	0
	199	1000200	0.003750	 	 	1000200	Group 1	3500010609	2	1	0
	200	1000200	0.003750	 	 	1000200	Group 1	3500010610	2	1	0
	201	1000383	0.002500	 	 	1000536	Group 1	3500010633	2	1	0
	202	1000383	0.002500	 	 	9999999	Group 1	3500010635	2	1	0
	203	1000383	0.002500	 	 	1000536	Group 1	3500010636	2	1	0
	204	1000383	0.002500	 	 	1000536	Group 1	3500010637	2	1	0
	205	1000383	0.002500	 	 	1000536	Group 1	3500010638	2	1	0
	206	1000383	0.002500	 	 	1000536	Group 1	3500010639	2	1	0
	207	1000383	0.002500	 	 	1000536	Group 1	3500010640	2	1	0
	208	1000383	0.002500	 	 	1000536	Group 1	3500010641	2	1	0
	209	1000383	0.002500	 	 	9999999	Group 1	3500010642	2	1	0
	210	1000383	0.002500	 	 	1000536	Group 1	3500010643	2	1	0
	211	1000383	0.002500	 	 	1000536	Group 1	3500010644	2	1	0
	212	1000383	0.002500	 	 	1000536	Group 1	3500010645	2	1	0
	213	1000383	0.002500	 	 	1000536	Group 1	3500010646	2	1	0
	214	1000383	0.002500	 	 	9999999	Group 1	3500010647	2	1	0
	215	1000383	0.002500	 	 	1000536	Group 1	3500010648	2	1	0
	216	1000383	0.002500	 	 	1000536	Group 1	3500010649	2	1	0
	217	1000383	0.002500	 	 	9999999	Group 1	3500010650	2	1	0
	218	1000383	0.002500	 	 	1008498	Group 1	3500010651	2	1	0
	219	1000383	0.002500	 	 	9999999	Group 1	3500010652	2	1	0
	220	1000383	0.002500	 	 	9999999	Group 2	1000005120	1	1	0
	221	1000383	0.002500	 	 	9999999	Group 2	1000006258	1	1	0
	222	1000383	0.002500	 	 	9999999	Group 2	1000007422	1	1	0
	223	1000383	0.002500	 	 	9999999	Group 2	1000007633	1	1	0
	224	1000383	0.002500	 	 	9999999	Group 2	1000008324	1	1	0
	225	1000383	0.002500	 	 	9999999	Group 2	1010005611	1	1	0
	226	1000383	0.002500	 	 	9999999	Group 2	1010006158	1	1	0
	227	1000383	0.002500	 	 	9999999	Group 2	1010006659	1	1	0
	228	1000383	0.002500	 	 	9999999	Group 2	1010006829	1	1	0
	229	1000383	0.002500	 	 	9999999	Group 2	1010007088	1	1	0
	230	1000383	0.002500	 	 	9999999	Group 2	1010007718	1	1	0
	231	1000383	0.002500	 	 	9999999	Group 2	1010008141	1	1	0
	232	1000383	0.002500	 	 	9999999	Group 2	1010008328	1	1	0
	233	1000383	0.002500	 	 	9999999	Group 2	1010008594	1	1	0
	234	1000383	0.002500	 	 	9999999	Group 2	1020006995	1	1	0
	235	1000383	0.002500	 	 	9999999	Group 2	1020008719	1	1	0
	236	1000383	0.002500	 	 	9999999	Group 2	1030005207	1	1	0
	237	1000383	0.002500	 	 	9999999	Group 2	1030005648	1	1	0
	238	1000383	0.002500	 	 	9999999	Group 2	1030005761	1	1	0
	239	1000383	0.002500	 	 	9999999	Group 2	1030006599	1	1	0
	240	1000383	0.002500	 	 	9999999	Group 2	1030006647	1	1	0
	241	1000383	0.002500	 	 	9999999	Group 2	1030006728	1	1	0
	242	1000383	0.002500	 	 	9999999	Group 2	1030006915	1	1	0
	243	1000383	0.002500	 	 	9999999	Group 2	1030006968	1	1	0
	244	1000383	0.002500	 	 	9999999	Group 2	1030007016	1	1	0
	245	1000383	0.002500	 	 	9999999	Group 2	1030007114	1	1	0
	246	1000383	0.002500	 	 	9999999	Group 2	1030007457	1	1	0
	247	1000383	0.002500	 	 	9999999	Group 2	1030007766	1	1	0
	248	1000383	0.002500	 	 	9999999	Group 2	1030007822	1	1	0
	249	1000383	0.002500	 	 	9999999	Group 2	1030007826	1	1	0
	250	1000383	0.002500	 	 	9999999	Group 2	1030007910	1	1	0
	251	1000383	0.002500	 	 	9999999	Group 2	1030007994	1	1	0
	252	1000383	0.002500	 	 	9999999	Group 2	1030008900	1	1	0
	253	1000383	0.002500	 	 	1000536	Group 2	1050005185	1	1	0
	254	1000383	0.002500	 	 	1000536	Group 2	1050005921	1	1	0
	255	1000383	0.002500	 	 	1000536	Group 2	1050006289	1	1	0
	256	1000383	0.002500	 	 	1000536	Group 2	1050006803	1	1	0
	257	1000383	0.002500	 	 	1000536	Group 2	1050006812	1	1	0
	258	1000383	0.002500	 	 	1000536	Group 2	1050006816	1	1	0
	259	1000383	0.002500	 	 	1000536	Group 2	1050006971	1	1	0
	260	1000383	0.002500	 	 	1000536	Group 2	1050007507	1	1	0
	261	1000383	0.002500	 	 	1000536	Group 2	1050007626	1	1	0
	262	1000383	0.002500	 	 	1000536	Group 2	1050007627	1	1	0
	263	1000383	0.002500	 	 	1000536	Group 2	1050007668	1	1	0
	264	1000383	0.002500	 	 	1000536	Group 2	1050007768	1	1	0
	265	1000383	0.002500	 	 	9999999	Group 2	1070006630	1	1	0
	266	1000383	0.002500	 	 	9999999	Group 2	1070008406	1	1	0
	267	1000383	0.002500	 	 	9999999	Group 2	1090005656	1	1	0
	268	1000383	0.002500	 	 	9999999	Group 2	1090005773	1	1	0
	269	1000383	0.002500	 	 	9999999	Group 2	1090006266	1	1	0
	270	1000383	0.002500	 	 	9999999	Group 2	1090006838	1	1	0
	271	1000383	0.002500	 	 	9999999	Group 2	1130007064	1	1	0
	272	1000383	0.002500	 	 	9999999	Group 2	1130007823	1	1	0
	273	1000383	0.002500	 	 	9999999	Group 2	1130009267	1	1	0
	274	1000383	0.002500	 	 	9999999	Group 2	1140004973	1	1	0
	275	1000383	0.002500	 	 	9999999	Group 2	1140005830	1	1	0
	276	1000383	0.002500	 	 	9999999	Group 2	1140007486	1	1	0
	277	1000383	0.002500	 	 	9999999	Group 2	1140008050	1	1	0
	278	1000383	0.002500	 	 	9999999	Group 2	1140008051	1	1	0
	279	1000383	0.002500	 	 	1008498	Group 2	1150003066	1	1	0
	280	1000383	0.002500	 	 	1008498	Group 2	1150004497	1	1	0
	281	1000383	0.002500	 	 	1008498	Group 2	1150004636	1	1	0
	282	1000383	0.002500	 	 	1008498	Group 2	1150004825	1	1	0
	283	1000383	0.002500	 	 	1008498	Group 2	1150005176	1	1	0
	284	1000383	0.002500	 	 	1008498	Group 2	1150005292	1	1	0
	285	1000383	0.002500	 	 	1008498	Group 2	1150005507	1	1	0
	286	1000383	0.002500	 	 	1008498	Group 2	1150005739	1	1	0
	287	1000383	0.002500	 	 	1008498	Group 2	1150006328	1	1	0
	288	1000383	0.002500	 	 	1008498	Group 2	1150006379	1	1	0
	289	1000383	0.002500	 	 	1008498	Group 2	1150006431	1	1	0
	290	1000383	0.002500	 	 	1008498	Group 2	1150006623	1	1	0
	291	1000383	0.002500	 	 	1008498	Group 2	1150006651	1	1	0
	292	1000383	0.002500	 	 	1008498	Group 2	1150006772	1	1	0
	293	1000383	0.002500	 	 	1008498	Group 2	1150006876	1	1	0
	294	1000383	0.002500	 	 	1008498	Group 2	1150006900	1	1	0
	295	1000383	0.002500	 	 	1008498	Group 2	1150006938	1	1	0
	296	1000383	0.002500	 	 	1008498	Group 2	1150007031	1	1	0
	297	1000383	0.002500	 	 	1008498	Group 2	1150007094	1	1	0
	298	1000383	0.002500	 	 	1008498	Group 2	1150007101	1	1	0
	299	1000383	0.002500	 	 	1008498	Group 2	1150007464	1	1	0
	300	1000383	0.002500	 	 	1008498	Group 2	1150007520	1	1	0
	301	1000383	0.002500	 	 	1008498	Group 2	1150007859	1	1	0
	302	1000383	0.002500	 	 	9999999	Group 2	1160007111	1	1	0
	303	1000383	0.002500	 	 	9999999	Group 2	1160008289	1	1	0
	304	1000383	0.002500	 	 	9999999	Group 2	1160008528	1	1	0
	305	1000383	0.002500	 	 	9999999	Group 2	1160008790	1	1	0
	306	1000383	0.002500	 	 	9999999	Group 2	1170007518	1	1	0
	307	1000383	0.002500	 	 	9999999	Group 2	1180006947	1	1	0
	308	1000383	0.002500	 	 	9999999	Group 2	1200006132	1	1	0
	309	1000383	0.002500	 	 	9999999	Group 2	1200006549	1	1	0
	310	1000383	0.002500	 	 	9999999	Group 2	1200006741	1	1	0
	311	1000383	0.002500	 	 	9999999	Group 2	1220007981	1	1	0
	312	1000383	0.002500	 	 	9999999	Group 2	1240008031	1	1	0
	313	1000383	0.002500	 	 	1001105	Group 2	1250004933	1	1	0
	314	1000383	0.002500	 	 	1001105	Group 2	1250005312	1	1	0
	315	1000383	0.002500	 	 	1001105	Group 2	1250005541	1	1	0
	316	1000383	0.002500	 	 	1001105	Group 2	1250006186	1	1	0
	317	1000383	0.002500	 	 	1001105	Group 2	1250006573	1	1	0
	318	1000383	0.002500	 	 	1001105	Group 2	1250006658	1	1	0
	319	1000383	0.002500	 	 	1001105	Group 2	1250006665	1	1	0
	320	1000383	0.002500	 	 	1001105	Group 2	1250006708	1	1	0
	321	1000383	0.002500	 	 	1001105	Group 2	1250006764	1	1	0
	322	1000383	0.002500	 	 	1001105	Group 2	1250006809	1	1	0
	323	1000383	0.002500	 	 	1001105	Group 2	1250006874	1	1	0
	324	1000383	0.002500	 	 	1001105	Group 2	1250006875	1	1	0
	325	1000383	0.002500	 	 	1001105	Group 2	1250006934	1	1	0
	326	1000383	0.002500	 	 	1001105	Group 2	1250007455	1	1	0
	327	1000383	0.002500	 	 	1001105	Group 2	1250007611	1	1	0
	328	1000383	0.002500	 	 	1001105	Group 2	1250007849	1	1	0
	329	1000383	0.002500	 	 	1001105	Group 2	1250008035	1	1	0
	330	1000383	0.002500	 	 	1001105	Group 2	1250008036	1	1	0
	331	1000383	0.002500	 	 	1001105	Group 2	1250008073	1	1	0
	332	1000383	0.002500	 	 	1001105	Group 2	1250008108	1	1	0
	333	1000383	0.002500	 	 	1001105	Group 2	1250008109	1	1	0
	334	1000383	0.002500	 	 	1001105	Group 2	1250008110	1	1	0
	335	1000383	0.002500	 	 	1001105	Group 2	1250008131	1	1	0
	336	1000383	0.002500	 	 	1001105	Group 2	1250008132	1	1	0
	337	1000383	0.002500	 	 	1001105	Group 2	1250008150	1	1	0
	338	1000383	0.002500	 	 	1001105	Group 2	1250008191	1	1	0
	339	1000383	0.002500	 	 	1001105	Group 2	1250008439	1	1	0
	340	1000383	0.002500	 	 	1001105	Group 2	1250008689	1	1	0
	341	1000383	0.002500	 	 	9999999	Group 2	1270006513	1	1	0
	342	1000383	0.002500	 	 	9999999	Group 2	1270006976	1	1	0
	343	1000383	0.002500	 	 	9999999	Group 2	1270007453	1	1	0
	344	1000383	0.002500	 	 	9999999	Group 2	1290007851	1	1	0
	345	1000383	0.002500	 	 	9999999	Group 2	1300004268	1	1	0
	346	1000383	0.002500	 	 	9999999	Group 2	1300005752	1	1	0
	347	1000383	0.002500	 	 	9999999	Group 2	1300005789	1	1	0
	348	1000383	0.002500	 	 	9999999	Group 2	1300006030	1	1	0
	349	1000383	0.002500	 	 	9999999	Group 2	1300006100	1	1	0
	350	1000383	0.002500	 	 	9999999	Group 2	1300006143	1	1	0
	351	1000383	0.002500	 	 	9999999	Group 2	1300006248	1	1	0
	352	1000383	0.002500	 	 	9999999	Group 2	1300006579	1	1	0
	353	1000383	0.002500	 	 	9999999	Group 2	1310006311	1	1	0
	354	1000383	0.002500	 	 	9999999	Group 2	1310006412	1	1	0
	355	1000383	0.002500	 	 	9999999	Group 2	1310006914	1	1	0
	356	1000383	0.002500	 	 	9999999	Group 2	1310007586	1	1	0
	357	1000383	0.002500	 	 	9999999	Group 2	1330007547	1	1	0
	358	1000383	0.002500	 	 	9999999	Group 2	1330008348	1	1	0
	359	1000383	0.002500	 	 	9999999	Group 2	1330008738	1	1	0
	360	1000383	0.002500	 	 	9999999	Group 2	1330009210	1	1	0
	361	1000383	0.002500	 	 	9999999	Group 2	1340006121	1	1	0
	362	1000383	0.002500	 	 	9999999	Group 2	1340006334	1	1	0
	363	1000383	0.002500	 	 	9999999	Group 2	1340006405	1	1	0
	364	1000383	0.002500	 	 	9999999	Group 2	1340006441	1	1	0
	365	1000383	0.002500	 	 	9999999	Group 2	1340006453	1	1	0
	366	1000383	0.002500	 	 	9999999	Group 2	1340006810	1	1	0
	367	1000383	0.002500	 	 	9999999	Group 2	1340006867	1	1	0
	368	1000383	0.002500	 	 	9999999	Group 2	1340006993	1	1	0
	369	1000383	0.002500	 	 	9999999	Group 2	1340007796	1	1	0
	370	1000383	0.002500	 	 	9999999	Group 2	1340007800	1	1	0
	371	1000383	0.002500	 	 	9999999	Group 2	1360006819	1	1	0
	372	1000383	0.002500	 	 	9999999	Group 2	1360006969	1	1	0
	373	1000383	0.002500	 	 	9999999	Group 2	1360007484	1	1	0
	374	1000383	0.002500	 	 	9999999	Group 2	1360007557	1	1	0
	375	1000383	0.002500	 	 	9999999	Group 2	1360007602	1	1	0
	376	1000383	0.002500	 	 	9999999	Group 2	1360007687	1	1	0
	377	1000383	0.002500	 	 	9999999	Group 2	1360007688	1	1	0
	378	1000383	0.002500	 	 	9999999	Group 2	1360007743	1	1	0
	379	1000383	0.002500	 	 	9999999	Group 2	1360007872	1	1	0
	380	1000383	0.002500	 	 	9999999	Group 2	1360007877	1	1	0
	381	1000383	0.002500	 	 	9999999	Group 2	1360007975	1	1	0
	382	1000383	0.002500	 	 	9999999	Group 2	1360008400	1	1	0
	383	1000383	0.002500	 	 	9999999	Group 2	1400006887	1	1	0
	384	1000383	0.002500	 	 	9999999	Group 2	1400007030	1	1	0
	385	1000383	0.002500	 	 	9999999	Group 2	1400007689	1	1	0
	386	1000383	0.002500	 	 	9999999	Group 2	1400007878	1	1	0
	387	1000383	0.002500	 	 	9999999	Group 2	1450005134	1	1	0
	388	1000383	0.002500	 	 	9999999	Group 2	1450006944	1	1	0
	389	1000383	0.002500	 	 	9999999	Group 2	1450007023	1	1	0
	390	1000383	0.002500	 	 	9999999	Group 2	1450007596	1	1	0
	391	1000383	0.002500	 	 	9999999	Group 2	1450007778	1	1	0
	392	1000383	0.002500	 	 	9999999	Group 2	1450007922	1	1	0
	393	1000383	0.002500	 	 	9999999	Group 2	1450008012	1	1	0
	394	1000383	0.002500	 	 	9999999	Group 2	1450008592	1	1	0
	395	1000383	0.002500	 	 	9999999	Group 2	1460007006	1	1	0
	396	1000383	0.002500	 	 	9999999	Group 2	1480007571	1	1	0
	397	1000383	0.002500	 	 	9999999	Group 2	1490007158	1	1	0
	398	1000383	0.002500	 	 	9999999	Group 2	1490007475	1	1	0
	399	1000383	0.002500	 	 	9999999	Group 2	1490007738	1	1	0
	400	1000383	0.002500	 	 	9999999	Group 2	1540006462	1	1	0
	401	1000383	0.002500	 	 	9999999	Group 2	1540006989	1	1	0
	402	1000383	0.002500	 	 	9999999	Group 2	1540007004	1	1	0
	403	1000383	0.002500	 	 	9999999	Group 2	1540007026	1	1	0
	404	1000383	0.002500	 	 	9999999	Group 2	1540007032	1	1	0
	405	1000383	0.002500	 	 	9999999	Group 2	1540007161	1	1	0
	406	1000383	0.002500	 	 	9999999	Group 2	1540007493	1	1	0
	407	1000383	0.002500	 	 	9999999	Group 2	1650005264	1	1	0
	408	1000383	0.002500	 	 	9999999	Group 2	1650005267	1	1	0
	409	1000383	0.002500	 	 	9999999	Group 2	1650005484	1	1	0
	410	1000383	0.002500	 	 	9999999	Group 2	1650005670	1	1	0
	411	1000383	0.002500	 	 	9999999	Group 2	1650005802	1	1	0
	412	1000383	0.002500	 	 	9999999	Group 2	1650005810	1	1	0
	413	1000383	0.002500	 	 	9999999	Group 2	1650005835	1	1	0
	414	1000383	0.002500	 	 	9999999	Group 2	1650005983	1	1	0
	415	1000383	0.002500	 	 	9999999	Group 2	1650006021	1	1	0
	416	1000383	0.002500	 	 	9999999	Group 2	1650006106	1	1	0
	417	1000383	0.002500	 	 	9999999	Group 2	1650006197	1	1	0
	418	1000383	0.002500	 	 	9999999	Group 2	1650006373	1	1	0
	419	1000383	0.002500	 	 	9999999	Group 2	1650006669	1	1	0
	420	1000383	0.002500	 	 	9999999	Group 2	1650006800	1	1	0
	421	1000383	0.002500	 	 	9999999	Group 2	1650007103	1	1	0
	422	1000383	0.002500	 	 	9999999	Group 2	1650007480	1	1	0
	423	1000383	0.002500	 	 	9999999	Group 2	1650007631	1	1	0
	424	1000383	0.002500	 	 	9999999	Group 2	1650007957	1	1	0
	425	1000383	0.002500	 	 	9999999	Group 2	1700005958	1	1	0
	426	1000383	0.002500	 	 	9999999	Group 2	1700007036	1	1	0
	427	1000383	0.002500	 	 	9999999	Group 2	1750006940	1	1	0
	428	1000383	0.002500	 	 	9999999	Group 2	1750007840	1	1	0
	429	1000383	0.002500	 	 	9999999	Group 2	1750008004	1	1	0
	430	1000383	0.002500	 	 	9999999	Group 2	1750008007	1	1	0
	431	1000200	0.002500	 	 	1000200	Group 2	2000006091	1	1	0
	432	1000200	0.002500	 	 	1000200	Group 2	2000007989	1	1	0
	433	1002338	0.002500	 	 	1002338	Group 2	3000003677	1	1	0
	434	1002338	0.002500	 	 	1002338	Group 2	3000005241	1	1	0
	435	1002338	0.002500	 	 	1002338	Group 2	3000006220	1	1	0
	436	1002338	0.002500	 	 	1002338	Group 2	3000006585	1	1	0
	437	1002338	0.002500	 	 	1002338	Group 2	3000006785	1	1	0
	438	1002338	0.002500	 	 	1002338	Group 2	3000007000	1	1	0
	439	1002338	0.002500	 	 	1002338	Group 2	3000007598	1	1	0
	440	1002338	0.002500	 	 	1002338	Group 2	3000007647	1	1	0
	441	1002338	0.002500	 	 	1002338	Group 2	3000008708	1	1	0
	442	1002338	0.002500	 	 	1002338	Group 2	3000008774	1	1	0
	443	1002338	0.002500	 	 	1002338	Group 2	3000008781	1	1	0
	444	1002338	0.002500	 	 	1002338	Group 2	3000008817	1	1	0
	445	1002338	0.002500	 	 	1002338	Group 2	3000008870	1	1	0
	446	1002338	0.002500	 	 	1002338	Group 2	3000009229	1	1	0
	447	1002338	0.002500	 	 	1002338	Group 2	3000009602	1	1	0
	448	1002338	0.002500	 	 	1002338	Group 2	3000009711	1	1	0
	449	1002338	0.002500	 	 	1002338	Group 2	3000009845	1	1	0
	450	1000634	0.002500	 	 	1000634	Group 2	3500007407	1	1	0
	451	1000634	0.002500	 	 	1000634	Group 2	3500007409	1	1	0
	452	1000634	0.002500	 	 	1000634	Group 2	3500007415	1	1	0
	453	1000634	0.002500	 	 	1000634	Group 2	3500007417	1	1	0
	454	1000634	0.002500	 	 	1000634	Group 2	3500007418	1	1	0
	455	1000634	0.002500	 	 	1000634	Group 2	3500008934	1	1	0
	456	1000634	0.002500	 	 	1000634	Group 2	3500008940	1	1	0
	457	1000634	0.002500	 	 	1000634	Group 2	3500008948	1	1	0
	458	1000634	0.002500	 	 	1000634	Group 2	3500008950	1	1	0
	459	1000634	0.002500	 	 	1000634	Group 2	3500008951	1	1	0
	460	1000634	0.002500	 	 	1000634	Group 2	3500008952	1	1	0
	461	1000634	0.002500	 	 	1000634	Group 2	3500008953	1	1	0
	462	1000634	0.002500	 	 	1000634	Group 2	3500008954	1	1	0
	463	1000634	0.002500	 	 	1000634	Group 2	3500008955	1	1	0
	464	1000634	0.002500	 	 	1000634	Group 2	3500008957	1	1	0
	465	1000634	0.002500	 	 	1000634	Group 2	3500008958	1	1	0
	466	1000634	0.002500	 	 	1000634	Group 2	3500008959	1	1	0
	467	1000634	0.002500	 	 	1000634	Group 2	3500008960	1	1	0
	468	1000634	0.002500	 	 	1000634	Group 2	3500008961	1	1	0
	469	1000634	0.002500	 	 	1000634	Group 2	3500008962	1	1	0
	470	1000634	0.002500	 	 	1000634	Group 2	3500008963	1	1	0
	471	1000634	0.002500	 	 	1000634	Group 2	3500008965	1	1	0
	472	1000634	0.002500	 	 	1000634	Group 2	3500008966	1	1	0
	473	1000634	0.002500	 	 	1000634	Group 2	3500008967	1	1	0
	474	1000634	0.002500	 	 	1000634	Group 2	3500008968	1	1	0
	475	1000634	0.002500	 	 	1000634	Group 2	3500008969	1	1	0
	476	1000634	0.002500	 	 	1000634	Group 2	3500008970	1	1	0
	477	1000634	0.002500	 	 	1000634	Group 2	3500008971	1	1	0
	478	1000634	0.002500	 	 	1000634	Group 2	3500008972	1	1	0
	479	1000634	0.002500	 	 	1000634	Group 2	3500008973	1	1	0
	480	1000634	0.002500	 	 	1000634	Group 2	3500008974	1	1	0
	481	1000634	0.002500	 	 	1000634	Group 2	3500008975	1	1	0
	482	1000634	0.002500	 	 	1000634	Group 2	3500008976	1	1	0
	483	1000383	0.002500	 	 	1009229	Group 2	3600008444	1	1	0
	484	1000383	0.002500	 	 	1009229	Group 2	3600008445	1	1	0
	485	1000383	0.002500	 	 	1009229	Group 2	3600008452	1	1	0
	486	1000383	0.002500	 	 	1009229	Group 2	3600008454	1	1	0
	487	1000383	0.002500	 	 	1009229	Group 2	3600008455	1	1	0
	488	1000383	0.002500	 	 	1009229	Group 2	3600008456	1	1	0
	489	1000383	0.002500	 	 	1009229	Group 2	3600008462	1	1	0
	490	1000383	0.002500	 	 	1009229	Group 2	3600008463	1	1	0
	491	1000383	0.002500	 	 	1009229	Group 2	3600008466	1	1	0
	492	1000383	0.002500	 	 	1009229	Group 2	3600008469	1	1	0
	493	1000383	0.002500	 	 	1009229	Group 2	3600008471	1	1	0
	494	1000383	0.002500	 	 	1009229	Group 2	3600008474	1	1	0
	495	1000383	0.002500	 	 	1009229	Group 2	3600008475	1	1	0
	496	1000383	0.002500	 	 	1009229	Group 2	3600008480	1	1	0
	497	1000383	0.002500	 	 	1009229	Group 2	3600008481	1	1	0
	498	1000383	0.002500	 	 	1009229	Group 2	3600008484	1	1	0
	499	1000383	0.002500	 	 	1009229	Group 2	3600008485	1	1	0
	500	1000383	0.002500	 	 	1009229	Group 2	3600008487	1	1	0
	501	1000383	0.002500	 	 	1009229	Group 2	3600008488	1	1	0
	502	1000383	0.002500	 	 	1009229	Group 2	3600008490	1	1	0
	503	1000383	0.002500	 	 	1009229	Group 2	3600008496	1	1	0
	504	1000383	0.002500	 	 	1009229	Group 2	3600008497	1	1	0
	505	1000383	0.002500	 	 	1009229	Group 2	3600008502	1	1	0
	506	1000383	0.002500	 	 	1009229	Group 2	3600008504	1	1	0
	507	1000383	0.002500	 	 	1009229	Group 2	3600008508	1	1	0
	508	1000383	0.002500	 	 	1009229	Group 2	3600008510	1	1	0
	509	1000383	0.002500	 	 	1009229	Group 2	3600008512	1	1	0
	510	1000383	0.002500	 	 	1009229	Group 2	3600008515	1	1	0
	511	1000383	0.002500	 	 	1009229	Group 2	3600008518	1	1	0

 

	 	11	12	13	14	15	16	17	18	19	20
	 	Loan Purpose	Cash Out Amount	Total Origination and Discount Points	Covered/High Cost Loan Indicator	Relocation Loan Indicator	Broker Indicator	Channel	Escrow Indicator	Senior Loan
 Amount(s)	Loan Type 

of Most

Senior Lien
	1	9	 	 	 	 	 	1	0	0	 
	2	7	 	 	 	 	 	1	0	0	 
	3	9	 	 	 	 	 	1	0	0	 
	4	9	 	 	 	 	 	1	0	0	 
	5	9	 	 	 	 	 	2	0	0	 
	6	9	 	 	 	 	 	1	0	0	 
	7	9	 	 	 	 	 	2	0	0	 
	8	9	 	 	 	 	 	2	0	0	 
	9	9	 	 	 	 	 	1	4	0	 
	10	9	 	 	 	 	 	1	0	0	 
	11	9	 	 	 	 	 	1	0	0	 
	12	6	 	 	 	 	 	1	4	0	 
	13	7	 	 	 	 	 	1	0	0	 
	14	9	 	 	 	 	 	2	0	0	 
	15	3	 	 	 	 	 	2	0	0	 
	16	9	 	 	 	 	 	1	4	0	 
	17	9	 	 	 	 	 	1	0	0	 
	18	9	 	 	 	 	 	1	0	0	 
	19	7	 	 	 	 	 	1	0	0	 
	20	9	 	 	 	 	 	1	4	0	 
	21	9	 	 	 	 	 	1	0	0	 
	22	7	 	 	 	 	 	1	0	0	 
	23	9	 	 	 	 	 	1	0	0	 
	24	6	 	 	 	 	 	1	4	0	 
	25	9	 	 	 	 	 	1	0	0	 
	26	9	 	 	 	 	 	1	0	0	 
	27	9	 	 	 	 	 	2	0	0	 
	28	9	 	 	 	 	 	2	0	0	 
	29	9	 	 	 	 	 	2	0	0	 
	30	9	 	 	 	 	 	1	0	0	 
	31	7	 	 	 	 	 	2	0	0	 
	32	7	 	 	 	 	 	2	0	0	 
	33	9	 	 	 	 	 	1	0	0	 
	34	7	 	 	 	 	 	2	0	0	 
	35	7	 	 	 	 	 	1	4	0	 
	36	9	 	 	 	 	 	1	0	0	 
	37	7	 	 	 	 	 	1	4	0	 
	38	9	 	 	 	 	 	2	0	0	 
	39	7	 	 	 	 	 	1	0	0	 
	40	7	 	 	 	 	 	1	1	0	 
	41	7	 	 	 	 	 	1	0	0	 
	42	7	 	 	 	 	 	2	0	0	 
	43	7	 	 	 	 	 	2	4	0	 
	44	9	 	 	 	 	 	2	0	0	 
	45	7	 	 	 	 	 	2	4	0	 
	46	9	 	 	 	 	 	2	4	0	 
	47	9	 	 	 	 	 	1	4	0	 
	48	7	 	 	 	 	 	2	0	0	 
	49	9	 	 	 	 	 	2	0	0	 
	50	9	 	 	 	 	 	2	4	0	 
	51	9	 	 	 	 	 	5	0	0	 
	52	9	 	 	 	 	 	1	0	0	 
	53	7	 	 	 	 	 	1	0	0	 
	54	7	 	 	 	 	 	2	4	0	 
	55	9	 	 	 	 	 	5	0	0	 
	56	7	 	 	 	 	 	2	4	0	 
	57	9	 	 	 	 	 	1	1	0	 
	58	7	 	 	 	 	 	2	0	0	 
	59	9	 	 	 	 	 	1	4	0	 
	60	7	 	 	 	 	 	1	4	0	 
	61	7	 	 	 	 	 	1	0	0	 
	62	7	 	 	 	 	 	5	0	0	 
	63	7	 	 	 	 	 	2	0	0	 
	64	9	 	 	 	 	 	1	0	0	 
	65	7	 	 	 	 	 	2	0	0	 
	66	7	 	 	 	 	 	1	0	0	 
	67	7	 	 	 	 	 	2	0	0	 
	68	7	 	 	 	 	 	2	0	0	 
	69	7	 	 	 	 	 	1	0	0	 
	70	9	 	 	 	 	 	1	4	0	 
	71	9	 	 	 	 	 	1	0	0	 
	72	9	 	 	 	 	 	2	0	0	 
	73	9	 	 	 	 	 	1	2	0	 
	74	9	 	 	 	 	 	5	4	0	 
	75	9	 	 	 	 	 	2	4	0	 
	76	7	 	 	 	 	 	2	0	0	 
	77	9	 	 	 	 	 	1	0	0	 
	78	9	 	 	 	 	 	1	0	0	 
	79	7	 	 	 	 	 	2	4	0	 
	80	9	 	 	 	 	 	1	5	0	 
	81	9	 	 	 	 	 	2	0	0	 
	82	9	 	 	 	 	 	5	0	0	 
	83	9	 	 	 	 	 	1	4	0	 
	84	9	 	 	 	 	 	1	99	0	 
	85	9	 	 	 	 	 	2	0	0	 
	86	9	 	 	 	 	 	1	0	0	 
	87	9	 	 	 	 	 	2	4	0	 
	88	9	 	 	 	 	 	2	0	0	 
	89	3	 	 	 	 	 	2	0	0	 
	90	9	 	 	 	 	 	1	4	0	 
	91	9	 	 	 	 	 	2	4	0	 
	92	9	 	 	 	 	 	1	0	0	 
	93	9	 	 	 	 	 	1	0	0	 
	94	7	 	 	 	 	 	1	0	0	 
	95	9	 	 	 	 	 	1	0	0	 
	96	9	 	 	 	 	 	1	4	0	 
	97	9	 	 	 	 	 	1	0	0	 
	98	9	 	 	 	 	 	2	0	0	 
	99	9	 	 	 	 	 	1	0	0	 
	100	9	 	 	 	 	 	2	0	0	 
	101	9	 	 	 	 	 	2	0	0	 
	102	9	 	 	 	 	 	2	0	0	 
	103	9	 	 	 	 	 	2	4	0	 
	104	9	 	 	 	 	 	2	0	0	 
	105	9	 	 	 	 	 	2	0	0	 
	106	9	 	 	 	 	 	2	0	0	 
	107	3	 	 	 	 	 	1	4	0	 
	108	9	 	 	 	 	 	2	0	0	 
	109	9	 	 	 	 	 	1	0	0	 
	110	9	 	 	 	 	 	1	0	0	 
	111	9	 	 	 	 	 	1	0	0	 
	112	9	 	 	 	 	 	2	4	0	 
	113	9	 	 	 	 	 	2	0	0	 
	114	9	 	 	 	 	 	2	4	0	 
	115	9	 	 	 	 	 	1	0	0	 
	116	9	 	 	 	 	 	2	0	0	 
	117	9	 	 	 	 	 	1	0	0	 
	118	9	 	 	 	 	 	2	4	0	 
	119	7	 	 	 	 	 	2	0	0	 
	120	9	 	 	 	 	 	1	0	0	 
	121	3	 	 	 	 	 	2	0	0	 
	122	9	 	 	 	 	 	2	0	0	 
	123	9	 	 	 	 	 	1	4	0	 
	124	7	 	 	 	 	 	2	4	0	 
	125	9	 	 	 	 	 	1	4	0	 
	126	9	 	 	 	 	 	2	5	0	 
	127	9	 	 	 	 	 	2	0	0	 
	128	9	 	 	 	 	 	1	4	0	 
	129	9	 	 	 	 	 	1	0	0	 
	130	9	 	 	 	 	 	1	4	0	 
	131	9	 	 	 	 	 	1	4	0	 
	132	9	 	 	 	 	 	1	0	0	 
	133	9	 	 	 	 	 	1	0	0	 
	134	3	 	 	 	 	 	2	0	0	 
	135	9	 	 	 	 	 	1	4	0	 
	136	9	 	 	 	 	 	2	0	0	 
	137	9	 	 	 	 	 	2	4	0	 
	138	9	 	 	 	 	 	2	4	0	 
	139	9	 	 	 	 	 	5	0	0	 
	140	9	 	 	 	 	 	1	4	0	 
	141	9	 	 	 	 	 	2	0	0	 
	142	9	 	 	 	 	 	2	0	0	 
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	144	3	 	 	 	 	 	1	0	0	 
	145	9	 	 	 	 	 	2	0	0	 
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	147	9	 	 	 	 	 	2	0	0	 
	148	9	 	 	 	 	 	2	0	0	 
	149	9	 	 	 	 	 	1	4	0	 
	150	9	 	 	 	 	 	2	4	0	 
	151	3	 	 	 	 	 	1	0	0	 
	152	9	 	 	 	 	 	1	4	0	 
	153	9	 	 	 	 	 	1	4	0	 
	154	9	 	 	 	 	 	1	4	0	 
	155	9	 	 	 	 	 	2	0	0	 
	156	9	 	 	 	 	 	1	4	0	 
	157	7	 	 	 	 	 	1	0	0	 
	158	9	 	 	 	 	 	1	4	0	 
	159	9	 	 	 	 	 	1	0	0	 
	160	9	 	 	 	 	 	1	4	0	 
	161	7	 	 	 	 	 	5	4	0	 
	162	9	 	 	 	 	 	1	0	0	 
	163	9	 	 	 	 	 	1	4	0	 
	164	9	 	 	 	 	 	1	0	0	 
	165	9	 	 	 	 	 	1	0	0	 
	166	9	 	 	 	 	 	1	0	0	 
	167	9	 	 	 	 	 	1	0	0	 
	168	7	 	 	 	 	 	2	4	0	 
	169	9	 	 	 	 	 	2	4	0	 
	170	7	 	 	 	 	 	1	0	0	 
	171	7	 	 	 	 	 	1	0	0	 
	172	9	 	 	 	 	 	2	0	0	 
	173	6	 	 	 	 	 	5	0	0	 
	174	9	 	 	 	 	 	1	0	0	 
	175	9	 	 	 	 	 	2	0	0	 
	176	3	 	 	 	 	 	1	0	0	 
	177	9	 	 	 	 	 	1	0	0	 
	178	9	 	 	 	 	 	1	0	0	 
	179	9	 	 	 	 	 	2	0	0	 
	180	7	 	 	 	 	 	5	0	0	 
	181	7	 	 	 	 	 	2	4	0	 
	182	9	 	 	 	 	 	2	0	0	 
	183	9	 	 	 	 	 	5	0	0	 
	184	9	 	 	 	 	 	1	4	0	 
	185	9	 	 	 	 	 	1	0	0	 
	186	9	 	 	 	 	 	1	4	0	 
	187	9	 	 	 	 	 	1	0	0	 
	188	9	 	 	 	 	 	1	0	0	 
	189	9	 	 	 	 	 	1	0	0	 
	190	9	 	 	 	 	 	1	4	0	 
	191	9	 	 	 	 	 	1	0	0	 
	192	9	 	 	 	 	 	1	0	0	 
	193	9	 	 	 	 	 	1	0	0	 
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	197	6	 	 	 	 	 	1	4	0	 
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	199	7	 	 	 	 	 	1	4	0	 
	200	9	 	 	 	 	 	1	0	0	 
	201	9	 	 	 	 	 	1	4	0	 
	202	9	 	 	 	 	 	1	0	0	 
	203	7	 	 	 	 	 	1	0	0	 
	204	7	 	 	 	 	 	1	4	0	 
	205	7	 	 	 	 	 	1	0	0	 
	206	7	 	 	 	 	 	1	4	0	 
	207	7	 	 	 	 	 	1	0	0	 
	208	9	 	 	 	 	 	1	0	0	 
	209	9	 	 	 	 	 	2	0	0	 
	210	9	 	 	 	 	 	1	0	0	 
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	212	7	 	 	 	 	 	1	4	0	 
	213	9	 	 	 	 	 	1	0	0	 
	214	9	 	 	 	 	 	2	0	0	 
	215	7	 	 	 	 	 	1	0	0	 
	216	7	 	 	 	 	 	1	4	0	 
	217	7	 	 	 	 	 	2	0	0	 
	218	9	 	 	 	 	 	5	0	0	 
	219	7	 	 	 	 	 	1	0	0	 
	220	9	 	 	 	 	 	1	4	0	 
	221	7	 	 	 	 	 	1	4	0	 
	222	9	 	 	 	 	 	1	4	0	 
	223	7	 	 	 	 	 	1	4	0	 
	224	7	 	 	 	 	 	1	0	0	 
	225	9	 	 	 	 	 	1	0	0	 
	226	7	 	 	 	 	 	1	4	0	 
	227	9	 	 	 	 	 	1	0	0	 
	228	7	 	 	 	 	 	1	4	0	 
	229	9	 	 	 	 	 	1	4	0	 
	230	9	 	 	 	 	 	1	0	0	 
	231	6	 	 	 	 	 	1	0	0	 
	232	7	 	 	 	 	 	1	0	0	 
	233	9	 	 	 	 	 	1	0	0	 
	234	7	 	 	 	 	 	1	4	0	 
	235	9	 	 	 	 	 	1	4	0	 
	236	9	 	 	 	 	 	2	0	0	 
	237	9	 	 	 	 	 	2	0	0	 
	238	9	 	 	 	 	 	2	4	0	 
	239	9	 	 	 	 	 	2	4	0	 
	240	9	 	 	 	 	 	2	4	0	 
	241	9	 	 	 	 	 	2	4	0	 
	242	9	 	 	 	 	 	2	0	0	 
	243	9	 	 	 	 	 	2	4	0	 
	244	3	 	 	 	 	 	2	0	0	 
	245	9	 	 	 	 	 	1	4	0	 
	246	9	 	 	 	 	 	2	4	0	 
	247	9	 	 	 	 	 	2	4	0	 
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	249	7	 	 	 	 	 	2	4	0	 
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	252	3	 	 	 	 	 	1	0	0	 
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	254	9	 	 	 	 	 	1	4	0	 
	255	7	 	 	 	 	 	1	0	0	 
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	257	7	 	 	 	 	 	1	4	0	 
	258	7	 	 	 	 	 	1	0	0	 
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	261	9	 	 	 	 	 	1	0	0	 
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	263	7	 	 	 	 	 	1	0	0	 
	264	7	 	 	 	 	 	1	4	0	 
	265	7	 	 	 	 	 	5	0	0	 
	266	7	 	 	 	 	 	5	4	0	 
	267	9	 	 	 	 	 	1	4	0	 
	268	9	 	 	 	 	 	1	0	0	 
	269	9	 	 	 	 	 	1	4	0	 
	270	9	 	 	 	 	 	1	0	0	 
	271	3	 	 	 	 	 	1	4	0	 
	272	7	 	 	 	 	 	1	4	0	 
	273	7	 	 	 	 	 	1	4	0	 
	274	9	 	 	 	 	 	1	0	0	 
	275	9	 	 	 	 	 	1	0	0	 
	276	3	 	 	 	 	 	1	0	0	 
	277	9	 	 	 	 	 	1	0	0	 
	278	6	 	 	 	 	 	5	4	0	 
	279	9	 	 	 	 	 	5	0	0	 
	280	9	 	 	 	 	 	2	0	0	 
	281	9	 	 	 	 	 	5	4	0	 
	282	9	 	 	 	 	 	2	0	0	 
	283	3	 	 	 	 	 	5	4	0	 
	284	9	 	 	 	 	 	5	0	0	 
	285	9	 	 	 	 	 	5	0	0	 
	286	3	 	 	 	 	 	2	0	0	 
	287	9	 	 	 	 	 	2	4	0	 
	288	7	 	 	 	 	 	2	4	0	 
	289	9	 	 	 	 	 	5	4	0	 
	290	9	 	 	 	 	 	5	0	0	 
	291	9	 	 	 	 	 	2	4	0	 
	292	9	 	 	 	 	 	5	0	0	 
	293	9	 	 	 	 	 	5	0	0	 
	294	9	 	 	 	 	 	5	0	0	 
	295	9	 	 	 	 	 	5	4	0	 
	296	9	 	 	 	 	 	1	4	0	 
	297	7	 	 	 	 	 	5	0	0	 
	298	7	 	 	 	 	 	5	0	0	 
	299	9	 	 	 	 	 	2	4	0	 
	300	9	 	 	 	 	 	5	0	0	 
	301	7	 	 	 	 	 	1	0	0	 
	302	7	 	 	 	 	 	1	0	0	 
	303	9	 	 	 	 	 	1	0	0	 
	304	9	 	 	 	 	 	1	0	0	 
	305	9	 	 	 	 	 	1	4	0	 
	306	9	 	 	 	 	 	5	0	0	 
	307	7	 	 	 	 	 	1	4	0	 
	308	7	 	 	 	 	 	1	0	0	 
	309	9	 	 	 	 	 	1	0	0	 
	310	9	 	 	 	 	 	1	4	0	 
	311	3	 	 	 	 	 	1	4	0	 
	312	7	 	 	 	 	 	1	0	0	 
	313	9	 	 	 	 	 	1	0	0	 
	314	9	 	 	 	 	 	1	0	0	 
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	316	6	 	 	 	 	 	1	0	0	 
	317	9	 	 	 	 	 	1	0	0	 
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	319	9	 	 	 	 	 	1	0	0	 
	320	9	 	 	 	 	 	1	4	0	 
	321	9	 	 	 	 	 	1	0	0	 
	322	9	 	 	 	 	 	1	0	0	 
	323	9	 	 	 	 	 	1	0	0	 
	324	9	 	 	 	 	 	1	0	0	 
	325	7	 	 	 	 	 	1	0	0	 
	326	9	 	 	 	 	 	1	0	0	 
	327	9	 	 	 	 	 	1	0	0	 
	328	9	 	 	 	 	 	1	0	0	 
	329	9	 	 	 	 	 	1	0	0	 
	330	7	 	 	 	 	 	1	0	0	 
	331	9	 	 	 	 	 	1	0	0	 
	332	9	 	 	 	 	 	1	0	0	 
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	335	9	 	 	 	 	 	1	0	0	 
	336	9	 	 	 	 	 	1	0	0	 
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	340	9	 	 	 	 	 	1	0	0	 
	341	3	 	 	 	 	 	1	1	0	 
	342	9	 	 	 	 	 	1	4	0	 
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	344	7	 	 	 	 	 	1	0	0	 
	345	3	 	 	 	 	 	1	4	0	 
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	347	9	 	 	 	 	 	1	0	0	 
	348	7	 	 	 	 	 	1	4	0	 
	349	9	 	 	 	 	 	1	4	0	 
	350	9	 	 	 	 	 	1	0	0	 
	351	9	 	 	 	 	 	1	4	0	 
	352	9	 	 	 	 	 	1	0	0	 
	353	9	 	 	 	 	 	1	0	0	 
	354	9	 	 	 	 	 	1	4	0	 
	355	7	 	 	 	 	 	1	4	0	 
	356	7	 	 	 	 	 	1	4	0	 
	357	9	 	 	 	 	 	1	4	0	 
	358	7	 	 	 	 	 	1	4	0	 
	359	9	 	 	 	 	 	1	4	0	 
	360	9	 	 	 	 	 	1	0	0	 
	361	9	 	 	 	 	 	1	0	0	 
	362	9	 	 	 	 	 	1	0	0	 
	363	9	 	 	 	 	 	1	0	0	 
	364	9	 	 	 	 	 	1	0	0	 
	365	6	 	 	 	 	 	1	0	0	 
	366	7	 	 	 	 	 	1	4	0	 
	367	9	 	 	 	 	 	1	0	0	 
	368	7	 	 	 	 	 	1	0	0	 
	369	7	 	 	 	 	 	1	1	0	 
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	372	9	 	 	 	 	 	1	0	0	 
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	404	7	 	 	 	 	 	1	0	0	 
	405	9	 	 	 	 	 	1	4	0	 
	406	9	 	 	 	 	 	1	4	0	 
	407	9	 	 	 	 	 	1	0	0	 
	408	9	 	 	 	 	 	1	0	0	 
	409	9	 	 	 	 	 	2	0	0	 
	410	9	 	 	 	 	 	1	0	0	 
	411	9	 	 	 	 	 	2	0	0	 
	412	9	 	 	 	 	 	1	0	0	 
	413	9	 	 	 	 	 	2	4	0	 
	414	9	 	 	 	 	 	2	1	0	 
	415	9	 	 	 	 	 	1	0	0	 
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	418	7	 	 	 	 	 	1	0	0	 
	419	9	 	 	 	 	 	2	4	0	 
	420	7	 	 	 	 	 	1	0	0	 
	421	9	 	 	 	 	 	1	0	0	 
	422	9	 	 	 	 	 	2	4	0	 
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	464	9	 	 	 	 	 	1	0	0	 
	465	9	 	 	 	 	 	1	0	0	 
	466	9	 	 	 	 	 	1	0	0	 
	467	9	 	 	 	 	 	1	0	0	 
	468	9	 	 	 	 	 	1	0	0	 
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	472	7	 	 	 	 	 	1	4	0	 
	473	7	 	 	 	 	 	1	4	0	 
	474	7	 	 	 	 	 	1	0	0	 
	475	7	 	 	 	 	 	1	0	0	 
	476	7	 	 	 	 	 	1	0	0	 
	477	7	 	 	 	 	 	1	0	0	 
	478	7	 	 	 	 	 	1	4	0	 
	479	9	 	 	 	 	 	1	0	0	 
	480	9	 	 	 	 	 	1	0	0	 
	481	9	 	 	 	 	 	1	5	0	 
	482	9	 	 	 	 	 	1	0	0	 
	483	9	 	 	 	 	 	1	0	0	 
	484	7	 	 	 	 	 	1	1	0	 
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	486	7	 	 	 	 	 	1	1	0	 
	487	7	 	 	 	 	 	1	1	0	 
	488	7	 	 	 	 	 	1	1	0	 
	489	7	 	 	 	 	 	1	1	0	 
	490	9	 	 	 	 	 	1	1	0	 
	491	9	 	 	 	 	 	1	1	0	 
	492	7	 	 	 	 	 	1	1	0	 
	493	9	 	 	 	 	 	1	1	0	 
	494	9	 	 	 	 	 	1	1	0	 
	495	9	 	 	 	 	 	1	4	0	 
	496	9	 	 	 	 	 	1	1	0	 
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	499	3	 	 	 	 	 	1	4	0	 
	500	9	 	 	 	 	 	1	1	0	 
	501	9	 	 	 	 	 	1	1	0	 
	502	9	 	 	 	 	 	1	1	0	 
	503	9	 	 	 	 	 	1	1	0	 
	504	9	 	 	 	 	 	1	1	0	 
	505	9	 	 	 	 	 	1	1	0	 
	506	9	 	 	 	 	 	1	4	0	 
	507	3	 	 	 	 	 	1	1	0	 
	508	9	 	 	 	 	 	1	1	0	 
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	511	3	 	 	 	 	 	1	1	0	 

 

	 	21	22	23	24	25	26	27	28	29	30
	 	
        Hybrid Period

of

        Most Senior

 Lien (in

        months)
	
        Neg Am 

Limit of

        Most Senior 

Lien
	
        Junior

 Mortgage

        Balance
	
        Origination 

Date of

        Most Senior 

Lien
	Origination 

Date	
        Original 

Loan

        Amount
	
        Original 

Interest

        Rate
	
        Original

        Amortization 

Term
	
        Original 

Term to

        Maturity
	
        First Payment

 Date

        of Loan

	1	 	 	0.00	 	20111025	1000000.00	0.042000	360	360	20111201
	2	 	 	280000.00	 	20110707	1000000.00	0.041500	360	360	20110901
	3	 	 	57500.00	 	20111024	502500.00	0.046250	360	360	20111201
	4	 	 	250000.00	 	20121023	715000.00	0.035000	180	180	20121201
	5	 	 	0.00	 	20120911	694000.00	0.035000	180	180	20121101
	6	 	 	0.00	 	20120830	770000.00	0.035000	180	180	20121101
	7	 	 	0.00	 	20120920	499000.00	0.037500	180	180	20121101
	8	 	 	0.00	 	20120925	800000.00	0.032500	180	180	20121101
	9	 	 	0.00	 	20120906	534500.00	0.036250	180	180	20121101
	10	 	 	0.00	 	20120904	650000.00	0.033750	180	180	20121101
	11	 	 	0.00	 	20120917	672400.00	0.036250	180	180	20121101
	12	 	 	0.00	 	20120927	479200.00	0.033750	180	180	20121101
	13	 	 	0.00	 	20121016	500000.00	0.035000	180	180	20121201
	14	 	 	0.00	 	20120117	1693000.00	0.043750	360	360	20120301
	15	 	 	0.00	 	20120828	690000.00	0.035000	180	180	20121001
	16	 	 	0.00	 	20121005	560000.00	0.038750	180	180	20121201
	17	 	 	0.00	 	20121003	816800.00	0.038750	180	180	20121201
	18	 	 	0.00	 	20120919	730000.00	0.035000	180	180	20121101
	19	 	 	0.00	 	20121001	850000.00	0.033750	180	180	20121101
	20	 	 	0.00	 	20121001	930000.00	0.033750	180	180	20121101
	21	 	 	0.00	 	20120227	712800.00	0.046250	360	360	20120401
	22	 	 	0.00	 	20120807	900000.00	0.033750	360	360	20121001
	23	 	 	430000.00	 	20111221	855000.00	0.031000	360	360	20120201
	24	 	 	0.00	 	20120622	619500.00	0.032500	120	120	20120801
	25	 	 	0.00	 	20120612	521600.00	0.032500	120	120	20120801
	26	 	 	0.00	 	20120608	1000000.00	0.036250	120	120	20120801
	27	 	 	120000.00	 	20120620	594000.00	0.032500	120	120	20120801
	28	 	 	0.00	 	20120523	876000.00	0.043750	360	360	20120701
	29	 	 	70000.00	 	20120803	523500.00	0.038750	360	360	20121001
	30	 	 	0.00	 	20120622	700000.00	0.041250	360	360	20120801
	31	 	 	0.00	 	20120808	1015000.00	0.038750	360	360	20121001
	32	 	 	0.00	 	20120601	700000.00	0.040000	360	360	20120801
	33	 	 	0.00	 	20120605	757250.00	0.042500	360	360	20120801
	34	 	 	0.00	 	20120625	635000.00	0.040000	360	360	20120801
	35	 	 	0.00	 	20120706	600000.00	0.036250	360	360	20120901
	36	 	 	0.00	 	20120618	741500.00	0.035000	360	360	20120801
	37	 	 	0.00	 	20120628	796000.00	0.036250	360	360	20120801
	38	 	 	0.00	 	20120612	707000.00	0.040000	360	360	20120801
	39	 	 	0.00	 	20120515	740000.00	0.037500	360	360	20120701
	40	 	 	0.00	 	20120531	139000.00	0.036250	360	360	20120701
	41	 	 	0.00	 	20120625	577500.00	0.036250	360	360	20120801
	42	 	 	0.00	 	20120731	752000.00	0.038750	360	360	20121001
	43	 	 	0.00	 	20120518	960000.00	0.042500	360	360	20120701
	44	 	 	0.00	 	20120730	552800.00	0.036250	360	360	20121001
	45	 	 	0.00	 	20120508	885000.00	0.042500	360	360	20120701
	46	 	 	0.00	 	20120608	560000.00	0.037500	360	360	20120801
	47	 	 	0.00	 	20120731	605000.00	0.033750	360	360	20120901
	48	 	 	0.00	 	20120712	1000000.00	0.035000	360	360	20120901
	49	 	 	0.00	 	20120619	810000.00	0.037500	360	360	20120801
	50	 	 	0.00	 	20120710	897500.00	0.038750	360	360	20120901
	51	 	 	0.00	 	20120719	956000.00	0.037500	360	360	20120901
	52	 	 	0.00	 	20120727	928000.00	0.035000	360	360	20120901
	53	 	 	0.00	 	20120712	841700.00	0.033750	360	360	20120901
	54	 	 	0.00	 	20120702	1000000.00	0.035000	360	360	20120901
	55	 	 	1000000.00	 	20120612	800000.00	0.040000	360	360	20120801
	56	 	 	0.00	 	20120613	1000000.00	0.038750	360	360	20120801
	57	 	 	25000.00	 	20120618	595000.00	0.041250	360	360	20120801
	58	 	 	0.00	 	20120511	1400000.00	0.043750	360	360	20120701
	59	 	 	0.00	 	20120524	945000.00	0.032500	360	360	20120701
	60	 	 	0.00	 	20120517	520000.00	0.037500	360	360	20120701
	61	 	 	0.00	 	20120509	999995.00	0.038750	360	360	20120701
	62	 	 	0.00	 	20120719	675000.00	0.036250	360	360	20120901
	63	 	 	0.00	 	20120501	812000.00	0.043750	360	360	20120701
	64	 	 	0.00	 	20120721	988000.00	0.037500	360	360	20120901
	65	 	 	0.00	 	20120524	856000.00	0.040000	360	360	20120701
	66	 	 	0.00	 	20120606	900000.00	0.036250	360	360	20120801
	67	 	 	0.00	 	20120518	1050000.00	0.040000	360	360	20120701
	68	 	 	0.00	 	20120529	880000.00	0.041250	360	360	20120701
	69	 	 	0.00	 	20120723	617500.00	0.035000	360	360	20120901
	70	 	 	520000.00	 	20120525	943000.00	0.036250	360	360	20120701
	71	 	 	250000.00	 	20120525	890000.00	0.035000	360	360	20120701
	72	 	 	0.00	 	20111129	587000.00	0.045000	180	180	20120101
	73	 	 	37726.00	 	20111230	522000.00	0.040000	180	180	20120201
	74	 	 	0.00	 	20111129	472000.00	0.041250	180	180	20120101
	75	 	 	0.00	 	20120319	566300.00	0.038750	180	180	20120501
	76	 	 	0.00	 	20110606	1284500.00	0.046250	180	180	20110801
	77	 	 	0.00	 	20110617	700000.00	0.047500	180	180	20110801
	78	 	 	0.00	 	20120601	656400.00	0.038750	180	180	20120801
	79	 	 	0.00	 	20111219	962500.00	0.038750	180	180	20120201
	80	 	 	0.00	 	20110110	77400.00	0.038750	180	180	20110301
	81	 	 	0.00	 	20120315	694000.00	0.041250	180	180	20120501
	82	 	 	0.00	 	20110916	598000.00	0.041250	180	180	20111101
	83	 	 	0.00	 	20111021	638600.00	0.040000	180	180	20111201
	84	 	 	0.00	 	20120426	840000.00	0.036250	180	180	20120601
	85	 	 	0.00	 	20111215	655300.00	0.046250	180	180	20120201
	86	 	 	0.00	 	20111012	780000.00	0.040000	180	180	20111201
	87	 	 	0.00	 	20110207	525000.00	0.048750	180	180	20110401
	88	 	 	0.00	 	20110126	600000.00	0.045000	180	180	20110301
	89	 	 	0.00	 	20111209	1140000.00	0.042500	180	180	20120201
	90	 	 	0.00	 	20110316	600000.00	0.045000	180	180	20110501
	91	 	 	0.00	 	20110413	1100000.00	0.048750	180	180	20110601
	92	 	 	0.00	 	20120305	825000.00	0.037500	180	180	20120501
	93	 	 	0.00	 	20111110	1341000.00	0.040000	180	180	20120101
	94	 	 	0.00	 	20110228	928000.00	0.045000	180	180	20110401
	95	 	 	0.00	 	20120319	622000.00	0.036250	180	180	20120501
	96	 	 	0.00	 	20120326	619000.00	0.041250	180	180	20120501
	97	 	 	0.00	 	20120630	572600.00	0.037500	180	180	20120801
	98	 	 	198500.00	 	20120309	550000.00	0.038750	180	180	20120501
	99	 	 	0.00	 	20120525	700000.00	0.038750	180	180	20120701
	100	 	 	0.00	 	20110729	570000.00	0.045000	180	180	20110901
	101	 	 	0.00	 	20111202	671700.00	0.042500	180	180	20120201
	102	 	 	0.00	 	20120726	1135700.00	0.040000	180	180	20120901
	103	 	 	0.00	 	20120718	532000.00	0.038750	180	180	20120901
	104	 	 	0.00	 	20110106	844000.00	0.043750	180	180	20110301
	105	 	 	0.00	 	20120615	520850.00	0.041250	180	180	20120801
	106	 	 	0.00	 	20120319	772000.00	0.043750	180	180	20120501
	107	 	 	0.00	 	20110112	746250.00	0.042500	180	180	20110301
	108	 	 	0.00	 	20110315	570000.00	0.047500	180	180	20110501
	109	 	 	0.00	 	20110127	831000.00	0.042500	180	180	20110301
	110	 	 	0.00	 	20110831	464000.00	0.043750	180	180	20111001
	111	 	 	0.00	 	20110312	665000.00	0.043750	180	180	20110501
	112	 	 	0.00	 	20120625	580000.00	0.038750	180	180	20120801
	113	 	 	0.00	 	20120404	1350000.00	0.041250	180	180	20120601
	114	 	 	0.00	 	20120211	800000.00	0.040000	180	180	20120401
	115	 	 	0.00	 	20110331	530600.00	0.046250	180	180	20110501
	116	 	 	0.00	 	20110107	917800.00	0.043750	180	180	20110301
	117	 	 	0.00	 	20110121	624500.00	0.043750	180	180	20110301
	118	 	 	0.00	 	20110110	484000.00	0.041250	180	180	20110301
	119	 	 	0.00	 	20111228	885000.00	0.040000	180	180	20120201
	120	 	 	0.00	 	20110818	1000000.00	0.043750	180	180	20111001
	121	 	 	0.00	 	20120509	538600.00	0.040000	180	180	20120701
	122	 	 	0.00	 	20120111	783750.00	0.042500	180	180	20120301
	123	 	 	0.00	 	20120627	656000.00	0.037500	180	180	20120801
	124	 	 	0.00	 	20110317	865000.00	0.041250	180	180	20110501
	125	 	 	0.00	 	20110118	67500.00	0.043750	180	180	20110301
	126	 	 	0.00	 	20110510	600000.00	0.048750	180	180	20110701
	127	 	 	0.00	 	20120702	1659775.00	0.043750	180	180	20120901
	128	 	 	0.00	 	20111116	628000.00	0.042500	180	180	20120101
	129	 	 	0.00	 	20120524	907000.00	0.038750	180	180	20120701
	130	 	 	0.00	 	20110107	153500.00	0.041250	180	180	20110301
	131	 	 	0.00	 	20111220	404000.00	0.041250	180	180	20120201
	132	 	 	0.00	 	20120128	630000.00	0.041250	180	180	20120301
	133	 	 	0.00	 	20110310	614600.00	0.045000	180	180	20110501
	134	 	 	0.00	 	20110317	848000.00	0.048750	180	180	20110501
	135	 	 	0.00	 	20110119	705000.00	0.041250	180	180	20110301
	136	 	 	0.00	 	20120308	479000.00	0.041250	180	180	20120501
	137	 	 	0.00	 	20120327	665000.00	0.045000	180	180	20120501
	138	 	 	0.00	 	20110523	1324000.00	0.047500	180	180	20110701
	139	 	 	0.00	 	20120628	600000.00	0.041250	180	180	20120801
	140	 	 	0.00	 	20120106	554100.00	0.040000	180	180	20120301
	141	 	 	0.00	 	20110722	1280000.00	0.047500	180	180	20110901
	142	 	 	0.00	 	20110826	607050.00	0.046250	180	180	20111001
	143	 	 	0.00	 	20110719	1725000.00	0.048750	180	180	20110901
	144	 	 	0.00	 	20111123	680000.00	0.043750	180	180	20120101
	145	 	 	0.00	 	20111128	511600.00	0.043750	180	180	20120101
	146	 	 	0.00	 	20110829	522000.00	0.045000	180	180	20111001
	147	 	 	0.00	 	20120402	610000.00	0.042500	180	180	20120601
	148	 	 	445528.00	 	20110429	981000.00	0.050000	180	180	20110601
	149	 	 	0.00	 	20110131	285000.00	0.042500	180	180	20110301
	150	 	 	0.00	 	20120329	750000.00	0.040000	180	180	20120601
	151	 	 	0.00	 	20110629	1000000.00	0.045000	180	180	20110801
	152	 	 	0.00	 	20111122	526500.00	0.040000	180	180	20120101
	153	 	 	200000.00	 	20111125	906000.00	0.042500	180	180	20120101
	154	 	 	0.00	 	20111219	720000.00	0.036250	180	180	20120201
	155	 	 	0.00	 	20111108	570000.00	0.042500	180	180	20120101
	156	 	 	0.00	 	20120831	622500.00	0.031250	180	180	20121001
	157	 	 	0.00	 	20120817	693750.00	0.031250	180	180	20121001
	158	 	 	0.00	 	20120821	485000.00	0.036250	180	180	20121001
	159	 	 	0.00	 	20120905	520000.00	0.032500	180	180	20121101
	160	 	 	0.00	 	20120830	555000.00	0.036250	180	180	20121001
	161	 	 	0.00	 	20120731	762000.00	0.030000	360	360	20120901
	162	 	 	0.00	 	20120813	540000.00	0.035000	360	360	20121001
	163	 	 	75000.00	 	20120810	845000.00	0.035000	360	360	20121001
	164	 	 	0.00	 	20120810	592150.00	0.032500	120	120	20121001
	165	 	 	0.00	 	20120831	786100.00	0.033750	180	180	20121001
	166	 	 	0.00	 	20120830	507000.00	0.033750	180	180	20121001
	167	 	 	0.00	 	20120820	553650.00	0.036250	360	360	20121001
	168	 	 	0.00	 	20120727	668000.00	0.038750	360	360	20120901
	169	 	 	0.00	 	20120820	700000.00	0.036250	360	360	20121001
	170	 	 	0.00	 	20120531	1140000.00	0.033750	360	360	20120701
	171	 	 	0.00	 	20120817	1230000.00	0.035000	360	360	20121001
	172	 	 	0.00	 	20120821	684000.00	0.038750	360	360	20121001
	173	 	 	0.00	 	20120817	737600.00	0.036250	360	360	20121001
	174	 	 	0.00	 	20120815	999800.00	0.037500	360	360	20121001
	175	 	 	0.00	 	20120823	534000.00	0.041250	360	360	20121001
	176	 	 	0.00	 	20120824	1500000.00	0.036250	360	360	20121001
	177	 	 	155400.00	 	20120808	660000.00	0.035000	360	360	20121001
	178	 	 	0.00	 	20120810	897500.00	0.033750	360	360	20121001
	179	 	 	0.00	 	20120810	619000.00	0.037500	360	360	20121001
	180	 	 	0.00	 	20120813	580000.00	0.036250	360	360	20121001
	181	 	 	0.00	 	20120817	899000.00	0.038750	360	360	20121001
	182	 	 	0.00	 	20120806	2800000.00	0.040000	360	360	20121001
	183	 	 	0.00	 	20120816	653350.00	0.037500	360	360	20121001
	184	 	 	0.00	 	20120829	790000.00	0.028750	120	120	20121001
	185	 	 	0.00	 	20120830	875000.00	0.032500	180	180	20121001
	186	 	 	0.00	 	20120827	592000.00	0.035000	180	180	20121001
	187	 	 	0.00	 	20120912	583000.00	0.036250	180	180	20121101
	188	 	 	0.00	 	20120905	533000.00	0.032500	180	180	20121101
	189	 	 	0.00	 	20120822	660000.00	0.035000	180	180	20121001
	190	 	 	144000.00	 	20120820	539000.00	0.036250	180	180	20121001
	191	 	 	0.00	 	20120830	545500.00	0.033750	180	180	20121001
	192	 	 	0.00	 	20111221	2325000.00	0.029500	360	360	20120201
	193	 	 	0.00	 	20110920	997000.00	0.040500	360	360	20111101
	194	 	 	500000.00	 	20111215	1100000.00	0.042500	360	360	20120201
	195	 	 	450000.00	 	20110621	1900000.00	0.043000	360	360	20110801
	196	 	 	0.00	 	20110727	1360000.00	0.043500	360	360	20110901
	197	 	 	0.00	 	20111123	520000.00	0.043750	360	360	20120101
	198	 	 	0.00	 	20111229	540000.00	0.045000	360	360	20120201
	199	 	 	0.00	 	20110801	1417500.00	0.046250	360	360	20111001
	200	 	 	0.00	 	20111118	518932.00	0.046250	360	360	20120101
	201	 	 	250000.00	 	20120926	785000.00	0.028750	360	360	20121101
	202	 	 	0.00	 	20120529	1020000.00	0.033750	360	360	20120701
	203	 	 	0.00	 	20120503	650000.00	0.033750	360	360	20120701
	204	 	 	0.00	 	20120423	675000.00	0.035000	360	360	20120601
	205	 	 	0.00	 	20120511	845000.00	0.035000	360	360	20120701
	206	 	 	0.00	 	20120608	754000.00	0.035000	360	360	20120801
	207	 	 	0.00	 	20120703	755300.00	0.036250	360	360	20120901
	208	 	 	0.00	 	20120423	612650.00	0.036250	360	360	20120601
	209	 	 	0.00	 	20120120	1120000.00	0.037500	360	360	20120301
	210	 	 	0.00	 	20111118	838500.00	0.037500	360	360	20120101
	211	 	 	0.00	 	20120326	800000.00	0.037500	360	360	20120501
	212	 	 	0.00	 	20120530	772100.00	0.037500	360	360	20120701
	213	 	 	0.00	 	20120620	731250.00	0.040000	360	360	20120801
	214	 	 	0.00	 	20120517	663500.00	0.041250	360	360	20120701
	215	 	 	0.00	 	20120608	595000.00	0.041250	360	360	20120801
	216	 	 	0.00	 	20120703	750000.00	0.041250	360	360	20120801
	217	 	 	0.00	 	20120329	570500.00	0.043750	360	360	20120501
	218	 	 	0.00	 	20120523	815000.00	0.043750	360	360	20120701
	219	 	 	0.00	 	20120216	1242500.00	0.043750	360	360	20120401
	220	 	 	0.00	 	20120921	648000.00	0.043750	360	360	20121101
	221	 	 	0.00	 	20120911	531200.00	0.038750	360	360	20121101
	222	 	 	0.00	 	20121023	832000.00	0.041250	360	360	20121201
	223	 	 	0.00	 	20121016	942375.00	0.040000	360	360	20121201
	224	 	 	0.00	 	20121029	740000.00	0.035000	360	360	20121201
	225	 	 	350000.00	 	20120822	652000.00	0.042500	360	360	20121001
	226	 	 	0.00	 	20120828	910000.00	0.040000	360	360	20121001
	227	 	 	0.00	 	20120914	675000.00	0.042500	360	360	20121101
	228	 	 	0.00	 	20121001	738400.00	0.042500	360	360	20121201
	229	 	 	0.00	 	20121025	721000.00	0.040000	360	360	20121201
	230	 	 	0.00	 	20121009	840000.00	0.038750	360	360	20121201
	231	 	 	0.00	 	20121101	965250.00	0.037500	360	360	20130101
	232	 	 	0.00	 	20121029	1000000.00	0.037500	360	360	20121201
	233	 	 	0.00	 	20121026	999990.00	0.041250	360	360	20121201
	234	 	 	0.00	 	20121023	559000.00	0.041250	360	360	20121201
	235	 	 	0.00	 	20120711	776400.00	0.045000	360	360	20120901
	236	 	 	0.00	 	20121025	960000.00	0.041250	360	360	20121201
	237	 	 	300000.00	 	20120828	694000.00	0.041250	360	360	20121001
	238	 	 	0.00	 	20120927	999999.00	0.041250	360	360	20121201
	239	 	 	60000.00	 	20121015	502000.00	0.041250	360	360	20121201
	240	 	 	0.00	 	20121008	560000.00	0.040000	360	360	20121201
	241	 	 	0.00	 	20121024	744000.00	0.041250	360	360	20121201
	242	 	 	0.00	 	20121026	932000.00	0.038570	360	360	20121201
	243	 	 	0.00	 	20121025	614000.00	0.038750	360	360	20121201
	244	 	 	0.00	 	20121016	780000.00	0.041250	360	360	20121201
	245	 	 	0.00	 	20121018	590400.00	0.041250	360	360	20121201
	246	 	 	0.00	 	20121011	560000.00	0.043750	360	360	20121201
	247	 	 	210000.00	 	20121022	950000.00	0.038750	360	360	20121201
	248	 	 	0.00	 	20121025	518400.00	0.041250	360	360	20121201
	249	 	 	0.00	 	20121030	671250.00	0.040000	360	360	20121201
	250	 	 	0.00	 	20121022	665000.00	0.040000	360	360	20121201
	251	 	 	0.00	 	20121023	999999.00	0.040000	360	360	20121201
	252	 	 	0.00	 	20121112	497250.00	0.041250	360	360	20130101
	253	 	 	0.00	 	20121002	968000.00	0.041250	360	360	20121201
	254	 	 	0.00	 	20120928	3000000.00	0.037500	360	360	20121101
	255	 	 	0.00	 	20120904	874000.00	0.042500	360	360	20121101
	256	 	 	0.00	 	20120928	1200000.00	0.042500	360	360	20121101
	257	 	 	0.00	 	20121015	562500.00	0.041250	360	360	20121201
	258	 	 	0.00	 	20121012	562500.00	0.042500	360	360	20121201
	259	 	 	0.00	 	20121012	562050.00	0.040000	360	360	20121201
	260	 	 	0.00	 	20121011	580000.00	0.038750	360	360	20121201
	261	 	 	0.00	 	20121031	885000.00	0.042500	360	360	20121201
	262	 	 	0.00	 	20121012	800000.00	0.037500	360	360	20121201
	263	 	 	0.00	 	20121008	841600.00	0.040000	360	360	20121201
	264	 	 	0.00	 	20121015	636000.00	0.043750	360	360	20121201
	265	 	 	0.00	 	20120830	956250.00	0.043750	360	360	20121001
	266	 	 	0.00	 	20120920	643200.00	0.042500	360	360	20121101
	267	 	 	0.00	 	20120910	604700.00	0.042500	360	360	20121101
	268	 	 	0.00	 	20121015	612700.00	0.042500	360	360	20121201
	269	 	 	0.00	 	20121003	551000.00	0.038750	360	360	20121201
	270	 	 	0.00	 	20121030	544500.00	0.042500	360	360	20121201
	271	 	 	0.00	 	20121003	898272.00	0.038750	360	360	20121201
	272	 	 	0.00	 	20121005	513750.00	0.041250	360	360	20121201
	273	 	 	0.00	 	20121107	688000.00	0.041250	360	360	20130101
	274	 	 	0.00	 	20121008	735700.00	0.037500	360	360	20121201
	275	 	 	0.00	 	20120810	999999.00	0.041250	360	360	20121001
	276	 	 	5050.00	 	20121009	840000.00	0.040000	360	360	20121201
	277	 	 	0.00	 	20121016	875000.00	0.038750	360	360	20121201
	278	 	 	0.00	 	20121105	698000.00	0.040000	360	360	20130101
	279	 	 	0.00	 	20120601	656000.00	0.047500	360	360	20120801
	280	 	 	0.00	 	20120727	1000000.00	0.045000	360	360	20120901
	281	 	 	0.00	 	20121005	850000.00	0.042500	360	360	20121201
	282	 	 	0.00	 	20120808	1523000.00	0.041250	360	360	20121001
	283	 	 	0.00	 	20120911	736000.00	0.041250	360	360	20121101
	284	 	 	0.00	 	20120928	715000.00	0.040000	360	360	20121101
	285	 	 	0.00	 	20121025	1147000.00	0.043750	360	360	20121201
	286	 	 	0.00	 	20120919	825000.00	0.041250	360	360	20121101
	287	 	 	0.00	 	20121106	962000.00	0.041250	360	360	20121201
	288	 	 	0.00	 	20120921	703120.00	0.043750	360	360	20121101
	289	 	 	0.00	 	20121015	650000.00	0.041250	360	360	20121201
	290	 	 	215000.00	 	20121019	706000.00	0.038750	360	360	20121201
	291	 	 	0.00	 	20121025	711000.00	0.042500	360	360	20121201
	292	 	 	0.00	 	20121030	600000.00	0.042500	360	360	20130101
	293	 	 	0.00	 	20121031	705000.00	0.043750	360	360	20130101
	294	 	 	0.00	 	20121027	899000.00	0.038750	360	360	20121201
	295	 	 	0.00	 	20121101	1155000.00	0.038750	360	360	20130101
	296	 	 	0.00	 	20121101	711000.00	0.041250	360	360	20121201
	297	 	 	0.00	 	20121016	1000000.00	0.043750	360	360	20121201
	298	 	 	0.00	 	20121010	520000.00	0.043750	360	360	20121201
	299	 	 	0.00	 	20121026	476000.00	0.038750	360	360	20121201
	300	 	 	0.00	 	20121018	705000.00	0.040000	360	360	20121201
	301	 	 	0.00	 	20121115	720000.00	0.042500	360	360	20130101
	302	 	 	0.00	 	20120926	783200.00	0.043750	360	360	20121101
	303	 	 	0.00	 	20121107	900000.00	0.037500	360	360	20130101
	304	 	 	0.00	 	20121025	898000.00	0.038750	360	360	20121201
	305	 	 	0.00	 	20121105	885000.00	0.038750	360	360	20130101
	306	 	 	0.00	 	20121018	859590.00	0.038750	360	360	20121201
	307	 	 	0.00	 	20121025	584000.00	0.042500	360	360	20121201
	308	 	 	0.00	 	20121026	1425000.00	0.041250	360	360	20121201
	309	 	 	0.00	 	20121016	501000.00	0.038750	360	360	20121201
	310	 	 	0.00	 	20121022	733000.00	0.041250	360	360	20121201
	311	 	 	0.00	 	20121022	861250.00	0.037500	360	360	20121201
	312	 	 	0.00	 	20121012	680000.00	0.037500	360	360	20121201
	313	 	 	0.00	 	20120803	821000.00	0.038750	360	360	20121001
	314	 	 	25000.00	 	20120827	664500.00	0.041250	360	360	20121101
	315	 	 	0.00	 	20121105	708000.00	0.043750	360	360	20130101
	316	 	 	0.00	 	20120829	749200.00	0.042500	360	360	20121001
	317	 	 	0.00	 	20121015	738500.00	0.045000	360	360	20121201
	318	 	 	0.00	 	20120925	945000.00	0.038750	360	360	20121101
	319	 	 	75000.00	 	20121013	676900.00	0.040000	360	360	20121201
	320	 	 	0.00	 	20121015	1239500.00	0.040000	360	360	20121201
	321	 	 	0.00	 	20121015	1032500.00	0.041250	360	360	20121201
	322	 	 	0.00	 	20121012	760000.00	0.042500	360	360	20121201
	323	 	 	0.00	 	20121023	688000.00	0.042500	360	360	20121201
	324	 	 	0.00	 	20120928	688000.00	0.037500	360	360	20121201
	325	 	 	0.00	 	20120928	975000.00	0.041250	360	360	20121201
	326	 	 	92000.00	 	20121026	714695.00	0.037500	360	360	20121201
	327	 	 	500000.00	 	20121022	800000.00	0.038750	360	360	20121201
	328	 	 	0.00	 	20121026	674000.00	0.041250	360	360	20121201
	329	 	 	0.00	 	20121121	707000.00	0.035000	360	360	20130101
	330	 	 	0.00	 	20121023	784000.00	0.040000	360	360	20121201
	331	 	 	0.00	 	20121029	789000.00	0.038750	360	360	20121201
	332	 	 	0.00	 	20121026	680000.00	0.041250	360	360	20121201
	333	 	 	0.00	 	20121101	663000.00	0.038750	360	360	20130101
	334	 	 	0.00	 	20121017	532000.00	0.037500	360	360	20121201
	335	 	 	0.00	 	20121026	843000.00	0.042500	360	360	20121201
	336	 	 	0.00	 	20121102	640125.00	0.037500	360	360	20130101
	337	 	 	0.00	 	20121029	660000.00	0.036250	360	360	20130101
	338	 	 	0.00	 	20121025	825000.00	0.040000	360	360	20121201
	339	 	 	0.00	 	20121102	780000.00	0.038750	360	360	20130101
	340	 	 	0.00	 	20121031	1122000.00	0.038750	360	360	20130101
	341	 	 	0.00	 	20121017	763750.00	0.040000	360	360	20121201
	342	 	 	0.00	 	20121022	526000.00	0.041250	360	360	20121201
	343	 	 	0.00	 	20121024	576000.00	0.040000	360	360	20121201
	344	 	 	0.00	 	20121026	724000.00	0.041250	360	360	20121201
	345	 	 	0.00	 	20121008	562000.00	0.033750	360	360	20121201
	346	 	 	0.00	 	20120914	1140000.00	0.043750	360	360	20121101
	347	 	 	0.00	 	20121011	841000.00	0.038750	360	360	20121201
	348	 	 	0.00	 	20120928	999000.00	0.041250	360	360	20121101
	349	 	 	0.00	 	20121026	609000.00	0.040000	360	360	20121201
	350	 	 	0.00	 	20120914	746000.00	0.043750	360	360	20121101
	351	 	 	0.00	 	20121015	804000.00	0.040000	360	360	20121201
	352	 	 	0.00	 	20121017	592000.00	0.042500	360	360	20121201
	353	 	 	0.00	 	20121004	994000.00	0.043750	360	360	20121201
	354	 	 	55000.00	 	20121019	585000.00	0.041250	360	360	20121201
	355	 	 	0.00	 	20121024	975000.00	0.037500	360	360	20121201
	356	 	 	0.00	 	20121030	650000.00	0.037500	360	360	20121201
	357	 	 	0.00	 	20121018	999900.00	0.040000	360	360	20121201
	358	 	 	0.00	 	20121101	540000.00	0.036250	360	360	20130101
	359	 	 	0.00	 	20121030	576000.00	0.041250	360	360	20121201
	360	 	 	0.00	 	20121108	645000.00	0.042500	360	360	20130101
	361	 	 	0.00	 	20120829	1000000.00	0.040000	360	360	20121101
	362	 	 	0.00	 	20121022	1084000.00	0.038750	360	360	20121201
	363	 	 	0.00	 	20121026	780000.00	0.041250	360	360	20121201
	364	 	 	0.00	 	20121003	700000.00	0.040000	360	360	20121201
	365	 	 	0.00	 	20121001	940000.00	0.038750	360	360	20121201
	366	 	 	0.00	 	20121022	1000000.00	0.038750	360	360	20121201
	367	 	 	0.00	 	20121011	1020400.00	0.040000	360	360	20121201
	368	 	 	100000.00	 	20121026	925500.00	0.036250	360	360	20121201
	369	 	 	0.00	 	20121026	650000.00	0.036250	360	360	20121201
	370	 	 	0.00	 	20121011	1181250.00	0.038750	360	360	20121201
	371	 	 	0.00	 	20121025	693000.00	0.038750	360	360	20121201
	372	 	 	150000.00	 	20121008	697000.00	0.040000	360	360	20121201
	373	 	 	0.00	 	20121023	534000.00	0.042500	360	360	20121201
	374	 	 	0.00	 	20121024	545000.00	0.037500	360	360	20121201
	375	 	 	0.00	 	20121008	964000.00	0.038750	360	360	20121201
	376	 	 	0.00	 	20121030	709000.00	0.038750	360	360	20121201
	377	 	 	0.00	 	20121029	962500.00	0.040000	360	360	20121201
	378	 	 	0.00	 	20121023	559992.00	0.043750	360	360	20121201
	379	 	 	0.00	 	20121018	1000000.00	0.038750	360	360	20121201
	380	 	 	0.00	 	20121011	924000.00	0.040000	360	360	20121201
	381	 	 	0.00	 	20121029	675000.00	0.036250	360	360	20121201
	382	 	 	0.00	 	20120823	623500.00	0.043750	360	360	20121001
	383	 	 	0.00	 	20121029	1467000.00	0.036250	360	360	20130101
	384	 	 	0.00	 	20121107	697600.00	0.042500	360	360	20130101
	385	 	 	0.00	 	20121026	968000.00	0.038750	360	360	20121201
	386	 	 	0.00	 	20121025	689000.00	0.037500	360	360	20121201
	387	 	 	0.00	 	20120904	1000000.00	0.040000	360	360	20121101
	388	 	 	0.00	 	20121101	680800.00	0.041250	360	360	20130101
	389	 	 	0.00	 	20121018	912000.00	0.043750	360	360	20121201
	390	 	 	0.00	 	20121029	865000.00	0.037500	360	360	20121201
	391	 	 	0.00	 	20121017	700000.00	0.037500	360	360	20121201
	392	 	 	0.00	 	20121106	836000.00	0.040000	360	360	20130101
	393	 	 	0.00	 	20121026	735000.00	0.038750	360	360	20121201
	394	 	 	0.00	 	20121029	1090000.00	0.036250	360	360	20130101
	395	 	 	0.00	 	20120927	787500.00	0.041250	360	360	20121101
	396	 	 	0.00	 	20121024	740000.00	0.040000	360	360	20121201
	397	 	 	0.00	 	20121016	856000.00	0.040000	360	360	20121201
	398	 	 	0.00	 	20121029	665800.00	0.040000	360	360	20121201
	399	 	 	0.00	 	20121019	700000.00	0.043750	360	360	20121201
	400	 	 	0.00	 	20121005	624000.00	0.043750	360	360	20121201
	401	 	 	0.00	 	20121026	573500.00	0.043750	360	360	20121201
	402	 	 	25000.00	 	20121012	853000.00	0.038750	360	360	20121201
	403	 	 	0.00	 	20121023	700000.00	0.037500	360	360	20121201
	404	 	 	0.00	 	20121105	620000.00	0.038750	360	360	20130101
	405	 	 	0.00	 	20121017	645000.00	0.042500	360	360	20121201
	406	 	 	0.00	 	20121024	501000.00	0.041250	360	360	20121201
	407	 	 	0.00	 	20120920	583000.00	0.040000	360	360	20121101
	408	 	 	0.00	 	20120906	608000.00	0.045000	360	360	20121101
	409	 	 	0.00	 	20120821	963000.00	0.043750	360	360	20121001
	410	 	 	200000.00	 	20120926	707000.00	0.043750	360	360	20121201
	411	 	 	0.00	 	20121001	870000.00	0.042500	360	360	20121201
	412	 	 	0.00	 	20120914	688000.00	0.043750	360	360	20121101
	413	 	 	0.00	 	20120917	694000.00	0.043750	360	360	20121101
	414	 	 	0.00	 	20120928	870000.00	0.038750	360	360	20121101
	415	 	 	0.00	 	20120904	570000.00	0.040000	360	360	20121101
	416	 	 	0.00	 	20120904	931000.00	0.042500	360	360	20121101
	417	 	 	0.00	 	20120926	978000.00	0.040000	360	360	20121101
	418	 	 	0.00	 	20120918	954750.00	0.042500	360	360	20121101
	419	 	 	199999.00	 	20121018	521000.00	0.040000	360	360	20121201
	420	 	 	0.00	 	20121024	625000.00	0.042500	360	360	20121201
	421	 	 	0.00	 	20121022	999750.00	0.042500	360	360	20121201
	422	 	 	0.00	 	20121018	644000.00	0.041250	360	360	20121201
	423	 	 	0.00	 	20121019	925000.00	0.040000	360	360	20121201
	424	 	 	0.00	 	20121119	701500.00	0.038750	360	360	20130101
	425	 	 	0.00	 	20120814	655000.00	0.041250	360	360	20121001
	426	 	 	0.00	 	20121023	1000000.00	0.041250	360	360	20121201
	427	 	 	0.00	 	20121011	592000.00	0.041250	360	360	20121201
	428	 	 	0.00	 	20121030	725000.00	0.038750	360	360	20121201
	429	 	 	0.00	 	20121025	1299375.00	0.040000	360	360	20121201
	430	 	 	0.00	 	20121031	1050000.00	0.040000	360	360	20121201
	431	 	 	0.00	 	20120830	1150000.00	0.041250	360	360	20121001
	432	 	 	0.00	 	20121022	1100000.00	0.043750	360	360	20121201
	433	 	 	0.00	 	20120920	1920000.00	0.039000	360	360	20121101
	434	 	 	0.00	 	20120717	787500.00	0.035000	240	240	20120901
	435	 	 	0.00	 	20120821	936000.00	0.039500	360	360	20121001
	436	 	 	0.00	 	20121010	985000.00	0.038500	360	360	20121201
	437	 	 	0.00	 	20121015	785000.00	0.042500	360	360	20121201
	438	 	 	0.00	 	20120927	1072000.00	0.036500	360	360	20121201
	439	 	 	0.00	 	20121025	1128000.00	0.036500	360	360	20121201
	440	 	 	0.00	 	20121012	585000.00	0.043000	360	360	20121201
	441	 	 	0.00	 	20121105	636750.00	0.037500	360	360	20130101
	442	 	 	0.00	 	20121025	1300000.00	0.035000	360	360	20121201
	443	 	 	0.00	 	20121102	766400.00	0.036500	360	360	20130101
	444	 	 	200000.00	 	20121102	1360000.00	0.036500	360	360	20130101
	445	 	 	0.00	 	20121130	1710000.00	0.036500	360	360	20130201
	446	 	 	0.00	 	20121108	1500000.00	0.037500	360	360	20130101
	447	 	 	0.00	 	20121115	625000.00	0.040000	360	360	20130101
	448	 	 	0.00	 	20121102	1400000.00	0.035500	360	360	20130101
	449	 	 	0.00	 	20121129	1100000.00	0.032000	360	360	20130201
	450	 	 	0.00	 	20120802	897000.00	0.042500	360	360	20121001
	451	 	 	0.00	 	20120726	706000.00	0.042500	360	360	20120901
	452	 	 	0.00	 	20120727	656000.00	0.042500	360	360	20120901
	453	 	 	0.00	 	20120802	716000.00	0.042500	360	360	20120901
	454	 	 	0.00	 	20120726	670000.00	0.042500	360	360	20120901
	455	 	 	0.00	 	20120829	1000000.00	0.041250	360	360	20121001
	456	 	 	0.00	 	20120816	739600.00	0.038750	360	360	20121001
	457	 	 	0.00	 	20120810	715000.00	0.038750	360	360	20121001
	458	 	 	0.00	 	20120826	1492000.00	0.042500	360	360	20121001
	459	 	 	115295.00	 	20120910	807069.00	0.041250	360	360	20121101
	460	 	 	0.00	 	20120810	1315000.00	0.042500	360	360	20121001
	461	 	 	0.00	 	20120814	681800.00	0.042500	360	360	20121001
	462	 	 	0.00	 	20120822	645000.00	0.038750	360	360	20121001
	463	 	 	0.00	 	20120823	870000.00	0.042500	360	360	20121001
	464	 	 	0.00	 	20120824	644000.00	0.041250	360	360	20121001
	465	 	 	0.00	 	20120824	813000.00	0.042500	360	360	20121001
	466	 	 	0.00	 	20120827	882536.00	0.041250	360	360	20121001
	467	 	 	0.00	 	20120827	726000.00	0.042500	360	360	20121001
	468	 	 	0.00	 	20120829	677600.00	0.042500	360	360	20121001
	469	 	 	0.00	 	20120829	1215000.00	0.042500	360	360	20121001
	470	 	 	0.00	 	20120831	771000.00	0.042500	360	360	20121001
	471	 	 	0.00	 	20120815	493500.00	0.040000	360	360	20121001
	472	 	 	0.00	 	20120817	580000.00	0.041250	360	360	20121001
	473	 	 	0.00	 	20120824	616000.00	0.040000	360	360	20121001
	474	 	 	0.00	 	20120830	588000.00	0.041250	360	360	20121001
	475	 	 	0.00	 	20120830	848000.00	0.041250	360	360	20121001
	476	 	 	0.00	 	20120831	700000.00	0.038750	360	360	20121001
	477	 	 	0.00	 	20120914	550000.00	0.038750	360	360	20121101
	478	 	 	0.00	 	20120917	452000.00	0.038750	360	360	20121101
	479	 	 	0.00	 	20120911	1456700.00	0.040000	360	360	20121101
	480	 	 	0.00	 	20120815	670000.00	0.038750	360	360	20121001
	481	 	 	0.00	 	20120830	628000.00	0.038750	360	360	20121001
	482	 	 	0.00	 	20120829	569000.00	0.038750	360	360	20121001
	483	 	 	0.00	 	20091019	890000.00	0.055000	360	360	20091201
	484	 	 	0.00	 	20091218	800000.00	0.055000	360	360	20100201
	485	 	 	0.00	 	20101221	670000.00	0.048750	360	360	20110201
	486	 	 	0.00	 	20110404	500000.00	0.048750	360	360	20110601
	487	 	 	0.00	 	20110520	490000.00	0.048750	360	360	20110701
	488	 	 	0.00	 	20110610	900000.00	0.048750	360	360	20110801
	489	 	 	0.00	 	20110805	650000.00	0.046250	360	360	20111001
	490	 	 	0.00	 	20110815	830000.00	0.046250	360	360	20111001
	491	 	 	0.00	 	20111215	1100000.00	0.046250	360	360	20120201
	492	 	 	0.00	 	20120103	790000.00	0.042500	360	360	20120301
	493	 	 	0.00	 	20120113	645000.00	0.042500	360	360	20120301
	494	 	 	0.00	 	20120223	831000.00	0.039900	360	360	20120401
	495	 	 	200000.00	 	20120223	980000.00	0.039900	360	360	20120401
	496	 	 	0.00	 	20120308	926000.00	0.041250	360	360	20120501
	497	 	 	0.00	 	20120312	750000.00	0.041250	360	360	20120501
	498	 	 	0.00	 	20120321	700000.00	0.039900	360	360	20120501
	499	 	 	0.00	 	20120323	1323000.00	0.042500	360	360	20120501
	500	 	 	0.00	 	20120326	706000.00	0.039900	360	360	20120501
	501	 	 	0.00	 	20120330	706000.00	0.041250	360	360	20120601
	502	 	 	0.00	 	20120405	747000.00	0.039900	360	360	20120601
	503	 	 	0.00	 	20120509	495000.00	0.039900	360	360	20120701
	504	 	 	0.00	 	20120511	558000.00	0.039900	360	360	20120701
	505	 	 	50000.00	 	20120523	519000.00	0.039900	360	360	20120701
	506	 	 	0.00	 	20120524	616000.00	0.039900	360	360	20120701
	507	 	 	0.00	 	20120613	565000.00	0.039900	360	360	20120801
	508	 	 	0.00	 	20120613	1000000.00	0.039900	360	360	20120801
	509	 	 	350000.00	 	20120619	675000.00	0.039900	360	360	20120801
	510	 	 	450000.00	 	20120621	675000.00	0.039900	360	360	20120801
	511	 	 	200000.00	 	20120716	735000.00	0.039900	360	360	20120901

 

	 	31	32	33	34	35	36	37	38	39	40
	 	Interest Type
 Indicator	Original Interest
 Only Term	Buy Down Period	HELOC Draw Period	Current Loan
 Amount	Current Interest
 Rate	Current Payment
 Amount Due	Interest Paid
 Through Date	Current Payment
 Status	Index Type
	1	1	120	0	 	1000000.00	0.042000	3500.00	20130101	0	35
	2	1	120	0	 	1000000.00	0.041500	3458.33	20130101	0	35
	3	1	0	0	 	493213.96	0.046250	2583.55	20130101	0	39
	4	1	0	0	 	708939.19	0.035000	5111.41	20130101	0	 
	5	1	0	0	 	685162.93	0.035000	4961.28	20130101	0	 
	6	1	0	0	 	760195.16	0.035000	5504.60	20130101	0	 
	7	1	0	0	 	492772.21	0.037500	3628.84	20130101	0	 
	8	1	0	0	 	789528.78	0.032500	5621.35	20130101	0	 
	9	1	0	0	 	527761.78	0.036250	3853.94	20130101	0	 
	10	1	0	0	 	641640.11	0.033750	4606.94	20130101	0	 
	11	1	0	0	 	663923.32	0.036250	4848.25	20130101	0	 
	12	1	0	0	 	473036.83	0.033750	3396.38	20130101	0	 
	13	1	0	0	 	495761.67	0.035000	3574.41	20130101	0	 
	14	1	0	0	 	1665398.05	0.043750	8452.90	20130101	0	39
	15	1	0	0	 	678268.03	0.035000	4932.69	20130101	0	 
	16	1	0	0	 	555394.72	0.038750	4107.26	20130101	0	 
	17	1	0	0	 	810082.88	0.038750	5990.73	20130101	0	 
	18	1	0	0	 	720442.05	0.035000	5218.64	20130101	0	 
	19	1	0	0	 	839067.83	0.033750	6024.46	20130101	0	 
	20	1	0	0	 	918038.89	0.033750	6591.47	20130101	0	 
	21	1	0	0	 	703463.83	0.046250	3664.79	20130101	0	39
	22	1	0	0	 	894185.06	0.033750	3978.87	20130101	0	39
	23	1	120	0	 	855000.00	0.031000	2208.75	20130101	0	35
	24	1	0	0	 	593066.31	0.032500	6053.69	20130101	0	 
	25	1	0	0	 	499343.66	0.032500	5097.02	20130101	0	 
	26	1	0	0	 	958126.37	0.036250	9947.25	20130101	0	 
	27	1	0	0	 	559788.84	0.032500	5804.51	20130101	0	 
	28	1	120	0	 	876000.00	0.043750	3193.75	20130101	0	39
	29	1	120	0	 	523500.00	0.038750	1690.47	20130101	0	39
	30	1	120	0	 	700000.00	0.041250	2406.25	20130101	0	39
	31	1	120	0	 	1015000.00	0.038750	3277.60	20130101	0	39
	32	1	120	0	 	699997.98	0.040000	2333.33	20130101	0	39
	33	1	120	0	 	757250.00	0.042500	2681.93	20130101	0	39
	34	1	0	0	 	629464.53	0.040000	3031.59	20130101	0	39
	35	1	0	0	 	595352.96	0.036250	2736.31	20130101	0	39
	36	1	0	0	 	734446.97	0.035000	3329.67	20130101	0	39
	37	1	0	0	 	782303.80	0.036250	3630.17	20130101	0	39
	38	1	0	0	 	700836.87	0.040000	3375.33	20130101	0	39
	39	1	0	0	 	731755.28	0.037500	3427.06	20130101	0	39
	40	1	0	0	 	137488.26	0.036250	633.91	20130101	0	39
	41	1	0	0	 	571320.61	0.036250	2633.70	20130101	0	39
	42	1	0	0	 	747547.11	0.038750	3536.18	20130101	0	39
	43	1	0	0	 	950642.71	0.042500	4722.62	20130101	0	39
	44	1	0	0	 	549380.02	0.036250	2521.05	20130101	0	39
	45	1	0	0	 	876373.71	0.042500	4353.67	20130101	0	39
	46	1	0	0	 	554899.60	0.037500	2593.45	20130101	0	39
	47	1	0	0	 	599905.56	0.033750	2674.68	20130101	0	39
	48	1	0	0	 	992085.06	0.035000	4490.45	20130101	0	39
	49	1	0	0	 	798470.03	0.037500	3751.24	20130101	0	39
	50	1	0	0	 	890846.16	0.038750	4220.38	20130101	0	39
	51	1	0	0	 	948755.42	0.037500	4427.39	20130101	0	39
	52	1	0	0	 	920654.97	0.035000	4167.13	20130101	0	39
	53	1	0	0	 	834892.63	0.033750	3721.12	20130101	0	39
	54	1	0	0	 	991957.67	0.035000	4490.45	20130101	0	39
	55	1	0	0	 	793026.19	0.040000	3819.32	20130101	0	39
	56	1	0	0	 	991089.13	0.038750	4702.37	20130101	0	39
	57	1	0	0	 	589926.43	0.041250	2883.67	20130101	0	39
	58	1	0	0	 	1386653.97	0.043750	6989.99	20130101	0	39
	59	1	0	0	 	934037.96	0.032500	4112.70	20130101	0	39
	60	1	0	0	 	514465.93	0.037500	2408.20	20130101	0	39
	61	1	0	0	 	989582.16	0.038750	4702.35	20130101	0	39
	62	1	0	0	 	669772.07	0.036250	3078.35	20130101	0	39
	63	1	0	0	 	804259.27	0.043750	4054.20	20130101	0	39
	64	1	0	0	 	980512.95	0.037500	4575.58	20130101	0	39
	65	1	0	0	 	847279.83	0.040000	4086.67	20130101	0	39
	66	1	0	0	 	891622.69	0.036250	4104.46	20130101	0	39
	67	1	0	0	 	1039303.50	0.040000	5012.86	20130101	0	39
	68	1	0	0	 	871230.54	0.041250	4264.92	20130101	0	39
	69	1	0	0	 	612612.52	0.035000	2772.85	20130101	0	39
	70	1	0	0	 	932744.03	0.036250	4300.56	20130101	0	39
	71	1	0	0	 	880109.12	0.035000	3996.50	20130101	0	39
	72	1	0	0	 	556560.73	0.045000	4490.51	20130101	0	 
	73	1	0	0	 	486881.95	0.040000	3861.17	20130101	0	 
	74	1	0	0	 	446804.38	0.041250	3520.97	20130101	0	 
	75	1	0	0	 	545104.57	0.038750	4153.47	20130101	0	 
	76	1	0	0	 	1192272.79	0.046250	9908.60	20130101	0	 
	77	1	0	0	 	650214.09	0.047500	5444.82	20130101	0	 
	78	1	0	0	 	640100.87	0.038750	4814.30	20130101	0	 
	79	1	0	0	 	914233.30	0.038750	7059.36	20130101	0	 
	80	1	0	0	 	34446.34	0.038750	567.68	20130101	0	 
	81	1	0	0	 	668529.23	0.041250	5177.02	20130101	0	 
	82	1	0	0	 	556652.89	0.041250	4460.89	20130101	0	 
	83	1	0	0	 	601472.50	0.040000	4723.65	20130101	0	 
	84	1	0	0	 	805522.69	0.036250	6056.71	20130101	0	 
	85	1	0	0	 	619218.74	0.046250	5054.97	20130101	0	 
	86	1	0	0	 	723290.21	0.040000	5769.57	20130101	0	 
	87	1	0	0	 	477500.98	0.048750	4117.56	20130101	0	 
	88	1	0	0	 	543901.51	0.045000	4589.96	20130101	0	 
	89	1	0	0	 	1084464.88	0.042500	8575.97	20130101	0	 
	90	1	0	0	 	548973.62	0.045000	4589.96	20130101	0	 
	91	1	0	0	 	944119.68	0.048750	8627.27	20130101	0	 
	92	1	0	0	 	793819.10	0.037500	5999.59	20130101	0	 
	93	1	0	0	 	1268725.88	0.040000	9919.22	20130101	0	 
	94	1	0	0	 	845164.06	0.045000	7099.14	20130101	0	 
	95	1	0	0	 	598133.14	0.036250	4484.85	20130101	0	 
	96	1	0	0	 	596281.87	0.041250	4617.54	20130101	0	 
	97	1	0	0	 	558239.99	0.037500	4164.08	20130101	0	 
	98	1	0	0	 	529414.64	0.038750	4033.92	20130101	0	 
	99	1	0	0	 	679354.55	0.038750	5134.08	20130101	0	 
	100	1	0	0	 	531054.44	0.045000	4360.46	20130101	0	 
	101	1	0	0	 	638978.14	0.042500	5053.05	20130101	0	 
	102	1	0	0	 	1112470.79	0.040000	8400.64	20130101	0	 
	103	1	0	0	 	521009.33	0.038750	3901.90	20130101	0	 
	104	1	0	0	 	764362.12	0.043750	6402.76	20130101	0	 
	105	1	0	0	 	508171.79	0.041250	3885.37	20130101	0	 
	106	1	0	0	 	744219.62	0.043750	5856.55	20130101	0	 
	107	1	0	0	 	675189.84	0.042500	5613.88	20130101	0	 
	108	1	0	0	 	521701.77	0.047500	4433.64	20130101	0	 
	109	1	0	0	 	751869.81	0.042500	6251.43	20130101	0	 
	110	1	0	0	 	433932.99	0.043750	3520.00	20130101	0	 
	111	1	0	0	 	607649.04	0.043750	5044.83	20130101	0	 
	112	1	0	0	 	565597.97	0.038750	4253.95	20130101	0	 
	113	1	0	0	 	1306034.29	0.041250	10070.56	20130101	0	 
	114	1	0	0	 	766999.68	0.040000	5917.50	20130101	0	 
	115	1	0	0	 	212016.27	0.046250	4093.03	20130101	0	 
	116	1	0	0	 	811532.92	0.043750	6962.62	20130101	0	 
	117	1	0	0	 	565573.80	0.043750	4737.58	20130101	0	 
	118	1	0	0	 	437345.36	0.041250	3610.48	20130101	0	 
	119	1	0	0	 	841045.07	0.040000	6546.24	20130101	0	 
	120	1	0	0	 	929210.23	0.043750	7586.20	20130101	0	 
	121	1	0	0	 	523125.55	0.040000	3983.96	20130101	0	 
	122	1	0	0	 	748813.52	0.042500	5895.98	20130101	0	 
	123	1	0	0	 	639548.45	0.037500	4770.58	20130101	0	 
	124	1	0	0	 	789370.10	0.041250	6452.62	20130101	0	 
	125	1	0	0	 	59006.51	0.043750	512.07	20130101	0	 
	126	1	0	0	 	555290.07	0.048750	4705.78	20130101	0	 
	127	1	0	0	 	1623802.12	0.043750	12591.39	20130101	0	 
	128	1	0	0	 	591829.94	0.042500	4724.31	20130101	0	 
	129	1	0	0	 	880682.03	0.038750	6652.30	20130101	0	 
	130	1	0	0	 	138749.61	0.041250	1145.06	20130101	0	 
	131	1	0	0	 	345888.98	0.041250	3013.71	20130101	0	 
	132	1	0	0	 	601642.21	0.041250	4699.60	20130101	0	 
	133	1	0	0	 	551174.46	0.045000	4701.65	20130101	0	 
	134	1	0	0	 	777870.71	0.048750	6650.84	20130101	0	 
	135	1	0	0	 	637215.75	0.041250	5259.07	20130101	0	 
	136	1	0	0	 	461420.09	0.041250	3573.18	20130101	0	 
	137	1	0	0	 	629496.46	0.045000	5087.21	20130101	0	 
	138	1	0	0	 	1224403.09	0.047500	10298.49	20130101	0	 
	139	1	0	0	 	585395.14	0.041250	4475.81	20130101	0	 
	140	1	0	0	 	528915.32	0.040000	4098.61	20130101	0	 
	141	1	0	0	 	1136772.06	0.047500	9956.25	20130101	0	 
	142	1	0	0	 	548885.13	0.046250	4682.77	20130101	0	 
	143	1	0	0	 	1610460.34	0.048750	13529.13	20130101	0	 
	144	1	0	0	 	643271.32	0.043750	5158.62	20130101	0	 
	145	1	0	0	 	483482.93	0.043750	3881.10	20130101	0	 
	146	1	0	0	 	488145.18	0.045000	3993.26	20130101	0	 
	147	1	0	0	 	589917.04	0.042500	4588.90	20130101	0	 
	148	1	0	0	 	904616.70	0.050000	7757.69	20130101	0	 
	149	1	0	0	 	175737.28	0.042500	2143.99	20130101	0	 
	150	1	0	0	 	721068.93	0.040000	5547.66	20130101	0	 
	151	1	0	0	 	927505.60	0.045000	7649.93	20130101	0	 
	152	1	0	0	 	498123.90	0.040000	3894.46	20130101	0	 
	153	1	0	0	 	858100.98	0.042500	6815.64	20130101	0	 
	154	1	0	0	 	683194.98	0.036250	5191.46	20130101	0	 
	155	1	0	0	 	539864.78	0.042500	4287.99	20130101	0	 
	156	1	0	0	 	605557.17	0.031250	4336.39	20130101	0	 
	157	1	0	0	 	681598.28	0.031250	4832.73	20130101	0	 
	158	1	0	0	 	476159.23	0.036250	3497.03	20130101	0	 
	159	1	0	0	 	501837.43	0.032500	3653.88	20130101	0	 
	160	1	0	0	 	545657.02	0.036250	4001.75	20130101	0	 
	161	1	0	0	 	755429.12	0.030000	3212.62	20130101	0	39
	162	1	0	0	 	536585.74	0.035000	2424.84	20130101	0	39
	163	1	0	0	 	839657.28	0.035000	3794.43	20130101	0	39
	164	1	0	0	 	575351.14	0.032500	5786.43	20130101	0	 
	165	1	0	0	 	772600.57	0.033750	5571.56	20130101	0	 
	166	1	0	0	 	496985.86	0.033750	3593.41	20130101	0	 
	167	1	0	0	 	550224.74	0.036250	2524.93	20130101	0	39
	168	1	0	0	 	663047.64	0.038750	3141.18	20130101	0	39
	169	1	0	0	 	695669.32	0.036250	3192.36	20130101	0	39
	170	1	0	0	 	1104873.76	0.033750	5039.90	20130101	0	39
	171	1	0	0	 	516080.18	0.035000	5523.25	20130101	0	39
	172	1	0	0	 	678088.66	0.038750	3216.42	20130101	0	39
	173	1	0	0	 	733036.72	0.036250	3363.83	20130101	0	39
	174	1	120	0	 	999499.39	0.037500	3123.44	20130101	0	39
	175	1	120	0	 	534000.00	0.041250	1835.63	20130101	0	39
	176	1	120	0	 	1483544.14	0.036250	4481.49	20130101	0	39
	177	1	120	0	 	655261.21	0.035000	1911.17	20130101	0	39
	178	1	0	0	 	891604.12	0.033750	3967.81	20130101	0	39
	179	1	0	0	 	615253.23	0.037500	2866.69	20130101	0	39
	180	1	0	0	 	576411.72	0.036250	2645.10	20130101	0	39
	181	1	0	0	 	893676.64	0.038750	4227.43	20130101	0	39
	182	1	0	0	 	2783781.94	0.040000	13367.63	20130101	0	39
	183	1	0	0	 	649395.30	0.037500	3025.77	20130101	0	39
	184	1	0	0	 	767157.71	0.028750	7582.80	20130101	0	 
	185	1	0	0	 	859824.26	0.032500	6148.35	20130101	0	 
	186	1	0	0	 	579820.32	0.035000	4232.10	20130101	0	 
	187	1	0	0	 	575650.37	0.036250	4203.64	20130101	0	 
	188	1	0	0	 	526076.25	0.032500	3745.22	20130101	0	 
	189	1	0	0	 	643794.38	0.035000	4718.22	20130101	0	 
	190	1	0	0	 	529926.35	0.036250	3886.39	20130101	0	 
	191	1	0	0	 	536132.29	0.033750	3866.29	20130101	0	 
	192	1	120	0	 	2325000.00	0.029500	5715.63	20130101	0	35
	193	1	120	0	 	997000.00	0.040500	3364.88	20130101	0	35
	194	1	120	0	 	1100000.00	0.042500	3895.83	20130101	0	39
	195	1	120	0	 	1900000.00	0.043000	6808.33	20130101	0	35
	196	1	120	0	 	1360000.00	0.043500	4930.00	20130101	0	35
	197	1	0	0	 	510692.17	0.043750	2596.28	20130101	0	39
	198	1	0	0	 	531238.04	0.045000	2736.10	20130101	0	39
	199	1	0	0	 	1372651.61	0.046250	7287.93	20130101	0	39
	200	1	120	0	 	488502.88	0.046250	1882.77	20130101	0	39
	201	1	0	0	 	780861.56	0.028750	3256.91	20130101	0	39
	202	1	0	0	 	1010086.69	0.033750	4509.38	20130101	0	39
	203	1	0	0	 	318320.87	0.033750	2873.63	20130101	0	39
	204	1	0	0	 	666414.33	0.035000	3031.05	20130101	0	39
	205	1	0	0	 	835609.23	0.035000	3794.43	20130101	0	39
	206	1	0	0	 	746828.10	0.035000	3385.80	20130101	0	39
	207	1	0	0	 	749450.16	0.036250	3444.56	20130101	0	39
	208	1	0	0	 	605986.85	0.036250	2794.00	20130101	0	39
	209	1	0	0	 	1101151.43	0.037500	5186.89	20130101	0	39
	210	1	0	0	 	821770.84	0.037500	3883.22	20130101	0	39
	211	1	0	0	 	789019.18	0.037500	3704.92	20130101	0	39
	212	1	0	0	 	763882.86	0.037500	3575.72	20130101	0	39
	213	1	120	0	 	731250.00	0.040000	2437.50	20130101	0	39
	214	1	0	0	 	644488.33	0.041250	3215.65	20130101	0	39
	215	1	0	0	 	589573.85	0.041250	2883.67	20130101	0	39
	216	1	0	0	 	743604.80	0.041250	3634.87	20130101	0	39
	217	1	0	0	 	563481.96	0.043750	2848.42	20130101	0	39
	218	1	0	0	 	807209.20	0.043750	4069.17	20130101	0	39
	219	1	0	0	 	1225486.01	0.043750	6203.62	20130101	0	39
	220	1	0	0	 	645371.84	0.043750	3235.37	20130101	0	 
	221	1	0	0	 	528844.74	0.038750	2497.90	20130101	0	 
	222	1	0	0	 	829651.40	0.041250	4032.29	20130101	0	 
	223	1	0	0	 	939654.89	0.040000	4499.04	20130101	0	 
	224	1	0	0	 	737667.41	0.035000	3322.93	20130101	0	 
	225	1	0	0	 	648387.74	0.042500	3207.45	20130101	0	 
	226	1	0	0	 	904729.13	0.040000	4344.48	20130101	0	 
	227	1	0	0	 	672200.21	0.042500	3320.59	20130101	0	 
	228	1	0	0	 	736361.77	0.042500	3632.48	20130101	0	 
	229	1	0	0	 	718918.88	0.040000	3442.16	20130101	0	 
	230	1	0	0	 	837521.02	0.038750	3949.99	20130101	0	 
	231	1	0	0	 	963796.19	0.037500	4470.22	20130101	0	 
	232	1	0	0	 	996982.97	0.037500	4631.16	20130101	0	 
	233	1	0	0	 	997167.19	0.041250	4846.45	20130101	0	 
	234	1	0	0	 	557422.04	0.041250	2709.19	20130101	0	 
	235	1	0	0	 	771249.52	0.045000	3933.90	20130101	0	 
	236	1	0	0	 	957290.08	0.041250	4652.64	20130101	0	 
	237	1	0	0	 	690068.43	0.041250	3363.47	20130101	0	 
	238	1	0	0	 	997176.16	0.041250	4846.49	20130101	0	 
	239	1	0	0	 	500582.93	0.041250	2432.94	20130101	0	 
	240	1	0	0	 	558383.60	0.040000	2673.53	20130101	0	 
	241	1	0	0	 	741899.81	0.041250	3605.79	20130101	0	 
	242	1	0	0	 	929240.75	0.038570	4373.02	20130101	0	 
	243	1	0	0	 	612186.98	0.038750	2887.26	20130101	0	 
	244	1	0	0	 	777798.19	0.041250	3780.27	20130101	0	 
	245	1	0	0	 	588733.39	0.041250	2861.37	20130101	0	 
	246	1	0	0	 	558488.60	0.043750	2796.00	20130101	0	 
	247	1	0	0	 	947196.39	0.038750	4467.25	20130101	0	 
	248	1	0	0	 	516936.64	0.041250	2512.42	20130101	0	 
	249	1	0	0	 	669312.47	0.040000	3204.65	20130101	0	 
	250	1	0	0	 	663080.51	0.040000	3174.81	20130101	0	 
	251	1	0	0	 	997112.57	0.040000	4774.15	20130101	0	 
	252	1	0	0	 	496549.37	0.041250	2409.92	20130101	0	 
	253	1	0	0	 	965267.49	0.041250	4691.41	20130101	0	 
	254	1	0	0	 	2986402.21	0.037500	13893.47	20130101	0	 
	255	1	0	0	 	870374.79	0.042500	4299.55	20130101	0	 
	256	1	0	0	 	1195022.59	0.042500	5903.28	20130101	0	 
	257	1	0	0	 	560912.16	0.041250	2726.15	20130101	0	 
	258	1	0	0	 	560947.31	0.042500	2767.16	20130101	0	 
	259	1	0	0	 	560427.68	0.040000	2683.31	20130101	0	 
	260	1	0	0	 	578288.33	0.038750	2727.38	20130101	0	 
	261	1	0	0	 	882557.10	0.042500	4353.67	20130101	0	 
	262	1	0	0	 	797586.39	0.037500	3704.92	20130101	0	 
	263	1	0	0	 	839170.77	0.040000	4017.93	20130101	0	 
	264	1	0	0	 	634283.48	0.043750	3175.45	20130101	0	 
	265	1	0	0	 	951069.41	0.043750	4774.42	20130101	0	 
	266	1	0	0	 	640532.09	0.042500	3164.16	20130101	0	 
	267	1	0	0	 	602191.80	0.042500	2974.76	20130101	0	 
	268	1	0	0	 	611008.73	0.042500	3014.12	20130101	0	 
	269	1	0	0	 	549373.91	0.038750	2591.01	20130101	0	 
	270	1	0	0	 	542996.99	0.042500	2678.61	20130101	0	 
	271	1	0	0	 	895621.06	0.038750	4224.01	20130101	0	 
	272	1	0	0	 	512299.78	0.041250	2489.89	20130101	0	 
	273	1	0	0	 	687030.61	0.041250	3334.39	20130101	0	 
	274	1	0	0	 	733404.31	0.037500	3407.14	20130101	0	 
	275	1	0	0	 	994333.90	0.041250	4846.49	20130101	0	 
	276	1	0	0	 	837575.41	0.040000	4010.29	20130101	0	 
	277	1	0	0	 	872417.74	0.038750	4114.57	20130101	0	 
	278	1	0	0	 	696994.31	0.040000	3332.36	20130101	0	 
	279	1	0	0	 	650216.91	0.047500	3422.01	20130101	0	 
	280	1	0	0	 	993355.99	0.045000	5066.85	20130101	0	 
	281	1	0	0	 	847653.71	0.042500	4181.49	20130101	0	 
	282	1	0	0	 	1514372.03	0.041250	7381.22	20130101	0	 
	283	1	0	0	 	732878.24	0.041250	3567.02	20130101	0	 
	284	1	0	0	 	711622.27	0.040000	3413.52	20130101	0	 
	285	1	0	0	 	1143904.31	0.043750	5726.80	20130101	0	 
	286	1	0	0	 	821500.73	0.041250	3998.36	20130101	0	 
	287	1	0	0	 	959284.44	0.041250	4662.33	20130101	0	 
	288	1	0	0	 	700268.30	0.043750	3510.57	20130101	0	 
	289	1	0	0	 	648165.17	0.041250	3150.22	20130101	0	 
	290	1	0	0	 	703916.48	0.038750	3319.87	20130101	0	 
	291	1	0	0	 	709037.41	0.042500	3497.69	20130101	0	 
	292	1	0	0	 	599173.36	0.042500	2951.64	20130101	0	 
	293	1	0	0	 	704050.35	0.043750	3519.96	20130101	0	 
	294	1	0	0	 	896346.90	0.038750	4227.43	20130101	0	 
	295	1	0	0	 	1153298.45	0.038750	5431.24	20130101	0	 
	296	1	0	0	 	708992.96	0.041250	3445.86	20130101	0	 
	297	1	0	0	 	997301.05	0.043750	4992.85	20130101	0	 
	298	1	0	0	 	518596.55	0.043750	2596.28	20130101	0	 
	299	1	0	0	 	474595.24	0.038750	2238.33	20130101	0	 
	300	1	0	0	 	702965.06	0.040000	3365.78	20130101	0	 
	301	1	0	0	 	719008.03	0.042500	3541.97	20130101	0	 
	302	1	0	0	 	780023.50	0.043750	3910.40	20130101	0	 
	303	1	0	0	 	898644.46	0.037500	4168.04	20130101	0	 
	304	1	0	0	 	895349.85	0.038750	4222.73	20130101	0	 
	305	1	0	0	 	883696.21	0.038750	4161.60	20130101	0	 
	306	1	0	0	 	857053.21	0.038750	4042.11	20130101	0	 
	307	1	0	0	 	582387.95	0.042500	2872.93	20130101	0	 
	308	1	0	0	 	1420977.47	0.041250	6906.26	20130101	0	 
	309	1	0	0	 	499521.47	0.038750	2355.89	20130101	0	 
	310	1	0	0	 	730930.86	0.041250	3552.48	20130101	0	 
	311	1	0	0	 	858651.60	0.037500	3988.58	20130101	0	 
	312	1	0	0	 	677948.43	0.037500	3149.19	20130101	0	 
	313	1	0	0	 	816138.51	0.038750	3860.65	20130101	0	 
	314	1	0	0	 	661681.52	0.041250	3220.50	20130101	0	 
	315	1	0	0	 	707046.31	0.043750	3534.94	20130101	0	 
	316	1	0	0	 	745049.22	0.042500	3685.61	20130101	0	 
	317	1	0	0	 	736551.37	0.045000	3741.87	20130101	0	 
	318	1	0	0	 	940809.96	0.038750	4443.74	20130101	0	 
	319	1	0	0	 	674946.16	0.040000	3231.62	20130101	0	 
	320	1	0	0	 	1235922.25	0.040000	5917.56	20130101	0	 
	321	1	0	0	 	1029585.43	0.041250	5004.01	20130101	0	 
	322	1	0	0	 	757902.14	0.042500	3738.74	20130101	0	 
	323	1	0	0	 	686100.89	0.042500	3384.55	20130101	0	 
	324	1	0	0	 	685924.30	0.037500	3186.24	20130101	0	 
	325	1	0	0	 	972247.74	0.041250	4725.33	20130101	0	 
	326	1	0	0	 	712538.74	0.037500	3309.86	20130101	0	 
	327	1	0	0	 	797639.07	0.038750	3761.90	20130101	0	 
	328	1	0	0	 	672097.42	0.041250	3266.54	20130101	0	 
	329	1	0	0	 	705887.33	0.035000	3174.75	20130101	0	 
	330	1	0	0	 	781737.03	0.040000	3742.94	20130101	0	 
	331	1	0	0	 	786671.52	0.038750	3710.17	20130101	0	 
	332	1	0	0	 	678080.47	0.041250	3295.62	20130101	0	 
	333	1	0	0	 	662023.27	0.038750	3117.67	20130101	0	 
	334	1	0	0	 	530394.95	0.037500	2463.77	20130101	0	 
	335	1	0	0	 	840673.01	0.042500	4147.05	20130101	0	 
	336	1	0	0	 	639160.88	0.037500	2964.52	20130101	0	 
	337	1	0	0	 	658983.81	0.036250	3009.94	20130101	0	 
	338	1	0	0	 	822618.68	0.040000	3938.68	20130101	0	 
	339	1	0	0	 	778850.91	0.038750	3667.85	20130101	0	 
	340	1	0	0	 	1120347.07	0.038750	5276.06	20130101	0	 
	341	1	0	0	 	761545.50	0.040000	3646.26	20130101	0	 
	342	1	0	0	 	524515.20	0.041250	2549.26	20130101	0	 
	343	1	0	0	 	574337.41	0.040000	2749.91	20130101	0	 
	344	1	0	0	 	721956.26	0.041250	3508.86	20130101	0	 
	345	1	0	0	 	560189.55	0.033750	2484.58	20130101	0	 
	346	1	0	0	 	1135376.38	0.043750	5691.85	20130101	0	 
	347	1	0	0	 	838518.08	0.038750	3954.69	20130101	0	 
	348	1	0	0	 	994762.70	0.041250	4841.65	20130101	0	 
	349	1	0	0	 	607242.16	0.040000	2907.46	20130101	0	 
	350	1	0	0	 	742974.36	0.043750	3724.67	20130101	0	 
	351	1	0	0	 	801679.30	0.040000	3838.42	20130101	0	 
	352	1	0	0	 	590365.89	0.042500	2912.28	20130101	0	 
	353	1	0	0	 	991317.25	0.043750	4962.90	20130101	0	 
	354	1	0	0	 	583348.64	0.041250	2835.20	20130101	0	 
	355	1	0	0	 	972058.42	0.037500	4515.38	20130101	0	 
	356	1	0	0	 	648038.94	0.037500	3010.25	20130101	0	 
	357	1	0	0	 	997013.85	0.040000	4773.68	20130101	0	 
	358	1	0	0	 	539168.58	0.036250	2462.68	20130101	0	 
	359	1	0	0	 	574374.05	0.041250	2791.58	20130101	0	 
	360	1	0	0	 	644111.38	0.042500	3173.01	20130101	0	 
	361	1	0	0	 	995663.12	0.040000	4774.15	20130101	0	 
	362	1	0	0	 	1080800.95	0.038750	5097.37	20130101	0	 
	363	1	0	0	 	777798.19	0.041250	3780.27	20130101	0	 
	364	1	0	0	 	697979.50	0.040000	3341.91	20130101	0	 
	365	1	0	0	 	937225.91	0.038750	4420.23	20130101	0	 
	366	1	0	0	 	997048.84	0.038750	4702.37	20130101	0	 
	367	1	0	0	 	1017454.68	0.040000	4871.55	20130101	0	 
	368	1	0	0	 	922645.76	0.036250	4220.75	20130101	0	 
	369	1	0	0	 	647995.40	0.036250	2964.33	20130101	0	 
	370	1	0	0	 	1177763.94	0.038750	5554.68	20130101	0	 
	371	1	0	0	 	690954.85	0.038750	3258.74	20130101	0	 
	372	1	0	0	 	694988.16	0.040000	3327.58	20130101	0	 
	373	1	0	0	 	532525.97	0.042500	2626.96	20130101	0	 
	374	1	0	0	 	543355.74	0.037500	2523.98	20130101	0	 
	375	1	0	0	 	961155.08	0.038750	4533.09	20130101	0	 
	376	1	0	0	 	706907.63	0.038750	3333.98	20130101	0	 
	377	1	0	0	 	959721.80	0.040000	4595.12	20130101	0	 
	378	1	0	0	 	558480.62	0.043750	2795.96	20130101	0	 
	379	1	0	0	 	997048.84	0.038750	4702.37	20130101	0	 
	380	1	0	0	 	921332.93	0.040000	4411.32	20130101	0	 
	381	1	0	0	 	672918.29	0.036250	3078.35	20130101	0	 
	382	1	0	0	 	620122.14	0.043750	3113.04	20130101	0	 
	383	1	0	0	 	1464741.29	0.036250	6690.27	20130101	0	 
	384	1	0	0	 	696638.90	0.042500	3431.77	20130101	0	 
	385	1	0	0	 	965143.27	0.038750	4551.89	20130101	0	 
	386	1	0	0	 	685877.04	0.037500	3190.87	20130101	0	 
	387	1	0	0	 	995663.12	0.040000	4774.15	20130101	0	 
	388	1	0	0	 	679840.75	0.041250	3299.50	20130101	0	 
	389	1	0	0	 	909538.56	0.043750	4553.48	20130101	0	 
	390	1	0	0	 	862390.29	0.037500	4005.95	20130101	0	 
	391	1	0	0	 	697888.09	0.037500	3241.81	20130101	0	 
	392	1	0	0	 	834795.48	0.040000	3991.19	20130101	0	 
	393	1	0	0	 	732830.90	0.038750	3456.24	20130101	0	 
	394	1	0	0	 	1088321.75	0.036250	4970.96	20130101	0	 
	395	1	0	0	 	784159.80	0.041250	3816.62	20130101	0	 
	396	1	0	0	 	737864.03	0.040000	3532.87	20130101	0	 
	397	1	0	0	 	853529.21	0.040000	4086.67	20130101	0	 
	398	1	0	0	 	663878.21	0.040000	3178.63	20130101	0	 
	399	1	0	0	 	698110.75	0.043750	3495.00	20130101	0	 
	400	1	0	0	 	622315.86	0.043750	3115.54	20130101	0	 
	401	1	0	0	 	571952.16	0.043750	2863.40	20130101	0	 
	402	1	0	0	 	850482.66	0.038750	4011.12	20130101	0	 
	403	1	0	0	 	697888.09	0.037500	3241.81	20130101	0	 
	404	1	0	0	 	619086.61	0.038750	2915.47	20130101	0	 
	405	1	0	0	 	643219.59	0.042500	3173.01	20130101	0	 
	406	1	0	0	 	499585.75	0.041250	2428.10	20130101	0	 
	407	1	0	0	 	580471.59	0.040000	2783.33	20130101	0	 
	408	1	0	0	 	605589.04	0.045000	3080.65	20130101	0	 
	409	1	0	0	 	957782.85	0.043750	4808.12	20130101	0	 
	410	1	0	0	 	705091.84	0.043750	3529.95	20130101	0	 
	411	1	0	0	 	867598.50	0.042500	4279.88	20130101	0	 
	412	1	0	0	 	685209.60	0.043750	3435.08	20130101	0	 
	413	1	0	0	 	691185.28	0.043750	3465.04	20130101	0	 
	414	1	0	0	 	866142.52	0.038750	4091.06	20130101	0	 
	415	1	0	0	 	567527.98	0.040000	2721.27	20130101	0	 
	416	1	0	0	 	927138.35	0.042500	4579.96	20130101	0	 
	417	1	0	0	 	973758.53	0.040000	4669.12	20130101	0	 
	418	1	0	0	 	950789.83	0.042500	4696.80	20130101	0	 
	419	1	0	0	 	519496.17	0.040000	2487.33	20130101	0	 
	420	1	0	0	 	623274.79	0.042500	3074.62	20130101	0	 
	421	1	0	0	 	996990.34	0.042500	4918.17	20130101	0	 
	422	1	0	0	 	642182.10	0.041250	3121.14	20130101	0	 
	423	1	0	0	 	922330.04	0.040000	4416.09	20130101	0	 
	424	1	0	0	 	700466.55	0.038750	3298.71	20130101	0	 
	425	1	0	0	 	651263.63	0.041250	3174.46	20130101	0	 
	426	1	0	0	 	997177.17	0.041250	4846.50	20130101	0	 
	427	1	0	0	 	590328.87	0.041250	2869.13	20130101	0	 
	428	1	0	0	 	722860.41	0.038750	3409.22	20130101	0	 
	429	1	0	0	 	1295624.44	0.040000	6203.41	20130101	0	 
	430	1	0	0	 	1046969.24	0.040000	5012.86	20130101	0	 
	431	1	0	0	 	1141670.37	0.041250	5573.47	20130101	0	 
	432	1	0	0	 	1097031.15	0.043750	5492.14	20130101	0	 
	433	1	0	0	 	1911524.43	0.039000	9056.03	20130101	0	 
	434	1	0	0	 	773778.39	0.035000	4567.18	20130101	0	 
	435	1	0	0	 	930530.39	0.039500	4441.67	20130101	0	 
	436	1	0	0	 	982080.22	0.038500	4617.76	20130101	0	 
	437	1	0	0	 	782833.13	0.042500	3861.73	20130101	0	 
	438	1	0	0	 	1068708.40	0.036500	4903.97	20130101	0	 
	439	1	0	0	 	1124536.46	0.036500	5160.14	20130101	0	 
	440	1	0	0	 	583399.64	0.043000	2895.00	20130101	0	 
	441	1	0	0	 	635790.95	0.037500	2948.89	20130101	0	 
	442	1	0	0	 	1295902.21	0.035000	5837.58	20130101	0	 
	443	1	0	0	 	765225.16	0.036500	3505.97	20130101	0	 
	444	1	0	0	 	1357915.22	0.036500	6221.45	20130101	0	 
	445	1	0	0	 	1710000.00	0.036500	7822.56	20130101	0	 
	446	1	0	0	 	1497740.77	0.037500	6946.73	20130101	0	 
	447	1	0	0	 	624099.48	0.040000	2983.85	20130101	0	 
	448	1	0	0	 	1397815.90	0.035500	6325.77	20130101	0	 
	449	1	0	0	 	1100000.00	0.032000	4757.14	20130101	0	 
	450	1	0	0	 	891023.28	0.042500	4412.70	20130101	0	 
	451	1	0	0	 	700796.66	0.042500	3473.10	20130101	0	 
	452	1	0	0	 	651448.89	0.042500	3227.13	20130101	0	 
	453	1	0	0	 	711032.65	0.042500	3522.29	20130101	0	 
	454	1	0	0	 	665351.78	0.042500	3296.00	20130101	0	 
	455	1	0	0	 	994180.32	0.041250	4846.50	20130101	0	 
	456	1	0	0	 	735220.52	0.038750	3477.87	20130101	0	 
	457	1	0	0	 	710766.16	0.038750	3362.20	20130101	0	 
	458	1	0	0	 	1483733.93	0.042500	7339.74	20130101	0	 
	459	1	0	0	 	803645.78	0.041250	3911.46	20130101	0	 
	460	1	0	0	 	1307562.40	0.042500	6469.01	20130101	0	 
	461	1	0	0	 	678022.62	0.042500	3354.05	20130101	0	 
	462	1	0	0	 	641180.68	0.038750	3033.03	20130101	0	 
	463	1	0	0	 	863131.21	0.042500	4279.88	20130101	0	 
	464	1	0	0	 	640351.68	0.041250	3121.14	20130101	0	 
	465	1	0	0	 	805061.78	0.042500	3999.47	20130101	0	 
	466	1	0	0	 	877080.11	0.041250	4277.21	20130101	0	 
	467	1	0	0	 	721977.77	0.042500	3571.48	20130101	0	 
	468	1	0	0	 	672020.30	0.042500	3333.38	20130101	0	 
	469	1	0	0	 	1208268.58	0.042500	5977.07	20130101	0	 
	470	1	0	0	 	766728.44	0.042500	3792.86	20130101	0	 
	471	1	0	0	 	490641.59	0.040000	2356.04	20130101	0	 
	472	1	0	0	 	576714.22	0.041250	2810.97	20130101	0	 
	473	1	0	0	 	612432.02	0.040000	2940.88	20130101	0	 
	474	1	0	0	 	584668.91	0.041250	2849.74	20130101	0	 
	475	1	0	0	 	843195.98	0.041250	4109.83	20130101	0	 
	476	1	0	0	 	695838.25	0.038750	3291.66	20130101	0	 
	477	1	0	0	 	547561.37	0.038750	2586.30	20130101	0	 
	478	1	0	0	 	449995.88	0.038750	2125.47	20130101	0	 
	479	1	0	0	 	1450382.46	0.040000	6954.51	20130101	0	 
	480	1	0	0	 	666032.64	0.038750	3150.59	20130101	0	 
	481	1	0	0	 	624281.35	0.038750	2953.09	20130101	0	 
	482	1	0	0	 	565630.71	0.038750	2675.65	20130101	0	 
	483	1	0	0	 	842435.03	0.039900	4270.91	20130101	0	 
	484	1	0	0	 	761320.03	0.039900	3814.71	20130101	0	 
	485	1	0	0	 	647840.72	0.041250	3247.15	20130101	0	 
	486	1	0	0	 	480968.73	0.039900	2380.07	20130101	0	 
	487	1	0	0	 	476927.62	0.039900	2336.51	20130101	0	 
	488	1	0	0	 	755354.45	0.039900	4291.55	20130101	0	 
	489	1	0	0	 	633191.12	0.039900	3101.86	20130101	0	 
	490	1	0	0	 	810924.89	0.039900	3962.12	20130101	0	 
	491	1	0	0	 	1070963.66	0.041150	5324.76	20130101	0	 
	492	1	0	0	 	777813.17	0.042500	3886.33	20130101	0	 
	493	1	0	0	 	634296.41	0.042500	3173.01	20130101	0	 
	494	1	0	0	 	817145.17	0.039900	3962.53	20130101	0	 
	495	1	0	0	 	965641.26	0.039900	4673.02	20130101	0	 
	496	1	0	0	 	914094.62	0.041250	4487.86	20130101	0	 
	497	1	0	0	 	740125.43	0.041250	3634.87	20130101	0	 
	498	1	0	0	 	690784.78	0.039900	3337.87	20130101	0	 
	499	1	0	0	 	1306361.07	0.042500	6508.36	20130101	0	 
	500	1	0	0	 	696705.80	0.039900	3366.48	20130101	0	 
	501	1	0	0	 	697945.56	0.041250	3421.63	20130101	0	 
	502	1	0	0	 	736433.12	0.039900	3561.99	20130101	0	 
	503	1	0	0	 	489948.52	0.039900	2360.35	20130101	0	 
	504	1	0	0	 	552305.58	0.039900	2660.76	20130101	0	 
	505	1	0	0	 	513285.90	0.039900	2474.79	20130101	0	 
	506	1	0	0	 	607780.76	0.039900	2937.33	20130101	0	 
	507	1	0	0	 	560066.05	0.039900	2694.14	20130101	0	 
	508	1	0	0	 	991267.35	0.039900	4768.39	20130101	0	 
	509	1	0	0	 	669105.49	0.039900	3218.66	20130101	0	 
	510	1	0	0	 	669105.49	0.039900	3218.66	20130101	0	 
	511	1	0	0	 	729550.60	0.039900	3504.77	20130101	0	 

 

	 	41	42	43	44	45	46	47	48	49	50
	 	
        ARM Look-back

        Days
	Gross Margin	ARM Round Flag	ARM Round Factor	
        Initial Fixed Rate

        Period
	
        Initial Interest Rate

        Cap (Change Up)
	
        Initial Interest Rate

        Cap (Change Down)
	
        Subsequent Interest

        Rate Reset Period
	
        Subsequent Interest

        Rate Cap (Change Down)
	
        Subsequent Interest

        Rate Cap (Change

        Up)

	1	45	0.016250	3	0.001250	120	0.050000	0.050000	1	0.000000	0.000000
	2	45	0.016250	3	0.001250	120	0.050000	0.050000	1	0.000000	0.000000
	3	45	0.027500	3	0.001250	120	0.050000	0.050000	12	0.020000	0.020000
	4	 	 	 	 	 	 	 	 	 	 
	5	 	 	 	 	 	 	 	 	 	 
	6	 	 	 	 	 	 	 	 	 	 
	7	 	 	 	 	 	 	 	 	 	 
	8	 	 	 	 	 	 	 	 	 	 
	9	 	 	 	 	 	 	 	 	 	 
	10	 	 	 	 	 	 	 	 	 	 
	11	 	 	 	 	 	 	 	 	 	 
	12	 	 	 	 	 	 	 	 	 	 
	13	 	 	 	 	 	 	 	 	 	 
	14	45	0.022500	3	0.001250	120	0.050000	0.050000	12	0.020000	0.020000
	15	 	 	 	 	 	 	 	 	 	 
	16	 	 	 	 	 	 	 	 	 	 
	17	 	 	 	 	 	 	 	 	 	 
	18	 	 	 	 	 	 	 	 	 	 
	19	 	 	 	 	 	 	 	 	 	 
	20	 	 	 	 	 	 	 	 	 	 
	21	45	0.022500	3	0.001250	120	0.050000	0.050000	12	0.020000	0.020000
	22	45	0.022500	3	0.001250	60	0.050000	0.050000	12	0.020000	0.020000
	23	45	0.014500	3	0.001250	60	0.050000	0.050000	1	0.000000	0.000000
	24	 	 	 	 	 	 	 	 	 	 
	25	 	 	 	 	 	 	 	 	 	 
	26	 	 	 	 	 	 	 	 	 	 
	27	 	 	 	 	 	 	 	 	 	 
	28	45	0.022500	3	0.001250	120	0.050000	0.050000	12	0.020000	0.020000
	29	45	0.022500	3	0.001250	120	0.050000	0.050000	12	0.020000	0.020000
	30	45	0.022500	3	0.001250	120	0.050000	0.050000	12	0.020000	0.020000
	31	45	0.022500	3	0.001250	120	0.050000	0.050000	12	0.020000	0.020000
	32	45	0.022500	3	0.001250	120	0.050000	0.050000	12	0.020000	0.020000
	33	45	0.022500	3	0.001250	120	0.050000	0.050000	12	0.020000	0.020000
	34	45	0.022500	3	0.001250	120	0.050000	0.050000	12	0.020000	0.020000
	35	45	0.022500	3	0.001250	120	0.050000	0.050000	12	0.020000	0.020000
	36	45	0.022500	3	0.001250	120	0.050000	0.050000	12	0.020000	0.020000
	37	45	0.022500	3	0.001250	120	0.050000	0.050000	12	0.020000	0.020000
	38	45	0.022500	3	0.001250	120	0.050000	0.050000	12	0.020000	0.020000
	39	45	0.022500	3	0.001250	120	0.050000	0.050000	12	0.020000	0.020000
	40	45	0.022500	3	0.001250	120	0.050000	0.050000	12	0.020000	0.020000
	41	45	0.022500	3	0.001250	120	0.050000	0.050000	12	0.020000	0.020000
	42	45	0.022500	3	0.001250	120	0.050000	0.050000	12	0.020000	0.020000
	43	45	0.022500	3	0.001250	120	0.050000	0.050000	12	0.020000	0.020000
	44	45	0.022500	3	0.001250	120	0.050000	0.050000	12	0.020000	0.020000
	45	45	0.022500	3	0.001250	120	0.050000	0.050000	12	0.020000	0.020000
	46	45	0.022500	3	0.001250	120	0.050000	0.050000	12	0.020000	0.020000
	47	45	0.022500	3	0.001250	120	0.050000	0.050000	12	0.020000	0.020000
	48	45	0.022500	3	0.001250	120	0.050000	0.050000	12	0.020000	0.020000
	49	45	0.022500	3	0.001250	120	0.050000	0.050000	12	0.020000	0.020000
	50	45	0.022500	3	0.001250	120	0.050000	0.050000	12	0.020000	0.020000
	51	45	0.022500	3	0.001250	120	0.050000	0.050000	12	0.020000	0.020000
	52	45	0.022500	3	0.001250	120	0.050000	0.050000	12	0.020000	0.020000
	53	45	0.022500	3	0.001250	120	0.050000	0.050000	12	0.020000	0.020000
	54	45	0.022500	3	0.001250	120	0.050000	0.050000	12	0.020000	0.020000
	55	45	0.022500	3	0.001250	120	0.050000	0.050000	12	0.020000	0.020000
	56	45	0.022500	3	0.001250	120	0.050000	0.050000	12	0.020000	0.020000
	57	45	0.022500	3	0.001250	120	0.050000	0.050000	12	0.020000	0.020000
	58	45	0.022500	3	0.001250	120	0.050000	0.050000	12	0.020000	0.020000
	59	45	0.022500	3	0.001250	120	0.050000	0.050000	12	0.020000	0.020000
	60	45	0.022500	3	0.001250	120	0.050000	0.050000	12	0.020000	0.020000
	61	45	0.022500	3	0.001250	120	0.050000	0.050000	12	0.020000	0.020000
	62	45	0.022500	3	0.001250	120	0.050000	0.050000	12	0.020000	0.020000
	63	45	0.022500	3	0.001250	120	0.050000	0.050000	12	0.020000	0.020000
	64	45	0.022500	3	0.001250	120	0.050000	0.050000	12	0.020000	0.020000
	65	45	0.022500	3	0.001250	120	0.050000	0.050000	12	0.020000	0.020000
	66	45	0.022500	3	0.001250	120	0.050000	0.050000	12	0.020000	0.020000
	67	45	0.022500	3	0.001250	120	0.050000	0.050000	12	0.020000	0.020000
	68	45	0.022500	3	0.001250	120	0.050000	0.050000	12	0.020000	0.020000
	69	45	0.022500	3	0.001250	120	0.050000	0.050000	12	0.020000	0.020000
	70	45	0.022500	3	0.001250	120	0.050000	0.050000	12	0.020000	0.020000
	71	45	0.022500	3	0.001250	120	0.050000	0.050000	12	0.020000	0.020000
	72	 	 	 	 	 	 	 	 	 	 
	73	 	 	 	 	 	 	 	 	 	 
	74	 	 	 	 	 	 	 	 	 	 
	75	 	 	 	 	 	 	 	 	 	 
	76	 	 	 	 	 	 	 	 	 	 
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	90	 	 	 	 	 	 	 	 	 	 
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	94	 	 	 	 	 	 	 	 	 	 
	95	 	 	 	 	 	 	 	 	 	 
	96	 	 	 	 	 	 	 	 	 	 
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	98	 	 	 	 	 	 	 	 	 	 
	99	 	 	 	 	 	 	 	 	 	 
	100	 	 	 	 	 	 	 	 	 	 
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	103	 	 	 	 	 	 	 	 	 	 
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	114	 	 	 	 	 	 	 	 	 	 
	115	 	 	 	 	 	 	 	 	 	 
	116	 	 	 	 	 	 	 	 	 	 
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	120	 	 	 	 	 	 	 	 	 	 
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	126	 	 	 	 	 	 	 	 	 	 
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	128	 	 	 	 	 	 	 	 	 	 
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	130	 	 	 	 	 	 	 	 	 	 
	131	 	 	 	 	 	 	 	 	 	 
	132	 	 	 	 	 	 	 	 	 	 
	133	 	 	 	 	 	 	 	 	 	 
	134	 	 	 	 	 	 	 	 	 	 
	135	 	 	 	 	 	 	 	 	 	 
	136	 	 	 	 	 	 	 	 	 	 
	137	 	 	 	 	 	 	 	 	 	 
	138	 	 	 	 	 	 	 	 	 	 
	139	 	 	 	 	 	 	 	 	 	 
	140	 	 	 	 	 	 	 	 	 	 
	141	 	 	 	 	 	 	 	 	 	 
	142	 	 	 	 	 	 	 	 	 	 
	143	 	 	 	 	 	 	 	 	 	 
	144	 	 	 	 	 	 	 	 	 	 
	145	 	 	 	 	 	 	 	 	 	 
	146	 	 	 	 	 	 	 	 	 	 
	147	 	 	 	 	 	 	 	 	 	 
	148	 	 	 	 	 	 	 	 	 	 
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	150	 	 	 	 	 	 	 	 	 	 
	151	 	 	 	 	 	 	 	 	 	 
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	154	 	 	 	 	 	 	 	 	 	 
	155	 	 	 	 	 	 	 	 	 	 
	156	 	 	 	 	 	 	 	 	 	 
	157	 	 	 	 	 	 	 	 	 	 
	158	 	 	 	 	 	 	 	 	 	 
	159	 	 	 	 	 	 	 	 	 	 
	160	 	 	 	 	 	 	 	 	 	 
	161	45	0.022500	3	0.001250	120	0.050000	0.050000	12	0.020000	0.020000
	162	45	0.022500	3	0.001250	120	0.050000	0.050000	12	0.020000	0.020000
	163	45	0.022500	3	0.001250	120	0.050000	0.050000	12	0.020000	0.020000
	164	 	 	 	 	 	 	 	 	 	 
	165	 	 	 	 	 	 	 	 	 	 
	166	 	 	 	 	 	 	 	 	 	 
	167	45	0.022500	3	0.001250	120	0.050000	0.050000	12	0.020000	0.020000
	168	45	0.022500	3	0.001250	120	0.050000	0.050000	12	0.020000	0.020000
	169	45	0.022500	3	0.001250	120	0.050000	0.050000	12	0.020000	0.020000
	170	45	0.022500	3	0.001250	120	0.050000	0.050000	12	0.020000	0.020000
	171	45	0.022500	3	0.001250	120	0.050000	0.050000	12	0.020000	0.020000
	172	45	0.022500	3	0.001250	120	0.050000	0.050000	12	0.020000	0.020000
	173	45	0.022500	3	0.001250	120	0.050000	0.050000	12	0.020000	0.020000
	174	45	0.022500	3	0.001250	120	0.050000	0.050000	12	0.020000	0.020000
	175	45	0.022500	3	0.001250	120	0.050000	0.050000	12	0.020000	0.020000
	176	45	0.022500	3	0.001250	120	0.050000	0.050000	12	0.020000	0.020000
	177	45	0.022500	3	0.001250	120	0.050000	0.050000	12	0.020000	0.020000
	178	45	0.022500	3	0.001250	120	0.050000	0.050000	12	0.020000	0.020000
	179	45	0.022500	3	0.001250	120	0.050000	0.050000	12	0.020000	0.020000
	180	45	0.022500	3	0.001250	120	0.050000	0.050000	12	0.020000	0.020000
	181	45	0.022500	3	0.001250	120	0.050000	0.050000	12	0.020000	0.020000
	182	45	0.022500	3	0.001250	120	0.050000	0.050000	12	0.020000	0.020000
	183	45	0.022500	3	0.001250	120	0.050000	0.050000	12	0.020000	0.020000
	184	 	 	 	 	 	 	 	 	 	 
	185	 	 	 	 	 	 	 	 	 	 
	186	 	 	 	 	 	 	 	 	 	 
	187	 	 	 	 	 	 	 	 	 	 
	188	 	 	 	 	 	 	 	 	 	 
	189	 	 	 	 	 	 	 	 	 	 
	190	 	 	 	 	 	 	 	 	 	 
	191	 	 	 	 	 	 	 	 	 	 
	192	15	0.016250	3	0.001250	60	0.050000	0.050000	1	0.000000	0.000000
	193	45	0.016250	3	0.001250	120	0.050000	0.050000	1	0.000000	0.000000
	194	45	0.022500	3	0.001250	120	0.050000	0.050000	12	0.020000	0.020000
	195	45	0.016250	3	0.001250	120	0.050000	0.050000	1	0.000000	0.000000
	196	45	0.016250	3	0.001250	120	0.050000	0.050000	1	0.000000	0.000000
	197	45	0.022500	3	0.001250	120	0.050000	0.050000	12	0.020000	0.020000
	198	45	0.022500	3	0.001250	120	0.050000	0.050000	12	0.020000	0.020000
	199	45	0.022500	3	0.001250	120	0.050000	0.050000	12	0.020000	0.020000
	200	45	0.022500	3	0.001250	120	0.050000	0.050000	12	0.020000	0.020000
	201	45	0.022500	3	0.001250	60	0.050000	0.050000	12	0.020000	0.020000
	202	45	0.022500	3	0.001250	84	0.050000	0.050000	12	0.020000	0.020000
	203	45	0.022500	3	0.001250	60	0.050000	0.050000	12	0.020000	0.020000
	204	45	0.022500	3	0.001250	60	0.050000	0.050000	12	0.020000	0.020000
	205	45	0.022500	3	0.001250	60	0.050000	0.050000	12	0.020000	0.020000
	206	45	0.022500	3	0.001250	60	0.050000	0.050000	12	0.020000	0.020000
	207	45	0.022500	3	0.001250	60	0.050000	0.050000	12	0.020000	0.020000
	208	45	0.022500	3	0.001250	60	0.050000	0.050000	12	0.020000	0.020000
	209	45	0.022500	3	0.001250	60	0.050000	0.050000	12	0.020000	0.020000
	210	45	0.022500	3	0.001250	60	0.050000	0.050000	12	0.020000	0.020000
	211	45	0.022500	3	0.001250	60	0.050000	0.050000	12	0.020000	0.020000
	212	45	0.022500	3	0.001250	60	0.050000	0.050000	12	0.020000	0.020000
	213	45	0.022500	3	0.001250	60	0.050000	0.050000	12	0.020000	0.020000
	214	45	0.022500	3	0.001250	120	0.050000	0.050000	12	0.020000	0.020000
	215	45	0.022500	3	0.001250	120	0.050000	0.050000	12	0.020000	0.020000
	216	45	0.022500	3	0.001250	120	0.050000	0.050000	12	0.020000	0.020000
	217	45	0.022500	3	0.001250	120	0.050000	0.050000	12	0.020000	0.020000
	218	45	0.022500	3	0.001250	120	0.050000	0.050000	12	0.020000	0.020000
	219	45	0.022500	3	0.001250	120	0.050000	0.050000	12	0.020000	0.020000
	220	 	 	 	 	 	 	 	 	 	 
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	510	 	 	 	 	 	 	 	 	 	 
	511	 	 	 	 	 	 	 	 	 	 

 

	 	51	52	53	54	55	56	57	58	59	60
	 	
        Lifetime Maximum

        Rate (Ceiling)
	
        Lifetime Minimum

        Rate (Floor)
	
        Negative

        Amortization Limit
	
        Initial Negative

        Amortization Recast

        Period
	
        Subsequent

        Negative

        Amortization Recast

        Period
	
        Initial Fixed

        Payment Period
	
        Subsequent

        Payment Reset

        Period
	
        Initial Periodic

        Payment Cap
	
        Subsequent

        Periodic Payment

        Cap
	
        Initial Minimum

        Payment Reset

        Period

	1	0.092000	0.029000	 	 	 	 	 	 	 	 
	2	0.091500	0.029000	 	 	 	 	 	 	 	 
	3	0.096250	0.027500	 	 	 	 	 	 	 	 
	4	 	 	 	 	 	 	 	 	 	 
	5	 	 	 	 	 	 	 	 	 	 
	6	 	 	 	 	 	 	 	 	 	 
	7	 	 	 	 	 	 	 	 	 	 
	8	 	 	 	 	 	 	 	 	 	 
	9	 	 	 	 	 	 	 	 	 	 
	10	 	 	 	 	 	 	 	 	 	 
	11	 	 	 	 	 	 	 	 	 	 
	12	 	 	 	 	 	 	 	 	 	 
	13	 	 	 	 	 	 	 	 	 	 
	14	0.093750	0.022500	 	 	 	 	 	 	 	 
	15	 	 	 	 	 	 	 	 	 	 
	16	 	 	 	 	 	 	 	 	 	 
	17	 	 	 	 	 	 	 	 	 	 
	18	 	 	 	 	 	 	 	 	 	 
	19	 	 	 	 	 	 	 	 	 	 
	20	 	 	 	 	 	 	 	 	 	 
	21	0.096250	0.022500	 	 	 	 	 	 	 	 
	22	0.083750	0.022500	 	 	 	 	 	 	 	 
	23	0.081000	0.028500	 	 	 	 	 	 	 	 
	24	 	 	 	 	 	 	 	 	 	 
	25	 	 	 	 	 	 	 	 	 	 
	26	 	 	 	 	 	 	 	 	 	 
	27	 	 	 	 	 	 	 	 	 	 
	28	0.093750	0.022500	 	 	 	 	 	 	 	 
	29	0.088750	0.022500	 	 	 	 	 	 	 	 
	30	0.091250	0.022500	 	 	 	 	 	 	 	 
	31	0.088750	0.022500	 	 	 	 	 	 	 	 
	32	0.090000	0.022500	 	 	 	 	 	 	 	 
	33	0.092500	0.022500	 	 	 	 	 	 	 	 
	34	0.090000	0.022500	 	 	 	 	 	 	 	 
	35	0.086250	0.022500	 	 	 	 	 	 	 	 
	36	0.085000	0.022500	 	 	 	 	 	 	 	 
	37	0.086250	0.022500	 	 	 	 	 	 	 	 
	38	0.090000	0.022500	 	 	 	 	 	 	 	 
	39	0.087500	0.022500	 	 	 	 	 	 	 	 
	40	0.086250	0.022500	 	 	 	 	 	 	 	 
	41	0.086250	0.022500	 	 	 	 	 	 	 	 
	42	0.088750	0.022500	 	 	 	 	 	 	 	 
	43	0.092500	0.022500	 	 	 	 	 	 	 	 
	44	0.086250	0.022500	 	 	 	 	 	 	 	 
	45	0.092500	0.022500	 	 	 	 	 	 	 	 
	46	0.087500	0.022500	 	 	 	 	 	 	 	 
	47	0.083750	0.022500	 	 	 	 	 	 	 	 
	48	0.085000	0.022500	 	 	 	 	 	 	 	 
	49	0.087500	0.022500	 	 	 	 	 	 	 	 
	50	0.088750	0.022500	 	 	 	 	 	 	 	 
	51	0.087500	0.022500	 	 	 	 	 	 	 	 
	52	0.085000	0.022500	 	 	 	 	 	 	 	 
	53	0.083750	0.022500	 	 	 	 	 	 	 	 
	54	0.085000	0.022500	 	 	 	 	 	 	 	 
	55	0.090000	0.022500	 	 	 	 	 	 	 	 
	56	0.088750	0.022500	 	 	 	 	 	 	 	 
	57	0.091250	0.022500	 	 	 	 	 	 	 	 
	58	0.093750	0.022500	 	 	 	 	 	 	 	 
	59	0.082500	0.022500	 	 	 	 	 	 	 	 
	60	0.087500	0.022500	 	 	 	 	 	 	 	 
	61	0.088750	0.022500	 	 	 	 	 	 	 	 
	62	0.086250	0.022500	 	 	 	 	 	 	 	 
	63	0.093750	0.022500	 	 	 	 	 	 	 	 
	64	0.087500	0.022500	 	 	 	 	 	 	 	 
	65	0.090000	0.022500	 	 	 	 	 	 	 	 
	66	0.086250	0.022500	 	 	 	 	 	 	 	 
	67	0.090000	0.022500	 	 	 	 	 	 	 	 
	68	0.091250	0.022500	 	 	 	 	 	 	 	 
	69	0.085000	0.022500	 	 	 	 	 	 	 	 
	70	0.086250	0.022500	 	 	 	 	 	 	 	 
	71	0.085000	0.022500	 	 	 	 	 	 	 	 
	72	 	 	 	 	 	 	 	 	 	 
	73	 	 	 	 	 	 	 	 	 	 
	74	 	 	 	 	 	 	 	 	 	 
	75	 	 	 	 	 	 	 	 	 	 
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	124	 	 	 	 	 	 	 	 	 	 
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	126	 	 	 	 	 	 	 	 	 	 
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	131	 	 	 	 	 	 	 	 	 	 
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	135	 	 	 	 	 	 	 	 	 	 
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	140	 	 	 	 	 	 	 	 	 	 
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	143	 	 	 	 	 	 	 	 	 	 
	144	 	 	 	 	 	 	 	 	 	 
	145	 	 	 	 	 	 	 	 	 	 
	146	 	 	 	 	 	 	 	 	 	 
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	148	 	 	 	 	 	 	 	 	 	 
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	150	 	 	 	 	 	 	 	 	 	 
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	154	 	 	 	 	 	 	 	 	 	 
	155	 	 	 	 	 	 	 	 	 	 
	156	 	 	 	 	 	 	 	 	 	 
	157	 	 	 	 	 	 	 	 	 	 
	158	 	 	 	 	 	 	 	 	 	 
	159	 	 	 	 	 	 	 	 	 	 
	160	 	 	 	 	 	 	 	 	 	 
	161	0.080000	0.022500	 	 	 	 	 	 	 	 
	162	0.085000	0.022500	 	 	 	 	 	 	 	 
	163	0.085000	0.022500	 	 	 	 	 	 	 	 
	164	 	 	 	 	 	 	 	 	 	 
	165	 	 	 	 	 	 	 	 	 	 
	166	 	 	 	 	 	 	 	 	 	 
	167	0.086250	0.022500	 	 	 	 	 	 	 	 
	168	0.088750	0.022500	 	 	 	 	 	 	 	 
	169	0.086250	0.022500	 	 	 	 	 	 	 	 
	170	0.083750	0.022500	 	 	 	 	 	 	 	 
	171	0.085000	0.022500	 	 	 	 	 	 	 	 
	172	0.088750	0.022500	 	 	 	 	 	 	 	 
	173	0.086250	0.022500	 	 	 	 	 	 	 	 
	174	0.087500	0.022500	 	 	 	 	 	 	 	 
	175	0.091250	0.022500	 	 	 	 	 	 	 	 
	176	0.086250	0.022500	 	 	 	 	 	 	 	 
	177	0.085000	0.022500	 	 	 	 	 	 	 	 
	178	0.083750	0.022500	 	 	 	 	 	 	 	 
	179	0.087500	0.022500	 	 	 	 	 	 	 	 
	180	0.086250	0.022500	 	 	 	 	 	 	 	 
	181	0.088750	0.022500	 	 	 	 	 	 	 	 
	182	0.090000	0.022500	 	 	 	 	 	 	 	 
	183	0.087500	0.022500	 	 	 	 	 	 	 	 
	184	 	 	 	 	 	 	 	 	 	 
	185	 	 	 	 	 	 	 	 	 	 
	186	 	 	 	 	 	 	 	 	 	 
	187	 	 	 	 	 	 	 	 	 	 
	188	 	 	 	 	 	 	 	 	 	 
	189	 	 	 	 	 	 	 	 	 	 
	190	 	 	 	 	 	 	 	 	 	 
	191	 	 	 	 	 	 	 	 	 	 
	192	0.079500	0.027000	 	 	 	 	 	 	 	 
	193	0.090500	0.029000	 	 	 	 	 	 	 	 
	194	0.092500	0.022500	 	 	 	 	 	 	 	 
	195	0.093000	0.029000	 	 	 	 	 	 	 	 
	196	0.093500	0.029000	 	 	 	 	 	 	 	 
	197	0.093750	0.022500	 	 	 	 	 	 	 	 
	198	0.095000	0.022500	 	 	 	 	 	 	 	 
	199	0.096250	0.022500	 	 	 	 	 	 	 	 
	200	0.096250	0.022500	 	 	 	 	 	 	 	 
	201	0.078750	0.022500	 	 	 	 	 	 	 	 
	202	0.083750	0.022500	 	 	 	 	 	 	 	 
	203	0.083750	0.022500	 	 	 	 	 	 	 	 
	204	0.085000	0.022500	 	 	 	 	 	 	 	 
	205	0.085000	0.022500	 	 	 	 	 	 	 	 
	206	0.085000	0.022500	 	 	 	 	 	 	 	 
	207	0.086250	0.022500	 	 	 	 	 	 	 	 
	208	0.086250	0.022500	 	 	 	 	 	 	 	 
	209	0.087500	0.022500	 	 	 	 	 	 	 	 
	210	0.087500	0.022500	 	 	 	 	 	 	 	 
	211	0.087500	0.022500	 	 	 	 	 	 	 	 
	212	0.087500	0.022500	 	 	 	 	 	 	 	 
	213	0.090000	0.022500	 	 	 	 	 	 	 	 
	214	0.091250	0.022500	 	 	 	 	 	 	 	 
	215	0.091250	0.022500	 	 	 	 	 	 	 	 
	216	0.091250	0.022500	 	 	 	 	 	 	 	 
	217	0.093750	0.022500	 	 	 	 	 	 	 	 
	218	0.093750	0.022500	 	 	 	 	 	 	 	 
	219	0.093750	0.022500	 	 	 	 	 	 	 	 
	220	 	 	 	 	 	 	 	 	 	 
	221	 	 	 	 	 	 	 	 	 	 
	222	 	 	 	 	 	 	 	 	 	 
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	511	 	 	 	 	 	 	 	 	 	 

 

	 	61	62	63	64	65	66	67	68	69	70
	 	
        Subsequent

        Minimum Payment

        Reset Period
	
        Option ARM

        Indicator
	Options at Recast	
        Initial Minimum

        Payment
	
        Current Minimum

        Payment
	
        Prepayment Penalty

        Calculation
	
        Prepayment Penalty

        Type
	
        Prepayment Penalty

        Total Term
	
        Prepayment Penalty

        Hard Term
	Primary Borrower ID
	1	 	 	 	 	 	99	99	60	 	58
	2	 	 	 	 	 	99	99	60	 	455
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	45	 	 	 	 	 	 	 	0	 	473
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	198	 	 	 	 	 	 	 	0	 	52
	199	 	 	 	 	 	 	 	0	 	103
	200	 	 	 	 	 	 	 	0	 	293
	201	 	 	 	 	 	 	 	0	 	322
	202	 	 	 	 	 	 	 	0	 	376
	203	 	 	 	 	 	 	 	0	 	279
	204	 	 	 	 	 	 	 	0	 	503
	205	 	 	 	 	 	 	 	0	 	286
	206	 	 	 	 	 	 	 	0	 	284
	207	 	 	 	 	 	 	 	0	 	316
	208	 	 	 	 	 	 	 	0	 	258
	209	 	 	 	 	 	 	 	0	 	523
	210	 	 	 	 	 	 	 	0	 	234
	211	 	 	 	 	 	 	 	0	 	521
	212	 	 	 	 	 	 	 	0	 	46
	213	 	 	 	 	 	 	 	0	 	199
	214	 	 	 	 	 	 	 	0	 	38
	215	 	 	 	 	 	 	 	0	 	239
	216	 	 	 	 	 	 	 	0	 	175
	217	 	 	 	 	 	 	 	0	 	511
	218	 	 	 	 	 	 	 	0	 	223
	219	 	 	 	 	 	 	 	0	 	459
	220	 	 	 	 	 	 	 	0	 	360
	221	 	 	 	 	 	 	 	0	 	243
	222	 	 	 	 	 	 	 	0	 	358
	223	 	 	 	 	 	 	 	0	 	124
	224	 	 	 	 	 	 	 	0	 	125
	225	 	 	 	 	 	 	 	0	 	308
	226	 	 	 	 	 	 	 	0	 	251
	227	 	 	 	 	 	 	 	0	 	386
	228	 	 	 	 	 	 	 	0	 	475
	229	 	 	 	 	 	 	 	0	 	215
	230	 	 	 	 	 	 	 	0	 	313
	231	 	 	 	 	 	 	 	0	 	166
	232	 	 	 	 	 	 	 	0	 	385
	233	 	 	 	 	 	 	 	0	 	471
	234	 	 	 	 	 	 	 	0	 	153
	235	 	 	 	 	 	 	 	0	 	326
	236	 	 	 	 	 	 	 	0	 	466
	237	 	 	 	 	 	 	 	0	 	190
	238	 	 	 	 	 	 	 	0	 	444
	239	 	 	 	 	 	 	 	0	 	136
	240	 	 	 	 	 	 	 	0	 	294
	241	 	 	 	 	 	 	 	0	 	137
	242	 	 	 	 	 	 	 	0	 	495
	243	 	 	 	 	 	 	 	0	 	32
	244	 	 	 	 	 	 	 	0	 	225
	245	 	 	 	 	 	 	 	0	 	334
	246	 	 	 	 	 	 	 	0	 	219
	247	 	 	 	 	 	 	 	0	 	174
	248	 	 	 	 	 	 	 	0	 	527
	249	 	 	 	 	 	 	 	0	 	82
	250	 	 	 	 	 	 	 	0	 	467
	251	 	 	 	 	 	 	 	0	 	35
	252	 	 	 	 	 	 	 	0	 	494
	253	 	 	 	 	 	 	 	0	 	517
	254	 	 	 	 	 	 	 	0	 	74
	255	 	 	 	 	 	 	 	0	 	489
	256	 	 	 	 	 	 	 	0	 	367
	257	 	 	 	 	 	 	 	0	 	72
	258	 	 	 	 	 	 	 	0	 	171
	259	 	 	 	 	 	 	 	0	 	242
	260	 	 	 	 	 	 	 	0	 	335
	261	 	 	 	 	 	 	 	0	 	375
	262	 	 	 	 	 	 	 	0	 	122
	263	 	 	 	 	 	 	 	0	 	278
	264	 	 	 	 	 	 	 	0	 	359
	265	 	 	 	 	 	 	 	0	 	411
	266	 	 	 	 	 	 	 	0	 	379
	267	 	 	 	 	 	 	 	0	 	192
	268	 	 	 	 	 	 	 	0	 	461
	269	 	 	 	 	 	 	 	0	 	201
	270	 	 	 	 	 	 	 	0	 	307
	271	 	 	 	 	 	 	 	0	 	422
	272	 	 	 	 	 	 	 	0	 	528
	273	 	 	 	 	 	 	 	0	 	336
	274	 	 	 	 	 	 	 	0	 	257
	275	 	 	 	 	 	 	 	0	 	393
	276	 	 	 	 	 	 	 	0	 	231
	277	 	 	 	 	 	 	 	0	 	186
	278	 	 	 	 	 	 	 	0	 	172
	279	 	 	 	 	 	 	 	0	 	387
	280	 	 	 	 	 	 	 	0	 	424
	281	 	 	 	 	 	 	 	0	 	60
	282	 	 	 	 	 	 	 	0	 	399
	283	 	 	 	 	 	 	 	0	 	338
	284	 	 	 	 	 	 	 	0	 	477
	285	 	 	 	 	 	 	 	0	 	391
	286	 	 	 	 	 	 	 	0	 	423
	287	 	 	 	 	 	 	 	0	 	435
	288	 	 	 	 	 	 	 	0	 	361
	289	 	 	 	 	 	 	 	0	 	337
	290	 	 	 	 	 	 	 	0	 	454
	291	 	 	 	 	 	 	 	0	 	403
	292	 	 	 	 	 	 	 	0	 	290
	293	 	 	 	 	 	 	 	0	 	507
	294	 	 	 	 	 	 	 	0	 	218
	295	 	 	 	 	 	 	 	0	 	146
	296	 	 	 	 	 	 	 	0	 	476
	297	 	 	 	 	 	 	 	0	 	421
	298	 	 	 	 	 	 	 	0	 	437
	299	 	 	 	 	 	 	 	0	 	9
	300	 	 	 	 	 	 	 	0	 	426
	301	 	 	 	 	 	 	 	0	 	493
	302	 	 	 	 	 	 	 	0	 	25
	303	 	 	 	 	 	 	 	0	 	54
	304	 	 	 	 	 	 	 	0	 	204
	305	 	 	 	 	 	 	 	0	 	369
	306	 	 	 	 	 	 	 	0	 	314
	307	 	 	 	 	 	 	 	0	 	134
	308	 	 	 	 	 	 	 	0	 	513
	309	 	 	 	 	 	 	 	0	 	486
	310	 	 	 	 	 	 	 	0	 	478
	311	 	 	 	 	 	 	 	0	 	128
	312	 	 	 	 	 	 	 	0	 	405
	313	 	 	 	 	 	 	 	0	 	430
	314	 	 	 	 	 	 	 	0	 	206
	315	 	 	 	 	 	 	 	0	 	114
	316	 	 	 	 	 	 	 	0	 	344
	317	 	 	 	 	 	 	 	0	 	485
	318	 	 	 	 	 	 	 	0	 	442
	319	 	 	 	 	 	 	 	0	 	453
	320	 	 	 	 	 	 	 	0	 	406
	321	 	 	 	 	 	 	 	0	 	230
	322	 	 	 	 	 	 	 	0	 	417
	323	 	 	 	 	 	 	 	0	 	474
	324	 	 	 	 	 	 	 	0	 	450
	325	 	 	 	 	 	 	 	0	 	451
	326	 	 	 	 	 	 	 	0	 	480
	327	 	 	 	 	 	 	 	0	 	463
	328	 	 	 	 	 	 	 	0	 	327
	329	 	 	 	 	 	 	 	0	 	236
	330	 	 	 	 	 	 	 	0	 	315
	331	 	 	 	 	 	 	 	0	 	460
	332	 	 	 	 	 	 	 	0	 	519
	333	 	 	 	 	 	 	 	0	 	414
	334	 	 	 	 	 	 	 	0	 	345
	335	 	 	 	 	 	 	 	0	 	374
	336	 	 	 	 	 	 	 	0	 	483
	337	 	 	 	 	 	 	 	0	 	470
	338	 	 	 	 	 	 	 	0	 	445
	339	 	 	 	 	 	 	 	0	 	501
	340	 	 	 	 	 	 	 	0	 	295
	341	 	 	 	 	 	 	 	0	 	179
	342	 	 	 	 	 	 	 	0	 	281
	343	 	 	 	 	 	 	 	0	 	13
	344	 	 	 	 	 	 	 	0	 	394
	345	 	 	 	 	 	 	 	0	 	211
	346	 	 	 	 	 	 	 	0	 	200
	347	 	 	 	 	 	 	 	0	 	29
	348	 	 	 	 	 	 	 	0	 	85
	349	 	 	 	 	 	 	 	0	 	213
	350	 	 	 	 	 	 	 	0	 	170
	351	 	 	 	 	 	 	 	0	 	205
	352	 	 	 	 	 	 	 	0	 	194
	353	 	 	 	 	 	 	 	0	 	98
	354	 	 	 	 	 	 	 	0	 	198
	355	 	 	 	 	 	 	 	0	 	150
	356	 	 	 	 	 	 	 	0	 	147
	357	 	 	 	 	 	 	 	0	 	36
	358	 	 	 	 	 	 	 	0	 	352
	359	 	 	 	 	 	 	 	0	 	138
	360	 	 	 	 	 	 	 	0	 	350
	361	 	 	 	 	 	 	 	0	 	130
	362	 	 	 	 	 	 	 	0	 	30
	363	 	 	 	 	 	 	 	0	 	353
	364	 	 	 	 	 	 	 	0	 	302
	365	 	 	 	 	 	 	 	0	 	457
	366	 	 	 	 	 	 	 	0	 	113
	367	 	 	 	 	 	 	 	0	 	487
	368	 	 	 	 	 	 	 	0	 	140
	369	 	 	 	 	 	 	 	0	 	297
	370	 	 	 	 	 	 	 	0	 	441
	371	 	 	 	 	 	 	 	0	 	472
	372	 	 	 	 	 	 	 	0	 	465
	373	 	 	 	 	 	 	 	0	 	397
	374	 	 	 	 	 	 	 	0	 	104
	375	 	 	 	 	 	 	 	0	 	282
	376	 	 	 	 	 	 	 	0	 	68
	377	 	 	 	 	 	 	 	0	 	469
	378	 	 	 	 	 	 	 	0	 	341
	379	 	 	 	 	 	 	 	0	 	31
	380	 	 	 	 	 	 	 	0	 	509
	381	 	 	 	 	 	 	 	0	 	398
	382	 	 	 	 	 	 	 	0	 	418
	383	 	 	 	 	 	 	 	0	 	94
	384	 	 	 	 	 	 	 	0	 	240
	385	 	 	 	 	 	 	 	0	 	508
	386	 	 	 	 	 	 	 	0	 	126
	387	 	 	 	 	 	 	 	0	 	63
	388	 	 	 	 	 	 	 	0	 	415
	389	 	 	 	 	 	 	 	0	 	407
	390	 	 	 	 	 	 	 	0	 	429
	391	 	 	 	 	 	 	 	0	 	88
	392	 	 	 	 	 	 	 	0	 	518
	393	 	 	 	 	 	 	 	0	 	149
	394	 	 	 	 	 	 	 	0	 	410
	395	 	 	 	 	 	 	 	0	 	69
	396	 	 	 	 	 	 	 	0	 	76
	397	 	 	 	 	 	 	 	0	 	439
	398	 	 	 	 	 	 	 	0	 	383
	399	 	 	 	 	 	 	 	0	 	506
	400	 	 	 	 	 	 	 	0	 	432
	401	 	 	 	 	 	 	 	0	 	89
	402	 	 	 	 	 	 	 	0	 	324
	403	 	 	 	 	 	 	 	0	 	108
	404	 	 	 	 	 	 	 	0	 	33
	405	 	 	 	 	 	 	 	0	 	26
	406	 	 	 	 	 	 	 	0	 	212
	407	 	 	 	 	 	 	 	0	 	224
	408	 	 	 	 	 	 	 	0	 	303
	409	 	 	 	 	 	 	 	0	 	59
	410	 	 	 	 	 	 	 	0	 	101
	411	 	 	 	 	 	 	 	0	 	380
	412	 	 	 	 	 	 	 	0	 	490
	413	 	 	 	 	 	 	 	0	 	343
	414	 	 	 	 	 	 	 	0	 	504
	415	 	 	 	 	 	 	 	0	 	28
	416	 	 	 	 	 	 	 	0	 	227
	417	 	 	 	 	 	 	 	0	 	427
	418	 	 	 	 	 	 	 	0	 	497
	419	 	 	 	 	 	 	 	0	 	34
	420	 	 	 	 	 	 	 	0	 	357
	421	 	 	 	 	 	 	 	0	 	526
	422	 	 	 	 	 	 	 	0	 	91
	423	 	 	 	 	 	 	 	0	 	409
	424	 	 	 	 	 	 	 	0	 	300
	425	 	 	 	 	 	 	 	0	 	77
	426	 	 	 	 	 	 	 	0	 	241
	427	 	 	 	 	 	 	 	0	 	395
	428	 	 	 	 	 	 	 	0	 	232
	429	 	 	 	 	 	 	 	0	 	384
	430	 	 	 	 	 	 	 	0	 	362
	431	 	 	 	 	 	 	 	0	 	64
	432	 	 	 	 	 	 	 	0	 	412
	433	 	 	 	 	 	99	99	60	 	402
	434	 	 	 	 	 	99	99	60	 	378
	435	 	 	 	 	 	99	99	60	 	449
	436	 	 	 	 	 	99	99	60	 	446
	437	 	 	 	 	 	 	 	0	 	135
	438	 	 	 	 	 	99	99	60	 	318
	439	 	 	 	 	 	99	99	60	 	514
	440	 	 	 	 	 	99	99	60	 	346
	441	 	 	 	 	 	99	99	60	 	382
	442	 	 	 	 	 	99	99	60	 	462
	443	 	 	 	 	 	99	99	60	 	419
	444	 	 	 	 	 	99	99	60	 	249
	445	 	 	 	 	 	99	99	60	 	193
	446	 	 	 	 	 	99	99	60	 	468
	447	 	 	 	 	 	99	99	60	 	109
	448	 	 	 	 	 	99	99	60	 	133
	449	 	 	 	 	 	99	99	60	 	173
	450	 	 	 	 	 	 	 	0	 	496
	451	 	 	 	 	 	 	 	0	 	61
	452	 	 	 	 	 	 	 	0	 	392
	453	 	 	 	 	 	 	 	0	 	102
	454	 	 	 	 	 	 	 	0	 	325
	455	 	 	 	 	 	 	 	0	 	401
	456	 	 	 	 	 	 	 	0	 	196
	457	 	 	 	 	 	 	 	0	 	366
	458	 	 	 	 	 	 	 	0	 	183
	459	 	 	 	 	 	 	 	0	 	479
	460	 	 	 	 	 	 	 	0	 	348
	461	 	 	 	 	 	 	 	0	 	413
	462	 	 	 	 	 	 	 	0	 	120
	463	 	 	 	 	 	 	 	0	 	93
	464	 	 	 	 	 	 	 	0	 	176
	465	 	 	 	 	 	 	 	0	 	428
	466	 	 	 	 	 	 	 	0	 	220
	467	 	 	 	 	 	 	 	0	 	111
	468	 	 	 	 	 	 	 	0	 	499
	469	 	 	 	 	 	 	 	0	 	510
	470	 	 	 	 	 	 	 	0	 	90
	471	 	 	 	 	 	 	 	0	 	1
	472	 	 	 	 	 	 	 	0	 	155
	473	 	 	 	 	 	 	 	0	 	152
	474	 	 	 	 	 	 	 	0	 	207
	475	 	 	 	 	 	 	 	0	 	95
	476	 	 	 	 	 	 	 	0	 	157
	477	 	 	 	 	 	 	 	0	 	2
	478	 	 	 	 	 	 	 	0	 	169
	479	 	 	 	 	 	 	 	0	 	48
	480	 	 	 	 	 	 	 	0	 	226
	481	 	 	 	 	 	 	 	0	 	112
	482	 	 	 	 	 	 	 	0	 	151
	483	 	 	 	 	 	 	 	0	 	27
	484	 	 	 	 	 	 	 	0	 	65
	485	 	 	 	 	 	 	 	0	 	440
	486	 	 	 	 	 	 	 	0	 	57
	487	 	 	 	 	 	 	 	0	 	75
	488	 	 	 	 	 	 	 	0	 	178
	489	 	 	 	 	 	 	 	0	 	5
	490	 	 	 	 	 	 	 	0	 	217
	491	 	 	 	 	 	 	 	0	 	8
	492	 	 	 	 	 	 	 	0	 	22
	493	 	 	 	 	 	 	 	0	 	23
	494	 	 	 	 	 	 	 	0	 	3
	495	 	 	 	 	 	 	 	0	 	12
	496	 	 	 	 	 	 	 	0	 	301
	497	 	 	 	 	 	 	 	0	 	44
	498	 	 	 	 	 	 	 	0	 	97
	499	 	 	 	 	 	 	 	0	 	16
	500	 	 	 	 	 	 	 	0	 	19
	501	 	 	 	 	 	 	 	0	 	11
	502	 	 	 	 	 	 	 	0	 	18
	503	 	 	 	 	 	 	 	0	 	14
	504	 	 	 	 	 	 	 	0	 	55
	505	 	 	 	 	 	 	 	0	 	7
	506	 	 	 	 	 	 	 	0	 	10
	507	 	 	 	 	 	 	 	0	 	24
	508	 	 	 	 	 	 	 	0	 	92
	509	 	 	 	 	 	 	 	0	 	49
	510	 	 	 	 	 	 	 	0	 	121
	511	 	 	 	 	 	 	 	0	 	347

 

	 	71	72	73	74	75	76	77	78	79	80
	 	
        Number of

        Mortgaged

        Properties
	
        Total Number of

        Borrowers
	
        Self-employment

        Flag
	
        Current ‘Other’

        Monthly Payment
	
        Length of

        Employment:

        Borrower
	
        Length of

        Employment: Co-

        Borrower
	Years in Home	FICO Model Used	
        Most Recent FICO

        Date
	
        Primary Wage

        Earner Original

        FICO: Equifax

	1	1	 	1	 	14	0	7	1	20121212	 
	2	3	 	0	 	15	3	0	1	20121212	 
	3	1	 	1	 	0.5	3.8	4	1	20121212	 
	4	2	 	0	 	11	 	2	1	 	 
	5	1	 	1	 	8.5	 	9	1	 	 
	6	3	 	1	 	33	33	4	1	 	 
	7	1	 	0	 	1	6	6	1	 	 
	8	3	 	1	 	15	 	3	1	 	 
	9	4	 	1	 	28	13	5	1	 	 
	10	2	 	0	 	8.5	 	1.5	1	 	 
	11	2	 	1	 	29	 	20	1	 	 
	12	1	 	0	 	0	0.75	0	1	 	 
	13	3	 	0	 	12	 	0	1	 	 
	14	2	 	1	 	10	10	18	1	20121212	 
	15	4	 	0	 	13	20	13	1	 	 
	16	3	 	1	 	55	40	0	1	 	 
	17	1	 	0	 	20	5	10	1	 	 
	18	3	 	0	 	0	 	9	1	 	 
	19	1	 	0	 	1.5	 	0	1	 	 
	20	1	 	0	 	9	 	4	1	 	 
	21	1	 	0	 	14	11	4	1	20121212	 
	22	1	 	0	 	4	 	0	1	 	 
	23	2	 	0	 	19	 	20	1	20121212	 
	24	0	 	1	 	26.2	 	0	1	20120928	 
	25	1	 	0	 	20.4	 	2	1	20120928	 
	26	1	 	1	 	20.4	 	1.2	1	20120928	 
	27	2	 	0	 	30	33	7.75	1	20120928	 
	28	1	 	0	 	57	 	37	1	20120928	 
	29	1	 	0	 	31	 	17	1	20120928	 
	30	2	 	0	 	2.3	3	5	1	20120928	 
	31	2	 	0	 	2	6	0	1	20120928	 
	32	2	 	0	 	13	 	0	1	20120928	 
	33	3	 	1	 	17	1	6	1	20120928	 
	34	0	 	0	 	12	 	0	1	20120928	 
	35	2	 	0	 	18	12	0	1	20120928	 
	36	1	 	0	 	15.1	0.9	0.8	1	20120928	 
	37	8	 	0	 	5.01	15.1	0	1	20120928	 
	38	4	 	0	 	19	19	25	1	20120928	 
	39	1	 	0	 	1.4	11.6	0	1	20120928	 
	40	1	 	0	 	8.1	 	0	1	20120928	 
	41	3	 	0	 	22.4	20.4	0	1	20120928	 
	42	1	 	0	 	0.4	 	0	1	20120928	 
	43	1	 	0	 	20	16	0	1	20120928	 
	44	1	 	0	 	5	 	3	1	20120928	 
	45	4	 	1	 	0	23	0	1	20120928	 
	46	3	 	0	 	40	 	1.75	1	20120928	 
	47	1	 	0	 	7.2	 	1	1	20120928	 
	48	1	 	0	 	8	 	0	1	20120928	 
	49	2	 	1	 	1.7	 	4	1	20120928	 
	50	1	 	0	 	8	 	1	1	20120928	 
	51	1	 	1	 	15	 	15	1	20120928	 
	52	2	 	1	 	13.6	 	12	1	20120928	 
	53	2	 	0	 	0.7	0.8	0	1	20120928	 
	54	2	 	1	 	9	 	0	1	20120928	 
	55	3	 	0	 	17	8	3	1	20120928	 
	56	1	 	0	 	10	 	0	1	20120928	 
	57	3	 	1	 	11	16	0	1	20120928	 
	58	3	 	1	 	20	5	0	1	20120928	 
	59	2	 	0	 	3.1	2.1	18	1	20120928	 
	60	1	 	0	 	22.4	14.4	0	1	20120928	 
	61	5	 	0	 	2.5	 	0	1	20120928	 
	62	2	 	0	 	1	 	0	1	20120928	 
	63	1	 	0	 	12	 	0	1	20120928	 
	64	1	 	1	 	17	17	8	1	20120928	 
	65	2	 	1	 	12	 	0	1	20120928	 
	66	2	 	0	 	4	 	0	1	20120928	 
	67	2	 	0	 	15	 	0	1	20120928	 
	68	2	 	0	 	20	 	0	1	20120928	 
	69	2	 	1	 	14.11	 	0	1	20120928	 
	70	1	 	0	 	13	15	9	1	20120928	 
	71	2	 	0	 	0.9	5.3	5	1	20120928	 
	72	1	 	1	 	24	 	6	1	20120928	 
	73	1	 	0	 	19.7	 	7	1	20120928	 
	74	1	 	0	 	17	 	3	1	20120928	 
	75	1	 	0	 	0	0	9.25	1	20120928	 
	76	1	 	0	 	21	 	0	1	20120928	 
	77	2	 	0	 	18.2	 	0	1	20120928	 
	78	1	 	0	 	1.3	 	6	1	20120928	 
	79	7	 	1	 	10	 	0	1	20120928	 
	80	1	 	0	 	3.6	 	3	1	20120928	 
	81	1	 	0	 	25	 	12	1	20120928	 
	82	1	 	0	 	3	2	2	1	20120928	 
	83	1	 	0	 	9.5	10.8	5	1	20120928	 
	84	1	 	1	 	25.2	 	14.8	1	20120928	 
	85	2	 	1	 	21	 	4	1	20120928	 
	86	1	 	1	 	10.1	 	5	1	20120928	 
	87	1	 	0	 	14	2.5	5	1	20120928	 
	88	1	 	0	 	5	 	3	1	20120928	 
	89	1	 	1	 	28	10	9	1	20120928	 
	90	1	 	0	 	13.9	 	3	1	20120928	 
	91	1	 	1	 	3	11.75	1	1	20120928	 
	92	1	 	0	 	20.7	5.8	10	1	20120928	 
	93	1	 	1	 	5.4	4.4	3	1	20120928	 
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	95	1	 	1	 	5.1	5.1	1	1	20120928	 
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	423	2	 	0	 	17	1	0	1	 	 
	424	1	 	0	 	7	 	7	1	 	 
	425	2	 	1	 	8.5	 	1	1	 	 
	426	1	 	1	 	16.25	 	3	1	 	 
	427	1	 	0	 	5	3	0	1	 	 
	428	2	 	0	 	18.5	11	0	1	 	 
	429	1	 	0	 	5	9.5	0	1	 	 
	430	1	 	0	 	0	 	0	1	 	 
	431	1	 	0	 	9.2	0	0	1	 	 
	432	3	 	0	 	13.25	 	0	1	 	 
	433	8	 	1	 	20	20	6	1	 	 
	434	2	 	0	 	1.5	1	0	1	 	 
	435	1	 	0	 	10	15	0	1	 	 
	436	1	 	0	 	7	2	1	1	 	 
	437	2	 	0	 	0	1	3	1	 	 
	438	1	 	1	 	6	6	0	1	 	 
	439	3	 	0	 	0	3.75	0	1	 	 
	440	5	 	0	 	20	15	0	1	 	 
	441	1	 	0	 	2	 	0	1	 	 
	442	1	 	1	 	20	 	0	1	 	 
	443	2	 	0	 	10	4.5	0	1	 	 
	444	3	 	0	 	1	3	0	1	 	 
	445	4	 	0	 	23	 	3	1	 	 
	446	3	 	0	 	17	 	0	1	 	 
	447	1	 	1	 	0.5	7	0	1	 	 
	448	1	 	0	 	1	 	0	1	 	 
	449	2	 	0	 	26	25	0	1	 	 
	450	1	 	0	 	14	4	6	1	20120928	 
	451	1	 	0	 	6.6	9	3	1	20120928	 
	452	2	 	0	 	0.2	4.7	0	1	20120928	 
	453	2	 	0	 	12	5	0	1	20120928	 
	454	1	 	0	 	9.6	 	2	1	20120928	 
	455	3	 	1	 	8	7	0	1	20120928	 
	456	2	 	0	 	3.3	2.7	0	1	20120928	 
	457	0	 	0	 	12	9	0	1	20120928	 
	458	2	 	1	 	4.3	 	0	1	20120928	 
	459	0	 	0	 	0.8	 	0	1	20120928	 
	460	1	 	0	 	7.6	9.1	5	1	20120928	 
	461	1	 	0	 	10.8	 	8	1	20120928	 
	462	1	 	0	 	9.1	 	1.5	1	20120928	 
	463	1	 	0	 	9	8	3	1	20120928	 
	464	1	 	0	 	40	 	5	1	20120928	 
	465	1	 	0	 	13.6	1.5	6	1	20120928	 
	466	1	 	0	 	3	0.6	1	1	20120928	 
	467	1	 	0	 	9	 	4	1	20120928	 
	468	4	 	0	 	7	0.8	5	1	20120928	 
	469	2	 	0	 	14	13	3	1	20120928	 
	470	3	 	0	 	2.9	 	6	1	20120928	 
	471	2	 	1	 	 	 	0	1	 	 
	472	0	 	1	 	1.3	 	0	1	20120928	 
	473	1	 	0	 	5.7	 	0	1	20120928	 
	474	2	 	0	 	2.1	 	0	1	20120928	 
	475	1	 	0	 	5	 	0	1	20120928	 
	476	2	 	0	 	6	1.3	0	1	20120928	 
	477	1	 	1	 	 	 	0	1	 	 
	478	1	 	0	 	1.3	10.7	0	1	20120928	 
	479	1	 	0	 	13.2	8.7	2	1	20120928	 
	480	1	 	0	 	5.8	 	5	1	20120928	 
	481	2	 	0	 	5.1	3.1	2	1	20120928	 
	482	1	 	1	 	17	 	5	1	20120928	 
	483	1	 	0	 	6.5	9	3.75	1	20121022	 
	484	1	 	0	 	0.5	2	0	1	20121022	 
	485	1	 	0	 	1	 	6	1	20121022	 
	486	2	 	0	 	14	 	0	1	20121022	 
	487	2	 	0	 	20	 	0	1	20121022	 
	488	1	 	0	 	1	1.5	0	1	20121022	 
	489	1	 	0	 	7	0	0	1	20121022	 
	490	1	 	0	 	0	 	0	1	20121022	 
	491	2	 	1	 	24	 	24	1	20121022	 
	492	1	 	0	 	8	 	0	1	20121022	 
	493	1	 	0	 	1.5	 	1	1	20121022	 
	494	3	 	0	 	3	11	7	1	20121022	 
	495	2	 	1	 	11	3	2.25	1	20121022	 
	496	1	 	0	 	1.25	7	2.5	1	20121022	 
	497	1	 	0	 	0.75	1	10	1	20121022	 
	498	1	 	0	 	2.5	 	5	1	20121022	 
	499	1	 	0	 	6	 	4	1	20121022	 
	500	3	 	1	 	20	 	5	1	20121022	 
	501	4	 	0	 	31	 	7	1	20121022	 
	502	1	 	0	 	11	25	6	1	20121022	 
	503	1	 	0	 	15	5	14	1	20121022	 
	504	1	 	0	 	4	 	1	1	20121022	 
	505	1	 	0	 	10	10	4.5	1	20121022	 
	506	1	 	1	 	9	6	7	1	20121022	 
	507	1	 	0	 	10	 	6	1	20121022	 
	508	1	 	0	 	5	 	2.5	1	20121022	 
	509	1	 	0	 	6	3	3	1	20121022	 
	510	1	 	0	 	25	 	0	1	20121022	 
	511	1	 	0	 	6	2.25	12.25	1	20121022	 

 

	 	81	82	83	84	85	86	87	88	89	90
	 	
        Primary Wage

        Earner Original

        FICO: Experian
	
        Primary Wage

        Earner Original

        FICO: TransUnion
	
        Secondary Wage

        Earner Original

        FICO: Equifax
	
        Secondary Wage

        Earner Original

        FICO: Experian
	
        Secondary Wage

        Earner Original

        FICO: TransUnion
	
        Original

        Primary Borrower

        FICO
	
        Most Recent

        Primary Borrower

        FICO
	
        Most Recent Co-

        Borrower FICO
	
        Most Recent FICO

        Method
	
        VantageScore:

        Primary Borrower

	1	 	 	 	 	 	801	789	 	3	 
	2	 	 	 	 	 	788	788	 	3	 
	3	 	 	 	 	 	762	743	 	3	 
	4	 	 	 	 	 	772	 	 	 	 
	5	 	 	 	 	 	767	 	 	 	 
	6	 	 	 	 	 	797	 	 	 	 
	7	 	 	 	 	 	755	 	 	 	 
	8	 	 	 	 	 	786	 	 	 	 
	9	 	 	 	 	 	713	 	 	 	 
	10	 	 	 	 	 	778	 	 	 	 
	11	 	 	 	 	 	801	 	 	 	 
	12	 	 	 	 	 	748	 	 	 	 
	13	 	 	 	 	 	784	 	 	 	 
	14	 	 	 	 	 	734	723	 	3	 
	15	 	 	 	 	 	780	 	 	 	 
	16	 	 	 	 	 	773	 	 	 	 
	17	 	 	 	 	 	770	 	 	 	 
	18	 	 	 	 	 	807	 	 	 	 
	19	 	 	 	 	 	800	 	 	 	 
	20	 	 	 	 	 	774	 	 	 	 
	21	 	 	 	 	 	757	736	 	3	 
	22	 	 	 	 	 	762	 	 	 	 
	23	 	 	 	 	 	778	800	 	3	 
	24	 	 	 	 	 	793	799	 	2	 
	25	 	 	 	 	 	782	770	 	2	 
	26	 	 	 	 	 	773	775	 	2	 
	27	 	 	 	 	 	734	691	 	2	 
	28	 	 	 	 	 	812	787	 	2	 
	29	 	 	 	 	 	773	777	 	2	 
	30	 	 	 	 	 	751	732	 	2	 
	31	 	 	 	 	 	722	681	 	2	 
	32	 	 	 	 	 	712	716	 	2	 
	33	 	 	 	 	 	707	695	 	2	 
	34	 	 	 	 	 	809	781	 	2	 
	35	 	 	 	 	 	802	775	 	2	 
	36	 	 	 	 	 	801	794	 	2	 
	37	 	 	 	 	 	800	791	 	2	 
	38	 	 	 	 	 	799	774	 	2	 
	39	 	 	 	 	 	799	770	 	2	 
	40	 	 	 	 	 	796	795	 	2	 
	41	 	 	 	 	 	795	773	 	2	 
	42	 	 	 	 	 	793	753	 	2	 
	43	 	 	 	 	 	789	727	 	2	 
	44	 	 	 	 	 	788	771	 	2	 
	45	 	 	 	 	 	787	750	 	2	 
	46	 	 	 	 	 	785	784	 	2	 
	47	 	 	 	 	 	784	788	 	2	 
	48	 	 	 	 	 	780	758	 	2	 
	49	 	 	 	 	 	778	771	 	2	 
	50	 	 	 	 	 	777	779	 	2	 
	51	 	 	 	 	 	773	781	 	2	 
	52	 	 	 	 	 	773	717	 	2	 
	53	 	 	 	 	 	773	758	 	2	 
	54	 	 	 	 	 	771	773	 	2	 
	55	 	 	 	 	 	770	721	 	2	 
	56	 	 	 	 	 	767	762	 	2	 
	57	 	 	 	 	 	763	743	 	2	 
	58	 	 	 	 	 	761	699	 	2	 
	59	 	 	 	 	 	753	753	 	2	 
	60	 	 	 	 	 	750	702	 	2	 
	61	 	 	 	 	 	802	791	 	2	 
	62	 	 	 	 	 	735	767	 	2	 
	63	 	 	 	 	 	728	778	 	2	 
	64	 	 	 	 	 	724	709	 	2	 
	65	 	 	 	 	 	717	715	 	2	 
	66	 	 	 	 	 	708	739	 	2	 
	67	 	 	 	 	 	700	690	 	2	 
	68	 	 	 	 	 	697	690	 	2	 
	69	 	 	 	 	 	692	695	 	2	 
	70	 	 	 	 	 	684	688	 	2	 
	71	 	 	 	 	 	771	724	 	2	 
	72	 	 	 	 	 	820	825	 	2	 
	73	 	 	 	 	 	793	813	 	2	 
	74	 	 	 	 	 	808	771	 	2	 
	75	 	 	 	 	 	807	802	 	2	 
	76	 	 	 	 	 	805	777	 	2	 
	77	 	 	 	 	 	805	835	 	2	 
	78	 	 	 	 	 	804	791	 	2	 
	79	 	 	 	 	 	802	783	 	2	 
	80	 	 	 	 	 	801	807	 	2	 
	81	 	 	 	 	 	800	802	 	2	 
	82	 	 	 	 	 	800	782	 	2	 
	83	 	 	 	 	 	799	794	 	2	 
	84	 	 	 	 	 	798	800	 	2	 
	85	 	 	 	 	 	796	771	 	2	 
	86	 	 	 	 	 	794	777	 	2	 
	87	 	 	 	 	 	792	781	 	2	 
	88	 	 	 	 	 	791	760	 	2	 
	89	 	 	 	 	 	791	768	 	2	 
	90	 	 	 	 	 	791	797	 	2	 
	91	 	 	 	 	 	791	778	 	2	 
	92	 	 	 	 	 	788	776	 	2	 
	93	 	 	 	 	 	787	771	 	2	 
	94	 	 	 	 	 	787	775	 	2	 
	95	 	 	 	 	 	786	812	 	2	 
	96	 	 	 	 	 	785	771	 	2	 
	97	 	 	 	 	 	785	778	 	2	 
	98	 	 	 	 	 	784	783	 	2	 
	99	 	 	 	 	 	782	771	 	2	 
	100	 	 	 	 	 	782	781	 	2	 
	101	 	 	 	 	 	782	723	 	2	 
	102	 	 	 	 	 	781	801	 	2	 
	103	 	 	 	 	 	781	784	 	2	 
	104	 	 	 	 	 	781	787	 	2	 
	105	 	 	 	 	 	780	767	 	2	 
	106	 	 	 	 	 	780	778	 	2	 
	107	 	 	 	 	 	778	769	 	2	 
	108	 	 	 	 	 	777	783	 	2	 
	109	 	 	 	 	 	777	760	 	2	 
	110	 	 	 	 	 	775	769	 	2	 
	111	 	 	 	 	 	775	761	 	2	 
	112	 	 	 	 	 	774	765	 	2	 
	113	 	 	 	 	 	773	755	 	2	 
	114	 	 	 	 	 	773	755	 	2	 
	115	 	 	 	 	 	773	779	 	2	 
	116	 	 	 	 	 	770	732	 	2	 
	117	 	 	 	 	 	769	755	 	2	 
	118	 	 	 	 	 	768	776	 	2	 
	119	 	 	 	 	 	767	777	 	2	 
	120	 	 	 	 	 	764	769	 	2	 
	121	 	 	 	 	 	763	743	 	2	 
	122	 	 	 	 	 	763	772	 	2	 
	123	 	 	 	 	 	761	774	 	2	 
	124	 	 	 	 	 	761	780	 	2	 
	125	 	 	 	 	 	756	771	 	2	 
	126	 	 	 	 	 	754	764	 	2	 
	127	 	 	 	 	 	753	734	 	2	 
	128	 	 	 	 	 	751	755	 	2	 
	129	 	 	 	 	 	750	745	 	2	 
	130	 	 	 	 	 	748	779	 	2	 
	131	 	 	 	 	 	810	811	 	2	 
	132	 	 	 	 	 	745	739	 	2	 
	133	 	 	 	 	 	744	764	 	2	 
	134	 	 	 	 	 	742	690	 	2	 
	135	 	 	 	 	 	738	759	 	2	 
	136	 	 	 	 	 	737	745	 	2	 
	137	 	 	 	 	 	736	733	 	2	 
	138	 	 	 	 	 	736	748	 	2	 
	139	 	 	 	 	 	732	702	 	2	 
	140	 	 	 	 	 	727	680	 	2	 
	141	 	 	 	 	 	727	825	 	2	 
	142	 	 	 	 	 	724	724	 	2	 
	143	 	 	 	 	 	720	707	 	2	 
	144	 	 	 	 	 	718	718	 	2	 
	145	 	 	 	 	 	716	745	 	2	 
	146	 	 	 	 	 	715	654	 	2	 
	147	 	 	 	 	 	704	696	 	2	 
	148	 	 	 	 	 	701	695	 	2	 
	149	 	 	 	 	 	707	745	 	2	 
	150	 	 	 	 	 	694	690	 	2	 
	151	 	 	 	 	 	690	668	 	2	 
	152	 	 	 	 	 	684	778	 	2	 
	153	 	 	 	 	 	677	668	 	2	 
	154	 	 	 	 	 	675	692	 	2	 
	155	 	 	 	 	 	670	708	 	2	 
	156	 	 	 	 	 	800	786	 	2	 
	157	 	 	 	 	 	796	765	 	2	 
	158	 	 	 	 	 	787	768	 	2	 
	159	 	 	 	 	 	777	776	 	2	 
	160	 	 	 	 	 	788	753	 	2	 
	161	 	 	 	 	 	797	686	 	2	 
	162	 	 	 	 	 	786	663	 	2	 
	163	 	 	 	 	 	771	767	 	2	 
	164	 	 	 	 	 	786	788	 	2	 
	165	 	 	 	 	 	762	759	 	2	 
	166	 	 	 	 	 	791	779	 	2	 
	167	 	 	 	 	 	809	778	 	2	 
	168	 	 	 	 	 	755	737	 	2	 
	169	 	 	 	 	 	823	801	 	2	 
	170	 	 	 	 	 	790	758	 	2	 
	171	 	 	 	 	 	768	754	 	2	 
	172	 	 	 	 	 	781	767	 	2	 
	173	 	 	 	 	 	745	703	 	2	 
	174	 	 	 	 	 	798	794	 	2	 
	175	 	 	 	 	 	772	793	 	2	 
	176	 	 	 	 	 	768	708	 	2	 
	177	 	 	 	 	 	779	725	 	2	 
	178	 	 	 	 	 	799	819	 	2	 
	179	 	 	 	 	 	763	747	 	2	 
	180	 	 	 	 	 	704	691	 	2	 
	181	 	 	 	 	 	732	704	 	2	 
	182	 	 	 	 	 	699	694	 	2	 
	183	 	 	 	 	 	795	798	 	2	 
	184	 	 	 	 	 	801	799	 	2	 
	185	 	 	 	 	 	759	754	 	2	 
	186	 	 	 	 	 	673	760	 	2	 
	187	 	 	 	 	 	761	760	 	2	 
	188	 	 	 	 	 	777	774	 	2	 
	189	 	 	 	 	 	778	786	 	2	 
	190	 	 	 	 	 	793	794	 	2	 
	191	 	 	 	 	 	773	762	 	2	 
	192	 	 	 	 	 	778	800	 	3	 
	193	 	 	 	 	 	790	778	 	3	 
	194	 	 	 	 	 	738	729	 	3	 
	195	 	 	 	 	 	771	722	 	3	 
	196	 	 	 	 	 	791	682	 	3	 
	197	 	 	 	 	 	745	739	 	3	 
	198	 	 	 	 	 	781	792	 	3	 
	199	 	 	 	 	 	767	790	 	3	 
	200	 	 	 	 	 	788	706	 	3	 
	201	 	 	 	 	 	809	 	 	 	 
	202	 	 	 	 	 	798	770	 	3	 
	203	 	 	 	 	 	807	790	 	3	 
	204	 	 	 	 	 	762	766	 	3	 
	205	 	 	 	 	 	789	765	 	3	 
	206	 	 	 	 	 	800	698	 	3	 
	207	 	 	 	 	 	778	771	 	3	 
	208	 	 	 	 	 	788	768	 	3	 
	209	 	 	 	 	 	741	751	 	3	 
	210	 	 	 	 	 	701	666	 	3	 
	211	 	 	 	 	 	742	803	 	3	 
	212	 	 	 	 	 	788	785	 	3	 
	213	 	 	 	 	 	793	791	 	3	 
	214	 	 	 	 	 	759	774	 	3	 
	215	 	 	 	 	 	808	786	 	3	 
	216	 	 	 	 	 	755	697	 	3	 
	217	 	 	 	 	 	779	791	 	3	 
	218	 	 	 	 	 	781	775	 	3	 
	219	 	 	 	 	 	720	699	 	3	 
	220	 	 	 	 	 	778	 	 	 	 
	221	 	 	 	 	 	801	 	 	 	 
	222	 	 	 	 	 	793	 	 	 	 
	223	 	 	 	 	 	749	 	 	 	 
	224	 	 	 	 	 	789	 	 	 	 
	225	 	 	 	 	 	753	 	 	 	 
	226	 	 	 	 	 	743	 	 	 	 
	227	 	 	 	 	 	758	 	 	 	 
	228	 	 	 	 	 	811	 	 	 	 
	229	 	 	 	 	 	788	 	 	 	 
	230	 	 	 	 	 	802	 	 	 	 
	231	 	 	 	 	 	773	 	 	 	 
	232	 	 	 	 	 	794	 	 	 	 
	233	 	 	 	 	 	758	 	 	 	 
	234	 	 	 	 	 	787	 	 	 	 
	235	 	 	 	 	 	758	762	 	3	 
	236	 	 	 	 	 	736	 	 	 	 
	237	 	 	 	 	 	783	 	 	 	 
	238	 	 	 	 	 	720	 	 	 	 
	239	 	 	 	 	 	804	 	 	 	 
	240	 	 	 	 	 	795	 	 	 	 
	241	 	 	 	 	 	782	 	 	 	 
	242	 	 	 	 	 	753	 	 	 	 
	243	 	 	 	 	 	807	 	 	 	 
	244	 	 	 	 	 	745	 	 	 	 
	245	 	 	 	 	 	789	 	 	 	 
	246	 	 	 	 	 	766	 	 	 	 
	247	 	 	 	 	 	790	 	 	 	 
	248	 	 	 	 	 	786	 	 	 	 
	249	 	 	 	 	 	789	 	 	 	 
	250	 	 	 	 	 	793	 	 	 	 
	251	 	 	 	 	 	733	 	 	 	 
	252	 	 	 	 	 	730	 	 	 	 
	253	 	 	 	 	 	760	 	 	 	 
	254	 	 	 	 	 	746	 	 	 	 
	255	 	 	 	 	 	728	 	 	 	 
	256	 	 	 	 	 	787	 	 	 	 
	257	 	 	 	 	 	796	 	 	 	 
	258	 	 	 	 	 	791	 	 	 	 
	259	 	 	 	 	 	770	 	 	 	 
	260	 	 	 	 	 	790	 	 	 	 
	261	 	 	 	 	 	762	 	 	 	 
	262	 	 	 	 	 	800	 	 	 	 
	263	 	 	 	 	 	732	 	 	 	 
	264	 	 	 	 	 	720	 	 	 	 
	265	 	 	 	 	 	761	 	 	 	 
	266	 	 	 	 	 	792	 	 	 	 
	267	 	 	 	 	 	773	 	 	 	 
	268	 	 	 	 	 	794	 	 	 	 
	269	 	 	 	 	 	769	 	 	 	 
	270	 	 	 	 	 	761	 	 	 	 
	271	 	 	 	 	 	781	 	 	 	 
	272	 	 	 	 	 	754	 	 	 	 
	273	 	 	 	 	 	805	 	 	 	 
	274	 	 	 	 	 	783	 	 	 	 
	275	 	 	 	 	 	774	 	 	 	 
	276	 	 	 	 	 	799	 	 	 	 
	277	 	 	 	 	 	764	 	 	 	 
	278	 	 	 	 	 	745	 	 	 	 
	279	 	 	 	 	 	702	695	 	3	 
	280	 	 	 	 	 	785	 	 	 	 
	281	 	 	 	 	 	723	 	 	 	 
	282	 	 	 	 	 	760	 	 	 	 
	283	 	 	 	 	 	784	 	 	 	 
	284	 	 	 	 	 	789	 	 	 	 
	285	 	 	 	 	 	791	 	 	 	 
	286	 	 	 	 	 	776	 	 	 	 
	287	 	 	 	 	 	764	 	 	 	 
	288	 	 	 	 	 	783	 	 	 	 
	289	 	 	 	 	 	814	 	 	 	 
	290	 	 	 	 	 	775	 	 	 	 
	291	 	 	 	 	 	793	 	 	 	 
	292	 	 	 	 	 	793	 	 	 	 
	293	 	 	 	 	 	761	 	 	 	 
	294	 	 	 	 	 	790	 	 	 	 
	295	 	 	 	 	 	781	 	 	 	 
	296	 	 	 	 	 	748	 	 	 	 
	297	 	 	 	 	 	728	 	 	 	 
	298	 	 	 	 	 	763	 	 	 	 
	299	 	 	 	 	 	726	 	 	 	 
	300	 	 	 	 	 	790	 	 	 	 
	301	 	 	 	 	 	797	 	 	 	 
	302	 	 	 	 	 	798	 	 	 	 
	303	 	 	 	 	 	759	 	 	 	 
	304	 	 	 	 	 	732	 	 	 	 
	305	 	 	 	 	 	775	 	 	 	 
	306	 	 	 	 	 	794	 	 	 	 
	307	 	 	 	 	 	783	 	 	 	 
	308	 	 	 	 	 	742	 	 	 	 
	309	 	 	 	 	 	790	 	 	 	 
	310	 	 	 	 	 	788	 	 	 	 
	311	 	 	 	 	 	779	 	 	 	 
	312	 	 	 	 	 	736	 	 	 	 
	313	 	 	 	 	 	776	 	 	 	 
	314	 	 	 	 	 	786	 	 	 	 
	315	 	 	 	 	 	787	 	 	 	 
	316	 	 	 	 	 	774	 	 	 	 
	317	 	 	 	 	 	758	 	 	 	 
	318	 	 	 	 	 	761	 	 	 	 
	319	 	 	 	 	 	773	 	 	 	 
	320	 	 	 	 	 	726	 	 	 	 
	321	 	 	 	 	 	760	 	 	 	 
	322	 	 	 	 	 	802	 	 	 	 
	323	 	 	 	 	 	778	 	 	 	 
	324	 	 	 	 	 	811	 	 	 	 
	325	 	 	 	 	 	781	 	 	 	 
	326	 	 	 	 	 	774	 	 	 	 
	327	 	 	 	 	 	792	 	 	 	 
	328	 	 	 	 	 	791	 	 	 	 
	329	 	 	 	 	 	757	 	 	 	 
	330	 	 	 	 	 	773	 	 	 	 
	331	 	 	 	 	 	737	 	 	 	 
	332	 	 	 	 	 	797	 	 	 	 
	333	 	 	 	 	 	794	 	 	 	 
	334	 	 	 	 	 	803	 	 	 	 
	335	 	 	 	 	 	798	 	 	 	 
	336	 	 	 	 	 	790	 	 	 	 
	337	 	 	 	 	 	731	 	 	 	 
	338	 	 	 	 	 	759	 	 	 	 
	339	 	 	 	 	 	734	 	 	 	 
	340	 	 	 	 	 	740	 	 	 	 
	341	 	 	 	 	 	782	 	 	 	 
	342	 	 	 	 	 	793	 	 	 	 
	343	 	 	 	 	 	764	 	 	 	 
	344	 	 	 	 	 	735	 	 	 	 
	345	 	 	 	 	 	765	 	 	 	 
	346	 	 	 	 	 	779	 	 	 	 
	347	 	 	 	 	 	798	 	 	 	 
	348	 	 	 	 	 	766	 	 	 	 
	349	 	 	 	 	 	742	 	 	 	 
	350	 	 	 	 	 	782	 	 	 	 
	351	 	 	 	 	 	806	 	 	 	 
	352	 	 	 	 	 	797	 	 	 	 
	353	 	 	 	 	 	774	 	 	 	 
	354	 	 	 	 	 	783	 	 	 	 
	355	 	 	 	 	 	782	 	 	 	 
	356	 	 	 	 	 	766	 	 	 	 
	357	 	 	 	 	 	784	 	 	 	 
	358	 	 	 	 	 	764	 	 	 	 
	359	 	 	 	 	 	766	 	 	 	 
	360	 	 	 	 	 	754	 	 	 	 
	361	 	 	 	 	 	792	 	 	 	 
	362	 	 	 	 	 	808	 	 	 	 
	363	 	 	 	 	 	780	 	 	 	 
	364	 	 	 	 	 	769	 	 	 	 
	365	 	 	 	 	 	809	 	 	 	 
	366	 	 	 	 	 	752	 	 	 	 
	367	 	 	 	 	 	796	 	 	 	 
	368	 	 	 	 	 	739	 	 	 	 
	369	 	 	 	 	 	783	 	 	 	 
	370	 	 	 	 	 	759	 	 	 	 
	371	 	 	 	 	 	804	 	 	 	 
	372	 	 	 	 	 	796	 	 	 	 
	373	 	 	 	 	 	751	 	 	 	 
	374	 	 	 	 	 	761	 	 	 	 
	375	 	 	 	 	 	776	 	 	 	 
	376	 	 	 	 	 	799	 	 	 	 
	377	 	 	 	 	 	760	 	 	 	 
	378	 	 	 	 	 	760	 	 	 	 
	379	 	 	 	 	 	728	 	 	 	 
	380	 	 	 	 	 	761	 	 	 	 
	381	 	 	 	 	 	775	 	 	 	 
	382	 	 	 	 	 	795	 	 	 	 
	383	 	 	 	 	 	754	 	 	 	 
	384	 	 	 	 	 	778	 	 	 	 
	385	 	 	 	 	 	763	 	 	 	 
	386	 	 	 	 	 	798	 	 	 	 
	387	 	 	 	 	 	802	 	 	 	 
	388	 	 	 	 	 	768	 	 	 	 
	389	 	 	 	 	 	799	 	 	 	 
	390	 	 	 	 	 	776	 	 	 	 
	391	 	 	 	 	 	803	 	 	 	 
	392	 	 	 	 	 	783	 	 	 	 
	393	 	 	 	 	 	782	 	 	 	 
	394	 	 	 	 	 	789	 	 	 	 
	395	 	 	 	 	 	786	 	 	 	 
	396	 	 	 	 	 	759	 	 	 	 
	397	 	 	 	 	 	791	 	 	 	 
	398	 	 	 	 	 	797	 	 	 	 
	399	 	 	 	 	 	749	 	 	 	 
	400	 	 	 	 	 	789	 	 	 	 
	401	 	 	 	 	 	815	 	 	 	 
	402	 	 	 	 	 	762	 	 	 	 
	403	 	 	 	 	 	790	 	 	 	 
	404	 	 	 	 	 	723	 	 	 	 
	405	 	 	 	 	 	765	 	 	 	 
	406	 	 	 	 	 	802	 	 	 	 
	407	 	 	 	 	 	764	 	 	 	 
	408	 	 	 	 	 	767	 	 	 	 
	409	 	 	 	 	 	799	 	 	 	 
	410	 	 	 	 	 	786	 	 	 	 
	411	 	 	 	 	 	789	 	 	 	 
	412	 	 	 	 	 	809	 	 	 	 
	413	 	 	 	 	 	752	 	 	 	 
	414	 	 	 	 	 	787	 	 	 	 
	415	 	 	 	 	 	804	 	 	 	 
	416	 	 	 	 	 	770	 	 	 	 
	417	 	 	 	 	 	724	 	 	 	 
	418	 	 	 	 	 	790	 	 	 	 
	419	 	 	 	 	 	800	 	 	 	 
	420	 	 	 	 	 	723	 	 	 	 
	421	 	 	 	 	 	734	 	 	 	 
	422	 	 	 	 	 	779	 	 	 	 
	423	 	 	 	 	 	779	 	 	 	 
	424	 	 	 	 	 	780	 	 	 	 
	425	 	 	 	 	 	722	 	 	 	 
	426	 	 	 	 	 	755	 	 	 	 
	427	 	 	 	 	 	737	 	 	 	 
	428	 	 	 	 	 	797	 	 	 	 
	429	 	 	 	 	 	788	 	 	 	 
	430	 	 	 	 	 	781	 	 	 	 
	431	 	 	 	 	 	791	 	 	 	 
	432	 	 	 	 	 	780	 	 	 	 
	433	 	 	 	 	 	697	 	 	 	 
	434	 	 	 	 	 	738	 	 	 	 
	435	 	 	 	 	 	736	 	 	 	 
	436	 	 	 	 	 	768	 	 	 	 
	437	 	 	 	 	 	784	 	 	 	 
	438	 	 	 	 	 	778	 	 	 	 
	439	 	 	 	 	 	778	 	 	 	 
	440	 	 	 	 	 	781	 	 	 	 
	441	 	 	 	 	 	798	 	 	 	 
	442	 	 	 	 	 	726	 	 	 	 
	443	 	 	 	 	 	748	 	 	 	 
	444	 	 	 	 	 	747	 	 	 	 
	445	 	 	 	 	 	774	 	 	 	 
	446	 	 	 	 	 	767	 	 	 	 
	447	 	 	 	 	 	762	 	 	 	 
	448	 	 	 	 	 	812	 	 	 	 
	449	 	 	 	 	 	816	 	 	 	 
	450	 	 	 	 	 	808	779	 	2	 
	451	 	 	 	 	 	795	771	 	2	 
	452	 	 	 	 	 	772	761	 	2	 
	453	 	 	 	 	 	763	777	 	2	 
	454	 	 	 	 	 	761	748	 	2	 
	455	 	 	 	 	 	781	766	 	2	 
	456	 	 	 	 	 	764	761	 	2	 
	457	 	 	 	 	 	732	711	 	2	 
	458	 	 	 	 	 	807	690	 	2	 
	459	 	 	 	 	 	734	671	 	2	 
	460	 	 	 	 	 	777	766	 	2	 
	461	 	 	 	 	 	785	759	 	2	 
	462	 	 	 	 	 	796	797	 	2	 
	463	 	 	 	 	 	689	703	 	2	 
	464	 	 	 	 	 	813	782	 	2	 
	465	 	 	 	 	 	798	794	 	2	 
	466	 	 	 	 	 	798	768	 	2	 
	467	 	 	 	 	 	738	783	 	2	 
	468	 	 	 	 	 	766	746	 	2	 
	469	 	 	 	 	 	798	783	 	2	 
	470	 	 	 	 	 	792	754	 	2	 
	471	 	 	 	 	 	745	 	 	 	 
	472	 	 	 	 	 	784	789	 	2	 
	473	 	 	 	 	 	677	690	 	2	 
	474	 	 	 	 	 	727	652	 	2	 
	475	 	 	 	 	 	743	743	 	2	 
	476	 	 	 	 	 	784	750	 	2	 
	477	 	 	 	 	 	774	 	 	 	 
	478	 	 	 	 	 	794	716	 	2	 
	479	 	 	 	 	 	762	754	 	2	 
	480	 	 	 	 	 	792	766	 	2	 
	481	 	 	 	 	 	788	758	 	2	 
	482	 	 	 	 	 	778	773	 	2	 
	483	 	 	 	 	 	798	784	 	3	 
	484	 	 	 	 	 	786	787	 	3	 
	485	 	 	 	 	 	794	785	 	3	 
	486	 	 	 	 	 	802	787	 	3	 
	487	 	 	 	 	 	798	801	 	3	 
	488	 	 	 	 	 	811	790	 	3	 
	489	 	 	 	 	 	792	779	 	3	 
	490	 	 	 	 	 	809	765	 	3	 
	491	 	 	 	 	 	667	698	 	3	 
	492	 	 	 	 	 	781	778	 	3	 
	493	 	 	 	 	 	753	769	 	3	 
	494	 	 	 	 	 	748	764	 	3	 
	495	 	 	 	 	 	768	718	 	3	 
	496	 	 	 	 	 	787	788	 	3	 
	497	 	 	 	 	 	757	750	 	3	 
	498	 	 	 	 	 	783	760	 	3	 
	499	 	 	 	 	 	790	753	 	3	 
	500	 	 	 	 	 	743	771	 	3	 
	501	 	 	 	 	 	782	757	 	3	 
	502	 	 	 	 	 	756	707	 	3	 
	503	 	 	 	 	 	801	806	 	3	 
	504	 	 	 	 	 	719	716	 	3	 
	505	 	 	 	 	 	779	793	 	3	 
	506	 	 	 	 	 	802	773	 	3	 
	507	 	 	 	 	 	748	793	 	3	 
	508	 	 	 	 	 	781	778	 	3	 
	509	 	 	 	 	 	787	794	 	3	 
	510	 	 	 	 	 	735	729	 	3	 
	511	 	 	 	 	 	735	731	 	3	 

 

	 	91	92	93	94	95	96	97	98	99	100
	 	
        VantageScore: Co-

        Borrower
	
        Most Recent

        VantageScore

        Method
	VantageScore Date	
        Credit Report:

        Longest Trade Line
	
        Credit Report:

        Maximum Trade

        Line
	
        Credit Report:

        Number of Trade

        Lines
	
        Credit Line Usage

        Ratio
	
        Most Recent 12-

        month Pay History
	Months Bankruptcy	Months Foreclosure
	1	 	 	 	 	 	 	 	000000000000	 	 
	2	 	 	 	 	 	 	 	000000000000	 	 
	3	 	 	 	 	 	 	 	000000000000	 	 
	4	 	 	 	 	 	 	 	000000000000	 	 
	5	 	 	 	 	 	 	 	000000000000	 	 
	6	 	 	 	 	 	 	 	000000000000	 	 
	7	 	 	 	 	 	 	 	000000000000	 	 
	8	 	 	 	 	 	 	 	000000000000	 	 
	9	 	 	 	 	 	 	 	000000000000	 	 
	10	 	 	 	 	 	 	 	000000000000	 	 
	11	 	 	 	 	 	 	 	000000000000	 	 
	12	 	 	 	 	 	 	 	000000000000	 	 
	13	 	 	 	 	 	 	 	000000000000	 	 
	14	 	 	 	 	 	 	 	000000000000	 	 
	15	 	 	 	 	 	 	 	000000000000	 	 
	16	 	 	 	 	 	 	 	000000000000	 	 
	17	 	 	 	 	 	 	 	000000000000	 	 
	18	 	 	 	 	 	 	 	000000000000	 	 
	19	 	 	 	 	 	 	 	000000000000	 	 
	20	 	 	 	 	 	 	 	000000000000	 	 
	21	 	 	 	 	 	 	 	000000000000	 	 
	22	 	 	 	 	 	 	 	000000000000	 	 
	23	 	 	 	 	 	 	 	000000000000	 	 
	24	 	 	 	 	 	 	 	000000000000	 	 
	25	 	 	 	 	 	 	 	000000000000	 	 
	26	 	 	 	 	 	 	 	000000000000	 	 
	27	 	 	 	 	 	 	 	000000000000	 	 
	28	 	 	 	 	 	 	 	000000000000	 	 
	29	 	 	 	 	 	 	 	000000000000	 	 
	30	 	 	 	 	 	 	 	000000000000	 	 
	31	 	 	 	 	 	 	 	000000000000	 	 
	32	 	 	 	 	 	 	 	000000000000	 	 
	33	 	 	 	 	 	 	 	000000000000	 	 
	34	 	 	 	 	 	 	 	000000000000	 	 
	35	 	 	 	 	 	 	 	000000000000	 	 
	36	 	 	 	 	 	 	 	000000000000	 	 
	37	 	 	 	 	 	 	 	000000000000	 	 
	38	 	 	 	 	 	 	 	000000000000	 	 
	39	 	 	 	 	 	 	 	000000000000	 	 
	40	 	 	 	 	 	 	 	000000000000	 	 
	41	 	 	 	 	 	 	 	000000000000	 	 
	42	 	 	 	 	 	 	 	000000000000	 	 
	43	 	 	 	 	 	 	 	000000000000	 	 
	44	 	 	 	 	 	 	 	000000000000	 	 
	45	 	 	 	 	 	 	 	000000000000	 	 
	46	 	 	 	 	 	 	 	000000000000	 	 
	47	 	 	 	 	 	 	 	000000000000	 	 
	48	 	 	 	 	 	 	 	000000000000	 	 
	49	 	 	 	 	 	 	 	000000000000	 	 
	50	 	 	 	 	 	 	 	000000000000	 	 
	51	 	 	 	 	 	 	 	000000000000	 	 
	52	 	 	 	 	 	 	 	000000000000	 	 
	53	 	 	 	 	 	 	 	000000000000	 	 
	54	 	 	 	 	 	 	 	000000000000	 	 
	55	 	 	 	 	 	 	 	000000000000	 	 
	56	 	 	 	 	 	 	 	000000000000	 	 
	57	 	 	 	 	 	 	 	000000000000	 	 
	58	 	 	 	 	 	 	 	000000000000	 	 
	59	 	 	 	 	 	 	 	000000000000	 	 
	60	 	 	 	 	 	 	 	000000000000	 	 
	61	 	 	 	 	 	 	 	000000000000	 	 
	62	 	 	 	 	 	 	 	000000000000	 	 
	63	 	 	 	 	 	 	 	000000000000	 	 
	64	 	 	 	 	 	 	 	000000000000	 	 
	65	 	 	 	 	 	 	 	000000000000	 	 
	66	 	 	 	 	 	 	 	000000000000	 	 
	67	 	 	 	 	 	 	 	000000000000	 	 
	68	 	 	 	 	 	 	 	000000000000	 	 
	69	 	 	 	 	 	 	 	000000000000	 	 
	70	 	 	 	 	 	 	 	000000000000	 	 
	71	 	 	 	 	 	 	 	000000000000	 	 
	72	 	 	 	 	 	 	 	000000000000	 	 
	73	 	 	 	 	 	 	 	000000000000	 	 
	74	 	 	 	 	 	 	 	000000000000	 	 
	75	 	 	 	 	 	 	 	000000000000	 	 
	76	 	 	 	 	 	 	 	000000000000	 	 
	77	 	 	 	 	 	 	 	000000000000	 	 
	78	 	 	 	 	 	 	 	000000000000	 	 
	79	 	 	 	 	 	 	 	000000000000	 	 
	80	 	 	 	 	 	 	 	000000000000	 	 
	81	 	 	 	 	 	 	 	000000000000	 	 
	82	 	 	 	 	 	 	 	000000000000	 	 
	83	 	 	 	 	 	 	 	000000000000	 	 
	84	 	 	 	 	 	 	 	000000000000	 	 
	85	 	 	 	 	 	 	 	000000000000	 	 
	86	 	 	 	 	 	 	 	000000000000	 	 
	87	 	 	 	 	 	 	 	000000000000	 	 
	88	 	 	 	 	 	 	 	000000000000	 	 
	89	 	 	 	 	 	 	 	000000000000	 	 
	90	 	 	 	 	 	 	 	000000000000	 	 
	91	 	 	 	 	 	 	 	000000000000	 	 
	92	 	 	 	 	 	 	 	000000000000	 	 
	93	 	 	 	 	 	 	 	000000000000	 	 
	94	 	 	 	 	 	 	 	000000000000	 	 
	95	 	 	 	 	 	 	 	000000000000	 	 
	96	 	 	 	 	 	 	 	000000000000	 	 
	97	 	 	 	 	 	 	 	000000000000	 	 
	98	 	 	 	 	 	 	 	000000000000	 	 
	99	 	 	 	 	 	 	 	000000000000	 	 
	100	 	 	 	 	 	 	 	000000000000	 	 
	101	 	 	 	 	 	 	 	000000000000	 	 
	102	 	 	 	 	 	 	 	000000000000	 	 
	103	 	 	 	 	 	 	 	000000000000	 	 
	104	 	 	 	 	 	 	 	000000000000	 	 
	105	 	 	 	 	 	 	 	000000000000	 	 
	106	 	 	 	 	 	 	 	000000000000	 	 
	107	 	 	 	 	 	 	 	000000000000	 	 
	108	 	 	 	 	 	 	 	000000000000	 	 
	109	 	 	 	 	 	 	 	000000000000	 	 
	110	 	 	 	 	 	 	 	000000000000	 	 
	111	 	 	 	 	 	 	 	000000000000	 	 
	112	 	 	 	 	 	 	 	000000000000	 	 
	113	 	 	 	 	 	 	 	000000000000	 	 
	114	 	 	 	 	 	 	 	000000000000	 	 
	115	 	 	 	 	 	 	 	000000000000	 	 
	116	 	 	 	 	 	 	 	000000000000	 	 
	117	 	 	 	 	 	 	 	000000000000	 	 
	118	 	 	 	 	 	 	 	000000000000	 	 
	119	 	 	 	 	 	 	 	000000000000	 	 
	120	 	 	 	 	 	 	 	000000000000	 	 
	121	 	 	 	 	 	 	 	000000000000	 	 
	122	 	 	 	 	 	 	 	000000000000	 	 
	123	 	 	 	 	 	 	 	000000000000	 	 
	124	 	 	 	 	 	 	 	000000000000	 	 
	125	 	 	 	 	 	 	 	000000000000	 	 
	126	 	 	 	 	 	 	 	000000000000	 	 
	127	 	 	 	 	 	 	 	000000000000	 	 
	128	 	 	 	 	 	 	 	000000000000	 	 
	129	 	 	 	 	 	 	 	000000000000	 	 
	130	 	 	 	 	 	 	 	000000000000	 	 
	131	 	 	 	 	 	 	 	000000000000	 	 
	132	 	 	 	 	 	 	 	000000000000	 	 
	133	 	 	 	 	 	 	 	000000000000	 	 
	134	 	 	 	 	 	 	 	000000000000	 	 
	135	 	 	 	 	 	 	 	000000000000	 	 
	136	 	 	 	 	 	 	 	000000000000	 	 
	137	 	 	 	 	 	 	 	000000000000	 	 
	138	 	 	 	 	 	 	 	000000000000	 	 
	139	 	 	 	 	 	 	 	000000000000	 	 
	140	 	 	 	 	 	 	 	000000000000	 	 
	141	 	 	 	 	 	 	 	000000000000	 	 
	142	 	 	 	 	 	 	 	000000000000	 	 
	143	 	 	 	 	 	 	 	000000000000	 	 
	144	 	 	 	 	 	 	 	000000000000	 	 
	145	 	 	 	 	 	 	 	000000000000	 	 
	146	 	 	 	 	 	 	 	000000000000	 	 
	147	 	 	 	 	 	 	 	000000000000	 	 
	148	 	 	 	 	 	 	 	000000000000	 	 
	149	 	 	 	 	 	 	 	000000000000	 	 
	150	 	 	 	 	 	 	 	000000000000	 	 
	151	 	 	 	 	 	 	 	000000000000	 	 
	152	 	 	 	 	 	 	 	000000000000	 	 
	153	 	 	 	 	 	 	 	000000000000	 	 
	154	 	 	 	 	 	 	 	000000000000	 	 
	155	 	 	 	 	 	 	 	000000000000	 	 
	156	 	 	 	 	 	 	 	000000000000	 	 
	157	 	 	 	 	 	 	 	000000000000	 	 
	158	 	 	 	 	 	 	 	000000000000	 	 
	159	 	 	 	 	 	 	 	000000000000	 	 
	160	 	 	 	 	 	 	 	000000000000	 	 
	161	 	 	 	 	 	 	 	000000000000	 	 
	162	 	 	 	 	 	 	 	000000000000	 	 
	163	 	 	 	 	 	 	 	000000000000	 	 
	164	 	 	 	 	 	 	 	000000000000	 	 
	165	 	 	 	 	 	 	 	000000000000	 	 
	166	 	 	 	 	 	 	 	000000000000	 	 
	167	 	 	 	 	 	 	 	000000000000	 	 
	168	 	 	 	 	 	 	 	000000000000	 	 
	169	 	 	 	 	 	 	 	000000000000	 	 
	170	 	 	 	 	 	 	 	000000000000	 	 
	171	 	 	 	 	 	 	 	000000000000	 	 
	172	 	 	 	 	 	 	 	000000000000	 	 
	173	 	 	 	 	 	 	 	000000000000	 	 
	174	 	 	 	 	 	 	 	000000000000	 	 
	175	 	 	 	 	 	 	 	000000000000	 	 
	176	 	 	 	 	 	 	 	000000000000	 	 
	177	 	 	 	 	 	 	 	000000000000	 	 
	178	 	 	 	 	 	 	 	000000000000	 	 
	179	 	 	 	 	 	 	 	000000000000	 	 
	180	 	 	 	 	 	 	 	000000000000	 	 
	181	 	 	 	 	 	 	 	000000000000	 	 
	182	 	 	 	 	 	 	 	000000000000	 	 
	183	 	 	 	 	 	 	 	000000000000	 	 
	184	 	 	 	 	 	 	 	000000000000	 	 
	185	 	 	 	 	 	 	 	000000000000	 	 
	186	 	 	 	 	 	 	 	000000000000	 	 
	187	 	 	 	 	 	 	 	000000000000	 	 
	188	 	 	 	 	 	 	 	000000000000	 	 
	189	 	 	 	 	 	 	 	000000000000	 	 
	190	 	 	 	 	 	 	 	000000000000	 	 
	191	 	 	 	 	 	 	 	000000000000	 	 
	192	 	 	 	 	 	 	 	000000000000	 	 
	193	 	 	 	 	 	 	 	000000000000	 	 
	194	 	 	 	 	 	 	 	000000000000	 	 
	195	 	 	 	 	 	 	 	000000000000	 	 
	196	 	 	 	 	 	 	 	000000000000	 	 
	197	 	 	 	 	 	 	 	000000000000	 	 
	198	 	 	 	 	 	 	 	000000000000	 	 
	199	 	 	 	 	 	 	 	000000000000	 	 
	200	 	 	 	 	 	 	 	000000000000	 	 
	201	 	 	 	 	 	 	 	000000000000	 	 
	202	 	 	 	 	 	 	 	000000000000	 	 
	203	 	 	 	 	 	 	 	000000000000	 	 
	204	 	 	 	 	 	 	 	000000000000	 	 
	205	 	 	 	 	 	 	 	000000000000	 	 
	206	 	 	 	 	 	 	 	000000000000	 	 
	207	 	 	 	 	 	 	 	000000000000	 	 
	208	 	 	 	 	 	 	 	000000000000	 	 
	209	 	 	 	 	 	 	 	000000000000	 	 
	210	 	 	 	 	 	 	 	000000000000	 	 
	211	 	 	 	 	 	 	 	000000000000	 	 
	212	 	 	 	 	 	 	 	000000000000	 	 
	213	 	 	 	 	 	 	 	000000000000	 	 
	214	 	 	 	 	 	 	 	000000000000	 	 
	215	 	 	 	 	 	 	 	000000000000	 	 
	216	 	 	 	 	 	 	 	000000000000	 	 
	217	 	 	 	 	 	 	 	000000000000	 	 
	218	 	 	 	 	 	 	 	000000000000	 	 
	219	 	 	 	 	 	 	 	000000000000	 	 
	220	 	 	 	 	 	 	 	000000000000	 	 
	221	 	 	 	 	 	 	 	000000000000	 	 
	222	 	 	 	 	 	 	 	000000000000	 	 
	223	 	 	 	 	 	 	 	000000000000	 	 
	224	 	 	 	 	 	 	 	000000000000	 	 
	225	 	 	 	 	 	 	 	000000000000	 	 
	226	 	 	 	 	 	 	 	000000000000	 	 
	227	 	 	 	 	 	 	 	000000000000	 	 
	228	 	 	 	 	 	 	 	000000000000	 	 
	229	 	 	 	 	 	 	 	000000000000	 	 
	230	 	 	 	 	 	 	 	000000000000	 	 
	231	 	 	 	 	 	 	 	000000000000	 	 
	232	 	 	 	 	 	 	 	000000000000	 	 
	233	 	 	 	 	 	 	 	000000000000	 	 
	234	 	 	 	 	 	 	 	000000000000	 	 
	235	 	 	 	 	 	 	 	000000000000	 	 
	236	 	 	 	 	 	 	 	000000000000	 	 
	237	 	 	 	 	 	 	 	000000000000	 	 
	238	 	 	 	 	 	 	 	000000000000	 	 
	239	 	 	 	 	 	 	 	000000000000	 	 
	240	 	 	 	 	 	 	 	000000000000	 	 
	241	 	 	 	 	 	 	 	000000000000	 	 
	242	 	 	 	 	 	 	 	000000000000	 	 
	243	 	 	 	 	 	 	 	000000000000	 	 
	244	 	 	 	 	 	 	 	000000000000	 	 
	245	 	 	 	 	 	 	 	000000000000	 	 
	246	 	 	 	 	 	 	 	000000000000	 	 
	247	 	 	 	 	 	 	 	000000000000	 	 
	248	 	 	 	 	 	 	 	000000000000	 	 
	249	 	 	 	 	 	 	 	000000000000	 	 
	250	 	 	 	 	 	 	 	000000000000	 	 
	251	 	 	 	 	 	 	 	000000000000	 	 
	252	 	 	 	 	 	 	 	000000000000	 	 
	253	 	 	 	 	 	 	 	000000000000	 	 
	254	 	 	 	 	 	 	 	000000000000	 	 
	255	 	 	 	 	 	 	 	000000000000	 	 
	256	 	 	 	 	 	 	 	000000000000	 	 
	257	 	 	 	 	 	 	 	000000000000	 	 
	258	 	 	 	 	 	 	 	000000000000	 	 
	259	 	 	 	 	 	 	 	000000000000	 	 
	260	 	 	 	 	 	 	 	000000000000	 	 
	261	 	 	 	 	 	 	 	000000000000	 	 
	262	 	 	 	 	 	 	 	000000000000	 	 
	263	 	 	 	 	 	 	 	000000000000	 	 
	264	 	 	 	 	 	 	 	000000000000	 	 
	265	 	 	 	 	 	 	 	000000000000	 	 
	266	 	 	 	 	 	 	 	000000000000	 	 
	267	 	 	 	 	 	 	 	000000000000	 	 
	268	 	 	 	 	 	 	 	000000000000	 	 
	269	 	 	 	 	 	 	 	000000000000	 	 
	270	 	 	 	 	 	 	 	000000000000	 	 
	271	 	 	 	 	 	 	 	000000000000	 	 
	272	 	 	 	 	 	 	 	000000000000	 	 
	273	 	 	 	 	 	 	 	000000000000	 	 
	274	 	 	 	 	 	 	 	000000000000	 	 
	275	 	 	 	 	 	 	 	000000000000	 	 
	276	 	 	 	 	 	 	 	000000000000	 	 
	277	 	 	 	 	 	 	 	000000000000	 	 
	278	 	 	 	 	 	 	 	000000000000	 	 
	279	 	 	 	 	 	 	 	000000000000	 	 
	280	 	 	 	 	 	 	 	000000000000	 	 
	281	 	 	 	 	 	 	 	000000000000	 	 
	282	 	 	 	 	 	 	 	000000000000	 	 
	283	 	 	 	 	 	 	 	000000000000	 	 
	284	 	 	 	 	 	 	 	000000000000	 	 
	285	 	 	 	 	 	 	 	000000000000	 	 
	286	 	 	 	 	 	 	 	000000000000	 	 
	287	 	 	 	 	 	 	 	000000000000	 	 
	288	 	 	 	 	 	 	 	000000000000	 	 
	289	 	 	 	 	 	 	 	000000000000	 	 
	290	 	 	 	 	 	 	 	000000000000	 	 
	291	 	 	 	 	 	 	 	000000000000	 	 
	292	 	 	 	 	 	 	 	000000000000	 	 
	293	 	 	 	 	 	 	 	000000000000	 	 
	294	 	 	 	 	 	 	 	000000000000	 	 
	295	 	 	 	 	 	 	 	000000000000	 	 
	296	 	 	 	 	 	 	 	000000000000	 	 
	297	 	 	 	 	 	 	 	000000000000	 	 
	298	 	 	 	 	 	 	 	000000000000	 	 
	299	 	 	 	 	 	 	 	000000000000	 	 
	300	 	 	 	 	 	 	 	000000000000	 	 
	301	 	 	 	 	 	 	 	000000000000	 	 
	302	 	 	 	 	 	 	 	000000000000	 	 
	303	 	 	 	 	 	 	 	000000000000	 	 
	304	 	 	 	 	 	 	 	000000000000	 	 
	305	 	 	 	 	 	 	 	000000000000	 	 
	306	 	 	 	 	 	 	 	000000000000	 	 
	307	 	 	 	 	 	 	 	000000000000	 	 
	308	 	 	 	 	 	 	 	000000000000	 	 
	309	 	 	 	 	 	 	 	000000000000	 	 
	310	 	 	 	 	 	 	 	000000000000	 	 
	311	 	 	 	 	 	 	 	000000000000	 	 
	312	 	 	 	 	 	 	 	000000000000	 	 
	313	 	 	 	 	 	 	 	000000000000	 	 
	314	 	 	 	 	 	 	 	000000000000	 	 
	315	 	 	 	 	 	 	 	000000000000	 	 
	316	 	 	 	 	 	 	 	000000000000	 	 
	317	 	 	 	 	 	 	 	000000000000	 	 
	318	 	 	 	 	 	 	 	000000000000	 	 
	319	 	 	 	 	 	 	 	000000000000	 	 
	320	 	 	 	 	 	 	 	000000000000	 	 
	321	 	 	 	 	 	 	 	000000000000	 	 
	322	 	 	 	 	 	 	 	000000000000	 	 
	323	 	 	 	 	 	 	 	000000000000	 	 
	324	 	 	 	 	 	 	 	000000000000	 	 
	325	 	 	 	 	 	 	 	000000000000	 	 
	326	 	 	 	 	 	 	 	000000000000	 	 
	327	 	 	 	 	 	 	 	000000000000	 	 
	328	 	 	 	 	 	 	 	000000000000	 	 
	329	 	 	 	 	 	 	 	000000000000	 	 
	330	 	 	 	 	 	 	 	000000000000	 	 
	331	 	 	 	 	 	 	 	000000000000	 	 
	332	 	 	 	 	 	 	 	000000000000	 	 
	333	 	 	 	 	 	 	 	000000000000	 	 
	334	 	 	 	 	 	 	 	000000000000	 	 
	335	 	 	 	 	 	 	 	000000000000	 	 
	336	 	 	 	 	 	 	 	000000000000	 	 
	337	 	 	 	 	 	 	 	000000000000	 	 
	338	 	 	 	 	 	 	 	000000000000	 	 
	339	 	 	 	 	 	 	 	000000000000	 	 
	340	 	 	 	 	 	 	 	000000000000	 	 
	341	 	 	 	 	 	 	 	000000000000	 	 
	342	 	 	 	 	 	 	 	000000000000	 	 
	343	 	 	 	 	 	 	 	000000000000	 	 
	344	 	 	 	 	 	 	 	000000000000	 	 
	345	 	 	 	 	 	 	 	000000000000	 	 
	346	 	 	 	 	 	 	 	000000000000	 	 
	347	 	 	 	 	 	 	 	000000000000	 	 
	348	 	 	 	 	 	 	 	000000000000	 	 
	349	 	 	 	 	 	 	 	000000000000	 	 
	350	 	 	 	 	 	 	 	000000000000	 	 
	351	 	 	 	 	 	 	 	000000000000	 	 
	352	 	 	 	 	 	 	 	000000000000	 	 
	353	 	 	 	 	 	 	 	000000000000	 	 
	354	 	 	 	 	 	 	 	000000000000	 	 
	355	 	 	 	 	 	 	 	000000000000	 	 
	356	 	 	 	 	 	 	 	000000000000	 	 
	357	 	 	 	 	 	 	 	000000000000	 	 
	358	 	 	 	 	 	 	 	000000000000	 	 
	359	 	 	 	 	 	 	 	000000000000	 	 
	360	 	 	 	 	 	 	 	000000000000	 	 
	361	 	 	 	 	 	 	 	000000000000	 	 
	362	 	 	 	 	 	 	 	000000000000	 	 
	363	 	 	 	 	 	 	 	000000000000	 	 
	364	 	 	 	 	 	 	 	000000000000	 	 
	365	 	 	 	 	 	 	 	000000000000	 	 
	366	 	 	 	 	 	 	 	000000000000	 	 
	367	 	 	 	 	 	 	 	000000000000	 	 
	368	 	 	 	 	 	 	 	000000000000	 	 
	369	 	 	 	 	 	 	 	000000000000	 	 
	370	 	 	 	 	 	 	 	000000000000	 	 
	371	 	 	 	 	 	 	 	000000000000	 	 
	372	 	 	 	 	 	 	 	000000000000	 	 
	373	 	 	 	 	 	 	 	000000000000	 	 
	374	 	 	 	 	 	 	 	000000000000	 	 
	375	 	 	 	 	 	 	 	000000000000	 	 
	376	 	 	 	 	 	 	 	000000000000	 	 
	377	 	 	 	 	 	 	 	000000000000	 	 
	378	 	 	 	 	 	 	 	000000000000	 	 
	379	 	 	 	 	 	 	 	000000000000	 	 
	380	 	 	 	 	 	 	 	000000000000	 	 
	381	 	 	 	 	 	 	 	000000000000	 	 
	382	 	 	 	 	 	 	 	000000000000	 	 
	383	 	 	 	 	 	 	 	000000000000	 	 
	384	 	 	 	 	 	 	 	000000000000	 	 
	385	 	 	 	 	 	 	 	000000000000	 	 
	386	 	 	 	 	 	 	 	000000000000	 	 
	387	 	 	 	 	 	 	 	000000000000	 	 
	388	 	 	 	 	 	 	 	000000000000	 	 
	389	 	 	 	 	 	 	 	000000000000	 	 
	390	 	 	 	 	 	 	 	000000000000	 	 
	391	 	 	 	 	 	 	 	000000000000	 	 
	392	 	 	 	 	 	 	 	000000000000	 	 
	393	 	 	 	 	 	 	 	000000000000	 	 
	394	 	 	 	 	 	 	 	000000000000	 	 
	395	 	 	 	 	 	 	 	000000000000	 	 
	396	 	 	 	 	 	 	 	000000000000	 	 
	397	 	 	 	 	 	 	 	000000000000	 	 
	398	 	 	 	 	 	 	 	000000000000	 	 
	399	 	 	 	 	 	 	 	000000000000	 	 
	400	 	 	 	 	 	 	 	000000000000	 	 
	401	 	 	 	 	 	 	 	000000000000	 	 
	402	 	 	 	 	 	 	 	000000000000	 	 
	403	 	 	 	 	 	 	 	000000000000	 	 
	404	 	 	 	 	 	 	 	000000000000	 	 
	405	 	 	 	 	 	 	 	000000000000	 	 
	406	 	 	 	 	 	 	 	000000000000	 	 
	407	 	 	 	 	 	 	 	000000000000	 	 
	408	 	 	 	 	 	 	 	000000000000	 	 
	409	 	 	 	 	 	 	 	000000000000	 	 
	410	 	 	 	 	 	 	 	000000000000	 	 
	411	 	 	 	 	 	 	 	000000000000	 	 
	412	 	 	 	 	 	 	 	000000000000	 	 
	413	 	 	 	 	 	 	 	000000000000	 	 
	414	 	 	 	 	 	 	 	000000000000	 	 
	415	 	 	 	 	 	 	 	000000000000	 	 
	416	 	 	 	 	 	 	 	000000000000	 	 
	417	 	 	 	 	 	 	 	000000000000	 	 
	418	 	 	 	 	 	 	 	000000000000	 	 
	419	 	 	 	 	 	 	 	000000000000	 	 
	420	 	 	 	 	 	 	 	000000000000	 	 
	421	 	 	 	 	 	 	 	000000000000	 	 
	422	 	 	 	 	 	 	 	000000000000	 	 
	423	 	 	 	 	 	 	 	000000000000	 	 
	424	 	 	 	 	 	 	 	000000000000	 	 
	425	 	 	 	 	 	 	 	000000000000	 	 
	426	 	 	 	 	 	 	 	000000000000	 	 
	427	 	 	 	 	 	 	 	000000000000	 	 
	428	 	 	 	 	 	 	 	000000000000	 	 
	429	 	 	 	 	 	 	 	000000000000	 	 
	430	 	 	 	 	 	 	 	000000000000	 	 
	431	 	 	 	 	 	 	 	000000000000	 	 
	432	 	 	 	 	 	 	 	000000000000	 	 
	433	 	 	 	 	 	 	 	000000000000	 	 
	434	 	 	 	 	 	 	 	000000000000	 	 
	435	 	 	 	 	 	 	 	000000000000	 	 
	436	 	 	 	 	 	 	 	000000000000	 	 
	437	 	 	 	 	 	 	 	000000000000	 	 
	438	 	 	 	 	 	 	 	000000000000	 	 
	439	 	 	 	 	 	 	 	000000000000	 	 
	440	 	 	 	 	 	 	 	000000000000	 	 
	441	 	 	 	 	 	 	 	000000000000	 	 
	442	 	 	 	 	 	 	 	000000000000	 	 
	443	 	 	 	 	 	 	 	000000000000	 	 
	444	 	 	 	 	 	 	 	000000000000	 	 
	445	 	 	 	 	 	 	 	000000000000	 	 
	446	 	 	 	 	 	 	 	000000000000	 	 
	447	 	 	 	 	 	 	 	000000000000	 	 
	448	 	 	 	 	 	 	 	000000000000	 	 
	449	 	 	 	 	 	 	 	000000000000	 	 
	450	 	 	 	 	 	 	 	000000000000	 	 
	451	 	 	 	 	 	 	 	000000000000	 	 
	452	 	 	 	 	 	 	 	000000000000	 	 
	453	 	 	 	 	 	 	 	000000000000	 	 
	454	 	 	 	 	 	 	 	000000000000	 	 
	455	 	 	 	 	 	 	 	000000000000	 	 
	456	 	 	 	 	 	 	 	000000000000	 	 
	457	 	 	 	 	 	 	 	000000000000	 	 
	458	 	 	 	 	 	 	 	000000000000	 	 
	459	 	 	 	 	 	 	 	000000000000	 	 
	460	 	 	 	 	 	 	 	000000000000	 	 
	461	 	 	 	 	 	 	 	000000000000	 	 
	462	 	 	 	 	 	 	 	000000000000	 	 
	463	 	 	 	 	 	 	 	000000000000	 	 
	464	 	 	 	 	 	 	 	000000000000	 	 
	465	 	 	 	 	 	 	 	000000000000	 	 
	466	 	 	 	 	 	 	 	000000000000	 	 
	467	 	 	 	 	 	 	 	000000000000	 	 
	468	 	 	 	 	 	 	 	000000000000	 	 
	469	 	 	 	 	 	 	 	000000000000	 	 
	470	 	 	 	 	 	 	 	000000000000	 	 
	471	 	 	 	 	 	 	 	000000000000	 	 
	472	 	 	 	 	 	 	 	000000000000	 	 
	473	 	 	 	 	 	 	 	000000000000	 	 
	474	 	 	 	 	 	 	 	000000000000	 	 
	475	 	 	 	 	 	 	 	000000000000	 	 
	476	 	 	 	 	 	 	 	000000000000	 	 
	477	 	 	 	 	 	 	 	000000000000	 	 
	478	 	 	 	 	 	 	 	000000000000	 	 
	479	 	 	 	 	 	 	 	000000000000	 	 
	480	 	 	 	 	 	 	 	000000000000	 	 
	481	 	 	 	 	 	 	 	000000000000	 	 
	482	 	 	 	 	 	 	 	000000000000	 	 
	483	 	 	 	 	 	 	 	000000000000	 	 
	484	 	 	 	 	 	 	 	000000000000	 	 
	485	 	 	 	 	 	 	 	000000000000	 	 
	486	 	 	 	 	 	 	 	000000000000	 	 
	487	 	 	 	 	 	 	 	000000000000	 	 
	488	 	 	 	 	 	 	 	000000000000	 	 
	489	 	 	 	 	 	 	 	000000000000	 	 
	490	 	 	 	 	 	 	 	000000000000	 	 
	491	 	 	 	 	 	 	 	000000000000	 	 
	492	 	 	 	 	 	 	 	000000000000	 	 
	493	 	 	 	 	 	 	 	000000000000	 	 
	494	 	 	 	 	 	 	 	000000000000	 	 
	495	 	 	 	 	 	 	 	000000000000	 	 
	496	 	 	 	 	 	 	 	000000000000	 	 
	497	 	 	 	 	 	 	 	000000000000	 	 
	498	 	 	 	 	 	 	 	000000000000	 	 
	499	 	 	 	 	 	 	 	000000000000	 	 
	500	 	 	 	 	 	 	 	000000000000	 	 
	501	 	 	 	 	 	 	 	000000000000	 	 
	502	 	 	 	 	 	 	 	000000000000	 	 
	503	 	 	 	 	 	 	 	000000000000	 	 
	504	 	 	 	 	 	 	 	000000000000	 	 
	505	 	 	 	 	 	 	 	000000000000	 	 
	506	 	 	 	 	 	 	 	000000000000	 	 
	507	 	 	 	 	 	 	 	000000000000	 	 
	508	 	 	 	 	 	 	 	000000000000	 	 
	509	 	 	 	 	 	 	 	000000000000	 	 
	510	 	 	 	 	 	 	 	000000000000	 	 
	511	 	 	 	 	 	 	 	000000000000	 	 

 

	 	101	102	103	104	105	106	107	108	109	110
	 	
        Primary Borrower

        Wage Income
	
        Co-Borrower Wage

        Income
	
        Primary Borrower

        Other Income
	
        Co-Borrower Other

        Income
	
        All Borrower Wage

        Income
	
        All Borrower Total

        Income
	4506-T Indicator	
        Borrower Income

        Verification Level
	
        Co-Borrower

        Income Verification
	
        Borrower

        Employment

        Verification

	1	6193.00	0.00	5155.00	0.00	6193.00	11348.00	0	5	 	2
	2	8333.33	7002.00	10870.56	0.00	15335.33	26205.97	0	5	 	2
	3	6229.17	7355.79	0.00	0.00	13584.96	13584.96	1	5	 	3
	4	25781.25	0.00	0.00	0.00	25781.25	25781.25	1	5	 	3
	5	24723.00	0.00	0.00	0.00	24723.00	24723.00	1	5	 	3
	6	269436.19	269436.19	0.00	0.00	538872.38	538872.38	1	5	 	3
	7	11030.79	2228.30	0.00	0.00	13259.09	13259.09	1	5	 	3
	8	22253.77	0.00	0.00	0.00	22253.77	22253.77	1	5	 	3
	9	14443.67	3375.00	0.00	0.00	17818.67	17818.67	1	5	 	3
	10	26608.50	0.00	0.00	0.00	26608.50	26608.50	1	5	 	3
	11	116173.15	0.00	0.00	0.00	116173.15	116173.15	1	5	 	3
	12	9583.34	12083.33	0.00	0.00	21666.67	21666.67	1	5	 	3
	13	16666.68	0.00	37595.06	0.00	16666.68	54261.74	1	5	 	3
	14	0.00	0.00	23934.00	0.00	0.00	23934.00	1	4	 	3
	15	17178.00	7719.00	0.00	0.00	24897.00	24897.00	1	5	 	3
	16	50733.88	0.00	0.00	0.00	50733.88	50733.88	1	5	 	3
	17	0.00	0.00	32485.00	0.00	0.00	32485.00	1	5	 	3
	18	35427.34	0.00	0.00	0.00	35427.34	35427.34	1	5	 	3
	19	40000.00	0.00	0.00	0.00	40000.00	40000.00	1	5	 	3
	20	43169.42	0.00	0.00	0.00	43169.42	43169.42	1	5	 	3
	21	12500.00	3750.00	0.00	0.00	16250.00	16250.00	1	5	 	3
	22	29620.00	0.00	0.00	0.00	29620.00	29620.00	1	5	 	3
	23	29166.67	0.00	27083.34	0.00	29166.67	56250.01	0	5	 	2
	24	45422.00	0.00	0.00	0.00	45422.00	45422.00	1	5	 	3
	25	119060.00	0.00	0.00	0.00	119060.00	119060.00	1	5	 	3
	26	45744.00	0.00	0.00	0.00	45744.00	45744.00	1	5	 	3
	27	14000.00	19250.00	0.00	0.00	33250.00	33250.00	1	5	 	3
	28	24330.00	0.00	9767.58	0.00	24330.00	34097.58	0	5	 	3
	29	9501.00	896.00	3216.17	0.00	10397.00	13613.17	1	5	 	3
	30	13109.00	5762.00	0.00	0.00	18871.00	18871.00	1	5	 	3
	31	29611.00	3847.00	0.00	0.00	33458.00	33458.00	1	5	 	3
	32	30942.00	0.00	0.00	0.00	30942.00	30942.00	1	5	 	3
	33	22429.00	0.00	0.00	0.00	22429.00	22429.00	1	5	 	3
	34	16361.00	0.00	0.00	0.00	16361.00	16361.00	1	5	 	3
	35	7939.00	3333.00	0.00	0.00	11272.00	11272.00	1	5	 	3
	36	5542.00	17917.00	0.00	0.00	23459.00	23459.00	1	5	 	3
	37	12802.00	10194.00	0.00	0.00	22996.00	22996.00	1	5	 	3
	38	19500.00	3600.00	0.00	0.00	23100.00	23100.00	1	5	 	3
	39	13542.00	10417.00	0.00	0.00	23959.00	23959.00	1	5	 	3
	40	16435.00	0.00	0.00	0.00	16435.00	16435.00	1	5	 	3
	41	25981.00	13479.00	0.00	0.00	39460.00	39460.00	1	5	 	3
	42	17500.00	0.00	0.00	0.00	17500.00	17500.00	1	5	 	3
	43	22763.00	500.00	0.00	0.00	23263.00	23263.00	0	5	 	3
	44	11880.00	0.00	0.00	0.00	11880.00	11880.00	0	5	 	3
	45	1045.00	53793.00	1045.00	0.00	54838.00	55883.00	1	5	 	3
	46	38000.00	0.00	0.00	0.00	38000.00	38000.00	1	5	 	3
	47	12500.00	0.00	0.00	0.00	12500.00	12500.00	1	5	 	3
	48	73769.00	0.00	0.00	0.00	73769.00	73769.00	1	5	 	3
	49	12344.00	0.00	0.00	0.00	12344.00	12344.00	1	4	 	3
	50	41636.00	29466.00	0.00	0.00	71102.00	71102.00	0	5	 	3
	51	19208.00	0.00	0.00	0.00	19208.00	19208.00	1	5	 	3
	52	53382.00	0.00	0.00	0.00	53382.00	53382.00	1	5	 	3
	53	16299.00	8301.00	0.00	0.00	24600.00	24600.00	1	5	 	3
	54	35112.00	0.00	0.00	0.00	35112.00	35112.00	1	5	 	3
	55	110476.00	1667.00	0.00	0.00	112143.00	112143.00	1	5	 	3
	56	8333.00	16450.00	0.00	0.00	24783.00	24783.00	1	5	 	3
	57	10686.00	26058.00	0.00	0.00	36744.00	36744.00	1	5	 	3
	58	11951.00	10671.00	437.00	0.00	22622.00	23059.00	1	5	 	3
	59	20000.00	8563.00	0.00	0.00	28563.00	28563.00	0	5	 	3
	60	12500.00	14108.00	0.00	0.00	26608.00	26608.00	1	5	 	3
	61	10000.00	0.00	1151.00	11262.51	22413.51	22413.51	1	5	 	3
	62	20000.00	0.00	0.00	0.00	20000.00	20000.00	1	5	 	3
	63	23332.00	0.00	0.00	0.00	23332.00	23332.00	1	5	 	3
	64	23458.00	9914.00	0.00	0.00	33372.00	33372.00	1	5	 	3
	65	43406.00	0.00	0.00	0.00	43406.00	43406.00	1	5	 	3
	66	20774.00	0.00	0.00	0.00	20774.00	20774.00	0	5	 	3
	67	17455.00	0.00	0.00	0.00	17455.00	17455.00	1	5	 	3
	68	62242.00	0.00	0.00	0.00	62242.00	62242.00	1	5	 	3
	69	10926.00	0.00	0.00	0.00	10926.00	10926.00	1	4	 	3
	70	27083.00	10611.00	0.00	0.00	37694.00	37694.00	1	5	 	3
	71	10190.00	11675.00	0.00	0.00	21865.00	21865.00	1	5	 	3
	72	42066.00	0.00	0.00	0.00	42066.00	42066.00	1	5	 	3
	73	13333.00	0.00	0.00	0.00	13333.00	13333.00	1	5	 	3
	74	18685.00	0.00	-1758.00	0.00	18685.00	16927.00	1	5	 	3
	75	20470.00	1009.00	20470.00	0.00	21479.00	41949.00	1	5	 	3
	76	70224.00	0.00	0.00	0.00	70224.00	70224.00	1	5	 	3
	77	49521.00	0.00	0.00	0.00	49521.00	49521.00	1	5	 	3
	78	12771.00	0.00	0.00	0.00	12771.00	12771.00	1	5	 	3
	79	23421.00	0.00	0.00	0.00	23421.00	23421.00	1	5	 	3
	80	7335.00	0.00	0.00	0.00	7335.00	7335.00	1	5	 	3
	81	24889.00	0.00	0.00	0.00	24889.00	24889.00	1	5	 	3
	82	28302.00	8239.00	0.00	0.00	36541.00	36541.00	1	5	 	3
	83	12062.00	9903.00	0.00	0.00	21965.00	21965.00	1	5	 	3
	84	91424.00	0.00	0.00	0.00	91424.00	91424.00	1	5	 	3
	85	36512.00	0.00	0.00	0.00	36512.00	36512.00	1	5	 	3
	86	28816.00	0.00	0.00	0.00	28816.00	28816.00	1	5	 	3
	87	19952.00	4768.00	0.00	0.00	24720.00	24720.00	1	5	 	3
	88	25000.00	0.00	0.00	0.00	25000.00	25000.00	1	5	 	3
	89	21541.00	12000.00	0.00	0.00	33541.00	33541.00	1	5	 	3
	90	13056.00	0.00	3737.37	0.00	13056.00	16793.37	1	5	 	3
	91	16572.00	19297.00	0.00	0.00	35869.00	35869.00	1	5	 	3
	92	32917.00	0.00	0.00	0.00	32917.00	32917.00	1	5	 	3
	93	24152.00	51459.00	0.00	0.00	75611.00	75611.00	1	5	 	3
	94	26138.00	0.00	0.00	0.00	26138.00	26138.00	1	5	 	3
	95	15989.00	8000.00	0.00	0.00	23989.00	23989.00	1	5	 	3
	96	26000.00	0.00	0.00	0.00	26000.00	26000.00	1	5	 	3
	97	19500.00	0.00	0.00	0.00	19500.00	19500.00	1	5	 	3
	98	15600.00	11667.00	0.00	0.00	27267.00	27267.00	1	5	 	3
	99	32100.00	18041.00	0.00	0.00	50141.00	50141.00	1	5	 	3
	100	26878.00	0.00	0.00	0.00	26878.00	26878.00	0	5	 	3
	101	45001.00	0.00	0.00	0.00	45001.00	45001.00	1	5	 	3
	102	119559.00	0.00	0.00	0.00	119559.00	119559.00	1	5	 	3
	103	83333.00	0.00	0.00	0.00	83333.00	83333.00	1	5	 	3
	104	62084.00	0.00	0.00	0.00	62084.00	62084.00	0	5	 	3
	105	23632.00	17010.00	2576.00	0.00	40642.00	43218.00	1	5	 	3
	106	23750.00	13733.00	0.00	0.00	37483.00	37483.00	1	5	 	3
	107	51986.00	0.00	0.00	0.00	51986.00	51986.00	1	5	 	3
	108	23543.00	0.00	0.00	0.00	23543.00	23543.00	1	5	 	3
	109	28918.00	0.00	0.00	0.00	28918.00	28918.00	1	5	 	3
	110	34984.00	0.00	0.00	0.00	34984.00	34984.00	1	5	 	3
	111	48498.00	0.00	0.00	0.00	48498.00	48498.00	1	5	 	3
	112	19849.00	7702.00	0.00	0.00	27551.00	27551.00	1	5	 	3
	113	79480.00	0.00	0.00	0.00	79480.00	79480.00	1	5	 	3
	114	6263.00	14166.00	0.00	0.00	20429.00	20429.00	1	5	 	3
	115	39432.00	1477.00	0.00	0.00	40909.00	40909.00	1	5	 	3
	116	10417.00	24638.00	0.00	0.00	35055.00	35055.00	1	5	 	3
	117	24250.00	0.00	0.00	0.00	24250.00	24250.00	1	5	 	3
	118	40575.00	0.00	0.00	0.00	40575.00	40575.00	0	5	 	3
	119	32067.00	10062.00	0.00	0.00	42129.00	42129.00	1	5	 	3
	120	44396.00	0.00	0.00	0.00	44396.00	44396.00	1	5	 	3
	121	24583.00	0.00	0.00	0.00	24583.00	24583.00	1	5	 	3
	122	39848.00	0.00	0.00	0.00	39848.00	39848.00	0	5	 	3
	123	13684.00	9585.00	0.00	0.00	23269.00	23269.00	1	5	 	3
	124	52251.00	0.00	0.00	0.00	52251.00	52251.00	1	5	 	3
	125	7551.00	0.00	0.00	0.00	7551.00	7551.00	1	5	 	3
	126	19219.00	9268.00	0.00	0.00	28487.00	28487.00	1	5	 	3
	127	60598.00	0.00	0.00	0.00	60598.00	60598.00	1	5	 	3
	128	34985.00	0.00	0.00	0.00	34985.00	34985.00	1	5	 	3
	129	27543.00	0.00	0.00	0.00	27543.00	27543.00	1	5	 	3
	130	4238.00	2160.00	0.00	0.00	6398.00	6398.00	1	5	 	3
	131	25066.00	0.00	0.00	0.00	25066.00	25066.00	1	5	 	3
	132	60374.00	0.00	0.00	0.00	60374.00	60374.00	1	5	 	3
	133	37360.00	2570.00	0.00	0.00	39930.00	39930.00	1	5	 	3
	134	126316.00	0.00	0.00	0.00	126316.00	126316.00	1	5	 	3
	135	36883.00	0.00	0.00	0.00	36883.00	36883.00	1	5	 	3
	136	17500.00	0.00	0.00	0.00	17500.00	17500.00	1	5	 	3
	137	53410.00	0.00	0.00	0.00	53410.00	53410.00	1	5	 	3
	138	36666.00	0.00	0.00	0.00	36666.00	36666.00	1	5	 	3
	139	6125.00	12617.00	0.00	0.00	18742.00	18742.00	1	5	 	3
	140	54549.00	0.00	0.00	0.00	54549.00	54549.00	1	5	 	3
	141	0.00	91519.00	0.00	0.00	91519.00	91519.00	1	5	 	3
	142	30923.00	10242.00	0.00	0.00	41165.00	41165.00	1	5	 	3
	143	89545.00	0.00	0.00	0.00	89545.00	89545.00	1	5	 	3
	144	81760.00	0.00	0.00	0.00	81760.00	81760.00	0	5	 	3
	145	84197.00	0.00	0.00	0.00	84197.00	84197.00	1	5	 	3
	146	25299.00	0.00	0.00	0.00	25299.00	25299.00	1	5	 	3
	147	12923.00	6938.00	0.00	0.00	19861.00	19861.00	1	5	 	3
	148	14369.00	23184.00	0.00	0.00	37553.00	37553.00	1	5	 	3
	149	13750.00	0.00	0.00	0.00	13750.00	13750.00	1	5	 	3
	150	19066.00	9254.00	0.00	0.00	28320.00	28320.00	1	5	 	3
	151	59169.00	0.00	0.00	0.00	59169.00	59169.00	1	5	 	3
	152	12534.00	10135.00	0.00	0.00	22669.00	22669.00	1	5	 	3
	153	40658.00	12501.00	0.00	0.00	53159.00	53159.00	1	5	 	3
	154	28173.00	0.00	0.00	0.00	28173.00	28173.00	1	5	 	3
	155	17222.00	10619.00	0.00	0.00	27841.00	27841.00	0	5	 	3
	156	13583.00	19406.00	0.00	0.00	32989.00	32989.00	1	5	 	3
	157	28051.00	0.00	0.00	0.00	28051.00	28051.00	1	5	 	3
	158	0.00	33333.00	0.00	0.00	33333.00	33333.00	1	5	 	3
	159	11253.00	13476.00	0.00	0.00	24729.00	24729.00	1	5	 	3
	160	57701.00	0.00	0.00	0.00	57701.00	57701.00	1	5	 	3
	161	10130.00	0.00	0.00	0.00	10130.00	10130.00	0	5	 	3
	162	 	0.00	12866.34	0.00	0.00	12866.34	1	5	 	3
	163	16667.00	0.00	0.00	0.00	16667.00	16667.00	1	5	 	3
	164	13059.00	23013.00	0.00	0.00	36072.00	36072.00	1	5	 	3
	165	66924.00	0.00	0.00	0.00	66924.00	66924.00	1	5	 	3
	166	35417.00	0.00	0.00	0.00	35417.00	35417.00	1	5	 	3
	167	21883.00	0.00	8168.33	0.00	21883.00	30051.33	1	4	 	3
	168	29249.00	0.00	0.00	0.00	29249.00	29249.00	1	5	 	3
	169	9480.00	3640.00	0.00	0.00	13120.00	13120.00	1	5	 	3
	170	18750.00	0.00	7212.00	0.00	25962.00	25962.00	1	5	 	3
	171	19257.00	0.00	0.00	0.00	19257.00	19257.00	1	5	 	3
	172	13821.00	12917.00	0.00	0.00	26738.00	26738.00	1	5	 	3
	173	15000.00	0.00	0.00	0.00	15000.00	15000.00	1	5	 	3
	174	20332.00	0.00	0.00	0.00	20332.00	20332.00	1	5	 	3
	175	8472.00	0.00	8472.00	0.00	8472.00	16944.00	1	5	 	3
	176	64281.00	0.00	0.00	0.00	64281.00	64281.00	1	5	 	3
	177	19095.00	0.00	0.00	0.00	19095.00	19095.00	1	5	 	3
	178	31286.00	0.00	0.00	0.00	31286.00	31286.00	1	5	 	3
	179	15417.00	0.00	0.00	0.00	15417.00	15417.00	1	5	 	3
	180	16724.00	0.00	0.00	0.00	16724.00	16724.00	1	5	 	3
	181	546606.00	0.00	483356.00	0.00	546606.00	1029962.00	1	5	 	3
	182	78618.00	0.00	78618.00	0.00	78618.00	157236.00	1	5	 	3
	183	29314.00	0.00	0.00	0.00	29314.00	29314.00	1	5	 	3
	184	22354.00	0.00	0.00	0.00	22354.00	22354.00	1	5	 	3
	185	14045.00	18665.00	0.00	0.00	32710.00	32710.00	1	5	 	3
	186	36462.00	0.00	0.00	0.00	36462.00	36462.00	1	5	 	3
	187	53137.00	0.00	0.00	0.00	53137.00	53137.00	1	5	 	3
	188	17467.00	1850.00	0.00	0.00	19317.00	19317.00	1	5	 	3
	189	24263.00	0.00	0.00	0.00	24263.00	24263.00	1	5	 	3
	190	28000.00	0.00	0.00	0.00	28000.00	28000.00	1	5	 	3
	191	0.00	18756.00	0.00	0.00	18756.00	18756.00	0	5	 	3
	192	29166.67	0.00	27083.34	0.00	29166.67	56250.01	0	5	 	2
	193	10417.00	0.00	683.00	751.00	10417.00	11850.58	0	5	 	2
	194	20833.34	0.00	6458.33	0.00	20833.34	27291.67	0	5	 	3
	195	0.00	0.00	67866.74	0.00	0.00	67866.74	0	5	 	2
	196	11875.00	0.00	15000.00	0.00	11875.00	26875.00	0	5	 	2
	197	15831.76	0.00	0.00	0.00	15831.76	15831.76	0	5	 	3
	198	23403.93	0.00	0.00	0.00	23403.93	23403.93	0	5	 	3
	199	21785.71	0.00	16642.06	0.00	21785.71	38427.77	0	5	 	3
	200	17813.00	0.00	3263.00	0.00	17813.00	21076.00	0	5	 	3
	201	20333.92	0.00	8246.00	0.00	20333.92	28579.92	1	5	 	3
	202	20557.00	0.00	-1320.00	0.00	20557.00	19237.00	1	5	 	3
	203	30667.00	0.00	0.00	0.00	30667.00	30667.00	1	5	 	3
	204	18744.24	0.00	15521.88	0.00	18744.24	34266.12	1	5	 	3
	205	50000.00	0.00	0.00	0.00	50000.00	50000.00	1	5	 	3
	206	65354.00	0.00	0.00	0.00	65354.00	65354.00	1	4	 	3
	207	17660.83	2348.42	0.00	0.00	20009.25	20009.25	1	5	 	3
	208	16512.00	0.00	0.00	0.00	16512.00	16512.00	1	5	 	3
	209	12500.00	0.00	7003.82	0.00	12500.00	19503.82	1	5	 	3
	210	28277.00	0.00	-1381.00	-683.00	28277.00	26213.00	1	5	 	3
	211	30416.66	0.00	0.00	0.00	30416.66	30416.66	1	5	 	3
	212	53884.00	0.00	0.00	0.00	53884.00	53884.00	1	5	 	3
	213	0.00	0.00	22028.70	1067.10	0.00	23095.80	1	5	 	3
	214	4054.42	12428.00	0.00	0.00	16482.42	16482.42	1	5	 	3
	215	24500.67	0.00	0.00	0.00	24500.67	24500.67	1	5	 	3
	216	14445.76	0.00	10159.25	0.00	14445.76	24605.01	1	5	 	3
	217	13000.00	0.00	0.00	0.00	13000.00	13000.00	1	5	 	3
	218	0.00	0.00	27631.25	0.00	0.00	27631.25	1	5	 	3
	219	42670.00	5225.00	-1163.00	2668.00	47895.00	49400.00	1	4	 	3
	220	15604.00	5460.00	0.00	0.00	21064.00	21064.00	1	4	 	3
	221	25000.00	0.00	-1609.00	0.00	25000.00	23391.00	1	5	 	3
	222	11166.13	0.00	0.00	0.00	11166.13	11166.13	1	5	 	3
	223	14820.00	10213.75	0.00	0.00	25033.75	25033.75	1	5	 	3
	224	13645.97	14471.77	0.00	0.00	28117.74	28117.74	1	5	 	3
	225	23206.95	0.00	0.00	0.00	23206.95	23206.95	1	5	 	3
	226	13217.00	17232.00	0.00	0.00	30449.00	30449.00	1	5	 	3
	227	6553.44	7347.82	0.00	0.00	13901.26	13901.26	1	5	 	3
	228	7925.50	7083.34	0.00	0.00	15008.84	15008.84	1	5	 	3
	229	15000.00	2950.67	0.00	0.00	17950.67	17950.67	1	5	 	3
	230	9243.08	9943.76	9642.87	0.00	19186.84	28829.71	1	5	 	3
	231	19208.91	8125.02	0.00	0.00	27333.93	27333.93	1	5	 	3
	232	12553.83	11700.22	0.00	0.00	24254.05	24254.05	1	5	 	3
	233	12292.48	6784.27	0.00	0.00	19076.75	19076.75	1	5	 	3
	234	9168.00	4637.34	0.00	0.00	13805.34	13805.34	1	5	 	3
	235	18754.89	0.00	0.00	0.00	18754.89	18754.89	1	5	 	3
	236	14992.77	0.00	0.00	0.00	14992.77	14992.77	1	5	 	3
	237	16878.60	0.00	0.00	0.00	16878.60	16878.60	1	5	 	3
	238	10666.67	33381.29	0.00	0.00	44047.96	44047.96	1	5	 	3
	239	0.00	21462.84	0.00	0.00	21462.84	21462.84	1	5	 	3
	240	10841.96	8279.05	0.00	0.00	19121.01	19121.01	1	5	 	3
	241	51823.62	0.00	0.00	0.00	51823.62	51823.62	1	5	 	3
	242	14583.33	0.00	23504.63	0.00	14583.33	38087.96	1	5	 	3
	243	0.00	80296.30	0.00	0.00	80296.30	80296.30	1	5	 	3
	244	4636.71	3943.00	818.90	818.90	8579.71	10217.51	1	5	 	3
	245	16781.71	0.00	0.00	0.00	16781.71	16781.71	1	5	 	3
	246	9626.92	0.00	746.91	0.00	9626.92	10373.83	1	5	 	3
	247	22641.28	0.00	0.00	0.00	22641.28	22641.28	1	5	 	3
	248	13332.80	2665.87	0.00	0.00	15998.67	15998.67	1	5	 	3
	249	12500.00	0.00	4166.66	0.00	12500.00	16666.66	1	5	 	3
	250	18862.00	5690.16	4313.11	0.00	24552.16	28865.27	1	5	 	3
	251	16138.33	8463.26	0.00	0.00	24601.59	24601.59	1	5	 	3
	252	19719.62	0.00	0.00	0.00	19719.62	19719.62	1	5	 	3
	253	20420.08	0.00	0.00	0.00	20420.08	20420.08	1	5	 	3
	254	295781.58	0.00	0.00	0.00	295781.58	295781.58	1	5	 	3
	255	37142.00	0.00	0.00	0.00	37142.00	37142.00	1	5	 	3
	256	9370.50	0.00	5321.61	0.00	9370.50	14692.11	1	5	 	3
	257	12500.00	8626.80	0.00	0.00	21126.80	21126.80	1	5	 	3
	258	19166.66	7271.55	0.00	0.00	26438.21	26438.21	1	5	 	3
	259	14583.27	0.00	0.00	0.00	14583.27	14583.27	1	5	 	3
	260	28767.75	0.00	0.00	0.00	28767.75	28767.75	1	5	 	3
	261	5193.33	2098.50	4708.91	0.00	7291.83	12000.74	1	5	 	3
	262	1948.45	0.00	15200.00	0.00	1948.45	17148.45	1	5	 	3
	263	27562.91	0.00	0.00	0.00	27562.91	27562.91	1	5	 	3
	264	13820.00	0.00	0.00	0.00	13820.00	13820.00	1	5	 	3
	265	19000.00	915.59	6666.67	0.00	19915.59	26582.26	1	5	 	3
	266	14854.67	0.00	5456.84	0.00	14854.67	20311.51	1	5	 	3
	267	20963.91	0.00	0.00	0.00	20963.91	20963.91	1	5	 	3
	268	3677.00	0.00	5677.38	921.25	3677.00	10275.63	1	5	 	3
	269	0.00	0.00	38330.00	0.00	0.00	38330.00	1	5	 	3
	270	10172.17	0.00	0.00	0.00	10172.17	10172.17	1	5	 	3
	271	24103.62	8696.55	0.00	0.00	32800.17	32800.17	1	5	 	3
	272	16300.83	0.00	9848.29	0.00	16300.83	26149.12	1	5	 	3
	273	18937.94	0.00	0.00	0.00	18937.94	18937.94	1	5	 	3
	274	32201.34	0.00	0.00	0.00	32201.34	32201.34	1	5	 	3
	275	18333.34	7442.93	0.00	0.00	25776.27	25776.27	1	5	 	3
	276	18875.00	0.00	0.00	0.00	18875.00	18875.00	1	5	 	3
	277	19445.13	0.00	0.00	0.00	19445.13	19445.13	1	5	 	3
	278	12916.66	11666.66	0.00	0.00	24583.32	24583.32	1	5	 	3
	279	18750.00	0.00	0.00	0.00	18750.00	18750.00	1	5	 	3
	280	10417.00	13750.00	0.00	0.00	24167.00	24167.00	1	5	 	3
	281	9395.17	9166.66	0.00	0.00	18561.83	18561.83	1	5	 	3
	282	0.00	55676.41	0.00	0.00	55676.41	55676.41	1	5	 	3
	283	7714.33	9335.85	0.00	0.00	17050.18	17050.18	1	5	 	3
	284	12043.25	0.00	0.00	0.00	12043.25	12043.25	1	5	 	3
	285	21541.50	0.00	0.00	0.00	21541.50	21541.50	1	5	 	3
	286	15453.60	0.00	3301.00	0.00	15453.60	18754.60	1	5	 	3
	287	20833.32	0.00	41992.84	0.00	20833.32	62826.16	1	5	 	3
	288	12553.33	0.00	937.50	0.00	12553.33	13490.83	1	5	 	3
	289	14447.41	0.00	0.00	0.00	14447.41	14447.41	1	5	 	3
	290	33142.17	0.00	0.00	0.00	33142.17	33142.17	1	5	 	3
	291	12495.38	0.00	2569.00	0.00	12495.38	15064.38	1	5	 	3
	292	23760.92	0.00	0.00	0.00	23760.92	23760.92	1	5	 	3
	293	13835.53	0.00	0.00	0.00	13835.53	13835.53	1	5	 	3
	294	10333.33	9776.40	0.00	0.00	20109.73	20109.73	1	5	 	3
	295	16982.41	8026.30	0.00	0.00	25008.71	25008.71	1	5	 	3
	296	6203.79	9468.72	0.00	0.00	15672.51	15672.51	1	5	 	3
	297	28531.00	28531.00	0.00	0.00	57062.00	57062.00	1	5	 	3
	298	4556.50	6944.62	0.00	0.00	11501.12	11501.12	1	5	 	3
	299	5833.33	2708.51	0.00	0.00	8541.84	8541.84	1	5	 	3
	300	7500.00	10426.00	0.00	0.00	17926.00	17926.00	1	5	 	3
	301	15833.34	0.00	0.00	0.00	15833.34	15833.34	1	5	 	3
	302	18985.86	0.00	0.00	0.00	18985.86	18985.86	1	5	 	3
	303	8861.58	2677.33	16207.04	0.00	11538.91	27745.95	1	5	 	3
	304	13596.18	16666.67	0.00	0.00	30262.85	30262.85	1	5	 	3
	305	16900.00	6760.13	79059.00	0.00	23660.13	102719.13	1	5	 	3
	306	22916.66	0.00	17744.50	0.00	22916.66	40661.16	0	5	 	3
	307	6371.09	27083.32	0.00	0.00	33454.41	33454.41	1	5	 	3
	308	40338.75	6000.00	0.00	1976.55	46338.75	48315.30	1	5	 	3
	309	19166.67	0.00	0.00	0.00	19166.67	19166.67	1	5	 	3
	310	20108.33	5125.00	0.00	0.00	25233.33	25233.33	1	5	 	3
	311	7308.15	0.00	4000.10	0.00	7308.15	11308.25	1	5	 	3
	312	1491.90	3797.83	5367.06	0.00	5289.73	10656.79	1	5	 	3
	313	8228.00	0.00	1422.00	0.00	8228.00	9650.00	1	5	 	3
	314	10796.00	0.00	0.00	0.00	10796.00	10796.00	1	5	 	3
	315	95737.33	0.00	0.00	0.00	95737.33	95737.33	1	5	 	3
	316	15000.00	0.00	8958.33	0.00	15000.00	23958.33	1	5	 	3
	317	8332.92	0.00	7253.96	0.00	8332.92	15586.88	1	5	 	3
	318	15806.74	3666.00	0.00	0.00	19472.74	19472.74	1	5	 	3
	319	9446.26	3483.46	0.00	0.00	12929.72	12929.72	1	5	 	3
	320	22522.52	0.00	0.00	0.00	22522.52	22522.52	1	5	 	3
	321	15833.34	0.00	0.00	0.00	15833.34	15833.34	1	5	 	3
	322	12368.00	0.00	0.00	0.00	12368.00	12368.00	1	5	 	3
	323	10226.25	8372.49	0.00	0.00	18598.74	18598.74	1	5	 	3
	324	7220.73	7420.01	0.00	0.00	14640.74	14640.74	1	5	 	3
	325	6716.54	26250.00	0.00	0.00	32966.54	32966.54	1	5	 	3
	326	12500.00	0.00	1594.09	0.00	12500.00	14094.09	1	5	 	3
	327	12500.00	0.00	19437.33	0.00	12500.00	31937.33	1	5	 	3
	328	13384.38	0.00	0.00	0.00	13384.38	13384.38	1	5	 	3
	329	27304.87	0.00	0.00	0.00	27304.87	27304.87	1	5	 	3
	330	27250.00	9016.80	0.00	0.00	36266.80	36266.80	1	5	 	3
	331	23618.25	0.00	0.00	0.00	23618.25	23618.25	1	5	 	3
	332	8193.74	5659.33	0.00	0.00	13853.07	13853.07	1	5	 	3
	333	20799.29	0.00	0.00	0.00	20799.29	20799.29	1	5	 	3
	334	7805.55	8652.87	0.00	0.00	16458.42	16458.42	1	5	 	3
	335	9750.00	5666.68	19867.17	0.00	15416.68	35283.85	1	5	 	3
	336	14804.34	17833.40	0.00	0.00	32637.74	32637.74	1	5	 	3
	337	8750.00	0.00	0.00	0.00	8750.00	8750.00	1	5	 	3
	338	34598.71	0.00	0.00	0.00	34598.71	34598.71	1	5	 	3
	339	15000.00	0.00	0.00	0.00	15000.00	15000.00	1	5	 	3
	340	59956.75	0.00	0.00	0.00	59956.75	59956.75	1	5	 	3
	341	16666.67	0.00	7333.33	0.00	16666.67	24000.00	1	5	 	3
	342	0.00	13498.33	0.00	0.00	13498.33	13498.33	1	5	 	3
	343	10090.00	0.00	0.00	0.00	10090.00	10090.00	1	5	 	3
	344	8924.83	9708.31	0.00	10857.84	18633.14	29490.98	1	5	 	3
	345	12131.30	0.00	0.00	0.00	12131.30	12131.30	1	5	 	3
	346	20292.00	5833.00	0.00	0.00	26125.00	26125.00	1	5	 	3
	347	31250.09	0.00	0.00	0.00	31250.09	31250.09	1	5	 	3
	348	9583.00	4635.00	4724.83	634.00	14218.00	19576.83	1	5	 	3
	349	7683.67	8333.33	0.00	4435.96	16017.00	20452.96	1	5	 	3
	350	10583.00	0.00	7516.00	0.00	10583.00	18099.00	0	5	 	3
	351	14583.33	0.00	0.00	0.00	14583.33	14583.33	1	5	 	3
	352	22083.34	0.00	0.00	0.00	22083.34	22083.34	1	5	 	3
	353	31016.00	0.00	0.00	0.00	31016.00	31016.00	1	5	 	3
	354	25925.00	0.00	9414.66	0.00	25925.00	35339.66	1	5	 	3
	355	46660.00	0.00	0.00	0.00	46660.00	46660.00	1	5	 	3
	356	15000.00	0.00	0.00	0.00	15000.00	15000.00	1	5	 	3
	357	18471.34	0.00	0.00	0.00	18471.34	18471.34	1	5	 	3
	358	15418.08	0.00	0.00	0.00	15418.08	15418.08	1	4	 	3
	359	9146.04	12250.01	0.00	0.00	21396.05	21396.05	1	5	 	3
	360	11493.64	5124.59	0.00	0.00	16618.23	16618.23	1	5	 	3
	361	12692.91	13993.00	0.00	0.00	26685.91	26685.91	1	5	 	3
	362	40381.75	0.00	0.00	0.00	40381.75	40381.75	1	5	 	3
	363	15833.32	0.00	5000.00	0.00	15833.32	20833.32	1	5	 	3
	364	23333.34	0.00	0.00	0.00	23333.34	23333.34	1	5	 	3
	365	16334.07	8333.33	0.00	0.00	24667.40	24667.40	1	5	 	3
	366	20000.00	4524.98	6604.17	0.00	24524.98	31129.15	1	5	 	3
	367	16501.92	0.00	0.00	0.00	16501.92	16501.92	1	5	 	3
	368	20833.33	0.00	8930.08	0.00	20833.33	29763.41	1	5	 	3
	369	7682.25	0.00	5583.00	0.00	7682.25	13265.25	1	5	 	3
	370	0.00	0.00	47187.00	0.00	0.00	47187.00	1	5	 	3
	371	8899.93	6796.42	0.00	0.00	15696.35	15696.35	1	5	 	3
	372	14537.50	4354.61	0.00	0.00	18892.11	18892.11	1	5	 	3
	373	5652.07	2309.82	0.00	670.00	7961.89	8631.89	1	5	 	3
	374	9012.51	2383.41	0.00	0.00	11395.92	11395.92	1	5	 	3
	375	30659.08	0.00	0.00	0.00	30659.08	30659.08	1	5	 	3
	376	13904.90	15844.00	0.00	0.00	29748.90	29748.90	1	5	 	3
	377	21610.83	156.71	0.00	0.00	21767.54	21767.54	1	5	 	3
	378	65547.58	0.00	0.00	0.00	65547.58	65547.58	1	5	 	3
	379	37559.55	0.00	0.00	0.00	37559.55	37559.55	1	5	 	3
	380	13290.29	11641.60	0.00	0.00	24931.89	24931.89	0	5	 	3
	381	33333.34	0.00	0.00	0.00	33333.34	33333.34	1	5	 	3
	382	13053.00	0.00	0.00	0.00	13053.00	13053.00	1	5	 	3
	383	13541.66	47903.92	13700.30	0.00	61445.58	75145.88	1	5	 	3
	384	28201.75	0.00	0.00	0.00	28201.75	28201.75	1	5	 	3
	385	16158.33	0.00	3685.75	0.00	16158.33	19844.08	1	5	 	3
	386	12473.35	0.00	13955.80	0.00	12473.35	26429.15	1	5	 	3
	387	14905.77	0.00	3162.03	0.00	14905.77	18067.80	1	5	 	3
	388	4501.44	6666.68	0.00	4426.09	11168.12	15594.21	1	5	 	3
	389	20000.50	0.00	0.00	0.00	20000.50	20000.50	1	5	 	3
	390	14582.53	12274.44	5913.42	0.00	26856.97	32770.39	1	5	 	3
	391	13743.08	0.00	0.00	0.00	13743.08	13743.08	1	5	 	3
	392	12280.46	10686.35	2762.36	0.00	22966.81	25729.17	1	5	 	3
	393	25525.67	0.00	0.00	0.00	25525.67	25525.67	1	5	 	3
	394	10857.42	0.00	0.00	52590.05	10857.42	63447.47	1	5	 	3
	395	20585.58	0.00	0.00	0.00	20585.58	20585.58	1	5	 	3
	396	12065.41	0.00	0.00	0.00	12065.41	12065.41	1	5	 	3
	397	15833.34	0.00	0.00	0.00	15833.34	15833.34	1	5	 	3
	398	10758.32	0.00	0.00	6260.00	10758.32	17018.32	1	5	 	3
	399	6250.00	11123.00	0.00	2555.50	17373.00	19928.50	1	5	 	3
	400	16356.91	0.00	0.00	0.00	16356.91	16356.91	1	5	 	3
	401	18128.71	5137.14	0.00	0.00	23265.85	23265.85	1	5	 	3
	402	1247.50	0.00	29342.00	0.00	1247.50	30589.50	1	5	 	3
	403	11618.22	0.00	0.00	0.00	11618.22	11618.22	1	5	 	3
	404	1972.00	0.00	19281.82	0.00	1972.00	21253.82	1	5	 	3
	405	13333.33	6746.58	0.00	0.00	20079.91	20079.91	1	5	 	3
	406	15022.88	0.00	10781.67	0.00	15022.88	25804.55	1	5	 	3
	407	6875.00	8155.68	0.00	0.00	15030.68	15030.68	1	5	 	3
	408	36250.00	0.00	0.00	0.00	36250.00	36250.00	1	5	 	3
	409	12500.00	0.00	6901.00	0.00	12500.00	19401.00	1	5	 	3
	410	21248.93	0.00	0.00	0.00	21248.93	21248.93	1	5	 	3
	411	9241.25	0.00	10224.41	0.00	9241.25	19465.66	1	5	 	3
	412	9072.00	9072.00	0.00	0.00	18144.00	18144.00	1	5	 	3
	413	0.00	0.00	99438.29	0.00	0.00	99438.29	1	5	 	3
	414	12500.00	9888.08	0.00	0.00	22388.08	22388.08	1	5	 	3
	415	8883.34	4683.34	0.00	0.00	13566.68	13566.68	1	5	 	3
	416	13120.00	7417.00	0.00	0.00	20537.00	20537.00	1	5	 	3
	417	6842.90	27000.00	0.00	0.00	33842.90	33842.90	1	5	 	3
	418	17000.00	0.00	20.56	0.00	17000.00	17020.56	1	5	 	3
	419	16666.67	431.66	2476.44	1788.53	17098.33	21363.30	1	5	 	3
	420	9584.84	5687.75	0.00	0.00	15272.59	15272.59	1	5	 	3
	421	9071.96	9152.42	0.00	0.00	18224.38	18224.38	1	5	 	3
	422	30275.83	6242.24	0.00	0.00	36518.07	36518.07	1	5	 	3
	423	10790.00	6041.67	1952.50	0.00	16831.67	18784.17	1	5	 	3
	424	10045.00	0.00	0.00	4874.33	10045.00	14919.33	1	5	 	3
	425	18464.70	0.00	10333.33	0.00	18464.70	28798.03	1	5	 	3
	426	35093.04	0.00	0.00	0.00	35093.04	35093.04	1	5	 	3
	427	10728.86	0.00	0.00	0.00	10728.86	10728.86	1	5	 	3
	428	23743.04	6236.82	0.00	0.00	29979.86	29979.86	1	5	 	3
	429	8154.16	7341.66	4195.16	1458.33	15495.82	21149.31	1	5	 	3
	430	36911.33	0.00	2648.00	0.00	36911.33	39559.33	1	5	 	3
	431	44332.00	0.00	-305.00	0.00	44332.00	44027.00	1	5	 	3
	432	14583.33	0.00	22008.25	0.00	14583.33	36591.58	0	5	 	3
	433	141838.00	0.00	0.00	0.00	141838.00	141838.00	0	5	 	3
	434	49242.00	0.00	0.00	0.00	49242.00	49242.00	0	5	 	2
	435	0.00	0.00	11430.00	6263.00	0.00	17693.00	0	5	 	2
	436	14409.13	3992.00	4166.66	0.00	18401.13	22567.79	1	5	 	3
	437	16666.66	10833.42	0.00	0.00	27500.08	27500.08	0	5	 	2
	438	0.00	0.00	28528.00	0.00	0.00	28528.00	0	4	 	2
	439	25000.00	3281.00	1380.00	0.00	28281.00	29661.00	1	5	 	2
	440	36806.26	2266.66	0.00	0.00	39072.92	39072.92	0	5	 	3
	441	0.00	0.00	17206.92	0.00	0.00	17206.92	0	5	 	2
	442	0.00	0.00	26150.33	0.00	0.00	26150.33	1	4	 	2
	443	18750.00	13500.00	0.00	0.00	32250.00	32250.00	0	5	 	2
	444	30833.33	13000.00	0.00	0.00	51151.66	64477.24	1	5	 	3
	445	46332.64	0.00	15797.75	0.00	46332.64	62130.39	0	5	 	2
	446	74208.00	0.00	61216.00	0.00	74208.00	135424.00	1	5	 	2
	447	6000.00	13050.00	0.00	0.00	19050.00	19050.00	1	4	 	2
	448	32583.33	0.00	0.00	0.00	32583.33	32583.33	0	5	 	3
	449	10125.00	19200.00	4639.85	0.00	29325.00	33964.85	1	5	 	2
	450	20000.00	23144.00	0.00	0.00	43144.00	43144.00	1	5	 	3
	451	9915.00	11500.00	0.00	0.00	21415.00	21415.00	0	5	 	3
	452	12925.00	11133.00	0.00	0.00	24058.00	24058.00	0	5	 	3
	453	6863.00	18500.00	0.00	0.00	25363.00	25363.00	1	5	 	3
	454	19791.00	0.00	0.00	0.00	19791.00	19791.00	1	5	 	3
	455	72092.00	0.00	0.00	0.00	72092.00	72092.00	1	5	 	3
	456	13750.00	25000.00	0.00	0.00	38750.00	38750.00	1	5	 	3
	457	9358.00	4496.00	0.00	0.00	13854.00	13854.00	1	5	 	3
	458	97495.00	0.00	0.00	0.00	97495.00	97495.00	0	5	 	3
	459	34000.00	0.00	0.00	0.00	34000.00	34000.00	1	5	 	3
	460	15719.00	17815.00	0.00	0.00	33534.00	33534.00	1	5	 	3
	461	16583.00	0.00	0.00	0.00	16583.00	16583.00	1	5	 	3
	462	33955.00	0.00	0.00	0.00	33955.00	33955.00	1	5	 	3
	463	9112.00	16250.00	0.00	0.00	25362.00	25362.00	1	5	 	3
	464	22206.00	0.00	0.00	0.00	22206.00	22206.00	1	5	 	3
	465	6351.00	12930.00	0.00	0.00	19281.00	19281.00	1	5	 	3
	466	31250.00	5725.00	0.00	0.00	36975.00	36975.00	1	5	 	3
	467	14570.00	0.00	0.00	0.00	14570.00	14570.00	1	5	 	3
	468	13443.00	12083.00	0.00	0.00	25526.00	25526.00	1	5	 	3
	469	17343.00	12520.00	0.00	0.00	29863.00	29863.00	1	5	 	3
	470	35000.00	0.00	0.00	0.00	35000.00	35000.00	1	5	 	3
	471	19679.00	0.00	0.00	0.00	19679.00	19679.00	1	5	 	3
	472	17047.00	0.00	0.00	0.00	17047.00	17047.00	1	5	 	3
	473	42420.00	0.00	0.00	0.00	42420.00	42420.00	1	5	 	3
	474	21325.00	0.00	0.00	0.00	21325.00	21325.00	1	5	 	3
	475	15000.00	0.00	0.00	0.00	15000.00	15000.00	1	5	 	3
	476	15417.00	9167.00	0.00	0.00	24584.00	24584.00	1	5	 	3
	477	12922.00	0.00	0.00	0.00	12922.00	12922.00	1	5	 	3
	478	10333.00	2069.00	0.00	0.00	12402.00	12402.00	1	5	 	3
	479	17510.00	11539.00	0.00	0.00	29049.00	29049.00	1	5	 	3
	480	14583.00	0.00	0.00	0.00	14583.00	14583.00	1	5	 	3
	481	9458.00	8459.00	0.00	0.00	17917.00	17917.00	1	5	 	3
	482	30024.00	0.00	0.00	0.00	30024.00	30024.00	1	5	 	3
	483	10266.34	7757.00	0.00	0.00	18023.34	18023.34	1	5	 	3
	484	20000.00	3061.88	0.00	0.00	23061.88	23061.88	0	5	 	3
	485	22533.34	0.00	0.00	0.00	22533.34	22533.34	1	5	 	3
	486	8245.18	0.00	17387.66	0.00	8245.18	25632.84	1	5	 	3
	487	10289.85	0.00	1969.00	0.00	10289.85	12258.85	1	5	 	3
	488	24999.99	15000.00	0.00	0.00	39999.99	39999.99	1	5	 	3
	489	7877.32	18360.17	0.00	0.00	26237.49	26237.49	1	5	 	3
	490	23340.00	0.00	0.00	0.00	23340.00	23340.00	1	5	 	3
	491	57169.42	6786.16	0.00	0.00	63955.58	63955.58	1	5	 	3
	492	15097.51	0.00	0.00	0.00	15097.51	15097.51	1	5	 	3
	493	14875.00	0.00	0.00	0.00	14875.00	14875.00	1	5	 	3
	494	15606.00	8541.56	0.00	0.00	24147.56	24147.56	1	5	 	3
	495	21547.62	12082.17	0.00	0.00	33629.79	33629.79	1	5	 	3
	496	14838.55	13942.75	0.00	0.00	28781.30	28781.30	1	5	 	3
	497	8148.92	8483.63	0.00	0.00	17986.55	17986.55	1	5	 	3
	498	54166.66	0.00	0.00	0.00	54166.66	54166.66	1	5	 	3
	499	0.00	0.00	106593.00	0.00	0.00	106593.00	1	5	 	3
	500	25040.75	0.00	0.00	0.00	25040.75	25040.75	1	5	 	3
	501	18555.93	0.00	0.00	0.00	18555.93	18555.93	1	5	 	3
	502	7353.17	6989.57	0.00	0.00	14342.74	14342.74	1	5	 	3
	503	6394.58	5311.83	0.00	0.00	11706.41	11706.41	1	5	 	3
	504	9174.64	0.00	0.00	0.00	9174.64	9174.64	1	5	 	3
	505	13648.34	11466.26	0.00	0.00	25114.60	25114.60	1	5	 	3
	506	10076.58	1239.17	0.00	0.00	11315.75	11315.75	0	4	 	3
	507	17070.21	0.00	0.00	0.00	17070.21	17070.21	1	5	 	3
	508	20833.33	0.00	242298.12	0.00	20833.33	263131.45	1	5	 	3
	509	20000.00	19166.66	0.00	0.00	39166.66	39166.66	1	5	 	3
	510	16250.00	0.00	37019.33	0.00	16250.00	53269.33	1	5	 	3
	511	20166.66	9567.62	0.00	0.00	29734.28	29734.28	1	5	 	3

 

	 	111	112	113	114	115	116	117	118	119
	 	
        Co-Borrower

        Employment

        Verification
	
        Borrower Asset

        Verification
	
        Co-Borrower 

Asset

        Verification
	
        Liquid / Cash

        Reserves
	
        Monthly 

Debt All

        Borrowers
	Originator DTI	Fully 

Indexed 

Rate	
        Qualification

        Method
	
        Percentage of 

Down

        Payment from

        Borrower Own

        Funds

	1	 	3	 	966841.81	4530.12	0.399200	 	 	 
	2	 	4	 	4942401.60	7337.67	0.280000	 	 	100.000000
	3	 	4	 	67201.40	5879.57	0.432800	 	 	 
	4	 	4	 	196542.45	8405.41	0.326028	 	 	 
	5	 	4	 	652220.12	8687.54	0.351395	 	 	 
	6	 	4	 	861493.44	50769.32	0.094214	 	 	 
	7	 	4	 	92527.80	5554.35	0.418909	 	 	 
	8	 	4	 	323064.33	7755.17	0.348488	 	 	 
	9	 	4	 	139301.33	7264.05	0.407665	 	 	 
	10	 	4	 	163487.07	11287.46	0.424205	 	 	 
	11	 	4	 	446229.95	15513.76	0.133540	 	 	 
	12	 	4	 	32587.07	5475.60	0.252720	 	 	100.000000
	13	 	4	 	1573146.26	12578.63	0.231814	 	 	100.000000
	14	 	4	 	370465.00	10491.92	0.438369	 	 	 
	15	 	4	 	330674.34	9876.07	0.396677	 	 	 
	16	 	4	 	899088.93	20907.84	0.412108	 	 	 
	17	 	4	 	49231.91	8191.58	0.252165	 	 	 
	18	 	4	 	10565905.72	6684.75	0.188689	 	 	 
	19	 	4	 	2676407.73	8221.44	0.205536	 	 	100.000000
	20	 	4	 	138358.18	9235.67	0.213940	 	 	 
	21	 	4	 	180995.22	6747.98	0.415260	 	 	 
	22	 	4	 	322348.81	9271.83	0.313026	 	 	100.000000
	23	 	4	 	1075866.50	21375.00	0.380000	 	 	 
	24	 	4	 	1577106.97	6795.13	0.149566	 	 	100.000000
	25	 	4	 	835043.55	31038.94	0.284876	 	 	0.000000
	26	 	4	 	301855.88	13238.31	0.322720	 	 	0.000000
	27	 	4	 	1065835.42	9843.33	0.254539	 	 	0.000000
	28	 	4	 	97978.16	8316.06	0.233118	 	 	0.000000
	29	 	4	 	313766.08	4813.21	0.318551	 	 	0.000000
	30	 	4	 	328417.08	8044.14	0.262819	 	 	0.000000
	31	 	4	 	136734.06	8775.36	0.301627	 	 	100.000000
	32	 	4	 	1074295.44	11485.05	0.312858	 	 	100.000000
	33	 	4	 	130179.99	10284.15	0.405312	 	 	0.000000
	34	 	4	 	360202.00	4119.70	0.249709	 	 	100.000000
	35	 	4	 	1176829.99	4440.15	0.308439	 	 	100.000000
	36	 	4	 	177429.20	5329.88	0.241767	 	 	0.000000
	37	 	4	 	113909.06	5172.49	0.226516	 	 	100.000000
	38	 	4	 	639270.09	10791.40	0.193835	 	 	0.000000
	39	 	4	 	244776.02	7894.49	0.325687	 	 	100.000000
	40	 	4	 	67240.56	4343.77	0.285792	 	 	100.000000
	41	 	4	 	898205.35	13680.78	0.260676	 	 	100.000000
	42	 	4	 	209480.87	5924.80	0.335355	 	 	100.000000
	43	 	4	 	24159.07	9049.77	0.382890	 	 	100.000000
	44	 	4	 	203690.58	4170.24	0.400193	 	 	0.000000
	45	 	4	 	411152.25	22176.05	0.378881	 	 	100.000000
	46	 	4	 	542456.11	6276.08	0.160460	 	 	0.000000
	47	 	4	 	121689.89	3180.00	0.256299	 	 	0.000000
	48	 	4	 	371035.64	7506.00	0.101783	 	 	100.000000
	49	 	4	 	298425.24	4655.66	0.377142	 	 	0.000000
	50	 	4	 	285519.08	9413.19	0.172356	 	 	0.000000
	51	 	4	 	596066.44	6262.38	0.342330	 	 	0.000000
	52	 	4	 	82184.39	12587.48	0.227973	 	 	0.000000
	53	 	4	 	180191.14	8805.57	0.220472	 	 	100.000000
	54	 	4	 	330267.27	5858.79	0.264646	 	 	100.000000
	55	 	4	 	137283.30	18946.56	0.138627	 	 	0.000000
	56	 	4	 	84354.33	7707.02	0.284876	 	 	100.000000
	57	 	4	 	28654.57	13776.43	0.433494	 	 	0.000000
	58	 	4	 	720894.77	9461.80	0.410311	 	 	100.000000
	59	 	4	 	533729.24	9654.29	0.346241	 	 	0.000000
	60	 	4	 	296948.23	6279.49	0.237534	 	 	100.000000
	61	 	4	 	1575027.89	10113.87	0.600692	 	 	100.000000
	62	 	4	 	472890.17	6689.80	0.573405	 	 	100.000000
	63	 	4	 	144568.42	7044.63	0.354106	 	 	100.000000
	64	 	4	 	67331.05	9341.16	0.234779	 	 	0.000000
	65	 	4	 	79135.98	12161.93	0.280449	 	 	100.000000
	66	 	4	 	175575.74	7581.47	0.333681	 	 	100.000000
	67	 	4	 	629901.53	7255.35	0.440434	 	 	100.000000
	68	 	4	 	222667.47	12045.07	0.208717	 	 	100.000000
	69	 	4	 	162547.57	4270.97	0.400095	 	 	100.000000
	70	 	4	 	392549.79	12574.72	0.276473	 	 	0.000000
	71	 	4	 	243110.27	5754.87	0.298341	 	 	0.000000
	72	 	4	 	601151.28	7841.10	0.186404	 	 	0.000000
	73	 	4	 	304052.51	5385.20	0.400034	 	 	0.000000
	74	 	4	 	362357.05	3919.95	0.212433	 	 	0.000000
	75	 	4	 	3070130.50	10602.61	0.405631	 	 	0.000000
	76	 	4	 	885268.92	19057.39	0.280798	 	 	100.000000
	77	 	4	 	1525282.87	10117.14	0.198958	 	 	0.000000
	78	 	4	 	187897.19	5812.08	0.346321	 	 	0.000000
	79	 	4	 	155082.31	3804.98	0.215473	 	 	100.000000
	80	 	4	 	83002.60	1329.10	0.181275	 	 	0.000000
	81	 	4	 	123594.95	7176.25	0.280303	 	 	0.000000
	82	 	4	 	116340.25	8700.41	0.225319	 	 	0.000000
	83	 	4	 	143554.05	5811.94	0.254226	 	 	0.000000
	84	 	4	 	2823530.05	8200.73	0.090638	 	 	0.000000
	85	 	4	 	188041.40	8674.16	0.253685	 	 	0.000000
	86	 	4	 	150642.63	8716.84	0.279574	 	 	0.000000
	87	 	4	 	290571.63	4810.26	0.195310	 	 	0.000000
	88	 	4	 	668099.49	7717.75	0.292043	 	 	0.000000
	89	 	4	 	1803268.18	11812.47	0.315512	 	 	0.000000
	90	 	4	 	410834.50	7471.37	0.444866	 	 	0.000000
	91	 	4	 	476325.79	12158.16	0.335134	 	 	0.000000
	92	 	4	 	94602.75	7765.12	0.189204	 	 	0.000000
	93	 	4	 	833708.25	14086.33	0.164415	 	 	0.000000
	94	 	4	 	1211542.16	9786.07	0.371881	 	 	100.000000
	95	 	4	 	332436.00	7304.65	0.297654	 	 	0.000000
	96	 	4	 	190750.94	6649.50	0.251899	 	 	0.000000
	97	 	4	 	107011.02	6949.80	0.290726	 	 	0.000000
	98	 	4	 	183415.32	7599.86	0.287118	 	 	0.000000
	99	 	4	 	1262436.99	19643.24	0.205371	 	 	0.000000
	100	 	4	 	1112164.28	9704.57	0.343995	 	 	0.000000
	101	 	4	 	115028.97	10637.79	0.236389	 	 	0.000000
	102	 	4	 	489199.62	14465.44	0.324970	 	 	0.000000
	103	 	4	 	236569.42	11729.95	0.140756	 	 	0.000000
	104	 	4	 	946036.72	13356.75	0.208846	 	 	0.000000
	105	 	4	 	416270.77	16369.68	0.378757	 	 	0.000000
	106	 	4	 	239888.04	8988.05	0.248806	 	 	0.000000
	107	 	4	 	185660.00	7064.90	0.162842	 	 	0.000000
	108	 	4	 	380335.67	6356.85	0.295812	 	 	0.000000
	109	 	4	 	506341.02	7180.34	0.229655	 	 	0.000000
	110	 	4	 	84455.74	7797.93	0.222942	 	 	0.000000
	111	 	4	 	657934.24	8428.95	0.157050	 	 	0.000000
	112	 	4	 	395901.00	5182.34	0.190637	 	 	100.000000
	113	 	4	 	824885.20	20404.11	0.232274	 	 	0.000000
	114	 	4	 	143440.62	7307.45	0.357681	 	 	0.000000
	115	 	4	 	388105.49	11376.79	0.378725	 	 	0.000000
	116	 	4	 	239491.38	12958.78	0.261318	 	 	0.000000
	117	 	4	 	770386.44	8618.45	0.290254	 	 	0.000000
	118	 	4	 	450678.64	6138.59	0.133107	 	 	0.000000
	119	 	4	 	393264.59	12995.11	0.254609	 	 	100.000000
	120	 	4	 	168174.26	10357.59	0.232935	 	 	0.000000
	121	 	4	 	76329.90	6721.73	0.291184	 	 	0.000000
	122	 	4	 	369427.48	11028.73	0.298503	 	 	0.000000
	123	 	4	 	109223.10	6150.00	0.235624	 	 	0.000000
	124	 	4	 	1061295.73	12368.33	0.207281	 	 	100.000000
	125	 	4	 	108442.41	1434.69	0.190062	 	 	0.000000
	126	 	4	 	799446.73	8873.99	0.335270	 	 	0.000000
	127	 	4	 	1662800.74	21603.79	0.425930	 	 	0.000000
	128	 	4	 	296369.92	10118.71	0.307957	 	 	0.000000
	129	 	4	 	119457.79	11708.53	0.435813	 	 	0.000000
	130	 	4	 	39736.42	2211.15	0.282691	 	 	0.000000
	131	 	4	 	146994.15	6138.66	0.258191	 	 	0.000000
	132	 	4	 	1293580.68	9309.67	0.178032	 	 	0.000000
	133	 	4	 	83575.75	8768.63	0.236495	 	 	0.000000
	134	 	4	 	701077.84	11974.76	0.159357	 	 	0.000000
	135	 	4	 	109284.45	7513.07	0.211115	 	 	0.000000
	136	 	4	 	239380.34	6986.88	0.393445	 	 	0.000000
	137	 	4	 	924897.00	16086.56	0.327214	 	 	0.000000
	138	 	4	 	313388.45	12250.11	0.328742	 	 	0.000000
	139	 	4	 	136904.40	5298.55	0.330139	 	 	0.000000
	140	 	4	 	98549.21	7276.84	0.144759	 	 	0.000000
	141	 	4	 	393644.47	13392.89	0.164013	 	 	0.000000
	142	 	4	 	264567.00	13134.52	0.175978	 	 	0.000000
	143	 	4	 	1058143.14	32704.52	0.251264	 	 	0.000000
	144	 	4	 	186801.80	12190.42	0.139421	 	 	0.000000
	145	 	4	 	85233.56	10554.09	0.322095	 	 	0.000000
	146	 	4	 	578993.44	9296.37	0.366516	 	 	0.000000
	147	 	4	 	77799.51	6506.46	0.273328	 	 	0.000000
	148	 	4	 	124032.30	15037.35	0.423756	 	 	0.000000
	149	 	4	 	103000.28	4434.38	0.374168	 	 	0.000000
	150	 	4	 	168652.59	11431.37	0.401684	 	 	0.000000
	151	 	4	 	401292.85	12046.81	0.191002	 	 	0.000000
	152	 	4	 	81832.93	6653.35	0.276488	 	 	0.000000
	153	 	4	 	150364.01	19453.00	0.308287	 	 	0.000000
	154	 	4	 	208386.85	6496.69	0.227956	 	 	0.000000
	155	 	4	 	535876.58	6951.34	0.266599	 	 	0.000000
	156	 	4	 	160503.57	6145.85	0.186798	 	 	0.000000
	157	 	4	 	217702.71	10776.07	0.386069	 	 	100.000000
	158	 	4	 	235007.31	4813.29	0.153677	 	 	0.000000
	159	 	4	 	99935.37	5029.88	0.208374	 	 	0.000000
	160	 	4	 	314298.04	8187.77	0.086028	 	 	0.000000
	161	 	4	 	360887.92	4111.16	0.326620	 	 	100.000000
	162	 	4	 	149314.96	4426.02	0.259560	 	 	0.000000
	163	 	4	 	107127.12	5440.11	0.326821	 	 	0.000000
	164	 	4	 	1630188.26	7578.73	0.296602	 	 	0.000000
	165	 	4	 	169688.62	7937.19	0.118472	 	 	0.000000
	166	 	4	 	108663.36	5528.59	0.156052	 	 	0.000000
	167	 	4	 	2625357.88	8892.19	0.285225	 	 	0.000000
	168	 	4	 	290559.01	13180.48	0.450342	 	 	100.000000
	169	 	4	 	188567.87	4180.43	0.306003	 	 	0.000000
	170	 	4	 	128761.03	8079.63	0.418819	 	 	100.000000
	171	 	4	 	218504.26	10369.70	0.492858	 	 	100.000000
	172	 	4	 	150839.06	6944.66	0.245951	 	 	0.000000
	173	 	4	 	214475.83	4657.80	0.282183	 	 	100.000000
	174	 	4	 	213238.17	7433.79	0.266668	 	 	0.000000
	175	 	4	 	445468.02	5922.10	0.292668	 	 	0.000000
	176	 	4	 	928973.82	12381.81	0.158408	 	 	0.000000
	177	 	4	 	327640.66	5054.45	0.236822	 	 	0.000000
	178	 	4	 	227108.19	9695.53	0.324561	 	 	0.000000
	179	 	4	 	287624.10	3967.56	0.257343	 	 	0.000000
	180	 	4	 	328666.89	8335.58	0.306429	 	 	100.000000
	181	 	4	 	427882.62	55205.96	0.263759	 	 	100.000000
	182	 	4	 	7743940.99	51802.97	0.331972	 	 	0.000000
	183	 	4	 	359404.00	6320.68	0.178228	 	 	0.000000
	184	 	4	 	100178.15	8514.64	0.380903	 	 	0.000000
	185	 	4	 	659742.97	7696.66	0.235255	 	 	0.000000
	186	 	4	 	80277.00	7309.54	0.200467	 	 	0.000000
	187	 	4	 	68060.26	5451.86	0.102610	 	 	0.000000
	188	 	4	 	415270.47	7325.01	0.294159	 	 	0.000000
	189	 	4	 	233775.62	5844.96	0.236866	 	 	0.000000
	190	 	4	 	600794.00	5359.20	0.192206	 	 	0.000000
	191	 	4	 	324286.56	6438.93	0.337643	 	 	0.000000
	192	 	4	 	1068689.22	21375.00	0.380000	 	 	 
	193	 	4	 	271567.00	4740.23	0.400000	 	 	 
	194	 	4	 	668674.86	8883.44	0.325500	 	 	70.000000
	195	 	4	 	2698358.00	15609.35	0.230000	 	 	100.000000
	196	 	4	 	680629.00	7256.25	0.270000	 	 	100.000000
	197	 	4	 	286666.96	3484.57	0.220100	 	 	100.000000
	198	 	4	 	351738.39	8502.65	0.363300	 	 	100.000000
	199	 	4	 	916337.63	14775.48	0.384500	 	 	100.000000
	200	 	4	 	1020355.80	5808.55	0.275600	 	 	 
	201	 	4	 	139193.50	8297.27	0.290318	 	 	 
	202	 	4	 	142195.04	7316.06	0.380312	 	 	 
	203	 	4	 	109494.57	6024.96	0.196464	 	 	100.000000
	204	 	4	 	476309.46	6241.37	0.182144	 	 	100.000000
	205	 	4	 	404016.96	16830.00	0.336600	 	 	100.000000
	206	 	4	 	256386.35	10750.73	0.164500	 	 	100.000000
	207	 	4	 	404695.87	8455.87	0.422598	 	 	100.000000
	208	 	4	 	219443.23	4932.56	0.298726	 	 	 
	209	 	4	 	143956.56	8304.67	0.425797	 	 	 
	210	 	4	 	44780.13	10278.12	0.392100	 	 	 
	211	 	4	 	124194.90	5997.31	0.197172	 	 	100.000000
	212	 	4	 	1178369.98	13955.96	0.259000	 	 	100.000000
	213	 	4	 	4323971.43	7849.48	0.339866	 	 	 
	214	 	4	 	294583.80	7253.91	0.440100	 	 	 
	215	 	4	 	308409.48	8979.50	0.366500	 	 	100.000000
	216	 	4	 	54106.65	5985.34	0.243257	 	 	100.000000
	217	 	4	 	221395.27	5812.53	0.447118	 	 	100.000000
	218	 	4	 	2836982.17	11511.18	0.416600	 	 	 
	219	 	4	 	185093.38	21420.04	0.433604	 	 	100.000000
	220	 	4	 	100999.34	6065.69	0.287965	 	 	 
	221	 	4	 	239606.38	7992.14	0.341676	 	 	100.000000
	222	 	4	 	182379.11	4747.54	0.425173	 	 	 
	223	 	4	 	77772.49	6116.65	0.244336	 	 	100.000000
	224	 	4	 	656151.44	8039.37	0.285918	 	 	100.000000
	225	 	4	 	306916.31	6092.52	0.262530	 	 	 
	226	 	4	 	72180.59	9888.40	0.324753	 	 	100.000000
	227	 	4	 	92750.62	5448.79	0.391964	 	 	 
	228	 	4	 	161766.86	4911.51	0.327241	 	 	87.631000
	229	 	4	 	209002.35	5495.90	0.306167	 	 	 
	230	 	4	 	258949.36	6968.92	0.241727	 	 	 
	231	 	4	 	2206298.53	6267.83	0.229306	 	 	100.000000
	232	 	4	 	782067.69	7995.88	0.329672	 	 	100.000000
	233	 	4	 	72715.61	7834.12	0.410663	 	 	 
	234	 	4	 	145672.32	5570.80	0.403525	 	 	100.000000
	235	 	4	 	144266.55	5052.30	0.269386	 	 	 
	236	 	4	 	236642.50	6435.32	0.429228	 	 	 
	237	 	4	 	597550.17	5224.06	0.309508	 	 	 
	238	 	4	 	408451.78	11868.81	0.269452	 	 	 
	239	 	4	 	301176.55	4607.69	0.214682	 	 	 
	240	 	4	 	147604.93	7491.96	0.391818	 	 	 
	241	 	4	 	190841.87	7727.21	0.149106	 	 	 
	242	 	4	 	118337.56	9133.38	0.239797	 	 	 
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	504	 	4	 	38166.08	3324.03	0.362306	 	 	 
	505	 	4	 	101805.25	4682.06	0.186428	 	 	 
	506	 	4	 	43500.56	4491.10	0.396889	 	 	 
	507	 	4	 	60205.28	5006.80	0.293306	 	 	 
	508	 	4	 	103939.09	9161.97	0.034819	 	 	 
	509	 	4	 	475191.44	5293.22	0.135146	 	 	 
	510	 	4	 	123221.64	6669.43	0.125202	 	 	 
	511	 	4	 	214422.85	10548.59	0.354762	 	 	 

 

	 	120	121	122	123	124	125	126	127	128
	 	City	State	Postal Code	Property Type	Occupancy	Sales Price	
        Original 

Appraised

        Property 

Value
	
        Original 

Property

        Valuation 

Type
	
        Original 

Property

        Valuation 

Date

	1	NEW YORK	NY	10024	2	1	 	1740000.00	3	20110914
	2	SAN FRANCISCO	CA	94118	1	1	1600000.00	1700000.00	3	20110602
	3	Portland	OR	97229	7	1	 	670000.00	3	20110906
	4	Burlingame	CA	94010	1	1	 	2100000.00	3	20121003
	5	BARRINGTON HILLS	IL	60010	1	1	 	900000.00	3	20120419
	6	Rancho Cucamonga	CA	91737	7	1	 	1100000.00	3	20120710
	7	Atlanta	GA	30339	7	1	 	885000.00	3	20120811
	8	LAS VEGAS	NV	89134	7	1	 	1400000.00	3	20120912
	9	RENO	NV	89511	7	1	 	820000.00	3	20120703
	10	TERRELL HILLS	TX	78209	1	1	 	1300000.00	3	20120727
	11	AUSTIN	TX	78746	7	1	 	1900000.00	3	20120821
	12	DALLAS	TX	75206	1	1	599000.00	603000.00	3	20120815
	13	SANTA FE	NM	87506	7	2	1025000.00	1075000.00	3	20120924
	14	LA JOLLA	CA	92037	1	1	 	2450000.00	3	20111126
	15	STUART	FL	34994	1	1	 	1150000.00	3	20120808
	16	BOCA RATON	FL	33496	7	2	 	1981000.00	3	20120907
	17	Coppell	TX	75019	1	1	 	1150000.00	3	20120710
	18	CARDIFF BY THE SEA	CA	92007	1	1	 	1400000.00	3	20120816
	19	OAKLAND	CA	94618	1	1	1695000.00	1550000.00	3	20120908
	20	Boston	MA	02116	4	1	 	1500000.00	3	20120702
	21	El Paso	TX	79912	7	1	 	1100000.00	3	20120126
	22	Dallas	TX	75230	1	1	1200000.00	1230000.00	3	20120723
	23	SAN FRANCISCO	CA	94127	1	1	 	1650000.00	3	20111121
	24	INCLINE VILLAGE	NV	89451	1	1	885000.00	885000.00	3	20120514
	25	GERMANTOWN	TN	38139	7	1	 	652000.00	3	20120517
	26	AUSTIN	TX	78701	4	1	 	1385000.00	3	20120505
	27	Portland	OR	97229	1	1	 	980000.00	3	20120314
	28	LONG BEACH	CA	90803	1	1	 	2400000.00	3	20120418
	29	WELLESLEY	MA	02481	1	1	 	895000.00	3	20120627
	30	Hillsborough	CA	94010	1	1	 	2220000.00	3	20120509
	31	PACIFIC PALISADES	CA	90272	1	1	2915000.00	3104000.00	3	20120712
	32	Katy	TX	77494	7	1	1195000.00	1195000.00	3	20120508
	33	Palm Beach Gardens	FL	33410	7	1	 	1165000.00	3	20120425
	34	Bellaire	TX	77401	1	1	935000.00	935000.00	3	20120604
	35	Gaithersburg	MD	20878	7	1	860000.00	860000.00	3	20120607
	36	NORWELL	MA	02061	1	1	 	940000.00	3	20120516
	37	Arlington	VA	22207	1	1	995000.00	995000.00	3	20120615
	38	Millbrae	CA	94030	1	1	 	1325000.00	3	20120502
	39	CHICAGO	IL	60622	1	1	925000.00	950000.00	3	20120321
	40	FERNANDINA BEACH	FL	32034	3	2	239000.00	240000.00	3	20120511
	41	TAHOMA	CA	96142	7	2	825000.00	825000.00	3	20120518
	42	Dallas	TX	75225	1	1	940000.00	962500.00	3	20120705
	43	Wildwood	MO	63038	7	1	1200000.00	1210000.00	3	20120409
	44	Lewisville	TX	75056	7	1	 	691000.00	3	20120705
	45	LAIE	HI	96762	1	3	1475000.00	1600000.00	3	20120411
	46	Dallas	TX	75220	1	1	 	700000.00	3	20120515
	47	BOULDER	CO	80304	1	1	 	780000.00	3	20120621
	48	Dallas	TX	75229	1	1	1250000.00	1290000.00	3	20120531
	49	Great Falls	VA	22066	1	1	 	1020000.00	3	20120601
	50	BELLEVUE	WA	98006	7	1	 	1150000.00	3	20120619
	51	BEVERLY HILLS	CA	90211	1	1	 	1775000.00	3	20120628
	52	CYPRESS	TX	77429	7	1	 	1200000.00	3	20120628
	53	Weston	FL	33327	7	1	1052125.00	1076500.00	3	20120621
	54	Issaquah	WA	98027	1	1	1300000.00	1350000.00	3	20120606
	55	Kentfield	CA	94904	1	1	 	3717000.00	3	20120504
	56	Houston	TX	77005	1	1	1250000.00	1250000.00	3	20120529
	57	San Francisco	CA	94107	3	2	 	900000.00	3	20120516
	58	LOS ANGELES	CA	90024	1	1	2005000.00	2005000.00	3	20120410
	59	SARATOGA	CA	95070	1	1	 	2075000.00	3	20120426
	60	CHICAGO	IL	60613	1	1	827500.00	830000.00	3	20120410
	61	Sunnyvale	CA	94087	1	1	1450000.00	1450000.00	3	20120406
	62	OAK PARK	IL	60302	1	1	900000.00	920000.00	3	20120527
	63	Los Angeles	CA	90019	1	1	1015000.00	1040000.00	3	20120404
	64	La Selva Beach	CA	95076	1	1	 	1450000.00	3	20120629
	65	PLEASANTON	CA	94566	7	1	1070000.00	1070000.00	3	20120503
	66	San Diego	CA	92127	7	1	1200000.00	1200000.00	3	20120523
	67	Los Gatos	CA	95030	1	1	1750000.00	1750000.00	3	20120514
	68	Bellaire	TX	77401	1	1	1100000.00	1110000.00	3	20120515
	69	Longwood	FL	32779	7	1	925000.00	925000.00	3	20120621
	70	McLean	VA	22102	1	1	 	1690000.00	3	20120302
	71	LA JOLLA	CA	92037	1	1	 	1300000.00	3	20120307
	72	Dallas	TX	75209	1	1	 	1800000.00	3	20110911
	73	ATLANTA	GA	30324	1	1	 	860000.00	3	20110920
	74	La grange	KY	40031	1	1	 	590000.00	3	20111019
	75	Olympia	WA	98502	1	1	 	809000.00	3	20120213
	76	Houston	TX	77024	7	1	1835000.00	1875000.00	3	20110523
	77	SAINT AUGUSTINE	FL	32080	1	2	 	964000.00	3	20110429
	78	VENTURA	CA	93001	1	1	 	900000.00	3	20120425
	79	Mooresville	NC	28117	7	1	1375000.00	1435000.00	3	20111205
	80	HUMBLE	TX	77346	7	1	 	190000.00	3	20101122
	81	SPICEWOOD	TX	78669	7	1	 	1275000.00	3	20120203
	82	Plano	TX	75093	1	1	 	785000.00	3	20110808
	83	FOREST HILL	MD	21050	7	1	 	908000.00	3	20111005
	84	ATLANTIC BEACH	FL	32233	1	1	 	1075000.00	3	20120217
	85	ARLINGTON	TX	76012	7	1	 	930800.00	3	20111123
	86	JACKSONVILLE	FL	32224	7	1	 	975000.00	3	20110907
	87	Golden	CO	80403	1	1	 	740000.00	3	20110128
	88	Houston	TX	77005	1	1	 	1520000.00	3	20110118
	89	HOUSTON	TX	77024	7	1	 	2290000.00	3	20111017
	90	ATLANTA	GA	30327	7	1	 	1113000.00	3	20110224
	91	Englewood	CO	80111	1	1	 	1900000.00	3	20110305
	92	ORINDA	CA	94563	1	1	 	1620000.00	3	20120218
	93	NAPLES	FL	34102	1	1	 	2086000.00	3	20111014
	94	NORMAN	OK	73072	7	1	1160000.00	1160000.00	3	20110128
	95	RALEIGH	NC	27614	7	1	 	860000.00	3	20120222
	96	Boca Raton	FL	33486	1	1	 	790000.00	3	20120227
	97	BETTENDORF	IA	52722	1	1	 	723000.00	3	20120615
	98	Fairview	TX	75069	7	1	 	1250000.00	3	20120223
	99	Chester	CA	96020	7	2	 	1750000.00	3	20120504
	100	Bellaire	TX	77401	1	1	 	891000.00	3	20110715
	101	Southlake	TX	76092	7	1	 	870000.00	3	20111118
	102	Fort Worth	TX	76107	1	1	 	3700000.00	3	20120713
	103	Tulsa	OK	74105	1	1	 	730000.00	3	20120625
	104	Bellaire	TX	77401	1	1	 	1100000.00	3	20101230
	105	University Park	TX	75205	1	3	 	1075000.00	3	20120518
	106	Hinsdale	IL	60521	1	1	 	965000.00	3	20120126
	107	POTOMAC	MD	20854	7	1	 	995000.00	3	20101130
	108	Winnetka	IL	60093	1	1	 	1190000.00	3	20110301
	109	KNOXVILLE	TN	37934	1	1	 	1625000.00	3	20101201
	110	AUSTIN	TX	78733	7	1	 	722500.00	3	20110815
	111	WINTER PARK	FL	32789	1	1	 	840000.00	3	20110214
	112	Seattle	WA	98117	1	1	 	725000.00	3	20120608
	113	Truckee	CA	96161	7	2	 	3800000.00	3	20120309
	114	MERCER ISLAND	WA	98040	1	1	 	1174000.00	3	20111108
	115	JUPITER	FL	33477	1	1	 	758000.00	3	20110309
	116	Heath	TX	75032	7	1	 	1195000.00	3	20100930
	117	TOMBALL	TX	77377	1	1	 	850000.00	3	20101229
	118	Horseshoe Bay	TX	78657	7	1	 	605000.00	3	20101119
	119	Houston	TX	77005	1	1	1180000.00	1200000.00	3	20111207
	120	EVANSVILLE	IN	47715	1	1	 	1300000.00	3	20110628
	121	Dallas	TX	75218	1	1	 	720000.00	3	20120215
	122	Greenville	SC	29607	1	1	 	1045000.00	3	20111012
	123	BOULDER	CO	80302	7	1	 	920000.00	3	20120521
	124	Houston	TX	77027	7	1	1085000.00	1125000.00	3	20110224
	125	RIDGE	NY	11961	1	1	 	290000.00	3	20101211
	126	Friendswood	TX	77546	7	1	 	750000.00	3	20110302
	127	Kingwood	TX	77339	7	1	 	2500000.00	3	20120605
	128	Miami	FL	33146	1	1	 	800000.00	3	20111029
	129	NEW ORLEANS	LA	70118	1	1	 	1230000.00	3	20120214
	130	PIERRE	SD	57501	1	1	 	208500.00	3	20101203
	131	WESTERLY	RI	02891	1	2	 	725000.00	3	20111103
	132	MEDIA	PA	19063	1	1	 	900000.00	3	20111022
	133	MOUNTAIN BROOK	AL	35209	1	1	 	895000.00	3	20110218
	134	Austin	TX	78730	7	1	 	1060000.00	3	20110225
	135	WILLIAMSBURG	VA	23185	7	1	 	1300000.00	3	20101220
	136	Montgomery	TX	77356	7	1	 	1100000.00	3	20120223
	137	Del Mar	CA	92014	3	2	 	950000.00	3	20120130
	138	Dillon	CO	80435	7	1	 	1800000.00	3	20110418
	139	CHICAGO	IL	60622	1	1	 	750000.00	3	20120527
	140	GRANGER	IN	46530	7	1	 	750000.00	3	20111128
	141	Boerne	TX	78006	7	1	 	1600000.00	3	20110621
	142	Dallas	TX	75209	1	1	 	775000.00	3	20110714
	143	Dallas	TX	75229	1	1	 	2300000.00	3	20110616
	144	HOUSTON	TX	77024	1	1	 	1600000.00	3	20110805
	145	Dalworthington Gardens	TX	76016	1	1	 	725000.00	3	20110930
	146	Houston	TX	77030	7	1	 	750000.00	3	20110627
	147	Bellaire	TX	77401	1	1	 	903000.00	3	20120306
	148	Boerne	TX	78006	7	1	 	1890000.00	3	20110422
	149	HOLMDEL	NJ	07733	1	1	 	675000.00	3	20101120
	150	Bellaire	TX	77401	1	1	 	1150000.00	3	20120209
	151	SAN CLEMENTE	CA	92672	1	1	 	1675000.00	3	20110502
	152	PONTE VEDRA BEACH	FL	32082	7	1	 	710000.00	3	20111011
	153	Key Biscayne	FL	33149	1	1	 	1825000.00	3	20110923
	154	KETCHUM	ID	83340	1	1	 	930000.00	3	20111110
	155	Houston	TX	77025	7	1	 	790000.00	3	20111004
	156	SAN DIEGO	CA	92131	7	1	 	1080000.00	3	20120727
	157	Satellite Beach	FL	32937	7	1	925000.00	925000.00	3	20120712
	158	CARMEL	IN	46032	7	1	 	615000.00	3	20120627
	159	SPRING LAKE	MI	49456	1	1	 	1030000.00	3	20120814
	160	FARMINGTON	NM	87401	1	1	 	1000000.00	3	20120725
	161	Breckenridge	CO	80424	7	1	952500.00	970000.00	3	20120625
	162	SEA RANCH LAKES	FL	33308	7	1	 	1200000.00	3	20120611
	163	WESTON	MA	02493	1	1	 	1450000.00	3	20120626
	164	EDGEWATER	MD	21037	1	1	 	1722000.00	3	20120703
	165	HOLLYWOOD	CA	90068	1	1	 	2000000.00	3	20120720
	166	RICHFIELD	OH	44286	1	1	 	850000.00	3	20120714
	167	KIRKLAND	WA	98033	3	1	 	1000000.00	3	20120718
	168	Parker	CO	80138	7	1	835000.00	875000.00	3	20120630
	169	Columbine Valley	CO	80123	7	1	 	890000.00	3	20120710
	170	Boca Raton	FL	33433	7	1	1500000.00	1425000.00	3	20120309
	171	WEST PALM BEACH	FL	33410	7	1	2050000.00	2200000.00	3	20120621
	172	WILLIS	TX	77318	7	1	 	855000.00	3	20120719
	173	San Francisco	CA	94131	1	1	922000.00	922000.00	3	20120705
	174	Menlo Park	CA	94025	1	1	 	1400000.00	3	20120716
	175	Bass Lake	CA	93604	1	1	 	1000000.00	3	20120706
	176	Coral Gables	FL	33143	1	1	 	2600000.00	3	20120719
	177	PONTE VEDRA	FL	32082	1	1	 	1095000.00	3	20120618
	178	WEST NEWTON	MA	02465	1	1	 	1485000.00	3	20120711
	179	Chapel HIll	NC	27517	1	1	 	875000.00	3	20120713
	180	Austin	TX	78704	1	1	725000.00	735000.00	3	20120717
	181	Dallas	TX	75209	1	1	1123750.00	1200000.00	3	20120612
	182	FORT WORTH	TX	76107	1	1	 	5000000.00	3	20120711
	183	AUSTIN	TX	78731	1	1	 	880000.00	3	20120626
	184	PALOS VERDES ESTATES	CA	90275	1	1	 	1150000.00	3	20120728
	185	REDWOOD CITY	CA	94065	7	1	 	1350000.00	3	20120726
	186	Jacksonville	FL	32225	7	1	 	800000.00	3	20120719
	187	BATON ROUGE	LA	70808	1	1	 	1100000.00	3	20120625
	188	MINNEAPOLIS	MN	55403	1	1	 	980000.00	3	20120814
	189	CORVALLIS	OR	97330	1	1	 	950000.00	3	20120712
	190	OWINGS MILLS	MD	21117	1	1	 	810000.00	3	20120618
	191	FORT WORTH	TX	76132	7	1	 	735000.00	3	20120730
	192	GEYSERVILLE	CA	95441	1	2	 	3400000.00	3	20111119
	193	ORINDA	CA	94563	1	1	 	1400000.00	3	20110830
	194	OLD GREENWICH	CT	06870	7	1	2750000.00	2800000.00	3	20111024
	195	SAN FRANCISCO	CA	94115	4	1	3450000.00	3450000.00	3	20110429
	196	BROOKLYN	NY	11231	13	1	1699999.00	1700000.00	3	20110601
	197	FAYETTEVILLE	AR	72703	1	1	650000.00	652000.00	3	20111107
	198	TUXEDO	NY	10987	1	1	675000.00	675000.00	3	20110907
	199	SHORT HILLS	NJ	07078	1	1	1890000.00	1890000.00	3	20110429
	200	CROSS LAKE	MN	56442	1	2	 	1230000.00	3	20110907
	201	Paradise Valley	AZ	85253	1	1	 	1730000.00	3	20120828
	202	San Mateo	CA	94402	1	1	 	1500000.00	3	20120326
	203	Dallas	TX	75209	1	1	985000.00	995000.00	3	20120418
	204	SCOTTSDALE	AZ	85258	1	1	900000.00	1050000.00	3	20120216
	205	AUSTIN	TX	78703	1	1	1300000.00	1340000.00	3	20120430
	206	PANAMA CITY BEACH	FL	32413	7	2	1160000.00	1160000.00	3	20120509
	207	BELLAIRE	TX	77401	1	1	1079000.00	1100000.00	3	20120621
	208	Dallas	TX	75225	1	1	 	1119000.00	3	20120411
	209	MIAMI BEACH	FL	33140	1	1	 	1600000.00	3	20111208
	210	OXFORD	MS	38655	1	1	 	1315000.00	3	20111024
	211	PONTE VEDRA BEACH	FL	32082	1	1	1390000.00	1450000.00	3	20120218
	212	SANTA ROSA BEACH	FL	32459	7	2	1103000.00	1252000.00	3	20120427
	213	Addison	TX	75254	1	1	 	1031000.00	3	20120531
	214	IRVINE	CA	92606	7	1	 	1050000.00	3	20120504
	215	WATERSOUND	FL	32413	3	2	995000.00	996000.00	3	20120517
	216	NAPLES	FL	34109	7	1	938900.00	940000.00	3	20120608
	217	WESTON	FL	33332	7	1	925000.00	1000000.00	3	20120321
	218	TENAFLY	NJ	07670	1	1	 	1575000.00	3	20120216
	219	LOS ANGELES	CA	90266	1	1	1775000.00	1790000.00	3	20120208
	220	Missoula	MT	59802	1	1	 	850000.00	3	20120605
	221	Vancouver	WA	98661	3	1	664000.00	665000.00	3	20120730
	222	Bellevue	WA	98004	1	1	 	1050000.00	3	20120924
	223	Seattle	WA	98144	1	1	1256500.00	1260000.00	3	20121008
	224	Kirkland	WA	98033	1	1	1040000.00	1045000.00	3	20121018
	225	San Francisco	CA	94117	1	1	 	1750000.00	3	20120720
	226	San Francisco	CA	94118	3	1	1300000.00	1300000.00	3	20120813
	227	Redwood City	CA	94061	1	1	 	1000000.00	3	20120804
	228	Orinda	CA	94563	1	1	923000.00	923000.00	3	20120907
	229	Redwood City	CA	94062	1	1	 	1310000.00	3	20121004
	230	La Jolla	CA	92037	1	1	 	1062000.00	3	20120806
	231	Saratoga	CA	95070	1	1	1485000.00	1500000.00	3	20121010
	232	Mill Valley	CA	94941	1	1	2200000.00	2200000.00	3	20121013
	233	San Anselmo	CA	94960	1	1	 	1350000.00	3	20120904
	234	Golden	CO	80401	7	1	775000.00	775000.00	3	20120919
	235	Greeley	CO	80631	1	1	 	985000.00	3	20120601
	236	ALAMO	CA	94507	1	1	 	1200000.00	3	20120702
	237	San Rafael	CA	94901	1	1	 	1250000.00	3	20120626
	238	Portland	OR	97210	1	1	 	1250000.00	98	20120815
	239	Virginia Beach	VA	23454	1	1	 	715000.00	3	20120825
	240	Stillwater	MN	55082	1	1	 	800000.00	3	20120910
	241	Centreville	VA	20120	7	1	 	930000.00	3	20120907
	242	Newport Coast	CA	92657	7	1	 	1200000.00	3	20120905
	243	Lakeland	FL	33803	7	1	 	1140000.00	3	20120918
	244	Santa Fe	NM	87505	1	1	 	1200000.00	3	20120917
	245	Austin	TX	78703	1	1	 	738000.00	3	20120830
	246	WASHINGTON TWP	MI	48094	6	1	 	710000.00	3	20120910
	247	Indianapolis	IN	46250	7	1	 	1625000.00	3	20121008
	248	Atlanta	GA	30338	7	1	648000.00	650000.00	3	20120919
	249	Jupiter	FL	33458	7	1	895000.00	895000.00	3	20120927
	250	SAN DIEGO	CA	92103	1	1	 	1320000.00	3	20121001
	251	Los Angeles	CA	90034	1	1	 	1820000.00	3	20120927
	252	Brisbane	CA	94005	1	1	 	765000.00	3	20121022
	253	San Ramon	CA	94583	1	1	 	1212000.00	3	20120906
	254	FAIRFIELD	CT	06824	1	1	 	4800000.00	3	20120810
	255	DANVILLE	CA	94506	7	1	1099000.00	1100000.00	3	20120730
	256	BOULDER	CO	80302	1	1	1600000.00	1600000.00	3	20120824
	257	PHOENIX	AZ	85050	7	1	750000.00	750000.00	3	20120911
	258	MILTON	DE	19968	1	2	750000.00	765000.00	3	20120823
	259	SPRING	TX	77382	1	1	 	733500.00	3	20120924
	260	PHOENIX	AZ	85048	7	1	725000.00	725000.00	3	20120919
	261	Yorba Linda	CA	92886	1	1	 	1160000.00	3	20121019
	262	GLENELG	MD	21737	7	1	1000000.00	1001000.00	3	20120924
	263	HIGHLAND PARK	TX	75205	1	1	1052050.00	1115000.00	3	20121001
	264	MARYSVILLE	WA	98271	1	1	795000.00	800000.00	3	20120926
	265	NOVATO	CA	94945	1	1	1275000.00	1275000.00	3	20120620
	266	TORRANCE	CA	90501	1	1	804000.00	810000.00	3	20120827
	267	St. Louis	MO	63128	1	1	 	760000.00	3	20120725
	268	LOOMIS	CA	95650	1	1	 	900000.00	3	20120807
	269	Chesterfield	MO	63005	7	1	 	705000.00	3	20120830
	270	St. Louis	MO	63124	1	1	 	707500.00	3	20120928
	271	Las Vegas	NV	89135	7	1	 	1600000.00	3	20120820
	272	Weston	FL	33331	7	1	685000.00	775000.00	3	20120920
	273	RANCHO SANTA MARGARITA	CA	92679	6	1	860000.00	865000.00	3	20121016
	274	Colleyville	TX	76034	1	1	 	1150000.00	3	20120622
	275	San Carlos	CA	94070	1	1	 	1390000.00	3	20120720
	276	San Fransisco	CA	94107	1	1	 	1400000.00	3	20120801
	277	Santa Clarita	CA	91390	1	1	 	1145000.00	3	20120910
	278	Seattle	WA	98112	1	1	998000.00	998000.00	3	20121008
	279	MENLO PARK	CA	94025	1	1	 	1440000.00	3	20120208
	280	MENLO PARK	CA	94025	3	1	 	1290000.00	3	20120715
	281	BOCA RATON	FL	33496	7	1	 	1290000.00	3	20120808
	282	SAN MATEO	CA	94402	1	1	 	2400000.00	3	20120713
	283	SANTA BARBARA	CA	93108	1	1	 	1930000.00	3	20120815
	284	WALNUT CREEK	CA	94596	1	1	 	1000000.00	3	20120911
	285	LOS ALAMITOS	CA	90720	1	1	 	1565000.00	3	20120821
	286	HALF MOON BAY	CA	94019	1	1	 	1369000.00	3	20120828
	287	STRATTON	VT	05155	1	2	 	2050000.00	3	20120912
	288	DUBLIN	CA	94568	7	1	878923.00	879000.00	3	20120822
	289	SCOTTSDALE	AZ	85255	7	1	 	2500000.00	3	20120904
	290	IRVINE	CA	92620	7	1	 	1200000.00	3	20120923
	291	OAKLAND	CA	94618	1	1	 	1245000.00	3	20121015
	292	WIMBERLEY	TX	78676	1	1	 	854700.00	3	20120824
	293	LOS ANGELES	CA	90068	1	1	 	916000.00	3	20120917
	294	IRVINE	CA	92603	7	1	 	1445000.00	3	20120912
	295	LOS ANGELES	CA	90049	1	1	 	1650000.00	3	20121018
	296	GRANITE BAY	CA	95746	1	1	 	1000000.00	3	20121018
	297	LOS ANGELES	CA	90077	7	1	1490000.00	1490000.00	3	20120925
	298	RANCHO CUCAMONGA	CA	91737	1	1	650000.00	650000.00	3	20120924
	299	NORTH EASTON	MA	02356	1	1	 	650000.00	3	20120924
	300	TORRANCE	CA	90503	1	1	 	940000.00	3	20120922
	301	LA JOLLA	CA	92037	1	1	900000.00	900000.00	3	20121106
	302	SAN FRANCISCO	CA	94127	1	1	979000.00	979000.00	3	20120906
	303	SANTA BARBARA	CA	93108	3	1	 	1550000.00	3	20121018
	304	MOUNTAIN VIEW	CA	94040	1	1	 	1510000.00	3	20121004
	305	EL CAJON	CA	92021	1	1	 	1200000.00	3	20121015
	306	Englewood	CO	80113	7	1	 	1475000.00	3	20120926
	307	Virginia Beach	VA	23454	1	1	730000.00	738000.00	3	20120925
	308	Santa Barbara	CA	93108	1	1	1900000.00	1900000.00	3	20120928
	309	Granite Bay	CA	95746	7	1	 	750000.00	3	20120913
	310	Berkeley	CA	94705	1	1	 	960000.00	3	20120908
	311	Rehoboth Beach	DE	19971	7	1	1325000.00	1325000.00	3	20120911
	312	Granite Bay	CA	95746	7	1	850000.00	850000.00	3	20120914
	313	DANVILLE	CA	94506	1	1	 	1425000.00	3	20120605
	314	PLEASANTON	CA	94566	1	1	 	1008000.00	3	20120701
	315	TAHOE CITY	CA	96145	7	2	 	900000.00	3	20120722
	316	ALBANY	CA	94706	1	1	936500.00	960000.00	3	20120812
	317	SAN JOSE	CA	95135	1	1	 	1055000.00	3	20120905
	318	REDWOOD CITY	CA	94062	1	1	 	1200000.00	3	20120830
	319	DANVILLE	CA	94506	7	1	 	1025000.00	3	20120831
	320	LOS ALTOS HILLS	CA	94022	1	1	 	2250000.00	3	20120905
	321	SAN FRANCISCO	CA	94114	1	1	 	1475000.00	3	20120917
	322	SAN MATEO	CA	94403	1	1	 	1300000.00	3	20120912
	323	SAN DIEGO	CA	92131	7	1	 	860000.00	3	20120913
	324	LIVERMORE	CA	94550	7	1	 	1060000.00	3	20120912
	325	ALAMEDA	CA	94502	7	1	1300000.00	1230000.00	3	20120913
	326	BERKELEY	CA	94708	1	1	 	1385000.00	3	20121006
	327	LAGUNA BEACH	CA	92651	7	1	 	4500000.00	3	20120913
	328	SAN JOSE	CA	95120	1	1	 	975000.00	3	20121003
	329	PLEASANTON	CA	94566	1	1	 	1516000.00	3	20121024
	330	KENSINGTON	CA	94707	1	1	1184000.00	1184000.00	3	20121010
	331	WOODLAND HILLS	CA	91367	7	1	 	1100000.00	3	20121008
	332	SAN DIEGO	CA	92130	7	1	 	1020000.00	3	20121010
	333	SAN DIEGO	CA	92107	1	1	829000.00	830000.00	3	20121008
	334	SEBASTOPOL	CA	95472	1	1	665000.00	665000.00	3	20121003
	335	SAN FRANCISCO	CA	94132	1	1	 	1150000.00	3	20121003
	336	SAN JOSE	CA	95120	6	1	 	853500.00	3	20120927
	337	LOS ALTOS	CA	94022	1	1	 	1455000.00	3	20120904
	338	NAPA	CA	94558	1	2	1100000.00	1100000.00	3	20121003
	339	LAFAYETTE	CA	94549	1	1	975000.00	1024000.00	3	20121012
	340	PASADENA	CA	91103	1	1	 	2100000.00	3	20121008
	341	NEEDHAM	MA	02494	1	1	 	1175000.00	3	20120727
	342	Southboro	MA	01772	1	1	 	685000.00	3	20120820
	343	Newton	MA	02460	1	1	720000.00	720000.00	3	20121003
	344	Prosper	TX	75058	7	1	932204.73	905000.00	3	20120924
	345	NORTHFIELD	IL	60093	1	1	 	1000000.00	3	20120713
	346	WESTERN SPRINGS	IL	60558	1	1	1425000.00	1425000.00	3	20120725
	347	WILMETTE	IL	60091	1	1	 	1500000.00	3	20120810
	348	CHICAGO	IL	60657	1	1	1280000.00	1300000.00	3	20120718
	349	HINSDALE	IL	60521	1	1	 	1250000.00	3	20120730
	350	NAPERVILLE	IL	60540	1	1	 	1050000.00	3	20120723
	351	CLARENDON HILLS	IL	60514	1	1	 	1095000.00	3	20120730
	352	ELMHURST	IL	60126	1	1	 	740000.00	3	20120801
	353	Nashville	TN	37205	1	1	 	1425000.00	3	20120611
	354	Duluth	GA	30097	7	1	 	800000.00	3	20120621
	355	Hilton Head Island	SC	29928	1	2	1500000.00	1500000.00	3	20120917
	356	dunwoody	GA	30338	1	1	812500.00	812500.00	3	20120926
	357	REDMOND	WA	98074	7	1	 	1928000.00	3	20121005
	358	WOODINVILLE	WA	98077	7	1	720000.00	725000.00	3	20121002
	359	SAMMAMISH	WA	98075	7	1	745000.00	745000.00	3	20121018
	360	KELSO	WA	98626	1	1	 	832000.00	3	20121015
	361	San Carlos	CA	94070	1	1	 	1450000.00	3	20120720
	362	Boston	MA	02118	1	1	 	1850000.00	3	20120828
	363	North Bend	WA	98045	1	1	 	975000.00	3	20120828
	364	San Mateo	CA	94403	1	1	 	1250000.00	3	20120830
	365	Millbrae	CA	94030	1	1	1175000.00	1175000.00	3	20120816
	366	Wellesley	MA	02481	1	1	1352000.00	1400000.00	3	20120913
	367	San Mateo	CA	94402	1	1	 	1890000.00	3	20120919
	368	Hingham	MA	02043	1	1	1465000.00	1465000.00	3	20120912
	369	Weston	MA	02493	1	1	870000.00	870000.00	3	20121003
	370	San Francisco	CA	94114	1	1	1575000.00	1575000.00	3	20121002
	371	LARKSPUR	CA	94939	1	1	 	1200000.00	3	20120913
	372	NEWPORT BEACH	CA	92663	1	1	 	2000000.00	3	20120917
	373	BASS LAKE	CA	93604	1	1	 	700000.00	3	20120917
	374	DENVER	CO	80209	1	1	 	1225000.00	3	20121001
	375	LA JOLLA	CA	92037	1	1	1205000.00	1205000.00	3	20120925
	376	PALO ALTO	CA	94303	1	1	 	2300000.00	3	20121014
	377	SAN DIEGO	CA	92130	7	1	 	1900000.00	3	20121004
	378	LAS VEGAS	NV	89141	7	1	699990.00	700000.00	3	20121020
	379	LOS ANGELES	CA	90064	1	1	 	1670000.00	3	20121001
	380	IRVINE	CA	92620	7	1	 	1271000.00	3	20120731
	381	GIG HARBOR	WA	98332	1	1	1075000.00	1075000.00	3	20121010
	382	SAN DIEGO	CA	92130	7	1	 	1068000.00	3	20120810
	383	New York	NY	10065	2	1	 	2900000.00	3	20120927
	384	PROVINCETOWN	MA	02657	1	1	872000.00	875000.00	3	20120906
	385	Santa Monica	CA	90402	1	1	 	2280000.00	3	20121003
	386	Fairfield	CT	06824	1	1	 	1015000.00	3	20121009
	387	Oakland	CA	94619	1	1	 	1650000.00	3	20120706
	388	MANHATTAN BEACH	CA	90266	1	1	 	1575000.00	3	20121001
	389	Walnut Creek	CA	94595	1	1	 	1150000.00	3	20120925
	390	Boulder	CO	80304	1	1	 	1125000.00	3	20121009
	391	WALNUT CREEK	CA	94598	1	1	875000.00	875000.00	3	20121008
	392	SAN DIEGO	CA	92130	1	1	1045000.00	1045000.00	3	20121012
	393	VISALIA	CA	93291	1	1	980000.00	980000.00	3	20121011
	394	Los Gatos	CA	95030	1	2	2150000.00	2150000.00	3	20121018
	395	Indian Harbo	FL	32937	7	1	1050000.00	1090000.00	3	20120831
	396	Staten Island	NY	10309	7	1	927500.00	925000.00	3	20120904
	397	SAN FRANCISCO	CA	94131	12	1	 	1450000.00	3	20120918
	398	THOUSAND OAKS	CA	91361	7	1	 	975000.00	3	20120924
	399	SAN FRANCISCO	CA	94127	1	1	875000.00	875000.00	3	20120920
	400	Hingham	MA	02043	1	1	 	796000.00	3	20120906
	401	Needham	MA	02492	1	1	 	760000.00	3	20120920
	402	Medfield	MA	02052	1	1	 	1180000.00	3	20120911
	403	Natick	MA	01760	1	1	1150000.00	1150000.00	3	20120919
	404	Cohasset	MA	02025	1	1	910000.00	930000.00	3	20120924
	405	Concord	MA	01742	1	1	 	835000.00	3	20120618
	406	Norfolk	MA	02056	1	1	 	655000.00	3	20120913
	407	Salem	SC	29676	7	1	 	1150000.00	3	20120723
	408	Oak Park	IL	60302	1	1	 	979000.00	3	20120607
	409	Menlo Park	CA	94025	1	1	 	2320000.00	3	20120801
	410	Palo Alto	CA	94306	12	1	 	1600000.00	3	20120728
	411	MILL VALLEY	CA	94941	1	1	 	2507000.00	3	20120814
	412	Sugar Land	TX	77479	7	1	 	1024000.00	3	20120808
	413	YARROW POINT	WA	98004	1	1	 	1300000.00	3	20120813
	414	Bellevue	WA	98006	7	1	 	1160000.00	3	20120814
	415	San Diego	CA	92130	7	1	 	831000.00	3	20120804
	416	La Canada Flintridge	CA	91011	1	1	 	1350000.00	3	20120710
	417	Burlingame	CA	94010	1	1	 	1650000.00	3	20120828
	418	Los Gatos	CA	95032	1	1	1273000.00	1300000.00	3	20120822
	419	Lexington	MA	02420	1	1	 	1270000.00	3	20120917
	420	Kirkland	WA	98033	1	1	875000.00	876000.00	3	20120919
	421	Mountain View	CA	94040	1	1	 	1600000.00	3	20120927
	422	Hillsborough	NJ	08844	7	1	 	925000.00	3	20120822
	423	Huntington Beach	CA	92649	7	1	1335595.00	1335595.00	3	20121006
	424	Orinda	CA	94563	1	1	 	1175000.00	3	20121003
	425	Menlo Park	CA	94025	6	1	 	1200000.00	3	20120716
	426	HOUMA	LA	70360	1	1	 	1468000.00	3	20120814
	427	MERCER ISLAND	WA	98040	1	1	740000.00	775000.00	3	20120921
	428	OOLTEWAH	TN	37363	1	1	1100000.00	1100000.00	3	20121004
	429	manhattan Beach	CA	90266	1	1	1750000.00	1750000.00	3	20121011
	430	BOERNE	TX	78006	7	1	1410000.00	1400000.00	3	20121009
	431	CHICAGO	IL	60611	4	1	1575000.00	1575000.00	3	20120718
	432	ALAMO	CA	94507	1	1	1375000.00	1375000.00	3	20121005
	433	SAN ANSELMO	CA	94960	1	1	 	3200000.00	3	20120511
	434	SAN FRANCISCO	CA	94115	3	1	1050000.00	1050000.00	3	20120706
	435	SAN FRANCISCO	CA	94131	1	1	1170000.00	1175000.00	3	20120803
	436	San Francisco	CA	94109	3	1	 	1350000.00	3	20120920
	437	SAN FRANCISCO	CA	94105	4	1	 	1130000.00	3	20120920
	438	LAFAYETTE	CA	94549	1	1	1340000.00	1355000.00	3	20120917
	439	SAN FRANCISCO	CA	94118	3	1	1410000.00	1410000.00	3	20120926
	440	SAN RAFAEL	CA	94901	14	3	900000.00	900000.00	3	20120926
	441	APTOS	CA	95003	1	2	849000.00	849000.00	3	20121025
	442	TIBURON	CA	94920	1	1	1625000.00	1855000.00	3	20121022
	443	ORINDA	CA	94563	1	1	958000.00	958000.00	3	20121026
	444	SAN FRANCISCO	CA	94114	1	1	1950000.00	1950000.00	3	20121019
	445	Malibu	CA	90265	1	1	 	2900000.00	3	20121114
	446	Santa Monica	CA	90402	1	1	 	2500000.00	3	20121010
	447	Kenwood	CA	95452	1	3	 	1100000.00	3	20121011
	448	SAN FRANCSICO	CA	94114	1	1	1750000.00	1750000.00	3	20121023
	449	Cayucos	CA	93430	1	2	1586000.00	1600000.00	3	20121109
	450	Menlo Park	CA	94025	1	1	 	1665000.00	3	20120718
	451	Mountain View	CA	94040	1	1	 	1150000.00	3	20120716
	452	DUBLIN	CA	94568	7	1	820000.00	820000.00	3	20120706
	453	Vienna	VA	22182	7	1	895000.00	900000.00	3	20120627
	454	GREENWOOD VILLAGE	CO	80121	7	1	 	965000.00	3	20120702
	455	Santa Barbara	CA	93110	7	1	2370000.00	2370000.00	3	20120709
	456	CHICAGO	IL	60637	1	1	924500.00	943000.00	3	20120724
	457	Campbell	CA	95008	1	1	939000.00	939000.00	3	20120730
	458	Los Angeles	CA	90046	1	1	1865000.00	1775000.00	3	20120812
	459	Mountain View	CA	94041	7	1	1152955.00	1155000.00	3	20120805
	460	Los Altos	CA	94024	1	1	 	2300000.00	3	20120720
	461	COTO DE CAZA	CA	92679	7	1	 	1120000.00	3	20120711
	462	SANTA ROSA	CA	95404	1	1	 	830000.00	3	20120725
	463	Glendale	CA	91202	1	1	 	1100000.00	3	20120731
	464	Palm Springs	CA	92262	1	1	 	805000.00	3	20120619
	465	Mountain View	CA	94040	1	1	 	1300000.00	3	20120809
	466	Lafayette	CA	94549	1	1	 	1330000.00	3	20120727
	467	Pacifica	CA	94044	1	1	 	1000000.00	3	20120723
	468	Fremont	CA	94539	1	1	 	847000.00	3	20120725
	469	Saratoga	CA	95070	1	1	 	1640000.00	3	20120713
	470	Danville	CA	94526	1	1	 	1000000.00	3	20120724
	471	Jacksonville	FL	32224	7	1	658000.00	680000.00	3	20120730
	472	Fort Lauderdale	FL	33301	7	1	725000.00	855000.00	3	20120717
	473	Jacksonville	FL	32256	7	1	770000.00	816000.00	3	20120731
	474	Windermere	FL	34786	7	1	735000.00	770000.00	3	20120806
	475	Boca Raton	FL	33496	7	1	1060000.00	1065000.00	3	20120716
	476	JACKSONVILLE	FL	32226	1	1	1000000.00	1013000.00	3	20120810
	477	Lighthouse Point	FL	33064	1	1	839050.00	950000.00	3	20120824
	478	WICHITA	KS	67230	1	1	565000.00	570000.00	3	20120807
	479	WESTON	MA	02493	1	1	 	2000000.00	3	20120814
	480	BRYN MAWR	PA	19010	1	1	 	1000000.00	3	20120726
	481	GWYNEDD VALLEY	PA	19437	1	1	 	785000.00	3	20120801
	482	SPRING	TX	77382	7	1	 	760000.00	3	20120802
	483	NEEDHAM	MA	02492	1	1	 	1290000.00	3	20090914
	484	BELMONT	MA	02478	1	1	1312500.00	1320000.00	3	20091026
	485	SUDBURY	MA	01776	1	1	 	975000.00	3	20101115
	486	SOUTHBOROUGH	MA	01772	1	1	745000.00	775000.00	3	20110317
	487	SOMERVILLE	MA	02145	1	1	800000.00	800000.00	3	20110427
	488	WINCHESTER	MA	01890	1	1	1520000.00	1570000.00	3	20110418
	489	HINGHAM	MA	02043	1	1	932900.00	940000.00	3	20110701
	490	BROOKLINE	MA	02467	1	1	 	1775000.00	3	20110628
	491	WINCHESTER	MA	01890	1	1	 	1775000.00	3	20110718
	492	WELLESLEY HILLS	MA	02481	1	1	1272500.00	1300000.00	3	20111221
	493	CARLISLE	MA	01741	1	1	 	1200000.00	3	20111207
	494	CHESTNUT HILL	MA	02467	1	1	 	1250000.00	3	20120209
	495	CHESTNUT HILL	MA	02467	1	1	 	2350000.00	3	20110621
	496	WELLESLEY	MA	02481	1	1	 	1450000.00	3	20120117
	497	LEXINGTON	MA	02421	1	1	 	1370000.00	3	20120213
	498	CAMBRIDGE	MA	02140	1	1	 	2150000.00	3	20120213
	499	NEWTON	MA	02467	1	1	 	1890000.00	3	20120214
	500	WELLESLEY	MA	02481	1	1	 	1195000.00	3	20120102
	501	CHARLESTOWN	MA	02129	1	1	 	1100000.00	3	20120224
	502	LEXINGTON	MA	02421	1	1	 	1100000.00	3	20120308
	503	NEEDHAM	MA	02492	1	1	 	860000.00	3	20120413
	504	BROOKLINE	MA	02445	1	1	 	850000.00	3	20120405
	505	WRENTHAM	MA	02093	1	1	 	800000.00	3	20120315
	506	NEEDHAM	MA	02495	1	1	 	900000.00	3	20120412
	507	EASTON	MA	02356	1	1	 	873000.00	3	20120504
	508	NEEDHAM	MA	02492	1	1	 	2350000.00	3	20120427
	509	NEWTON	MA	02459	1	1	 	1400000.00	3	20120331
	510	WESTON	MA	02493	1	1	 	1500000.00	3	20120204
	511	IPSWICH	MA	01938	1	1	 	1200000.00	3	20120302

 

	 	129	130	131	132	133	134	135	136	137	138	139	140
	 	Original Automated

Valuation 

Model
 (AVM)

Model 

Name	Original AVM
 Confidence 

Score	Most Recent
 Property 

Value2	Most Recent
 Property
 Valuation
 Type	Most Recent
 Property
 Valuation
 Date	Most Recent
 AVM
 Model Name	Most Recent
 AVM
 Confidence
 Score	Original CLTV	Original LTV	Original Pledged
 Assets	Mortgage Insurance
 Company Name	Mortgage
 Insurance
 Percent
	1	 	 	 	 	 	 	 	0.574700	0.574700	0	0	0
	2	 	 	 	 	 	 	 	0.800000	0.625000	0	0	0
	3	 	 	 	 	 	 	 	0.835800	0.750000	0	0	0
	4	 	 	 	 	 	 	 	0.459500	0.340400	0	0	0
	5	 	 	 	 	 	 	 	0.771100	0.771100	0	0	0
	6	 	 	 	 	 	 	 	0.700000	0.700000	0	0	0
	7	 	 	 	 	 	 	 	0.563800	0.563800	0	0	0
	8	 	 	 	 	 	 	 	0.571400	0.571400	0	0	0
	9	 	 	 	 	 	 	 	0.651800	0.651800	0	0	0
	10	 	 	 	 	 	 	 	0.500000	0.500000	0	0	0
	11	 	 	 	 	 	 	 	0.353800	0.353800	0	0	0
	12	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	13	 	 	 	 	 	 	 	0.487800	0.487800	0	0	0
	14	 	 	 	 	 	 	 	0.691000	0.691000	0	0	0
	15	 	 	 	 	 	 	 	0.600000	0.600000	0	0	0
	16	 	 	 	 	 	 	 	0.282600	0.282600	0	0	0
	17	 	 	 	 	 	 	 	0.710200	0.710200	0	0	0
	18	 	 	 	 	 	 	 	0.521400	0.521400	0	0	0
	19	 	 	 	 	 	 	 	0.548300	0.548300	0	0	0
	20	 	 	 	 	 	 	 	0.620000	0.620000	0	0	0
	21	 	 	 	 	 	 	 	0.648000	0.648000	0	0	0
	22	 	 	 	 	 	 	 	0.750000	0.750000	0	0	0
	23	 	 	 	 	 	 	 	0.778700	0.518100	0	0	0
	24	 	 	 	 	 	 	 	0.700000	0.700000	0	0	0
	25	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	26	 	 	 	 	 	 	 	0.722000	0.722000	0	0	0
	27	 	 	 	 	 	 	 	0.728500	0.606100	0	0	0
	28	 	 	 	 	 	 	 	0.365000	0.365000	0	0	0
	29	 	 	 	 	 	 	 	0.663100	0.584900	0	0	0
	30	 	 	 	 	 	 	 	0.315300	0.315300	0	0	0
	31	 	 	 	 	 	 	 	0.348100	0.348100	0	0	0
	32	 	 	 	 	 	 	 	0.585700	0.585700	0	0	0
	33	 	 	 	 	 	 	 	0.650000	0.650000	0	0	0
	34	 	 	 	 	 	 	 	0.679100	0.679100	0	0	0
	35	 	 	 	 	 	 	 	0.697600	0.697600	0	0	0
	36	 	 	 	 	 	 	 	0.788800	0.788800	0	0	0
	37	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	38	 	 	 	 	 	 	 	0.533500	0.533500	0	0	0
	39	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	40	 	 	 	 	 	 	 	0.581500	0.581500	0	0	0
	41	 	 	 	 	 	 	 	0.700000	0.700000	0	0	0
	42	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	43	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	44	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	45	 	 	 	 	 	 	 	0.600000	0.600000	0	0	0
	46	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	47	 	 	 	 	 	 	 	0.775600	0.775600	0	0	0
	48	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	49	 	 	 	 	 	 	 	0.794100	0.794100	0	0	0
	50	 	 	 	 	 	 	 	0.780400	0.780400	0	0	0
	51	 	 	 	 	 	 	 	0.538500	0.538500	0	0	0
	52	 	 	 	 	 	 	 	0.773300	0.773300	0	0	0
	53	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	54	 	 	 	 	 	 	 	0.769200	0.769200	0	0	0
	55	 	 	 	 	 	 	 	0.484200	0.215200	0	0	0
	56	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	57	 	 	 	 	 	 	 	0.688800	0.661100	0	0	0
	58	 	 	 	 	 	 	 	0.698200	0.698200	0	0	0
	59	 	 	 	 	 	 	 	0.455400	0.455400	0	0	0
	60	 	 	 	 	 	 	 	0.628300	0.628300	0	0	0
	61	 	 	 	 	 	 	 	0.689600	0.689600	0	0	0
	62	 	 	 	 	 	 	 	0.750000	0.750000	0	0	0
	63	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	64	 	 	 	 	 	 	 	0.681300	0.681300	0	0	0
	65	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	66	 	 	 	 	 	 	 	0.750000	0.750000	0	0	0
	67	 	 	 	 	 	 	 	0.600000	0.600000	0	0	0
	68	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	69	 	 	 	 	 	 	 	0.667500	0.667500	0	0	0
	70	 	 	 	 	 	 	 	0.865600	0.557900	0	0	0
	71	 	 	 	 	 	 	 	0.876900	0.684600	0	0	0
	72	 	 	1800000	9	20120828	 	 	0.326100	0.326100	0	0	0
	73	 	 	860000	9	20120828	 	 	0.650800	0.606900	0	0	0
	74	 	 	535000	98	20120906	 	 	0.800000	0.800000	0	0	0
	75	 	 	 	 	 	 	 	0.700000	0.700000	0	0	0
	76	 	 	1850000	10	20120910	 	 	0.700000	0.700000	0	0	0
	77	 	 	932500	5	20121201	 	 	0.726100	0.726100	0	0	0
	78	 	 	 	 	 	 	 	0.729300	0.729300	0	0	0
	79	 	 	1375000	9	20120828	 	 	0.700000	0.700000	0	0	0
	80	 	 	170000	10	20120909	 	 	0.407300	0.407300	0	0	0
	81	 	 	 	 	 	 	 	0.544300	0.544300	0	0	0
	82	 	 	785000	9	20120828	 	 	0.761700	0.761700	0	0	0
	83	 	 	908000	9	20120829	 	 	0.703300	0.703300	0	0	0
	84	 	 	 	 	 	 	 	0.781300	0.781300	0	0	0
	85	 	 	930800	98	20120902	 	 	0.704000	0.704000	0	0	0
	86	 	 	975000	9	20120828	 	 	0.800000	0.800000	0	0	0
	87	 	 	625000	5	20121201	 	 	0.709400	0.709400	0	0	0
	88	 	 	1195000	5	20121201	 	 	0.394700	0.394700	0	0	0
	89	 	 	2290000	9	20120829	 	 	0.497800	0.497800	0	0	0
	90	 	 	770000	5	20121201	 	 	0.539000	0.539000	0	0	0
	91	 	 	1900000	10	20120907	 	 	0.578900	0.578900	0	0	0
	92	 	 	 	 	 	 	 	0.509200	0.509200	0	0	0
	93	 	 	2150000	98	20120904	 	 	0.642800	0.642800	0	0	0
	94	 	 	950000	5	20121201	 	 	0.800000	0.800000	0	0	0
	95	 	 	 	 	 	 	 	0.723200	0.723200	0	0	0
	96	 	 	 	 	 	 	 	0.783500	0.783500	0	0	0
	97	 	 	 	 	 	 	 	0.791900	0.791900	0	0	0
	98	 	 	 	 	 	 	 	0.598800	0.440000	0	0	0
	99	 	 	 	 	 	 	 	0.400000	0.400000	0	0	0
	100	 	 	891000	9	20121008	 	 	0.639700	0.639700	0	0	0
	101	 	 	870000	9	20120828	 	 	0.772000	0.772000	0	0	0
	102	 	 	 	 	 	 	 	0.306900	0.306900	0	0	0
	103	 	 	 	 	 	 	 	0.728700	0.728700	0	0	0
	104	 	 	1150000	10	20120909	 	 	0.767200	0.767200	0	0	0
	105	 	 	 	 	 	 	 	0.484500	0.484500	0	0	0
	106	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	107	 	 	990000	10	20120910	 	 	0.750000	0.750000	0	0	0
	108	 	 	1000000	5	20121201	 	 	0.478900	0.478900	0	0	0
	109	 	 	1400000	10	20120910	 	 	0.511300	0.511300	0	0	0
	110	 	 	722500	9	20120829	 	 	0.642200	0.642200	0	0	0
	111	 	 	832875	10	20120907	 	 	0.791600	0.791600	0	0	0
	112	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	113	 	 	 	 	 	 	 	0.355200	0.355200	0	0	0
	114	 	 	 	 	 	 	 	0.681400	0.681400	0	0	0
	115	 	 	560000	5	20121201	 	 	0.700000	0.700000	0	0	0
	116	 	 	850000	5	20121201	 	 	0.768000	0.768000	0	0	0
	117	 	 	784000	10	20120907	 	 	0.734700	0.734700	0	0	0
	118	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	119	 	 	1200000	9	20120828	 	 	0.750000	0.750000	0	0	0
	120	 	 	1300000	9	20120829	 	 	0.769200	0.769200	0	0	0
	121	 	 	 	 	 	 	 	0.748000	0.748000	0	0	0
	122	 	 	1045000	98	20120904	 	 	0.750000	0.750000	0	0	0
	123	 	 	 	 	 	 	 	0.713000	0.713000	0	0	0
	124	 	 	1250000	10	20120910	 	 	0.797200	0.797200	0	0	0
	125	 	 	270000	10	20120907	 	 	0.232700	0.232700	0	0	0
	126	 	 	850000	5	20121201	 	 	0.800000	0.800000	0	0	0
	127	 	 	 	 	 	 	 	0.663900	0.663900	0	0	0
	128	 	 	800000	9	20120828	 	 	0.785000	0.785000	0	0	0
	129	 	 	 	 	 	 	 	0.737300	0.737300	0	0	0
	130	 	 	225000	10	20120909	 	 	0.736200	0.736200	0	0	0
	131	 	 	725000	9	20120829	 	 	0.557200	0.557200	0	0	0
	132	 	 	 	 	 	 	 	0.700000	0.700000	0	0	0
	133	 	 	690000	5	20121201	 	 	0.686700	0.686700	0	0	0
	134	 	 	1099000	10	20120907	 	 	0.800000	0.800000	0	0	0
	135	 	 	 	 	 	 	 	0.542300	0.542300	0	0	0
	136	 	 	 	 	 	 	 	0.435400	0.435400	0	0	0
	137	 	 	 	 	 	 	 	0.700000	0.700000	0	0	0
	138	 	 	 	 	 	 	 	0.735500	0.735500	0	0	0
	139	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	140	 	 	750000	9	20120828	 	 	0.738800	0.738800	0	0	0
	141	 	 	1400000	10	20120908	 	 	0.800000	0.800000	0	0	0
	142	 	 	700000	9	20120829	 	 	0.783200	0.783200	0	0	0
	143	 	 	2345000	5	20121201	 	 	0.750000	0.750000	0	0	0
	144	 	 	1600000	9	20120829	 	 	0.425000	0.425000	0	0	0
	145	 	 	725000	9	20120828	 	 	0.705600	0.705600	0	0	0
	146	 	 	750000	9	20120828	 	 	0.696000	0.696000	0	0	0
	147	 	 	 	 	 	 	 	0.675500	0.675500	0	0	0
	148	 	 	 	 	 	 	 	0.754700	0.519000	0	0	0
	149	 	 	650000	10	20120907	 	 	0.422200	0.422200	0	0	0
	150	 	 	 	 	 	 	 	0.652100	0.652100	0	0	0
	151	 	 	 	 	 	 	 	0.597000	0.597000	0	0	0
	152	 	 	660000	98	20120904	 	 	0.741500	0.741500	0	0	0
	153	 	 	1700000	9	20120828	 	 	0.606000	0.496400	0	0	0
	154	 	 	930000	9	20120830	 	 	0.774100	0.774100	0	0	0
	155	 	 	790000	9	20120828	 	 	0.721500	0.721500	0	0	0
	156	 	 	 	 	 	 	 	0.576300	0.576300	0	0	0
	157	 	 	 	 	 	 	 	0.750000	0.750000	0	0	0
	158	 	 	 	 	 	 	 	0.788600	0.788600	0	0	0
	159	 	 	 	 	 	 	 	0.504800	0.504800	0	0	0
	160	 	 	 	 	 	 	 	0.555000	0.555000	0	0	0
	161	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	162	 	 	 	 	 	 	 	0.450000	0.450000	0	0	0
	163	 	 	 	 	 	 	 	0.634400	0.582700	0	0	0
	164	 	 	 	 	 	 	 	0.343800	0.343800	0	0	0
	165	 	 	 	 	 	 	 	0.393000	0.393000	0	0	0
	166	 	 	 	 	 	 	 	0.596400	0.596400	0	0	0
	167	 	 	 	 	 	 	 	0.553600	0.553600	0	0	0
	168	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	169	 	 	 	 	 	 	 	0.786500	0.786500	0	0	0
	170	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	171	 	 	 	 	 	 	 	0.600000	0.600000	0	0	0
	172	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	173	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	174	 	 	 	 	 	 	 	0.714100	0.714100	0	0	0
	175	 	 	 	 	 	 	 	0.534000	0.534000	0	0	0
	176	 	 	 	 	 	 	 	0.576900	0.576900	0	0	0
	177	 	 	 	 	 	 	 	0.744600	0.602700	0	0	0
	178	 	 	 	 	 	 	 	0.604300	0.604300	0	0	0
	179	 	 	 	 	 	 	 	0.707400	0.707400	0	0	0
	180	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	181	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	182	 	 	 	 	 	 	 	0.560000	0.560000	0	0	0
	183	 	 	 	 	 	 	 	0.742400	0.742400	0	0	0
	184	 	 	 	 	 	 	 	0.686900	0.686900	0	0	0
	185	 	 	 	 	 	 	 	0.648100	0.648100	0	0	0
	186	 	 	 	 	 	 	 	0.740000	0.740000	0	0	0
	187	 	 	 	 	 	 	 	0.530000	0.530000	0	0	0
	188	 	 	 	 	 	 	 	0.543800	0.543800	0	0	0
	189	 	 	 	 	 	 	 	0.694700	0.694700	0	0	0
	190	 	 	 	 	 	 	 	0.843200	0.665400	0	0	0
	191	 	 	 	 	 	 	 	0.742100	0.742100	0	0	0
	192	 	 	 	 	 	 	 	0.683800	0.683800	0	0	0
	193	 	 	 	 	 	 	 	0.712100	0.712100	0	0	0
	194	 	 	 	 	 	 	 	0.581800	0.400000	0	0	0
	195	 	 	 	 	 	 	 	0.681100	0.550700	0	0	0
	196	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	197	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	198	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	199	 	 	 	 	 	 	 	0.750000	0.750000	0	0	0
	200	 	 	 	 	 	 	 	0.421800	0.421800	0	0	0
	201	 	 	 	 	 	 	 	0.598200	0.453700	0	0	0
	202	 	 	 	 	 	 	 	0.680000	0.680000	0	0	0
	203	 	 	 	 	 	 	 	0.659800	0.659800	0	0	0
	204	 	 	 	 	 	 	 	0.750000	0.750000	0	0	0
	205	 	 	 	 	 	 	 	0.650000	0.650000	0	0	0
	206	 	 	 	 	 	 	 	0.650000	0.650000	0	0	0
	207	 	 	 	 	 	 	 	0.700000	0.700000	0	0	0
	208	 	 	 	 	 	 	 	0.547400	0.547400	0	0	0
	209	 	 	 	 	 	 	 	0.700000	0.700000	0	0	0
	210	 	 	 	 	 	 	 	0.637600	0.637600	0	0	0
	211	 	 	 	 	 	 	 	0.575500	0.575500	0	0	0
	212	 	 	 	 	 	 	 	0.700000	0.700000	0	0	0
	213	 	 	 	 	 	 	 	0.709200	0.709200	0	0	0
	214	 	 	 	 	 	 	 	0.631900	0.631900	0	0	0
	215	 	 	 	 	 	 	 	0.597900	0.597900	0	0	0
	216	 	 	 	 	 	 	 	0.798800	0.798800	0	0	0
	217	 	 	 	 	 	 	 	0.616700	0.616700	0	0	0
	218	 	 	 	 	 	 	 	0.517400	0.517400	0	0	0
	219	 	 	 	 	 	 	 	0.700000	0.700000	0	0	0
	220	 	 	 	 	 	 	 	0.762300	0.762300	0	0	0
	221	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	222	 	 	 	 	 	 	 	0.792300	0.792300	0	0	0
	223	 	 	 	 	 	 	 	0.750000	0.750000	0	0	0
	224	 	 	 	 	 	 	 	0.711500	0.711500	0	0	0
	225	 	 	 	 	 	 	 	0.572500	0.372500	0	0	0
	226	 	 	 	 	 	 	 	0.700000	0.700000	0	0	0
	227	 	 	 	 	 	 	 	0.675000	0.675000	0	0	0
	228	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	229	 	 	 	 	 	 	 	0.550300	0.550300	0	0	0
	230	 	 	 	 	 	 	 	0.790900	0.790900	0	0	0
	231	 	 	 	 	 	 	 	0.650000	0.650000	0	0	0
	232	 	 	 	 	 	 	 	0.454500	0.454500	0	0	0
	233	 	 	 	 	 	 	 	0.740700	0.740700	0	0	0
	234	 	 	 	 	 	 	 	0.721200	0.721200	0	0	0
	235	 	 	 	 	 	 	 	0.788200	0.788200	0	0	0
	236	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	237	 	 	 	 	 	 	 	0.795200	0.555200	0	0	0
	238	 	 	 	 	 	 	 	0.799900	0.799900	0	0	0
	239	 	 	 	 	 	 	 	0.786000	0.702000	0	0	0
	240	 	 	 	 	 	 	 	0.700000	0.700000	0	0	0
	241	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	242	 	 	 	 	 	 	 	0.776600	0.776600	0	0	0
	243	 	 	 	 	 	 	 	0.538500	0.538500	0	0	0
	244	 	 	 	 	 	 	 	0.650000	0.650000	0	0	0
	245	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	246	 	 	 	 	 	 	 	0.788700	0.788700	0	0	0
	247	 	 	 	 	 	 	 	0.713800	0.584600	0	0	0
	248	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	249	 	 	 	 	 	 	 	0.750000	0.750000	0	0	0
	250	 	 	 	 	 	 	 	0.503700	0.503700	0	0	0
	251	 	 	 	 	 	 	 	0.549400	0.549400	0	0	0
	252	 	 	 	 	 	 	 	0.650000	0.650000	0	0	0
	253	 	 	 	 	 	 	 	0.798600	0.798600	0	0	0
	254	 	 	 	 	 	 	 	0.625000	0.625000	0	0	0
	255	 	 	 	 	 	 	 	0.795200	0.795200	0	0	0
	256	 	 	 	 	 	 	 	0.750000	0.750000	0	0	0
	257	 	 	 	 	 	 	 	0.750000	0.750000	0	0	0
	258	 	 	 	 	 	 	 	0.750000	0.750000	0	0	0
	259	 	 	 	 	 	 	 	0.766200	0.766200	0	0	0
	260	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	261	 	 	 	 	 	 	 	0.762900	0.762900	0	0	0
	262	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	263	 	 	 	 	 	 	 	0.799900	0.799900	0	0	0
	264	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	265	 	 	 	 	 	 	 	0.750000	0.750000	0	0	0
	266	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	267	 	 	 	 	 	 	 	0.795600	0.795600	0	0	0
	268	 	 	 	 	 	 	 	0.680700	0.680700	0	0	0
	269	 	 	 	 	 	 	 	0.781500	0.781500	0	0	0
	270	 	 	 	 	 	 	 	0.769600	0.769600	0	0	0
	271	 	 	 	 	 	 	 	0.561400	0.561400	0	0	0
	272	 	 	 	 	 	 	 	0.750000	0.750000	0	0	0
	273	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	274	 	 	 	 	 	 	 	0.639700	0.639700	0	0	0
	275	 	 	 	 	 	 	 	0.719400	0.719400	0	0	0
	276	 	 	 	 	 	 	 	0.603600	0.600000	0	0	0
	277	 	 	 	 	 	 	 	0.764100	0.764100	0	0	0
	278	 	 	 	 	 	 	 	0.699300	0.699300	0	0	0
	279	 	 	 	 	 	 	 	0.455500	0.455500	0	0	0
	280	 	 	 	 	 	 	 	0.775100	0.775100	0	0	0
	281	 	 	 	 	 	 	 	0.658900	0.658900	0	0	0
	282	 	 	 	 	 	 	 	0.634500	0.634500	0	0	0
	283	 	 	 	 	 	 	 	0.381300	0.381300	0	0	0
	284	 	 	 	 	 	 	 	0.715000	0.715000	0	0	0
	285	 	 	 	 	 	 	 	0.732900	0.732900	0	0	0
	286	 	 	 	 	 	 	 	0.602600	0.602600	0	0	0
	287	 	 	 	 	 	 	 	0.469200	0.469200	0	0	0
	288	 	 	 	 	 	 	 	0.799900	0.799900	0	0	0
	289	 	 	 	 	 	 	 	0.260000	0.260000	0	0	0
	290	 	 	 	 	 	 	 	0.767500	0.588300	0	0	0
	291	 	 	 	 	 	 	 	0.571000	0.571000	0	0	0
	292	 	 	 	 	 	 	 	0.702000	0.702000	0	0	0
	293	 	 	 	 	 	 	 	0.769600	0.769600	0	0	0
	294	 	 	 	 	 	 	 	0.622100	0.622100	0	0	0
	295	 	 	 	 	 	 	 	0.700000	0.700000	0	0	0
	296	 	 	 	 	 	 	 	0.711000	0.711000	0	0	0
	297	 	 	 	 	 	 	 	0.671100	0.671100	0	0	0
	298	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	299	 	 	 	 	 	 	 	0.732300	0.732300	0	0	0
	300	 	 	 	 	 	 	 	0.750000	0.750000	0	0	0
	301	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	302	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	303	 	 	 	 	 	 	 	0.580600	0.580600	0	0	0
	304	 	 	 	 	 	 	 	0.594700	0.594700	0	0	0
	305	 	 	 	 	 	 	 	0.737500	0.737500	0	0	0
	306	 	 	 	 	 	 	 	0.582700	0.582700	0	0	0
	307	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	308	 	 	 	 	 	 	 	0.750000	0.750000	0	0	0
	309	 	 	 	 	 	 	 	0.668000	0.668000	0	0	0
	310	 	 	 	 	 	 	 	0.763500	0.763500	0	0	0
	311	 	 	 	 	 	 	 	0.650000	0.650000	0	0	0
	312	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	313	 	 	 	 	 	 	 	0.576100	0.576100	0	0	0
	314	 	 	 	 	 	 	 	0.684000	0.659200	0	0	0
	315	 	 	 	 	 	 	 	0.786600	0.786600	0	0	0
	316	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	317	 	 	 	 	 	 	 	0.700000	0.700000	0	0	0
	318	 	 	 	 	 	 	 	0.787500	0.787500	0	0	0
	319	 	 	 	 	 	 	 	0.733500	0.660300	0	0	0
	320	 	 	 	 	 	 	 	0.550800	0.550800	0	0	0
	321	 	 	 	 	 	 	 	0.700000	0.700000	0	0	0
	322	 	 	 	 	 	 	 	0.584600	0.584600	0	0	0
	323	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	324	 	 	 	 	 	 	 	0.649000	0.649000	0	0	0
	325	 	 	 	 	 	 	 	0.792600	0.792600	0	0	0
	326	 	 	 	 	 	 	 	0.582400	0.516000	0	0	0
	327	 	 	 	 	 	 	 	0.288800	0.177700	0	0	0
	328	 	 	 	 	 	 	 	0.691200	0.691200	0	0	0
	329	 	 	 	 	 	 	 	0.466300	0.466300	0	0	0
	330	 	 	 	 	 	 	 	0.662100	0.662100	0	0	0
	331	 	 	 	 	 	 	 	0.717200	0.717200	0	0	0
	332	 	 	 	 	 	 	 	0.666600	0.666600	0	0	0
	333	 	 	 	 	 	 	 	0.799700	0.799700	0	0	0
	334	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	335	 	 	 	 	 	 	 	0.733000	0.733000	0	0	0
	336	 	 	 	 	 	 	 	0.750000	0.750000	0	0	0
	337	 	 	 	 	 	 	 	0.453600	0.453600	0	0	0
	338	 	 	 	 	 	 	 	0.750000	0.750000	0	0	0
	339	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	340	 	 	 	 	 	 	 	0.534200	0.534200	0	0	0
	341	 	 	 	 	 	 	 	0.650000	0.650000	0	0	0
	342	 	 	 	 	 	 	 	0.767800	0.767800	0	0	0
	343	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	344	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	345	 	 	 	 	 	 	 	0.562000	0.562000	0	0	0
	346	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	347	 	 	 	 	 	 	 	0.560600	0.560600	0	0	0
	348	 	 	 	 	 	 	 	0.780400	0.780400	0	0	0
	349	 	 	 	 	 	 	 	0.487200	0.487200	0	0	0
	350	 	 	 	 	 	 	 	0.710400	0.710400	0	0	0
	351	 	 	 	 	 	 	 	0.734200	0.734200	0	0	0
	352	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	353	 	 	 	 	 	 	 	0.697500	0.697500	0	0	0
	354	 	 	 	 	 	 	 	0.800000	0.731200	0	0	0
	355	 	 	 	 	 	 	 	0.650000	0.650000	0	0	0
	356	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	357	 	 	 	 	 	 	 	0.518600	0.518600	0	0	0
	358	 	 	 	 	 	 	 	0.750000	0.750000	0	0	0
	359	 	 	 	 	 	 	 	0.773100	0.773100	0	0	0
	360	 	 	 	 	 	 	 	0.775200	0.775200	0	0	0
	361	 	 	 	 	 	 	 	0.689600	0.689600	0	0	0
	362	 	 	 	 	 	 	 	0.585900	0.585900	0	0	0
	363	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	364	 	 	 	 	 	 	 	0.560000	0.560000	0	0	0
	365	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	366	 	 	 	 	 	 	 	0.739600	0.739600	0	0	0
	367	 	 	 	 	 	 	 	0.539800	0.539800	0	0	0
	368	 	 	 	 	 	 	 	0.700000	0.631700	0	0	0
	369	 	 	 	 	 	 	 	0.747100	0.747100	0	0	0
	370	 	 	 	 	 	 	 	0.750000	0.750000	0	0	0
	371	 	 	 	 	 	 	 	0.577500	0.577500	0	0	0
	372	 	 	 	 	 	 	 	0.423500	0.348500	0	0	0
	373	 	 	 	 	 	 	 	0.762800	0.762800	0	0	0
	374	 	 	 	 	 	 	 	0.444800	0.444800	0	0	0
	375	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	376	 	 	 	 	 	 	 	0.308200	0.308200	0	0	0
	377	 	 	 	 	 	 	 	0.506500	0.506500	0	0	0
	378	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	379	 	 	 	 	 	 	 	0.598800	0.598800	0	0	0
	380	 	 	 	 	 	 	 	0.726900	0.726900	0	0	0
	381	 	 	 	 	 	 	 	0.627900	0.627900	0	0	0
	382	 	 	 	 	 	 	 	0.583800	0.583800	0	0	0
	383	 	 	 	 	 	 	 	0.505800	0.505800	0	0	0
	384	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	385	 	 	 	 	 	 	 	0.424500	0.424500	0	0	0
	386	 	 	 	 	 	 	 	0.678800	0.678800	0	0	0
	387	 	 	 	 	 	 	 	0.606000	0.606000	0	0	0
	388	 	 	 	 	 	 	 	0.432200	0.432200	0	0	0
	389	 	 	 	 	 	 	 	0.793000	0.793000	0	0	0
	390	 	 	 	 	 	 	 	0.768800	0.768800	0	0	0
	391	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	392	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	393	 	 	 	 	 	 	 	0.750000	0.750000	0	0	0
	394	 	 	 	 	 	 	 	0.506900	0.506900	0	0	0
	395	 	 	 	 	 	 	 	0.750000	0.750000	0	0	0
	396	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	397	 	 	 	 	 	 	 	0.590300	0.590300	0	0	0
	398	 	 	 	 	 	 	 	0.682800	0.682800	0	0	0
	399	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	400	 	 	 	 	 	 	 	0.783900	0.783900	0	0	0
	401	 	 	 	 	 	 	 	0.754600	0.754600	0	0	0
	402	 	 	 	 	 	 	 	0.744000	0.722800	0	0	0
	403	 	 	 	 	 	 	 	0.608600	0.608600	0	0	0
	404	 	 	 	 	 	 	 	0.681300	0.681300	0	0	0
	405	 	 	 	 	 	 	 	0.772400	0.772400	0	0	0
	406	 	 	 	 	 	 	 	0.764800	0.764800	0	0	0
	407	 	 	 	 	 	 	 	0.506900	0.506900	0	0	0
	408	 	 	 	 	 	 	 	0.621000	0.621000	0	0	0
	409	 	 	 	 	 	 	 	0.415000	0.415000	0	0	0
	410	 	 	 	 	 	 	 	0.566800	0.441800	0	0	0
	411	 	 	 	 	 	 	 	0.347000	0.347000	0	0	0
	412	 	 	 	 	 	 	 	0.671800	0.671800	0	0	0
	413	 	 	 	 	 	 	 	0.533800	0.533800	0	0	0
	414	 	 	 	 	 	 	 	0.750000	0.750000	0	0	0
	415	 	 	 	 	 	 	 	0.685900	0.685900	0	0	0
	416	 	 	 	 	 	 	 	0.689600	0.689600	0	0	0
	417	 	 	 	 	 	 	 	0.592700	0.592700	0	0	0
	418	 	 	 	 	 	 	 	0.750000	0.750000	0	0	0
	419	 	 	 	 	 	 	 	0.567700	0.410200	0	0	0
	420	 	 	 	 	 	 	 	0.714200	0.714200	0	0	0
	421	 	 	 	 	 	 	 	0.624800	0.624800	0	0	0
	422	 	 	 	 	 	 	 	0.696200	0.696200	0	0	0
	423	 	 	 	 	 	 	 	0.692500	0.692500	0	0	0
	424	 	 	 	 	 	 	 	0.597000	0.597000	0	0	0
	425	 	 	 	 	 	 	 	0.545800	0.545800	0	0	0
	426	 	 	 	 	 	 	 	0.681100	0.681100	0	0	0
	427	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	428	 	 	 	 	 	 	 	0.659000	0.659000	0	0	0
	429	 	 	 	 	 	 	 	0.742500	0.742500	0	0	0
	430	 	 	 	 	 	 	 	0.750000	0.750000	0	0	0
	431	 	 	 	 	 	 	 	0.730100	0.730100	0	0	0
	432	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	433	 	 	 	 	 	 	 	0.600000	0.600000	0	0	0
	434	 	 	 	 	 	 	 	0.750000	0.750000	0	0	0
	435	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	436	 	 	 	 	 	 	 	0.729600	0.729600	0	0	0
	437	 	 	 	 	 	 	 	0.694600	0.694600	0	0	0
	438	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	439	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	440	 	 	 	 	 	 	 	0.650000	0.650000	0	0	0
	441	 	 	 	 	 	 	 	0.750000	0.750000	0	0	0
	442	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	443	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	444	 	 	 	 	 	 	 	0.800000	0.697400	0	0	0
	445	 	 	 	 	 	 	 	0.589600	0.589600	0	0	0
	446	 	 	 	 	 	 	 	0.600000	0.600000	0	0	0
	447	 	 	 	 	 	 	 	0.568100	0.568100	0	0	0
	448	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	449	 	 	 	 	 	 	 	0.693500	0.693500	0	0	0
	450	 	 	 	 	 	 	 	0.538700	0.538700	0	0	0
	451	 	 	 	 	 	 	 	0.613900	0.613900	0	0	0
	452	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	453	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	454	 	 	 	 	 	 	 	0.694300	0.694300	0	0	0
	455	 	 	 	 	 	 	 	0.421900	0.421900	0	0	0
	456	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	457	 	 	 	 	 	 	 	0.761400	0.761400	0	0	0
	458	 	 	 	 	 	 	 	0.840500	0.840500	0	0	0
	459	 	 	 	 	 	 	 	0.800000	0.700000	0	0	0
	460	 	 	 	 	 	 	 	0.571700	0.571700	0	0	0
	461	 	 	 	 	 	 	 	0.608700	0.608700	0	0	0
	462	 	 	 	 	 	 	 	0.777100	0.777100	0	0	0
	463	 	 	 	 	 	 	 	0.790900	0.790900	0	0	0
	464	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	465	 	 	 	 	 	 	 	0.625300	0.625300	0	0	0
	466	 	 	 	 	 	 	 	0.663500	0.663500	0	0	0
	467	 	 	 	 	 	 	 	0.726000	0.726000	0	0	0
	468	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	469	 	 	 	 	 	 	 	0.740800	0.740800	0	0	0
	470	 	 	 	 	 	 	 	0.771000	0.771000	0	0	0
	471	 	 	 	 	 	 	 	0.750000	0.750000	0	0	0
	472	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	473	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	474	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	475	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	476	 	 	 	 	 	 	 	0.700000	0.700000	0	0	0
	477	 	 	 	 	 	 	 	0.655500	0.655500	0	0	0
	478	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	479	 	 	 	 	 	 	 	0.728300	0.728300	0	0	0
	480	 	 	 	 	 	 	 	0.670000	0.670000	0	0	0
	481	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	482	 	 	 	 	 	 	 	0.748600	0.748600	0	0	0
	483	 	 	1235000	5	20121022	 	 	0.689900	0.689900	0	0	0
	484	 	 	 	 	 	 	 	0.609500	0.609500	0	0	0
	485	 	 	 	 	 	 	 	0.687100	0.687100	0	0	0
	486	 	 	 	 	 	 	 	0.671100	0.671100	0	0	0
	487	 	 	640000	5	20121023	 	 	0.612500	0.612500	0	0	0
	488	 	 	1530000	5	20121025	 	 	0.592100	0.592100	0	0	0
	489	 	 	1210000	5	20121023	 	 	0.696700	0.696700	0	0	0
	490	 	 	1345000	5	20121023	 	 	0.467600	0.467600	0	0	0
	491	 	 	1370000	5	20121024	 	 	0.619700	0.619700	0	0	0
	492	 	 	 	 	 	 	 	0.620800	0.620800	0	0	0
	493	 	 	 	 	 	 	 	0.537500	0.537500	0	0	0
	494	 	 	 	 	 	 	 	0.664800	0.664800	0	0	0
	495	 	 	 	 	 	 	 	0.502100	0.417000	0	0	0
	496	 	 	 	 	 	 	 	0.638600	0.638600	0	0	0
	497	 	 	 	 	 	 	 	0.547400	0.547400	0	0	0
	498	 	 	 	 	 	 	 	0.325500	0.325500	0	0	0
	499	 	 	 	 	 	 	 	0.700000	0.700000	0	0	0
	500	 	 	 	 	 	 	 	0.590700	0.590700	0	0	0
	501	 	 	 	 	 	 	 	0.641800	0.641800	0	0	0
	502	 	 	 	 	 	 	 	0.679000	0.679000	0	0	0
	503	 	 	 	 	 	 	 	0.575500	0.575500	0	0	0
	504	 	 	 	 	 	 	 	0.656400	0.656400	0	0	0
	505	 	 	 	 	 	 	 	0.711200	0.648700	0	0	0
	506	 	 	 	 	 	 	 	0.684400	0.684400	0	0	0
	507	 	 	 	 	 	 	 	0.647100	0.647100	0	0	0
	508	 	 	 	 	 	 	 	0.425500	0.425500	0	0	0
	509	 	 	 	 	 	 	 	0.732100	0.482100	0	0	0
	510	 	 	 	 	 	 	 	0.750000	0.450000	0	0	0
	511	 	 	 	 	 	 	 	0.779100	0.612500	0	0	0

 

	 	141	142	143	144	145	146	147	148	149	150
	 	
        MI: Lender or

        Borrower Paid?
	
        Pool

        Insurance Co.

        Name
	
        Pool

        Insurance

        Stop

        Loss %
	
        MI Certificate

        Number
	
        Updated DTI

        (Front-end)
	
        Updated DTI

        (Back-end)
	
        Modification

        Effective Payment

        Date
	
        Total Capitalized

        Amount
	
        Total Deferred

        Amount
	
        Pre-

Modification

        Interest (Note) Rate

	1	 	 	 	 	 	 	 	 	 	 
	2	 	 	 	 	 	 	 	 	 	 
	3	 	 	 	 	 	 	 	 	 	 
	4	 	 	 	 	 	 	 	 	 	 
	5	 	 	 	 	 	 	 	 	 	 
	6	 	 	 	 	 	 	 	 	 	 
	7	 	 	 	 	 	 	 	 	 	 
	8	 	 	 	 	 	 	 	 	 	 
	9	 	 	 	 	 	 	 	 	 	 
	10	 	 	 	 	 	 	 	 	 	 
	11	 	 	 	 	 	 	 	 	 	 
	12	 	 	 	 	 	 	 	 	 	 
	13	 	 	 	 	 	 	 	 	 	 
	14	 	 	 	 	 	 	 	 	 	 
	15	 	 	 	 	 	 	 	 	 	 
	16	 	 	 	 	 	 	 	 	 	 
	17	 	 	 	 	 	 	 	 	 	 
	18	 	 	 	 	 	 	 	 	 	 
	19	 	 	 	 	 	 	 	 	 	 
	20	 	 	 	 	 	 	 	 	 	 
	21	 	 	 	 	 	 	 	 	 	 
	22	 	 	 	 	 	 	 	 	 	 
	23	 	 	 	 	 	 	 	 	 	 
	24	 	 	 	 	 	 	 	 	 	 
	25	 	 	 	 	 	 	 	 	 	 
	26	 	 	 	 	 	 	 	 	 	 
	27	 	 	 	 	 	 	 	 	 	 
	28	 	 	 	 	 	 	 	 	 	 
	29	 	 	 	 	 	 	 	 	 	 
	30	 	 	 	 	 	 	 	 	 	 
	31	 	 	 	 	 	 	 	 	 	 
	32	 	 	 	 	 	 	 	 	 	 
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	482	 	 	 	 	 	 	 	 	 	 
	483	 	 	 	 	 	 	9/19/2011	 	 	0.055
	484	 	 	 	 	 	 	4/17/2012	 	 	0.055
	485	 	 	 	 	 	 	1/28/2012	 	 	0.04875
	486	 	 	 	 	 	 	3/16/2012	 	 	0.04875
	487	 	 	 	 	 	 	4/25/2012	 	 	0.04875
	488	 	 	 	 	 	 	2/23/2012	 	 	0.04875
	489	 	 	 	 	 	 	4/20/2012	 	 	0.04625
	490	 	 	 	 	 	 	4/24/2012	 	 	0.04625
	491	 	 	 	 	 	 	4/24/2012	 	 	0.04625
	492	 	 	 	 	 	 	 	 	 	 
	493	 	 	 	 	 	 	 	 	 	 
	494	 	 	 	 	 	 	 	 	 	 
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	508	 	 	 	 	 	 	 	 	 	 
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	510	 	 	 	 	 	 	 	 	 	 
	511	 	 	 	 	 	 	 	 	 	 

 

	 	151	152	153	154	155	156	157	158	159	160
	 	
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	1	 	 	 	 	 	 	 	 	 	14
	2	 	 	 	 	 	 	 	 	 	15
	3	 	 	 	 	 	 	 	 	 	12
	4	 	 	 	 	 	 	 	 	 	12
	5	 	 	 	 	 	 	 	 	 	25
	6	 	 	 	 	 	 	 	 	 	33
	7	 	 	 	 	 	 	 	 	 	16
	8	 	 	 	 	 	 	 	 	 	15
	9	 	 	 	 	 	 	 	 	 	28
	10	 	 	 	 	 	 	 	 	 	13
	11	 	 	 	 	 	 	 	 	 	29
	12	 	 	 	 	 	 	 	 	 	10
	13	 	 	 	 	 	 	 	 	 	15
	14	 	 	 	 	 	 	 	 	 	10
	15	 	 	 	 	 	 	 	 	 	13
	16	 	 	 	 	 	 	 	 	 	55
	17	 	 	 	 	 	 	 	 	 	26
	18	 	 	 	 	 	 	 	 	 	0
	19	 	 	 	 	 	 	 	 	 	30
	20	 	 	 	 	 	 	 	 	 	15
	21	 	 	 	 	 	 	 	 	 	18
	22	 	 	 	 	 	 	 	 	 	13
	23	 	 	 	 	 	 	 	 	 	36
	24	 	 	 	 	 	 	 	 	 	25
	25	 	 	 	 	 	 	 	 	 	20.4
	26	 	 	 	 	 	 	 	 	 	20.4
	27	 	 	 	 	 	 	 	 	 	30
	28	 	 	 	 	 	 	 	 	 	57
	29	 	 	 	 	 	 	 	 	 	31
	30	 	 	 	 	 	 	 	 	 	22
	31	 	 	 	 	 	 	 	 	 	11
	32	 	 	 	 	 	 	 	 	 	13
	33	 	 	 	 	 	 	 	 	 	31
	34	 	 	 	 	 	 	 	 	 	12
	35	 	 	 	 	 	 	 	 	 	24
	36	 	 	 	 	 	 	 	 	 	15
	37	 	 	 	 	 	 	 	 	 	20
	38	 	 	 	 	 	 	 	 	 	30
	39	 	 	 	 	 	 	 	 	 	16
	40	 	 	 	 	 	 	 	 	 	8.1
	41	 	 	 	 	 	 	 	 	 	25
	42	 	 	 	 	 	 	 	 	 	21
	43	 	 	 	 	 	 	 	 	 	20
	44	 	 	 	 	 	 	 	 	 	17
	45	 	 	 	 	 	 	 	 	 	 
	46	 	 	 	 	 	 	 	 	 	40
	47	 	 	 	 	 	 	 	 	 	7
	48	 	 	 	 	 	 	 	 	 	8
	49	 	 	 	 	 	 	 	 	 	9
	50	 	 	 	 	 	 	 	 	 	8
	51	 	 	 	 	 	 	 	 	 	30
	52	 	 	 	 	 	 	 	 	 	13.5
	53	 	 	 	 	 	 	 	 	 	15
	54	 	 	 	 	 	 	 	 	 	16
	55	 	 	 	 	 	 	 	 	 	20
	56	 	 	 	 	 	 	 	 	 	10
	57	 	 	 	 	 	 	 	 	 	20
	58	 	 	 	 	 	 	 	 	 	20
	59	 	 	 	 	 	 	 	 	 	25
	60	 	 	 	 	 	 	 	 	 	23
	61	 	 	 	 	 	 	 	 	 	10
	62	 	 	 	 	 	 	 	 	 	15
	63	 	 	 	 	 	 	 	 	 	13
	64	 	 	 	 	 	 	 	 	 	37
	65	 	 	 	 	 	 	 	 	 	25
	66	 	 	 	 	 	 	 	 	 	4
	67	 	 	 	 	 	 	 	 	 	20
	68	 	 	 	 	 	 	 	 	 	20
	69	 	 	 	 	 	 	 	 	 	15
	70	 	 	 	 	 	 	 	 	 	25
	71	 	 	 	 	 	 	 	 	 	20
	72	 	 	 	 	 	 	 	 	 	24
	73	 	 	 	 	 	 	 	 	 	19
	74	 	 	 	 	 	 	 	 	 	23
	75	 	 	 	 	 	 	 	 	 	 
	76	 	 	 	 	 	 	 	 	 	21
	77	 	 	 	 	 	 	 	 	 	25
	78	 	 	 	 	 	 	 	 	 	2
	79	 	 	 	 	 	 	 	 	 	10
	80	 	 	 	 	 	 	 	 	 	3
	81	 	 	 	 	 	 	 	 	 	25
	82	 	 	 	 	 	 	 	 	 	15
	83	 	 	 	 	 	 	 	 	 	9.5
	84	 	 	 	 	 	 	 	 	 	25.2
	85	 	 	 	 	 	 	 	 	 	21
	86	 	 	 	 	 	 	 	 	 	10.1
	87	 	 	 	 	 	 	 	 	 	18
	88	 	 	 	 	 	 	 	 	 	10
	89	 	 	 	 	 	 	 	 	 	28
	90	 	 	 	 	 	 	 	 	 	13.9
	91	 	 	 	 	 	 	 	 	 	21
	92	 	 	 	 	 	 	 	 	 	15
	93	 	 	 	 	 	 	 	 	 	5.4
	94	 	 	 	 	 	 	 	 	 	22
	95	 	 	 	 	 	 	 	 	 	5.1
	96	 	 	 	 	 	 	 	 	 	23
	97	 	 	 	 	 	 	 	 	 	1
	98	 	 	 	 	 	 	 	 	 	21
	99	 	 	 	 	 	 	 	 	 	44
	100	 	 	 	 	 	 	 	 	 	25
	101	 	 	 	 	 	 	 	 	 	2
	102	 	 	 	 	 	 	 	 	 	22
	103	 	 	 	 	 	 	 	 	 	25
	104	 	 	 	 	 	 	 	 	 	14
	105	 	 	 	 	 	 	 	 	 	20
	106	 	 	 	 	 	 	 	 	 	12
	107	 	 	 	 	 	 	 	 	 	4.1
	108	 	 	 	 	 	 	 	 	 	25
	109	 	 	 	 	 	 	 	 	 	6
	110	 	 	 	 	 	 	 	 	 	34
	111	 	 	 	 	 	 	 	 	 	21.9
	112	 	 	 	 	 	 	 	 	 	10
	113	 	 	 	 	 	 	 	 	 	20
	114	 	 	 	 	 	 	 	 	 	19
	115	 	 	 	 	 	 	 	 	 	6.1
	116	 	 	 	 	 	 	 	 	 	8
	117	 	 	 	 	 	 	 	 	 	25
	118	 	 	 	 	 	 	 	 	 	30
	119	 	 	 	 	 	 	 	 	 	15
	120	 	 	 	 	 	 	 	 	 	15
	121	 	 	 	 	 	 	 	 	 	15
	122	 	 	 	 	 	 	 	 	 	20
	123	 	 	 	 	 	 	 	 	 	25.7
	124	 	 	 	 	 	 	 	 	 	31
	125	 	 	 	 	 	 	 	 	 	12
	126	 	 	 	 	 	 	 	 	 	16
	127	 	 	 	 	 	 	 	 	 	26
	128	 	 	 	 	 	 	 	 	 	25
	129	 	 	 	 	 	 	 	 	 	15
	130	 	 	 	 	 	 	 	 	 	18
	131	 	 	 	 	 	 	 	 	 	3.3
	132	 	 	 	 	 	 	 	 	 	11.7
	133	 	 	 	 	 	 	 	 	 	5.6
	134	 	 	 	 	 	 	 	 	 	15
	135	 	 	 	 	 	 	 	 	 	15
	136	 	 	 	 	 	 	 	 	 	23
	137	 	 	 	 	 	 	 	 	 	7
	138	 	 	 	 	 	 	 	 	 	30
	139	 	 	 	 	 	 	 	 	 	11
	140	 	 	 	 	 	 	 	 	 	13
	141	 	 	 	 	 	 	 	 	 	 
	142	 	 	 	 	 	 	 	 	 	5
	143	 	 	 	 	 	 	 	 	 	23
	144	 	 	 	 	 	 	 	 	 	33
	145	 	 	 	 	 	 	 	 	 	21
	146	 	 	 	 	 	 	 	 	 	23
	147	 	 	 	 	 	 	 	 	 	6
	148	 	 	 	 	 	 	 	 	 	18
	149	 	 	 	 	 	 	 	 	 	24
	150	 	 	 	 	 	 	 	 	 	19
	151	 	 	 	 	 	 	 	 	 	15
	152	 	 	 	 	 	 	 	 	 	28
	153	 	 	 	 	 	 	 	 	 	25
	154	 	 	 	 	 	 	 	 	 	23
	155	 	 	 	 	 	 	 	 	 	19
	156	 	 	 	 	 	 	 	 	 	3
	157	 	 	 	 	 	 	 	 	 	 
	158	 	 	 	 	 	 	 	 	 	 
	159	 	 	 	 	 	 	 	 	 	2
	160	 	 	 	 	 	 	 	 	 	16
	161	 	 	 	 	 	 	 	 	 	9
	162	 	 	 	 	 	 	 	 	 	2
	163	 	 	 	 	 	 	 	 	 	2
	164	 	 	 	 	 	 	 	 	 	23
	165	 	 	 	 	 	 	 	 	 	21
	166	 	 	 	 	 	 	 	 	 	12
	167	 	 	 	 	 	 	 	 	 	11.2
	168	 	 	 	 	 	 	 	 	 	19
	169	 	 	 	 	 	 	 	 	 	3
	170	 	 	 	 	 	 	 	 	 	8
	171	 	 	 	 	 	 	 	 	 	12
	172	 	 	 	 	 	 	 	 	 	10
	173	 	 	 	 	 	 	 	 	 	8
	174	 	 	 	 	 	 	 	 	 	15
	175	 	 	 	 	 	 	 	 	 	 
	176	 	 	 	 	 	 	 	 	 	15
	177	 	 	 	 	 	 	 	 	 	11.2
	178	 	 	 	 	 	 	 	 	 	19
	179	 	 	 	 	 	 	 	 	 	20
	180	 	 	 	 	 	 	 	 	 	14
	181	 	 	 	 	 	 	 	 	 	8
	182	 	 	 	 	 	 	 	 	 	22
	183	 	 	 	 	 	 	 	 	 	17
	184	 	 	 	 	 	 	 	 	 	5
	185	 	 	 	 	 	 	 	 	 	9
	186	 	 	 	 	 	 	 	 	 	10
	187	 	 	 	 	 	 	 	 	 	10.7
	188	 	 	 	 	 	 	 	 	 	17.7
	189	 	 	 	 	 	 	 	 	 	22
	190	 	 	 	 	 	 	 	 	 	4.4
	191	 	 	 	 	 	 	 	 	 	 
	192	 	 	 	 	 	 	 	 	 	36
	193	 	 	 	 	 	 	 	 	 	19
	194	 	 	 	 	 	 	 	 	 	6.29
	195	 	 	 	 	 	 	 	 	 	5
	196	 	 	 	 	 	 	 	 	 	13
	197	 	 	 	 	 	 	 	 	 	12.18
	198	 	 	 	 	 	 	 	 	 	8
	199	 	 	 	 	 	 	 	 	 	2.1
	200	 	 	 	 	 	 	 	 	 	48
	201	 	 	 	 	 	 	 	 	 	20
	202	 	 	 	 	 	 	 	 	 	22.9
	203	 	 	 	 	 	 	 	 	 	17
	204	 	 	 	 	 	 	 	 	 	11
	205	 	 	 	 	 	 	 	 	 	29
	206	 	 	 	 	 	 	 	 	 	30
	207	 	 	 	 	 	 	 	 	 	12
	208	 	 	 	 	 	 	 	 	 	0.8
	209	 	 	 	 	 	 	 	 	 	10
	210	 	 	 	 	 	 	 	 	 	25
	211	 	 	 	 	 	 	 	 	 	20
	212	 	 	 	 	 	 	 	 	 	30
	213	 	 	 	 	 	 	 	 	 	0
	214	 	 	 	 	 	 	 	 	 	30
	215	 	 	 	 	 	 	 	 	 	29
	216	 	 	 	 	 	 	 	 	 	25
	217	 	 	 	 	 	 	 	 	 	30
	218	 	 	 	 	 	 	 	 	 	0
	219	 	 	 	 	 	 	 	 	 	25
	220	 	 	 	 	 	 	 	 	 	35
	221	 	 	 	 	 	 	 	 	 	12
	222	 	 	 	 	 	 	 	 	 	2
	223	 	 	 	 	 	 	 	 	 	8.5
	224	 	 	 	 	 	 	 	 	 	13
	225	 	 	 	 	 	 	 	 	 	22
	226	 	 	 	 	 	 	 	 	 	11
	227	 	 	 	 	 	 	 	 	 	14
	228	 	 	 	 	 	 	 	 	 	25
	229	 	 	 	 	 	 	 	 	 	5
	230	 	 	 	 	 	 	 	 	 	13
	231	 	 	 	 	 	 	 	 	 	24
	232	 	 	 	 	 	 	 	 	 	7
	233	 	 	 	 	 	 	 	 	 	20
	234	 	 	 	 	 	 	 	 	 	15
	235	 	 	 	 	 	 	 	 	 	21
	236	 	 	 	 	 	 	 	 	 	14
	237	 	 	 	 	 	 	 	 	 	33
	238	 	 	 	 	 	 	 	 	 	32.25
	239	 	 	 	 	 	 	 	 	 	20
	240	 	 	 	 	 	 	 	 	 	22
	241	 	 	 	 	 	 	 	 	 	25
	242	 	 	 	 	 	 	 	 	 	12
	243	 	 	 	 	 	 	 	 	 	0
	244	 	 	 	 	 	 	 	 	 	20.75
	245	 	 	 	 	 	 	 	 	 	12
	246	 	 	 	 	 	 	 	 	 	30
	247	 	 	 	 	 	 	 	 	 	12
	248	 	 	 	 	 	 	 	 	 	4
	249	 	 	 	 	 	 	 	 	 	20
	250	 	 	 	 	 	 	 	 	 	6
	251	 	 	 	 	 	 	 	 	 	5
	252	 	 	 	 	 	 	 	 	 	23
	253	 	 	 	 	 	 	 	 	 	5
	254	 	 	 	 	 	 	 	 	 	21.5
	255	 	 	 	 	 	 	 	 	 	5
	256	 	 	 	 	 	 	 	 	 	21
	257	 	 	 	 	 	 	 	 	 	12
	258	 	 	 	 	 	 	 	 	 	17
	259	 	 	 	 	 	 	 	 	 	13
	260	 	 	 	 	 	 	 	 	 	20
	261	 	 	 	 	 	 	 	 	 	12
	262	 	 	 	 	 	 	 	 	 	14
	263	 	 	 	 	 	 	 	 	 	14
	264	 	 	 	 	 	 	 	 	 	25
	265	 	 	 	 	 	 	 	 	 	31
	266	 	 	 	 	 	 	 	 	 	25
	267	 	 	 	 	 	 	 	 	 	14
	268	 	 	 	 	 	 	 	 	 	45
	269	 	 	 	 	 	 	 	 	 	16
	270	 	 	 	 	 	 	 	 	 	11
	271	 	 	 	 	 	 	 	 	 	20
	272	 	 	 	 	 	 	 	 	 	15
	273	 	 	 	 	 	 	 	 	 	33
	274	 	 	 	 	 	 	 	 	 	33
	275	 	 	 	 	 	 	 	 	 	5
	276	 	 	 	 	 	 	 	 	 	10
	277	 	 	 	 	 	 	 	 	 	20
	278	 	 	 	 	 	 	 	 	 	15
	279	 	 	 	 	 	 	 	 	 	16
	280	 	 	 	 	 	 	 	 	 	25
	281	 	 	 	 	 	 	 	 	 	38
	282	 	 	 	 	 	 	 	 	 	0
	283	 	 	 	 	 	 	 	 	 	2
	284	 	 	 	 	 	 	 	 	 	3
	285	 	 	 	 	 	 	 	 	 	20.25
	286	 	 	 	 	 	 	 	 	 	23
	287	 	 	 	 	 	 	 	 	 	20
	288	 	 	 	 	 	 	 	 	 	12
	289	 	 	 	 	 	 	 	 	 	20
	290	 	 	 	 	 	 	 	 	 	7.25
	291	 	 	 	 	 	 	 	 	 	26
	292	 	 	 	 	 	 	 	 	 	20
	293	 	 	 	 	 	 	 	 	 	6
	294	 	 	 	 	 	 	 	 	 	25
	295	 	 	 	 	 	 	 	 	 	27
	296	 	 	 	 	 	 	 	 	 	30
	297	 	 	 	 	 	 	 	 	 	32
	298	 	 	 	 	 	 	 	 	 	17
	299	 	 	 	 	 	 	 	 	 	7
	300	 	 	 	 	 	 	 	 	 	8
	301	 	 	 	 	 	 	 	 	 	11
	302	 	 	 	 	 	 	 	 	 	23
	303	 	 	 	 	 	 	 	 	 	43
	304	 	 	 	 	 	 	 	 	 	30
	305	 	 	 	 	 	 	 	 	 	14
	306	 	 	 	 	 	 	 	 	 	20
	307	 	 	 	 	 	 	 	 	 	5
	308	 	 	 	 	 	 	 	 	 	9.5
	309	 	 	 	 	 	 	 	 	 	30
	310	 	 	 	 	 	 	 	 	 	20
	311	 	 	 	 	 	 	 	 	 	2
	312	 	 	 	 	 	 	 	 	 	0
	313	 	 	 	 	 	 	 	 	 	35
	314	 	 	 	 	 	 	 	 	 	29
	315	 	 	 	 	 	 	 	 	 	12.5
	316	 	 	 	 	 	 	 	 	 	14
	317	 	 	 	 	 	 	 	 	 	10
	318	 	 	 	 	 	 	 	 	 	6
	319	 	 	 	 	 	 	 	 	 	4
	320	 	 	 	 	 	 	 	 	 	35
	321	 	 	 	 	 	 	 	 	 	25
	322	 	 	 	 	 	 	 	 	 	29
	323	 	 	 	 	 	 	 	 	 	13
	324	 	 	 	 	 	 	 	 	 	0
	325	 	 	 	 	 	 	 	 	 	13
	326	 	 	 	 	 	 	 	 	 	15
	327	 	 	 	 	 	 	 	 	 	30
	328	 	 	 	 	 	 	 	 	 	16
	329	 	 	 	 	 	 	 	 	 	9
	330	 	 	 	 	 	 	 	 	 	10.25
	331	 	 	 	 	 	 	 	 	 	18
	332	 	 	 	 	 	 	 	 	 	9
	333	 	 	 	 	 	 	 	 	 	10
	334	 	 	 	 	 	 	 	 	 	30
	335	 	 	 	 	 	 	 	 	 	20
	336	 	 	 	 	 	 	 	 	 	18
	337	 	 	 	 	 	 	 	 	 	19
	338	 	 	 	 	 	 	 	 	 	0
	339	 	 	 	 	 	 	 	 	 	7
	340	 	 	 	 	 	 	 	 	 	22
	341	 	 	 	 	 	 	 	 	 	3
	342	 	 	 	 	 	 	 	 	 	0
	343	 	 	 	 	 	 	 	 	 	20
	344	 	 	 	 	 	 	 	 	 	20
	345	 	 	 	 	 	 	 	 	 	28
	346	 	 	 	 	 	 	 	 	 	10
	347	 	 	 	 	 	 	 	 	 	10
	348	 	 	 	 	 	 	 	 	 	8
	349	 	 	 	 	 	 	 	 	 	7
	350	 	 	 	 	 	 	 	 	 	20
	351	 	 	 	 	 	 	 	 	 	1.25
	352	 	 	 	 	 	 	 	 	 	9
	353	 	 	 	 	 	 	 	 	 	21
	354	 	 	 	 	 	 	 	 	 	11
	355	 	 	 	 	 	 	 	 	 	28
	356	 	 	 	 	 	 	 	 	 	15
	357	 	 	 	 	 	 	 	 	 	9.75
	358	 	 	 	 	 	 	 	 	 	6
	359	 	 	 	 	 	 	 	 	 	4
	360	 	 	 	 	 	 	 	 	 	20
	361	 	 	 	 	 	 	 	 	 	20
	362	 	 	 	 	 	 	 	 	 	7
	363	 	 	 	 	 	 	 	 	 	12
	364	 	 	 	 	 	 	 	 	 	28
	365	 	 	 	 	 	 	 	 	 	11
	366	 	 	 	 	 	 	 	 	 	9
	367	 	 	 	 	 	 	 	 	 	12
	368	 	 	 	 	 	 	 	 	 	10
	369	 	 	 	 	 	 	 	 	 	10
	370	 	 	 	 	 	 	 	 	 	27
	371	 	 	 	 	 	 	 	 	 	15
	372	 	 	 	 	 	 	 	 	 	28
	373	 	 	 	 	 	 	 	 	 	30
	374	 	 	 	 	 	 	 	 	 	10
	375	 	 	 	 	 	 	 	 	 	12
	376	 	 	 	 	 	 	 	 	 	20
	377	 	 	 	 	 	 	 	 	 	18.5
	378	 	 	 	 	 	 	 	 	 	31
	379	 	 	 	 	 	 	 	 	 	23
	380	 	 	 	 	 	 	 	 	 	17
	381	 	 	 	 	 	 	 	 	 	43
	382	 	 	 	 	 	 	 	 	 	23
	383	 	 	 	 	 	 	 	 	 	14
	384	 	 	 	 	 	 	 	 	 	18
	385	 	 	 	 	 	 	 	 	 	14
	386	 	 	 	 	 	 	 	 	 	15
	387	 	 	 	 	 	 	 	 	 	16
	388	 	 	 	 	 	 	 	 	 	15
	389	 	 	 	 	 	 	 	 	 	20
	390	 	 	 	 	 	 	 	 	 	12.5
	391	 	 	 	 	 	 	 	 	 	15
	392	 	 	 	 	 	 	 	 	 	10
	393	 	 	 	 	 	 	 	 	 	7
	394	 	 	 	 	 	 	 	 	 	2.25
	395	 	 	 	 	 	 	 	 	 	12
	396	 	 	 	 	 	 	 	 	 	10
	397	 	 	 	 	 	 	 	 	 	5
	398	 	 	 	 	 	 	 	 	 	11
	399	 	 	 	 	 	 	 	 	 	2
	400	 	 	 	 	 	 	 	 	 	8.5
	401	 	 	 	 	 	 	 	 	 	10
	402	 	 	 	 	 	 	 	 	 	15
	403	 	 	 	 	 	 	 	 	 	10
	404	 	 	 	 	 	 	 	 	 	12
	405	 	 	 	 	 	 	 	 	 	20
	406	 	 	 	 	 	 	 	 	 	12
	407	 	 	 	 	 	 	 	 	 	4
	408	 	 	 	 	 	 	 	 	 	16
	409	 	 	 	 	 	 	 	 	 	21
	410	 	 	 	 	 	 	 	 	 	17
	411	 	 	 	 	 	 	 	 	 	24
	412	 	 	 	 	 	 	 	 	 	11.6
	413	 	 	 	 	 	 	 	 	 	25
	414	 	 	 	 	 	 	 	 	 	8
	415	 	 	 	 	 	 	 	 	 	15
	416	 	 	 	 	 	 	 	 	 	10
	417	 	 	 	 	 	 	 	 	 	10
	418	 	 	 	 	 	 	 	 	 	14
	419	 	 	 	 	 	 	 	 	 	39
	420	 	 	 	 	 	 	 	 	 	20
	421	 	 	 	 	 	 	 	 	 	13
	422	 	 	 	 	 	 	 	 	 	13
	423	 	 	 	 	 	 	 	 	 	17
	424	 	 	 	 	 	 	 	 	 	15
	425	 	 	 	 	 	 	 	 	 	20
	426	 	 	 	 	 	 	 	 	 	16.25
	427	 	 	 	 	 	 	 	 	 	21
	428	 	 	 	 	 	 	 	 	 	30
	429	 	 	 	 	 	 	 	 	 	17
	430	 	 	 	 	 	 	 	 	 	0
	431	 	 	 	 	 	 	 	 	 	24
	432	 	 	 	 	 	 	 	 	 	14
	433	 	 	 	 	 	 	 	 	 	20
	434	 	 	 	 	 	 	 	 	 	1.5
	435	 	 	 	 	 	 	 	 	 	10
	436	 	 	 	 	 	 	 	 	 	7
	437	 	 	 	 	 	 	 	 	 	13
	438	 	 	 	 	 	 	 	 	 	6
	439	 	 	 	 	 	 	 	 	 	13
	440	 	 	 	 	 	 	 	 	 	24
	441	 	 	 	 	 	 	 	 	 	2
	442	 	 	 	 	 	 	 	 	 	20
	443	 	 	 	 	 	 	 	 	 	10
	444	 	 	 	 	 	 	 	 	 	16
	445	 	 	 	 	 	 	 	 	 	28
	446	 	 	 	 	 	 	 	 	 	33
	447	 	 	 	 	 	 	 	 	 	28
	448	 	 	 	 	 	 	 	 	 	16
	449	 	 	 	 	 	 	 	 	 	26
	450	 	 	 	 	 	 	 	 	 	16
	451	 	 	 	 	 	 	 	 	 	13
	452	 	 	 	 	 	 	 	 	 	0.2
	453	 	 	 	 	 	 	 	 	 	12
	454	 	 	 	 	 	 	 	 	 	17
	455	 	 	 	 	 	 	 	 	 	17
	456	 	 	 	 	 	 	 	 	 	3
	457	 	 	 	 	 	 	 	 	 	12
	458	 	 	 	 	 	 	 	 	 	4
	459	 	 	 	 	 	 	 	 	 	27
	460	 	 	 	 	 	 	 	 	 	16
	461	 	 	 	 	 	 	 	 	 	22
	462	 	 	 	 	 	 	 	 	 	10
	463	 	 	 	 	 	 	 	 	 	25
	464	 	 	 	 	 	 	 	 	 	40
	465	 	 	 	 	 	 	 	 	 	14
	466	 	 	 	 	 	 	 	 	 	3
	467	 	 	 	 	 	 	 	 	 	17
	468	 	 	 	 	 	 	 	 	 	13
	469	 	 	 	 	 	 	 	 	 	16
	470	 	 	 	 	 	 	 	 	 	11
	471	 	 	 	 	 	 	 	 	 	 
	472	 	 	 	 	 	 	 	 	 	5
	473	 	 	 	 	 	 	 	 	 	10
	474	 	 	 	 	 	 	 	 	 	10
	475	 	 	 	 	 	 	 	 	 	7
	476	 	 	 	 	 	 	 	 	 	6
	477	 	 	 	 	 	 	 	 	 	 
	478	 	 	 	 	 	 	 	 	 	14
	479	 	 	 	 	 	 	 	 	 	13
	480	 	 	 	 	 	 	 	 	 	16
	481	 	 	 	 	 	 	 	 	 	5
	482	 	 	 	 	 	 	 	 	 	17
	483	5053.32	 	 	 	 	 	 	 	 	15
	484	4542.31	 	 	 	 	 	 	 	 	20
	485	3545.7	 	 	 	 	 	 	 	 	23
	486	2646.04	 	 	 	 	 	 	 	 	14
	487	2593.12	 	 	 	 	 	 	 	 	20
	488	4762.87	 	 	 	 	 	 	 	 	11
	489	3341.91	 	 	 	 	 	 	 	 	15
	490	4267.36	 	 	 	 	 	 	 	 	15
	491	5655.53	 	 	 	 	 	 	 	 	24
	492	 	 	 	 	 	 	 	 	 	9
	493	 	 	 	 	 	 	 	 	 	7
	494	 	 	 	 	 	 	 	 	 	10
	495	 	 	 	 	 	 	 	 	 	11
	496	 	 	 	 	 	 	 	 	 	10
	497	 	 	 	 	 	 	 	 	 	15
	498	 	 	 	 	 	 	 	 	 	30
	499	 	 	 	 	 	 	 	 	 	15
	500	 	 	 	 	 	 	 	 	 	20
	501	 	 	 	 	 	 	 	 	 	31
	502	 	 	 	 	 	 	 	 	 	11
	503	 	 	 	 	 	 	 	 	 	20
	504	 	 	 	 	 	 	 	 	 	4
	505	 	 	 	 	 	 	 	 	 	25
	506	 	 	 	 	 	 	 	 	 	20
	507	 	 	 	 	 	 	 	 	 	14
	508	 	 	 	 	 	 	 	 	 	24
	509	 	 	 	 	 	 	 	 	 	10
	510	 	 	 	 	 	 	 	 	 	25
	511	 	 	 	 	 	 	 	 	 	26

 

	 	161	162	163	164	165	166	167
	 	CoBrrw - Yrs at in 

Industry	Junior Mortgage 

Drawn Amount	Maturity Date	Primary Borrower 

Wage Income

 (Salary)	Primary Borrower

 Wage Income 

(Bonus)	Primary Borrower 

Wage Income 

(Commission)	Co-Borrower 

Wage Income 

(Salary)
	1	0	0	20411101	6193	0	0	0
	2	4	280000	20410801	8333	0	0	7002
	3	3.8	57500	20411101	6229.17	0	0	7355.79
	4	 	130389	20271101	25781.25	0	0	0
	5	 	0	20271001	24723	0	0	0
	6	33	0	20271001	269436.19	0	0	269436.19
	7	6	0	20271001	11030.79	0	0	2228.3
	8	 	0	20271001	22253.77	0	0	0
	9	13	0	20271001	14443.67	0	0	3375
	10	 	0	20271001	26608.5	0	0	0
	11	 	0	20271001	116173.15	0	0	0
	12	10	0	20271001	9583.34	0	0	12083.33
	13	 	0	20271101	16666.68	0	37595.06	0
	14	10	0	20420201	0	0	0	0
	15	20	0	20270901	17178	0	0	7719
	16	40	0	20271101	50733.88	0	0	0
	17	5	0	20271101	0	0	32485	0
	18	 	0	20271001	35427.34	0	0	0
	19	 	0	20271001	40000	0	0	0
	20	 	0	20271001	43169.42	0	0	0
	21	12	0	20420301	12500	0	0	3750
	22	 	0	20420901	29620	0	0	0
	23	 	430000	20420101	29166.67	27083.34	0	0
	24	 	0	20220701	45422.38	0	0	0
	25	 	0	20220701	119059.99	0	0	0
	26	 	0	20220701	45744	0	0	0
	27	33	97120	20220701	14000	0	0	19250
	28	 	0	20420601	1456.22	0	0	0
	29	 	70000	20420901	6284.74	0	0	0
	30	30	0	20420701	14166.66	-1058.08	0	5762
	31	10	0	20420901	20000	9611	0	3847
	32	 	0	20420701	30942	0	0	0
	33	1	0	20420701	22680	0	0	0
	34	 	0	20420701	16360.82	0	0	0
	35	12	0	20420801	7939.25	0	0	3333.33
	36	10	0	20420701	5541.66	0	0	17916.67
	37	11	0	20420701	12802.4	0	0	10193.73
	38	30	0	20420701	19500	0	0	3600
	39	14	0	20420601	13541.66	0	0	10416.67
	40	 	0	20420601	7639	2468	6328	0
	41	26	0	20420701	25981	0	0	13478.59
	42	 	0	20420901	17500	0	0	0
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	45	23	0	20420601	0	0	0	0
	46	 	0	20420701	27466	10362	0	0
	47	 	0	20420801	12500	0	0	0
	48	 	0	20420801	0	0	73769.36	0
	49	NA	0	20420701	12333	0	0	0
	50	 	0	20420801	41636	0	0	0
	51	 	0	20420801	19208	0	0	0
	52	 	0	20420801	53382	0	0	0
	53	15	0	20420801	16299	0	0	8301
	54	 	0	20420801	35112	0	0	0
	55	8	1000000	20420701	35639	1666	0	0
	56	15	0	20420701	8333	0	0	16450
	57	16	25000	20420701	8485	0	0	26058
	58	5	0	20420601	11514	0	0	9752
	59	20	0	20420601	20000	0	0	8563.25
	60	14	0	20420601	12500	0	0	14107.76
	61	 	0	20420601	10000	1151	0	11262.51
	62	 	0	20420801	12500	7500	0	0
	63	 	0	20420601	23332	0	0	0
	64	32	0	20420801	23458	0	0	9913
	65	 	0	20420601	43406	0	0	0
	66	 	0	20420701	20773.67	0	0	0
	67	 	0	20420601	15000	2455	0	0
	68	 	0	20420601	62242	0	0	0
	69	 	0	20420801	10675.25	0	0	0
	70	28	520000	20420601	27083	0	0	10611
	71	5.3	250000	20420601	10190	0	0	11675.1
	72	NA	0	20261201	42066	0	0	0
	73	 	37726	20270101	13333.33	0	0	0
	74	 	0	20261201	20443	0	0	0
	75	 	0	20270401	0	0	0	0
	76	NA	0	20260701	70224.17	0	0	0
	77	 	0	20260701	49521	0	0	0
	78	 	0	20270701	12771	0	0	0
	79	 	0	20270101	23421.13	0	0	0
	80	 	0	20260201	7334.86	0	0	0
	81	 	0	20270401	10419.99	14469	0	0
	82	16	0	20261001	28302	8238	0	0
	83	10.8	0	20261101	12061.71	0	0	9902.53
	84	 	0	20270501	91423.83	0	0	0
	85	 	0	20270101	36512.25	0	0	0
	86	 	0	20261101	28816	0	0	0
	87	15	0	20260301	19952	0	0	4768
	88	NA	0	20260201	25000	0	0	0
	89	10	0	20270101	13208	0	0	12000
	90	 	0	20260401	8514.82	804.23	0	0
	91	21	0	20260501	16572	0	0	19297
	92	7	0	20270401	23333.33	9586.33	0	0
	93	4.4	0	20261201	22045	2104	0	51459
	94	 	0	20260301	26138.04	0	0	0
	95	5.1	0	20270401	15989	0	0	8000
	96	 	0	20270401	26000	0	0	0
	97	 	0	20270701	19500	0	0	0
	98	21	200000	20270401	15600	11666.66	0	0
	99	37	0	20270601	32195	0	0	18041
	100	 	0	20260801	19732	7146	0	0
	101	 	0	20270101	45001	0	0	0
	102	 	0	20270801	119559	0	0	0
	103	 	0	20270801	83333	0	0	0
	104	NA	0	20260201	62083.51	0	0	0
	105	18	0	20270701	19833.33	1223	0	15950
	106	12	0	20270401	23750	0	0	13733
	107	 	0	20260201	6666	7143	38177	0
	108	 	0	20260401	15833	7710	0	0
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	110	 	0	20260901	14213.76	20770.03	0	0
	111	 	0	20260401	48498.38	0	0	0
	112	10	0	20270701	0	0	19849	7702
	113	 	0	20270501	79480	0	0	0
	114	21	0	20270301	6263	0	0	14166
	115	8.1	0	20260401	40894.29	1476.53	0	0
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	117	 	0	20260201	24250	0	0	0
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	119	14	0	20270101	32067	0	0	10062
	120	 	0	20260901	44395.67	0	0	0
	121	 	0	20270601	24583	0	0	0
	122	NA	0	20270201	34999	4849	0	0
	123	7.1	0	20270701	13684	0	0	9585
	124	 	0	20260401	26184	26067	0	0
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	126	12	0	20260601	19219.33	0	0	9266.13
	127	26	0	20270801	60598	0	0	0
	128	 	0	20261201	34984.92	0	0	0
	129	9	0	20270601	15937.83	11605.56	0	0
	130	4	0	20260201	4237.56	0	0	2160
	131	3.1	0	20270101	25066.16	0	0	37500
	132	 	0	20270201	8333.33	52041	0	0
	133	6	0	20260401	37360.16	0	0	2569.83
	134	NA	0	20260401	126316	0	0	0
	135	 	0	20260201	36883.33	0	0	0
	136	 	0	20270401	17500	0	0	0
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	138	 	0	20260601	36666	0	0	0
	139	11	0	20270701	6125	12617	0	0
	140	 	0	20270201	54548.52	0	0	0
	141	20	0	20260801	0	0	0	25415
	142	8	0	20260901	30992.98	0	0	10241.66
	143	NA	0	20260801	12915	0	0	0
	144	 	0	20261201	12158.59	69601	0	0
	145	 	0	20261201	84196.71	0	0	0
	146	NA	0	20260901	25299	0	0	0
	147	9	0	20270501	12923	6938.07	0	0
	148	18	445528	20260501	14369	23184	0	0
	149	 	0	20260201	13750	0	0	0
	150	17	0	20270501	19066	0	0	9254
	151	 	0	20260701	59168.83	0	0	0
	152	25	0	20261201	12533.84	0	0	10135.02
	153	15	200000	20261201	40658.33	0	0	12501.46
	154	 	0	20270101	28173	0	0	0
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	157	 	0	20270901	0	0	0	0
	158	15	0	20270901	0	0	0	33333.32
	159	6.3	0	20271001	11253.2	0	0	13475.82
	160	 	0	20270901	57700.53	0	0	0
	161	 	0	20420801	0	0	10129.75	0
	162	2	0	20420901	13577	0	0	0
	163	 	75000	20420901	16666.66	0	0	0
	164	23	0	20220901	13059.18	0	0	23012.95
	165	 	0	20270901	20000	46924	0	0
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	167	 	0	20420901	13715	0	0	0
	168	 	0	20420801	17874.28	11374.67	0	0
	169	3	0	20420901	9479.6	3640	0	0
	170	 	0	20420601	18750	0	0	0
	171	 	0	20420901	13000	0	0	0
	172	16	0	20420901	13820.84	0	0	12916.66
	173	 	0	20420901	15000.31	0	0	0
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	175	 	0	20420901	0	0	0	0
	176	 	0	20420901	10416.66	0	53864	0
	177	 	155400	20420901	19095	0	0	0
	178	 	0	20420901	31285.87	0	0	0
	179	NA	0	20420901	15416.67	0	0	0
	180	 	0	20420901	12500	4224	0	0
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	184	 	0	20220901	22354	0	0	0
	185	8	0	20270901	0	0	0	0
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	190	 	144000	20270901	28000	0	0	0
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	192	 	0	20420101	29167	27083	0	0
	193	7	0	20411001	10417	0	0	0
	194	 	500000	20420101	20833.34	6458.33	0	0
	195	 	450000	20410701	0	0	0	0
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	198	 	0	20420101	23403.93	0	0	0
	199	 	0	20410901	21785.71	16642.06	0	0
	200	0	0	20411201	17813	0	0	0
	201	0	250000	20421001	20333.92	8246	0	0
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	205	23	0	20420601	50000	0	0	0
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	207	10	0	20420801	17660.83	0	0	2348.42
	208	0	0	20420501	16512	0	0	0
	209	 	0	20420201	12500	0	6614.77	0
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	215	 	0	20420701	24500.67	0	0	0
	216	 	0	20420701	14445.76	10159.25	0	0
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	219	15	0	20420301	42670	0	0	5225
	220	7	0	20421001	15604	0	0	5460
	221	0	0	20421001	25000	0	0	0
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	223	12	0	20421101	14820	0	0	10213.75
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	225	 	333732	20420901	23206.95	0	0	0
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	227	11	0	20421001	6553.44	0	0	7347.82
	228	15	0	20421101	7925.5	0	0	7083.34
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	233	15	0	20421101	12292.48	0	0	6784.27
	234	9	0	20421101	9168	0	0	4637.34
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	237	 	300000	20420901	16878.6	0	0	0
	238	12	0	20421101	10666.67	0	0	33381.29
	239	12	60000	20421101	0	0	0	21462.84
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	244	20.75	0	20421101	4636.71	0	0	3943
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	252	6.5	0	20421201	19719.62	0	0	0
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	254	18.5	0	20421001	295781.58	0	0	0
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	265	15	0	20420901	19000	6666.67	0	915.59
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	383	14	0	20421201	13541.66	0	0	47903.92
	384	 	0	20421201	28201.75	0	0	0
	385	 	0	20421101	16158.33	3685.75	0	0
	386	 	0	20421101	12473.35	13955.8	0	0
	387	 	0	20421001	14905.77	0	0	0
	388	15	0	20421201	4501.44	0	0	6666.68
	389	 	0	20421101	20000.5	0	0	0
	390	12	0	20421101	14582.53	5913.42	0	12274.44
	391	 	0	20421101	13743.08	0	0	0
	392	8	0	20421201	12280.46	2762.36	0	10686.35
	393	 	0	20421101	25525.67	0	0	0
	394	 	0	20421201	10857.42	0	0	0
	395	 	0	20421001	20585.58	0	0	0
	396	 	0	20421101	12065.41	0	0	0
	397	 	0	20421101	15833.34	0	0	0
	398	12	0	20421101	10758.32	0	0	0
	399	6.5	0	20421101	6250	0	0	11123
	400	 	0	20421101	16356.91	0	0	0
	401	15	0	20421101	18128.71	0	0	5137.14
	402	 	25000	20421101	1247.5	0	29342	0
	403	 	0	20421101	11618.22	0	0	0
	404	 	0	20421201	1972	0	19281.82	0
	405	15	0	20421101	13333.33	0	0	6746.58
	406	 	0	20421101	15022.88	0	0	0
	407	20	0	20421001	6875	0	0	8155.68
	408	0	0	20421001	36250	0	0	0
	409	0	0	20420901	12500	0	0	0
	410	 	200000	20421101	21248.93	0	0	0
	411	 	0	20421101	9241.25	0	0	0
	412	11.4	0	20421001	9072	0	0	9072
	413	 	0	20421001	0	0	99438.29	0
	414	17	0	20421001	12500	0	0	9888.08
	415	13	0	20421001	8883.34	0	0	4683.34
	416	7	0	20421001	13120	0	0	7417
	417	16	0	20421001	6842.9	0	0	27000
	418	0	0	20421001	17000	0	0	0
	419	4	175200	20421101	16666.67	0	0	431.66
	420	10	0	20421101	9584.84	0	0	5687.75
	421	13	0	20421101	9071.96	0	0	9152.42
	422	13	0	20421101	30275.83	0	0	6242.24
	423	8	0	20421101	10790	0	0	6041.67
	424	 	0	20421201	10045	0	0	0
	425	 	0	20420901	18464.7	3333.33	0	0
	426	 	0	20421101	35093.04	0	0	0
	427	20	0	20421101	10728.86	0	0	0
	428	22	0	20421101	23743.04	0	0	6236.82
	429	15	0	20421101	8154.16	0	0	7341.66
	430	 	0	20421101	36911.33	0	0	0
	431	0	0	20420901	44332	0	0	0
	432	 	0	20421101	14583.33	0	22008.25	0
	433	20	0	20421001	141838	0	0	0
	434	1	0	20320801	49242	0	0	0
	435	 	0	20420901	0	0	0	0
	436	4	0	20421101	14409.13	4166.66	0	3992
	437	7	0	20421101	16666.66	0	0	10833.42
	438	12	0	20421101	0	0	0	0
	439	4	0	20421101	25000	0	0	3281
	440	15	0	20421101	36806.26	0	0	2266.66
	441	 	0	20421201	0	0	0	0
	442	 	0	20421101	0	0	0	0
	443	10	0	20421201	18750	0	0	13500
	444	3	200000	20421201	30833.33	0	0	13000
	445	 	0	20430101	46332.64	0	0	0
	446	 	0	20421201	74208	0	0	0
	447	16	0	20421201	6000	0	0	13050
	448	 	0	20421201	32583.33	0	0	0
	449	26	0	20430101	10125	0	0	19200
	450	14	0	20420901	20000	0	0	23144
	451	10	0	20420801	9914.75	0	0	11500
	452	5	0	20420801	12924.82	0	0	11132.57
	453	10	0	20420801	6863.37	0	0	18499.99
	454	8	0	20420801	12158.34	7632.45	0	0
	455	15	0	20420901	72092	0	0	0
	456	3	0	20420901	13750	0	0	25000
	457	11	0	20420901	7825.3	1532.45	0	4496.1
	458	 	0	20420901	97495	0	0	0
	459	 	115295	20421001	34000	0	0	0
	460	14	0	20420901	15719	0	0	17815
	461	 	0	20420901	16583	0	0	0
	462	 	0	20420901	33955	0	0	0
	463	25	0	20420901	9111	0	0	16250
	464	 	0	20420901	22206	0	0	0
	465	12	0	20420901	4500	0	1851.19	12930
	466	5	0	20420901	31250	0	0	5725
	467	 	0	20420901	12333.34	2236.38	0	0
	468	18	0	20420901	13442	0	0	12083
	469	14	0	20420901	17343.25	0	0	12519.92
	470	 	0	20420901	9999.99	25000	0	0
	471	 	0	20420901	0	0	0	0
	472	 	0	20420901	17046.83	0	0	0
	473	 	0	20420901	42419	0	0	0
	474	 	0	20420901	1999	15119	6823	0
	475	 	0	20420901	0	0	0	0
	476	1.3	0	20420901	15416.66	0	0	9166.66
	477	 	0	20421001	0	0	0	0
	478	11	0	20421001	8333.34	0	2000	2069
	479	12	0	20421001	17510	0	0	11539.42
	480	 	0	20420901	14583.34	0	0	0
	481	3	0	20420901	9458	0	0	8459
	482	 	0	20420901	30024	0	0	0
	483	9	0	20391101	10266.34	0	0	7757
	484	20	0	20400101	20000	0	0	3061.88
	485	 	0	20410101	22533.34	0	0	0
	486	 	0	20410501	8245.18	0	0	0
	487	 	0	20410601	10289.85	0	0	0
	488	10	0	20410701	24999.99	0	0	15000
	489	10	0	20410901	7877.32	0	0	18360.17
	490	 	0	20410901	23340	0	0	0
	491	 	0	20420101	57169.42	0	0	6786.16
	492	 	0	20420201	15097.51	0	0	0
	493	 	0	20420201	14875	0	0	0
	494	11	0	20420301	15606	0	0	8541.56
	495	3	200000	20420301	21547.62	0	0	12082.17
	496	7	0	20420401	14838.55	0	0	13942.75
	497	15	0	20420401	8148.92	0	0	8483.63
	498	 	0	20420401	54166.66	0	0	0
	499	 	0	20420401	0	0	0	0
	500	 	0	20420401	25040.75	0	0	0
	501	 	0	20420501	18555.93	0	0	0
	502	25	0	20420501	7353.17	0	0	6989.57
	503	16	0	20420601	6394.58	0	0	5311.83
	504	 	0	20420601	9174.64	0	0	0
	505	15	50000	20420601	13648.34	0	0	11466.26
	506	12	0	20420601	10076.58	0	0	1239.17
	507	 	0	20420701	17070.21	0	0	0
	508	 	0	20420701	20833.33	242298.12	0	0
	509	3	140035	20420701	20000	0	0	19166.66
	510	 	450000	20420701	16250	37019.33	0	0
	511	20	200000	20420801	20166.66	0	0	9567.62

 

	 	168	169	170	171	172
	 	Co-Borrower

Wage Income

(Bonus)	Co-Borrower 

Wage Income 

(Commission)	Originator Doc

 Code	RWT Income 

Verification	RWT Asset 

Verification
	1	0	 	Full	Two Years	One Month
	2	0	0	Full	Two Years	Two Months
	3	0	0	Full	Two Years	Two Months
	4	0	0	Full	Two Years	Two Months
	5	0	0	Full	Two Years	Two Months
	6	0	0	Full	Two Years	Two Months
	7	0	0	Full	Two Years	Two Months
	8	0	0	Full	Two Years	Two Months
	9	0	0	Full	Two Years	Two Months
	10	0	0	Full	Two Years	Two Months
	11	0	0	Full	Two Years	Two Months
	12	0	0	Full	Two Years	Two Months
	13	0	0	Full	Two Years	Two Months
	14	0	0	Full	Two Years	Two Months
	15	0	0	Full	Two Years	Two Months
	16	0	0	Full	Two Years	Two Months
	17	0	0	Full	Two Years	Two Months
	18	0	0	Full	Two Years	Two Months
	19	0	0	Full	Two Years	Two Months
	20	0	0	Full	Two Years	Two Months
	21	0	0	Full	Two Years	Two Months
	22	0	0	Full	Two Years	Two Months
	23	0	0	Full	Two Years	Two Months
	24	0	0	Full	Two Years	Two Months
	25	0	0	Full	Two Years	Two Months
	26	0	0	Full	Two Years	Two Months
	27	0	0	Full	Two Years	Two Months
	28	0	0	Full	Two Years	Two Months
	29	0	0	Full	Two Years	Two Months
	30	0	0	Full	Two Years	Two Months
	31	0	0	Full	Two Years	Two Months
	32	0	0	Full	Two Years	Two Months
	33	0	0	Full	Two Years	Two Months
	34	0	0	Full	Two Years	Two Months
	35	0	0	Full	Two Years	Two Months
	36	0	0	Full	Two Years	Two Months
	37	0	0	Full	Two Years	Two Months
	38	0	0	Full	Two Years	Two Months
	39	0	0	Full	Two Years	Two Months
	40	0	0	Full	Two Years	Two Months
	41	0	0	Full	Two Years	Two Months
	42	0	0	Full	Two Years	Two Months
	43	0	0	Full	Two Years	Two Months
	44	0	0	Full	Two Years	Two Months
	45	0	53020	Full	Two Years	Two Months
	46	0	0	Full	Two Years	Two Months
	47	0	0	Full	Two Years	Two Months
	48	0	0	Full	Two Years	Two Months
	49	0	0	Full	Two Years	Two Months
	50	0	0	Full	Two Years	Two Months
	51	0	0	Full	Two Years	Two Months
	52	0	0	Full	Two Years	Two Months
	53	0	0	Full	Two Years	Two Months
	54	0	0	Full	Two Years	Two Months
	55	0	0	Full	Two Years	Two Months
	56	0	0	Full	Two Years	Two Months
	57	0	0	Full	Two Years	Two Months
	58	0	0	Full	Two Years	Two Months
	59	0	0	Full	Two Years	Two Months
	60	0	0	Full	Two Years	Two Months
	61	0	0	Full	Two Years	Two Months
	62	0	0	Full	Two Years	Two Months
	63	0	0	Full	Two Years	Two Months
	64	0	0	Full	Two Years	Two Months
	65	0	0	Full	Two Years	Two Months
	66	0	0	Full	Two Years	Two Months
	67	0	0	Full	Two Years	Two Months
	68	0	0	Full	Two Years	Two Months
	69	0	0	Full	Two Years	Two Months
	70	0	0	Full	Two Years	Two Months
	71	0	0	Full	Two Years	Two Months
	72	0	0	Full	Two Years	Two Months
	73	0	0	Full	Two Years	Two Months
	74	0	0	Full	Two Years	Two Months
	75	0	0	Full	Two Years	Two Months
	76	0	0	Full	Two Years	Two Months
	77	0	0	Full	Two Years	Two Months
	78	0	0	Full	Two Years	Two Months
	79	0	0	Full	Two Years	Two Months
	80	0	0	Full	Two Years	Two Months
	81	0	0	Full	Two Years	Two Months
	82	0	0	Full	Two Years	Two Months
	83	0	0	Full	Two Years	Two Months
	84	0	0	Full	Two Years	Two Months
	85	0	0	Full	Two Years	Two Months
	86	0	0	Full	Two Years	Two Months
	87	0	0	Full	Two Years	Two Months
	88	0	0	Full	Two Years	Two Months
	89	0	0	Full	Two Years	Two Months
	90	0	0	Full	Two Years	Two Months
	91	0	0	Full	Two Years	Two Months
	92	0	0	Full	Two Years	Two Months
	93	0	0	Full	Two Years	Two Months
	94	0	0	Full	Two Years	Two Months
	95	0	0	Full	Two Years	Two Months
	96	0	0	Full	Two Years	Two Months
	97	0	0	Full	Two Years	Two Months
	98	0	0	Full	Two Years	Two Months
	99	0	0	Full	Two Years	Two Months
	100	0	0	Full	Two Years	Two Months
	101	0	0	Full	Two Years	Two Months
	102	0	0	Full	Two Years	Two Months
	103	0	0	Full	Two Years	Two Months
	104	0	0	Full	Two Years	Two Months
	105	1060	0	Full	Two Years	Two Months
	106	0	0	Full	Two Years	Two Months
	107	0	0	Full	Two Years	Two Months
	108	0	0	Full	Two Years	Two Months
	109	0	0	Full	Two Years	Two Months
	110	0	0	Full	Two Years	Two Months
	111	0	0	Full	Two Years	Two Months
	112	0	0	Full	Two Years	Two Months
	113	0	0	Full	Two Years	Two Months
	114	0	0	Full	Two Years	Two Months
	115	0	0	Full	Two Years	Two Months
	116	0	0	Full	Two Years	Two Months
	117	0	0	Full	Two Years	Two Months
	118	0	 	Full	Two Years	Two Months
	119	0	0	Full	Two Years	Two Months
	120	0	0	Full	Two Years	Two Months
	121	0	0	Full	Two Years	Two Months
	122	0	0	Full	Two Years	Two Months
	123	0	0	Full	Two Years	Two Months
	124	0	0	Full	Two Years	Two Months
	125	0	0	Full	Two Years	Two Months
	126	0	0	Full	Two Years	Two Months
	127	0	0	Full	Two Years	Two Months
	128	0	0	Full	Two Years	Two Months
	129	0	0	Full	Two Years	Two Months
	130	0	0	Full	Two Years	Two Months
	131	0	0	Full	Two Years	Two Months
	132	0	0	Full	Two Years	Two Months
	133	0	0	Full	Two Years	Two Months
	134	0	0	Full	Two Years	Two Months
	135	0	0	Full	Two Years	Two Months
	136	0	0	Full	Two Years	Two Months
	137	0	0	Full	Two Years	Two Months
	138	0	0	Full	Two Years	Two Months
	139	0	0	Full	Two Years	Two Months
	140	0	0	Full	Two Years	Two Months
	141	66104	0	Full	Two Years	Two Months
	142	0	0	Full	Two Years	Two Months
	143	0	0	Full	Two Years	Two Months
	144	0	0	Full	Two Years	Two Months
	145	0	0	Full	Two Years	Two Months
	146	0	0	Full	Two Years	Two Months
	147	0	0	Full	Two Years	Two Months
	148	0	0	Full	Two Years	Two Months
	149	0	0	Full	Two Years	Two Months
	150	0	0	Full	Two Years	Two Months
	151	0	0	Full	Two Years	Two Months
	152	0	0	Full	Two Years	Two Months
	153	0	0	Full	Two Years	Two Months
	154	0	0	Full	Two Years	Two Months
	155	0	0	Full	Two Years	Two Months
	156	0	0	Full	Two Years	Two Months
	157	0	0	Full	Two Years	Two Months
	158	0	0	Full	Two Years	Two Months
	159	0	0	Full	Two Years	Two Months
	160	0	0	Full	Two Years	Two Months
	161	0	0	Full	Two Years	Two Months
	162	0	0	Full	Two Years	Two Months
	163	0	0	Full	Two Years	Two Months
	164	0	0	Full	Two Years	Two Months
	165	0	0	Full	Two Years	Two Months
	166	0	0	Full	Two Years	Two Months
	167	0	0	Full	Two Years	Two Months
	168	0	0	Full	Two Years	Two Months
	169	0	0	Full	Two Years	Two Months
	170	0	0	Full	Two Years	Two Months
	171	0	0	Full	Two Years	Two Months
	172	0	0	Full	Two Years	Two Months
	173	0	0	Full	Two Years	Two Months
	174	0	0	Full	Two Years	Two Months
	175	0	0	Full	Two Years	Two Months
	176	0	0	Full	Two Years	Two Months
	177	0	0	Full	Two Years	Two Months
	178	0	0	Full	Two Years	Two Months
	179	0	0	Full	Two Years	Two Months
	180	0	0	Full	Two Years	Two Months
	181	0	0	Full	Two Years	Two Months
	182	0	0	Full	Two Years	Two Months
	183	0	0	Full	Two Years	Two Months
	184	0	0	Full	Two Years	Two Months
	185	0	0	Full	Two Years	Two Months
	186	0	0	Full	Two Years	Two Months
	187	0	0	Full	Two Years	Two Months
	188	0	0	Full	Two Years	Two Months
	189	0	0	Full	Two Years	Two Months
	190	0	0	Full	Two Years	Two Months
	191	0	0	Full	Two Years	Two Months
	192	0	0	Full	Two Years	Two Months
	193	0	0	Full	Two Years	Two Months
	194	0	0	Full	Two Years	Two Months
	195	0	0	Full	Two Years	Two Months
	196	0	0	Full	Two Years	Two Months
	197	0	0	Full	Two Years	Two Months
	198	0	0	Full	Two Years	Two Months
	199	0	0	Full	Two Years	Two Months
	200	0	0	Full	Two Years	Two Months
	201	0	0	Full	Two Years	Two Months
	202	0	0	Full	Two Years	Two Months
	203	0	0	Full	Two Years	Two Months
	204	0	0	Full	Two Years	Two Months
	205	0	0	Full	Two Years	Two Months
	206	0	0	Full	Two Years	Two Months
	207	0	0	Full	Two Years	Two Months
	208	0	0	Full	Two Years	Two Months
	209	0	0	Full	Two Years	Two Months
	210	0	0	Full	Two Years	Two Months
	211	0	0	Full	Two Years	Two Months
	212	0	0	Full	Two Years	Two Months
	213	0	0	Full	Two Years	Two Months
	214	0	0	Full	Two Years	Two Months
	215	0	0	Full	Two Years	Two Months
	216	0	0	Full	Two Years	Two Months
	217	0	0	Full	Two Years	Two Months
	218	0	0	Full	Two Years	Two Months
	219	0	0	Full	Two Years	Two Months
	220	0	0	Full	Two Years	Two Months
	221	0	0	Full	Two Years	Two Months
	222	0	0	Full	Two Years	Two Months
	223	0	0	Full	Two Years	Two Months
	224	0	0	Full	Two Years	Two Months
	225	0	0	Full	Two Years	Two Months
	226	0	0	Full	Two Years	Two Months
	227	0	0	Full	Two Years	Two Months
	228	0	0	Full	Two Years	Two Months
	229	0	0	Full	Two Years	Two Months
	230	0	0	Full	Two Years	Two Months
	231	0	0	Full	Two Years	Two Months
	232	0	0	Full	Two Years	Two Months
	233	0	0	Full	Two Years	Two Months
	234	0	0	Full	Two Years	Two Months
	235	0	0	Full	Two Years	Two Months
	236	0	0	Full	Two Years	Two Months
	237	0	0	Full	Two Years	Two Months
	238	0	0	Full	Two Years	Two Months
	239	0	0	Full	Two Years	Two Months
	240	0	0	Full	Two Years	Two Months
	241	0	0	Full	Two Years	Two Months
	242	0	0	Full	Two Years	Two Months
	243	0	0	Full	Two Years	Two Months
	244	0	0	Full	Two Years	Two Months
	245	0	0	Full	Two Years	Two Months
	246	0	0	Full	Two Years	Two Months
	247	0	0	Full	Two Years	Two Months
	248	0	0	Full	Two Years	Two Months
	249	0	0	Full	Two Years	Two Months
	250	0	0	Full	Two Years	Two Months
	251	0	0	Full	Two Years	Two Months
	252	0	0	Full	Two Years	Two Months
	253	0	0	Full	Two Years	Two Months
	254	0	0	Full	Two Years	Two Months
	255	0	0	Full	Two Years	Two Months
	256	0	0	Full	Two Years	Two Months
	257	0	0	Full	Two Years	Two Months
	258	0	0	Full	Two Years	Two Months
	259	0	0	Full	Two Years	Two Months
	260	0	0	Full	Two Years	Two Months
	261	0	0	Full	Two Years	Two Months
	262	0	0	Full	Two Years	Two Months
	263	0	0	Full	Two Years	Two Months
	264	0	0	Full	Two Years	Two Months
	265	0	0	Full	Two Years	Two Months
	266	0	0	Full	Two Years	Two Months
	267	0	0	Full	Two Years	Two Months
	268	0	0	Full	Two Years	Two Months
	269	0	0	Full	Two Years	Two Months
	270	0	0	Full	Two Years	Two Months
	271	0	0	Full	Two Years	Two Months
	272	0	0	Full	Two Years	Two Months
	273	0	0	Full	Two Years	Two Months
	274	0	0	Full	Two Years	Two Months
	275	0	0	Full	Two Years	Two Months
	276	0	0	Full	Two Years	Two Months
	277	0	0	Full	Two Years	Two Months
	278	0	0	Full	Two Years	Two Months
	279	0	0	Full	Two Years	Two Months
	280	0	0	Full	Two Years	Two Months
	281	0	0	Full	Two Years	Two Months
	282	0	0	Full	Two Years	Two Months
	283	0	0	Full	Two Years	Two Months
	284	0	0	Full	Two Years	Two Months
	285	0	0	Full	Two Years	Two Months
	286	0	0	Full	Two Years	Two Months
	287	0	0	Full	Two Years	Two Months
	288	0	0	Full	Two Years	Two Months
	289	0	0	Full	Two Years	Two Months
	290	0	0	Full	Two Years	Two Months
	291	0	0	Full	Two Years	Two Months
	292	0	0	Full	Two Years	Two Months
	293	0	0	Full	Two Years	Two Months
	294	0	0	Full	Two Years	Two Months
	295	0	0	Full	Two Years	Two Months
	296	0	0	Full	Two Years	Two Months
	297	0	0	Full	Two Years	Two Months
	298	0	0	Full	Two Years	Two Months
	299	0	0	Full	Two Years	Two Months
	300	0	0	Full	Two Years	Two Months
	301	0	0	Full	Two Years	Two Months
	302	0	0	Full	Two Years	Two Months
	303	0	0	Full	Two Years	Two Months
	304	0	0	Full	Two Years	Two Months
	305	0	0	Full	Two Years	Two Months
	306	0	0	Full	Two Years	Two Months
	307	0	0	Full	Two Years	Two Months
	308	1976.55	0	Full	Two Years	Two Months
	309	0	0	Full	Two Years	Two Months
	310	0	0	Full	Two Years	Two Months
	311	0	0	Full	Two Years	Two Months
	312	0	0	Full	Two Years	Two Months
	313	0	0	Full	Two Years	Two Months
	314	0	0	Full	Two Years	Two Months
	315	0	0	Full	Two Years	Two Months
	316	0	0	Full	Two Years	Two Months
	317	0	0	Full	Two Years	Two Months
	318	0	0	Full	Two Years	Two Months
	319	0	0	Full	Two Years	Two Months
	320	0	0	Full	Two Years	Two Months
	321	0	0	Full	Two Years	Two Months
	322	0	0	Full	Two Years	Two Months
	323	0	0	Full	Two Years	Two Months
	324	0	0	Full	Two Years	Two Months
	325	0	0	Full	Two Years	Two Months
	326	0	0	Full	Two Years	Two Months
	327	0	0	Full	Two Years	Two Months
	328	0	0	Full	Two Years	Two Months
	329	0	0	Full	Two Years	Two Months
	330	0	0	Full	Two Years	Two Months
	331	0	0	Full	Two Years	Two Months
	332	0	0	Full	Two Years	Two Months
	333	0	0	Full	Two Years	Two Months
	334	0	0	Full	Two Years	Two Months
	335	0	0	Full	Two Years	Two Months
	336	0	0	Full	Two Years	Two Months
	337	0	0	Full	Two Years	Two Months
	338	0	0	Full	Two Years	Two Months
	339	0	0	Full	Two Years	Two Months
	340	0	0	Full	Two Years	Two Months
	341	0	0	Full	Two Years	Two Months
	342	0	0	Full	Two Years	Two Months
	343	0	0	Full	Two Years	Two Months
	344	0	10857.84	Full	Two Years	Two Months
	345	0	0	Full	Two Years	Two Months
	346	0	0	Full	Two Years	Two Months
	347	0	0	Full	Two Years	Two Months
	348	634	0	Full	Two Years	Two Months
	349	413.25	4022.71	Full	Two Years	Two Months
	350	0	0	Full	Two Years	Two Months
	351	0	0	Full	Two Years	Two Months
	352	0	0	Full	Two Years	Two Months
	353	0	0	Full	Two Years	Two Months
	354	0	0	Full	Two Years	Two Months
	355	0	0	Full	Two Years	Two Months
	356	0	0	Full	Two Years	Two Months
	357	0	0	Full	Two Years	Two Months
	358	0	0	Full	Two Years	Two Months
	359	0	0	Full	Two Years	Two Months
	360	0	0	Full	Two Years	Two Months
	361	0	0	Full	Two Years	Two Months
	362	0	0	Full	Two Years	Two Months
	363	0	0	Full	Two Years	Two Months
	364	0	0	Full	Two Years	Two Months
	365	0	0	Full	Two Years	Two Months
	366	0	0	Full	Two Years	Two Months
	367	0	0	Full	Two Years	Two Months
	368	0	0	Full	Two Years	Two Months
	369	0	0	Full	Two Years	Two Months
	370	0	0	Full	Two Years	Two Months
	371	0	0	Full	Two Years	Two Months
	372	0	0	Full	Two Years	Two Months
	373	0	0	Full	Two Years	Two Months
	374	0	0	Full	Two Years	Two Months
	375	0	0	Full	Two Years	Two Months
	376	0	0	Full	Two Years	Two Months
	377	0	0	Full	Two Years	Two Months
	378	0	0	Full	Two Years	Two Months
	379	0	0	Full	Two Years	Two Months
	380	0	0	Full	Two Years	Two Months
	381	0	0	Full	Two Years	Two Months
	382	0	0	Full	Two Years	Two Months
	383	0	0	Full	Two Years	Two Months
	384	0	0	Full	Two Years	Two Months
	385	0	0	Full	Two Years	Two Months
	386	0	0	Full	Two Years	Two Months
	387	0	0	Full	Two Years	Two Months
	388	0	4426.09	Full	Two Years	Two Months
	389	0	0	Full	Two Years	Two Months
	390	0	0	Full	Two Years	Two Months
	391	0	0	Full	Two Years	Two Months
	392	0	0	Full	Two Years	Two Months
	393	0	0	Full	Two Years	Two Months
	394	0	0	Full	Two Years	Two Months
	395	0	0	Full	Two Years	Two Months
	396	0	0	Full	Two Years	Two Months
	397	0	0	Full	Two Years	Two Months
	398	0	0	Full	Two Years	Two Months
	399	2555.5	0	Full	Two Years	Two Months
	400	0	0	Full	Two Years	Two Months
	401	0	0	Full	Two Years	Two Months
	402	0	0	Full	Two Years	Two Months
	403	0	0	Full	Two Years	Two Months
	404	0	0	Full	Two Years	Two Months
	405	0	0	Full	Two Years	Two Months
	406	0	0	Full	Two Years	Two Months
	407	0	0	Full	Two Years	Two Months
	408	0	0	Full	Two Years	Two Months
	409	0	0	Full	Two Years	Two Months
	410	0	0	Full	Two Years	Two Months
	411	0	0	Full	Two Years	Two Months
	412	0	0	Full	Two Years	Two Months
	413	0	0	Full	Two Years	Two Months
	414	0	0	Full	Two Years	Two Months
	415	0	0	Full	Two Years	Two Months
	416	0	0	Full	Two Years	Two Months
	417	0	0	Full	Two Years	Two Months
	418	0	0	Full	Two Years	Two Months
	419	0	0	Full	Two Years	Two Months
	420	0	0	Full	Two Years	Two Months
	421	0	0	Full	Two Years	Two Months
	422	0	0	Full	Two Years	Two Months
	423	0	0	Full	Two Years	Two Months
	424	0	0	Full	Two Years	Two Months
	425	0	0	Full	Two Years	Two Months
	426	0	0	Full	Two Years	Two Months
	427	0	0	Full	Two Years	Two Months
	428	0	0	Full	Two Years	Two Months
	429	1458.33	0	Full	Two Years	Two Months
	430	0	0	Full	Two Years	Two Months
	431	0	0	Full	Two Years	Two Months
	432	0	0	Full	Two Years	Two Months
	433	0	0	Full	Two Years	One Month
	434	0	0	Full	Two Years	Two Months
	435	0	0	Full	Two Years	Two Months
	436	0	0	Full	Two Years	Two Months
	437	0	0	Full	Two Years	Two Months
	438	0	0	Full	Two Years	Two Months
	439	0	0	Full	Two Years	Two Months
	440	0	0	Full	Two Years	Two Months
	441	0	0	Full	Two Years	Two Months
	442	0	0	Full	Two Years	Two Months
	443	0	0	Full	Two Years	Two Months
	444	0	0	Full	Two Years	Two Months
	445	0	0	Full	Two Years	Two Months
	446	0	0	Full	Two Years	Two Months
	447	0	0	Full	Two Years	Two Months
	448	0	0	Full	Two Years	Two Months
	449	0	0	Full	Two Years	Two Months
	450	0	0	Full	Two Years	Two Months
	451	0	0	Full	Two Years	Two Months
	452	0	0	Full	Two Years	Two Months
	453	0	0	Full	Two Years	Two Months
	454	0	0	Full	Two Years	Two Months
	455	0	0	Full	Two Years	Two Months
	456	0	0	Full	Two Years	Two Months
	457	0	0	Full	Two Years	Two Months
	458	0	0	Full	Two Years	Two Months
	459	0	0	Full	Two Years	Two Months
	460	0	0	Full	Two Years	Two Months
	461	0	0	Full	Two Years	Two Months
	462	0	0	Full	Two Years	Two Months
	463	0	0	Full	Two Years	Two Months
	464	0	0	Full	Two Years	Two Months
	465	0	0	Full	Two Years	Two Months
	466	0	0	Full	Two Years	Two Months
	467	0	0	Full	Two Years	Two Months
	468	0	0	Full	Two Years	Two Months
	469	0	0	Full	Two Years	Two Months
	470	0	0	Full	Two Years	Two Months
	471	0	0	Full	Two Years	Two Months
	472	0	0	Full	Two Years	Two Months
	473	0	0	Full	Two Years	Two Months
	474	0	0	Full	Two Years	Two Months
	475	0	0	Full	Two Years	Two Months
	476	0	0	Full	Two Years	Two Months
	477	0	0	Full	Two Years	Two Months
	478	0	0	Full	Two Years	Two Months
	479	0	0	Full	Two Years	Two Months
	480	0	0	Full	Two Years	Two Months
	481	0	0	Full	Two Years	Two Months
	482	0	0	Full	Two Years	Two Months
	483	0	0	Full	Two Years	Two Months
	484	0	0	Full	Two Years	Two Months
	485	0	0	Full	Two Years	Two Months
	486	0	0	Full	Two Years	Two Months
	487	0	0	Full	Two Years	Two Months
	488	0	0	Full	Two Years	Two Months
	489	0	0	Full	Two Years	Two Months
	490	0	0	Full	Two Years	Two Months
	491	0	0	Full	Two Years	Two Months
	492	0	0	Full	Two Years	Two Months
	493	0	0	Full	Two Years	Two Months
	494	0	0	Full	Two Years	Two Months
	495	0	0	Full	Two Years	Two Months
	496	0	0	Full	Two Years	Two Months
	497	0	0	Full	Two Years	Two Months
	498	0	0	Full	Two Years	Two Months
	499	0	0	Full	Two Years	Two Months
	500	0	0	Full	Two Years	Two Months
	501	0	0	Full	Two Years	Two Months
	502	0	0	Full	Two Years	Two Months
	503	0	0	Full	Two Years	Two Months
	504	0	0	Full	Two Years	Two Months
	505	0	0	Full	Two Years	Two Months
	506	0	0	Full	Two Years	Two Months
	507	0	0	Full	Two Years	Two Months
	508	0	0	Full	Two Years	Two Months
	509	0	0	Full	Two Years	Two Months
	510	0	0	Full	Two Years	Two Months
	511	0	0	Full	Two Years	Two Months

 

    	 

    	 

    

 

	MERSID	Organization
	1000200	PHH
	1000383	RRAC/Cenlar
	1000536	Prime
    Lending
	1000634	EverBank
	1001105	Fremont
    Bank
	1002338	First
    Republic
	1008498	Flagstar
    Bank, F.S.B.
	1009229	Independent
    Bankcorp
	9999999	Other

 

    	 

    	 

    

 

 

ASF RMBS DISCLOSURE PACKAGE

 

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

 

	
Field

Number

	
Field Name

	
Field Description

	
Type of

Field

	
Data Type

	
Sample Data

	
Format

	
When

Applicable?

	
Valid Values

	
Proposed

Unique

Coding

	
Notes

	
1

	
Primary Servicer

	
The MERS Organization ID of the company that has or will have the right to service the loan.

	
General Information

	
Numeric – Integer

	
2351805

	
9(7)

	
Always

	
”9999999” if Unknown

	  	  
	
2

	
Servicing Fee—Percentage

	
Aggregate monthly fee paid to all servicers, stated in decimal form.

	
General Information

	
Numeric - Decimal

	
0.0025

	
9.999999

	
Loans without flat-dollar servicing fees

	
>= 0 and < 1

	  	
Must be populated if Field 3 is Null

	
3

	
Servicing Fee—Flat-dollar

	
Aggregate monthly fee paid to all servicers, stated as a dollar amount.

	
General Information

	
Numeric – Decimal

	
7.5

	
9(3).99

	
Loans with flat-dollar servicing fees

	
>= 0 and

<= 999

	  	
Must be populated if 2 is Null

	
4

	
Servicing Advance Methodology

	
The manner in which principal and/or interest are to be advanced by the servicer.

	
General Information

	
Numeric – Integer

	
2

	
99

	
Always

	
See Coding

	
1 = Scheduled Interest, Scheduled Principal

2 = Actual Interest, Actual Principal

3 = Scheduled Interest, Actual Principal

99 = Unknown

	  
	
5

	
Originator

	
The MERS Organization ID of the entity that lends funds to the borrower and, in return, places a lien on the mortgage property as collateral.

	
General Information

	
Numeric – Integer

	
5938671

	
9(7)

	
Always

	
”9999999” if Unknown

	  	  
	
6

	
Loan Group

	
Indicates the collateral group number in which the loan falls (for structures with multiple collateral groups). Use “1” if there is only one loan group.

	
General Information

	
Text

	
1A

	
XXXX

	
Always

	
“UNK” if Unknown

	  	  
	
7

	
Loan Number

	
Unique National Mortgage Loan ID Number (Vendor TBD).

	
General Information

	
Numeric – Integer

	
TBD

	
TBD

	
Always

	
TBD

	  	
Details to be provided by Vendor

	
8

	
Amortization Type

	
Indicates whether the loan’s interest rate is fixed or adjustable (Hybrid ARMs are adjustable).

	
Loan Type

	
Numeric – Integer

	
2

	
99

	
Always

	
See Coding

	
1 = Fixed

2 = Adjustable

99 = Unknown

	  
	
9

	
Lien Position

	
A number indicating the loan’s lien position (1 = first lien, etc.).

	
Loan Type

	
Numeric – Integer

	
1

	
99

	
Always

	
>0

	
99 = Unknown

	  
	
10

	
HELOC Indicator

	
Indicates whether the loan is a home equity line of credit.

	
Loan Type

	
Numeric – Integer

	
1

	
99

	
Always

	
See Coding

	
0 = No

1 = Yes

99 = Unknown

	  
	
11

	
Loan Purpose

	
Indicates the purpose of the loan.

	
Loan Type

	
Numeric – Integer

	
9

	
99

	
Always

	
See Coding

	
See Appendix A

	  
	
12

	
Cash Out Amount

	
For “Cash-out” loans (see Glossary):

 

[NEW LOAN AMOUNT] – [PAID-OFF FIRST MORTGAGE LOAN AMOUNT] – [PAID-OFF SECOND MORTGAGE LOAN AMOUNT (if Second was used to purchase the property)] – [CLOSING COSTS].

	
Loan Type

	
Numeric – Decimal

	
72476.5

	
9(10).99

	
Always

	
>= 0

	  	  
	
13

	
Total Origination and Discount Points (in dollars)

	
Amount paid to the lender to increase the lender’s effective yield and, in the case of discount points, to reduce the interest rate paid by the borrower.

	
Loan Type

	
Numeric – Decimal

	
5250

	
9(10).99

	
Always

	
>= 0

	  	
Typically Lines 801 and 802 of HUD Settlement Statement

	
14

	
Covered/High Cost Loan Indicator

	
Indicates whether the loan is categorized as “high cost” or “covered” according to state or federal statutes or regulations.

	
Loan Type

	
Numeric – Integer

	
1

	
99

	
Always

	
See Coding

	
0 = No

1 = Yes

99 = Unknown

	  
	
15

	
Relocation Loan Indicator

	
Indicates whether the loan is part of a corporate relocation program.

	
Loan Type

	
Numeric – Integer

	
1

	
99

	
Always

	
See Coding

	
0 = No

1 = Yes

99 = Unknown

	  
	
16

	
Broker Indicator

	
Indicates whether a broker took the application.

	
Loan Type

	
Numeric – Integer

	
1

	
99

	
Always

	
See Coding

	
0 = No

1 = Yes

99 = Unknown

	  
	
17

	
Channel

	
Code indicating the source (channel) from which the Issuer obtained the mortgage loan.

	
Loan Type

	
Numeric – Integer

	
2

	
99

	
Always

	
See Coding

	
1 = Retail

2 = Broker

3 = Correspondent Bulk

4 = Correspondent Flow with delegated underwriting

5 = Correspondent Flow without delegated underwriting

99 = Unknown

	  
	
18

	
Escrow Indicator

	
Indicates whether various homeownership expenses are paid by the borrower directly or through an escrow account (as of securitization cut-off date).

	
Loan Type

	
Numeric – Integer

	
3

	
99

	
Always

	
See Coding

	
0 = No Escrows

1 = Taxes

2 = Insurance

3 = HOA dues

4 = Taxes and Insurance

5 = All

99 =Unknown

	  
	
19

	
Senior Loan Amount(s)

	
For non-first mortgages, the sum of the balances of all associated senior mortgages at the time of origination of the subordinate lien.

	
Mortgage Lien Info

	
Numeric – Decimal

	
611004.25

	
9(10).99

	
If Lien Position > 1

	
>= 0

	  	  
	
20

	
Loan Type of Most Senior Lien

	
For non-first mortgages, indicates whether the associated first mortgage is a Fixed, ARM, Hybrid, or negative amortization loan.

	
Mortgage Lien Info

	
Numeric – Integer

	
2

	
99

	
If Lien Position > 1

	
See Coding

	
1 = Fixed Rate

2 = ARM

3 = Hybrid

4 = Neg Am

99 = Unknown

	  
	
21

	
Hybrid Period of Most Senior Lien (in months)

	
For non-first mortgages where the associated first mortgage is a hybrid ARM, the number of months remaining in the initial fixed interest rate period for the hybrid first mortgage.

	
Mortgage Lien Info

	
Numeric – Integer

	
23

	
999

	
If Lien Position > 1

AND the most senior lien is a hybrid ARM (see Field 20)

	
>= 0

	  	  
	
22

	
Neg Am Limit of Most Senior Lien

	
For non-first mortgages where the associated first mortgage features negative amortization, the maximum percentage by which the negatively amortizing balance may increase (expressed as a proportion of the senior lien’s original balance).

	
Mortgage Lien Info

	
Numeric – Decimal

	
1.25

	
9.999999

	
If Lien Position > 1

AND the senior lien is Neg Am (see Field 20)

	
>= 1 and <= 2

	  	  
	
23

	
Junior Mortgage Balance

	
For first mortgages with subordinate liens at the time of origination, the combined balance of the subordinate liens (if known).

	
Mortgage Lien Info

	
Numeric – Decimal

	
51775.12

	
9(10).99

	
If Lien Position = 1 and there is a 2nd lien on the subject property

	
>= 0

	  	
Subject to Regulatory Confirmation

	
24

	
Origination Date of Most Senior Lien

	
For non-first mortgages, the origination date of the associated first mortgage.

	
Mortgage Lien Info

	
Date

	
20090914

	
YYYYMMDD

	
If Lien Position > 1 and there is a 2nd lien on the subject property

	
“19010101” if unknown

	  	  
	
25

	
Origination Date

	
The date of the Mortgage Note and Mortgage/Deed of Trust

	
Loan Term and Amortization Type

	
Date

	
20090914

	
YYYYMMDD

	
Always

	
“19010101” if unknown

	  	  
	
26

	
Original Loan Amount

	
The dollar amount of the mortgage loan, as specified on the mortgage note at the time of the loan’s origination. For HELOCs, the maximum available line of credit.

	
Loan Term and Amortization Type

	
Numeric – Decimal

	
150000

	
9(10).99

	
Always

	
>0

	  	  
	
27

	
Original Interest Rate

	
The original note rate as indicated on the mortgage note.

	
Loan Term and Amortization Type

	
Numeric – Decimal

	
0.0475

	
9.999999

	
Always

	
> 0 and <= 1

	  	  
	
28

	
Original Amortization Term

	
The number of months in which the loan would be retired if the amortizing principal and interest payment were to be paid each month.

	
Loan Term and Amortization Type

	
Numeric – Integer

	
360

	
999

	
Always

	
>= 60

	  	  
	
29

	
Original Term to Maturity

	
The initial number of months between loan origination and the loan maturity date, as specified on the mortgage note.

	
Loan Term and Amortization Type

	
Numeric – Integer

	
60

	
999

	
Always

	
>0

	
N/A

	  
	
30

	
First Payment Date of Loan

	
The date of the first scheduled mortgage payment to be made by the borrower as specified on the mortgage note.

	
Loan Term and Amortization Type

	
Date

	
20090914

	
YYYYMMDD

	
Always

	
“19010101” if unknown

	
N/A

	  
	
31

	
Interest Type Indicator

	
Indicates whether the interest rate calculation method is simple or actuarial.

	
Loan Term and Amortization Type

	
Numeric – Integer

	
2

	
99

	
Always

	
See Coding

	
1= Simple

2 = Actuarial

99 = Unknown

	  
	
32

	
Original Interest Only Term

	
Original interest-only term for a loan in months (including NegAm Loans).

	
Loan Term and Amortization Type

	
Numeric – Integer

	
60

	
999

	
Always

	
>= 0 and <= 240

Unknown = Blank;

No Interest Only Term = 0

	  	  
	
33

	
Buy Down Period

	
The total number of months during which any buy down is in effect, representing the accumulation of all buy down periods.

	
Loan Term and Amortization Type

	
Numeric – Integer

	
65

	
999

	
Always

	
>= 0 and <= 100

Unknown = Blank;

No Buy Down = 0

	  	  
	
34

	
HELOC Draw Period

	
The original number of months during which the borrower may draw funds against the HELOC account.

	
Loan Term and Amortization Type

	
Numeric – Integer

	
24

	
999

	
HELOCs Only

	
>= 12 and <= 120

	  	  
	
35

	
Scheduled Loan Amount

	
Mortgage loan scheduled principal balance as of cut-off date. For HELOCs, the current drawn amount.

	
Loan Term and Amortization Type

	
Numeric – Decimal

	
248951.19

	
9(10).99

	
Always

	
>= 0

	  	  
	
36

	
Current Interest Rate

	
The interest rate used to calculate the current P&I or I/O payment.

	
Loan Term and Amortization Type

	
Numeric – Decimal

	
0.05875

	
9.999999

	
Always

	
> 0 and <= 1

	  	  
	
37

	
Current Payment Amount Due

	
Next Total Payment due to be collected (including principal, interest or both—but Exclude Escrow Amounts).

	
Loan Term and Amortization Type

	
Numeric – Decimal

	
1250.15

	
9(10).99

	
Always

	
> 0

	  	  
	
38

	
Scheduled Interest Paid

Through Date

	  	
Loan Term and Amortization Type

	
Date

	
20090429

	
YYYYMMDD

	
Always

	
“19010101” if unknown

	  	  
	
39

	
Current Payment Status

	
Number of payments the borrower is past due as of the securitization cut-off date.

	
Loan Term and Amortization Type

	
Numeric – Integer

	
3

	
99

	
Always

	
>= 0

	  	  
	
40

	
Index Type

	
Specifies the type of index to be used to determine the interest rate at each adjustment.

	
Adjustable Rate Mortgages (ARMs)

	
Numeric – Integer

	
18

	
99

	
ARMs Only

	
See Coding

	
See Appendix B

	  
	
41

	
ARM Look-back Days

	
The number of days prior to the interest rate adjustment date to retrieve the index value.

	
Adjustable Rate Mortgages (ARMs)

	
Numeric – Integer

	
45

	
99

	
ARMs Only

	
>= 0 to <=99

	  	  
	
42

	
Gross Margin

	
The percentage stated on the mortgage note representing the spread between the ARM Index value and the mortgage interest rate. The gross mortgage margin is added to the index value to establish a new gross interest rate in the manner prescribed on the mortgage note.

	
Adjustable Rate Mortgages (ARMs)

	
Numeric – Decimal

	
0.03

	
9.999999

	
ARMs Only

	
>0 and <= 1

	  	  
	
43

	
ARM Round Flag

	
An indicator of whether an adjusted interest rate is rounded to the next higher ARM round factor, to the next lower round factor, or to the nearest round factor.

	
Adjustable Rate Mortgages (ARMs)

	
Numeric – Integer

	
3

	
9

	
ARMs Only

	
See Coding

	
0 = No Rounding

1 = Up

2 = Down

3 = Nearest

99=Unknown

	  
	
44

	
ARM Round Factor

	
The percentage to which an adjusted interest rate is to be rounded.

	
Adjustable Rate Mortgages (ARMs)

	
Numeric – Decimal

	
0.0025 or 0.00125

	
9.999999

	
ARMs Only

Where ARM Round Flag = 1, 2, or 3

	
>= 0 and < 1

	  	  
	
45

	
Initial Fixed Rate Period

	
For hybrid ARMs, the period between the first payment date of the mortgage and the first interest rate adjustment date.

	
Adjustable Rate Mortgages (ARMs)

	
Numeric – Integer

	
60

	
999

	
Hybrid ARMs Only

	
>= 1 to <=240

	  	  
	
46

	
Initial Interest Rate Cap (Change Up)

	
The maximum percentage by which the mortgage note rate may increase at the first interest rate adjustment date.

	
Adjustable Rate Mortgages (ARMs)

	
Numeric – Decimal

	
0.02

	
9.999999

	
ARMs Only

	
>= 0 and <= 1

	
99=no cap

	  
	
47

	
Initial Interest Rate  Cap (Change Down)

	
The maximum percentage by which the mortgage note rate may decrease at the first interest rate adjustment date.

	
Adjustable Rate Mortgages (ARMs)

	
Numeric – Decimal

	
0.02

	
9.999999

	
ARMs Only

	
>= 0 and <= 1

	
99=no cap

	  
	
48

	
Subsequent Interest Rate Reset Period

	
The number of months between subsequent rate adjustments.

	
Adjustable Rate Mortgages (ARMs)

	
Numeric – Integer

	
60

	
999

	
ARMs Only

	
>=0 and <= 120

	  	
0 = Loan does not adjust after initial reset

	
49

	
Subsequent Interest Rate (Change Down)

	
The maximum percentage by which the interest rate may decrease at each rate adjustment date after the initial adjustment.

	
Adjustable Rate Mortgages (ARMs)

	
Numeric – Decimal

	
0.02

	
9.999999

	
ARMs Only

	
>= 0 and <= 1

	
99=no cap

	  
	
50

	
Subsequent Interest Rate Cap (Change Up)

	
The maximum percentage by which the interest rate may increase at each rate adjustment date after the initial adjustment.

	
Adjustable Rate Mortgages (ARMs)

	
Numeric – Decimal

	
0.02

	
9.999999

	
ARMs Only

	
>= 0 and <= 1

	
99=no cap

	  
	
51

	
Lifetime Maximum Rate (Ceiling)

	
The maximum interest rate that can be in effect during the life of the loan.

	
Adjustable Rate Mortgages (ARMs)

	
Numeric – Decimal

	
0.125

	
9.999999

	
ARMs Only

	
>= 0 and <= 1

	  	
=1 if no ceiling specified

	 
	 
	
52

	
Lifetime Minimum Rate (Floor)

	
The minimum interest rate that can be in effect during the life of the loan.

	
Adjustable Rate Mortgages (ARMs)

	
Numeric – Decimal

	
0.015

	
9.999999

	
ARMs Only

	
>= 0 and <= 1

	  	
If no floor is specified enter the greater of the margin or 0.

	
53

	
Negative Amortization Limit

	
The maximum amount of negative amortization allowed before recast is required. (Expressed as a percentage of the original unpaid principal balance.)

	
Negative Amortization

	
Numeric – Decimal

	
1.25

	
9.999999

	
Negatively Amortizing ARMs Only

	
>=0, and <2

	  	  
	
54

	
Initial Negative Amortization Recast Period

	
The number of months in which the payment is required to recast if the loan does not reach the prescribed maximum balance earlier.

	
Negative Amortization

	
Numeric – Integer

	
60

	
999

	
Negatively Amortizing ARMs Only

	
>=0

	  	  
	
55

	
Subsequent Negative Amortization Recast Period

	
The number of months after which the payment is required to recast AFTER the first recast period.

	
Negative Amortization

	
Numeric – Integer

	
48

	
999

	
Negatively Amortizing ARMs Only

	
>=0

	  	  
	
56

	
Initial Fixed Payment Period

	
Number of months after origination during which the payment is fixed.

	
Negative Amortization

	
Numeric – Integer

	
60

	
999

	
Negatively Amortizing Hybrid ARMs Only

	
>= 0 to <=120

	  	  
	
57

	
Subsequent Payment Reset Period

	
Number of months between payment adjustments after first payment reset.

	
Negative Amortization

	
Numeric – Integer

	
12

	
999

	
Negatively Amortizing ARMs Only

	
>= 0 to <=120

	  	  
	
58

	
Initial Periodic Payment Cap

	
The maximum percentage by which a payment can change (increase or decrease) in the first period.

	
Negative Amortization

	
Numeric – Decimal

	
0.075

	
9.999999

	
Negatively Amortizing ARMs Only

	
>= 0 and < 1

	  	  
	
59

	
Subsequent Periodic Payment Cap

	
The maximum percentage by which a payment can change (increase or decrease) in one period after the initial cap.

	
Negative Amortization

	
Numeric – Decimal

	
0.075

	
9.999999

	
Negatively Amortizing ARMs Only

	
>= 0 and < 1

	  	  
	
60

	
Initial Minimum Payment Reset Period

	
The maximum number of months a borrower can initially pay the minimum payment before a new minimum payment is determined.

	
Negative Amortization

	
Numeric – Integer

	
12

	
999

	
Negatively Amortizing ARMs Only

	
>= 0 to <=120

	  	  
	
61

	
Subsequent Minimum Payment Reset Period

	
The maximum number of months (after the initial period) a borrower can pay the minimum payment before a new minimum payment is determined after the initial period.

	
Negative Amortization

	
Numeric – Integer

	
12

	
999

	
Negatively Amortizing ARMs Only

	
>= 0 to <=120

	  	  
	
62

	
Option ARM Indicator

	
An indicator of whether the loan is an Option ARM.

	
Negative Amortization

	
Numeric – Integer

	
1

	
99

	
ARMs Only

	
See Coding

	
0 = No

1 = Yes

99 = Unknown

	  
	
63

	
Options at Recast

	
The means of computing the lowest monthly payment available to the borrower after recast.

	
Option ARM

	
Numeric – Integer

	
2

	
99

	
Option ARMs Only

	
N/A

	
1= Fully amortizing 30 year

2= Fully amortizing 15 year

3=Fully amortizing 40 year

4 = Interest-Only

5 = Minimum Payment

99= Unknown

	  
	
64

	
Initial Minimum Payment

	
The initial minimum payment the borrower is permitted to make.

	
Option ARM

	
Numeric – Decimal

	
879.52

	
99

	
Option ARMs Only

	
>=0

	  	  
	
65

	
Current Minimum Payment

	
Current Minimum Payment (in dollars).

	
Negative Amortization

	
Numeric – Decimal

	
250

	
9(10).99

	
Option ARMs Only

	
>= 0

	  	  
	
66

	
Prepayment Penalty Calculation

	
A description of how the prepayment penalty would be calculated during each phase of the prepayment penalty term.

	
Prepayment Penalties

	
Numeric – Integer

	
12

	
99

	
Always

	
See Coding

	
See Appendix C

	  
	
67

	
Prepayment Penalty Type

	
• Hard: The prepayment penalty is incurred regardless of the reason the loan is prepaid in full.

• Hybrid: The prepayment penalty can be characterized as hard for a certain amount of time and as soft during another period.

 

	
Prepayment Penalties

	
Numeric – Integer

	
1

	
99

	
All loans with Prepayment Penalties (i.e., loans for which Field 66 = something other than “0”)

	
See Coding

	
1 = Hard

2 = Soft

3 = Hybrid

99 = Unknown

	  
	
68

	
Prepayment Penalty Total Term

	
The total number of months that the prepayment penalty may be in effect.

	
Prepayment Penalties

	
Numeric – Integer

	
60

	
999

	
All loans with Prepayment Penalties (i.e., loans for which Field 66 = something other than “0”)

	
>0 to <=120

	  	  
	
69

	
Prepayment Penalty Hard Term

	
For hybrid prepayment penalties, the number of months during which a “hard” prepayment penalty applies.

	
Prepayment Penalties

	
Numeric – Integer

	
12

	
999

	
Loans with Hybrid Prepayment Penalties (i.e., loans for which Field 67 = “3”)

	
>= 0 to <=120

	  	  
	
70

	
Primary Borrower ID

	
A lender-generated ID number for the primary borrower on the mortgage

	
Borrower

	
Numeric—Integer

	
123456789

	
999999999

	
Always

	
>0

	  	
Used to identify the number of times a single borrower appears in a given deal.

	
71

	
Number of Mortgaged Properties

	
The number of residential properties owned by the borrower that currently secure mortgage loans.

	
Borrower

	
Numeric – Integer

	
1

	
99

	
Always

	
> 0

	  	  
	
72

	
Total Number of Borrowers

	
The number of Borrowers who are obligated to repay the mortgage note.

	
Borrower

	
Numeric – Integers

	
2

	
99

	
Always

	
> 0

	  	  
	
73

	
Self-employment Flag

	
An indicator of whether the primary borrower is self-employed.

	
Borrower

	
Numeric – Integer

	
1

	
99

	
Always

	
See Coding

	
0 = No

1 = Yes

99 = Unknown

	  
	
74

	
Current ‘Other’ Monthly Payment

	
The aggregate of all payments pertaining to the subject property other than principal and interest (includes common charges, condo fees, T&I, HOA, etc.), whether escrowed or not.

	
Loan Term and Amortization Type

	
Numeric – Decimal

	
1789.25

	
9(10).99

	
Always

	
> 0

	  	  
	
75

	
Length of Employment: Borrower

	
The number of years of service with the borrower’s current employer as of the date of the loan.

	
Borrower Qualification

	
Numeric – Decimal

	
3.5

	
99.99

	
Always

	
>=0

	
99 = Retired, None employment income soure (social security, trust income, dividends, etc.)

	  
	
76

	
Length of Employment: Co-Borrower

	
The number of years of service with the co-borrower’s current employer as of the date of the loan.

	
Borrower Qualification

	
Numeric – Decimal

	
3.5

	
99.99

	
If “Total Number of Borrowers” > 1

	
>= 0

	
99 = Retired, None employment income soure (social security, trust income, dividends, etc.)

	  
	
77

	
Years in Home

	
Length of time that the borrower has been at current address.

	
Borrower Qualification

	
Numeric – Decimal

	
14.5

	
99.99

	
Refinances of Primary Residences Only (Loan Purpose = 1, 2, 3, 4, 8 or 9)

	
> 0

	  	  
	
78

	
FICO Model Used

	
Indicates whether the FICO score was calculated using the Classic, Classic 08, or Next Generation model.

	
Borrower Qualification

	
Numeric – Integer

	
1

	
99

	
If a FICO score was obtained

	
See Coding

	
1 = Classic

2 = Classic 08

3 = Next Generation

99 = Unknown

	  
	
79

	
Most Recent FICO Date

	
Specifies the date on which the most recent FICO score was obtained

	
Borrower Qualification

	
Date

	
20090914

	
YYYYMMDD

	
If a FICO score was obtained

	
“19010101” if unknown

	  	
Issuers unable to Provide may Rep and Warrant that the FICO score used for underwriting was not more than 4 months old at the date of issuance.

	
80

	
Primary Wage Earner Original FICO:  Equifax

	
Equifax FICO score for primary borrower (if applicable).

	
Borrower Qualification

	
Numeric – Integer

	
720

	
9999

	
If a FICO score was obtained

	
>= 350 and <= 850

	  	  
	
81

	
Primary Wage Earner Original FICO:  Experian

	
Experian FICO score for primary borrower (if applicable).

	
Borrower Qualification

	
Numeric – Integer

	
720

	
9999

	
If a FICO score was obtained

	
>= 350 and <= 850

	  	  
	
82

	
Primary Wage Earner Original FICO:  TransUnion

	
TransUnion FICO score for primary borrower (if applicable).

	
Borrower Qualification

	
Numeric – Integer

	
720

	
9999

	
If a FICO score was obtained

	
>= 350 and <= 850

	  	  
	
83

	
Secondary Wage Earner Original FICO:  Equifax

	
Equifax FICO score for Co-borrower (if applicable).

	
Borrower Qualification

	
Numeric – Integer

	
720

	
9999

	
If “Total Number of Borrowers” > 1

	
>= 350 and <= 850

	  	  
	
84

	
Secondary Wage Earner Original FICO:  Experian

	
Experian FICO score for Co-borrower (if applicable).

	
Borrower Qualification

	
Numeric – Integer

	
720

	
9999

	
If “Total Number of Borrowers” > 1

	
>= 350 and <= 850

	  	  
	
85

	
Secondary Wage Earner Original FICO: TransUnion

	
TransUnion FICO score for Co-borrower (if applicable).

	
Borrower Qualification

	
Numeric – Integer

	
720

	
9999

	
If “Total Number of Borrowers” > 1

	
>= 350 and <= 850

	  	  
	
86

	
Most Recent Primary Borrower FICO

	
Most Recent Primary Borrower FICO score used by the lender to approve the loan.

	
Borrower Qualification

	
Numeric – Integer

	
720

	
9999

	
If a FICO score was obtained

	
>= 350 and <= 850

	  	  
	
87

	
Most Recent Co-Borrower FICO

	
Most Recent Co-Borrower FICO score used by the lender to approve the loan.

	
Borrower Qualification

	
Numeric – Integer

	
720

	
9999

	
If “Total Number of Borrowers” > 1

	
>= 350 and <= 850

	  	  
	
88

	
Most Recent FICO Method

	
Number of credit repositories used to update the FICO Score.

	
Borrower Qualification

	
Numeric – Integer

	
2

	
9

	
If a FICO score was obtained

	
>0

	  	  
	
89

	
VantageScore: Primary Borrower

	
Credit Score for the Primary Borrower used to approve the loan and obtained using the Vantage credit evaluation model.

	
Borrower Qualification

	
Numeric – Integer

	
720

	
9999

	
If a Vantage Credit Score was obtained

	
>= 501 and <= 990

	  	  
	
90

	
VantageScore: Co-Borrower

	
Credit Score for the Co-borrower used to approve the loan and obtained using the Vantage credit evaluation model.

	
Borrower Qualification

	
Numeric – Integer

	
720

	
9999

	
If a VantageScore was obtained AND “Total Number of Borrowers” > 1

	
>= 501 and <= 990

	  	  
	
91

	
Most Recent VantageScore Method

	
Number of credit repositories used to update the Vantage Score.

	
Borrower Qualification

	
Numeric – Integer

	
2

	
9

	
If a Vantage Credit Score was obtained

	
>0

	  	  
	
92

	
VantageScore Date

	
Date Vantage Credit Score was obtained.

	
Borrower Qualification

	
Date

	
20090914

	
YYYYMMDD

	
If a Vantage Credit Score was obtained

	
“19010101” if unknown

	  	  
	
93

	
Credit Report: Longest Trade Line

	
The length of time in months that the oldest active trade line, installment or revolving, has been outstanding. For a loan with more than one borrower, populate field based on status for the primary borrower.

	
Borrower Qualification

	
Numeric – Integer

	
999

	
999

	
Always

	
> =0

	  	
Subject to Regulatory Confirmation

	
94

	
Credit Report: Maximum Trade Line

	
The dollar amount for the trade line, installment or revolving, with the largest unpaid balance. For revolving lines of credit, e.g. credit card, the dollar amount reported should reflect the maximum amount of credit available under the credit line whether used or not. For a loan with more than one borrower, populate field based on status for the primary borrower.

	
Borrower Qualification

	
Numeric – Decimal

	
339420.19

	
9(10).99

	
Always

	
>=0

	  	
Subject to Regulatory Confirmation

	
95

	
Credit Report: Number of Trade Lines

	
A count of non-derogatory, currently open and active, consumer trade lines (installment or revolving) for the borrower. For a loan with more than one borrower, populate field based on status for the primary borrower.

	
Borrower Qualification

	
Numeric – Integer

	
57

	
999

	
Always

	
>=0

	  	
Subject to Regulatory Confirmation

	
96

	
Credit Line Usage Ratio

	
Sum of credit balances divided by sum of total open credit available.

	
Borrower Qualification

	
Numeric – Decimal

	
0.27

	
9.999999

	
Always

	
>= 0 and <= 1

	  	
Subject to Regulatory Confirmation

	
97

	
Most Recent 12-month Pay History

	
String indicating the payment status per month listed from oldest to most recent.

	
Borrower Qualification

	
Text

	
77X123200001

	
X(12)

	
Always

	
See Coding

	
0 = Current

1 = 30-59 days delinquent

2 = 60-89 days delinquent

3 = 90-119 days delinquent

4 = 120+ days delinquent

5 = Foreclosure

6 = REO

7 = Loan did not exist in period

X = Unavailable

	  
	
98

	
Months Bankruptcy

	
Number of months since any borrower was discharged from bankruptcy. (Issuers unable to provide this information may rep and warrant that at least x years—as specified in the loan program—have passed since most recent discharge from bankruptcy.)

	
Borrower Qualification

	
Numeric – Integer

	
12

	
999

	
If Borrower has ever been in Bankruptcy

	
>= 0

	  	
Blank = Borrower is not known to have been in bankruptcy

	
99

	
Months Foreclosure

	
Number of months since foreclosure sale date. (Issuers unable to provide this information may rep and warrant that at least x years—as specified in the loan program— have passed since most recent foreclosure.)

	
Borrower Qualification

	
Numeric – Integer

	
12

	
999

	
If Borrower has ever been in Foreclosure

	
>= 0

	  	
Blank = Borrower is not known to have been in foreclosure

	
100

	
Primary Borrower Wage Income

	
Monthly base wage income for primary borrower.

	
Borrower Qualification

	
Numeric – Decimal

	
9000

	
9(9).99

	
Always

	
>= 0

	  	  
	
101

	
Co-Borrower Wage Income

	
Monthly base wage income for all other borrowers.

	
Borrower Qualification

	
Numeric – Decimal

	
9000

	
9(9).99

	
If “Total Number of Borrowers” > 1

	
>= 0

	  	  
	
102

	
Primary Borrower Other Income

	
Monthly Other (non-wage) income for primary borrower. (This figure should include net rental income and be reduced by any net rental loss.)

	
Borrower Qualification

	
Numeric – Decimal

	
9000

	
9(9).99

	
Always

	
>= 0

	  	  
	
103

	
Co-Borrower Other Income

	
Monthly Other (non-wage) income for all other borrowers. (This figure should include net rental income and be reduced by any net rental loss.)

	
Borrower Qualification

	
Numeric – Decimal

	
9000

	
9(9).99

	
If “Total Number of Borrowers” > 1

	
>= 0

	  	  
	
104

	
All Borrower Wage Income

	
Monthly income of all borrowers derived from base salary only.

	
Borrower Qualification

	
Numeric – Decimal

	
9000

	
9(9).99

	
Always

	
>= 0

	  	  
	
105

	
All Borrower Total Income

	
Monthly income of all borrowers derived from base salary, commission, tips and gratuities, overtime and bonuses, part-time or second-job earnings, alimony, child support, interest and dividend income, notes receivable, trust income, net rental income, retirement income, social security, veterans income, military income, foster care income, and self-employed income.

	
Borrower Qualification

	
Numeric – Decimal

	
9000

	
9(9).99

	
Always

	
>= 0

	  	  
	
106

	
4506-T Indicator

	
A yes/no indicator of whether a Transcript of Tax Return (received pursuant to the filing of IRS Form 4506-T) was obtained and considered.

	
Borrower Qualification

	
Numeric – Integer

	
1

	
99

	
Always

	
See Coding

	
0 = No

1 = Yes

99 = Unknown

	  
	
107

	
Borrower Income Verification Level

	
A code indicating the extent to which the borrower’s income has been verified:

Level 4 Income Verification = [W-2 (Prev. Yr.) OR TAX RETURNS* (Prev. Yr.)] AND PAY STUBS (YTD (at least one month)–if salaried)

Level 5 Income Verification = 24 months income verification (W-2s, pay stubs, bank statements and/or tax returns**)

*For self-employed borrowers:  Level 4 Income Verification:

• 2 Years Tax Returns

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

 

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

• 2 Years tax returns

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

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

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

• Tax returns prepared and executed by a CPA  (regardless of 4506 and tax transcripts)

	
Borrower Qualification

	
Numeric – Integer

	
1

	
9

	
Always

	
See Coding

	
1 = Not Stated, Not Verified

2 = Stated, Not Verified

3 = Stated, “Partially” Verified

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

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

 

	  
	
108

	
Co-Borrower Income Verification

	
A code indicating the extent to which the co-borrower’s income has been verified:

 

Level 4 Income Verification = [W-2 (Prev. Yr.) OR TAX RETURNS* (Prev. Yr.)] AND PAY STUBS (YTD (at least one month)–if salaried)

 

Level 5 Income Verification = 24 months income verification (W-2s, pay stubs, bank statements and/or tax returns**)

*For self-employed borrowers:  Level 4 Income Verification:

• 2 Years Tax Returns

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

 

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

• 2 Years tax returns

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

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

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

• Tax returns prepared and executed by a CPA  (regardless of 4506 and tax transcripts)

	
Borrower Qualification

	
Numeric – Integer

	
2

	
9

	
If “Total Number of Borrowers” > 1

	
See Coding

	
1 = Not Stated, Not Verified

2 = Stated, Not Verified

3 = Stated, “Partially” Verified

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

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

 

	  
	
109

	
Borrower Employment Verification

	
A code indicating the extent to which the primary borrower’s employment has been verified:

 

Level 3 Verified = Direct Independent Verification with a third party of the borrower’s current employment.

	
Borrower Qualification

	
Numeric – Integer

	
2

	
9

	
Always

	
See Coding

	
1 = Not Stated, Not Verified

2 = Stated, Not Verified

3 = Stated, Level 3 Verified (as defined)

	  
	
110

	
Co-Borrower Employment Verification

	
A code indicating the extent to which the co-borrower’s employment has been verified:

 

Level 3 Verified = Direct Independent Verification with a third party of the co-borrower’s current employment.

	
Borrower Qualification

	
Numeric – Integer

	
1

	
9

	
If “Total Number of Borrowers” > 1

	
See Coding

	
1 = Not Stated, Not Verified

2 = Stated, Not Verified

3 = Stated, Level 3 Verified (as defined)

	  
	
111

	
Borrower Asset Verification

	
A code indicating the extent to which the primary borrower’s assets used to qualify the loan have been verified:

 

Level 4 Verified = 2 months of bank statements/balance documentation (written or electronic) for liquid assets (or gift letter).

 

	
Borrower Qualification

	
Numeric – Integer

	
3

	
9

	
Always

	
See Coding

	
1 = Not Stated, Not Verified

2 = Stated, Not Verified

3 = Stated, “Partially” Verified

4 = Stated, Level 4 Verified  (as defined)

	  
	
112

	
Co-Borrower Asset Verification

	
A code indicating the extent to which the co-borrower’s assets used to qualify the loan have been verified:

 

Level 4 = 2 months of bank statements/balance documentation (written or electronic) for liquid assets (or gift letter).

 

	
Borrower Qualification

	
Numeric – Integer

	
2

	
9

	
If “Total Number of Borrowers” > 1

	
See Coding

	
1 = Not Stated, Not Verified

2 = Stated, Not Verified

3 = Stated, “Partially” Verified

4 = Stated, Level 4 Verified  (as defined)

	  
	
113

	
Liquid / Cash Reserves

	
The actual dollar amount of remaining verified liquid assets after settlement. (This should not include cash out amount of subject loan.)

	
Borrower Qualification

	
Numeric – Decimal

	
3242.76

	
9(9).99

	
Always

	
>= 0

	  	  
	
114

	
Monthly Debt All Borrowers

	
The aggregate monthly payment due on other debt (excluding only installment loans with fewer than 10 payments remaining and other real estate loans used to compute net rental income— which is added/subtracted in the income fields).

	
Borrower Qualification

	
Numeric – Decimal

	
3472.43

	
9(9).99

	
Always

	
>= 0

	  	  
	
115

	
Originator DTI

	
Total Debt to income ratio used by the originator to qualify the loan.

	
Borrower Qualification

	
Numeric – Decimal

	
0.35

	
9.999999

	
Always

	
>= 0 and >= 1

	  	  
	
116

	
Fully Indexed Rate

	
The fully indexed interest rate as of securitization cut-off.

	
Borrower Qualification

	
Numeric – Decimal

	
0.0975

	
9.999999

	
ARMs Only

	
>= 0 and >= 1

	  	  
	
117

	
Qualification Method

	
Type of mortgage payment used to qualify the borrower for the loan.

	
Borrower Qualification

	
Numeric – Integer

	
3

	
99

	
Always

	
See Coding

	
1 = Start Rate

2 = First Year Cap Rate

3 = I/O Amount

4 = Fully Indexed

5 = Min Payment

98 = Other

99 = Unknown

	  
	
118

	
Percentage of Down Payment from Borrower Own Funds

	
Include only borrower funds, do not include any gift or borrowed funds. (Issuers may provide the actual percentage for each loan, or the guideline percentage and note departure concentration on the transaction summary.)

	
Borrower Qualification

	
Numeric – Decimal

	
0.5

	
9.999999

	
Purchase Loans Only

	
>= 0 and >= 1

	  	  
	
119

	
City

	
The name of the city.

	
Subject Property

	
Text

	
New York

	
X(45)

	
Always

	
Unk=Unknown

	  	  
	
120

	
State

	
The name of the state as a 2-digit Abbreviation.

	
Subject Property

	
Text

	
NY

	
XX

	
Always

	
See Coding

	
See Appendix H

	  
	
121

	
Postal Code

	
The postal code (zip code in the US) where the subject property is located.

	
Subject Property

	
Text

	
10022

	
X(5)

	
Always

	
Unk=Unknown

	  	  
	
122

	
Property Type

	
Specifies the type of property being used to secure the loan.

	
Subject Property

	
Numeric – Integer

	
11

	
99

	
Always

	
See Coding

	
See Appendix D

	  
	
123

	
Occupancy

	
Specifies the property occupancy status (e.g., owner-occupied, investment property, second home, etc.).

	
Subject Property

	
Numeric – Integer

	
4

	
9

	
Always

	
See Coding

	
See Appendix E

	  
	
124

	
Sales Price

	
The negotiated price of a given property between the buyer and seller.

	
Subject Property

	
Numeric – Decimal

	
450000.23

	
9(10).99

	
Purchase Loans Only

	
> 0

	  	  
	
125

	
Original Appraised Property Value

	
The appraised value of the property used to approve the loan.

	
Subject Property

	
Numeric – Decimal

	
550000.23

	
9(10).99

	
Always

	
> 0

	  	  
	
126

	
Original Property Valuation Type

	
Specifies the method by which the property value (at the time of underwriting) was reported.

	
Subject Property

	
Numeric – Integer

	
8

	
99

	
Always

	
See Coding

	
See Appendix F

	  
	
127

	
Original Property Valuation Date

	
Specifies the date on which the original property value (at the time of underwriting) was reported. (Issuers unable to provide may Rep and Warrant that the appraisal used for underwriting was not more than x days old at time of loan closing.)

	
Subject Property

	
Date

	
20090914

	
YYYYMMDD

	
Always

	
“19010101” if unknown

	  	  
	
128

	
Original Automated Valuation Model (AVM) Model Name

	
The name of the AVM Vendor if an AVM was used to determine the original property valuation.

	
Subject Property

	
Numeric – Integer

	
1

	
99

	
Always

	
See Appendix I

	
See Appendix I

	  
	
129

	
Original AVM Confidence Score

	
The confidence range presented on the AVM report.

	
Subject Property

	
Numeric – Decimal

	
0.74

	
9.999999

	
If AVM Model Name (Field 127) > 0

	
>= 0 to <= 1

	  	  
	
130

	
Most Recent Property Value[1]

	
If a valuation was obtained subsequent to the valuation used to calculate LTV, the most recent property value.

	
Subject Property

	
Numeric – Decimal

	
500000

	
9(10).99

	
If updated value was obtained subsequent to loan approval

	
> 0

	  	  
	
131

	
Most Recent Property Valuation Type

	
If an additional property valuation was obtained after the valuation used for underwriting purposes, the method by which the property value was reported.

	
Subject Property

	
Numeric – Integer

	
6

	
9

	
If updated value was obtained subsequent to loan approval

	
See Coding

	
See Appendix F

	  
	
132

	
Most Recent Property Valuation Date

	
Specifies the date on which the updated property value was reported.

	
Subject Property

	
Date

	
20090914

	
YYYYMMDD

	
If updated value was obtained subsequent to loan approval

	
“19010101” if unknown

	  	  
	
133

	
Most Recent AVM Model Name

	
The name of the AVM Vendor if an AVM was used to determine the updated property valuation.

	
Subject Property

	
Numeric – Integer

	
19

	
99

	
If updated value was obtained subsequent to loan approval

	
See Coding

	
See Appendix I

	  
	
134

	
Most Recent AVM Confidence Score

	
If AVM used to determine the updated property valuation, the confidence range presented on the AVM report.

	
Subject Property

	
Numeric – Decimal

	
0.85

	
9.999999

	
If “Most Recent AVM Model Name” > 0

	
>= 0 to <= 1

	  	  
	
135

	
Original CLTV

	
The ratio obtained by dividing the amount of all known outstanding mortgage liens on a property at origination by the lesser of the appraised value or the sales price.

	
Loan-to-Value (LTV)

	
Numeric – Decimal

	
0.96

	
9.999999

	
Always

	
>= 0 and <= 1.5

	  	  
	
136

	
Original LTV

	
The ratio obtained by dividing the original mortgage loan amount on the note date by the lesser of the mortgaged property’s appraised value on the note date or its purchase price.

	
Loan-to-Value (LTV)

	
Numeric – Decimal

	
0.8

	
9.999999

	
Always

	
>= 0 and <= 1.25

	  	  
	
137

	
Original Pledged Assets

	
The total value of assets pledged as collateral for the loan at the time of origination. Pledged assets may include cash or marketable securities.

	
Loan-to-Value (LTV)

	
Numeric – Decimal

	
75000

	
9(10).99

	
Always

	
>=0

	  	  
	
138

	
Mortgage Insurance Company Name

	
The name of the entity providing mortgage insurance for a loan.

	
Mortgage Insurance

	
Numeric – Integer

	
3

	
99

	
Always

	
See Coding

	
See Appendix G

	  
	
139

	
Mortgage Insurance Percent

	
Mortgage Insurance coverage percentage.

	
Mortgage Insurance

	
Numeric – Decimal

	
0.25

	
9.999999

	
“Mortgage Insurance Company Name” > 0

	
>= 0 to <= 1

	  	  
	
140

	
MI: Lender or Borrower Paid?

	
An indicator of whether mortgage insurance is paid by the borrower or the lender.

	
Mortgage Insurance

	
Numeric – Integer

	
1

	
99

	
“Mortgage Insurance Company Name” > 0

	
See Coding

	
1 = Borrower-Paid

2 = Lender- Paid

99 = Unknown

	  
	
141

	
Pool Insurance Co. Name

	
Name of pool insurance provider.

	
Mortgage Insurance

	
Numeric – Integer

	
8

	
99

	
Always

	
See Coding

	
See Appendix G

	  
	
142

	
Pool Insurance Stop Loss %

	
The aggregate amount that a pool insurer will pay, calculated as a percentage of the pool balance.

	
Mortgage Insurance

	
Numeric – Decimal

	
0.25

	
9.999999

	
Pool MI Company > 0

	
>= 0 to <= 1

	  	  
	
143

	
MI Certificate Number

	
The unique number assigned to each individual loan insured under an MI policy.

	
Mortgage Insurance

	
Text

	
123456789G

	
X(20)

	
MI Company

> 0

	
UNK = Unknown

	  	  
	
144

	
Updated DTI

(Front-end)

	
Updated front-end DTI ratio (total monthly housing expense divided by total monthly income) used to qualify the loan modification.

	
Loan Modifications (Pertains only to loans modified for loss mitigation purposes)

	
Numeric – Decimal

	
0.35

	
9.999999

	
Modified Loans Only

	
>= 0 and >= 1

	  	  
	
145

	
Updated DTI

(Back-end)

	
Updated back-end DTI ratio (total monthly debt expense divided by total monthly income) used to qualify the loan modification.

	
Loan Modifications (Pertains only to loans modified for loss mitigation purposes)

	
Numeric – Decimal

	
0.35

	
9.999999

	
Modified Loans Only

	
>= 0 and >= 1

	  	  
	
146

	
Modification Effective Payment Date

	
Date of first payment due post modification.

	
Loan Modifications (Pertains only to loans modified for loss mitigation purposes)

	
Date

	
20090914

	
YYYYMMDD

	
Modified Loans Only

	
“19010101” if unknown

	  	  
	
147

	
Total Capitalized Amount

	
Amount added to the principal balance of a loan due to the modification.

	
Loan Modifications (Pertains only to loans modified for loss mitigation purposes)

	
Numeric – Decimal

	
12000

	
9(10).99

	
Modified Loans Only

	
>= 0

	  	  
	
148

	
Total Deferred Amount

	
Any non-interest-bearing deferred amount (e.g., principal, interest and fees).

	
Loan Modifications (Pertains only to loans modified for loss mitigation purposes)

	
Numeric – Decimal

	
12000

	
9(10).99

	
Modified Loans Only

	
>= 0

	  	  
	
149

	
Pre-Modification Interest (Note) Rate

	
Scheduled Interest Rate Of The Loan Immediately Preceding The Modification Effective Payment Date.

	
Loan Modifications (Pertains only to loans modified for loss mitigation purposes)

	
Numeric – Decimal

	
0.075

	
9.999999

	
Modified Loans Only

	
>= 0 to <= 1

	  	  
	
150

	
Pre-Modification P&I Payment

	
Scheduled Total Principal And Interest Payment Amount Preceding The Modification Effective Payment Date – or if servicer is no longer advancing P&I, the payment that would be in effect if the loan were current.

	
Loan Modifications (Pertains only to loans modified for loss mitigation purposes)

	
Numeric – Decimal

	
2310.57

	
9(10).99

	
Modified Loans Only

	
> 0

	  	  
	
151

	
Pre-Modification Initial Interest Rate Change Downward Cap

	
Maximum amount the rate can adjust downward on the first interest rate adjustment date (prior to modification) – Only provide if the rate floor is modified.

	
Loan Modifications (Pertains only to loans modified for loss mitigation purposes)

	
Numeric – Decimal

	
0.015

	
9.999999

	
Modified Loans Only

	
>= 0 to <= 1

	  	  
	
152

	
Pre-Modification Subsequent Interest Rate Cap

	
Maximum increment the rate can adjust upward AFTER the initial rate adjustment (prior to modification) – Only provide if the Cap is modified.

	
Loan Modifications (Pertains only to loans modified for loss mitigation purposes)

	
Numeric – Decimal

	
0.015

	
9.999999

	
Modified Loans Only

	
>= 0 to <= 1

	  	  
	
153

	
Pre-Modification Next Interest Rate Change Date

	
Next Interest Reset Date Under The Original Terms Of The Loan (one month prior to new payment due date).

	
Loan Modifications (Pertains only to loans modified for loss mitigation purposes)

	
Date

	
20090914

	
YYYYMMDD

	
Modified Loans Only

	
“19010101” if unknown

	  	  
	
154

	
Pre-Modification I/O Term

	
Interest Only Term (in months) preceding The Modification Effective Payment Date.

	
Loan Modifications (Pertains only to loans modified for loss mitigation purposes)

	
Numeric – Integer

	
36

	
999

	
Modified Loans Only

	
>= 0 to <= 120

	  	  
	
155

	
Forgiven Principal Amount

	
The sum total of all principal balance reductions (as a result of loan modification) over the life of the loan.

	
Loan Modifications (Pertains only to loans modified for loss mitigation purposes)

	
Numeric – Decimal

	
12000

	
9(10).99

	
Modified Loans Only

	
>= 0

	  	  
	
156

	
Forgiven Interest Amount

	
The sum total of all interest incurred and forgiven (as a result of loan modification) over the life of the loan.

	
Loan Modifications (Pertains only to loans modified for loss mitigation purposes)

	
Numeric – Decimal

	
12000

	
9(10).99

	
Modified Loans Only

	
>= 0

	  	  
	
157

	
Number of Modifications

	
The number of times the loan has been modified.

	
Loan Modifications (Pertains only to loans modified for loss mitigation purposes)

	
Numeric – Integer

	
1

	
9

	
Modified Loans Only

	
>= 0

	  	  
	
MH-1

	
Real Estate Interest

	
Indicates whether the property on which the manufactured home is situated is owned outright or subject to the terms of a short- or long-term lease. (A long-term lease is defined as a lease whose term is greater than or equal to the loan term.)

	
Manufactured Housing

	
Numeric – Integer

	
2

	
99

	
Manufactured Housing Loans Only

	
See Coding

	
1 = Owned

2 = Short-term lease

3 = Long-term lease

99 = Unavailable

	  
	
MH-2

	
Community Ownership Structure

	
If the manufactured home is situated in a community, a means of classifying ownership of the community.

	
Manufactured Housing

	
Numeric – Integer

	
2

	
99

	
Manufactured Housing Loans Only

	
See Coding

	
1 = Public Institutional

2 = Public Non-Institutional

3 = Private Institutional

4 = Private Non-Institutional

5 = HOA-Owned

6 = Non-Community

99 = Unavailable

	  
	
MH-3

	
Year of Manufacture

	
The year in which the home was manufactured (Model Year — YYYY Format). Required only in cases where a full appraisal is not provided.

	
Manufactured Housing

	
Numeric – Integer

	
2006

	
YYYY

	
Manufactured Housing Loans Only

	
1901 = Unavailable

	  	  
	
MH-4

	
HUD Code Compliance  Indicator (Y/N)

	
Indicates whether the home was constructed in accordance with the 1976 HUD code. In general, homes manufactured after 1976 comply with this code.

	
Manufactured Housing

	
Numeric – Integer

	
1

	
9

	
Manufactured Housing Loans Only

	
See Codes

	
0 = No

1 = Yes

99 = Unavailable

	  
	
MH-5

	
Gross Manufacturer’s Invoice Price

	
The total amount that appears on the manufacturer’s invoice (typically includes intangible costs such as transportation, association, on-site setup, service and warranty costs, taxes, dealer incentives, and other fees).

	
Manufactured Housing

	
Numeric – Decimal

	
72570.62

	
9(10).99

	
Manufactured Housing Loans Only

	
>= 0

	  	  
	
MH-6

	
LTI (Loan-to-Invoice) Gross

	
The ratio of the loan amount divided by the Gross Manufacturer’s Invoice Price (Field MH-5).

	
Manufactured Housing

	
Numeric – Decimal

	
0.75

	
9.999999

	
Manufactured Housing Loans Only

	
>= 0 to <= 1

	  	  
	
MH-7

	
Net Manufacturer’s Invoice Price

	
The Gross Manufacturer’s Invoice Price (Field MH-5) minus intangible costs, including: transportation, association, on-site setup, service, and warranty costs, taxes, dealer incentives, and other fees.

	
Manufactured Housing

	
Numeric – Decimal

	
61570.62

	
9(10).99

	
Manufactured Housing Loans Only

	
>= 0

	  	  
	
MH-8

	
LTI (Net)

	
The ratio of the loan amount divided by the Net Manufacturer’s Invoice Price (Field MH-7).

	
Manufactured Housing

	
Numeric – Decimal

	
0.62

	
9.999999

	
Manufactured Housing Loans Only

	
>= 0 to <= 1

	  	  
	
MH-9

	
Manufacturer Name

	
The manufacturer of the subject property. (To be applied only in cases where no appraised value/other type of property valuation is available.)

	
Manufactured Housing

	
Text

	
“XYZ Corp”

	
Char (100)

	
Manufactured Housing Loans Only (where no appraised value is provided)

	
MH Manufacturer name in double quotation marks

	  	  
	
MH-10

	
Model Name

	
The model name of the subject property. (To be applied only in cases where no appraised value/other type of property valuation is available.)

	
Manufactured Housing

	
Text

	
“DX5-916-X”

	
Char (100)

	
Manufactured Housing Loans Only (where no appraised value is provided)

	
MH Model name in double quotation marks

	  	  
	
MH-11

	
Down Payment Source

	
An indicator of the source of the down payment used by the borrower to acquire the property and qualify for the mortgage.

	
Manufactured Housing

	
Numeric – Integer

	
2

	
99

	
Manufactured Housing Loans Only

	
See Codes

	
1 = Cash

2 = Proceeds from trade in

3 = Land in Lieu

4 = Other

99 = Unavailable

	  
	
MH-12

	
Community/Related Party Lender (Y/N)

	
An indicator of whether the loan was made by the community owner, an affiliate of the community owner or the owner of the real estate upon which the collateral is located.

	
Manufactured Housing

	
Numeric – Integer

	
1

	
99

	
Manufactured Housing Loans Only

	
See Codes

	
0 = No

1 = Yes

99 = Unavailable

	  
	
MH-13

	
Defined Underwriting Criteria (Y/N)

	
An indicator of whether the loan was made in accordance with a defined and/or standardized set of underwriting criteria.

	
Manufactured Housing

	
Numeric – Integer

	
1

	
99

	
Manufactured Housing Loans Only

	
See Codes

	
0 = No

1 = Yes

99 = Unavailable

	  
	
MH-14

	
Chattel Indicator

	
An Indicator of whether the secured property is classified as chattel or Real Estate.

	
Manufactured Housing

	
Numeric – Integer

	
1

	
99

	
Manufactured Housing Loans Only

	
See Codes

	
0 = Real Estate

1 = Chattel

99 = UnavailableEXHIBIT 10.2

 

November 28, 2012

 

RWT Holdings, Inc.

One Belvedere Place

Mill Valley, California 94941

 

Redwood Trust, Inc.

One Belvedere Place

Mill Valley, California 94941

          

Redwood Residential Acquisition Corporation

One Belvedere Place

Mill Valley, California 94941

 

Ladies and Gentlemen:

 

By this letter agreement (this “Letter
Agreement”), we are pleased to confirm the terms and conditions under which (i) Barclays Capital Inc. (together with our
subsidiaries and affiliates, “Barclays”) will act as sole lead underwriter for RWT Holdings, Inc. (the “Company”),
a wholly-owned subsidiary of Redwood Trust, Inc. (“Redwood Trust,” and together with the Company and their subsidiaries
and affiliates, “Redwood”) in connection with the proposed offering and sale (together, the “Offering”)
of certain classes of mortgage-backed securities (the “2013-1 Securities”) issued by Sequoia Mortgage Trust 2013-1
(the “Issuing Entity” and such issuance, the “Transaction”) and (ii) Barclays agrees to sell Redwood Residential
Acquisition Corporation (“RRAC”) certain mortgage loans on both a servicing retained and servicing released basis which
will be included in the Offering. The Issuing Entity is expected to issue (i) one or more classes of senior certificates entitled
to payments of both interest and principal that will be rated AAA or its equivalent by two of Moody’s Investors Service,
Inc., Fitch Ratings, Inc. or Standard &  Poor’s Ratings Services, a Standard & Poor’s Financial Services
LLC business (each, a “Rating Agency” and such 2013-1 Securities, “AAA P&I Senior Securities”), (ii)
one or more classes of senior certificates entitled to interest-only payments that will be rated AAA or its equivalent by two of
the Rating Agencies (“AAA IO Senior Securities”), (iii) one or more classes of subordinate certificates (the “Subordinate
Securities”) and (iv) one or more classes of REMIC residual certificates (the “Residual Securities”).

 

    	 

    	 

    

 

RWT Holdings, Inc.

Redwood Trust, Inc.

November 28, 2012

Page 2

 

 

1.          Mortgage Loans. The 2013-1
Securities are expected to be secured by a single pool of mortgage loans (the “Mortgage Loans”). For the purposes of
establishing specific purchase price percentages, the Mortgage Loans will consist of two portions, described as the “Redwood
Portion” under “Description of the Redwood Portion of the Mortgage Loans” as of the Statistical Calculation Date
and the “Barclays Portion” under “Description of the Barclays Portion of the Mortgage Loans” as of the
Statistical Calculation Date, each as specified on Annex A. A loan tape (the “Redwood Initial Tape”) containing information
regarding the Redwood Portion of the Mortgage Loans was furnished by Redwood to Barclays on November 27, 2012, and the final balance
constituting the Redwood Portion will be subject to the related Loan Balance Permitted Variance specified on Annex A from the balance
shown on the Redwood Initial Tape. A loan tape (the “Barclays Initial Tape”) containing information regarding the Barclays
Portion of the Mortgage Loans was furnished by Redwood to Barclays on November 26, 2012, and the final balance constituting the
Barclays Portion will be subject to the related Loan Balance Permitted Variance specified on Annex A from the balance shown on
the Barclays Initial Tape. The Redwood Portion and the Barclays Portion will be securitized together as collateral for the 2013-1
Securities.

 

Separately, pursuant to a mortgage loan
purchase agreement (the “MLPA”) and any related assignment, assumption and recognition agreement (the “AAR”),
RRAC shall purchase from Barclays Mortgage Loans with a combined unpaid principal balance of approximately $206,011,969 (the “Barclays
Portion”). Mortgage Loans with a combined unpaid principal balance of approximately $191,790,791 will be purchased by RRAC
on a servicing retained basis for the related Mortgage Loan Purchase Price Percentage specified on Annex A hereto and Mortgage
Loans with a combined unpaid principal balance of approximately $15,248,944 will be purchased by RRAC on a servicing released basis
for the related Mortgage Loan Purchase Price Percentage specified on Annex A hereto. Pursuant to the MLPA and the AAR, Barclays
shall not be required to make any representations and warranties to RRAC in respect of the Barclays Portion covering the period
from the date Barclays acquired such Mortgage Loans from a third party (the “Third-Party Seller”) to the Closing Date.
However, Barclays shall assign to RRAC all representations and warranties made by the Third-Party Seller to Barclays pursuant to
the mortgage loan purchase agreement between Barclays and such Third-Party Seller.

 

Redwood may substitute up to an aggregate
of the Permitted Substitution Percentage specified on Annex A hereto (calculated by balance) of the Redwood Portion on the Redwood
Initial Tape so long as (a) there are no material differences between the attributes of the Mortgage Loans after substitution and
the attributes of the Redwood Portion reflected in the Redwood Initial Tape that would materially change the AAA P&I Senior
Securities credit enhancement level specified in Section 3 and (b) the Loan Balance Permitted Variance is maintained with respect
to the Redwood Portion after taking account of the related substitutions.

 

With the prior approval of RRAC, Barclays
may substitute up to an aggregate of the Permitted Substitution Percentage specified on Annex A hereto (calculated by balance)
of the Barclays Portion of the Barclays Initial Tape so long as (a) there are no material differences between the attributes of
the Barclays Portion after substitution and the attributes of the Mortgage Loans reflected in the Barclays Initial Tape that would
materially change the AAA P&I Senior Securities credit enhancement level specified in Section 3 and (b) the Loan Balance Permitted
Variance is maintained with respect to the Barclays Portion after taking account of the related substitutions

 

At its sole expense, Barclays shall conduct
a customary underwriter’s due diligence review of all of the Mortgage Loans and shall have the right, in its reasonable discretion,
to have certain loans removed from the final pool of Mortgage Loans based on its due diligence results.

 

    	2

    	 

    

 

RWT Holdings, Inc.

Redwood Trust, Inc.

November 28, 2012

Page 3

 

2.          Structure of the Transaction; Documentation.
The Transaction shall be structured in a manner substantially similar in all material respects, adjusted as appropriate for the
inclusion of hybrid loans, to previous securitization transactions of fixed rate pools executed by Redwood under the “Sequoia
Mortgage Trust” program (the “SEMT Program”) including, but not limited to, the same “shifting interest”
provisions and mechanics in the securitization transaction in the SEMT Program that closed in November 2012 (“SEMT 2012-6”).
In connection therewith, Redwood (in such capacity, the “Seller”) shall transfer the Mortgage Loans to either Sequoia
Mortgage Funding Corporation or Sequoia Residential Funding, Inc., which shall act as depositor (the “Depositor”) for
the Transaction. The transaction documents governing (i) the sale of the Mortgage Loans from the Seller to the Depositor, (ii)
the sale of the Mortgage Loans from the Depositor to the Issuing Entity or the trustee (the “Trustee”) of the Issuing
Entity and the issuance and terms of the 2013-1 Securities, (iii) the servicing and administration of the Mortgage Loans by each
servicer (each, a Servicer”) and supervision thereof by the master servicer (the “Master Servicer”), (iv) the
custody of the Mortgage Loan files by the custodian (the “Custodian”) and (v) the assignment of representations and
warranties (together, the “Basic Transaction Documents”), shall be substantially similar in all material respects to
the transaction documents executed in connection with the SEMT 2012-6 transaction.

 

3.          Ratings. It is a condition
to the consummation of the Transaction that at least two Rating Agencies selected by Redwood (the “Initial Rating Agencies”)
issue a AAA or equivalent rating in respect of the AAA P&I Senior Securities. The fees of the Initial Rating Agencies shall
be paid in accordance with Section 8 hereof. Notwithstanding any Rating Agency feedback in respect of an AAA or equivalent rating,
the Initial Credit Enhancement for the AAA P&I Senior Securities shall be specified on Annex A.

 

4.          Underwriting Arrangement. Barclays
shall act as sole lead underwriter (the “Underwriter”) for the Offering of each class of AAA P&I Senior Securities
and an interest only certificate, which will have the same interest priority as the AAA P&I Senior Securities and which may
be rated AAA or its equivalent by two Rating Agencies ( the “AAA IO Senior Securities,” and together with the AAA P&I
Senior Securities, the “Underwritten Senior Securities”); provided, that the aggregate interest on the Underwritten
Senior Securities does not exceed the Underwritten Senior Securities Interest Rate specified in Annex A. Promptly after execution
of this Letter Agreement, Barclays and Redwood shall cooperate and work in good faith to negotiate an underwriting agreement (when
executed and delivered by the parties, the “Underwriting Agreement”) in respect of the Underwritten Senior Securities
substantially similar in all material respects to the underwriting agreement executed in connection with the SEMT 2012-6 transaction.
Subject to Section 9 hereof in respect of an adjustment to the AAA Purchase Price Percentage for certain delays in the closing
of the Transaction, it is expected that Barclays shall purchase Underwritten Senior Securities in an aggregate principal amount
equal to the Underwritten Senior Securities Balance specified on Annex A, subject to the Underwritten Senior Securities Permitted
Variance specified on Annex A, for a purchase price equal to the product of (i) the AAA Purchase Price Percentage specified on
Annex A and (ii) the Underwritten Senior Securities Balance as of the date of the closing of the Transaction (the “Closing
Date”); provided, that at Redwood’s sole option, a variance of greater than the positive Underwritten Senior
Securities Permitted Variance in the principal amount of the AAA P&I Senior Securities shall be permitted solely to the extent
that Redwood purchases the AAA P&I Senior Securities in excess of such variance. The Underwritten Senior Securities Interest
Rate on the AAA P&I Senior Securities shall be specified on Annex A. Barclays shall be entitled to receive the additional fees
or discounts from Redwood in respect of the Underwritten Senior Securities as described under “Additional Fees or Discounts”
specified on Annex A.

 

    	3

    	 

    

 

RWT Holdings, Inc.

Redwood Trust, Inc.

November 28, 2012

Page 4

 

5.          Retention of Certain 2013-1 Securities
by Redwood. Redwood shall initially retain (i) (i) the Subordinate Securities and (ii) the Residual Securities (the “Redwood
Retained Securities”) issued by the Issuing Entity.

 

6.          Underwriting Fee for Subordinate
Securities. In the event that Redwood decides to offer any of the Subordinate Securities under the Underwriting Agreement (such
Subordinate Securities, the “Underwritten Subordinate Securities,” and together with the Underwritten Senior Securities,
the “Underwritten Securities”), Barclays shall receive an underwriting fee calculated as the product of (i) the Subordinate
Securities Underwriting Fee Percentage specified on Annex A and (ii) the unpaid principal balance of Underwritten Subordinate Securities
as of the Closing Date (the “Subordinate Securities Underwriting Fee”).

 

7.          Offering Documents. In connection
with the Offering and as described in greater particularity in the Underwriting Agreement, Redwood shall prepare (i) a preliminary
prospectus supplement and prospectus, (ii) a free writing prospectus relating to the ratings of each class of 2013-1 Securities
offered in the Offering and (iii) a final prospectus supplement and prospectus (together, the “Offering Documents”).
The Offering Documents shall contain disclosures regarding, but not limited to, (i) the characteristics of the Mortgage Loans,
(ii) the terms of the 2013-1 Securities and yield considerations with respect thereto, (iii) the Seller, the Depositor, Redwood
Trust, the Company, the Trustee, the Issuing Entity, the Servicers, the Custodian, the Master Servicer and the Underwriter, and
any material legal proceedings with respect to each such entity and the compensation arrangements (if any) for each such entity,
(iv) the tax status, ERISA eligibility and legal investment considerations in respect of the 2013-1 Securities, (v) the material
provisions of the Basic Transaction Documents and (vi) the pre-offering review of the Mortgage Loans, in each case substantially
similar in nature to the disclosures included in the offering materials for the SEMT 2012-6 transaction. The Offering Documents
shall be subject to the approval of Barclays in its commercially reasonable discretion. In connection with the Offering and as
described in greater particularity in the Underwriting Agreement, Barclays shall (a) prepare the term sheet and (b) generate all
collateral and yield tables, in each case based on information provided to Barclays by Redwood. In addition, Barclays shall obtain
comfort letters from the hired accounting firm in respect of the documents and/or information specified in (a) and (b), which shall
be addressed to both Barclays and Redwood. The Underwriting Agreement shall govern any required indemnification by Barclays or
Redwood in respect of the Offering Documents prepared by Redwood and the documents and/or information specified in (a) and (b)
prepared by Barclays and will be substantially similar in all material respects to the indemnification provisions included in the
SEMT 2012-6 transaction.

 

    	4

    	 

    

 

 

RWT Holdings, Inc.

Redwood Trust, Inc.

November 28, 2012

Page 5

 

8.          Payment of Certain Expenses.

 

(a) The payment of certain expenses in respect
of the Transaction shall be as described under “Expense Allocation” on Annex A.

 

(b) In the event that an unforeseen and
unavoidable circumstance arises that Barclays and Redwood mutually agree would prevent the completion of the Transaction, Barclays
and Redwood shall execute the Pair-off Payment specified on Annex A. If the calculation results in a negative amount, Redwood shall
make the Pair-off Payment to Barclays. If the calculation results in a positive amount, Barclays shall make the Pair-off Payment
to Redwood.

 

9.          Closing of the Transaction; Delay
Penalty. Barclays and Redwood shall make all commercially reasonable efforts to close the Transaction on the Targeted Closing
Date specified on Annex A. If the Transaction does not close on the Targeted Closing Date, Barclays and Redwood shall make all
commercially reasonable efforts to close the Transaction as soon as practicable thereafter but not later than the Latest Permitted
Closing Date specified on Annex A.

 

To the extent that the Transaction does
not close on the Targeted Closing Date but closes on or before the Latest Permitted Closing Date and the failure to close on the
Targeted Closing Date is the result of a delay of or caused by Redwood or any Rating Agencies in connection with any Offering Document
or the Underwriting Agreement, the AAA Purchase Price Percentage shall be reduced by the Delay Penalty Percentage specified on
Annex A.

 

10.          Other.

 

(a)          Barclays’ participation in
the Transaction and the Offering shall be subject to the receipt by Barclays of all internal approvals.

 

(b)          Redwood (i) shall make available
to Barclays marketing materials substantially similar to the marketing materials used for the SEMT 2012-6 transaction; (ii) at
the request of Barclays, provide such information and documents as may be reasonably requested in order to enable Barclays to market
the Underwritten Securities and carry out the engagement contemplated by this Letter Agreement and the Underwriting Agreement;
and (iii) assist Barclays in carrying out its duties, functions and responsibilities pursuant hereto and provide reasonable access
to the appropriate senior officers, management, accountants, legal counsel and other parties and facilities.

 

(c)          In connection with the Transaction,
Redwood has contracted a diligence firm to perform a diligence review of the Mortgage Loans. Redwood agrees to make available the
loan-level files and loan-level diligence results of such firm to Barclays, in order to enable Barclays to conduct and complete
its customary due diligence review of the Mortgage Loans. Redwood recognizes and confirms that Barclays will be using information
in reports and other information provided by others, including, without limitation, information provided by or on behalf of Redwood
and the diligence firm contracted by Redwood, and that Barclays does not assume responsibility for and may rely, without independent
verification, on the accuracy and completeness of any such information.

 

    	5

    	 

    

 

 

RWT Holdings, Inc.

Redwood Trust, Inc.

November 28, 2012

Page 6

 

(d)          In connection with the structuring
of the Offering and engaging in the Transaction, Redwood also agrees to provide Barclays with (i) prompt notice of any material
development affecting Redwood or the occurrence of any event or other change known to Redwood and relating to Redwood that could
affect the Transaction or the Offering (including any marketing materials or Offering Documents) and (iii) any public financial
reports or such other information concerning the business and financial condition of Redwood as Barclays may from time to time
reasonably request.

 

(e)          Redwood agrees that it has not and,
unless Redwood and Barclays shall mutually agree in writing, Redwood agrees that it will not engage any other person to act as
a structurer, arranger, advisor, sole lead underwriter or placement agent in the Transaction for a period beginning on the date
of this Letter Agreement and ending upon the termination of this Letter Agreement.

 

(f)          The terms of this Letter Agreement
shall be subject to renegotiation by mutual consent of Redwood and Barclays. Any changes to the contents of Annex A as a result
of such renegotiation shall be reflected in a revised Annex A and attached hereto in substitution of any prior version of Annex
A.

 

11.          Confidentiality. Redwood agrees
that any documents or information received from Barclays, its affiliates or advisors in connection with this Letter Agreement,
the Underwriting Agreement and the transactions contemplated herein and therein may contain information that has been developed
by Barclays on a proprietary basis. Redwood agrees to treat confidentially all such information received hereunder and under the
Underwriting Agreement until one year from the date of termination hereof; provided, that nothing herein shall prevent Redwood
from disclosing any such information: (i) to purchasers or prospective purchasers of the Underwritten Securities to the extent
such information is material to an investment decision, (ii) to any Rating Agency in connection with the Transaction, (iii) pursuant
to the order of any court or administrative agency or in any pending legal or administrative proceeding, or to defend any claim
in any such proceeding, (iv) as required by law or regulation or upon the request or demand of any regulatory authority having
jurisdiction over Redwood or any of its affiliates (including any filings related to or regarding this Agreement so long as Redwood
has given prior written notice to and received the prior written consent of Barclays to any such filing), (v) to the extent that
such information becomes publicly available other than by reason of disclosure by Redwood or was or becomes available to Redwood
or its affiliates from a source which is not known by Redwood to be subject to a confidentiality obligation with respect thereto,
or (vi) to Redwood’s affiliates and its and their respective employees, legal counsel, independent auditors and other experts
or agents who need to know such information in connection with the Offering, the Transaction or any other services provided by
Redwood or its affiliates to Barclays and its affiliates, provided (a) that such persons are made aware of the proprietary nature
of such information and (b) that Redwood shall be responsible for any breach of this provision by such persons. Redwood understands
that portions of the non-public information may be subject to the Gramm-Leach-Bliley Act of 1999 (the “GLB”) and other
applicable privacy laws and regulations and agrees to maintain such information as required by the GLB and such other applicable
privacy laws and regulations for financial institutions notwithstanding the proviso to this paragraph (other than clauses (ii),
and (iii), (iv) and (v) of such proviso) or any termination of this Letter Agreement.

 

    	6

    	 

    

 

RWT Holdings, Inc.

Redwood Trust, Inc.

November 28, 2012

Page 7

 

Barclays agrees to treat confidentially
all non-public information provided to it by or on behalf of Redwood hereunder until one year from the date of termination hereof;
provided, that nothing herein shall prevent Barclays from disclosing any such information: (i) to purchasers or prospective
purchasers of the Underwritten Securities to the extent such information is material to an investment decision, (ii) pursuant to
the order of any court or administrative agency or in any pending legal or administrative proceeding, or to defend any claim in
any such proceeding, (iii) as required by law or regulation or upon the request or demand of any regulatory authority having jurisdiction
over Barclays or any of its affiliates, (iv) to the extent that such information becomes publicly available other than by reason
of disclosure by Barclays or was or becomes available to Barclays or its affiliates from a source which is not known by Barclays
to be subject to a confidentiality obligation with respect thereto, or (v) to affiliates of Barclays and its and their respective
employees, legal counsel, independent auditors and other experts or agents who need to know such information in connection with
the Offering, the Transaction or any other services provided by Barclays or its affiliates to the Redwood and its affiliates, provided
that such persons are made aware of the proprietary nature of such information. Barclays understands that portions of the non-public
information may be subject to the GLB and other applicable privacy laws and regulations and agrees to maintain such information
as required by the GLB and such other applicable privacy laws and regulations for financial institutions notwithstanding the proviso
to this paragraph (other than clauses (ii), (iii) and (v) of such proviso) or any termination of this Letter Agreement.

 

Notwithstanding any other provision in this
Letter Agreement, in connection with Section 1.6011-4 of the Treasury Regulations, the parties hereby agree that each party (and
each employee, representative, or other agent of such party) may disclose to any and all persons, without limitation of any kind,
the U.S. tax treatment and U.S. tax structure of the transaction and all materials of any kind (including opinions or other tax
analyses) that are provided to such party relating to such U.S. tax treatment and U.S. tax structure, other than any information
for which nondisclosure is reasonably necessary in order to comply with applicable securities laws.

 

12.          Governing Law. This
Letter Agreement shall be governed by, and construed in accordance with, the laws of the State of New York applicable to agreements
made and to be performed therein, without reference to its conflict of law provisions (other than Section 5-1401 of the General
Obligations Law), and the obligations, rights and remedies of the parties hereunder shall be determined in accordance with such
laws.

 

    	7

    	 

    

 

RWT Holdings, Inc.

Redwood Trust, Inc.

November 28, 2012

Page 8

 

13.          No Advisory or Fiduciary Responsibility.
Redwood acknowledges and agrees that: (i) the transactions contemplated by this Letter Agreement and the Underwriting Agreement
are arm’s-length commercial transactions between Redwood, on the one hand, and Barclays, on the other hand, and Redwood is
capable of evaluating and understanding and understands and accepts the terms, risks and conditions of the transactions contemplated
by this Letter Agreement and the Underwriting Agreement; (ii) in connection with each transaction contemplated hereby and the process
leading to each such transaction Barclays is and has been acting solely as a principal and is not the financial advisor, agent
or fiduciary of Redwood or its affiliates, stockholders, creditors or employees or any other party; (iii) Barclays has not assumed
and will not assume an advisory, agency or fiduciary responsibility in favor of Redwood with respect to any of the transactions
contemplated hereby or the process leading thereto (irrespective of whether Barclays has advised or is currently advising Redwood
on other matters) or any other obligation to Redwood except the obligations expressly set forth in this Letter Agreement and the
Underwriting Agreement; (iv) Barclays and its affiliates may be engaged in a broad range of transactions that involve interests
that differ from those of Redwood and that Barclays has no obligation to disclose any of such interests by virtue of any advisory,
agency or fiduciary relationship; and (v) Barclays has not provided any legal, accounting, regulatory or tax advice with respect
to the Offering and Redwood has consulted its own legal, accounting, regulatory and tax advisors to the extent it deemed appropriate.

 

Redwood acknowledges and agrees that Barclays
is acting solely in the capacity of an arm’s length contractual counterparty to Redwood with respect to the Offering and
the Transaction (including in connection with determining the terms of the Offering) and not as a financial advisor or a fiduciary
to, or an agent of, Redwood or any other person.  In addition, Barclays is not advising Redwood or any other person as
to any legal, tax, investment, accounting or regulatory matters in any jurisdiction.  Redwood shall consult with its
own advisors concerning such matters, and Barclays shall have no responsibility or liability to Redwood with respect thereto.  Any
review by Barclays of Redwood, the transactions contemplated by this Letter Agreement and the Underwriting Agreement (including
the Offering and the Transaction) or other matters relating to such transactions will be performed solely for the benefit of Barclays
and shall not be on behalf of Redwood.

 

14.          Termination. The Underwriting
Agreement shall supersede this Letter Agreement in any and all respects, except that the provisions of Sections 8 and 11 shall
survive the execution of the Underwriting Agreement. This Letter Agreement shall terminate upon written mutual consent of Barclays,
the Company and Redwood Trust at any time, including any extension agreed to pursuant to this Section 14. In the event that the
Transaction does not close on or before the Latest Permitted Closing Date, the obligations of Redwood and Barclays under this Letter
Agreement shall terminate unless Barclays and Redwood mutually agree in writing to extend this Letter Agreement, subject to any
additional terms and conditions agreed to at the time of such extension, except that the provisions of Sections 8 and 11 shall
survive the termination of this Letter Agreement. Redwood and Barclays acknowledge that the consummation of the Transaction contemplated
herein is subject to various conditions and limitations, and that the provisions of this Letter Agreement are preliminary and dependent
upon the satisfaction of such conditions and the occurrence of certain events.

 

[SIGNATURE PAGE FOLLOWS]

 

    	8

    	 

    

 

If the foregoing correctly sets forth your
understanding of our agreement with respect to the matters set forth herein, please so indicate by signing two copies of this Letter
Agreement and returning one of those signed copies to the undersigned, whereupon this Letter Agreement will constitute our binding
agreement.

 

	 	Very truly yours,
	 	 
	 	BARCLAYS CAPITAL INC.
	 	 	 
	 	By: 	/s/ Adam Yarnold
	 	 	Name: Adam Yarnold
	 	 	Title: Barclays Capital Managing Director

 

	Accepted and agreed to as of	 
	the date first above written:	 
	 	 
	REDWOOD TRUST, INC.	 
	 	 	 
	By: 	/s/ John Isbrandtsen	 
	 	Name:  John Isbrandtsen	 
	 	Title:   Authorized Officer	 
	 	 	 
	RWT HOLDINGS, INC.	 
	 	 	 
	By:	/s/ John Isbrandtsen	 
	 	Name:  John Isbrandtsen	 
	 	Title:   Authorized Officer	 
	 	 	 
	REDWOOD RESIDENTIAL ACQUISITION CORPORATION	 
	 	 	 
	By:	/s/ John Isbrandtsen	 
	 	Name:  John Isbrandtsen	 
	 	Title:   Authorized Officer	 

 

    	9

    	 

    

 

Annex A

 

	Statistical Calculation Date:	 	January 1, 2013.
	 	 	 
	Description of the Redwood Portion of the Mortgage Loans (the “Redwood Portion”):	 	Fixed rated and hybrid mortgage loans with an approximate unpaid principal balance of $225,133,960.
	 	 	 
	Description of the Barclays Portion of the Mortgage Loans (the “Barclays Portion”):	 	Fixed rated and hybrid mortgage loans with an approximate unpaid principal balance of $206,011,969, of which approximately $190,763,025 will be purchased by RRAC on a servicing retained basis and of which approximately $15,248,944 will be purchased by RRAC on a servicing released basis.
	 	 	 
	Servicing Transfer Date (if applicable):	 	February 1, 2013.
	 	 	 
	Loan Balance Permitted Variances:	 	
        For the Barclays Portion, plus or minus 5% of the Barclays Portion.

         

        For the Redwood Portion, plus or minus 5% of the Redwood Portion.

	 	 	 
	Permitted Substitution Percentages:	 	
        For the Barclays Portion, 10% of the Barclays Portion.

         

        For the Redwood Portion, 10% of the Redwood Portion.

	 	 	 
	Initial Credit Enhancement:	 	Not less than 6.5%.
	 	 	 
	Underwritten Senior Securities Balance:	 	Approximately $401,000,000.
	 	 	 
	Underwritten Senior Securities Balance Permitted Variance:	 	Plus or minus 5%.
	 	 	 
	AAA P&I Senior Securities and AAA IO Senior Securities Purchase Price Percentage of the Redwood Portion:	 	
        The sum of:

         

(a)   3.2
        times the final coupon of the AAA IO Senior Security, and

         

(b)   103.656%,
        which shall increase by 0.0625% if the final AAA credit enhancement is between 7.5 and 8.0.

         

To the extent that the final AAA credit enhancement
        exceeds 8%, the parties hereto agree to renegotiate the terms of this Letter Agreement in good faith.

 

    	10

    	 

    

 

	AAA P&I Senior Securities and AAA IO Securities Purchase Price Percentage of the Barclays Portion	 	
        104.185%, which shall increase by 0.291 to
        1 for any increase in AAA credit enhancement in excess of 7.25% and which shall decrease by 0.291 to 1 for any decrease in AAA
        credit enhancement from 7.25%.

         

To the extent that the final AAA credit enhancement
        exceeds 8%, the parties hereto agree to renegotiate the terms of this Letter Agreement in good faith.

         

	Mortgage Loan Purchase Price Percentages for Barclays Portion:	 	
        102.25% for Mortgage Loans purchased on a
        servicing retained basis.

         

        102.625% for Mortgage Loans purchased on a
        servicing released basis.

         

	
        Underwritten Senior Securities Interest Rate:

         
	 	3.0%.
	
        Additional
        Fees or Discounts:

         
	 	None.
	
        Subordinate Securities Underwriting Fee Percentage:

         
	 	0.25%.

 

    	11

    	 

    

 

	Expense Allocation:	 	
        Redwood shall pay all expenses in connection
        with the Transaction and the Offering other than (a) the fees and expenses of legal counsel to Barclays and (b) the expenses of
        any underwriter’s due diligence conducted by Barclays on the Mortgage Loans (but not including any due diligence costs associated
        with Barclays’ purchase of any Mortgage Loan). The expenses for which Redwood shall be responsible shall not include any
        fee or discount to Barclays in respect of the Underwritten Senior Securities but shall include, but not be limited to: (i) any
        Subordinate Securities Underwriting Fees, if applicable; (ii) fees and expenses of Redwood’s counsel and auditors in connection
        with the Transaction; (iii) the fees of the Rating Agencies; (iv) the fees and expenses of any accounting firm that is engaged
        to deliver comfort letters in respect of the Offering Documents, any static pool information, any term sheet or other marketing
        materials; (v) the fees and expenses of the Trustee, the Issuing Entity, the Servicers, the Custodian, the Master Servicer and
        their respective counsel and auditors in connection with the Transaction; (vi) the cost of delivering the Underwritten Securities
        to the Underwriter; (vii) expenses of preparing, printing, filing and reproducing the Offering Documents, the SEC registration
        statement relating to the 2013-1 Securities, the Basic Transaction Documents and the 2013-1 Securities; (viii) all transfer taxes,
        if any, with respect to the sale and delivery of the Underwritten Securities to the Underwriter; (ix) any expenses for the qualification
        of the Underwritten Securities under “blue sky” or state securities laws, including filing fees and the fees and disbursements
        of counsel to the Underwriter in connection therewith and with the preparation of any “blue sky” survey; and (x) all
        other costs and expenses incidental to the Offering or the Transaction that are not otherwise specifically provided for herein.

         

	Targeted Closing Date:	 	
        Barclays and Redwood shall make all
commercially reasonable efforts to close the Transaction on January 15, 2013.

 

	Latest Permitted Closing Date:	 	
        January 24, 2013.

         

    	12

    	 

    

 

	Delay Penalty Percentage:	 	
        0.078125% for each five business day period
        for which the closing of the Transaction does not occur, pro rated for the actual number of business days from and including January
        15, 2013 to but excluding the Closing Date of the Transaction.

         

	Pair-off Payment:	 	
        An amount equal to the product of (i) $209,000,000
        and (ii) a fraction, (a) the numerator of which is the product of (I) 0.65 and (II) the difference resulting from the subtraction
        of the Current Value from 105.15625 and (b) the denominator of which is 100. For the purposes of this calculation, “Current
        Value” shall equal the price, as reported on Bloomberg on the date such Pair-off Payment is executed, for the Fannie Mae
        30 year Mortgage Pass-Through Certificates at a coupon of 3.0% per annum, TBA for the current front month.

         

  

    	13

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