Document:

EXHIBIT 10.7

 

ASSIGNMENT, ASSUMPTION AND RECOGNITION
AGREEMENT

 

This is an Assignment,
Assumption and Recognition Agreement (the “Agreement”) made as of the 15th day of January, 2013, among Redwood
Residential Acquisition Corporation, a Delaware corporation (“Assignor”), Sequoia Residential Funding, Inc., a Delaware
corporation (“Depositor”), Christiana Trust, a division of Wilmington Savings Fund Society, FSB, a federal savings
bank, not in its individual capacity but solely as trustee (in such capacity, the “Trustee” and as referred to herein,
the “Assignee”) under a Pooling and Servicing Agreement dated as of January 1, 2013 (the “Pooling and Servicing
Agreement”), and PHH Mortgage Corporation, a New Jersey corporation (“PHH”).

 

In consideration of
the mutual promises contained herein, the parties hereto agree that the mortgage loans (the “Mortgage Loans”) listed
on Attachment 1 (the “Mortgage Loan Schedule”) now serviced by PHH (together with its successors and assigns, the “Servicer”)
for Assignor and its successors and assigns pursuant to the Mortgage Loan Flow Purchase, Sale and Servicing Agreement dated as
of July 21, 2010, between Assignor and PHH (the “Purchase and Servicing Agreement”) and the servicing thereof shall
be subject to the terms of the Purchase and Servicing Agreement as modified or supplemented by this Agreement. Unless otherwise
specified herein, capitalized terms used herein but not defined shall have the meanings ascribed to them in the Purchase and Servicing
Agreement. Assignor will sell the Mortgage Loans to Depositor pursuant to a Mortgage Loan Purchase and Sale Agreement dated the
date hereof, and Depositor will sell the Mortgage Loans to Assignee pursuant to the Pooling and Servicing Agreement.

 

Assignment and Assumption

 

1.          Assignor
hereby grants, transfers and assigns to Depositor all of its right, title and interest in, to and under the Purchase and Servicing
Agreement to the extent relating to the Mortgage Loans, together with its obligations as “Purchaser” (as such term
is defined in the Purchase and Servicing Agreement) to the extent relating to the Mortgage Loans, and Depositor hereby accepts
such assignment from Assignor and assumes such obligations.

 

2.          [Reserved].

 

3.          Depositor
hereby grants, transfers and assigns to Assignee all of its right, title and interest in, to and under the Purchase and Servicing
Agreement to the extent relating to the Mortgage Loans, together with its obligations as “Purchaser” (as such term
is defined in the Purchase and Servicing Agreement) to the extent relating to the Mortgage Loans, Depositor is released from all
obligations under the Purchase and Servicing Agreement, and Assignee hereby accepts such assignment from Depositor and assumes
such obligations.

 

4.          [Reserved].

 

    	 

    	 

    

 

5.          Assignee
agrees to be bound, as “Purchaser” (as such term is defined in the Purchase and Servicing Agreement), by all of the
terms, covenants and conditions of the Purchase and Servicing Agreement relating to the Mortgage Loans, and from and after the
date hereof, Assignee assumes for the benefit of each of Assignor, Depositor and PHH all of Assignor's obligations as Purchaser
thereunder in respect of the Mortgage Loans, and Assignor is released from such obligations.

 

6.          [Reserved].

 

7.          PHH
hereby acknowledges the foregoing assignments and assumptions and agrees that Assignee shall be the “Purchaser” under
the Purchase and Servicing Agreement with respect to the Mortgage Loans.

 

Representations and Warranties

 

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

 

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

 

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

 

(c)          There
are no offsets, counterclaims or other defenses available to PHH with respect to the Mortgage Loans under the Purchase and Servicing
Agreement;

 

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

 

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

 

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

 

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

 

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

 

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

 

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

 

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

 

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

 

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

 

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

 

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

 

(b)          PHH
is duly organized, validly existing and in good standing under the laws of the jurisdiction of its incorporation, and has all requisite
power and authority to service the Mortgage Loans pursuant to the Purchase and Servicing Agreement and otherwise to perform its
obligations under the Purchase and Servicing Agreement;

 

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

 

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

 

Restated PHH Representations and Warranties

 

12.        (i)          [Reserved].

 

(ii)         Pursuant
to Section 3.07 of the Purchase and Servicing Agreement, PHH hereby restates to Depositor and Assignee (a) the representations
and warranties set forth in Sections 3.01 and 3.02 of the Purchase and Servicing Agreement as of the date hereof and (b) the representations
and warranties set forth in Section 3.03 of the Purchase and Servicing Agreement with respect to each Mortgage Loan as of the respective
Funding Date, as if such representations and warranties were set forth herein in full. In the event of a breach of any representations
and warranties set forth in Sections 3.01, 3.02 or 3.03 of the Purchase and Servicing Agreement as of the Funding Date or the date
hereof, as the case may be, Depositor and Assignee shall be entitled to all of the remedies set forth in the Purchase and Servicing
Agreement.

 

Repurchase Upon Breach of Representations
and Warranties

 

13.       (a)          Assignor
hereby covenants and agrees that, if a breach of any representation and warranty set forth in Section 3.03 of the Purchase and
Servicing Agreement exists on the date hereof that materially and adversely affects the value of any Mortgage Loan or the interest
of Assignee in any Mortgage Loan and such breach did not exist as of the Funding Date of that Mortgage Loan, Assignor shall have
a period of 60 days from the earlier of either discovery or receipt of written notice from Assignee to Assignor of such breach
within which to correct or cure such breach. Each determination as to whether there has been such a breach shall be conducted on
a Mortgage Loan-by-Mortgage Loan basis. A breach of representations and warranties in the first sentence of Section 3.03(21) and
Sections 3.03(41) and (52) of the Purchase and Servicing Agreement shall be deemed to materially and adversely affect the value
of the related Mortgage Loan and the interest of the Assignee therein. Assignor hereby covenants and agrees that if any breach
cannot be corrected or cured within such 60 day period, then Assignor shall, at its option, (i) substitute a mortgage loan for
the Defective Mortgage Loan in accordance with the Purchase and Servicing Agreement, (ii) repurchase the related Mortgage Loan
at the Repurchase Price or (iii) except for a breach of a representation and warranty in Section 3.03(52) of the Purchase and Sale
Agreement, make an indemnification payment in an amount equal to the reduction in value of such Mortgage Loan as a result of such
breach not later than 90 days after its discovery or receipt of notice of such breach and in the case of clauses (ii) and (iii)
above, by wire transfer of immediately available funds to such account as Assignee shall specify to Assignor.

 

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(b)          Assignor
and Assignee agree that the resolution of any controversy or claim arising out of or relating to an obligation or alleged obligation
of Assignor to repurchase a Mortgage Loan or Mortgage Loans pursuant to Section 13(a) above shall be by Arbitration administered
by the American Arbitration Association. If any such controversy or claim has not been resolved to the satisfaction of both Assignor
and Assignee, either party may commence Arbitration to resolve the dispute; provided that a party may commence Arbitration with
respect to one or more unresolved allegations only during the months of January, April, July and October, and all matters with
respect to which Arbitration has been commenced in any such month shall be heard in a single Arbitration in the immediately following
month or as soon as practicable thereafter.

 

(c)          To
commence Arbitration, the moving party shall deliver written notice to the other party that it has elected to pursue Arbitration
in accordance with this Section 13, provided that if Assignor has not responded to Assignee's notification of a breach of a representation
and warranty, Assignee shall not commence Arbitration with respect to that breach before 60 days following such notification in
order to provide Assignor with an opportunity to respond to such notification. Within 10 Business Days after a party has provided
notice that it has elected to pursue Arbitration, each party may submit the names of one or more proposed Arbitrators to the other
party in writing. If the parties have not agreed on the selection of an Arbitrator within five Business Days after the first such
submission, then the party commencing Arbitration shall, within the next 5 Business Days, notify the American Arbitration Association
in New York, New York and request that it appoint a single Arbitrator with experience in arbitrating disputes arising in the financial
services industry.

 

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

 

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

 

Recognition of Assignee

 

14.         (a)          From
and after the date hereof, subject to Sections 16 and 17 below, PHH shall recognize Assignee as owner of the Mortgage Loans and
will service the Mortgage Loans and perform its obligations hereunder and under the Purchase and Servicing Agreement for the benefit
of the Assignee in accordance with this Agreement and the Purchase and Servicing Agreement, each as modified hereby and as may
be amended from time to time, as if Assignee and PHH had entered into a separate purchase and servicing agreement for the purchase
and servicing of the Mortgage Loans.

 

(b)          [Reserved].

 

(c)          It
is the intention of Assignor, Depositor, PHH and Assignee that this Agreement shall constitute a separate and distinct servicing
agreement, and the entire servicing agreement, between PHH and Assignee to the extent of the Mortgage Loans and shall be binding
upon and for the benefit of the respective successors and assigns of the parties hereto.

 

15.          The
Mortgage Loans shall be serviced by PHH for Assignee in accordance with all applicable state, federal and local laws as well as
in conformity with the provisions of the applicable Mortgages and Mortgage Notes, and pursuant to the terms and conditions of this
Agreement.

 

Continuing Rights and Responsibilities

 

16.         (a)          Controlling
Holder Rights. PHH agrees and acknowledges that Sequoia Mortgage Funding Corporation, an Affiliate of the Depositor, in its
capacity as the initial Controlling Holder pursuant to the Pooling and Servicing Agreement, and for so long as it is the Controlling
Holder, will assume all of Assignee's rights and all related responsibilities of the Assignee under each of the following sections
of the Purchase and Servicing Agreement:

 

Purchase
and Servicing Agreement:

 

	Section	Matter
	 	 
	3.04	
        Repurchase and Substitution

         

	7.06	Purchaser's Right to Examine Servicer Records; Reports

 

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(b)          Notwithstanding
Sections 1, 2 and 14 above, Assignor reserves its rights under, and does not assign to Assignee or Depositor, the ongoing rights
to take action and the responsibilities of the Purchaser under the sections of the Purchase and Servicing Agreement listed below:

 

 

Purchase
and Servicing Agreement:

 

	Section	Matter
	3.06	
        Purchase Price Protection

         

	Article XIII	Compliance with Regulation AB

 

(c)          In
addition, PHH agrees to furnish to Assignor and to Wells Fargo Bank, N.A., as master servicer or securities administrator under
the Pooling and Servicing Agreement (the “Master Servicer”), copies of reports, notices, statements and other communications
required to be delivered to the Assignee by PHH pursuant to any of the sections of the Purchase and Servicing Agreement referred
to above and under the following sections, at the times therein specified:

 

Purchase and Servicing
Agreement:

 

	Section	 
	 	 
	5.09	Transfer of Accounts
	 	 
	6.02	Reporting
	 	 
	Section 13.04	Servicer Compliance Statement
	 	 
	Section 13.05	Report on Assessment of Compliance and Attestation

 

(d)          If
there is no Controlling Holder under the Pooling and Servicing Agreement, then all rights and responsibilities assumed by the Controlling
Holder pursuant to Section 16(a) shall terminate and revert to Assignee.

 

Assignor will provide thirty (30) days
notice to PHH, the Master Servicer and the Trustee of any such termination of which Assignor has knowledge.

 

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Amendments to Purchase and Servicing
Agreement

 

17.          [Reserved].

 

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

 

(a)          Definitions.

 

(i)          The
definitions of “Arbitration,” “Business Day,” “Designated Guidelines,” “Eligible Account,”
“Escrow Account,” “Opinion of Counsel,” “Permitted Investment,” “Repurchase Price,”
“Servicing Fee” and “Servicing Fee Rate” set forth in Section 1.01 of the Purchase and Servicing Agreement
shall be deleted and replaced in their entirety as follows, and the definition of “Stated Principal Balance” as set
forth below shall be added to Section 1.01 following the definition of “Proprietary Lease” (capitalized terms not defined
in the Purchase and Servicing Agreement but listed on Attachment 3 shall be defined as specified on Attachment 3):

 

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

 

Business
Day: Any day other than (i) a Saturday or a Sunday, (ii) a legal holiday in the State of New York, the State of New Jersey,
the State of California, the State of Delaware, the State of Maryland or the State of Minnesota, or (iii) a day on which banks
in the State of New York, the State of New Jersey, the State of California, the State of Delaware, the State of Maryland or the
State of Minnesota are authorized or obligated by law or executive order to be closed.

 

Designated
Guidelines: As to each Mortgage Loan, the applicable set of underwriting guidelines in effect as of the origination date of
such Mortgage Loan, in the form provided by the Seller to the Purchaser, as may be updated and provided to the Purchaser from time
to time.

 

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Eligible
Account: Any account or accounts maintained with a federal or state chartered depository institution or trust company that
satisfies each of the following criteria: (1) the short-term unsecured debt obligations of such entity are rated in the highest
rating category of Moody’s and the long-term unsecured debt obligations of such entity are rated in one of the two highest
rating categories of Moody’s; (2) if the unsecured debt obligations of such entity are rated by Kroll Bond Rating Agency,
Inc. (“KBRA”), then the short-term unsecured debt obligations of such entity are rated in the highest rating category
of KBRA and the long-term unsecured debt obligations of such entity are rated in one of the three highest rating categories of
KBRA; and (3) either (A) the short-term unsecured debt obligations of such entity are rated in the highest rating category
of Fitch and the long-term unsecured debt obligations of such entity are rated in one of the two highest rating categories of Fitch
or (B) the short-term deposit rating of such entity by Fitch is at least “F1” and the long-term deposit rating by Fitch
is at least “A”. If the ratings no longer satisfy each of these criteria, the funds on deposit therewith in connection
with this transaction shall be transferred to an Eligible Account within 30 days of such downgrade. Eligible Accounts may bear
interest.

 

Escrow Account:
The separate Eligible Account or Accounts created and maintained pursuant to Section 5.06 which shall be entitled “PHH Mortgage
Corporation, as trustee and/or bailee for Christiana Trust, a division of Wilmington Savings Fund Society, and/or payments of various
mortgagors, respectively.”

 

Opinion
of Counsel: A written opinion of counsel, who may be salaried counsel for the Person on behalf of whom the opinion is being
given, reasonably acceptable to each Person to whom such opinion is addressed, and which must be Independent outside counsel with
respect to any such opinion of counsel concerning the taxation or the federal income tax status of each REMIC.

 

Permitted
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 the 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;

 

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(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 the 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 Permitted Investments to the extent that investments therein will cause the then outstanding principal
amount of securities issued by such corporation and held as Permitted Investments to exceed 10% of the aggregate outstanding principal
balances of all of the Mortgage Loans and Permitted 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 the Rating Agency
at the time of such investment; and

 

(vi)          any
money market funds rated in one of the two highest rating categories by the 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 Permitted 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.

 

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Repurchase
Price: With respect to any Mortgage Loan, a price equal to (i) the Unpaid Principal Balance of such Mortgage Loan plus (ii) interest
on such Unpaid Principal Balance at the Note Rate from and including the last Due Date through which interest has been paid by
or on behalf of the Mortgagor up to the Due Date following the date of repurchase, minus (iii) amounts received in respect of such
repurchased Mortgage Loan which are being held in the Collection Account for distribution in connection with such Mortgage Loan
and, if the Servicer is also the Seller, minus (iv) any unreimbursed Monthly Advances (including Non-recoverable Advances) and
any unpaid Servicing Fees made by or owing to the Servicer and allocable to such repurchased Mortgage Loan, which amounts shall
be deposited in the Collection Account for withdrawal by the Servicer in accordance with Section 5.05; provided, however,
that Servicer shall only be entitled to reimburse itself for Monthly Advances pursuant to Section 5.05(3) and any unpaid Servicing
Fees pursuant to Section 5.05(4) from Repurchase Price proceeds to the extent that such Monthly Advances and unpaid Servicing Fees
have not been subtracted in accordance with this definition; and provided, further, that, notwithstanding the provisions
of Section 5.05 to the contrary, if Servicer as Seller or Servicer is required to repurchase a Mortgage Loan pursuant to Section
3.04, Servicer’s right to reimburse itself pursuant to Section 5.05(4) shall be subsequent to the payment to Purchaser of
the Repurchase Price pursuant to Section 3.04, and all other amounts required to be paid to the Purchaser with respect to the Mortgage
Loan.

 

Servicing
Fee: With respect to each Mortgage Loan and any calendar month (or portion thereof) an amount equal to 1/12 of the product
of (i) the Stated Principal Balance of such Mortgage Loan and (ii) the Servicing Fee Rate applicable to such Mortgage Loan.

 

Servicing
Fee Rate: A per annum rate equal to 0.25% in the case of Mortgage Loans that provide for interest at a fixed rate, and a per
annum rate equal to 0.375% in the case of Mortgage Loans that provide for interest at a fixed rate for an initial period from origination
and an adjustable rate thereafter.

 

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.

 

(b)          Servicing
Standard. In servicing the Mortgage Loans in accordance with the Purchase and Servicing Agreement and Customary Servicing Procedures,
the Servicer shall service the Mortgage Loans with a view to the best interests of all holders of the Sequoia Mortgage Trust 2013-1
Mortgage Pass-Through Certificates as a single class.

 

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(c)          Collection
of Mortgage Loan Payments and Segregated Collection Account.

 

(i)          The
following paragraph shall be added to Section 5.02:

 

Mortgage Loan
payments received by the Servicer will be deposited within one Business Day of receipt into a clearing account that is an Eligible
Account. The Mortgage Loan payments may be commingled with payments of other mortgagors and investors for up to two Business Days
prior to the Servicer depositing the Mortgage Loan payments in the 2013-1 Collection Account. Such clearing account shall not be
used for operational or corporate purposes of the Servicer.

 

(ii)          The
Servicer shall establish a Collection Account pursuant to Section 5.04 of the Purchase and Servicing Agreement which shall be titled
“PHH Mortgage Corporation, as trustee and/or bailee for Christiana Trust, a division of Wilmington Savings Fund Society,
FSB, as trustee of the Sequoia Mortgage Trust 2013-1” (the “2013-1 Collection Account”), which shall be the Collection
Account under this Agreement for all purposes. If the 2013-1 Collection Account is no longer an Eligible Account, the Servicer
shall transfer the 2013-1 Collection Account to an account that is an Eligible Account.

 

(d)          Section
3.04 Repurchase and Substitution.

 

(i)          The
second paragraph of Section 3.04 shall be amended and replaced, to read in its entirety as follows:

 

Upon discovery
by the Seller, the Servicer or the Purchaser of a breach of any of the representations and warranties contained in Sections 3.01,
3.02 or 3.03 that materially and adversely affects the value of the Mortgage Loans or the interest of the Purchaser in the Mortgage
Loans (or that materially and adversely affects the value of the related Mortgage Loan or the interests of the Purchaser in the
related Mortgage Loan, in the case of a representation or warranty relating to a particular Mortgage Loan), the party discovering
such breach shall give prompt written notice to the other. Each determination as to whether there has been such a breach shall
be conducted on a Mortgage Loan-by-Mortgage Loan basis. A breach of representations and warranties in the first sentence of Section
3.03(21) and Sections 3.03(41) and (52) hereof, shall be deemed to materially and adversely affect the value of the related Mortgage
Loan and the interest of the Purchaser therein. With respect to the representations and warranties contained in Section 3.03 that
are made to the Seller’s knowledge, if it is discovered by either the Seller or the Purchaser that the substance of such
representation and warranty is inaccurate and such inaccuracy materially and adversely affects the value of the related Mortgage
Loan or the interests of the Purchaser therein, the Purchaser shall be entitled to all the remedies to which it would be entitled
for a breach of such representation or warranty, including, without limitation, the repurchase requirements contained herein, notwithstanding
Seller’s lack of knowledge with respect to the inaccuracy at the time the representation or warranty was made.

 

    	13

    	 

    

 

(ii)          Clause
(ii) of the second sentence of the third paragraph of Section 3.04 shall be amended and replaced, to read in its entirety as follows:

 

(ii)  except
for a breach of the representation and warranty in Section 3.03(52) hereof, make an indemnification payment to Purchaser in an
amount equal to the reduction in value of such Mortgage Loan as a result of such breach.

 

(iii)          The
last sentence of the third paragraph of Section 3.04 shall be amended and replaced, to read in its entirety as follows:

 

If the breach
of representation and warranty that gave rise to the obligation to repurchase or substitute a Mortgage Loan pursuant to this Section
3.04 was the representation and warranty set forth in clause (9) or (41) of Section 3.03 hereof, then the Seller shall pay to the
Purchaser, concurrently with and in addition to the remedies provided in this Section 3.04, an amount equal to any liability, penalty
or expense that was actually incurred and paid out of or on behalf of the Purchaser, and that directly resulted from such breach,
or if incurred and paid by or on behalf of the Purchaser thereafter, concurrently with such payment.

 

(e)          Section
5.01 Servicing Standards; Additional Documents; Consent of Purchaser.

 

(i)  The first
sentence of Section 5.01(3)(c) shall be amended and replaced, to read in its entirety as follows:

 

(c)          consistent
with the terms of this Agreement, and subject to the REMIC Provisions if the Mortgage Loans have been transferred to a REMIC, the
Servicer may waive, modify or vary any term of any Mortgage Loan or consent to the postponement of strict compliance with any such
term or in any manner grant indulgence to any Mortgagor; provided, however, that (unless the Mortgagor is in default with
respect to the Mortgage Loan, or such default is, in the judgment of the Servicer, imminent,
and the Servicer has received the express written consent of the Purchaser) the Servicer shall not enter into any payment plan
or agreement to modify payments with a Mortgagor lasting more than twelve (12) months or permit any modification with respect to
any Mortgage Loan that would change the Mortgage Interest Rate, the Maximum Rate (if applicable), the Initial Rate Cap (if
applicable), the Periodic Rate Cap (if applicable) or the Gross Margin (if applicable), agree to the
capitalization of arrearages, including interest, fees or expenses owed under the Mortgage Loan, make any future advances or extend
the final maturity date with respect to such Mortgage Loan (provided that the Servicer shall in no event extend the final maturity
date past February 25, 2043 or, if such 25th day is not a Business Day, the next succeeding Business Day), or accept substitute
or additional collateral or release any collateral for such Mortgage Loan. 

 

    	14

    	 

    

 

(ii) The first three
sentences of Section 5.01(3)(h) shall be amended and replaced, to read in their entirety as follows:

 

(h)          notwithstanding
anything to the contrary contained herein, in connection with a foreclosure or acceptance of a deed in lieu of foreclosure, in
the event the Servicer has reasonable cause to believe that a Mortgaged Property is contaminated by hazardous or toxic substances
or wastes, or if the Purchaser otherwise requests an Environmental Assessment or review of such Mortgaged Property, such Environmental
Assessment or review shall be conducted at the Purchaser’s expense or shall be reimbursable as a Servicing Advance. Upon
completion of the Environmental Assessment, the Servicer shall promptly provide the Purchaser with a written report of the Environmental
Assessment. In the event (a) the Environmental Assessment report indicates that the Mortgaged Property is contaminated by hazardous
or toxic substances or wastes and (b) the Purchaser provides written approval for the Servicer to proceed with foreclosure or acceptance
of a deed in lieu of foreclosure, the Servicer shall be reimbursed for all reasonable costs associated with such foreclosure or
acceptance of a deed in lieu of foreclosure and any related environmental clean up costs, as applicable, from the related Liquidation
Proceeds, or if the Liquidation Proceeds are insufficient to fully reimburse the Servicer, the Servicer shall be entitled to be
reimbursed from amounts in the Collection Account pursuant to Section 5.05 hereof; provided, however, that if the costs
associated with the environmental clean up are projected to exceed $10,000, the Servicer shall notify the Purchaser and shall have
no obligation to proceed with foreclosure or acceptance of a deed in lieu of foreclosure, or otherwise remediate or incur any such
clean up costs.

 

(f)          Section
5.08 Payment of Taxes, Insurance and Other Charges; Maintenance of Primary Insurance Policies; Collections Thereunder.

 

(i)          The
first sentence of the second paragraph of Section 5.08 shall be amended and replaced, to read in its entirety as follows:

 

    	15

    	 

    

 

With respect
to each Mortgage Loan with a Loan-to-Value Ratio in excess of 80%, the Servicer shall promptly, without any cost to the Purchaser,
maintain in full force and effect a Primary Insurance Policy, conforming in all respects to the description set forth in Section
3.03(30) hereof, issued by an insurer described in that Section, with respect to each Mortgage Loan for which such coverage is
required.

 

(ii)          The
fourth sentence of the second paragraph of Section 5.08 shall be amended and replaced, to read in its entirety as follows:

 

The Servicer
shall not cancel or refuse to renew any Primary Insurance Policy in effect on the Funding Date that is required to be kept in force
under this Agreement unless a replacement Primary Insurance Policy for such canceled or nonrenewed policy is obtained from and
maintained with an insurer that satisfies the standards set forth in Section 3.03(30) hereof.

 

(g)          Section
5.13 Realization Upon Specially Serviced Mortgage Loans and REO Properties. The second sentence of the first paragraph of Section
5.13 shall be amended and replaced, to read in its entirety as follows:

 

In the
event that any payment due under any Mortgage Loan remains delinquent for a period of 45 days, the Servicer shall order an inspection
of the related Mortgaged Property and, except with respect to any Mortgage Loan for which the Servicer is in the process of modifying
or has modified the terms of such Mortgage Loan, if the Mortgage Loan remains delinquent for a period of 90 days or more, the Servicer
shall commence foreclosure proceedings in accordance with Customary Servicing Procedures and the guidelines set forth by Fannie
Mae, Freddie Mac, or FHFA, and FHA or VA, as applicable.

 

(h)          Section
8.02 Purchaser Financial Statements. Section 8.02 shall be amended and replaced, to read in its entirety as follows:

 

Section 8.02
[Reserved].

 

(i)          Section
11.01 Term and Termination. Clause (2) of Section 11.01 shall be amended and replaced, to read in its entirety as follows:

 

(2)          In
any case other than as provided under clause (1) hereof, the obligations and responsibilities of the Servicer hereunder shall terminate
upon: the later of (a)(I) the final payment or other liquidation (or any advance with respect thereto) of the last Mortgage Loan
and (II) the disposition of all REO Property and the remittance of all funds due hereunder and (b) the exercise of a party of its
Clean-up Call (as such term is defined in the Pooling and Servicing Agreement).

 

    	16

    	 

    

 

(j)          REMIC
Provisions.

 

(i)          The
following definition of “REMIC Provisions” is hereby added to Section 1.01 of the Purchase and Servicing Agreement
(capitalized terms not defined in the Purchase and Servicing Agreement to be as defined in the Pooling and Servicing
Agreement):

 

REMIC Provisions:       Sections
860A through 860G of the Internal Revenue Code; such other provisions of the Code as relate to an entity created thereunder; the
regulations promulgated pursuant such sections and provisions of the Code; and published guidance issued by the Internal Revenue
Service relating to such Code sections and regulations.

(ii)          The
following additional provisions shall be added after Section 7.07, to read in its entirety as follows:

 

Section
7.08     Compliance with REMIC Provisions

 

If a REMIC
election has been made with respect to the arrangement under which the Mortgage Loans and REO Property are held, the Servicer shall
not take any action, cause the 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 (i) endanger the status of the REMIC as a REMIC or (ii) result
in the imposition of a tax upon the REMIC (including but not limited to the tax on “prohibited transactions” as defined
in Section 860F(a)(2) of the Code and the tax on “contributions” to a REMIC set forth in Section 860G(d) of the Code)
unless the Servicer has received an Opinion of Counsel (at the expense of the party seeking to take such action) to the effect
that the contemplated action will not endanger such REMIC status or result in the imposition of any such tax.

 

(iii)          The
following paragraph shall be added to the end of Section 5.13, to read in its entirety as follows:

 

    	17

    	 

    

 

If a Mortgage
Loan is held by a REMIC, the Servicer shall not acquire any real property (or personal property incident to such real property)
in respect of such Mortgage Loan except in connection with a default or imminent default of such Mortgage Loan. In the event that
a REMIC acquires any real property (or personal property incident to such real property) in connection with a default or imminent
default of a Mortgage Loan, such property shall be disposed of by the Servicer as soon as practicable in a manner that, consistent
with prudent mortgage loan servicing practices, maximizes the net present value of the recovery to the Trust, but in any event
within three years after its acquisition by such REMIC unless the Servicer provides to the Purchaser and the Trustee and the Securities
Administrator under the Pooling and Servicing Agreement an Opinion of Counsel to the effect that the holding by such REMIC of such
Mortgaged Property subsequent to three years after its acquisition will not result in the imposition of taxes on “prohibited
transactions” on such REMIC as defined in Section 860F of the Code or under the law of any state in which real property securing
a Mortgage Loan owned by such REMIC is located or cause such REMIC to fail to qualify as a REMIC for federal income tax purposes
or for state tax purposes under the laws of any state in which real property securing a Mortgage Loan owned by such REMIC is located
at any time that any mortgage pass-through certificates representing interests in such REMIC are outstanding. The Servicer shall
conserve, protect and operate each such property for such REMIC solely for the purpose of its prompt disposition and sale in a
manner which does not cause such property to fail to qualify as “foreclosure property” within the meaning of Section
860G(a)(8) or result in the receipt by such REMIC of any “income from non-permitted assets” within the meaning of Section
860F(a)(2)(B) of the Code or any “net income from foreclosure property” which is subject to taxation under the REMIC
Provisions. Pursuant to its efforts to sell such property, the Servicer shall either itself or through an agent selected by the
Servicer protect and conserve such property in the same manner and to such extent as is customary in the locality where such property
is located and may, incident to its conservation and protection of the assets of the Trust, rent the same, or any part thereof,
as the Servicer deems to be in the best interest of the Trust for the period prior to the sale of such property. Additionally,
the Servicer shall perform the tax withholding and shall file information returns with respect to the receipt of mortgage interests
received in a trade or business, the reports of foreclosures and abandonments of any Mortgaged Property and the information returns
relating to cancellation of indebtedness income with respect to any Mortgaged Property required by Sections 6050H, 6050J and 6050P,
respectively, of the Code, and deliver to the Purchaser and the Trustee and the Securities Administrator under the Pooling and
Servicing Agreement an Officers’ Certificate on or before March 31 of each year stating that such reports have been filed.
Such reports shall be in form and substance sufficient to meet the reporting requirements imposed by Sections 6050H, 6050J and
6050P of the Code.

 

(k)          Form
of Monthly Report.      The Servicer shall provide monthly accounting reports to the Purchaser
and Master Servicer, pursuant to Section 6.02 of the Purchase and Servicing Agreement, with the information included in the ASF
RMBS Reporting Package issued by the American Securitization Forum on July 15, 2009, as revised from time to time, to the extent
available.

 

(l)          Avoidance
of Consolidation.

 

(i)          An
additional “Event of Default” shall be listed in Section 10.01, to be inserted after clause (10), to read in its entirety
as follows:

 

or (11)
the purchase or holding of any securities issued in a Securitization Transaction by any Servicer that is an insured depository
institution, as such term is defined in the Federal Deposit Insurance Act (an “insured depository institution”) (any
Servicer that is an insured depository institution, an “IDI Servicer”) such that the IDI Servicer is required to consolidate
any of the Mortgage Loans on its financial statements under U.S. generally accepted accounting principles;

 

    	18

    	 

    

 

(ii)          The
following Section 9.05 shall be inserted after Section 9.04, to read in its entirety as follows:

 

Section 9.05    Avoidance
of Consolidation.

 

(a)          Each
IDI Servicer hereby covenants and agrees that it shall not hold or purchase any certificate (a “Certificate”) issued
by the trust created by the Pooling and Servicing Agreement referred to herein (the “Trust”) as part of the initial
offering of Certificates or if its holding or purchase of such Certificate (or interest therein) would cause such IDI Servicer
to be required to consolidate any assets of the issuing entity on its financial statements under U.S. generally accepted accounting
principles (“Consolidate” or “Consolidation”). Any IDI 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 such IDI Servicer to be required to Consolidate any assets of the issuing entity on its financial
statements.

 

			If an IDI 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 an IDI Servicer holds or purchases a Certificate (or interest therein) in violation of the restrictions in this Section 9.05
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 IDI 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 IDI Servicer. The terms and conditions of any sale under this Section 9.05 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 IDI Servicer shall indemnify and hold harmless the Depositor
and the Trust from and against any and all losses, liabilities, claims, costs or expenses incurred by such parties as a result
of such holding or purchase resulting in a Consolidation.

 

    	19

    	 

    

 

			(b)          The Servicer covenants and agrees
that it shall not transfer its servicing rights and duties under this Agreement to an insured depository institution (an insured
depository institution in such capacity, a “servicer transferee”) unless the Servicer shall have received a representation
from the servicer transferee that the acquisition of such servicing rights and duties will not cause the servicer transferee to
be required to Consolidate any assets of the Trust on its financial statements. Any servicer transferee shall be deemed to have
represented by virtue of its acquisition of such servicing rights and duties that such acquisition will not cause Consolidation.
Any servicer transferee whose acquisition of such servicing rights and duties was effected in violation of the restrictions in
this Section 9.05 shall indemnify and hold harmless the Servicer, the Depositor and the Trust from and against any and all losses,
liabilities, claims, costs or expenses incurred by such parties as a result of such acquisition.

 

(m)          The
Designated Guidelines attached as Exhibit 1.01 are hereby removed from the Purchase and Servicing Agreement and the reference to
Designated Guidelines in the Table of Contents shall be replaced with “[Reserved.]”

 

(n)          The
first sentence of Section 5.14 is hereby deleted and replaced in its entirety with the following:

 

If title to
any Mortgaged Property is acquired in foreclosure or by deed in lieu of foreclosure (each, an “REO Property”), the
deed or certificate of sale shall be taken in the name of the Trust, where permitted by applicable law or regulation, and where
not so permitted, in the name of the trustee of the Trust or its nominee.

 

(o)          Servicer
Reports. The Servicer shall provide monthly reports to the Purchaser pursuant to Section 6.02 in the formats attached hereto
as Exhibits 13 and 14, or in such other format as the Servicer, the Purchaser and the Depositor shall agree in writing.

 

(p)          Indemnification
Expenses. The second sentence of Section 9.01 is hereby deleted and replaced in its entirety with the following:

 

The Seller
or Servicer, as the case may be, shall immediately (i) notify the Purchaser if a claim is made by a third party with respect to
this Agreement, any Mortgage Loan and/or any REO Property (ii) assume the defense of any such claim and pay all expenses in connection
therewith, including attorneys’ fees, and (iii) promptly pay, discharge and satisfy any judgment, award, or decree that may
be entered against it or the Purchaser in respect of such claim.

 

(q)          Broker’s
Price Opinion. If, in accordance with the Pooling and Servicing Agreement, the Trustee has received notice that any governmental
entity intends to acquire a Mortgage Loan through the exercise of its power of eminent domain, and if there is no longer a Controlling
Holder, the Servicer, promptly upon the request and at the expense of the Trustee, shall obtain a valuation on the related Mortgaged
Property in the form of a broker’s price opinion, and provide the results of such valuation to the Trustee.

 

    	20

    	 

    

 

19.          The
rights under the Purchase and Servicing Agreement assigned to the Depositor and the Assignee pursuant to this Agreement shall be
under the Purchase and Servicing Agreement as amended by this Agreement.

 

Miscellaneous

 

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

 

(a)          In
the case of PHH,

 

PHH Mortgage Corporation

One Mortgage Way

Mount Laurel, New Jersey
08054

Attention: Vice President
Servicing

 

with a copy to

 

PHH Mortgage Corporation

One Mortgage Way

Mount Laurel, New Jersey
08054

Attention: Fred Kinkler,
Assistant General Counsel

 

 

(b)          In
the case of Assignee,

 

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

500 Delaware Avenue,
11th Floor

Wilmington, Delaware,
19801

Attention: Corporate
Trust – Sequoia Mortgage Trust 2013-1

 

(c)          In
the case of Depositor,

 

Sequoia Residential Funding,
Inc.

One Belvedere Place,
Suite 360

Mill Valley, California
94941

Attention: William Moliski

 

    	21

    	 

    

 

with a copy to

 

General Counsel at the
same address

 

(d)          In
the case of Assignor,

 

Redwood Residential Acquisition
Corporation

One Belvedere Place,
Suite 360

Mill Valley, California
94941

Attention: William Moliski

 

with a copy to

 

General Counsel at the
same address

 

(e)          In
the case of the Master Servicer,

 

Wells Fargo Bank,
N.A.

9062 Old Annapolis
Road

Columbia, Maryland
21045

 

Telephone number:
(410) 884-2000

Facsimile number:
(410) 715-2380

Attention: Client
Manager — Sequoia Mortgage Trust 2013-1

 

(f)          In
the case of the Controlling Holder,

 

Sequoia Mortgage Funding
Corporation

One Belvedere Place,
Suite 360

Mill Valley, California
94941

Attention: William Moliski

 

with a copy to

 

General Counsel
at the same address

 

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

 

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

 

    	22

    	 

    

 

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

 

24.          This
Agreement shall survive the conveyance of the Mortgage Loans, the assignment the Purchase and Servicing Agreement by Assignor to
Assignee, and the termination of the Purchase and Servicing Agreement.

 

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

 

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

 

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

 

28.          Master
Servicer. PHH hereby acknowledges that the Assignee has appointed Wells Fargo Bank, N.A. to act as master servicer and securities
administrator under the Pooling and Servicing Agreement and hereby agrees to treat all inquiries, demands, instructions, authorizations
and other communications from the Master Servicer as if the same had been received from the Assignee. The Master Servicer, acting
on behalf of the Assignee, shall have the rights of the Assignee hereunder and the rights of the Assignee as the Purchaser under
the Purchase and Servicing Agreement, including, without limitation, the right to enforce the obligations of the Seller and Servicer
hereunder and thereunder and the right to exercise the remedies of the Purchaser hereunder and thereunder, except to the extent
such rights have been retained by the Assignor under Section 16 hereof.

 

    	23

    	 

    

 

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

 

Wells Fargo Bank, N.A.

San Francisco, California

ABA# 121-000-248

Account #3970771416

Account Name: SAS Clearing

FFC: Account #39107500, Sequoia
Mortgage Trust 2013-1 Distribution Account

 

30.          PHH
acknowledges that the custodian will be Wells Fargo Bank, N.A. acting pursuant to the Custodial Agreement. Requests for Mortgage
Loan Documents under Section 2.04 of the Purchase and Servicing Agreement shall be directed to Wells Fargo Bank, N.A., as custodian,
using the form of Request for Release in the form of Exhibit F hereto. PHH shall provide the Custodian with the specimen signatures
of PHH's authorized servicing representatives using the form in Exhibit D-3 hereto. Notwithstanding Section 2.04 of the Purchase
and Servicing Agreement, PHH shall pay shipping expenses for any Mortgage Loan Documents if there has been a breach of any representation
or warranty made with respect to the related Mortgage Loan in Section 3.03 of the Purchase and Servicing Agreement.

 

31.          Assignor
hereby requests that PHH furnish each Mortgagor with the notice described in Section 2.07 of the Purchase and Servicing Agreement,
in accordance with the terms of Section 2.07 therein, and PHH hereby covenants that it shall furnish each Mortgagor with such notice
as provided therein.

 

32.          PHH
hereby agrees that it shall provide information with respect to the Mortgage Loans or the origination or servicing thereof to any
Rating Agency or nationally recognized statistical rating organization (“NRSRO”) via electronic mail at rmbs17g5informationprovider@wellsfargo.com,
with a subject reference of “SEMT 2013-1” and an identification of the type of information being provided in the body
of such electronic mail. The Securities Administrator, as the initial Rule 17g-5 Information Provider (the “Rule 17g-5 Information
Provider”) shall notify PHH in writing of any change in the identity or contact information of the Rule 17g-5 Information
Provider. PHH shall have no liability for (i) the Rule 17g-5 Information Provider’s failure to post information provided
by it in accordance with the terms of this Agreement or (ii) any malfunction or disabling of the website maintained by the Rule
17g-5 Information Provider. None of the foregoing restrictions in this Section 31 prohibit or restrict oral or written communications,
or providing information, between PHH, on the one hand, and any Rating Agency or NRSRO, on the other hand, with regard to (i) such
Rating Agency’s or NRSRO’s review of the ratings it assigns to PHH, (ii) such Rating Agency’s or NRSRO’s
approval of PHH as a residential mortgage master, special or primary servicer, or (iii) such Rating Agency’s or NRSRO’s
evaluation of PHH’s origination or servicing operations in general; provided, however, that PHH shall not provide any information
relating to the Mortgage Loans to such Rating Agency or NRSRO in connection with such review and evaluation by such Rating Agency
or NRSRO unless: (x) borrower, property or deal specific identifiers are redacted; or (y) such information has already been provided
to the Rule 17g-5 Information Provider.

 

[REMAINDER OF THIS PAGE INTENTIONALLY LEFT
BLANK]

 

    	24

    	 

    

 

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

 

	 	REDWOOD RESIDENTIAL ACQUISITION

 CORPORATION
	 	Assignor
	 	 
	 	By:	/s/ John Isbrandtsen
	 	Name:	John Isbrandtsen
	 	Title:	Authorized Officer

 

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

 

	 	Christiana Trust, a division of

 Wilmington Savings Fund Society, FSB,

    not in its individual capacity but solely as Trustee,
	 	Assignee
	 	 
	 	By:	/s/ Jeffrey R. Everhart
	 	Name:	Jeffrey R. Everhart
	 	Title:	AVP

 

	 	PHH MORTGAGE CORPORATION
	 	 
	 	 
	 	By:	/s/ Allyn Brown
	 	Name:	Allyn Brown
	 	Title:	VP

 

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

 

Signature Page to Assignment, Assumption and Recognition Agreement
– PHH (SEMT 2013-1)

 

    	 

    	 

    

 

 

ATTACHMENT 1

 

MORTGAGE LOAN SCHEDULE

 

    	1

    	 

    

 

 

	 	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	1000200	0.003750	 	 	1000200	Group 1	2000001654	2	1	0
	2	1000200	0.003750	 	 	1000200	Group 1	2000002092	2	1	0
	3	1000200	0.003750	 	 	1000200	Group 1	2000001332	2	1	0
	4	1000200	0.002500	 	 	1000200	Group 2	7116986345	1	1	0
	5	1000200	0.003750	 	 	1000200	Group 1	2000001938	2	1	0
	6	1000200	0.002500	 	 	1000200	Group 2	7116645834	1	1	0
	7	1000200	0.003750	 	 	1000200	Group 1	2000000852	2	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	6	 	 	 	 	 	1	4	0	 
	3	7	 	 	 	 	 	1	4	0	 
	4	7	 	 	 	 	 	1	0	0	 
	5	7	 	 	 	 	 	1	4	0	 
	6	7	 	 	 	 	 	1	4	0	 
	7	7	 	 	 	 	 	1	4	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	 	20111118	518932.00	0.046250	360	360	20120101
	2	 	 	0.00	 	20111123	520000.00	0.043750	360	360	20120101
	3	 	 	0.00	 	20111229	540000.00	0.045000	360	360	20120201
	4	 	 	0.00	 	20121022	1100000.00	0.043750	360	360	20121201
	5	 	 	500000.00	 	20111215	1100000.00	0.042500	360	360	20120201
	6	 	 	0.00	 	20120830	1150000.00	0.041250	360	360	20121001
	7	 	 	0.00	 	20110801	1417500.00	0.046250	360	360	20111001

 

	 	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	 	488502.88	0.046250	1882.77	20130101	0	39
	2	1	0	0	 	510692.17	0.043750	2596.28	20130101	0	39
	3	1	0	0	 	531238.04	0.045000	2736.10	20130101	0	39
	4	1	0	0	 	1097031.15	0.043750	5492.14	20130101	0	 
	5	1	120	0	 	1100000.00	0.042500	3895.83	20130101	0	39
	6	1	0	0	 	1141670.37	0.041250	5573.47	20130101	0	 
	7	1	0	0	 	1372651.61	0.046250	7287.93	20130101	0	39

 

	 	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	0.022500	3	0.001250	120	0.050000	0.050000	12	0.020000	0.020000
	2	45	0.022500	3	0.001250	120	0.050000	0.050000	12	0.020000	0.020000
	3	45	0.022500	3	0.001250	120	0.050000	0.050000	12	0.020000	0.020000
	4	 	 	 	 	 	 	 	 	 	 
	5	45	0.022500	3	0.001250	120	0.050000	0.050000	12	0.020000	0.020000
	6	 	 	 	 	 	 	 	 	 	 
	7	45	0.022500	3	0.001250	120	0.050000	0.050000	12	0.020000	0.020000

 

	 	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	0.096250	0.022500	 	 	 	 	 	 	 	 
	2	0.093750	0.022500	 	 	 	 	 	 	 	 
	3	0.095000	0.022500	 	 	 	 	 	 	 	 
	4	 	 	 	 	 	 	 	 	 	 
	5	0.092500	0.022500	 	 	 	 	 	 	 	 
	6	 	 	 	 	 	 	 	 	 	 
	7	0.096250	0.022500	 	 	 	 	 	 	 	 

 

	 	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	 	 	 	 	 	 	 	0	 	293
	2	 	 	 	 	 	 	 	0	 	148
	3	 	 	 	 	 	 	 	0	 	52
	4	 	 	 	 	 	 	 	0	 	412
	5	 	 	 	 	 	 	 	0	 	500
	6	 	 	 	 	 	 	 	0	 	64
	7	 	 	 	 	 	 	 	0	 	103

 

	 	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	 	0	 	1.09	0	9.63	1	20121212	 
	2	1	 	0	 	12.18	 	0	1	20121212	 
	3	2	 	0	 	2.3	 	0	1	20121212	 
	4	3	 	0	 	13.25	 	0	1	 	 
	5	2	 	0	 	6.29	 	0	1	20121212	 
	6	1	 	0	 	9.2	0	0	1	 	 
	7	2	 	0	 	2.1	 	0	1	20121212	 

 

	 	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	 	 	 	 	 	788	706	 	3	 
	2	 	 	 	 	 	745	739	 	3	 
	3	 	 	 	 	 	781	792	 	3	 
	4	 	 	 	 	 	780	 	 	 	 
	5	 	 	 	 	 	738	729	 	3	 
	6	 	 	 	 	 	791	 	 	 	 
	7	 	 	 	 	 	767	790	 	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	 	 

 

	 	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	17813.00	0.00	3263.00	0.00	17813.00	21076.00	0	5	 	3
	2	15831.76	 	0.00	 	15831.76	15831.76	0	5	 	3
	3	23403.93	 	0.00	 	23403.93	23403.93	0	5	 	3
	4	14583.33	0.00	22008.25	0.00	14583.33	36591.58	0	5	 	3
	5	20833.34	 	6458.33	 	20833.34	27291.67	0	5	 	3
	6	44332.00	0.00	-305.00	0.00	44332.00	44027.00	1	5	 	3
	7	21785.71	 	16642.06	 	21785.71	38427.77	0	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	 	4	 	1020355.80	5808.55	0.275600	 	 	 
	2	 	4	 	286666.96	3484.57	0.220100	 	 	100.000000
	3	 	4	 	351738.39	8502.65	0.363300	 	 	100.000000
	4	 	4	 	335754.86	13631.61	0.372534	 	 	100.000000
	5	 	4	 	668674.86	8883.44	0.325500	 	 	70.000000
	6	 	4	 	360471.27	8974.68	0.203845	 	 	100.000000
	7	 	4	 	916337.63	14775.48	0.384500	 	 	100.000000

 

	 	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	CROSS LAKE	MN	56442	1	2	 	1230000.00	3	20110907
	2	FAYETTEVILLE	AR	72703	1	1	650000.00	652000.00	3	20111107
	3	TUXEDO	NY	10987	1	1	675000.00	675000.00	3	20110907
	4	ALAMO	CA	94507	1	1	1375000.00	1375000.00	3	20121005
	5	OLD GREENWICH	CT	06870	7	1	2750000.00	2800000.00	3	20111024
	6	CHICAGO	IL	60611	4	1	1575000.00	1575000.00	3	20120718
	7	SHORT HILLS	NJ	07078	1	1	1890000.00	1890000.00	3	20110429

 

	 	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	 	 	 	 	 	 	 	0.421800	0.421800	0	0	0
	2	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	3	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	4	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	5	 	 	 	 	 	 	 	0.581800	0.400000	0	0	0
	6	 	 	 	 	 	 	 	0.730100	0.730100	0	0	0
	7	 	 	 	 	 	 	 	0.750000	0.750000	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	 	 	 	 	 	 	 	 	 	 

 

	 	151	152	153	154	155	156	157	158	159	160
	 	Pre-Modification P&I
 Payment	Pre-Modification
 Initial Interest Rate
 Change Downward
 Cap	Pre-Modification
 Subsequent Interest
 Rate Cap	Pre-Modification
 Next Interest Rate
 Change Date	Pre-Modification I/O
 Term	Forgiven Principal
 Amount	Forgiven Interest
 Amount	Number of
 Modifications	Cash To/From Brrw at Closing	Brrw - Yrs at in Industry
	1	 	 	 	 	 	 	 	 	 	48
	2	 	 	 	 	 	 	 	 	 	12.18
	3	 	 	 	 	 	 	 	 	 	8
	4	 	 	 	 	 	 	 	 	 	14
	5	 	 	 	 	 	 	 	 	 	6.29
	6	 	 	 	 	 	 	 	 	 	24
	7	 	 	 	 	 	 	 	 	 	2.1

 

	 	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	20411201	17813	0	0	0
	2	 	0	20411201	15831.76	0	0	 
	3	 	0	20420101	23403.93	0	0	 
	4	 	0	20421101	14583.33	0	22008.25	0
	5	 	500000	20420101	20833.34	6458.33	0	 
	6	0	0	20420901	44332	0	0	0
	7	 	0	20410901	21785.71	16642.06	0	 

 

	 	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	0	Full	Two Years	Two Months
	2	 	 	Full	Two Years	Two Months
	3	 	 	Full	Two Years	Two Months
	4	0	0	Full	Two Years	Two Months
	5	 	 	Full	Two Years	Two Months
	6	0	0	Full	Two Years	Two Months
	7	 	 	Full	Two Years	Two Months

 

    	 

    	 

    

 

ASF RMBS DISCLOSURE PACKAGE

  

	
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 = Unavailable

	  

    	 

        	 

    

 

 

ATTACHMENT 2

 

PURCHASE AND SERVICING AGREEMENT

  

    	2

    	 

    

 

ATTACHMENT 3

 

ADDITIONAL DEFINED TERMS FROM POOLING
AND SERVICING AGREEMENT

 

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

 

Independent: 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.

 

Liquidation Proceeds: 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 proceeds received in connection with an REO Property.

 

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 that
has been deferred and that does not accrue interest.

 

Servicing Modification:
Any reduction of the Note 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 outstanding 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, default is reasonably foreseeable in accordance with the Purchase and Servicing Agreement.

 

    	3

    	 

    

  

EXHIBIT D-3

  

INITIAL AUTHORIZED REPRESENTATIVES
OF THE SERVICER

  

	Name	 	Title	 	Specimen Signature
	 	 	 	 	 
	 	 	 	 	 
	 	 	 	 	 
	 	 	 	 	 
	 	 	 	 	 
	 	 	 	 	 
	 	 	 	 	 
	 	 	 	 	 
	 	 	 	 	 
	 	 	 	 	 
	 	 	 	 	 
	 	 	 	 	 
	 	 	 	 	 
	 	 	 	 	 
	 	 	 	 	 

  

    	D-3

    	 

    

 

EXHIBIT F

 

REQUEST FOR RELEASE OF DOCUMENTS

 

	To:	Wells Fargo Bank, N.A.	Date:  _______________
	 	751 Kasota Avenue	 
	 	Minneapolis, MN  55414	 
	 	Attn:  WFDC Release Department.	 

 

		Re:	Custodial Agreement, dated as of January 1, 2013, among Christiana Trust, a division of Wilmington Savings Fund Society, FSB,
as Trustee, Wells Fargo Bank, N.A., as Custodian, Sequoia Residential Funding, Inc., as Depositor, and Redwood Residential Acquisition
Corporation, as Seller

 

In connection with the administration
of the Mortgage Loans held by you as Custodian for the Trustee pursuant to the above-captioned Custodial Agreement, we request
the release of the Custodian’s Mortgage File for the Mortgage Loan described below, for the reason indicated.

  

	Mortgage Loan Number:	 	Investor Number:
	 	 	 
	Mortgagor Name, Address & Zip Code:	 	Pool Number:

  

Reason for Requesting Documents (check one):

 

	_______ 1. Mortgage Paid in Full	 
	 	 
	_______ 2. Foreclosure	 
	 	 
	_______ 3.  Substitution	 
	 	 
	_______  4. Other Liquidation	 
	 	 
	_______ 5. Non-liquidation	Reason:__________________
	 	 
	 	For CMI Use Only:_____________

 

	By:	 	 
	 	(Authorized Signature)	 

 

	Printed Name	 	 
	 	 	 
	Servicer Name:	PHH Mortgage Corporation	 
	 	 	 
	Ship To Address:	One Mortgage Way	 
	 	 	 
	 	Mount Laurel, NJ  08054	 

 

    	F-1

    	 

    

 

	Phone:	 	 

 

Custodian

 

Please acknowledge the execution of the above request by
your signature and date below:

 

	 	 	Date
	Signature	 	 
	 	 	 
	Documents returned to Custodian:	 	 
	 	 	 
	 	 	Date
	Custodian	 	 

 

    	F-2

    	 

    

 

EXHIBIT 13

 

FORM OF MONTHLY LOSS REPORT

 

Exhibit
: Calculation of Realized Loss/Gain Form 332– Instruction Sheet

NOTE: Do not net or combine items. Show all expenses
individually and all credits as separate line items. Claim packages are due on the remittance report date. Late submissions may
result in claims not being passed until the following month. The Servicer is responsible to remit all funds pending loss approval
and /or resolution of any disputed items. 

  

The numbers on the 332 form correspond
with the numbers listed below.

 

Liquidation and Acquisition Expenses:

		1.	The Actual Unpaid Principal Balance of the Mortgage Loan. For documentation, an Amortization Schedule from date of default
through liquidation breaking out the net interest and servicing fees advanced is required.

 

 

 

		2.	The Total Interest Due less the aggregate amount of servicing fee that would have been earned if
all delinquent payments had been made as agreed. For documentation, an Amortization Schedule from date of default through liquidation
breaking out the net interest and servicing fees advanced is required.

		3.	Accrued Servicing Fees based upon the Scheduled Principal Balance of the Mortgage Loan as calculated
on a monthly basis. For documentation, an Amortization Schedule from date of default through liquidation breaking out the net interest
and servicing fees advanced is required.

		4-12.	Complete as applicable. Required documentation:

* For taxes
and insurance advances – see page 2 of 332 form - breakdown required showing period of coverage, base tax, interest, penalty.
Advances prior to default require evidence of servicer efforts to recover advances.

* For escrow
advances - complete payment history (to calculate advances from last positive escrow balance forward)

* Other expenses
-  copies of corporate advance history showing all payments

* REO repairs
> $1500 require explanation

* REO repairs
>$3000 require evidence of at least 2 bids.

* Short Sale
or Charge Off require P&L supporting the decision and WFB’s approved Officer Certificate

* Unusual
or extraordinary items may require further documentation.

		13.	The total of lines 1 through 12.

Credits: 

 

		14-21.	Complete as applicable. Required documentation:

* Copy of
the HUD 1 from the REO sale. If a 3rd Party Sale, bid instructions and Escrow Agent / Attorney

Letter of
Proceeds Breakdown.

* Copy of
EOB for any MI or gov't guarantee

* All other
credits need to be clearly defined on the 332 form            

 

    	 

    	 

    

 

		22.	The total of lines 14 through 21.

  

		Please Note:	For
                                                                                               HUD/VA loans, use line (18a) for
                                                                                               Part A/Initial proceeds and line
                                                                                               (18b) for Part B/Supplemental proceeds.

  

Total Realized Loss (or Amount
of Any Gain)

		23.	The total derived from subtracting line 22 from 13. If the amount
represents a realized gain, show the amount in parenthesis ( ).

	 

  

    	 

    	 

    

 

	Exhibit 3A: Calculation of Realized Loss/Gain
    Form 332

 

	Prepared by: _________________	Date:  _____________________
	Phone:  _____________________	Email Address: ______________

	
        Servicer Loan No.

         
	 	
        Servicer Name

         
	 	
        Servicer Address

         

         

  

	WELLS FARGO BANK, N.A. Loan No.	 

  

	Borrower's Name:	 
	Property Address:	 

  

	Liquidation Type:  REO Sale	3rd Party Sale	Short Sale	Charge Off

  

	Was this loan granted a Bankruptcy deficiency or cramdown	Yes	No

	If “Yes”, provide deficiency or cramdown amount	 

  

	Liquidation and Acquisition Expenses:	 	 	 	 
	 	 	 	 	 	 	 
	(1)	 	Actual Unpaid Principal Balance of Mortgage Loan	 	$	 	 
	 	 	(1)	 	 	 	 
	(2)	 	Interest accrued at Net Rate	 	 	 	 
	 	 	(2)	 	 	 	 
	(3)	 	Accrued Servicing Fees	 	 	 	 
	 	 	(3)	 	 	 	 
	(4)	 	Attorney's Fees	 	 	 	 
	 	 	(4)	 	 	 	 
	(5)	 	Taxes (see page 2)	 	 	 	 
	 	 	(5)	 	 	 	 
	(6)	 	Property Maintenance	 	 	 	 
	 	 	(6)	 	 	 	 
	(7)	 	MI/Hazard Insurance Premiums (see page 2)	 	 	 	 
	 	 	(7)	 	 	 	 
	(8)	 	Utility Expenses	 	 	 	 
	 	 	(8)	 	 	 	 
	(9)	 	Appraisal/BPO	 	 	 	 
	 	 	(9)	 	 	 	 
	(10)	 	Property Inspections	 	 	 	 
	 	 	(10)	 	 	 	 
	(11)	 	FC Costs/Other Legal Expenses	 	 	 	 
	 	 	(11)	 	 	 	 
	(12)	 	Other (itemize)	 	 	 	 
	 	 	(12)	 	 	 	 
	 	 	Cash for Keys__________________________	 	 	 	 
	 	 	(12)	 	 	 	 

  

    	 

    	 

    

  

	 	 	HOA/Condo Fees_______________________	 	 	 	 
	 	 	(12)	 	 	 	 
	 	 	______________________________________	 	 	 	 
	 	 	(12)	 	 	 	 
	 	 	 	 	 	 	 
	 	 	Total Expenses	 	$	 	 
	 	 	(13)	 	 	 	 
	Credits:	 	 	 	 	 	 
	(14)	 	Escrow Balance	 	$	 	 
	 	 	(14)	 	 	 	 
	(15)	 	HIP Refund	 	 	 	 
	 	 	(15)	 	 	 	 
	(16)	 	Rental Receipts	 	 	 	 
	 	 	(16)	 	 	 	 
	(17)	 	Hazard Loss Proceeds	 	 	 	 
	 	 	(17)	 	 	 	 
	(18)	 	Primary Mortgage Insurance / Gov’t Insurance	 	 	 	 
	 	 	(18a) HUD Part A	 	 	 	 
	 	 	 	 	 	 	 
	(18b)	 	HUD Part B	 	 	 	 
	(19)	 	Pool Insurance Proceeds	 	 	 	 
	 	 	(19)	 	 	 	 
	(20)	 	Proceeds from Sale of Acquired Property	 	 	 	 
	 	 	(20)	 	 	 	 
	(21)	 	Other (itemize)	 	 	 	 
	 	 	(21)	 	 	 	 
	 	 	_________________________________________	 	 	 	 
	 	 	(21)	 	 	 	 
	 	 	 	 	 	 	 
	 	 	Total Credits	 	$	 	 
	 	 	(22)	 	 	 	 
	Total Realized Loss (or Amount of Gain)	 	$	 	 
	 	 	(23)	 	 	 	 

    	 

    	 

    

 

Escrow Disbursement Detail

 

	
        Type

        (Tax /

Ins.)
	Date

 Paid	Period of

 Coverage	Total Paid	Base 

Amount	Penalties	Interest
	 	

 	 	 	 	 	 
	 	

 	 	 	 	 	 
	 	

 	 	 	 	 	 
	 	

 	 	 	 	 	 
	 	

 	 	 	 	 	 
	 	

 	 	 	 	 	 
	 	

 	 	 	 	 	 
	 	

 	 	 	 	 	 

  

    	 

    	 

    

 

EXHIBIT 14

 

FORM OF DELINQUENCY REPORTING

 

Exhibit
: Standard File Layout – Delinquency Reporting

 

 *The column/header names in bold
are the minimum fields Wells Fargo must receive from every Servicer

	Column/Header
    Name	Description	Decimal	Format

    Comment
	SERVICER_LOAN_NBR	A
        unique number assigned to a loan by the Servicer.

        This may be different than the LOAN_NBR

         
	 	 
	LOAN_NBR	A
        unique identifier assigned to each loan by the

 originator.

         
	 	 
	CLIENT_NBR	Servicer
        Client Number

         
	 	 
	SERV_INVESTOR_NBR	Contains
        a unique number as assigned by an

        external servicer to identify a group of loans in

 their system.

         
	 	 
	BORROWER_FIRST_NAME	First
        Name of the Borrower.

         
	 	 
	BORROWER_LAST_NAME	Last
        name of the borrower.

         
	 	 
	PROP_ADDRESS	Street
        Name and Number of Property

         
	 	 
	PROP_STATE	The
        state where the property located.

         
	 	 
	PROP_ZIP	Zip
        code where the property is located.

         
	 	 
	BORR_NEXT_PAY_DUE_DATE	The
        date that the borrower's next payment is due 

        To
        the servicer at the end of processing cycle, as

        reported by Servicer.

         
	 	MM/DD/YYYY
	LOAN_TYPE	Loan
        Type (i.e. FHA, VA, Conv)

         
	 	 
	BANKRUPTCY_FILED_DATE	The
        date a particular bankruptcy claim was filed.

         
	 	MM/DD/YYYY
	BANKRUPTCY_CHAPTER_CODE	The
        chapter under which the bankruptcy was filed.

         
	 	 
	BANKRUPTCY_CASE_NBR	The
        case number assigned by the court to the

 bankruptcy filing.

         
	 	 
	POST_PETITION_DUE_DATE	The
        payment due date once the bankruptcy has

 been approved by the courts

         
	 	MM/DD/YYYY
	BANKRUPTCY_DCHRG_DISM_DATE	The
        Date The Loan Is Removed From Bankruptcy.

        Either
        by Dismissal, Discharged and/or a Motion For

 Relief Was Granted.

         
	 	MM/DD/YYYY
	LOSS_MIT_APPR_DATE	The
        Date The Loss Mitigation Was Approved By The

 Servicer

         
	 	MM/DD/YYYY
	LOSS_MIT_TYPE	The
        Type Of Loss Mitigation Approved For A Loan

 Such As;

         
	 	 

 

    	 

    	 

    

 

	Column/Header
    Name	Description	Decimal	Format

    Comment
	LOSS_MIT_EST_COMP_DATE	The
        Date The Loss Mitigation /Plan Is Scheduled To End/Close

         
	 	MM/DD/YYYY
	LOSS_MIT_ACT_COMP_DATE	The
        Date The Loss Mitigation Is Actually Completed

         
	 	MM/DD/YYYY
	FRCLSR_APPROVED_DATE	The
        date DA Admin sends a letter to the servicer

        with instructions to begin foreclosure proceedings.

         
	 	MM/DD/YYYY
	ATTORNEY_REFERRAL_DATE	Date
        File Was Referred To Attorney to Pursue Foreclosure

         
	 	MM/DD/YYYY
	FIRST_LEGAL_DATE	Notice
        of 1st legal filed by an Attorney in a Foreclosure Action

         
	 	MM/DD/YYYY
	FRCLSR_SALE_EXPECTED_DATE	The
        date by which a foreclosure sale is expected to occur.

         
	 	MM/DD/YYYY
	FRCLSR_SALE_DATE	The
        actual date of the foreclosure sale.

         
	 	MM/DD/YYYY
	FRCLSR_SALE_AMT	The
        amount a property sold for at the foreclosure sale.

         
	2	No
        commas(,)

        or dollar

        signs ($)

         

	EVICTION_START_DATE	The
        date the servicer initiates eviction of the borrower.

         
	 	MM/DD/YYYY
	EVICTION_COMPLETED_DATE	The
        date the court revokes legal possession of the property from the borrower.

         
	 	MM/DD/YYYY
	LIST_PRICE	The
        price at which an REO property is marketed.

         
	2	No
        commas(,)

        or dollar

        signs ($)

         

	LIST_DATE	The
        date an REO property is listed at a particular price.

         
	 	MM/DD/YYYY
	OFFER_AMT	The
        dollar value of an offer for an REO property.

         
	2	No
        commas(,)

        or dollar

        signs ($)

         

	OFFER_DATE_TIME	The
        date an offer is received by DA Admin or by the Servicer.

         
	 	MM/DD/YYYY
	REO_CLOSING_DATE	The
        date the REO sale of the property is scheduled to close.

         
	 	MM/DD/YYYY
	REO_ACTUAL_CLOSING_DATE	Actual
        Date Of REO Sale

         
	 	MM/DD/YYYY
	OCCUPANT_CODE	Classification
        of how the property is occupied.

         
	 	 
	PROP_CONDITION_CODE	A
        code that indicates the condition of the property.

         
	 	 
	PROP_INSPECTION_DATE	The
        date a property inspection is performed.

         
	 	MM/DD/YYYY
	APPRAISAL_DATE	The
        date the appraisal was done.

         
	 	MM/DD/YYYY

 

    	 

    	 

    

 

	Column/Header
    Name	Description	Decimal	Format

    Comment
	CURR_PROP_VAL	The
        current "as is" value of the property based on

        brokers price opinion or appraisal.

         
	2	 
	REPAIRED_PROP_VAL	The
        amount the property would be worth if repairs

        are
        completed pursuant to a broker's price opinion or appraisal.

         
	2	 
	If
    applicable:	 

         
	 	 
	DELINQ_STATUS_CODE	FNMA
        Code Describing Status of Loan

         
	 	 
	DELINQ_REASON_CODE	The
        circumstances which caused a borrower to

        stop
        paying on a loan. Code indicates the reason

        why
        the loan is in default for this cycle.

         
	 	 
	MI_CLAIM_FILED_DATE	Date
        Mortgage Insurance Claim Was Filed With Mortgage Insurance Company.

         
	 	MM/DD/YYYY
	MI_CLAIM_AMT	Amount
        of Mortgage Insurance Claim Filed

         
	 	No
        commas(,)

        or dollar

        signs ($)

         

	MI_CLAIM_PAID_DATE	Date
        Mortgage Insurance Company Disbursed Claim Payment

         
	 	MM/DD/YYYY
	MI_CLAIM_AMT_PAID	Amount
        Mortgage Insurance Company Paid On Claim

         
	2	No
        commas(,)

        or dollar

        signs ($)

         

	POOL_CLAIM_FILED_DATE	Date
        Claim Was Filed With Pool Insurance Company

         
	 	MM/DD/YYYY
	POOL_CLAIM_AMT	Amount
        of Claim Filed With Pool Insurance Company

         
	2	No
        commas(,)

        or dollar

        signs
        ($)

         

	POOL_CLAIM_PAID_DATE	Date
        Claim Was Settled and The Check Was Issued By The Pool Insurer

         
	 	MM/DD/YYYY
	POOL_CLAIM_AMT_PAID	Amount
        Paid On Claim By Pool Insurance Company

         
	2	No
    commas(,) or dollar signs ($)
	FHA_PART_A_CLAIM_FILED_DATE	Date
        FHA Part A Claim Was Filed With HUD

         
	 	MM/DD/YYYY
	FHA_PART_A_CLAIM_AMT	Amount
        of FHA Part A Claim Filed

         
	2	No
        commas(,)

        or dollar

        signs ($)

         

	FHA_PART_A_CLAIM_PAID_DATE	Date
        HUD Disbursed Part A Claim Payment

         
	 	MM/DD/YYYY
	FHA_PART_A_CLAIM_PAID_AMT	Amount
        HUD Paid on Part A Claim

         
	2	No
        commas(,)

        or dollar

        signs
        ($)

         

	FHA_PART_B_CLAIM_FILED_DATE	Date
        FHA Part B Claim Was Filed With HUD

         
	 	MM/DD/YYYY
	FHA_PART_B_CLAIM_AMT	Amount
        of FHA Part B Claim Filed

         
	2	No
        commas(,)

        or
        dollar

        signs
        ($)

         

 

    	 

    	 

    

 

	Column/Header
    Name	Description	Decimal	Format

    Comment
	FHA_PART_B_CLAIM_PAID_DATE	Date
        HUD Disbursed Part B Claim Payment

         
	 	MM/DD/YYYY
	FHA_PART_B_CLAIM_PAID_AMT	Amount
        HUD Paid on Part B Claim

         
	2	No
        commas(,) 

        Or
        dollar

        signs ($)

         

	VA_CLAIM_FILED_DATE	Date
    VA Claim Was Filed With the Veterans Admin	 	MM/DD/YYYY

         

	VA_CLAIM_PAID_DATE	Date
    Veterans Admin. Disbursed VA Claim Payment	 	MM/DD/YYYY

         

	VA_CLAIM_PAID_AMT	Amount
    Veterans Admin. Paid on VA Claim	2	No
        commas(,)

        or dollar

        signs ($)

         

	MOTION_FOR_RELIEF_DATE	The date
    the Motion for Relief was filed	10	MM/DD/YYYY

         

	FRCLSR_BID_AMT	The foreclosure
    sale bid amount	11	No commas(,)

        or dollar signs

        ($)

         

	FRCLSR_SALE_TYPE	The foreclosure sales
        results: REO, Third Party, Conveyance to HUD/VA

         
	 	 
	REO_PROCEEDS	The net proceeds
    from the sale of the REO property. 	 	No commas(,)

    or dollar signs
 ($)
	BPO_DATE	The date
    the BPO was done.	 	 
	CURRENT_FICO	The current
    FICO score	 	 
	HAZARD_CLAIM_FILED_DATE	The date the Hazard Claim
        was filed with the Hazard Insurance Company.

         
	10	MM/DD/YYYY
	HAZARD_CLAIM_AMT	The amount
    of the Hazard Insurance Claim filed.	11	No commas(,)

    or dollar signs
 ($)
	HAZARD_CLAIM_PAID_DATE	The date the Hazard Insurance
        Company disbursed the claim payment.

         
	10	MM/DD/YYYY
	HAZARD_CLAIM_PAID_AMT	The amount
    the Hazard Insurance Company paid on the claim.	11	No commas(,)

    or dollar signs 
 ($)
	ACTION_CODE	Indicates
    loan status	 	Number
	NOD_DATE	 	 	MM/DD/YYYY
	NOI_DATE	 	 	MM/DD/YYYY
	ACTUAL_PAYMENT_PLAN_START_DATE	 	 	MM/DD/YYYY
	ACTUAL_PAYMENT_
    PLAN_END_DATE	 	 	 
	ACTUAL_REO_START_DATE	 	 	MM/DD/YYYY
	REO_SALES_PRICE	 	 	Number
	REALIZED_LOSS/GAIN	As defined
    in the Servicing Agreement	 	Number

 

	 

 

    	 

    	 

    

 

	Exhibit 2: Standard File Codes – Delinquency
    Reporting

 

The Loss Mit Type field should show the approved
Loss Mitigation Code as follows:

		·	ASUM-  Approved
Assumption

		·	BAP-     Borrower
Assistance Program

		·	CO-
       Charge Off

		·	DIL-
      Deed-in-Lieu

		·	FFA-
     Formal Forbearance Agreement

		·	MOD-
   Loan Modification

		·	PRE-
     Pre-Sale

		·	SS-
       Short Sale

		·	MISC- Anything
else approved by the PMI or Pool Insurer

 

NOTE: Wells Fargo Bank will accept alternative
Loss Mitigation Types to those above, provided that they are consistent with industry standards. If Loss Mitigation Types other
than those above are used, the Servicer must supply Wells Fargo Bank with a description of each of the Loss Mitigation Types prior
to sending the file.

 

The Occupant Code field should show the current
status of the property code as follows:

		·	Mortgagor

		·	Tenant

		·	Unknown 

		·	Vacant

 

The Property Condition field should show the last
reported condition of the property as follows:

		·	Damaged

		·	Excellent

		·	Fair

		·	Gone

		·	Good

		·	Poor

		·	Special Hazard

		·	Unknown

 

    	 

    	 

    

 

Exhibit
2: Standard File Codes – Delinquency Reporting, Continued

 

The FNMA Delinquent Reason Code field should show
the Reason for Delinquency as follows:

 

	Delinquency

 Code	Delinquency Description
	001	FNMA-Death of principal mortgagor
	002	FNMA-Illness of principal mortgagor
	003	FNMA-Illness of mortgagor’s family member
	004	FNMA-Death of mortgagor’s family member
	005	FNMA-Marital difficulties
	006	FNMA-Curtailment of income
	007	FNMA-Excessive Obligation
	008	FNMA-Abandonment of property
	009	FNMA-Distant employee transfer
	011	FNMA-Property problem
	012	FNMA-Inability to sell property
	013	FNMA-Inability to rent property
	014	FNMA-Military Service
	015	FNMA-Other
	016	FNMA-Unemployment
	017	FNMA-Business failure
	019	FNMA-Casualty loss
	022	FNMA-Energy environment costs
	023	FNMA-Servicing problems
	026	FNMA-Payment adjustment
	027	FNMA-Payment dispute
	029	FNMA-Transfer of ownership pending
	030	FNMA-Fraud
	031	FNMA-Unable to contact borrower
	INC	FNMA-Incarceration

 

    	 

    	 

    

 

Exhibit
2: Standard File Codes – Delinquency Reporting, Continued

 

The FNMA Delinquent Status Code field should show
the Status of Default as follows:

 

	Status Code	Status Description
	09	Forbearance
	17	Pre-foreclosure Sale Closing Plan Accepted
	24	Government Seizure
	26	Refinance
	27	Assumption
	28	Modification
	29	Charge-Off
	30	Third Party Sale
	31	Probate
	32	Military Indulgence
	43	Foreclosure Started
	44	Deed-in-Lieu Started
	49	Assignment Completed
	61	Second Lien Considerations
	62	Veteran’s Affairs-No Bid
	63	Veteran’s Affairs-Refund
	64	Veteran’s Affairs-Buydown
	65	Chapter 7 Bankruptcy
	66	Chapter 11 Bankruptcy
	67	Chapter 13 BankruptcyEXHIBIT 10.9

 

ASSIGNMENT, ASSUMPTION AND RECOGNITION
AGREEMENT

 

THIS
ASSIGNMENT, ASSUMPTION AND RECOGNITION AGREEMENT, dated as of January 15, 2013 (the “Assignment”), is entered into
by and among Redwood Residential Acquisition Corporation (the “Assignor” and, solely in its capacity as servicing administrator
described herein, the “Servicing Administrator”), Sequoia Residential Funding, Inc. (the “Depositor”),
Cenlar FSB, as the servicer (the “Servicer”), and Christiana Trust, a division of Wilmington Savings Fund Society,
FSB, a federal savings bank, not in its individual capacity but solely as trustee (in such capacity, the “Trustee”
and as referred to herein, the “Assignee”) under a Pooling and Servicing Agreement dated as of January 1, 2013 (the
“Pooling and Servicing Agreement”) among the Depositor, the Assignee and Wells Fargo Bank, N.A., as master servicer
and securities administrator.

RECITALS

 

WHEREAS, the Assignor
and the Servicer have entered into a certain Flow Mortgage Loan Servicing Agreement, dated as of August 1, 2011, as amended by
the Amendment No. 1 to Flow Mortgage Loan Servicing Agreement dated November 3, 2011, and hereby (the “Flow Servicing Agreement”),
and the Servicer is currently servicing certain mortgage loans (the “Mortgage Loans”) under the Flow Servicing Agreement;
and

 

WHEREAS, the Assignor
will sell the Mortgage Loans (the “Specified Mortgage Loans”) that are listed on the mortgage loan schedule attached
as Exhibit I hereto (the “Specified Mortgage Loan Schedule”) and its rights under the Flow Servicing Agreement
with respect to the Specified Mortgage Loans to the Depositor; and

 

WHEREAS, the Depositor
will sell to the Assignee all of its right, title and interest in the Specified Mortgage Loans and its rights under the Flow Servicing
Agreement with respect to the Specified Mortgage Loans; and

 

WHEREAS, the parties
hereto have agreed that the Specified Mortgage Loans shall be subject to the terms of this Assignment.

 

NOW, THEREFORE, in
consideration of the mutual promises contained herein and other good and valuable consideration (the receipt and sufficiency of
which are hereby acknowledged), the parties agree as follows:

 

		1.	Assignment and Assumption.

 

(a)          Effective
on and as of the date hereof, the Assignor hereby sells, assigns, conveys and transfers to the Depositor all of its right, title
and interest in, to and under the Flow Servicing Agreement to the extent relating to the Specified Mortgage Loans, together with
its obligations as “Owner” (as such term is defined in the Flow Servicing Agreement) to the extent relating to the
Specified Mortgage Loans, and the Depositor hereby accepts such assignment from the Assignor and assumes such obligations.

 

    	 

    	 

    

 

(b)          Effective
on and as of the date hereof, the Depositor hereby sells, assigns, conveys and transfers to the Assignee all of its right, title
and interest in, to and under the Flow Servicing Agreement to the extent relating to the Specified Mortgage Loans, together with
its obligations as “Owner” (as such term is defined in the Flow Servicing Agreement) to the extent relating to the
Specified Mortgage Loans, the Depositor is released from all obligations under the Flow Servicing Agreement, and the Assignee hereby
accepts such assignment from the Depositor.

 

(c)          Assignee
agrees to be bound, as “Owner” (as such term is defined in the Flow Servicing Agreement), by all of the terms, covenants
and conditions of the Flow Servicing Agreement relating to the Specified Mortgage Loans, and from and after the date hereof, Assignee
assumes for the benefit of each of Assignor, Depositor and Servicer all of Assignor’s obligations as Owner thereunder in
respect of the Specified Mortgage Loans, and Assignor is released from such obligations.

 

		2.	Recognition of the Assignee.

 

From and after the
date hereof, subject to Section 3 below, the Servicer shall recognize the Assignee as the holder of the rights and benefits of
the Owner with respect to the Specified Mortgage Loans and the Servicer will service the Specified Mortgage Loans for the Assignee
as if the Assignee and the Servicer had entered into a separate servicing agreement for the servicing of the Specified Mortgage
Loans in the form of the Flow Servicing Agreement with the Assignee as the Owner thereunder, the terms of which Flow Servicing
Agreement are incorporated herein by reference and amended hereby. It is the intention of the parties hereto that this Assignment
will be a separate and distinct agreement, and the entire agreement, between the parties hereto to the extent of the Specified
Mortgage Loans and shall be binding upon and for the benefit of the respective successors and assigns of the parties hereto.

 

		3.	Continuing Rights and Responsibilities.

 

(a) Controlling
Holder Rights. The parties hereto agree and acknowledge that Sequoia Mortgage Funding Corporation, an Affiliate of the Depositor,
in its capacity as the initial Controlling Holder pursuant to the Pooling and Servicing Agreement, and for so long as it is the
Controlling Holder, will assume all of Assignee’s rights and all related responsibilities as Owner under the section of the
Flow Servicing Agreement listed below:

 

			Flow Servicing Agreement:

 

	Section	Matter
	 	 
	11.20	
        Servicer Shall Provide Access
        and Information as

        Reasonably Required.

 

    	 

    	 

    

 

(b)          Notwithstanding
Sections 1 and 2 above, Assignor reserves its rights under, and does not assign to Assignee or Depositor, the ongoing rights
to take action and the responsibilities of the Owner under the Sections of the Flow Servicing Agreement listed below:

 

			Flow Servicing Agreement:

 

	Section	Matter
	 	 
	Addendum I	Regulation AB Compliance Addendum

 

(c)          In
addition, the Servicer agrees to furnish to the Assignor as well as to the Master Servicer copies of reports, notices, statements
and other communications required to be delivered by the Servicer pursuant to any of the sections of the Flow Servicing Agreement
referred to above and under the following sections, at the times therein specified:

 

			Flow Servicing Agreement:

 

	Section	 
	 	 
	11.09	Transfer of Accounts.
	 	 
	11.16	Statements to the Owner.
	 	 
	
        Subsection 2.04

        of Addendum I
	Servicer Compliance Statement.
	 	 
	
        Subsection 2.05

        of Addendum I
	Report on Assessment of Compliance and Attestation.

 

(d)          If
there is no Controlling Holder under the Pooling and Servicing Agreement, then all rights and responsibilities assumed by the
Controlling Holder pursuant to Section 3(a) shall terminate and revert to Assignee. Assignor will provide thirty (30) days notice
to the Servicer of any such termination or a change in the identity of the Controlling Holder of which Assignor has knowledge.

 

(e)          Redwood
Residential Acquisition Corporation, in its capacity as Servicing Administrator under this Assignment, hereby assumes the obligations
of the Owner, as assigned to the Assignee, and the obligations of the Servicing Administrator, under the Sections of the Flow Servicing
Agreement, as amended by this Assignment, listed below:

 

    	 

    	 

    

 

			Flow Servicing Agreement:

 

	Section	
        Matter

         

	
        Clause (i) of the last paragraph
        of Section 11.13

         
	Payment by Servicing Administrator for Opinion of Counsel
	Last sentence of 11.14, with respect to Servicing Advances only	Payment of Servicing Advances to Servicer
	
         

        11.17
	
         

        P&I Advances

         

	 	 
	
        11.25(b)

         

         

         11.25(c)
	
        Funding of P& I Advances,
        including without limitation funding of Prepayment Interest Shortfalls pursuant to the second paragraph of Section 11.15

         

Funding of Servicing Advances

         

        

	14.03	Payment of termination fees to Servicer

 

As compensation for
such assumption of obligations, the Servicing Administrator shall be entitled to receive from payments on the Specified Mortgage
Loans the difference, if any, between the Servicing Fee and the servicing compensation otherwise payable to the Servicer under
the Flow Servicing Agreement. In addition, the Servicing Administrator shall have all the benefits provided to the Servicing Administrator
by Subsection 11.05 of the Flow Servicing Agreement. Any failure of the Servicing Administrator to perform its obligations under
this Section 3(e) shall be an additional Event of Default under the Flow Servicing Agreement, entitling the Assignee to terminate
both the Servicing Administrator and the Servicer in accordance with the terms of the Flow Servicing Agreement.

 

(f)          The
Servicing Administrator may, with the consent of the Master Servicer, exercise the rights of the Owner set forth in Section 13.01
of the Flow Servicing Agreement to terminate the Servicer following the occurrence of an Event of Default with respect to the Servicer.

 

(g)          The
Servicing Administrator may, with the consent of the Master Servicer, exercise the rights of the Owner set forth in Section 14.03
of the Flow Servicing Agreement to terminate the Servicer without cause and transfer servicing.

 

(h)          If
the Servicing Administrator exercises its right to terminate the Servicer pursuant to the foregoing paragraphs (f) or (g), no termination
of the Servicer shall be effective unless the Servicing Administrator shall have appointed a successor Servicer under the Flow
Servicing Agreement approved by the Master Servicer.

 

(i)          No
later than March 1 of each year when any Certificates are outstanding, commencing in March 2013, the Servicing Administrator shall
provide to the Master Servicer its report on assessment of compliance with applicable servicing criteria specified under Item 1122(d)(2)(iii)
of Regulation AB and its compliance statement required under Item 1123 of Regulation AB.

 

    	 

    	 

    

 

 

		4.	Amendment to the Flow Servicing Agreement.

 

The Flow Servicing
Agreement is hereby amended as set forth in Appendix A hereto with respect to the Specified Mortgage Loans. The rights and
obligations under the Flow Servicing Agreement assigned to the Depositor and the Assignee pursuant to this Agreement shall be under
the Flow Servicing Agreement as amended as set forth in Appendix A.

 

		5.	Representations and Warranties.

 

			(a)          Each of the parties hereto represents
and warrants that it is duly and legally authorized to enter into this Assignment.

 

			(b)          Each of the parties hereto represents
and warrants that this Assignment has been duly authorized, executed and delivered by it and (assuming due authorization, execution
and delivery thereof by each of the other parties hereto) constitutes its legal, valid and binding obligation, enforceable against
it in accordance with its terms, except as such enforcement may be limited by bankruptcy, insolvency, reorganization or other similar
laws affecting the enforcement of creditors’ rights generally and by general equitable principles (regardless of whether
such enforcement is considered in a proceeding in equity or at law).

 

		6.	Continuing Effect.

 

Except as contemplated
hereby, the Flow Servicing Agreement shall remain in full force and effect in accordance with their terms. This Assignment constitutes
a Reconstitution Agreement as contemplated in Section 32 of the Flow Servicing Agreement and the Reconstitution Date shall be the
date hereof with respect to the Specified Mortgage Loans listed on Exhibit I on the date hereof.

 

		7.	Governing Law.

 

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

 

    	 

    	 

    

 

		8.	Notices.

 

Any notices or other
communications permitted or required under the Flow Servicing Agreement to be made to the Assignor and Assignee shall be made in
accordance with the terms of the Flow Servicing Agreement and shall be sent to the Assignor and Assignee as follows:

 

Assignor: Redwood
Residential Acquisition Corporation

One Belvedere
Place, Suite 360

Mill
Valley, CA 94941

Attention: William
Moliski

 

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

500
Delaware Avenue, 11th Floor

Wilmington,
Delaware, 19801

Attention: Corporate
Trust – Sequoia Mortgage Trust 2013-1

 

or to such other address
as may hereafter be furnished by the Assignor or Assignee to the other parties in accordance with the provisions of the Flow Servicing
Agreement.

 

		9.	Counterparts.

 

This Assignment may
be executed in counterparts, each of which when so executed shall be deemed to be an original and all of which when taken together
shall constitute one and the same instrument.

 

		10.	Definitions.

 

Any capitalized term
used but not defined in this Assignment has the same meaning as in the Flow Servicing Agreement.

 

		11.	Trustee.

 

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

 

    	 

    	 

    

 

		12.	Master Servicer.

 

The Servicer hereby
acknowledges that Wells Fargo Bank, N.A. (the “Master Servicer”) will act as master servicer and securities administrator
under the Pooling and Servicing Agreement and hereby agrees to treat all inquiries, instructions, authorizations and other communications
from the Master Servicer as if the same had been received from the Assignee. The Master Servicer, acting on behalf of the Assignee,
shall have the rights of the Assignee as the Owner under the Flow Servicing Agreement, including, without limitation, the right
to enforce the obligations of the Servicer and the Servicing Administrator thereunder. Any notices or other communications permitted
or required under the Flow Servicing Agreement to be made to the Assignee shall be made in accordance with the terms of the Flow
Servicing Agreement and shall be sent to the Master Servicer at the following address:

 

Wells Fargo Bank, N. A.

P.O.
Box 98

Columbia,
Maryland 21046

(or, for overnight deliveries, 9062 Old
Annapolis Road, Columbia, Maryland 21045)

Attention: Sequoia Mortgage Trust 2013-1

 

or to such other address
as may hereafter be furnished by the Master Servicer to Servicer. Any such notices or other communications permitted or required
under the Flow Servicing Agreement may be delivered in electronic format unless manual signature is required in which case a hard
copy of such report or communication shall be required.

 

The Servicer shall
make all distributions under the Flow Servicing Agreement, as they relate to the Specified Mortgage Loans, to the Master Servicer
by wire transfer of immediately funds to:

 

Wells Fargo Bank, N.A.

San
Francisco, California

ABA#
121-000-248

Account #3970771416

Account Name: SAS Clearing

FFC: Account #39107500, Sequoia Mortgage Trust
2013-1
 Distribution Account

 

    	 

    	 

    

 

		13.	Rule 17g-5 Compliance.

 

The Servicer hereby
agrees that it shall provide information with respect to the servicing of the Mortgage Loans by the Servicer requested by any Rating
Agency or nationally recognized statistical rating organization (“NRSRO”) to the Securities Administrator, as the initial
Rule 17g-5 Information Provider (the “Rule 17g-5 Information Provider”), via electronic mail at rmbs17g5informationprovider@wellsfargo.com,
with a subject reference of “SEMT 2013-1” and an identification of the type of information being provided in the body
of such electronic mail. The Rule 17g-5 Information Provider shall notify the Servicer in writing of any change in the identity
or contact information of the Rule 17g-5 Information Provider. The Servicer shall have no liability for (i) the Rule 17g-5 Information
Provider’s failure to post information provided by it in accordance with the terms of this Assignment or (ii) any malfunction
or disabling of the website maintained by the Rule 17g-5 Information Provider. None of the foregoing restrictions in this Section
13 prohibit or restrict oral or written communications, or providing information, between the Servicer, on the one hand, and any
Rating Agency or NRSRO, on the other hand, with regard to (i) such Rating Agency’s or NRSRO’s review of the ratings
it assigns to the Servicer, (ii) such Rating Agency’s or NRSRO’s approval of the Servicer as a residential mortgage
master, special or primary servicer, or (iii) such Rating Agency’s or NRSRO’s evaluation of the Servicer’s servicing
operations in general; provided, however, that the Servicer shall not provide any information relating to the Mortgage Loans
to such Rating Agency or NRSRO in connection with such review and evaluation by such Rating Agency or NRSRO unless: (x) borrower,
property or deal specific identifiers are redacted; or (y) such information has already been provided to the Rule 17g-5 Information
Provider.

 

		14.	Successors and Assigns.

 

Upon a transfer of
the Specified Mortgage Loans by the Assignee (other than in respect of repurchases by a seller pursuant to the related purchase
agreement) to a buyer (“buyer”), such transfer shall constitute a Reconstitution subject to the terms of Section 32
of the Flow Servicing Agreement. Upon the closing of such transfer, the rights and obligations of Owner held by the Assignor pursuant
to this Assignment shall automatically terminate and the buyer shall possess all of the rights and obligations of Owner under the
Flow Servicing Agreement, provided, however, that the Assignor shall remain liable for any obligations held by it as Owner
arising from or attributable to the period from the date hereof to the closing date of such transfer.

 

[remainder of page intentionally
left blank]

 

    	 

    	 

    

 

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

 

	 	ASSIGNOR:
	 	 
	 	REDWOOD RESIDENTIAL ACQUISITION

 CORPORATION
	 	 
	 	By:	/s/ John Isbrandtsen
	 	 
	 	Name:	John Isbrandtsen
	 	 
	 	Title:	Authorized Officer

 

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

 

	 	ASSIGNEE:
	 	 
	 	Christiana Trust, a division of

 Wilmington Savings Fund

 Society, FSB, not in its individual

 capacity but solely as Trustee
	 	 
	 	By:	/s/ Jeffrey R. Everhart
	 	 
	 	Name:	Jeffrey R. Everhart
	 	 
	 	Title:	AVP

 

	 	SERVICER:
	 	 
	 	CENLAR FSB
	 	 
	 	By:	/s/ Gregory S. Tornquist
	 	 
	 	Name:	Gregory S. Tornquist
	 	 
	 	Title:	President / CEO

 

[Signatures continue
on following page]

 

[SEMT 2013-1 Cenlar AAR Signature Page]

 

    	 

    	 

    

 

	 	SERVICING ADMINISTRATOR:
	 	 
	 	REDWOOD RESIDENTIAL ACQUISITION

 CORPORATION
	 	 
	 	By:	/s/ John Isbrandtsen
	 	 
	 	Name:	John Isbrandtsen
	 	 
	 	Title:	Authorized Officer

 

	Accepted and agreed to by:	 
	 	 
	MASTER SERVICER:	 
	 	 
	WELLS FARGO BANK, N.A.	 
	 	 
	By:	/s/ Graham M. Oglesby	 
	 	 
	Name:	Graham M. Oglesby	 
	 	 
	Title:	VP	 

 

[SEMT 2013-1 Cenlar AAR Signature Page]

  

    	 

    	 

    

 

EXHIBIT I

 

    	 

    	 	

    
 

 

	 	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	1000383	0.002500	 	 	1000199	Group 2	1422002341	1	1	0
	2	1000383	0.002500	 	 	1000199	Group 2	2332000033	1	1	0
	3	1000383	0.002500	 	 	1000199	Group 2	2862000125	1	1	0
	4	1000383	0.002500	 	 	1000199	Group 2	1122000280	1	1	0
	5	1000383	0.002500	 	 	1000199	Group 2	236-2000690	1	1	0
	6	1000383	0.002500	 	 	1000235	Group 2	1212109SEA	1	1	0
	7	1000383	0.002500	 	 	1000235	Group 2	1215046BEL	1	1	0
	8	1000383	0.002500	 	 	1000235	Group 2	1202466LNG	1	1	0
	9	1000383	0.002500	 	 	1000235	Group 2	1214658BEL	1	1	0
	10	1000383	0.002500	 	 	1000290	Group 2	505737	1	1	0
	11	1000383	0.002500	 	 	1000302	Group 2	916906413	1	1	0
	12	1000383	0.002500	 	 	1000302	Group 2	945900871	1	1	0
	13	1000383	0.002500	 	 	1000312	Group 2	001112209	1	1	0
	14	1000383	0.002500	 	 	1000312	Group 2	001122669	1	1	0
	15	1000383	0.002500	 	 	1000312	Group 2	001122208	1	1	0
	16	1000383	0.002500	 	 	1000312	Group 2	001122310	1	1	0
	17	1000383	0.002500	 	 	1000312	Group 2	001121369	1	1	0
	18	1000383	0.002500	 	 	1000312	Group 2	001124219	1	1	0
	19	1000383	0.002500	 	 	1000312	Group 2	001118664	1	1	0
	20	1000383	0.002500	 	 	1000312	Group 2	001118756	1	1	0
	21	1000383	0.002500	 	 	1000324	Group 1	1351232443	1	1	0
	22	1000383	0.002500	 	 	1000324	Group 2	1351246085	1	1	0
	23	1000383	0.002500	 	 	1000324	Group 2	1351235665	1	1	0
	24	1000383	0.002500	 	 	1000324	Group 2	1351242529	1	1	0
	25	1000383	0.002500	 	 	1000324	Group 2	1351234103	1	1	0
	26	1000383	0.002500	 	 	1000324	Group 2	1451237959	1	1	0
	27	1000383	0.002500	 	 	1000324	Group 1	1030003526	2	1	0
	28	1000383	0.002500	 	 	1000324	Group 2	1451239628	1	1	0
	29	1000383	0.002500	 	 	1000324	Group 2	1312124697	1	1	0
	30	1000383	0.002500	 	 	1000324	Group 1	1030004351	2	1	0
	31	1000383	0.002500	 	 	1000324	Group 2	1351243337	1	1	0
	32	1000383	0.002500	 	 	1000324	Group 2	1351243370	1	1	0
	33	1000383	0.002500	 	 	1000324	Group 1	1351210044	1	1	0
	34	1000383	0.002500	 	 	1000324	Group 2	1351223409	1	1	0
	35	1000383	0.002500	 	 	1000324	Group 2	1351238410	1	1	0
	36	1000383	0.002500	 	 	1000324	Group 1	1351225464	1	1	0
	37	1000383	0.002500	 	 	1000324	Group 2	1351236831	1	1	0
	38	1000383	0.002500	 	 	1000324	Group 1	1351237188	1	1	0
	39	1000383	0.002500	 	 	1000324	Group 2	1351234400	1	1	0
	40	1000383	0.002500	 	 	1000324	Group 2	1451244731	1	1	0
	41	1000383	0.002500	 	 	1000324	Group 2	1351220715	1	1	0
	42	1000383	0.002500	 	 	1000324	Group 2	1351240944	1	1	0
	43	1000383	0.002500	 	 	1000324	Group 2	1351227548	1	1	0
	44	1000383	0.002500	 	 	1000324	Group 1	1030002373	2	1	0
	45	1000383	0.002500	 	 	1000342	Group 2	81252135	1	1	0
	46	1000383	0.002500	 	 	1000342	Group 2	81254945	1	1	0
	47	1000383	0.002500	 	 	1000342	Group 2	81248513	1	1	0
	48	1000383	0.002500	 	 	1000457	Group 2	89865232	1	1	0
	49	1000383	0.002500	 	 	1000457	Group 2	89821706	1	1	0
	50	1000383	0.002500	 	 	1000457	Group 1	89761316	2	1	0
	51	1000383	0.002500	 	 	1000522	Group 2	1401511286	1	1	0
	52	1000383	0.002500	 	 	1000522	Group 2	1001522113	1	1	0
	53	1000383	0.002500	 	 	1000536	Group 1	2333600245	1	1	0
	54	1000383	0.002500	 	 	1000536	Group 1	20031100152	1	1	0
	55	1000383	0.002500	 	 	1000536	Group 1	20401100023	1	1	0
	56	1000383	0.002500	 	 	1000536	Group 2	20011101400	1	1	0
	57	1000383	0.002500	 	 	1000536	Group 2	2036608541	1	1	0
	58	1000383	0.002500	 	 	1000536	Group 2	2117602961	1	1	0
	59	1000383	0.002500	 	 	1000536	Group 2	2044602609	1	1	0
	60	1000383	0.002500	 	 	1000536	Group 1	1050004428	2	1	0
	61	1000383	0.002500	 	 	1000536	Group 2	36441100227	1	1	0
	62	1000383	0.002500	 	 	1000536	Group 1	20171100795	1	1	0
	63	1000383	0.002500	 	 	1000536	Group 1	30521100720	1	1	0
	64	1000383	0.002500	 	 	1000536	Group 1	1050002660	2	1	0
	65	1000383	0.002500	 	 	1000536	Group 1	1050005252	2	1	0
	66	1000383	0.002500	 	 	1000536	Group 1	1050004724	2	1	0
	67	1000383	0.002500	 	 	1000536	Group 1	1050005056	2	1	0
	68	1000383	0.002500	 	 	1000536	Group 1	1050004442	2	1	0
	69	1000383	0.002500	 	 	1000536	Group 1	1050003333	2	1	0
	70	1000383	0.002500	 	 	1000536	Group 2	2107600896	1	1	0
	71	1000383	0.002500	 	 	1000536	Group 1	1050002029	2	1	0
	72	1000383	0.002500	 	 	1000536	Group 1	1050004173	2	1	0
	73	1000383	0.002500	 	 	1000536	Group 2	20011101440	1	1	0
	74	1000383	0.002500	 	 	1000536	Group 2	23071100291	1	1	0
	75	1000383	0.002500	 	 	1000536	Group 2	21511100266	1	1	0
	76	1000383	0.002500	 	 	1000536	Group 2	23071100004	1	1	0
	77	1000383	0.002500	 	 	1000536	Group 2	3650603304	1	1	0
	78	1000383	0.002500	 	 	1000536	Group 2	20731100579	1	1	0
	79	1000383	0.002500	 	 	1000536	Group 1	20361100215	2	1	0
	80	1000383	0.002500	 	 	1000536	Group 1	20731100149	2	1	0
	81	1000383	0.002500	 	 	1000536	Group 1	3726600901	2	1	0
	82	1000383	0.002500	 	 	1000536	Group 1	20631101530	2	1	0
	83	1000383	0.002500	 	 	1000953	Group 2	1380360115	1	1	0
	84	1000383	0.002500	 	 	1001098	Group 1	2412080082	1	1	0
	85	1000383	0.002500	 	 	1001098	Group 2	4212080152	1	1	0
	86	1000383	0.002500	 	 	1001098	Group 2	3812100109	1	1	0
	87	1000383	0.002500	 	 	1001098	Group 2	4212090151	1	1	0
	88	1000383	0.002500	 	 	1001098	Group 2	4812100038	1	1	0
	89	1000383	0.002500	 	 	1001105	Group 2	8001174427	1	1	0
	90	1000383	0.002500	 	 	1001105	Group 2	8001147571	1	1	0
	91	1000383	0.002500	 	 	1001105	Group 2	8001178386	1	1	0
	92	1000383	0.002500	 	 	1001105	Group 2	8001083818	1	1	0
	93	1000383	0.002500	 	 	1001105	Group 2	6000150513	1	1	0
	94	1000383	0.002500	 	 	1001105	Group 2	6000145935	1	1	0
	95	1000383	0.002500	 	 	1001105	Group 2	8001144438	1	1	0
	96	1000383	0.002500	 	 	1001105	Group 2	6000151446	1	1	0
	97	1000383	0.002500	 	 	1001105	Group 2	8001148116	1	1	0
	98	1000383	0.002500	 	 	1001105	Group 2	6000140993	1	1	0
	99	1000383	0.002500	 	 	1001105	Group 2	8001177024	1	1	0
	100	1000383	0.002500	 	 	1001105	Group 2	6000120227	1	1	0
	101	1000383	0.002500	 	 	1001105	Group 2	8001151300	1	1	0
	102	1000383	0.002500	 	 	1001105	Group 1	6000135092	1	1	0
	103	1000383	0.002500	 	 	1001105	Group 2	6000135795	1	1	0
	104	1000383	0.002500	 	 	1001105	Group 2	6000134061	1	1	0
	105	1000383	0.002500	 	 	1001105	Group 2	6000137940	1	1	0
	106	1000383	0.002500	 	 	1001105	Group 2	6000152220	1	1	0
	107	1000383	0.002500	 	 	1001105	Group 2	6000150851	1	1	0
	108	1000383	0.002500	 	 	1001105	Group 2	6000149184	1	1	0
	109	1000383	0.002500	 	 	1001105	Group 2	6000140803	1	1	0
	110	1000383	0.002500	 	 	1001105	Group 2	8001047490	1	1	0
	111	1000383	0.002500	 	 	1001105	Group 2	8001172025	1	1	0
	112	1000383	0.002500	 	 	1001105	Group 2	6000146644	1	1	0
	113	1000383	0.002500	 	 	1001105	Group 2	8001136632	1	1	0
	114	1000383	0.002500	 	 	1001105	Group 2	6000141108	1	1	0
	115	1000383	0.002500	 	 	1001105	Group 2	6000137585	1	1	0
	116	1000383	0.002500	 	 	1001105	Group 2	6000145141	1	1	0
	117	1000383	0.002500	 	 	1001105	Group 2	6000136710	1	1	0
	118	1000383	0.002500	 	 	1001464	Group 2	407400210	1	1	0
	119	1000383	0.002500	 	 	1001770	Group 2	5960000138	1	1	0
	120	1000383	0.002500	 	 	1001770	Group 1	3060000590	2	1	0
	121	1000383	0.002500	 	 	1001770	Group 2	5210000642	1	1	0
	122	1000383	0.002500	 	 	1001770	Group 1	1400008139	2	1	0
	123	1000383	0.002500	 	 	1001770	Group 2	6120000283	1	1	0
	124	1000383	0.002500	 	 	1001770	Group 1	1750003038	2	1	0
	125	1000383	0.002500	 	 	1001770	Group 2	3900000671	1	1	0
	126	1000383	0.002500	 	 	1001863	Group 1	228916	2	1	0
	127	1000383	0.002500	 	 	1001863	Group 2	254172	1	1	0
	128	1000383	0.002500	 	 	1001863	Group 2	257131	1	1	0
	129	1000383	0.002500	 	 	1001863	Group 2	269922	1	1	0
	130	1000383	0.002500	 	 	1001863	Group 2	267825	1	1	0
	131	1000383	0.002500	 	 	1001863	Group 2	261161	1	1	0
	132	1000383	0.002500	 	 	1002793	Group 2	000048525	1	1	0
	133	1000383	0.002500	 	 	1002793	Group 2	000050052	1	1	0
	134	1000383	0.002500	 	 	1002793	Group 1	000051588	1	1	0
	135	1000383	0.002500	 	 	1002793	Group 2	000051791	1	1	0
	136	1000383	0.002500	 	 	1002793	Group 2	000051419	1	1	0
	137	1000383	0.002500	 	 	1002793	Group 2	000049864	1	1	0
	138	1000383	0.002500	 	 	1002793	Group 2	000049767	1	1	0
	139	1000383	0.002500	 	 	1002793	Group 2	000060602	1	1	0
	140	1000383	0.002500	 	 	1002793	Group 2	000060886	1	1	0
	141	1000383	0.002500	 	 	1002793	Group 2	000052476	1	1	0
	142	1000383	0.002500	 	 	1002956	Group 2	1400065969	1	1	0
	143	1000383	0.002500	 	 	1003626	Group 2	23094	1	1	0
	144	1000383	0.002500	 	 	1003626	Group 2	23686	1	1	0
	145	1000383	0.002500	 	 	1003626	Group 2	23682	1	1	0
	146	1000383	0.002500	 	 	1003626	Group 2	23855	1	1	0
	147	1000383	0.002500	 	 	1003626	Group 2	23445	1	1	0
	148	1000383	0.002500	 	 	1003626	Group 2	23216	1	1	0
	149	1000383	0.002500	 	 	1003626	Group 2	23712	1	1	0
	150	1000383	0.002500	 	 	1003626	Group 2	23786	1	1	0
	151	1000383	0.002500	 	 	1003626	Group 2	23670	1	1	0
	152	1000383	0.002500	 	 	1003626	Group 2	23037	1	1	0
	153	1000383	0.002500	 	 	1003647	Group 2	0312090700	1	1	0
	154	1000383	0.002500	 	 	1003647	Group 2	0312091304	1	1	0
	155	1000383	0.002500	 	 	1003647	Group 2	0312092001	1	1	0
	156	1000383	0.002500	 	 	1003647	Group 2	0512082300	1	1	0
	157	1000383	0.002500	 	 	1003647	Group 2	0412052501	1	1	0
	158	1000383	0.002500	 	 	1003647	Group 2	0212091100	1	1	0
	159	1000383	0.002500	 	 	1003647	Group 2	0312082720	1	1	0
	160	1000383	0.002500	 	 	1003647	Group 1	0312060734	1	1	0
	161	1000383	0.002500	 	 	1003924	Group 1	401083775	1	1	0
	162	1000383	0.002500	 	 	1003924	Group 2	886100592	1	1	0
	163	1000383	0.002500	 	 	1003970	Group 2	2012001830	1	1	0
	164	1000383	0.002500	 	 	1003970	Group 2	2012001636	1	1	0
	165	1000383	0.002500	 	 	1003970	Group 2	2012001807	1	1	0
	166	1000383	0.002500	 	 	1003970	Group 2	2012001287	1	1	0
	167	1000383	0.002500	 	 	1004333	Group 2	1028120100	1	1	0
	168	1000383	0.002500	 	 	1004333	Group 2	1034120133	1	1	0
	169	1000383	0.002500	 	 	1004333	Group 2	1017122256	1	1	0
	170	1000383	0.002500	 	 	1004639	Group 2	104-12080574	1	1	0
	171	1000383	0.002500	 	 	1005723	Group 2	38358867	1	1	0
	172	1000383	0.002500	 	 	1005723	Group 2	38352829	1	1	0
	173	1000383	0.002500	 	 	1005723	Group 2	38348967	1	1	0
	174	1000383	0.002500	 	 	1005723	Group 2	38355632	1	1	0
	175	1000383	0.002500	 	 	1006166	Group 2	70003490	1	1	0
	176	1000383	0.002500	 	 	1006166	Group 2	70003502	1	1	0
	177	1000383	0.002500	 	 	1006166	Group 2	70003286	1	1	0
	178	1000383	0.002500	 	 	1006318	Group 2	1240043358	1	1	0
	179	1000383	0.002500	 	 	1006318	Group 2	1320044001	1	1	0
	180	1000383	0.002500	 	 	1006318	Group 2	1300043707	1	1	0
	181	1000383	0.002500	 	 	1006318	Group 2	1200043825	1	1	0
	182	1000383	0.002500	 	 	1006318	Group 2	1010043831	1	1	0
	183	1000383	0.002500	 	 	1006318	Group 2	1000043474	1	1	0
	184	1000383	0.002500	 	 	1006318	Group 2	1000040288	1	1	0
	185	1000383	0.002500	 	 	1006318	Group 2	1000044205	1	1	0
	186	1000383	0.002500	 	 	1008118	Group 2	108103	1	1	0
	187	1000383	0.002500	 	 	1008118	Group 2	113295	1	1	0
	188	1000383	0.002500	 	 	1008118	Group 2	112722	1	1	0
	189	1000383	0.002500	 	 	1008118	Group 2	111455	1	1	0
	190	1000383	0.002500	 	 	1008498	Group 2	503700551	1	1	0
	191	1000383	0.002500	 	 	1008498	Group 2	503696011	1	1	0
	192	1000383	0.002500	 	 	1008498	Group 2	503599235	1	1	0
	193	1000383	0.002500	 	 	1008498	Group 2	503669347	1	1	0
	194	1000383	0.002500	 	 	1008498	Group 2	503451084	1	1	0
	195	1000383	0.002500	 	 	1008498	Group 1	503597817	1	1	0
	196	1000383	0.002500	 	 	1008498	Group 2	503666267	1	1	0
	197	1000383	0.002500	 	 	1008498	Group 2	503702906	1	1	0
	198	1000383	0.002500	 	 	1008498	Group 2	503678593	1	1	0
	199	1000383	0.002500	 	 	1008498	Group 2	503688522	1	1	0
	200	1000383	0.002500	 	 	1008498	Group 2	503693641	1	1	0
	201	1000383	0.002500	 	 	1008498	Group 2	503679752	1	1	0
	202	1000383	0.002500	 	 	1008498	Group 2	503604719	1	1	0
	203	1000383	0.002500	 	 	1008498	Group 2	503715225	1	1	0
	204	1000383	0.002500	 	 	1008498	Group 2	503598014	1	1	0
	205	1000383	0.002500	 	 	1008498	Group 1	1150004457	2	1	0
	206	1000383	0.002500	 	 	1008498	Group 2	503631611	1	1	0
	207	1000383	0.002500	 	 	1008498	Group 2	503565279	1	1	0
	208	1000383	0.002500	 	 	1008498	Group 2	503689757	1	1	0
	209	1000383	0.002500	 	 	1008498	Group 2	503664370	1	1	0
	210	1000383	0.002500	 	 	1008498	Group 2	503552789	1	1	0
	211	1000383	0.002500	 	 	1008498	Group 2	503695671	1	1	0
	212	1000383	0.002500	 	 	1008498	Group 2	503618520	1	1	0
	213	1000383	0.002500	 	 	1008498	Group 2	503691061	1	1	0
	214	1000383	0.002500	 	 	1008498	Group 2	503577821	1	1	0
	215	1000383	0.002500	 	 	1008498	Group 1	503304019	2	1	0
	216	1000383	0.002500	 	 	1008808	Group 2	6031203	1	1	0
	217	1000383	0.002500	 	 	1008808	Group 2	1015844	1	1	0
	218	1000383	0.002500	 	 	1008808	Group 2	1013537	1	1	0
	219	1000383	0.002500	 	 	1008808	Group 2	8001941	1	1	0
	220	1000383	0.002500	 	 	1008808	Group 2	6032206	1	1	0
	221	1000383	0.002500	 	 	1008808	Group 2	6029908	1	1	0
	222	1000383	0.002500	 	 	1008808	Group 2	8002353	1	1	0
	223	1000383	0.002500	 	 	1008808	Group 2	6028198	1	1	0
	224	1000383	0.002500	 	 	1008808	Group 2	1018395	1	1	0
	225	1000383	0.002500	 	 	1008808	Group 2	6027763	1	1	0
	226	1000383	0.002500	 	 	1008808	Group 2	6028863	1	1	0
	227	1000383	0.002500	 	 	1008808	Group 2	6026150	1	1	0
	228	1000383	0.002500	 	 	1008808	Group 2	6033614	1	1	0
	229	1000383	0.002500	 	 	1008808	Group 2	6026169	1	1	0
	230	1000383	0.002500	 	 	1008808	Group 2	6030132	1	1	0
	231	1000383	0.002500	 	 	1008808	Group 2	6026566	1	1	0
	232	1000383	0.002500	 	 	1008808	Group 2	6028318	1	1	0
	233	1000383	0.002500	 	 	1008808	Group 2	6031582	1	1	0
	234	1000383	0.002500	 	 	1009011	Group 2	12-0227402	1	1	0
	235	1000383	0.002500	 	 	1009011	Group 2	12-0232539	1	1	0
	236	1000383	0.002500	 	 	1009011	Group 2	12-0223382	1	1	0
	237	1000383	0.002500	 	 	1009229	Group 2	110113878	1	1	0
	238	1000383	0.002500	 	 	1009229	Group 2	110113464	1	1	0
	239	1000383	0.002500	 	 	1009229	Group 2	110117846	1	1	0
	240	1000383	0.002500	 	 	1009229	Group 2	110118059	1	1	0
	241	1000383	0.002500	 	 	1009229	Group 2	110117861	1	1	0
	242	1000383	0.002500	 	 	1009229	Group 2	110118364	1	1	0
	243	1000383	0.002500	 	 	1009229	Group 2	110118117	1	1	0
	244	1000383	0.002500	 	 	1009229	Group 2	110114934	1	1	0
	245	1000383	0.002500	 	 	1009229	Group 2	110116327	1	1	0
	246	1000383	0.002500	 	 	1009229	Group 2	110113050	1	1	0
	247	1000383	0.002500	 	 	1009229	Group 2	110118497	1	1	0
	248	1000383	0.002500	 	 	1009229	Group 2	110118521	1	1	0
	249	1000383	0.002500	 	 	1009229	Group 2	110117234	1	1	0
	250	1000383	0.002500	 	 	1009229	Group 2	110117341	1	1	0
	251	1000383	0.002500	 	 	1009229	Group 2	110117408	1	1	0
	252	1000383	0.002500	 	 	1009229	Group 2	110118711	1	1	0
	253	1000383	0.002500	 	 	1009229	Group 2	110117432	1	1	0
	254	1000383	0.002500	 	 	1009229	Group 2	110117069	1	1	0
	255	1000383	0.002500	 	 	1009229	Group 2	110114298	1	1	0
	256	1000383	0.002500	 	 	1009229	Group 2	110111286	1	1	0
	257	1000383	0.002500	 	 	1009229	Group 2	110116277	1	1	0
	258	1000383	0.002500	 	 	1009229	Group 2	110115048	1	1	0
	259	1000383	0.002500	 	 	1009229	Group 2	110116830	1	1	0
	260	1000383	0.002500	 	 	1009229	Group 2	110110809	1	1	0
	261	1000383	0.002500	 	 	1009229	Group 2	110117036	1	1	0
	262	1000383	0.002500	 	 	1009229	Group 2	110116848	1	1	0
	263	1000383	0.002500	 	 	1009229	Group 2	110118430	1	1	0
	264	1000383	0.002500	 	 	1009229	Group 2	110116053	1	1	0
	265	1000383	0.002500	 	 	1009229	Group 2	110117283	1	1	0
	266	1000383	0.002500	 	 	9999995	Group 2	11971622	1	1	0
	267	1000383	0.002500	 	 	9999996	Group 2	3000108496	1	1	0
	268	1000383	0.002500	 	 	9999996	Group 2	3000135964	1	1	0
	269	1000383	0.002500	 	 	9999996	Group 2	3000130094	1	1	0
	270	1000383	0.002500	 	 	9999996	Group 2	3000123576	1	1	0
	271	1000383	0.002500	 	 	9999996	Group 2	3000135026	1	1	0
	272	1000383	0.002500	 	 	9999996	Group 2	3000133479	1	1	0
	273	1000383	0.002500	 	 	9999996	Group 2	3000134288	1	1	0
	274	1000383	0.002500	 	 	9999996	Group 2	3000136875	1	1	0
	275	1000383	0.002500	 	 	9999996	Group 1	3000132789	1	1	0
	276	1000383	0.002500	 	 	9999996	Group 2	3000127402	1	1	0
	277	1000383	0.002500	 	 	9999996	Group 2	3000136277	1	1	0
	278	1000383	0.002500	 	 	9999996	Group 2	3000129127	1	1	0
	279	1000383	0.002500	 	 	9999996	Group 2	3000137437	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	6	 	 	 	 	 	5	4	0	 
	2	9	 	 	 	 	 	1	0	0	 
	3	3	 	 	 	 	 	1	0	0	 
	4	9	 	 	 	 	 	1	0	0	 
	5	9	 	 	 	 	 	1	0	0	 
	6	7	 	 	 	 	 	1	4	0	 
	7	9	 	 	 	 	 	1	4	0	 
	8	9	 	 	 	 	 	1	0	0	 
	9	9	 	 	 	 	 	1	4	0	 
	10	7	 	 	 	 	 	1	0	0	 
	11	7	 	 	 	 	 	1	4	0	 
	12	9	 	 	 	 	 	1	4	0	 
	13	3	 	 	 	 	 	1	4	0	 
	14	9	 	 	 	 	 	1	0	0	 
	15	9	 	 	 	 	 	1	4	0	 
	16	9	 	 	 	 	 	1	0	0	 
	17	9	 	 	 	 	 	1	4	0	 
	18	9	 	 	 	 	 	1	0	0	 
	19	7	 	 	 	 	 	1	4	0	 
	20	7	 	 	 	 	 	1	4	0	 
	21	9	 	 	 	 	 	2	0	0	 
	22	3	 	 	 	 	 	1	0	0	 
	23	9	 	 	 	 	 	2	4	0	 
	24	7	 	 	 	 	 	2	4	0	 
	25	9	 	 	 	 	 	2	4	0	 
	26	9	 	 	 	 	 	2	4	0	 
	27	7	 	 	 	 	 	2	0	0	 
	28	9	 	 	 	 	 	1	4	0	 
	29	9	 	 	 	 	 	2	4	0	 
	30	9	 	 	 	 	 	2	0	0	 
	31	9	 	 	 	 	 	2	4	0	 
	32	7	 	 	 	 	 	2	4	0	 
	33	9	 	 	 	 	 	2	0	0	 
	34	9	 	 	 	 	 	2	0	0	 
	35	9	 	 	 	 	 	2	4	0	 
	36	9	 	 	 	 	 	1	0	0	 
	37	3	 	 	 	 	 	2	0	0	 
	38	9	 	 	 	 	 	2	0	0	 
	39	9	 	 	 	 	 	2	0	0	 
	40	9	 	 	 	 	 	2	4	0	 
	41	9	 	 	 	 	 	2	0	0	 
	42	3	 	 	 	 	 	2	0	0	 
	43	9	 	 	 	 	 	2	4	0	 
	44	9	 	 	 	 	 	2	0	0	 
	45	9	 	 	 	 	 	1	0	0	 
	46	9	 	 	 	 	 	1	4	0	 
	47	7	 	 	 	 	 	1	0	0	 
	48	7	 	 	 	 	 	5	4	0	 
	49	7	 	 	 	 	 	5	0	0	 
	50	9	 	 	 	 	 	1	0	0	 
	51	9	 	 	 	 	 	2	0	0	 
	52	9	 	 	 	 	 	2	4	0	 
	53	6	 	 	 	 	 	1	4	0	 
	54	7	 	 	 	 	 	1	0	0	 
	55	9	 	 	 	 	 	1	4	0	 
	56	9	 	 	 	 	 	1	0	0	 
	57	7	 	 	 	 	 	1	4	0	 
	58	7	 	 	 	 	 	1	0	0	 
	59	7	 	 	 	 	 	1	4	0	 
	60	7	 	 	 	 	 	1	0	0	 
	61	7	 	 	 	 	 	1	4	0	 
	62	9	 	 	 	 	 	1	0	0	 
	63	9	 	 	 	 	 	1	0	0	 
	64	7	 	 	 	 	 	1	4	0	 
	65	7	 	 	 	 	 	1	4	0	 
	66	7	 	 	 	 	 	1	4	0	 
	67	7	 	 	 	 	 	1	0	0	 
	68	7	 	 	 	 	 	1	4	0	 
	69	7	 	 	 	 	 	1	0	0	 
	70	7	 	 	 	 	 	1	4	0	 
	71	9	 	 	 	 	 	1	0	0	 
	72	7	 	 	 	 	 	1	0	0	 
	73	7	 	 	 	 	 	1	0	0	 
	74	7	 	 	 	 	 	1	0	0	 
	75	9	 	 	 	 	 	1	0	0	 
	76	9	 	 	 	 	 	1	0	0	 
	77	7	 	 	 	 	 	1	4	0	 
	78	9	 	 	 	 	 	1	4	0	 
	79	9	 	 	 	 	 	1	4	0	 
	80	9	 	 	 	 	 	1	0	0	 
	81	9	 	 	 	 	 	1	0	0	 
	82	7	 	 	 	 	 	1	0	0	 
	83	9	 	 	 	 	 	5	0	0	 
	84	9	 	 	 	 	 	1	4	0	 
	85	7	 	 	 	 	 	1	0	0	 
	86	9	 	 	 	 	 	1	4	0	 
	87	9	 	 	 	 	 	1	0	0	 
	88	9	 	 	 	 	 	1	0	0	 
	89	7	 	 	 	 	 	1	0	0	 
	90	9	 	 	 	 	 	1	0	0	 
	91	3	 	 	 	 	 	1	0	0	 
	92	9	 	 	 	 	 	1	0	0	 
	93	7	 	 	 	 	 	1	4	0	 
	94	9	 	 	 	 	 	1	0	0	 
	95	9	 	 	 	 	 	1	0	0	 
	96	9	 	 	 	 	 	1	0	0	 
	97	9	 	 	 	 	 	1	0	0	 
	98	9	 	 	 	 	 	1	0	0	 
	99	9	 	 	 	 	 	1	0	0	 
	100	9	 	 	 	 	 	1	4	0	 
	101	9	 	 	 	 	 	1	0	0	 
	102	9	 	 	 	 	 	1	0	0	 
	103	9	 	 	 	 	 	1	0	0	 
	104	6	 	 	 	 	 	1	0	0	 
	105	9	 	 	 	 	 	1	0	0	 
	106	7	 	 	 	 	 	1	4	0	 
	107	7	 	 	 	 	 	1	0	0	 
	108	9	 	 	 	 	 	1	0	0	 
	109	9	 	 	 	 	 	1	0	0	 
	110	9	 	 	 	 	 	1	0	0	 
	111	7	 	 	 	 	 	1	0	0	 
	112	9	 	 	 	 	 	1	0	0	 
	113	9	 	 	 	 	 	1	0	0	 
	114	7	 	 	 	 	 	1	0	0	 
	115	9	 	 	 	 	 	1	0	0	 
	116	9	 	 	 	 	 	1	0	0	 
	117	9	 	 	 	 	 	1	4	0	 
	118	7	 	 	 	 	 	1	4	0	 
	119	7	 	 	 	 	 	1	4	0	 
	120	9	 	 	 	 	 	1	0	0	 
	121	7	 	 	 	 	 	1	0	0	 
	122	7	 	 	 	 	 	1	0	0	 
	123	7	 	 	 	 	 	1	0	0	 
	124	7	 	 	 	 	 	1	0	0	 
	125	6	 	 	 	 	 	1	0	0	 
	126	9	 	 	 	 	 	1	0	0	 
	127	7	 	 	 	 	 	1	4	0	 
	128	9	 	 	 	 	 	1	4	0	 
	129	7	 	 	 	 	 	1	0	0	 
	130	9	 	 	 	 	 	1	4	0	 
	131	7	 	 	 	 	 	1	4	0	 
	132	9	 	 	 	 	 	1	0	0	 
	133	9	 	 	 	 	 	1	0	0	 
	134	9	 	 	 	 	 	1	0	0	 
	135	9	 	 	 	 	 	1	4	0	 
	136	7	 	 	 	 	 	1	4	0	 
	137	9	 	 	 	 	 	1	0	0	 
	138	7	 	 	 	 	 	1	4	0	 
	139	6	 	 	 	 	 	1	0	0	 
	140	7	 	 	 	 	 	1	0	0	 
	141	9	 	 	 	 	 	1	0	0	 
	142	7	 	 	 	 	 	1	4	0	 
	143	7	 	 	 	 	 	1	1	0	 
	144	9	 	 	 	 	 	1	0	0	 
	145	9	 	 	 	 	 	1	0	0	 
	146	7	 	 	 	 	 	1	0	0	 
	147	6	 	 	 	 	 	1	0	0	 
	148	9	 	 	 	 	 	1	0	0	 
	149	7	 	 	 	 	 	1	4	0	 
	150	9	 	 	 	 	 	1	0	0	 
	151	9	 	 	 	 	 	1	0	0	 
	152	7	 	 	 	 	 	1	0	0	 
	153	9	 	 	 	 	 	1	4	0	 
	154	9	 	 	 	 	 	1	4	0	 
	155	7	 	 	 	 	 	1	0	0	 
	156	9	 	 	 	 	 	1	4	0	 
	157	9	 	 	 	 	 	1	4	0	 
	158	7	 	 	 	 	 	1	4	0	 
	159	9	 	 	 	 	 	1	0	0	 
	160	9	 	 	 	 	 	1	4	0	 
	161	9	 	 	 	 	 	1	0	0	 
	162	3	 	 	 	 	 	1	4	0	 
	163	9	 	 	 	 	 	1	4	0	 
	164	7	 	 	 	 	 	1	4	0	 
	165	9	 	 	 	 	 	1	0	0	 
	166	9	 	 	 	 	 	1	0	0	 
	167	7	 	 	 	 	 	1	4	0	 
	168	7	 	 	 	 	 	1	4	0	 
	169	3	 	 	 	 	 	1	4	0	 
	170	7	 	 	 	 	 	1	0	0	 
	171	9	 	 	 	 	 	1	0	0	 
	172	9	 	 	 	 	 	1	4	0	 
	173	9	 	 	 	 	 	1	4	0	 
	174	9	 	 	 	 	 	1	0	0	 
	175	9	 	 	 	 	 	1	0	0	 
	176	6	 	 	 	 	 	1	0	0	 
	177	9	 	 	 	 	 	1	0	0	 
	178	9	 	 	 	 	 	1	0	0	 
	179	6	 	 	 	 	 	1	0	0	 
	180	7	 	 	 	 	 	1	4	0	 
	181	7	 	 	 	 	 	1	4	0	 
	182	9	 	 	 	 	 	1	0	0	 
	183	9	 	 	 	 	 	1	0	0	 
	184	9	 	 	 	 	 	1	0	0	 
	185	7	 	 	 	 	 	1	0	0	 
	186	9	 	 	 	 	 	1	4	0	 
	187	7	 	 	 	 	 	1	4	0	 
	188	7	 	 	 	 	 	1	4	0	 
	189	9	 	 	 	 	 	1	0	0	 
	190	9	 	 	 	 	 	2	4	0	 
	191	7	 	 	 	 	 	5	0	0	 
	192	9	 	 	 	 	 	5	0	0	 
	193	9	 	 	 	 	 	5	4	0	 
	194	9	 	 	 	 	 	5	0	0	 
	195	3	 	 	 	 	 	2	0	0	 
	196	7	 	 	 	 	 	2	4	0	 
	197	9	 	 	 	 	 	5	0	0	 
	198	9	 	 	 	 	 	5	0	0	 
	199	9	 	 	 	 	 	5	0	0	 
	200	9	 	 	 	 	 	1	4	0	 
	201	9	 	 	 	 	 	2	4	0	 
	202	9	 	 	 	 	 	5	0	0	 
	203	7	 	 	 	 	 	1	0	0	 
	204	3	 	 	 	 	 	5	4	0	 
	205	9	 	 	 	 	 	5	0	0	 
	206	3	 	 	 	 	 	2	0	0	 
	207	9	 	 	 	 	 	5	4	0	 
	208	9	 	 	 	 	 	5	0	0	 
	209	9	 	 	 	 	 	2	4	0	 
	210	9	 	 	 	 	 	2	0	0	 
	211	7	 	 	 	 	 	5	0	0	 
	212	9	 	 	 	 	 	5	0	0	 
	213	9	 	 	 	 	 	5	4	0	 
	214	9	 	 	 	 	 	2	0	0	 
	215	9	 	 	 	 	 	2	0	0	 
	216	9	 	 	 	 	 	2	4	0	 
	217	9	 	 	 	 	 	1	0	0	 
	218	9	 	 	 	 	 	1	0	0	 
	219	9	 	 	 	 	 	1	0	0	 
	220	7	 	 	 	 	 	1	0	0	 
	221	9	 	 	 	 	 	2	4	0	 
	222	9	 	 	 	 	 	1	0	0	 
	223	9	 	 	 	 	 	2	4	0	 
	224	9	 	 	 	 	 	1	4	0	 
	225	9	 	 	 	 	 	1	0	0	 
	226	9	 	 	 	 	 	2	1	0	 
	227	9	 	 	 	 	 	2	0	0	 
	228	7	 	 	 	 	 	1	0	0	 
	229	9	 	 	 	 	 	1	0	0	 
	230	7	 	 	 	 	 	1	0	0	 
	231	9	 	 	 	 	 	2	0	0	 
	232	9	 	 	 	 	 	1	0	0	 
	233	9	 	 	 	 	 	1	0	0	 
	234	9	 	 	 	 	 	1	4	0	 
	235	7	 	 	 	 	 	1	4	0	 
	236	3	 	 	 	 	 	1	1	0	 
	237	7	 	 	 	 	 	1	1	0	 
	238	7	 	 	 	 	 	1	1	0	 
	239	9	 	 	 	 	 	1	1	0	 
	240	9	 	 	 	 	 	1	1	0	 
	241	9	 	 	 	 	 	1	1	0	 
	242	3	 	 	 	 	 	1	1	0	 
	243	9	 	 	 	 	 	1	4	0	 
	244	7	 	 	 	 	 	1	1	0	 
	245	9	 	 	 	 	 	1	1	0	 
	246	9	 	 	 	 	 	1	0	0	 
	247	3	 	 	 	 	 	1	1	0	 
	248	9	 	 	 	 	 	1	1	0	 
	249	9	 	 	 	 	 	1	1	0	 
	250	9	 	 	 	 	 	1	1	0	 
	251	9	 	 	 	 	 	1	1	0	 
	252	3	 	 	 	 	 	1	1	0	 
	253	9	 	 	 	 	 	1	1	0	 
	254	3	 	 	 	 	 	1	1	0	 
	255	7	 	 	 	 	 	1	1	0	 
	256	7	 	 	 	 	 	1	1	0	 
	257	7	 	 	 	 	 	1	1	0	 
	258	9	 	 	 	 	 	1	1	0	 
	259	9	 	 	 	 	 	1	1	0	 
	260	9	 	 	 	 	 	1	0	0	 
	261	9	 	 	 	 	 	1	1	0	 
	262	9	 	 	 	 	 	1	4	0	 
	263	9	 	 	 	 	 	1	1	0	 
	264	9	 	 	 	 	 	1	1	0	 
	265	3	 	 	 	 	 	1	4	0	 
	266	7	 	 	 	 	 	1	4	0	 
	267	9	 	 	 	 	 	1	0	0	 
	268	3	 	 	 	 	 	1	4	0	 
	269	7	 	 	 	 	 	1	4	0	 
	270	9	 	 	 	 	 	1	0	0	 
	271	7	 	 	 	 	 	1	4	0	 
	272	9	 	 	 	 	 	1	0	0	 
	273	9	 	 	 	 	 	1	0	0	 
	274	9	 	 	 	 	 	1	0	0	 
	275	7	 	 	 	 	 	1	0	0	 
	276	9	 	 	 	 	 	1	0	0	 
	277	3	 	 	 	 	 	1	0	0	 
	278	7	 	 	 	 	 	1	0	0	 
	279	9	 	 	 	 	 	1	0	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	 	20121105	698000.00	0.040000	360	360	20130101
	2	 	 	0.00	 	20121008	735700.00	0.037500	360	360	20121201
	3	 	 	5050.00	 	20121009	840000.00	0.040000	360	360	20121201
	4	 	 	0.00	 	20121016	875000.00	0.038750	360	360	20121201
	5	 	 	0.00	 	20120810	999999.00	0.041250	360	360	20121001
	6	 	 	0.00	 	20121101	540000.00	0.036250	360	360	20130101
	7	 	 	0.00	 	20121030	576000.00	0.041250	360	360	20121201
	8	 	 	0.00	 	20121108	645000.00	0.042500	360	360	20130101
	9	 	 	0.00	 	20121018	999900.00	0.040000	360	360	20121201
	10	 	 	0.00	 	20121026	724000.00	0.041250	360	360	20121201
	11	 	 	0.00	 	20121023	559000.00	0.041250	360	360	20121201
	12	 	 	0.00	 	20120711	776400.00	0.045000	360	360	20120901
	13	 	 	0.00	 	20121008	562000.00	0.033750	360	360	20121201
	14	 	 	0.00	 	20121017	592000.00	0.042500	360	360	20121201
	15	 	 	0.00	 	20121026	609000.00	0.040000	360	360	20121201
	16	 	 	0.00	 	20120914	746000.00	0.043750	360	360	20121101
	17	 	 	0.00	 	20121015	804000.00	0.040000	360	360	20121201
	18	 	 	0.00	 	20121011	841000.00	0.038750	360	360	20121201
	19	 	 	0.00	 	20120928	999000.00	0.041250	360	360	20121101
	20	 	 	0.00	 	20120914	1140000.00	0.043750	360	360	20121101
	21	 	 	0.00	 	20120920	499000.00	0.037500	180	180	20121101
	22	 	 	0.00	 	20121112	497250.00	0.041250	360	360	20130101
	23	 	 	60000.00	 	20121015	502000.00	0.041250	360	360	20121201
	24	 	 	0.00	 	20121025	518400.00	0.041250	360	360	20121201
	25	 	 	0.00	 	20121008	560000.00	0.040000	360	360	20121201
	26	 	 	0.00	 	20121011	560000.00	0.043750	360	360	20121201
	27	 	 	0.00	 	20120329	570500.00	0.043750	360	360	20120501
	28	 	 	0.00	 	20121018	590400.00	0.041250	360	360	20121201
	29	 	 	0.00	 	20121025	614000.00	0.038750	360	360	20121201
	30	 	 	0.00	 	20120517	663500.00	0.041250	360	360	20120701
	31	 	 	0.00	 	20121022	665000.00	0.040000	360	360	20121201
	32	 	 	0.00	 	20121030	671250.00	0.040000	360	360	20121201
	33	 	 	0.00	 	20120911	694000.00	0.035000	180	180	20121101
	34	 	 	300000.00	 	20120828	694000.00	0.041250	360	360	20121001
	35	 	 	0.00	 	20121024	744000.00	0.041250	360	360	20121201
	36	 	 	0.00	 	20120830	770000.00	0.035000	180	180	20121101
	37	 	 	0.00	 	20121016	780000.00	0.041250	360	360	20121201
	38	 	 	0.00	 	20120925	800000.00	0.032500	180	180	20121101
	39	 	 	0.00	 	20121026	932000.00	0.038570	360	360	20121201
	40	 	 	210000.00	 	20121022	950000.00	0.038750	360	360	20121201
	41	 	 	0.00	 	20121025	960000.00	0.041250	360	360	20121201
	42	 	 	0.00	 	20121023	999999.00	0.040000	360	360	20121201
	43	 	 	0.00	 	20120927	999999.00	0.041250	360	360	20121201
	44	 	 	0.00	 	20120120	1120000.00	0.037500	360	360	20120301
	45	 	 	0.00	 	20121016	501000.00	0.038750	360	360	20121201
	46	 	 	0.00	 	20121022	733000.00	0.041250	360	360	20121201
	47	 	 	0.00	 	20121026	1425000.00	0.041250	360	360	20121201
	48	 	 	0.00	 	20120920	643200.00	0.042500	360	360	20121101
	49	 	 	0.00	 	20120830	956250.00	0.043750	360	360	20121001
	50	 	 	0.00	 	20120529	1020000.00	0.033750	360	360	20120701
	51	 	 	0.00	 	20120814	655000.00	0.041250	360	360	20121001
	52	 	 	0.00	 	20121023	1000000.00	0.041250	360	360	20121201
	53	 	 	0.00	 	20120927	479200.00	0.033750	180	180	20121101
	54	 	 	0.00	 	20121016	500000.00	0.035000	180	180	20121201
	55	 	 	0.00	 	20120906	534500.00	0.036250	180	180	20121101
	56	 	 	0.00	 	20121012	562050.00	0.040000	360	360	20121201
	57	 	 	0.00	 	20121015	562500.00	0.041250	360	360	20121201
	58	 	 	0.00	 	20121012	562500.00	0.042500	360	360	20121201
	59	 	 	0.00	 	20121011	580000.00	0.038750	360	360	20121201
	60	 	 	0.00	 	20120608	595000.00	0.041250	360	360	20120801
	61	 	 	0.00	 	20121015	636000.00	0.043750	360	360	20121201
	62	 	 	0.00	 	20120904	650000.00	0.033750	180	180	20121101
	63	 	 	0.00	 	20120917	672400.00	0.036250	180	180	20121101
	64	 	 	0.00	 	20120423	675000.00	0.035000	360	360	20120601
	65	 	 	0.00	 	20120703	750000.00	0.041250	360	360	20120801
	66	 	 	0.00	 	20120608	754000.00	0.035000	360	360	20120801
	67	 	 	0.00	 	20120703	755300.00	0.036250	360	360	20120901
	68	 	 	0.00	 	20120530	772100.00	0.037500	360	360	20120701
	69	 	 	0.00	 	20120326	800000.00	0.037500	360	360	20120501
	70	 	 	0.00	 	20121012	800000.00	0.037500	360	360	20121201
	71	 	 	0.00	 	20111118	838500.00	0.037500	360	360	20120101
	72	 	 	0.00	 	20120511	845000.00	0.035000	360	360	20120701
	73	 	 	0.00	 	20121008	841600.00	0.040000	360	360	20121201
	74	 	 	0.00	 	20120904	874000.00	0.042500	360	360	20121101
	75	 	 	0.00	 	20121031	885000.00	0.042500	360	360	20121201
	76	 	 	0.00	 	20121002	968000.00	0.041250	360	360	20121201
	77	 	 	0.00	 	20120928	1200000.00	0.042500	360	360	20121101
	78	 	 	0.00	 	20120928	3000000.00	0.037500	360	360	20121101
	79	 	 	250000.00	 	20120926	785000.00	0.028750	360	360	20121101
	80	 	 	0.00	 	20120620	731250.00	0.040000	360	360	20120801
	81	 	 	0.00	 	20120423	612650.00	0.036250	360	360	20120601
	82	 	 	0.00	 	20120503	650000.00	0.033750	360	360	20120701
	83	 	 	0.00	 	20121018	859590.00	0.038750	360	360	20121201
	84	 	 	0.00	 	20121005	560000.00	0.038750	180	180	20121201
	85	 	 	0.00	 	20120926	783200.00	0.043750	360	360	20121101
	86	 	 	0.00	 	20121105	885000.00	0.038750	360	360	20130101
	87	 	 	0.00	 	20121025	898000.00	0.038750	360	360	20121201
	88	 	 	0.00	 	20121107	900000.00	0.037500	360	360	20130101
	89	 	 	0.00	 	20121017	532000.00	0.037500	360	360	20121201
	90	 	 	0.00	 	20121102	640125.00	0.037500	360	360	20130101
	91	 	 	0.00	 	20121029	660000.00	0.036250	360	360	20130101
	92	 	 	25000.00	 	20120827	664500.00	0.041250	360	360	20121101
	93	 	 	0.00	 	20121101	663000.00	0.038750	360	360	20130101
	94	 	 	0.00	 	20121026	674000.00	0.041250	360	360	20121201
	95	 	 	75000.00	 	20121013	676900.00	0.040000	360	360	20121201
	96	 	 	0.00	 	20121026	680000.00	0.041250	360	360	20121201
	97	 	 	0.00	 	20120928	688000.00	0.037500	360	360	20121201
	98	 	 	0.00	 	20121023	688000.00	0.042500	360	360	20121201
	99	 	 	0.00	 	20121121	707000.00	0.035000	360	360	20130101
	100	 	 	0.00	 	20121105	708000.00	0.043750	360	360	20130101
	101	 	 	92000.00	 	20121026	714695.00	0.037500	360	360	20121201
	102	 	 	0.00	 	20120919	730000.00	0.035000	180	180	20121101
	103	 	 	0.00	 	20121015	738500.00	0.045000	360	360	20121201
	104	 	 	0.00	 	20120829	749200.00	0.042500	360	360	20121001
	105	 	 	0.00	 	20121012	760000.00	0.042500	360	360	20121201
	106	 	 	0.00	 	20121102	780000.00	0.038750	360	360	20130101
	107	 	 	0.00	 	20121023	784000.00	0.040000	360	360	20121201
	108	 	 	0.00	 	20121029	789000.00	0.038750	360	360	20121201
	109	 	 	500000.00	 	20121022	800000.00	0.038750	360	360	20121201
	110	 	 	0.00	 	20120803	821000.00	0.038750	360	360	20121001
	111	 	 	0.00	 	20121025	825000.00	0.040000	360	360	20121201
	112	 	 	0.00	 	20121026	843000.00	0.042500	360	360	20121201
	113	 	 	0.00	 	20120925	945000.00	0.038750	360	360	20121101
	114	 	 	0.00	 	20120928	975000.00	0.041250	360	360	20121201
	115	 	 	0.00	 	20121015	1032500.00	0.041250	360	360	20121201
	116	 	 	0.00	 	20121031	1122000.00	0.038750	360	360	20130101
	117	 	 	0.00	 	20121015	1239500.00	0.040000	360	360	20121201
	118	 	 	0.00	 	20120927	787500.00	0.041250	360	360	20121101
	119	 	 	0.00	 	20121011	592000.00	0.041250	360	360	20121201
	120	 	 	0.00	 	20120227	712800.00	0.046250	360	360	20120401
	121	 	 	0.00	 	20121030	725000.00	0.038750	360	360	20121201
	122	 	 	0.00	 	20120807	900000.00	0.033750	360	360	20121001
	123	 	 	0.00	 	20121031	1050000.00	0.040000	360	360	20121201
	124	 	 	0.00	 	20120216	1242500.00	0.043750	360	360	20120401
	125	 	 	0.00	 	20121025	1299375.00	0.040000	360	360	20121201
	126	 	 	57500.00	 	20111024	502500.00	0.046250	360	360	20111201
	127	 	 	0.00	 	20120911	531200.00	0.038750	360	360	20121101
	128	 	 	0.00	 	20120921	648000.00	0.043750	360	360	20121101
	129	 	 	0.00	 	20121029	740000.00	0.035000	360	360	20121201
	130	 	 	0.00	 	20121023	832000.00	0.041250	360	360	20121201
	131	 	 	0.00	 	20121016	942375.00	0.040000	360	360	20121201
	132	 	 	350000.00	 	20120822	652000.00	0.042500	360	360	20121001
	133	 	 	0.00	 	20120914	675000.00	0.042500	360	360	20121101
	134	 	 	250000.00	 	20121023	715000.00	0.035000	180	180	20121201
	135	 	 	0.00	 	20121025	721000.00	0.040000	360	360	20121201
	136	 	 	0.00	 	20121001	738400.00	0.042500	360	360	20121201
	137	 	 	0.00	 	20121009	840000.00	0.038750	360	360	20121201
	138	 	 	0.00	 	20120828	910000.00	0.040000	360	360	20121001
	139	 	 	0.00	 	20121101	965250.00	0.037500	360	360	20130101
	140	 	 	0.00	 	20121029	1000000.00	0.037500	360	360	20121201
	141	 	 	0.00	 	20121026	999990.00	0.041250	360	360	20121201
	142	 	 	0.00	 	20121025	584000.00	0.042500	360	360	20121201
	143	 	 	0.00	 	20121026	650000.00	0.036250	360	360	20121201
	144	 	 	0.00	 	20121003	700000.00	0.040000	360	360	20121201
	145	 	 	0.00	 	20121026	780000.00	0.041250	360	360	20121201
	146	 	 	100000.00	 	20121026	925500.00	0.036250	360	360	20121201
	147	 	 	0.00	 	20121001	940000.00	0.038750	360	360	20121201
	148	 	 	0.00	 	20120829	1000000.00	0.040000	360	360	20121101
	149	 	 	0.00	 	20121022	1000000.00	0.038750	360	360	20121201
	150	 	 	0.00	 	20121011	1020400.00	0.040000	360	360	20121201
	151	 	 	0.00	 	20121022	1084000.00	0.038750	360	360	20121201
	152	 	 	0.00	 	20121011	1181250.00	0.038750	360	360	20121201
	153	 	 	0.00	 	20121024	501000.00	0.041250	360	360	20121201
	154	 	 	0.00	 	20121026	573500.00	0.043750	360	360	20121201
	155	 	 	0.00	 	20121105	620000.00	0.038750	360	360	20130101
	156	 	 	0.00	 	20121005	624000.00	0.043750	360	360	20121201
	157	 	 	0.00	 	20121017	645000.00	0.042500	360	360	20121201
	158	 	 	0.00	 	20121023	700000.00	0.037500	360	360	20121201
	159	 	 	25000.00	 	20121012	853000.00	0.038750	360	360	20121201
	160	 	 	0.00	 	20121001	930000.00	0.033750	180	180	20121101
	161	 	 	0.00	 	20121003	816800.00	0.038750	180	180	20121201
	162	 	 	0.00	 	20121022	861250.00	0.037500	360	360	20121201
	163	 	 	0.00	 	20121025	689000.00	0.037500	360	360	20121201
	164	 	 	0.00	 	20121107	697600.00	0.042500	360	360	20130101
	165	 	 	0.00	 	20121026	968000.00	0.038750	360	360	20121201
	166	 	 	0.00	 	20121029	1467000.00	0.036250	360	360	20130101
	167	 	 	0.00	 	20121005	513750.00	0.041250	360	360	20121201
	168	 	 	0.00	 	20121107	688000.00	0.041250	360	360	20130101
	169	 	 	0.00	 	20121003	898272.00	0.038750	360	360	20121201
	170	 	 	0.00	 	20121012	680000.00	0.037500	360	360	20121201
	171	 	 	0.00	 	20121030	544500.00	0.042500	360	360	20121201
	172	 	 	0.00	 	20121003	551000.00	0.038750	360	360	20121201
	173	 	 	0.00	 	20120910	604700.00	0.042500	360	360	20121101
	174	 	 	0.00	 	20121015	612700.00	0.042500	360	360	20121201
	175	 	 	0.00	 	20121029	665800.00	0.040000	360	360	20121201
	176	 	 	0.00	 	20121019	700000.00	0.043750	360	360	20121201
	177	 	 	0.00	 	20121016	856000.00	0.040000	360	360	20121201
	178	 	 	0.00	 	20121101	680800.00	0.041250	360	360	20130101
	179	 	 	0.00	 	20121017	700000.00	0.037500	360	360	20121201
	180	 	 	0.00	 	20121026	735000.00	0.038750	360	360	20121201
	181	 	 	0.00	 	20121106	836000.00	0.040000	360	360	20130101
	182	 	 	0.00	 	20121029	865000.00	0.037500	360	360	20121201
	183	 	 	0.00	 	20121018	912000.00	0.043750	360	360	20121201
	184	 	 	0.00	 	20120904	1000000.00	0.040000	360	360	20121101
	185	 	 	0.00	 	20121029	1090000.00	0.036250	360	360	20130101
	186	 	 	55000.00	 	20121019	585000.00	0.041250	360	360	20121201
	187	 	 	0.00	 	20121030	650000.00	0.037500	360	360	20121201
	188	 	 	0.00	 	20121024	975000.00	0.037500	360	360	20121201
	189	 	 	0.00	 	20121004	994000.00	0.043750	360	360	20121201
	190	 	 	0.00	 	20121026	476000.00	0.038750	360	360	20121201
	191	 	 	0.00	 	20121010	520000.00	0.043750	360	360	20121201
	192	 	 	0.00	 	20121030	600000.00	0.042500	360	360	20130101
	193	 	 	0.00	 	20121015	650000.00	0.041250	360	360	20121201
	194	 	 	0.00	 	20120601	656000.00	0.047500	360	360	20120801
	195	 	 	0.00	 	20120828	690000.00	0.035000	180	180	20121001
	196	 	 	0.00	 	20120921	703120.00	0.043750	360	360	20121101
	197	 	 	0.00	 	20121018	705000.00	0.040000	360	360	20121201
	198	 	 	215000.00	 	20121019	706000.00	0.038750	360	360	20121201
	199	 	 	0.00	 	20121031	705000.00	0.043750	360	360	20130101
	200	 	 	0.00	 	20121101	711000.00	0.041250	360	360	20121201
	201	 	 	0.00	 	20121025	711000.00	0.042500	360	360	20121201
	202	 	 	0.00	 	20120928	715000.00	0.040000	360	360	20121101
	203	 	 	0.00	 	20121115	720000.00	0.042500	360	360	20130101
	204	 	 	0.00	 	20120911	736000.00	0.041250	360	360	20121101
	205	 	 	0.00	 	20120523	815000.00	0.043750	360	360	20120701
	206	 	 	0.00	 	20120919	825000.00	0.041250	360	360	20121101
	207	 	 	0.00	 	20121005	850000.00	0.042500	360	360	20121201
	208	 	 	0.00	 	20121027	899000.00	0.038750	360	360	20121201
	209	 	 	0.00	 	20121106	962000.00	0.041250	360	360	20121201
	210	 	 	0.00	 	20120727	1000000.00	0.045000	360	360	20120901
	211	 	 	0.00	 	20121016	1000000.00	0.043750	360	360	20121201
	212	 	 	0.00	 	20121025	1147000.00	0.043750	360	360	20121201
	213	 	 	0.00	 	20121101	1155000.00	0.038750	360	360	20130101
	214	 	 	0.00	 	20120808	1523000.00	0.041250	360	360	20121001
	215	 	 	0.00	 	20120117	1693000.00	0.043750	360	360	20120301
	216	 	 	199999.00	 	20121018	521000.00	0.040000	360	360	20121201
	217	 	 	0.00	 	20120904	570000.00	0.040000	360	360	20121101
	218	 	 	0.00	 	20120920	583000.00	0.040000	360	360	20121101
	219	 	 	0.00	 	20120906	608000.00	0.045000	360	360	20121101
	220	 	 	0.00	 	20121024	625000.00	0.042500	360	360	20121201
	221	 	 	0.00	 	20121018	644000.00	0.041250	360	360	20121201
	222	 	 	0.00	 	20120914	688000.00	0.043750	360	360	20121101
	223	 	 	0.00	 	20120917	694000.00	0.043750	360	360	20121101
	224	 	 	0.00	 	20121119	701500.00	0.038750	360	360	20130101
	225	 	 	200000.00	 	20120926	707000.00	0.043750	360	360	20121201
	226	 	 	0.00	 	20120928	870000.00	0.038750	360	360	20121101
	227	 	 	0.00	 	20121001	870000.00	0.042500	360	360	20121201
	228	 	 	0.00	 	20121019	925000.00	0.040000	360	360	20121201
	229	 	 	0.00	 	20120904	931000.00	0.042500	360	360	20121101
	230	 	 	0.00	 	20120918	954750.00	0.042500	360	360	20121101
	231	 	 	0.00	 	20120821	963000.00	0.043750	360	360	20121001
	232	 	 	0.00	 	20120926	978000.00	0.040000	360	360	20121101
	233	 	 	0.00	 	20121022	999750.00	0.042500	360	360	20121201
	234	 	 	0.00	 	20121022	526000.00	0.041250	360	360	20121201
	235	 	 	0.00	 	20121024	576000.00	0.040000	360	360	20121201
	236	 	 	0.00	 	20121017	763750.00	0.040000	360	360	20121201
	237	 	 	0.00	 	20110520	490000.00	0.048750	360	360	20110701
	238	 	 	0.00	 	20110404	500000.00	0.048750	360	360	20110601
	239	 	 	0.00	 	20120509	495000.00	0.039900	360	360	20120701
	240	 	 	50000.00	 	20120523	519000.00	0.039900	360	360	20120701
	241	 	 	0.00	 	20120511	558000.00	0.039900	360	360	20120701
	242	 	 	0.00	 	20120613	565000.00	0.039900	360	360	20120801
	243	 	 	0.00	 	20120524	616000.00	0.039900	360	360	20120701
	244	 	 	0.00	 	20110805	650000.00	0.046250	360	360	20111001
	245	 	 	0.00	 	20120113	645000.00	0.042500	360	360	20120301
	246	 	 	0.00	 	20101221	670000.00	0.048750	360	360	20110201
	247	 	 	350000.00	 	20120619	675000.00	0.039900	360	360	20120801
	248	 	 	450000.00	 	20120621	675000.00	0.039900	360	360	20120801
	249	 	 	0.00	 	20120321	700000.00	0.039900	360	360	20120501
	250	 	 	0.00	 	20120326	706000.00	0.039900	360	360	20120501
	251	 	 	0.00	 	20120330	706000.00	0.041250	360	360	20120601
	252	 	 	200000.00	 	20120716	735000.00	0.039900	360	360	20120901
	253	 	 	0.00	 	20120405	747000.00	0.039900	360	360	20120601
	254	 	 	0.00	 	20120312	750000.00	0.041250	360	360	20120501
	255	 	 	0.00	 	20110610	900000.00	0.048750	360	360	20110801
	256	 	 	0.00	 	20091218	800000.00	0.055000	360	360	20100201
	257	 	 	0.00	 	20120103	790000.00	0.042500	360	360	20120301
	258	 	 	0.00	 	20110815	830000.00	0.046250	360	360	20111001
	259	 	 	0.00	 	20120223	831000.00	0.039900	360	360	20120401
	260	 	 	0.00	 	20091019	890000.00	0.055000	360	360	20091201
	261	 	 	0.00	 	20120308	926000.00	0.041250	360	360	20120501
	262	 	 	200000.00	 	20120223	980000.00	0.039900	360	360	20120401
	263	 	 	0.00	 	20120613	1000000.00	0.039900	360	360	20120801
	264	 	 	0.00	 	20111215	1100000.00	0.046250	360	360	20120201
	265	 	 	0.00	 	20120323	1323000.00	0.042500	360	360	20120501
	266	 	 	0.00	 	20121024	740000.00	0.040000	360	360	20121201
	267	 	 	0.00	 	20121023	534000.00	0.042500	360	360	20121201
	268	 	 	0.00	 	20121024	545000.00	0.037500	360	360	20121201
	269	 	 	0.00	 	20121023	559992.00	0.043750	360	360	20121201
	270	 	 	0.00	 	20120823	623500.00	0.043750	360	360	20121001
	271	 	 	0.00	 	20121029	675000.00	0.036250	360	360	20121201
	272	 	 	0.00	 	20121025	693000.00	0.038750	360	360	20121201
	273	 	 	150000.00	 	20121008	697000.00	0.040000	360	360	20121201
	274	 	 	0.00	 	20121030	709000.00	0.038750	360	360	20121201
	275	 	 	0.00	 	20121001	850000.00	0.033750	180	180	20121101
	276	 	 	0.00	 	20121011	924000.00	0.040000	360	360	20121201
	277	 	 	0.00	 	20121029	962500.00	0.040000	360	360	20121201
	278	 	 	0.00	 	20121008	964000.00	0.038750	360	360	20121201
	279	 	 	0.00	 	20121018	1000000.00	0.038750	360	360	20121201

 

	 	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	0	0	 	696994.31	0.040000	3332.36	20130101	0	 
	2	1	0	0	 	733404.31	0.037500	3407.14	20130101	0	 
	3	1	0	0	 	837575.41	0.040000	4010.29	20130101	0	 
	4	1	0	0	 	872417.74	0.038750	4114.57	20130101	0	 
	5	1	0	0	 	994333.90	0.041250	4846.49	20130101	0	 
	6	1	0	0	 	539168.58	0.036250	2462.68	20130101	0	 
	7	1	0	0	 	574374.05	0.041250	2791.58	20130101	0	 
	8	1	0	0	 	644111.38	0.042500	3173.01	20130101	0	 
	9	1	0	0	 	997013.85	0.040000	4773.68	20130101	0	 
	10	1	0	0	 	721956.26	0.041250	3508.86	20130101	0	 
	11	1	0	0	 	557422.04	0.041250	2709.19	20130101	0	 
	12	1	0	0	 	771249.52	0.045000	3933.90	20130101	0	 
	13	1	0	0	 	560189.55	0.033750	2484.58	20130101	0	 
	14	1	0	0	 	590365.89	0.042500	2912.28	20130101	0	 
	15	1	0	0	 	607242.16	0.040000	2907.46	20130101	0	 
	16	1	0	0	 	742974.36	0.043750	3724.67	20130101	0	 
	17	1	0	0	 	801679.30	0.040000	3838.42	20130101	0	 
	18	1	0	0	 	838518.08	0.038750	3954.69	20130101	0	 
	19	1	0	0	 	994762.70	0.041250	4841.65	20130101	0	 
	20	1	0	0	 	1135376.38	0.043750	5691.85	20130101	0	 
	21	1	0	0	 	492772.21	0.037500	3628.84	20130101	0	 
	22	1	0	0	 	496549.37	0.041250	2409.92	20130101	0	 
	23	1	0	0	 	500582.93	0.041250	2432.94	20130101	0	 
	24	1	0	0	 	516936.64	0.041250	2512.42	20130101	0	 
	25	1	0	0	 	558383.60	0.040000	2673.53	20130101	0	 
	26	1	0	0	 	558488.60	0.043750	2796.00	20130101	0	 
	27	1	0	0	 	563481.96	0.043750	2848.42	20130101	0	39
	28	1	0	0	 	588733.39	0.041250	2861.37	20130101	0	 
	29	1	0	0	 	612186.98	0.038750	2887.26	20130101	0	 
	30	1	0	0	 	644488.33	0.041250	3215.65	20130101	0	39
	31	1	0	0	 	663080.51	0.040000	3174.81	20130101	0	 
	32	1	0	0	 	669312.47	0.040000	3204.65	20130101	0	 
	33	1	0	0	 	685162.93	0.035000	4961.28	20130101	0	 
	34	1	0	0	 	690068.43	0.041250	3363.47	20130101	0	 
	35	1	0	0	 	741899.81	0.041250	3605.79	20130101	0	 
	36	1	0	0	 	760195.16	0.035000	5504.60	20130101	0	 
	37	1	0	0	 	777798.19	0.041250	3780.27	20130101	0	 
	38	1	0	0	 	789528.78	0.032500	5621.35	20130101	0	 
	39	1	0	0	 	929240.75	0.038570	4373.02	20130101	0	 
	40	1	0	0	 	947196.39	0.038750	4467.25	20130101	0	 
	41	1	0	0	 	957290.08	0.041250	4652.64	20130101	0	 
	42	1	0	0	 	997112.57	0.040000	4774.15	20130101	0	 
	43	1	0	0	 	997176.16	0.041250	4846.49	20130101	0	 
	44	1	0	0	 	1101151.43	0.037500	5186.89	20130101	0	39
	45	1	0	0	 	499521.47	0.038750	2355.89	20130101	0	 
	46	1	0	0	 	730930.86	0.041250	3552.48	20130101	0	 
	47	1	0	0	 	1420977.47	0.041250	6906.26	20130101	0	 
	48	1	0	0	 	640532.09	0.042500	3164.16	20130101	0	 
	49	1	0	0	 	951069.41	0.043750	4774.42	20130101	0	 
	50	1	0	0	 	1010086.69	0.033750	4509.38	20130101	0	39
	51	1	0	0	 	651263.63	0.041250	3174.46	20130101	0	 
	52	1	0	0	 	997177.17	0.041250	4846.50	20130101	0	 
	53	1	0	0	 	473036.83	0.033750	3396.38	20130101	0	 
	54	1	0	0	 	495761.67	0.035000	3574.41	20130101	0	 
	55	1	0	0	 	527761.78	0.036250	3853.94	20130101	0	 
	56	1	0	0	 	560427.68	0.040000	2683.31	20130101	0	 
	57	1	0	0	 	560912.16	0.041250	2726.15	20130101	0	 
	58	1	0	0	 	560947.31	0.042500	2767.16	20130101	0	 
	59	1	0	0	 	578288.33	0.038750	2727.38	20130101	0	 
	60	1	0	0	 	589573.85	0.041250	2883.67	20130101	0	39
	61	1	0	0	 	634283.48	0.043750	3175.45	20130101	0	 
	62	1	0	0	 	641640.11	0.033750	4606.94	20130101	0	 
	63	1	0	0	 	663923.32	0.036250	4848.25	20130101	0	 
	64	1	0	0	 	666414.33	0.035000	3031.05	20130101	0	39
	65	1	0	0	 	743604.80	0.041250	3634.87	20130101	0	39
	66	1	0	0	 	746828.10	0.035000	3385.80	20130101	0	39
	67	1	0	0	 	749450.16	0.036250	3444.56	20130101	0	39
	68	1	0	0	 	763882.86	0.037500	3575.72	20130101	0	39
	69	1	0	0	 	789019.18	0.037500	3704.92	20130101	0	39
	70	1	0	0	 	797586.39	0.037500	3704.92	20130101	0	 
	71	1	0	0	 	821770.84	0.037500	3883.22	20130101	0	39
	72	1	0	0	 	835609.23	0.035000	3794.43	20130101	0	39
	73	1	0	0	 	839170.77	0.040000	4017.93	20130101	0	 
	74	1	0	0	 	870374.79	0.042500	4299.55	20130101	0	 
	75	1	0	0	 	882557.10	0.042500	4353.67	20130101	0	 
	76	1	0	0	 	965267.49	0.041250	4691.41	20130101	0	 
	77	1	0	0	 	1195022.59	0.042500	5903.28	20130101	0	 
	78	1	0	0	 	2986402.21	0.037500	13893.47	20130101	0	 
	79	1	0	0	 	780861.56	0.028750	3256.91	20130101	0	39
	80	1	120	0	 	731250.00	0.040000	2437.50	20130101	0	39
	81	1	0	0	 	605986.85	0.036250	2794.00	20130101	0	39
	82	1	0	0	 	318320.87	0.033750	2873.63	20130101	0	39
	83	1	0	0	 	857053.21	0.038750	4042.11	20130101	0	 
	84	1	0	0	 	555394.72	0.038750	4107.26	20130101	0	 
	85	1	0	0	 	780023.50	0.043750	3910.40	20130101	0	 
	86	1	0	0	 	883696.21	0.038750	4161.60	20130101	0	 
	87	1	0	0	 	895349.85	0.038750	4222.73	20130101	0	 
	88	1	0	0	 	898644.46	0.037500	4168.04	20130101	0	 
	89	1	0	0	 	530394.95	0.037500	2463.77	20130101	0	 
	90	1	0	0	 	639160.88	0.037500	2964.52	20130101	0	 
	91	1	0	0	 	658983.81	0.036250	3009.94	20130101	0	 
	92	1	0	0	 	661681.52	0.041250	3220.50	20130101	0	 
	93	1	0	0	 	662023.27	0.038750	3117.67	20130101	0	 
	94	1	0	0	 	672097.42	0.041250	3266.54	20130101	0	 
	95	1	0	0	 	674946.16	0.040000	3231.62	20130101	0	 
	96	1	0	0	 	678080.47	0.041250	3295.62	20130101	0	 
	97	1	0	0	 	685924.30	0.037500	3186.24	20130101	0	 
	98	1	0	0	 	686100.89	0.042500	3384.55	20130101	0	 
	99	1	0	0	 	705887.33	0.035000	3174.75	20130101	0	 
	100	1	0	0	 	707046.31	0.043750	3534.94	20130101	0	 
	101	1	0	0	 	712538.74	0.037500	3309.86	20130101	0	 
	102	1	0	0	 	720442.05	0.035000	5218.64	20130101	0	 
	103	1	0	0	 	736551.37	0.045000	3741.87	20130101	0	 
	104	1	0	0	 	745049.22	0.042500	3685.61	20130101	0	 
	105	1	0	0	 	757902.14	0.042500	3738.74	20130101	0	 
	106	1	0	0	 	778850.91	0.038750	3667.85	20130101	0	 
	107	1	0	0	 	781737.03	0.040000	3742.94	20130101	0	 
	108	1	0	0	 	786671.52	0.038750	3710.17	20130101	0	 
	109	1	0	0	 	797639.07	0.038750	3761.90	20130101	0	 
	110	1	0	0	 	816138.51	0.038750	3860.65	20130101	0	 
	111	1	0	0	 	822618.68	0.040000	3938.68	20130101	0	 
	112	1	0	0	 	840673.01	0.042500	4147.05	20130101	0	 
	113	1	0	0	 	940809.96	0.038750	4443.74	20130101	0	 
	114	1	0	0	 	972247.74	0.041250	4725.33	20130101	0	 
	115	1	0	0	 	1029585.43	0.041250	5004.01	20130101	0	 
	116	1	0	0	 	1120347.07	0.038750	5276.06	20130101	0	 
	117	1	0	0	 	1235922.25	0.040000	5917.56	20130101	0	 
	118	1	0	0	 	784159.80	0.041250	3816.62	20130101	0	 
	119	1	0	0	 	590328.87	0.041250	2869.13	20130101	0	 
	120	1	0	0	 	703463.83	0.046250	3664.79	20130101	0	39
	121	1	0	0	 	722860.41	0.038750	3409.22	20130101	0	 
	122	1	0	0	 	894185.06	0.033750	3978.87	20130101	0	39
	123	1	0	0	 	1046969.24	0.040000	5012.86	20130101	0	 
	124	1	0	0	 	1225486.01	0.043750	6203.62	20130101	0	39
	125	1	0	0	 	1295624.44	0.040000	6203.41	20130101	0	 
	126	1	0	0	 	493213.96	0.046250	2583.55	20130101	0	39
	127	1	0	0	 	528844.74	0.038750	2497.90	20130101	0	 
	128	1	0	0	 	645371.84	0.043750	3235.37	20130101	0	 
	129	1	0	0	 	737667.41	0.035000	3322.93	20130101	0	 
	130	1	0	0	 	829651.40	0.041250	4032.29	20130101	0	 
	131	1	0	0	 	939654.89	0.040000	4499.04	20130101	0	 
	132	1	0	0	 	648387.74	0.042500	3207.45	20130101	0	 
	133	1	0	0	 	672200.21	0.042500	3320.59	20130101	0	 
	134	1	0	0	 	708939.19	0.035000	5111.41	20130101	0	 
	135	1	0	0	 	718918.88	0.040000	3442.16	20130101	0	 
	136	1	0	0	 	736361.77	0.042500	3632.48	20130101	0	 
	137	1	0	0	 	837521.02	0.038750	3949.99	20130101	0	 
	138	1	0	0	 	904729.13	0.040000	4344.48	20130101	0	 
	139	1	0	0	 	963796.19	0.037500	4470.22	20130101	0	 
	140	1	0	0	 	996982.97	0.037500	4631.16	20130101	0	 
	141	1	0	0	 	997167.19	0.041250	4846.45	20130101	0	 
	142	1	0	0	 	582387.95	0.042500	2872.93	20130101	0	 
	143	1	0	0	 	647995.40	0.036250	2964.33	20130101	0	 
	144	1	0	0	 	697979.50	0.040000	3341.91	20130101	0	 
	145	1	0	0	 	777798.19	0.041250	3780.27	20130101	0	 
	146	1	0	0	 	922645.76	0.036250	4220.75	20130101	0	 
	147	1	0	0	 	937225.91	0.038750	4420.23	20130101	0	 
	148	1	0	0	 	995663.12	0.040000	4774.15	20130101	0	 
	149	1	0	0	 	997048.84	0.038750	4702.37	20130101	0	 
	150	1	0	0	 	1017454.68	0.040000	4871.55	20130101	0	 
	151	1	0	0	 	1080800.95	0.038750	5097.37	20130101	0	 
	152	1	0	0	 	1177763.94	0.038750	5554.68	20130101	0	 
	153	1	0	0	 	499585.75	0.041250	2428.10	20130101	0	 
	154	1	0	0	 	571952.16	0.043750	2863.40	20130101	0	 
	155	1	0	0	 	619086.61	0.038750	2915.47	20130101	0	 
	156	1	0	0	 	622315.86	0.043750	3115.54	20130101	0	 
	157	1	0	0	 	643219.59	0.042500	3173.01	20130101	0	 
	158	1	0	0	 	697888.09	0.037500	3241.81	20130101	0	 
	159	1	0	0	 	850482.66	0.038750	4011.12	20130101	0	 
	160	1	0	0	 	918038.89	0.033750	6591.47	20130101	0	 
	161	1	0	0	 	810082.88	0.038750	5990.73	20130101	0	 
	162	1	0	0	 	858651.60	0.037500	3988.58	20130101	0	 
	163	1	0	0	 	685877.04	0.037500	3190.87	20130101	0	 
	164	1	0	0	 	696638.90	0.042500	3431.77	20130101	0	 
	165	1	0	0	 	965143.27	0.038750	4551.89	20130101	0	 
	166	1	0	0	 	1464741.29	0.036250	6690.27	20130101	0	 
	167	1	0	0	 	512299.78	0.041250	2489.89	20130101	0	 
	168	1	0	0	 	687030.61	0.041250	3334.39	20130101	0	 
	169	1	0	0	 	895621.06	0.038750	4224.01	20130101	0	 
	170	1	0	0	 	677948.43	0.037500	3149.19	20130101	0	 
	171	1	0	0	 	542996.99	0.042500	2678.61	20130101	0	 
	172	1	0	0	 	549373.91	0.038750	2591.01	20130101	0	 
	173	1	0	0	 	602191.80	0.042500	2974.76	20130101	0	 
	174	1	0	0	 	611008.73	0.042500	3014.12	20130101	0	 
	175	1	0	0	 	663878.21	0.040000	3178.63	20130101	0	 
	176	1	0	0	 	698110.75	0.043750	3495.00	20130101	0	 
	177	1	0	0	 	853529.21	0.040000	4086.67	20130101	0	 
	178	1	0	0	 	679840.75	0.041250	3299.50	20130101	0	 
	179	1	0	0	 	697888.09	0.037500	3241.81	20130101	0	 
	180	1	0	0	 	732830.90	0.038750	3456.24	20130101	0	 
	181	1	0	0	 	834795.48	0.040000	3991.19	20130101	0	 
	182	1	0	0	 	862390.29	0.037500	4005.95	20130101	0	 
	183	1	0	0	 	909538.56	0.043750	4553.48	20130101	0	 
	184	1	0	0	 	995663.12	0.040000	4774.15	20130101	0	 
	185	1	0	0	 	1088321.75	0.036250	4970.96	20130101	0	 
	186	1	0	0	 	583348.64	0.041250	2835.20	20130101	0	 
	187	1	0	0	 	648038.94	0.037500	3010.25	20130101	0	 
	188	1	0	0	 	972058.42	0.037500	4515.38	20130101	0	 
	189	1	0	0	 	991317.25	0.043750	4962.90	20130101	0	 
	190	1	0	0	 	474595.24	0.038750	2238.33	20130101	0	 
	191	1	0	0	 	518596.55	0.043750	2596.28	20130101	0	 
	192	1	0	0	 	599173.36	0.042500	2951.64	20130101	0	 
	193	1	0	0	 	648165.17	0.041250	3150.22	20130101	0	 
	194	1	0	0	 	650216.91	0.047500	3422.01	20130101	0	 
	195	1	0	0	 	678268.03	0.035000	4932.69	20130101	0	 
	196	1	0	0	 	700268.30	0.043750	3510.57	20130101	0	 
	197	1	0	0	 	702965.06	0.040000	3365.78	20130101	0	 
	198	1	0	0	 	703916.48	0.038750	3319.87	20130101	0	 
	199	1	0	0	 	704050.35	0.043750	3519.96	20130101	0	 
	200	1	0	0	 	708992.96	0.041250	3445.86	20130101	0	 
	201	1	0	0	 	709037.41	0.042500	3497.69	20130101	0	 
	202	1	0	0	 	711622.27	0.040000	3413.52	20130101	0	 
	203	1	0	0	 	719008.03	0.042500	3541.97	20130101	0	 
	204	1	0	0	 	732878.24	0.041250	3567.02	20130101	0	 
	205	1	0	0	 	807209.20	0.043750	4069.17	20130101	0	39
	206	1	0	0	 	821500.73	0.041250	3998.36	20130101	0	 
	207	1	0	0	 	847653.71	0.042500	4181.49	20130101	0	 
	208	1	0	0	 	896346.90	0.038750	4227.43	20130101	0	 
	209	1	0	0	 	959284.44	0.041250	4662.33	20130101	0	 
	210	1	0	0	 	993355.99	0.045000	5066.85	20130101	0	 
	211	1	0	0	 	997301.05	0.043750	4992.85	20130101	0	 
	212	1	0	0	 	1143904.31	0.043750	5726.80	20130101	0	 
	213	1	0	0	 	1153298.45	0.038750	5431.24	20130101	0	 
	214	1	0	0	 	1514372.03	0.041250	7381.22	20130101	0	 
	215	1	0	0	 	1665398.05	0.043750	8452.90	20130101	0	39
	216	1	0	0	 	519496.17	0.040000	2487.33	20130101	0	 
	217	1	0	0	 	567527.98	0.040000	2721.27	20130101	0	 
	218	1	0	0	 	580471.59	0.040000	2783.33	20130101	0	 
	219	1	0	0	 	605589.04	0.045000	3080.65	20130101	0	 
	220	1	0	0	 	623274.79	0.042500	3074.62	20130101	0	 
	221	1	0	0	 	642182.10	0.041250	3121.14	20130101	0	 
	222	1	0	0	 	685209.60	0.043750	3435.08	20130101	0	 
	223	1	0	0	 	691185.28	0.043750	3465.04	20130101	0	 
	224	1	0	0	 	700466.55	0.038750	3298.71	20130101	0	 
	225	1	0	0	 	705091.84	0.043750	3529.95	20130101	0	 
	226	1	0	0	 	866142.52	0.038750	4091.06	20130101	0	 
	227	1	0	0	 	867598.50	0.042500	4279.88	20130101	0	 
	228	1	0	0	 	922330.04	0.040000	4416.09	20130101	0	 
	229	1	0	0	 	927138.35	0.042500	4579.96	20130101	0	 
	230	1	0	0	 	950789.83	0.042500	4696.80	20130101	0	 
	231	1	0	0	 	957782.85	0.043750	4808.12	20130101	0	 
	232	1	0	0	 	973758.53	0.040000	4669.12	20130101	0	 
	233	1	0	0	 	996990.34	0.042500	4918.17	20130101	0	 
	234	1	0	0	 	524515.20	0.041250	2549.26	20130101	0	 
	235	1	0	0	 	574337.41	0.040000	2749.91	20130101	0	 
	236	1	0	0	 	761545.50	0.040000	3646.26	20130101	0	 
	237	1	0	0	 	476927.62	0.039900	2336.51	20130101	0	 
	238	1	0	0	 	480968.73	0.039900	2380.07	20130101	0	 
	239	1	0	0	 	489948.52	0.039900	2360.35	20130101	0	 
	240	1	0	0	 	513285.90	0.039900	2474.79	20130101	0	 
	241	1	0	0	 	552305.58	0.039900	2660.76	20130101	0	 
	242	1	0	0	 	560066.05	0.039900	2694.14	20130101	0	 
	243	1	0	0	 	607780.76	0.039900	2937.33	20130101	0	 
	244	1	0	0	 	633191.12	0.039900	3101.86	20130101	0	 
	245	1	0	0	 	634296.41	0.042500	3173.01	20130101	0	 
	246	1	0	0	 	647840.72	0.041250	3247.15	20130101	0	 
	247	1	0	0	 	669105.49	0.039900	3218.66	20130101	0	 
	248	1	0	0	 	669105.49	0.039900	3218.66	20130101	0	 
	249	1	0	0	 	690784.78	0.039900	3337.87	20130101	0	 
	250	1	0	0	 	696705.80	0.039900	3366.48	20130101	0	 
	251	1	0	0	 	697945.56	0.041250	3421.63	20130101	0	 
	252	1	0	0	 	729550.60	0.039900	3504.77	20130101	0	 
	253	1	0	0	 	736433.12	0.039900	3561.99	20130101	0	 
	254	1	0	0	 	740125.43	0.041250	3634.87	20130101	0	 
	255	1	0	0	 	755354.45	0.039900	4291.55	20130101	0	 
	256	1	0	0	 	761320.03	0.039900	3814.71	20130101	0	 
	257	1	0	0	 	777813.17	0.042500	3886.33	20130101	0	 
	258	1	0	0	 	810924.89	0.039900	3962.12	20130101	0	 
	259	1	0	0	 	817145.17	0.039900	3962.53	20130101	0	 
	260	1	0	0	 	842435.03	0.039900	4270.91	20130101	0	 
	261	1	0	0	 	914094.62	0.041250	4487.86	20130101	0	 
	262	1	0	0	 	965641.26	0.039900	4673.02	20130101	0	 
	263	1	0	0	 	991267.35	0.039900	4768.39	20130101	0	 
	264	1	0	0	 	1070963.66	0.041150	5324.76	20130101	0	 
	265	1	0	0	 	1306361.07	0.042500	6508.36	20130101	0	 
	266	1	0	0	 	737864.03	0.040000	3532.87	20130101	0	 
	267	1	0	0	 	532525.97	0.042500	2626.96	20130101	0	 
	268	1	0	0	 	543355.74	0.037500	2523.98	20130101	0	 
	269	1	0	0	 	558480.62	0.043750	2795.96	20130101	0	 
	270	1	0	0	 	620122.14	0.043750	3113.04	20130101	0	 
	271	1	0	0	 	672918.29	0.036250	3078.35	20130101	0	 
	272	1	0	0	 	690954.85	0.038750	3258.74	20130101	0	 
	273	1	0	0	 	694988.16	0.040000	3327.58	20130101	0	 
	274	1	0	0	 	706907.63	0.038750	3333.98	20130101	0	 
	275	1	0	0	 	839067.83	0.033750	6024.46	20130101	0	 
	276	1	0	0	 	921332.93	0.040000	4411.32	20130101	0	 
	277	1	0	0	 	959721.80	0.040000	4595.12	20130101	0	 
	278	1	0	0	 	961155.08	0.038750	4533.09	20130101	0	 
	279	1	0	0	 	997048.84	0.038750	4702.37	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	 	 	 	 	 	 	 	 	 	 
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	26	 	 	 	 	 	 	 	 	 	 
	27	45	0.022500	3	0.001250	120	0.050000	0.050000	12	0.020000	0.020000
	28	 	 	 	 	 	 	 	 	 	 
	29	 	 	 	 	 	 	 	 	 	 
	30	45	0.022500	3	0.001250	120	0.050000	0.050000	12	0.020000	0.020000
	31	 	 	 	 	 	 	 	 	 	 
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	44	45	0.022500	3	0.001250	60	0.050000	0.050000	12	0.020000	0.020000
	45	 	 	 	 	 	 	 	 	 	 
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	50	45	0.022500	3	0.001250	84	0.050000	0.050000	12	0.020000	0.020000
	51	 	 	 	 	 	 	 	 	 	 
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	60	45	0.022500	3	0.001250	120	0.050000	0.050000	12	0.020000	0.020000
	61	 	 	 	 	 	 	 	 	 	 
	62	 	 	 	 	 	 	 	 	 	 
	63	 	 	 	 	 	 	 	 	 	 
	64	45	0.022500	3	0.001250	60	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	60	0.050000	0.050000	12	0.020000	0.020000
	67	45	0.022500	3	0.001250	60	0.050000	0.050000	12	0.020000	0.020000
	68	45	0.022500	3	0.001250	60	0.050000	0.050000	12	0.020000	0.020000
	69	45	0.022500	3	0.001250	60	0.050000	0.050000	12	0.020000	0.020000
	70	 	 	 	 	 	 	 	 	 	 
	71	45	0.022500	3	0.001250	60	0.050000	0.050000	12	0.020000	0.020000
	72	45	0.022500	3	0.001250	60	0.050000	0.050000	12	0.020000	0.020000
	73	 	 	 	 	 	 	 	 	 	 
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	79	45	0.022500	3	0.001250	60	0.050000	0.050000	12	0.020000	0.020000
	80	45	0.022500	3	0.001250	60	0.050000	0.050000	12	0.020000	0.020000
	81	45	0.022500	3	0.001250	60	0.050000	0.050000	12	0.020000	0.020000
	82	45	0.022500	3	0.001250	60	0.050000	0.050000	12	0.020000	0.020000
	83	 	 	 	 	 	 	 	 	 	 
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	120	45	0.022500	3	0.001250	120	0.050000	0.050000	12	0.020000	0.020000
	121	 	 	 	 	 	 	 	 	 	 
	122	45	0.022500	3	0.001250	60	0.050000	0.050000	12	0.020000	0.020000
	123	 	 	 	 	 	 	 	 	 	 
	124	45	0.022500	3	0.001250	120	0.050000	0.050000	12	0.020000	0.020000
	125	 	 	 	 	 	 	 	 	 	 
	126	45	0.027500	3	0.001250	120	0.050000	0.050000	12	0.020000	0.020000
	127	 	 	 	 	 	 	 	 	 	 
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	205	45	0.022500	3	0.001250	120	0.050000	0.050000	12	0.020000	0.020000
	206	 	 	 	 	 	 	 	 	 	 
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	215	45	0.022500	3	0.001250	120	0.050000	0.050000	12	0.020000	0.020000
	216	 	 	 	 	 	 	 	 	 	 
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	261	 	 	 	 	 	 	 	 	 	 
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	263	 	 	 	 	 	 	 	 	 	 
	264	 	 	 	 	 	 	 	 	 	 
	265	 	 	 	 	 	 	 	 	 	 
	266	 	 	 	 	 	 	 	 	 	 
	267	 	 	 	 	 	 	 	 	 	 
	268	 	 	 	 	 	 	 	 	 	 
	269	 	 	 	 	 	 	 	 	 	 
	270	 	 	 	 	 	 	 	 	 	 
	271	 	 	 	 	 	 	 	 	 	 
	272	 	 	 	 	 	 	 	 	 	 
	273	 	 	 	 	 	 	 	 	 	 
	274	 	 	 	 	 	 	 	 	 	 
	275	 	 	 	 	 	 	 	 	 	 
	276	 	 	 	 	 	 	 	 	 	 
	277	 	 	 	 	 	 	 	 	 	 
	278	 	 	 	 	 	 	 	 	 	 
	279	 	 	 	 	 	 	 	 	 	 

 

	 	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	 	 	 	 	 	 	 	 	 	 
	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	0.093750	0.022500	 	 	 	 	 	 	 	 
	28	 	 	 	 	 	 	 	 	 	 
	29	 	 	 	 	 	 	 	 	 	 
	30	0.091250	0.022500	 	 	 	 	 	 	 	 
	31	 	 	 	 	 	 	 	 	 	 
	32	 	 	 	 	 	 	 	 	 	 
	33	 	 	 	 	 	 	 	 	 	 
	34	 	 	 	 	 	 	 	 	 	 
	35	 	 	 	 	 	 	 	 	 	 
	36	 	 	 	 	 	 	 	 	 	 
	37	 	 	 	 	 	 	 	 	 	 
	38	 	 	 	 	 	 	 	 	 	 
	39	 	 	 	 	 	 	 	 	 	 
	40	 	 	 	 	 	 	 	 	 	 
	41	 	 	 	 	 	 	 	 	 	 
	42	 	 	 	 	 	 	 	 	 	 
	43	 	 	 	 	 	 	 	 	 	 
	44	0.087500	0.022500	 	 	 	 	 	 	 	 
	45	 	 	 	 	 	 	 	 	 	 
	46	 	 	 	 	 	 	 	 	 	 
	47	 	 	 	 	 	 	 	 	 	 
	48	 	 	 	 	 	 	 	 	 	 
	49	 	 	 	 	 	 	 	 	 	 
	50	0.083750	0.022500	 	 	 	 	 	 	 	 
	51	 	 	 	 	 	 	 	 	 	 
	52	 	 	 	 	 	 	 	 	 	 
	53	 	 	 	 	 	 	 	 	 	 
	54	 	 	 	 	 	 	 	 	 	 
	55	 	 	 	 	 	 	 	 	 	 
	56	 	 	 	 	 	 	 	 	 	 
	57	 	 	 	 	 	 	 	 	 	 
	58	 	 	 	 	 	 	 	 	 	 
	59	 	 	 	 	 	 	 	 	 	 
	60	0.091250	0.022500	 	 	 	 	 	 	 	 
	61	 	 	 	 	 	 	 	 	 	 
	62	 	 	 	 	 	 	 	 	 	 
	63	 	 	 	 	 	 	 	 	 	 
	64	0.085000	0.022500	 	 	 	 	 	 	 	 
	65	0.091250	0.022500	 	 	 	 	 	 	 	 
	66	0.085000	0.022500	 	 	 	 	 	 	 	 
	67	0.086250	0.022500	 	 	 	 	 	 	 	 
	68	0.087500	0.022500	 	 	 	 	 	 	 	 
	69	0.087500	0.022500	 	 	 	 	 	 	 	 
	70	 	 	 	 	 	 	 	 	 	 
	71	0.087500	0.022500	 	 	 	 	 	 	 	 
	72	0.085000	0.022500	 	 	 	 	 	 	 	 
	73	 	 	 	 	 	 	 	 	 	 
	74	 	 	 	 	 	 	 	 	 	 
	75	 	 	 	 	 	 	 	 	 	 
	76	 	 	 	 	 	 	 	 	 	 
	77	 	 	 	 	 	 	 	 	 	 
	78	 	 	 	 	 	 	 	 	 	 
	79	0.078750	0.022500	 	 	 	 	 	 	 	 
	80	0.090000	0.022500	 	 	 	 	 	 	 	 
	81	0.086250	0.022500	 	 	 	 	 	 	 	 
	82	0.083750	0.022500	 	 	 	 	 	 	 	 
	83	 	 	 	 	 	 	 	 	 	 
	84	 	 	 	 	 	 	 	 	 	 
	85	 	 	 	 	 	 	 	 	 	 
	86	 	 	 	 	 	 	 	 	 	 
	87	 	 	 	 	 	 	 	 	 	 
	88	 	 	 	 	 	 	 	 	 	 
	89	 	 	 	 	 	 	 	 	 	 
	90	 	 	 	 	 	 	 	 	 	 
	91	 	 	 	 	 	 	 	 	 	 
	92	 	 	 	 	 	 	 	 	 	 
	93	 	 	 	 	 	 	 	 	 	 
	94	 	 	 	 	 	 	 	 	 	 
	95	 	 	 	 	 	 	 	 	 	 
	96	 	 	 	 	 	 	 	 	 	 
	97	 	 	 	 	 	 	 	 	 	 
	98	 	 	 	 	 	 	 	 	 	 
	99	 	 	 	 	 	 	 	 	 	 
	100	 	 	 	 	 	 	 	 	 	 
	101	 	 	 	 	 	 	 	 	 	 
	102	 	 	 	 	 	 	 	 	 	 
	103	 	 	 	 	 	 	 	 	 	 
	104	 	 	 	 	 	 	 	 	 	 
	105	 	 	 	 	 	 	 	 	 	 
	106	 	 	 	 	 	 	 	 	 	 
	107	 	 	 	 	 	 	 	 	 	 
	108	 	 	 	 	 	 	 	 	 	 
	109	 	 	 	 	 	 	 	 	 	 
	110	 	 	 	 	 	 	 	 	 	 
	111	 	 	 	 	 	 	 	 	 	 
	112	 	 	 	 	 	 	 	 	 	 
	113	 	 	 	 	 	 	 	 	 	 
	114	 	 	 	 	 	 	 	 	 	 
	115	 	 	 	 	 	 	 	 	 	 
	116	 	 	 	 	 	 	 	 	 	 
	117	 	 	 	 	 	 	 	 	 	 
	118	 	 	 	 	 	 	 	 	 	 
	119	 	 	 	 	 	 	 	 	 	 
	120	0.096250	0.022500	 	 	 	 	 	 	 	 
	121	 	 	 	 	 	 	 	 	 	 
	122	0.083750	0.022500	 	 	 	 	 	 	 	 
	123	 	 	 	 	 	 	 	 	 	 
	124	0.093750	0.022500	 	 	 	 	 	 	 	 
	125	 	 	 	 	 	 	 	 	 	 
	126	0.096250	0.027500	 	 	 	 	 	 	 	 
	127	 	 	 	 	 	 	 	 	 	 
	128	 	 	 	 	 	 	 	 	 	 
	129	 	 	 	 	 	 	 	 	 	 
	130	 	 	 	 	 	 	 	 	 	 
	131	 	 	 	 	 	 	 	 	 	 
	132	 	 	 	 	 	 	 	 	 	 
	133	 	 	 	 	 	 	 	 	 	 
	134	 	 	 	 	 	 	 	 	 	 
	135	 	 	 	 	 	 	 	 	 	 
	136	 	 	 	 	 	 	 	 	 	 
	137	 	 	 	 	 	 	 	 	 	 
	138	 	 	 	 	 	 	 	 	 	 
	139	 	 	 	 	 	 	 	 	 	 
	140	 	 	 	 	 	 	 	 	 	 
	141	 	 	 	 	 	 	 	 	 	 
	142	 	 	 	 	 	 	 	 	 	 
	143	 	 	 	 	 	 	 	 	 	 
	144	 	 	 	 	 	 	 	 	 	 
	145	 	 	 	 	 	 	 	 	 	 
	146	 	 	 	 	 	 	 	 	 	 
	147	 	 	 	 	 	 	 	 	 	 
	148	 	 	 	 	 	 	 	 	 	 
	149	 	 	 	 	 	 	 	 	 	 
	150	 	 	 	 	 	 	 	 	 	 
	151	 	 	 	 	 	 	 	 	 	 
	152	 	 	 	 	 	 	 	 	 	 
	153	 	 	 	 	 	 	 	 	 	 
	154	 	 	 	 	 	 	 	 	 	 
	155	 	 	 	 	 	 	 	 	 	 
	156	 	 	 	 	 	 	 	 	 	 
	157	 	 	 	 	 	 	 	 	 	 
	158	 	 	 	 	 	 	 	 	 	 
	159	 	 	 	 	 	 	 	 	 	 
	160	 	 	 	 	 	 	 	 	 	 
	161	 	 	 	 	 	 	 	 	 	 
	162	 	 	 	 	 	 	 	 	 	 
	163	 	 	 	 	 	 	 	 	 	 
	164	 	 	 	 	 	 	 	 	 	 
	165	 	 	 	 	 	 	 	 	 	 
	166	 	 	 	 	 	 	 	 	 	 
	167	 	 	 	 	 	 	 	 	 	 
	168	 	 	 	 	 	 	 	 	 	 
	169	 	 	 	 	 	 	 	 	 	 
	170	 	 	 	 	 	 	 	 	 	 
	171	 	 	 	 	 	 	 	 	 	 
	172	 	 	 	 	 	 	 	 	 	 
	173	 	 	 	 	 	 	 	 	 	 
	174	 	 	 	 	 	 	 	 	 	 
	175	 	 	 	 	 	 	 	 	 	 
	176	 	 	 	 	 	 	 	 	 	 
	177	 	 	 	 	 	 	 	 	 	 
	178	 	 	 	 	 	 	 	 	 	 
	179	 	 	 	 	 	 	 	 	 	 
	180	 	 	 	 	 	 	 	 	 	 
	181	 	 	 	 	 	 	 	 	 	 
	182	 	 	 	 	 	 	 	 	 	 
	183	 	 	 	 	 	 	 	 	 	 
	184	 	 	 	 	 	 	 	 	 	 
	185	 	 	 	 	 	 	 	 	 	 
	186	 	 	 	 	 	 	 	 	 	 
	187	 	 	 	 	 	 	 	 	 	 
	188	 	 	 	 	 	 	 	 	 	 
	189	 	 	 	 	 	 	 	 	 	 
	190	 	 	 	 	 	 	 	 	 	 
	191	 	 	 	 	 	 	 	 	 	 
	192	 	 	 	 	 	 	 	 	 	 
	193	 	 	 	 	 	 	 	 	 	 
	194	 	 	 	 	 	 	 	 	 	 
	195	 	 	 	 	 	 	 	 	 	 
	196	 	 	 	 	 	 	 	 	 	 
	197	 	 	 	 	 	 	 	 	 	 
	198	 	 	 	 	 	 	 	 	 	 
	199	 	 	 	 	 	 	 	 	 	 
	200	 	 	 	 	 	 	 	 	 	 
	201	 	 	 	 	 	 	 	 	 	 
	202	 	 	 	 	 	 	 	 	 	 
	203	 	 	 	 	 	 	 	 	 	 
	204	 	 	 	 	 	 	 	 	 	 
	205	0.093750	0.022500	 	 	 	 	 	 	 	 
	206	 	 	 	 	 	 	 	 	 	 
	207	 	 	 	 	 	 	 	 	 	 
	208	 	 	 	 	 	 	 	 	 	 
	209	 	 	 	 	 	 	 	 	 	 
	210	 	 	 	 	 	 	 	 	 	 
	211	 	 	 	 	 	 	 	 	 	 
	212	 	 	 	 	 	 	 	 	 	 
	213	 	 	 	 	 	 	 	 	 	 
	214	 	 	 	 	 	 	 	 	 	 
	215	0.093750	0.022500	 	 	 	 	 	 	 	 
	216	 	 	 	 	 	 	 	 	 	 
	217	 	 	 	 	 	 	 	 	 	 
	218	 	 	 	 	 	 	 	 	 	 
	219	 	 	 	 	 	 	 	 	 	 
	220	 	 	 	 	 	 	 	 	 	 
	221	 	 	 	 	 	 	 	 	 	 
	222	 	 	 	 	 	 	 	 	 	 
	223	 	 	 	 	 	 	 	 	 	 
	224	 	 	 	 	 	 	 	 	 	 
	225	 	 	 	 	 	 	 	 	 	 
	226	 	 	 	 	 	 	 	 	 	 
	227	 	 	 	 	 	 	 	 	 	 
	228	 	 	 	 	 	 	 	 	 	 
	229	 	 	 	 	 	 	 	 	 	 
	230	 	 	 	 	 	 	 	 	 	 
	231	 	 	 	 	 	 	 	 	 	 
	232	 	 	 	 	 	 	 	 	 	 
	233	 	 	 	 	 	 	 	 	 	 
	234	 	 	 	 	 	 	 	 	 	 
	235	 	 	 	 	 	 	 	 	 	 
	236	 	 	 	 	 	 	 	 	 	 
	237	 	 	 	 	 	 	 	 	 	 
	238	 	 	 	 	 	 	 	 	 	 
	239	 	 	 	 	 	 	 	 	 	 
	240	 	 	 	 	 	 	 	 	 	 
	241	 	 	 	 	 	 	 	 	 	 
	242	 	 	 	 	 	 	 	 	 	 
	243	 	 	 	 	 	 	 	 	 	 
	244	 	 	 	 	 	 	 	 	 	 
	245	 	 	 	 	 	 	 	 	 	 
	246	 	 	 	 	 	 	 	 	 	 
	247	 	 	 	 	 	 	 	 	 	 
	248	 	 	 	 	 	 	 	 	 	 
	249	 	 	 	 	 	 	 	 	 	 
	250	 	 	 	 	 	 	 	 	 	 
	251	 	 	 	 	 	 	 	 	 	 
	252	 	 	 	 	 	 	 	 	 	 
	253	 	 	 	 	 	 	 	 	 	 
	254	 	 	 	 	 	 	 	 	 	 
	255	 	 	 	 	 	 	 	 	 	 
	256	 	 	 	 	 	 	 	 	 	 
	257	 	 	 	 	 	 	 	 	 	 
	258	 	 	 	 	 	 	 	 	 	 
	259	 	 	 	 	 	 	 	 	 	 
	260	 	 	 	 	 	 	 	 	 	 
	261	 	 	 	 	 	 	 	 	 	 
	262	 	 	 	 	 	 	 	 	 	 
	263	 	 	 	 	 	 	 	 	 	 
	264	 	 	 	 	 	 	 	 	 	 
	265	 	 	 	 	 	 	 	 	 	 
	266	 	 	 	 	 	 	 	 	 	 
	267	 	 	 	 	 	 	 	 	 	 
	268	 	 	 	 	 	 	 	 	 	 
	269	 	 	 	 	 	 	 	 	 	 
	270	 	 	 	 	 	 	 	 	 	 
	271	 	 	 	 	 	 	 	 	 	 
	272	 	 	 	 	 	 	 	 	 	 
	273	 	 	 	 	 	 	 	 	 	 
	274	 	 	 	 	 	 	 	 	 	 
	275	 	 	 	 	 	 	 	 	 	 
	276	 	 	 	 	 	 	 	 	 	 
	277	 	 	 	 	 	 	 	 	 	 
	278	 	 	 	 	 	 	 	 	 	 
	279	 	 	 	 	 	 	 	 	 	 

 

	 	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	 	 	 	 	 	 	 	0	 	172
	2	 	 	 	 	 	 	 	0	 	257
	3	 	 	 	 	 	 	 	0	 	231
	4	 	 	 	 	 	 	 	0	 	186
	5	 	 	 	 	 	 	 	0	 	393
	6	 	 	 	 	 	 	 	0	 	352
	7	 	 	 	 	 	 	 	0	 	138
	8	 	 	 	 	 	 	 	0	 	350
	9	 	 	 	 	 	 	 	0	 	36
	10	 	 	 	 	 	 	 	0	 	394
	11	 	 	 	 	 	 	 	0	 	153
	12	 	 	 	 	 	 	 	0	 	326
	13	 	 	 	 	 	 	 	0	 	211
	14	 	 	 	 	 	 	 	0	 	194
	15	 	 	 	 	 	 	 	0	 	213
	16	 	 	 	 	 	 	 	0	 	170
	17	 	 	 	 	 	 	 	0	 	205
	18	 	 	 	 	 	 	 	0	 	29
	19	 	 	 	 	 	 	 	0	 	85
	20	 	 	 	 	 	 	 	0	 	200
	21	 	 	 	 	 	 	 	0	 	261
	22	 	 	 	 	 	 	 	0	 	494
	23	 	 	 	 	 	 	 	0	 	136
	24	 	 	 	 	 	 	 	0	 	527
	25	 	 	 	 	 	 	 	0	 	294
	26	 	 	 	 	 	 	 	0	 	219
	27	 	 	 	 	 	 	 	0	 	511
	28	 	 	 	 	 	 	 	0	 	334
	29	 	 	 	 	 	 	 	0	 	32
	30	 	 	 	 	 	 	 	0	 	38
	31	 	 	 	 	 	 	 	0	 	467
	32	 	 	 	 	 	 	 	0	 	82
	33	 	 	 	 	 	 	 	0	 	202
	34	 	 	 	 	 	 	 	0	 	190
	35	 	 	 	 	 	 	 	0	 	137
	36	 	 	 	 	 	 	 	0	 	404
	37	 	 	 	 	 	 	 	0	 	225
	38	 	 	 	 	 	 	 	0	 	373
	39	 	 	 	 	 	 	 	0	 	495
	40	 	 	 	 	 	 	 	0	 	174
	41	 	 	 	 	 	 	 	0	 	466
	42	 	 	 	 	 	 	 	0	 	35
	43	 	 	 	 	 	 	 	0	 	444
	44	 	 	 	 	 	 	 	0	 	523
	45	 	 	 	 	 	 	 	0	 	486
	46	 	 	 	 	 	 	 	0	 	478
	47	 	 	 	 	 	 	 	0	 	513
	48	 	 	 	 	 	 	 	0	 	379
	49	 	 	 	 	 	 	 	0	 	411
	50	 	 	 	 	 	 	 	0	 	376
	51	 	 	 	 	 	 	 	0	 	77
	52	 	 	 	 	 	 	 	0	 	241
	53	 	 	 	 	 	 	 	0	 	306
	54	 	 	 	 	 	 	 	0	 	291
	55	 	 	 	 	 	 	 	0	 	340
	56	 	 	 	 	 	 	 	0	 	242
	57	 	 	 	 	 	 	 	0	 	72
	58	 	 	 	 	 	 	 	0	 	171
	59	 	 	 	 	 	 	 	0	 	335
	60	 	 	 	 	 	 	 	0	 	239
	61	 	 	 	 	 	 	 	0	 	359
	62	 	 	 	 	 	 	 	0	 	277
	63	 	 	 	 	 	 	 	0	 	256
	64	 	 	 	 	 	 	 	0	 	503
	65	 	 	 	 	 	 	 	0	 	175
	66	 	 	 	 	 	 	 	0	 	284
	67	 	 	 	 	 	 	 	0	 	316
	68	 	 	 	 	 	 	 	0	 	46
	69	 	 	 	 	 	 	 	0	 	521
	70	 	 	 	 	 	 	 	0	 	122
	71	 	 	 	 	 	 	 	0	 	234
	72	 	 	 	 	 	 	 	0	 	286
	73	 	 	 	 	 	 	 	0	 	278
	74	 	 	 	 	 	 	 	0	 	489
	75	 	 	 	 	 	 	 	0	 	375
	76	 	 	 	 	 	 	 	0	 	517
	77	 	 	 	 	 	 	 	0	 	367
	78	 	 	 	 	 	 	 	0	 	74
	79	 	 	 	 	 	 	 	0	 	322
	80	 	 	 	 	 	 	 	0	 	199
	81	 	 	 	 	 	 	 	0	 	258
	82	 	 	 	 	 	 	 	0	 	279
	83	 	 	 	 	 	 	 	0	 	314
	84	 	 	 	 	 	 	 	0	 	62
	85	 	 	 	 	 	 	 	0	 	25
	86	 	 	 	 	 	 	 	0	 	369
	87	 	 	 	 	 	 	 	0	 	204
	88	 	 	 	 	 	 	 	0	 	54
	89	 	 	 	 	 	 	 	0	 	345
	90	 	 	 	 	 	 	 	0	 	483
	91	 	 	 	 	 	 	 	0	 	470
	92	 	 	 	 	 	 	 	0	 	206
	93	 	 	 	 	 	 	 	0	 	414
	94	 	 	 	 	 	 	 	0	 	327
	95	 	 	 	 	 	 	 	0	 	453
	96	 	 	 	 	 	 	 	0	 	519
	97	 	 	 	 	 	 	 	0	 	450
	98	 	 	 	 	 	 	 	0	 	474
	99	 	 	 	 	 	 	 	0	 	236
	100	 	 	 	 	 	 	 	0	 	114
	101	 	 	 	 	 	 	 	0	 	480
	102	 	 	 	 	 	 	 	0	 	425
	103	 	 	 	 	 	 	 	0	 	485
	104	 	 	 	 	 	 	 	0	 	344
	105	 	 	 	 	 	 	 	0	 	417
	106	 	 	 	 	 	 	 	0	 	501
	107	 	 	 	 	 	 	 	0	 	315
	108	 	 	 	 	 	 	 	0	 	460
	109	 	 	 	 	 	 	 	0	 	463
	110	 	 	 	 	 	 	 	0	 	430
	111	 	 	 	 	 	 	 	0	 	445
	112	 	 	 	 	 	 	 	0	 	374
	113	 	 	 	 	 	 	 	0	 	442
	114	 	 	 	 	 	 	 	0	 	451
	115	 	 	 	 	 	 	 	0	 	230
	116	 	 	 	 	 	 	 	0	 	295
	117	 	 	 	 	 	 	 	0	 	406
	118	 	 	 	 	 	 	 	0	 	69
	119	 	 	 	 	 	 	 	0	 	395
	120	 	 	 	 	 	 	 	0	 	330
	121	 	 	 	 	 	 	 	0	 	232
	122	 	 	 	 	 	 	 	0	 	516
	123	 	 	 	 	 	 	 	0	 	362
	124	 	 	 	 	 	 	 	0	 	459
	125	 	 	 	 	 	 	 	0	 	384
	126	 	 	 	 	 	 	 	0	 	364
	127	 	 	 	 	 	 	 	0	 	243
	128	 	 	 	 	 	 	 	0	 	360
	129	 	 	 	 	 	 	 	0	 	125
	130	 	 	 	 	 	 	 	0	 	358
	131	 	 	 	 	 	 	 	0	 	124
	132	 	 	 	 	 	 	 	0	 	308
	133	 	 	 	 	 	 	 	0	 	386
	134	 	 	 	 	 	 	 	0	 	420
	135	 	 	 	 	 	 	 	0	 	215
	136	 	 	 	 	 	 	 	0	 	475
	137	 	 	 	 	 	 	 	0	 	313
	138	 	 	 	 	 	 	 	0	 	251
	139	 	 	 	 	 	 	 	0	 	166
	140	 	 	 	 	 	 	 	0	 	385
	141	 	 	 	 	 	 	 	0	 	471
	142	 	 	 	 	 	 	 	0	 	134
	143	 	 	 	 	 	 	 	0	 	297
	144	 	 	 	 	 	 	 	0	 	302
	145	 	 	 	 	 	 	 	0	 	353
	146	 	 	 	 	 	 	 	0	 	140
	147	 	 	 	 	 	 	 	0	 	457
	148	 	 	 	 	 	 	 	0	 	130
	149	 	 	 	 	 	 	 	0	 	113
	150	 	 	 	 	 	 	 	0	 	487
	151	 	 	 	 	 	 	 	0	 	30
	152	 	 	 	 	 	 	 	0	 	441
	153	 	 	 	 	 	 	 	0	 	212
	154	 	 	 	 	 	 	 	0	 	89
	155	 	 	 	 	 	 	 	0	 	33
	156	 	 	 	 	 	 	 	0	 	432
	157	 	 	 	 	 	 	 	0	 	26
	158	 	 	 	 	 	 	 	0	 	108
	159	 	 	 	 	 	 	 	0	 	324
	160	 	 	 	 	 	 	 	0	 	73
	161	 	 	 	 	 	 	 	0	 	289
	162	 	 	 	 	 	 	 	0	 	128
	163	 	 	 	 	 	 	 	0	 	126
	164	 	 	 	 	 	 	 	0	 	240
	165	 	 	 	 	 	 	 	0	 	508
	166	 	 	 	 	 	 	 	0	 	94
	167	 	 	 	 	 	 	 	0	 	528
	168	 	 	 	 	 	 	 	0	 	336
	169	 	 	 	 	 	 	 	0	 	422
	170	 	 	 	 	 	 	 	0	 	405
	171	 	 	 	 	 	 	 	0	 	307
	172	 	 	 	 	 	 	 	0	 	201
	173	 	 	 	 	 	 	 	0	 	192
	174	 	 	 	 	 	 	 	0	 	461
	175	 	 	 	 	 	 	 	0	 	383
	176	 	 	 	 	 	 	 	0	 	506
	177	 	 	 	 	 	 	 	0	 	439
	178	 	 	 	 	 	 	 	0	 	415
	179	 	 	 	 	 	 	 	0	 	88
	180	 	 	 	 	 	 	 	0	 	149
	181	 	 	 	 	 	 	 	0	 	518
	182	 	 	 	 	 	 	 	0	 	429
	183	 	 	 	 	 	 	 	0	 	407
	184	 	 	 	 	 	 	 	0	 	63
	185	 	 	 	 	 	 	 	0	 	410
	186	 	 	 	 	 	 	 	0	 	198
	187	 	 	 	 	 	 	 	0	 	147
	188	 	 	 	 	 	 	 	0	 	150
	189	 	 	 	 	 	 	 	0	 	98
	190	 	 	 	 	 	 	 	0	 	9
	191	 	 	 	 	 	 	 	0	 	437
	192	 	 	 	 	 	 	 	0	 	290
	193	 	 	 	 	 	 	 	0	 	337
	194	 	 	 	 	 	 	 	0	 	387
	195	 	 	 	 	 	 	 	0	 	127
	196	 	 	 	 	 	 	 	0	 	361
	197	 	 	 	 	 	 	 	0	 	426
	198	 	 	 	 	 	 	 	0	 	454
	199	 	 	 	 	 	 	 	0	 	507
	200	 	 	 	 	 	 	 	0	 	476
	201	 	 	 	 	 	 	 	0	 	403
	202	 	 	 	 	 	 	 	0	 	477
	203	 	 	 	 	 	 	 	0	 	493
	204	 	 	 	 	 	 	 	0	 	338
	205	 	 	 	 	 	 	 	0	 	223
	206	 	 	 	 	 	 	 	0	 	423
	207	 	 	 	 	 	 	 	0	 	60
	208	 	 	 	 	 	 	 	0	 	218
	209	 	 	 	 	 	 	 	0	 	435
	210	 	 	 	 	 	 	 	0	 	424
	211	 	 	 	 	 	 	 	0	 	421
	212	 	 	 	 	 	 	 	0	 	391
	213	 	 	 	 	 	 	 	0	 	146
	214	 	 	 	 	 	 	 	0	 	399
	215	 	 	 	 	 	 	 	0	 	431
	216	 	 	 	 	 	 	 	0	 	34
	217	 	 	 	 	 	 	 	0	 	28
	218	 	 	 	 	 	 	 	0	 	224
	219	 	 	 	 	 	 	 	0	 	303
	220	 	 	 	 	 	 	 	0	 	357
	221	 	 	 	 	 	 	 	0	 	91
	222	 	 	 	 	 	 	 	0	 	490
	223	 	 	 	 	 	 	 	0	 	343
	224	 	 	 	 	 	 	 	0	 	300
	225	 	 	 	 	 	 	 	0	 	101
	226	 	 	 	 	 	 	 	0	 	504
	227	 	 	 	 	 	 	 	0	 	380
	228	 	 	 	 	 	 	 	0	 	409
	229	 	 	 	 	 	 	 	0	 	227
	230	 	 	 	 	 	 	 	0	 	497
	231	 	 	 	 	 	 	 	0	 	59
	232	 	 	 	 	 	 	 	0	 	427
	233	 	 	 	 	 	 	 	0	 	526
	234	 	 	 	 	 	 	 	0	 	281
	235	 	 	 	 	 	 	 	0	 	13
	236	 	 	 	 	 	 	 	0	 	179
	237	 	 	 	 	 	 	 	0	 	75
	238	 	 	 	 	 	 	 	0	 	57
	239	 	 	 	 	 	 	 	0	 	14
	240	 	 	 	 	 	 	 	0	 	7
	241	 	 	 	 	 	 	 	0	 	55
	242	 	 	 	 	 	 	 	0	 	24
	243	 	 	 	 	 	 	 	0	 	10
	244	 	 	 	 	 	 	 	0	 	5
	245	 	 	 	 	 	 	 	0	 	23
	246	 	 	 	 	 	 	 	0	 	440
	247	 	 	 	 	 	 	 	0	 	49
	248	 	 	 	 	 	 	 	0	 	121
	249	 	 	 	 	 	 	 	0	 	97
	250	 	 	 	 	 	 	 	0	 	19
	251	 	 	 	 	 	 	 	0	 	11
	252	 	 	 	 	 	 	 	0	 	347
	253	 	 	 	 	 	 	 	0	 	18
	254	 	 	 	 	 	 	 	0	 	44
	255	 	 	 	 	 	 	 	0	 	178
	256	 	 	 	 	 	 	 	0	 	65
	257	 	 	 	 	 	 	 	0	 	22
	258	 	 	 	 	 	 	 	0	 	217
	259	 	 	 	 	 	 	 	0	 	3
	260	 	 	 	 	 	 	 	0	 	27
	261	 	 	 	 	 	 	 	0	 	301
	262	 	 	 	 	 	 	 	0	 	12
	263	 	 	 	 	 	 	 	0	 	92
	264	 	 	 	 	 	 	 	0	 	8
	265	 	 	 	 	 	 	 	0	 	16
	266	 	 	 	 	 	 	 	0	 	76
	267	 	 	 	 	 	 	 	0	 	397
	268	 	 	 	 	 	 	 	0	 	104
	269	 	 	 	 	 	 	 	0	 	341
	270	 	 	 	 	 	 	 	0	 	418
	271	 	 	 	 	 	 	 	0	 	398
	272	 	 	 	 	 	 	 	0	 	472
	273	 	 	 	 	 	 	 	0	 	465
	274	 	 	 	 	 	 	 	0	 	68
	275	 	 	 	 	 	 	 	0	 	21
	276	 	 	 	 	 	 	 	0	 	509
	277	 	 	 	 	 	 	 	0	 	469
	278	 	 	 	 	 	 	 	0	 	282
	279	 	 	 	 	 	 	 	0	 	31

 

 

	 	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	 	0	 	0	0	0	1	 	 
	2	1	 	0	 	33	 	0	1	 	 
	3	1	 	0	 	6.5	 	5	1	 	 
	4	2	 	0	 	2	 	14	1	 	 
	5	1	 	0	 	5	18	11	1	 	 
	6	2	 	1	 	6	 	0	1	 	 
	7	1	 	0	 	4	1	1.5	1	 	 
	8	1	 	1	 	20	21	7	1	 	 
	9	1	 	0	 	9.75	 	1	1	 	 
	10	1	 	0	 	5	4.5	0	1	 	 
	11	2	 	0	 	1.25	6	0	1	 	 
	12	1	 	0	 	1	 	5	1	20121212	 
	13	1	 	0	 	28	 	8	1	 	 
	14	1	 	0	 	0	 	1	1	 	 
	15	1	 	0	 	7	7	1	1	 	 
	16	1	 	0	 	9.8	0	2	1	 	 
	17	1	 	0	 	1.25	 	6	1	 	 
	18	1	 	0	 	10	 	4	1	 	 
	19	2	 	0	 	0.5	2.8	0	1	 	 
	20	2	 	1	 	6.9	0.6	0	1	 	 
	21	1	 	0	 	1	6	6	1	 	 
	22	1	 	0	 	16.5	6.5	14	1	 	 
	23	1	 	1	 	20	12	7	1	 	 
	24	3	 	0	 	0	8	0	1	 	 
	25	1	 	1	 	10	10	18	1	 	 
	26	1	 	1	 	30	 	13	1	 	 
	27	2	 	0	 	0	 	0	1	20121212	 
	28	1	 	1	 	7	 	7	1	 	 
	29	1	 	0	 	0	5.5	2	1	 	 
	30	2	 	0	 	30	22	16	1	20121212	 
	31	5	 	0	 	4	5.5	16	1	 	 
	32	2	 	0	 	0	 	0	1	 	 
	33	1	 	1	 	8.5	 	9	1	 	 
	34	2	 	1	 	33	 	13	1	 	 
	35	1	 	1	 	3	 	6	1	 	 
	36	3	 	1	 	33	33	4	1	 	 
	37	1	 	1	 	20.75	20.75	6	1	 	 
	38	3	 	1	 	15	 	3	1	 	 
	39	1	 	0	 	6.75	9	7	1	 	 
	40	1	 	0	 	11.5	 	2.5	1	 	 
	41	1	 	0	 	13	 	1.25	1	 	 
	42	3	 	1	 	5	9	1	1	 	 
	43	2	 	1	 	32.25	12	1	1	 	 
	44	1	 	0	 	4	 	1	1	20121212	 
	45	1	 	0	 	2.25	 	2	1	 	 
	46	2	 	0	 	3.5	3.5	1	1	 	 
	47	2	 	1	 	9	3.5	0	1	 	 
	48	3	 	0	 	10	 	0	1	 	 
	49	2	 	0	 	31	15	0	1	 	 
	50	2	 	0	 	22.9	0	9	1	20121212	 
	51	2	 	1	 	8.5	 	1	1	 	 
	52	1	 	1	 	16.25	 	3	1	 	 
	53	1	 	0	 	0	0.75	0	1	 	 
	54	3	 	0	 	12	 	0	1	 	 
	55	4	 	1	 	28	13	5	1	 	 
	56	1	 	0	 	5	 	5	1	 	 
	57	1	 	0	 	3	9.5	0	1	 	 
	58	2	 	0	 	3.5	10	0	1	 	 
	59	2	 	1	 	20	 	0	1	 	 
	60	2	 	0	 	6.5	 	0	1	20121212	 
	61	2	 	0	 	5	 	0	1	 	 
	62	2	 	0	 	8.5	 	1.5	1	 	 
	63	2	 	1	 	29	 	20	1	 	 
	64	2	 	0	 	11	 	0	1	20121212	 
	65	1	 	0	 	4.25	 	0	1	20121212	 
	66	2	 	1	 	8	0	0	1	20121212	 
	67	1	 	0	 	4.75	4.25	0	1	20121212	 
	68	1	 	1	 	15	 	0	1	20121212	 
	69	1	 	0	 	0	 	0	1	20121212	 
	70	2	 	0	 	14	 	0	1	 	 
	71	1	 	1	 	2.6	0	7	1	20121212	 
	72	3	 	1	 	16	15	0	1	20121212	 
	73	1	 	0	 	13	4.5	0	1	 	 
	74	2	 	1	 	5	 	0	1	 	 
	75	2	 	1	 	12	12	10	1	 	 
	76	1	 	1	 	5	 	4	1	 	 
	77	1	 	0	 	21	 	0	1	 	 
	78	3	 	0	 	21.5	18.5	0.75	1	 	 
	79	1	 	0	 	3.1	0	2.92	1	 	 
	80	2	 	0	 	0	0	5.25	1	20121212	 
	81	1	 	0	 	0.8	0	5.17	1	20121212	 
	82	1	 	0	 	1.6	0	0	1	20121218	 
	83	1	 	0	 	12	 	4	1	 	 
	84	3	 	1	 	55	40	0	1	 	 
	85	2	 	0	 	19	 	0	1	 	 
	86	3	 	1	 	14	17	2	1	 	 
	87	1	 	0	 	2.25	1	3.25	1	 	 
	88	1	 	0	 	39	2	11	1	 	 
	89	2	 	0	 	30	2	0	1	 	 
	90	3	 	0	 	18	6	1	1	 	 
	91	1	 	0	 	0.5	 	17	1	 	 
	92	2	 	1	 	29	 	13	1	 	 
	93	2	 	0	 	10	 	0	1	 	 
	94	1	 	0	 	1.75	 	1	1	 	 
	95	2	 	0	 	4	4	2.25	1	 	 
	96	1	 	0	 	9	5	5	1	 	 
	97	1	 	0	 	0	 	18	1	 	 
	98	2	 	0	 	3.25	7	6	1	 	 
	99	1	 	0	 	4	4	3	1	 	 
	100	4	 	1	 	7.5	 	0	1	 	 
	101	1	 	0	 	3	 	3	1	 	 
	102	3	 	0	 	0	 	9	1	 	 
	103	1	 	0	 	9.5	 	8	1	 	 
	104	1	 	0	 	14	 	0	1	 	 
	105	1	 	0	 	0.25	 	6	1	 	 
	106	1	 	0	 	0	 	0	1	 	 
	107	3	 	0	 	10.25	7.5	0	1	 	 
	108	1	 	0	 	18	0.5	4	1	 	 
	109	2	 	0	 	4	 	14	1	 	 
	110	1	 	0	 	0	 	17	1	 	 
	111	3	 	0	 	0	 	0	1	 	 
	112	3	 	0	 	20	0	1	1	 	 
	113	1	 	0	 	6	35	8	1	 	 
	114	2	 	0	 	5	0	0	1	 	 
	115	1	 	0	 	0.5	 	15	1	 	 
	116	3	 	1	 	22	 	11	1	 	 
	117	4	 	1	 	30	 	1	1	 	 
	118	2	 	1	 	9	 	0	1	 	 
	119	1	 	0	 	5	3	0	1	 	 
	120	1	 	0	 	14	11	4	1	20121212	 
	121	2	 	0	 	18.5	11	0	1	 	 
	122	1	 	0	 	4	 	0	1	 	 
	123	1	 	0	 	0	 	0	1	 	 
	124	3	 	1	 	15	4	0	1	20121212	 
	125	1	 	0	 	5	9.5	0	1	 	 
	126	1	 	1	 	0.5	3.8	4	1	20121212	 
	127	3	 	0	 	0.3	0	0	1	 	 
	128	1	 	1	 	9.6	5	11	1	 	 
	129	3	 	0	 	13	13	0	1	 	 
	130	1	 	0	 	2	 	1.5	1	 	 
	131	1	 	0	 	8.5	12	0	1	 	 
	132	1	 	0	 	19	 	11	1	 	 
	133	1	 	0	 	14	11	11	1	 	 
	134	2	 	0	 	11	 	2	1	 	 
	135	1	 	0	 	0	2	1	1	 	 
	136	1	 	0	 	7	0	0	1	 	 
	137	2	 	0	 	7	5	1.5	1	 	 
	138	2	 	0	 	4	7	0	1	 	 
	139	1	 	0	 	0.25	5.5	0	1	 	 
	140	1	 	0	 	1	1	0	1	 	 
	141	1	 	0	 	0	2	9	1	 	 
	142	2	 	0	 	5	9	0	1	 	 
	143	1	 	0	 	6	 	0	1	 	 
	144	2	 	0	 	28	 	15	1	 	 
	145	3	 	0	 	5.5	 	3	1	 	 
	146	2	 	0	 	10	 	0	1	 	 
	147	1	 	0	 	11	1	0	1	 	 
	148	1	 	0	 	2	6.75	2.25	1	 	 
	149	2	 	0	 	4	5	0	1	 	 
	150	1	 	0	 	12	 	1.5	1	 	 
	151	1	 	0	 	7	 	1	1	 	 
	152	3	 	0	 	27	 	0	1	 	 
	153	1	 	0	 	2	 	5	1	 	 
	154	1	 	1	 	8	3.25	1	1	 	 
	155	4	 	0	 	3.25	 	0	1	 	 
	156	1	 	0	 	8.5	 	1	1	 	 
	157	2	 	0	 	0.25	5	0.75	1	 	 
	158	1	 	1	 	10	 	0	1	 	 
	159	1	 	0	 	15	 	3	1	 	 
	160	1	 	0	 	9	 	4	1	 	 
	161	1	 	0	 	20	5	10	1	 	 
	162	1	 	0	 	2	 	3	1	 	 
	163	1	 	0	 	15	 	2	1	 	 
	164	1	 	1	 	18	 	0	1	 	 
	165	1	 	0	 	7.75	 	7.5	1	 	 
	166	3	 	0	 	4	12	4	1	 	 
	167	3	 	0	 	1.75	 	0	1	 	 
	168	1	 	0	 	31	 	0	1	 	 
	169	4	 	1	 	20	4	1.5	1	 	 
	170	2	 	0	 	0	15	0	1	 	 
	171	1	 	0	 	1	 	5	1	 	 
	172	2	 	0	 	4.5	 	1.75	1	 	 
	173	1	 	0	 	7	 	8	1	 	 
	174	1	 	0	 	30	25	39	1	 	 
	175	1	 	0	 	5	12	3	1	 	 
	176	4	 	0	 	2	6.5	0	1	 	 
	177	1	 	0	 	0.75	 	0.25	1	 	 
	178	1	 	0	 	6.75	7.5	2	1	 	 
	179	1	 	0	 	0	 	0	1	 	 
	180	1	 	1	 	1	 	0	1	 	 
	181	4	 	0	 	3	8	0	1	 	 
	182	1	 	0	 	12.5	2	0.5	1	 	 
	183	1	 	0	 	11	 	7	1	 	 
	184	2	 	1	 	16	 	1	1	 	 
	185	2	 	0	 	2.25	 	0	1	 	 
	186	1	 	1	 	11	 	7	1	 	 
	187	1	 	0	 	14.5	 	0	1	 	 
	188	4	 	1	 	3.5	 	0	1	 	 
	189	2	 	1	 	21	 	4	1	 	 
	190	1	 	0	 	7	9	1	1	 	 
	191	2	 	0	 	3	2	0	1	 	 
	192	2	 	1	 	20	 	1	1	 	 
	193	1	 	1	 	20	 	5	1	 	 
	194	1	 	0	 	4	 	8	1	20121212	 
	195	4	 	0	 	13	20	13	1	 	 
	196	2	 	0	 	2	 	0	1	 	 
	197	1	 	0	 	8	23	5	1	 	 
	198	2	 	1	 	7.25	 	3	1	 	 
	199	1	 	0	 	6	 	3	1	 	 
	200	3	 	0	 	30	18	7	1	 	 
	201	2	 	0	 	17	 	18	1	 	 
	202	1	 	0	 	3	 	17	1	 	 
	203	1	 	0	 	11	 	0	1	 	 
	204	1	 	0	 	2	12	14	1	 	 
	205	1	 	0	 	0	 	19	1	20121212	 
	206	3	 	0	 	2.5	 	9	1	 	 
	207	1	 	1	 	8.25	1	2	1	 	 
	208	1	 	0	 	16	4.25	5	1	 	 
	209	2	 	0	 	3.75	 	0	1	 	 
	210	2	 	0	 	13.25	1	0.5	1	 	 
	211	4	 	1	 	17	17	0	1	 	 
	212	2	 	1	 	20.25	 	14	1	 	 
	213	1	 	0	 	22	2.5	11	1	 	 
	214	2	 	1	 	0	10.25	9	1	 	 
	215	2	 	1	 	10	10	18	1	20121212	 
	216	2	 	0	 	39	4	22	1	 	 
	217	1	 	0	 	8	5	2.75	1	 	 
	218	1	 	0	 	4	0	6.75	1	 	 
	219	1	 	0	 	15.2	0	5.5	1	 	 
	220	2	 	0	 	2	9	0	1	 	 
	221	1	 	0	 	7	7	3.25	1	 	 
	222	2	 	0	 	11.6	11.4	1	1	 	 
	223	1	 	1	 	0.5	 	10	1	 	 
	224	1	 	0	 	7	 	7	1	 	 
	225	1	 	0	 	7.5	 	9	1	 	 
	226	1	 	0	 	5	10	1	1	 	 
	227	1	 	1	 	24	 	24	1	 	 
	228	2	 	0	 	17	1	0	1	 	 
	229	1	 	1	 	8.6	5.6	2	1	 	 
	230	2	 	0	 	4.9	0	0	1	 	 
	231	3	 	0	 	0.8	0	3	1	 	 
	232	1	 	0	 	10	14	2	1	 	 
	233	1	 	0	 	3.5	4.5	4	1	 	 
	234	1	 	0	 	0	5	1	1	 	 
	235	1	 	0	 	12	 	0	1	 	 
	236	2	 	0	 	3	 	2.5	1	 	 
	237	2	 	0	 	20	 	0	1	20121022	 
	238	2	 	0	 	14	 	0	1	20121022	 
	239	1	 	0	 	15	5	14	1	20121022	 
	240	1	 	0	 	10	10	4.5	1	20121022	 
	241	1	 	0	 	4	 	1	1	20121022	 
	242	1	 	0	 	10	 	6	1	20121022	 
	243	1	 	1	 	9	6	7	1	20121022	 
	244	1	 	0	 	7	0	0	1	20121022	 
	245	1	 	0	 	1.5	 	1	1	20121022	 
	246	1	 	0	 	1	 	6	1	20121022	 
	247	1	 	0	 	6	3	3	1	20121022	 
	248	1	 	0	 	25	 	0	1	20121022	 
	249	1	 	0	 	2.5	 	5	1	20121022	 
	250	3	 	1	 	20	 	5	1	20121022	 
	251	4	 	0	 	31	 	7	1	20121022	 
	252	1	 	0	 	6	2.25	12.25	1	20121022	 
	253	1	 	0	 	11	25	6	1	20121022	 
	254	1	 	0	 	0.75	1	10	1	20121022	 
	255	1	 	0	 	1	1.5	0	1	20121022	 
	256	1	 	0	 	0.5	2	0	1	20121022	 
	257	1	 	0	 	8	 	0	1	20121022	 
	258	1	 	0	 	0	 	0	1	20121022	 
	259	3	 	0	 	3	11	7	1	20121022	 
	260	1	 	0	 	6.5	9	3.75	1	20121022	 
	261	1	 	0	 	1.25	7	2.5	1	20121022	 
	262	2	 	1	 	11	3	2.25	1	20121022	 
	263	1	 	0	 	5	 	2.5	1	20121022	 
	264	2	 	1	 	24	 	24	1	20121022	 
	265	1	 	0	 	6	 	4	1	20121022	 
	266	4	 	1	 	10	 	0	1	 	 
	267	2	 	0	 	18	 	31	1	 	 
	268	4	 	0	 	2.75	6	7	1	 	 
	269	2	 	1	 	3.75	 	0	1	 	 
	270	1	 	1	 	6	 	6	1	 	 
	271	2	 	0	 	18	 	0	1	 	 
	272	3	 	0	 	3	13	8	1	 	 
	273	4	 	1	 	17	 	8	1	 	 
	274	2	 	0	 	8	5.5	18	1	 	 
	275	1	 	0	 	1.5	 	0	1	 	 
	276	2	 	0	 	6.25	5.75	1	1	 	 
	277	4	 	0	 	18.5	3	12	1	 	 
	278	2	 	1	 	7	 	0	1	 	 
	279	1	 	0	 	19.5	 	3	1	 	 

 

	 	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	 	 	 	 	 	745	 	 	 	 
	2	 	 	 	 	 	783	 	 	 	 
	3	 	 	 	 	 	799	 	 	 	 
	4	 	 	 	 	 	764	 	 	 	 
	5	 	 	 	 	 	774	 	 	 	 
	6	 	 	 	 	 	764	 	 	 	 
	7	 	 	 	 	 	766	 	 	 	 
	8	 	 	 	 	 	754	 	 	 	 
	9	 	 	 	 	 	784	 	 	 	 
	10	 	 	 	 	 	735	 	 	 	 
	11	 	 	 	 	 	787	 	 	 	 
	12	 	 	 	 	 	758	762	 	3	 
	13	 	 	 	 	 	765	 	 	 	 
	14	 	 	 	 	 	797	 	 	 	 
	15	 	 	 	 	 	742	 	 	 	 
	16	 	 	 	 	 	782	 	 	 	 
	17	 	 	 	 	 	806	 	 	 	 
	18	 	 	 	 	 	798	 	 	 	 
	19	 	 	 	 	 	766	 	 	 	 
	20	 	 	 	 	 	779	 	 	 	 
	21	 	 	 	 	 	755	 	 	 	 
	22	 	 	 	 	 	730	 	 	 	 
	23	 	 	 	 	 	804	 	 	 	 
	24	 	 	 	 	 	786	 	 	 	 
	25	 	 	 	 	 	795	 	 	 	 
	26	 	 	 	 	 	766	 	 	 	 
	27	 	 	 	 	 	779	791	 	3	 
	28	 	 	 	 	 	789	 	 	 	 
	29	 	 	 	 	 	807	 	 	 	 
	30	 	 	 	 	 	759	774	 	3	 
	31	 	 	 	 	 	793	 	 	 	 
	32	 	 	 	 	 	789	 	 	 	 
	33	 	 	 	 	 	767	 	 	 	 
	34	 	 	 	 	 	783	 	 	 	 
	35	 	 	 	 	 	782	 	 	 	 
	36	 	 	 	 	 	797	 	 	 	 
	37	 	 	 	 	 	745	 	 	 	 
	38	 	 	 	 	 	786	 	 	 	 
	39	 	 	 	 	 	753	 	 	 	 
	40	 	 	 	 	 	790	 	 	 	 
	41	 	 	 	 	 	736	 	 	 	 
	42	 	 	 	 	 	733	 	 	 	 
	43	 	 	 	 	 	720	 	 	 	 
	44	 	 	 	 	 	741	751	 	3	 
	45	 	 	 	 	 	790	 	 	 	 
	46	 	 	 	 	 	788	 	 	 	 
	47	 	 	 	 	 	742	 	 	 	 
	48	 	 	 	 	 	792	 	 	 	 
	49	 	 	 	 	 	761	 	 	 	 
	50	 	 	 	 	 	798	770	 	3	 
	51	 	 	 	 	 	722	 	 	 	 
	52	 	 	 	 	 	755	 	 	 	 
	53	 	 	 	 	 	748	 	 	 	 
	54	 	 	 	 	 	784	 	 	 	 
	55	 	 	 	 	 	713	 	 	 	 
	56	 	 	 	 	 	770	 	 	 	 
	57	 	 	 	 	 	796	 	 	 	 
	58	 	 	 	 	 	791	 	 	 	 
	59	 	 	 	 	 	790	 	 	 	 
	60	 	 	 	 	 	808	786	 	3	 
	61	 	 	 	 	 	720	 	 	 	 
	62	 	 	 	 	 	778	 	 	 	 
	63	 	 	 	 	 	801	 	 	 	 
	64	 	 	 	 	 	762	766	 	3	 
	65	 	 	 	 	 	755	697	 	3	 
	66	 	 	 	 	 	800	698	 	3	 
	67	 	 	 	 	 	778	771	 	3	 
	68	 	 	 	 	 	788	785	 	3	 
	69	 	 	 	 	 	742	803	 	3	 
	70	 	 	 	 	 	800	 	 	 	 
	71	 	 	 	 	 	701	666	 	3	 
	72	 	 	 	 	 	789	765	 	3	 
	73	 	 	 	 	 	732	 	 	 	 
	74	 	 	 	 	 	728	 	 	 	 
	75	 	 	 	 	 	762	 	 	 	 
	76	 	 	 	 	 	760	 	 	 	 
	77	 	 	 	 	 	787	 	 	 	 
	78	 	 	 	 	 	746	 	 	 	 
	79	 	 	 	 	 	809	 	 	 	 
	80	 	 	 	 	 	793	791	 	3	 
	81	 	 	 	 	 	788	768	 	3	 
	82	 	 	 	 	 	807	790	 	3	 
	83	 	 	 	 	 	794	 	 	 	 
	84	 	 	 	 	 	773	 	 	 	 
	85	 	 	 	 	 	798	 	 	 	 
	86	 	 	 	 	 	775	 	 	 	 
	87	 	 	 	 	 	732	 	 	 	 
	88	 	 	 	 	 	759	 	 	 	 
	89	 	 	 	 	 	803	 	 	 	 
	90	 	 	 	 	 	790	 	 	 	 
	91	 	 	 	 	 	731	 	 	 	 
	92	 	 	 	 	 	786	 	 	 	 
	93	 	 	 	 	 	794	 	 	 	 
	94	 	 	 	 	 	791	 	 	 	 
	95	 	 	 	 	 	773	 	 	 	 
	96	 	 	 	 	 	797	 	 	 	 
	97	 	 	 	 	 	811	 	 	 	 
	98	 	 	 	 	 	778	 	 	 	 
	99	 	 	 	 	 	757	 	 	 	 
	100	 	 	 	 	 	787	 	 	 	 
	101	 	 	 	 	 	774	 	 	 	 
	102	 	 	 	 	 	807	 	 	 	 
	103	 	 	 	 	 	758	 	 	 	 
	104	 	 	 	 	 	774	 	 	 	 
	105	 	 	 	 	 	802	 	 	 	 
	106	 	 	 	 	 	734	 	 	 	 
	107	 	 	 	 	 	773	 	 	 	 
	108	 	 	 	 	 	737	 	 	 	 
	109	 	 	 	 	 	792	 	 	 	 
	110	 	 	 	 	 	776	 	 	 	 
	111	 	 	 	 	 	759	 	 	 	 
	112	 	 	 	 	 	798	 	 	 	 
	113	 	 	 	 	 	761	 	 	 	 
	114	 	 	 	 	 	781	 	 	 	 
	115	 	 	 	 	 	760	 	 	 	 
	116	 	 	 	 	 	740	 	 	 	 
	117	 	 	 	 	 	726	 	 	 	 
	118	 	 	 	 	 	786	 	 	 	 
	119	 	 	 	 	 	737	 	 	 	 
	120	 	 	 	 	 	757	736	 	3	 
	121	 	 	 	 	 	797	 	 	 	 
	122	 	 	 	 	 	762	 	 	 	 
	123	 	 	 	 	 	781	 	 	 	 
	124	 	 	 	 	 	720	699	 	3	 
	125	 	 	 	 	 	788	 	 	 	 
	126	 	 	 	 	 	762	743	 	3	 
	127	 	 	 	 	 	801	 	 	 	 
	128	 	 	 	 	 	778	 	 	 	 
	129	 	 	 	 	 	789	 	 	 	 
	130	 	 	 	 	 	793	 	 	 	 
	131	 	 	 	 	 	749	 	 	 	 
	132	 	 	 	 	 	753	 	 	 	 
	133	 	 	 	 	 	758	 	 	 	 
	134	 	 	 	 	 	772	 	 	 	 
	135	 	 	 	 	 	788	 	 	 	 
	136	 	 	 	 	 	811	 	 	 	 
	137	 	 	 	 	 	802	 	 	 	 
	138	 	 	 	 	 	743	 	 	 	 
	139	 	 	 	 	 	773	 	 	 	 
	140	 	 	 	 	 	794	 	 	 	 
	141	 	 	 	 	 	758	 	 	 	 
	142	 	 	 	 	 	783	 	 	 	 
	143	 	 	 	 	 	783	 	 	 	 
	144	 	 	 	 	 	769	 	 	 	 
	145	 	 	 	 	 	780	 	 	 	 
	146	 	 	 	 	 	739	 	 	 	 
	147	 	 	 	 	 	809	 	 	 	 
	148	 	 	 	 	 	792	 	 	 	 
	149	 	 	 	 	 	752	 	 	 	 
	150	 	 	 	 	 	796	 	 	 	 
	151	 	 	 	 	 	808	 	 	 	 
	152	 	 	 	 	 	759	 	 	 	 
	153	 	 	 	 	 	802	 	 	 	 
	154	 	 	 	 	 	815	 	 	 	 
	155	 	 	 	 	 	723	 	 	 	 
	156	 	 	 	 	 	789	 	 	 	 
	157	 	 	 	 	 	765	 	 	 	 
	158	 	 	 	 	 	790	 	 	 	 
	159	 	 	 	 	 	762	 	 	 	 
	160	 	 	 	 	 	774	 	 	 	 
	161	 	 	 	 	 	770	 	 	 	 
	162	 	 	 	 	 	779	 	 	 	 
	163	 	 	 	 	 	798	 	 	 	 
	164	 	 	 	 	 	778	 	 	 	 
	165	 	 	 	 	 	763	 	 	 	 
	166	 	 	 	 	 	754	 	 	 	 
	167	 	 	 	 	 	754	 	 	 	 
	168	 	 	 	 	 	805	 	 	 	 
	169	 	 	 	 	 	781	 	 	 	 
	170	 	 	 	 	 	736	 	 	 	 
	171	 	 	 	 	 	761	 	 	 	 
	172	 	 	 	 	 	769	 	 	 	 
	173	 	 	 	 	 	773	 	 	 	 
	174	 	 	 	 	 	794	 	 	 	 
	175	 	 	 	 	 	797	 	 	 	 
	176	 	 	 	 	 	749	 	 	 	 
	177	 	 	 	 	 	791	 	 	 	 
	178	 	 	 	 	 	768	 	 	 	 
	179	 	 	 	 	 	803	 	 	 	 
	180	 	 	 	 	 	782	 	 	 	 
	181	 	 	 	 	 	783	 	 	 	 
	182	 	 	 	 	 	776	 	 	 	 
	183	 	 	 	 	 	799	 	 	 	 
	184	 	 	 	 	 	802	 	 	 	 
	185	 	 	 	 	 	789	 	 	 	 
	186	 	 	 	 	 	783	 	 	 	 
	187	 	 	 	 	 	766	 	 	 	 
	188	 	 	 	 	 	782	 	 	 	 
	189	 	 	 	 	 	774	 	 	 	 
	190	 	 	 	 	 	726	 	 	 	 
	191	 	 	 	 	 	763	 	 	 	 
	192	 	 	 	 	 	793	 	 	 	 
	193	 	 	 	 	 	814	 	 	 	 
	194	 	 	 	 	 	702	695	 	3	 
	195	 	 	 	 	 	780	 	 	 	 
	196	 	 	 	 	 	783	 	 	 	 
	197	 	 	 	 	 	790	 	 	 	 
	198	 	 	 	 	 	775	 	 	 	 
	199	 	 	 	 	 	761	 	 	 	 
	200	 	 	 	 	 	748	 	 	 	 
	201	 	 	 	 	 	793	 	 	 	 
	202	 	 	 	 	 	789	 	 	 	 
	203	 	 	 	 	 	797	 	 	 	 
	204	 	 	 	 	 	784	 	 	 	 
	205	 	 	 	 	 	781	775	 	3	 
	206	 	 	 	 	 	776	 	 	 	 
	207	 	 	 	 	 	723	 	 	 	 
	208	 	 	 	 	 	790	 	 	 	 
	209	 	 	 	 	 	764	 	 	 	 
	210	 	 	 	 	 	785	 	 	 	 
	211	 	 	 	 	 	728	 	 	 	 
	212	 	 	 	 	 	791	 	 	 	 
	213	 	 	 	 	 	781	 	 	 	 
	214	 	 	 	 	 	760	 	 	 	 
	215	 	 	 	 	 	734	723	 	3	 
	216	 	 	 	 	 	800	 	 	 	 
	217	 	 	 	 	 	804	 	 	 	 
	218	 	 	 	 	 	764	 	 	 	 
	219	 	 	 	 	 	767	 	 	 	 
	220	 	 	 	 	 	723	 	 	 	 
	221	 	 	 	 	 	779	 	 	 	 
	222	 	 	 	 	 	809	 	 	 	 
	223	 	 	 	 	 	752	 	 	 	 
	224	 	 	 	 	 	780	 	 	 	 
	225	 	 	 	 	 	786	 	 	 	 
	226	 	 	 	 	 	787	 	 	 	 
	227	 	 	 	 	 	789	 	 	 	 
	228	 	 	 	 	 	779	 	 	 	 
	229	 	 	 	 	 	770	 	 	 	 
	230	 	 	 	 	 	790	 	 	 	 
	231	 	 	 	 	 	799	 	 	 	 
	232	 	 	 	 	 	724	 	 	 	 
	233	 	 	 	 	 	734	 	 	 	 
	234	 	 	 	 	 	793	 	 	 	 
	235	 	 	 	 	 	764	 	 	 	 
	236	 	 	 	 	 	782	 	 	 	 
	237	 	 	 	 	 	798	801	 	3	 
	238	 	 	 	 	 	802	787	 	3	 
	239	 	 	 	 	 	801	806	 	3	 
	240	 	 	 	 	 	779	793	 	3	 
	241	 	 	 	 	 	719	716	 	3	 
	242	 	 	 	 	 	748	793	 	3	 
	243	 	 	 	 	 	802	773	 	3	 
	244	 	 	 	 	 	792	779	 	3	 
	245	 	 	 	 	 	753	769	 	3	 
	246	 	 	 	 	 	794	785	 	3	 
	247	 	 	 	 	 	787	794	 	3	 
	248	 	 	 	 	 	735	729	 	3	 
	249	 	 	 	 	 	783	760	 	3	 
	250	 	 	 	 	 	743	771	 	3	 
	251	 	 	 	 	 	782	757	 	3	 
	252	 	 	 	 	 	735	731	 	3	 
	253	 	 	 	 	 	756	707	 	3	 
	254	 	 	 	 	 	757	750	 	3	 
	255	 	 	 	 	 	811	790	 	3	 
	256	 	 	 	 	 	786	787	 	3	 
	257	 	 	 	 	 	781	778	 	3	 
	258	 	 	 	 	 	809	765	 	3	 
	259	 	 	 	 	 	748	764	 	3	 
	260	 	 	 	 	 	798	784	 	3	 
	261	 	 	 	 	 	787	788	 	3	 
	262	 	 	 	 	 	768	718	 	3	 
	263	 	 	 	 	 	781	778	 	3	 
	264	 	 	 	 	 	667	698	 	3	 
	265	 	 	 	 	 	790	753	 	3	 
	266	 	 	 	 	 	759	 	 	 	 
	267	 	 	 	 	 	751	 	 	 	 
	268	 	 	 	 	 	761	 	 	 	 
	269	 	 	 	 	 	760	 	 	 	 
	270	 	 	 	 	 	795	 	 	 	 
	271	 	 	 	 	 	775	 	 	 	 
	272	 	 	 	 	 	804	 	 	 	 
	273	 	 	 	 	 	796	 	 	 	 
	274	 	 	 	 	 	799	 	 	 	 
	275	 	 	 	 	 	800	 	 	 	 
	276	 	 	 	 	 	761	 	 	 	 
	277	 	 	 	 	 	760	 	 	 	 
	278	 	 	 	 	 	776	 	 	 	 
	279	 	 	 	 	 	728	 	 	 	 

 

	 	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	 	 

 

	 	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	12916.66	11666.66	0.00	0.00	24583.32	24583.32	1	5	 	3
	2	32201.34	0.00	0.00	0.00	32201.34	32201.34	1	5	 	3
	3	18875.00	 	0.00	 	18875.00	18875.00	1	5	 	3
	4	19445.13	0.00	0.00	0.00	19445.13	19445.13	1	5	 	3
	5	18333.34	7442.93	0.00	0.00	25776.27	25776.27	1	5	 	3
	6	15418.08	0.00	0.00	0.00	15418.08	15418.08	1	4	 	3
	7	9146.04	12250.01	0.00	0.00	21396.05	21396.05	1	5	 	3
	8	11493.64	5124.59	0.00	0.00	16618.23	16618.23	1	5	 	3
	9	18471.34	0.00	0.00	0.00	18471.34	18471.34	1	5	 	3
	10	8924.83	9708.31	0.00	10857.84	18633.14	29490.98	1	5	 	3
	11	9168.00	4637.34	0.00	0.00	13805.34	13805.34	1	5	 	3
	12	18754.89	0.00	0.00	0.00	18754.89	18754.89	1	5	 	3
	13	12131.30	0.00	0.00	0.00	12131.30	12131.30	1	5	 	3
	14	22083.34	 	0.00	 	22083.34	22083.34	1	5	 	3
	15	7683.67	8333.33	0.00	4435.96	16017.00	20452.96	1	5	 	3
	16	10583.00	0.00	7516.00	0.00	10583.00	18099.00	0	5	 	3
	17	14583.33	 	0.00	 	14583.33	14583.33	1	5	 	3
	18	31250.09	0.00	0.00	0.00	31250.09	31250.09	1	5	 	3
	19	9583.00	4635.00	4724.83	634.00	14218.00	19576.83	1	5	 	3
	20	20292.00	5833.00	0.00	0.00	26125.00	26125.00	1	5	 	3
	21	11030.79	2228.30	0.00	0.00	13259.09	13259.09	1	5	 	3
	22	19719.62	0.00	0.00	0.00	19719.62	19719.62	1	5	 	3
	23	0.00	21462.84	0.00	0.00	21462.84	21462.84	1	5	 	3
	24	13332.80	2665.87	0.00	0.00	15998.67	15998.67	1	5	 	3
	25	10841.96	8279.05	0.00	0.00	19121.01	19121.01	1	5	 	3
	26	9626.92	 	746.91	 	9626.92	10373.83	1	5	 	3
	27	13000.00	 	0.00	 	13000.00	13000.00	1	5	 	3
	28	16781.71	 	0.00	 	16781.71	16781.71	1	5	 	3
	29	0.00	80296.30	0.00	0.00	80296.30	80296.30	1	5	 	3
	30	4054.42	12428.00	0.00	0.00	16482.42	16482.42	1	5	 	3
	31	18862.00	5690.16	4313.11	0.00	24552.16	28865.27	1	5	 	3
	32	12500.00	 	4166.66	 	12500.00	16666.66	1	5	 	3
	33	24723.00	0.00	0.00	0.00	24723.00	24723.00	1	5	 	3
	34	16878.60	 	0.00	 	16878.60	16878.60	1	5	 	3
	35	51823.62	0.00	0.00	0.00	51823.62	51823.62	1	5	 	3
	36	269436.19	269436.19	0.00	0.00	538872.38	538872.38	1	5	 	3
	37	4636.71	3943.00	818.90	818.90	8579.71	10217.51	1	5	 	3
	38	22253.77	0.00	0.00	0.00	22253.77	22253.77	1	5	 	3
	39	14583.33	0.00	23504.63	0.00	14583.33	38087.96	1	5	 	3
	40	22641.28	0.00	0.00	0.00	22641.28	22641.28	1	5	 	3
	41	14992.77	0.00	0.00	0.00	14992.77	14992.77	1	5	 	3
	42	16138.33	8463.26	0.00	0.00	24601.59	24601.59	1	5	 	3
	43	10666.67	33381.29	0.00	0.00	44047.96	44047.96	1	5	 	3
	44	12500.00	 	7003.82	 	12500.00	19503.82	1	5	 	3
	45	19166.67	0.00	0.00	0.00	19166.67	19166.67	1	5	 	3
	46	20108.33	5125.00	0.00	0.00	25233.33	25233.33	1	5	 	3
	47	40338.75	6000.00	0.00	1976.55	46338.75	48315.30	1	5	 	3
	48	14854.67	0.00	5456.84	0.00	14854.67	20311.51	1	5	 	3
	49	19000.00	915.59	6666.67	0.00	19915.59	26582.26	1	5	 	3
	50	20557.00	0.00	-1320.00	0.00	20557.00	19237.00	1	5	 	3
	51	18464.70	 	10333.33	 	18464.70	28798.03	1	5	 	3
	52	35093.04	0.00	0.00	0.00	35093.04	35093.04	1	5	 	3
	53	9583.34	12083.33	0.00	0.00	21666.67	21666.67	1	5	 	3
	54	16666.68	0.00	37595.06	0.00	16666.68	54261.74	1	5	 	3
	55	14443.67	3375.00	0.00	0.00	17818.67	17818.67	1	5	 	3
	56	14583.27	0.00	0.00	0.00	14583.27	14583.27	1	5	 	3
	57	12500.00	8626.80	0.00	0.00	21126.80	21126.80	1	5	 	3
	58	19166.66	7271.55	0.00	0.00	26438.21	26438.21	1	5	 	3
	59	28767.75	0.00	0.00	0.00	28767.75	28767.75	1	5	 	3
	60	24500.67	 	0.00	 	24500.67	24500.67	1	5	 	3
	61	13820.00	0.00	0.00	0.00	13820.00	13820.00	1	5	 	3
	62	26608.50	0.00	0.00	0.00	26608.50	26608.50	1	5	 	3
	63	116173.15	 	0.00	 	116173.15	116173.15	1	5	 	3
	64	18744.24	 	15521.88	 	18744.24	34266.12	1	5	 	3
	65	14445.76	 	10159.25	 	14445.76	24605.01	1	5	 	3
	66	65354.00	0.00	0.00	0.00	65354.00	65354.00	1	4	 	3
	67	17660.83	2348.42	0.00	0.00	20009.25	20009.25	1	5	 	3
	68	53884.00	 	0.00	 	53884.00	53884.00	1	5	 	3
	69	30416.66	0.00	0.00	0.00	30416.66	30416.66	1	5	 	3
	70	1948.45	 	15200.00	 	1948.45	17148.45	1	5	 	3
	71	28277.00	0.00	-1381.00	-683.00	28277.00	26213.00	1	5	 	3
	72	50000.00	0.00	0.00	0.00	50000.00	50000.00	1	5	 	3
	73	27562.91	0.00	0.00	0.00	27562.91	27562.91	1	5	 	3
	74	37142.00	 	0.00	 	37142.00	37142.00	1	5	 	3
	75	5193.33	2098.50	4708.91	0.00	7291.83	12000.74	1	5	 	3
	76	20420.08	 	0.00	 	20420.08	20420.08	1	5	 	3
	77	9370.50	0.00	5321.61	0.00	9370.50	14692.11	1	5	 	3
	78	295781.58	0.00	0.00	0.00	295781.58	295781.58	1	5	 	3
	79	20333.92	0.00	8246.00	0.00	20333.92	28579.92	1	5	 	3
	80	0.00	0.00	22028.70	1067.10	0.00	23095.80	1	5	 	3
	81	16512.00	0.00	0.00	0.00	16512.00	16512.00	1	5	 	3
	82	30667.00	0.00	0.00	0.00	30667.00	30667.00	1	5	 	3
	83	22916.66	0.00	17744.50	0.00	22916.66	40661.16	0	5	 	3
	84	50733.88	0.00	0.00	0.00	50733.88	50733.88	1	5	 	3
	85	18985.86	0.00	0.00	0.00	18985.86	18985.86	1	5	 	3
	86	16900.00	6760.13	79059.00	0.00	23660.13	102719.13	1	5	 	3
	87	13596.18	16666.67	0.00	0.00	30262.85	30262.85	1	5	 	3
	88	8861.58	2677.33	16207.04	0.00	11538.91	27745.95	1	5	 	3
	89	7805.55	8652.87	0.00	0.00	16458.42	16458.42	1	5	 	3
	90	14804.34	17833.40	0.00	0.00	32637.74	32637.74	1	5	 	3
	91	8750.00	 	0.00	 	8750.00	8750.00	1	5	 	3
	92	10796.00	0.00	0.00	0.00	10796.00	10796.00	1	5	 	3
	93	20799.29	0.00	0.00	0.00	20799.29	20799.29	1	5	 	3
	94	13384.38	 	0.00	 	13384.38	13384.38	1	5	 	3
	95	9446.26	3483.46	0.00	0.00	12929.72	12929.72	1	5	 	3
	96	8193.74	5659.33	0.00	0.00	13853.07	13853.07	1	5	 	3
	97	7220.73	7420.01	0.00	0.00	14640.74	14640.74	1	5	 	3
	98	10226.25	8372.49	0.00	0.00	18598.74	18598.74	1	5	 	3
	99	27304.87	0.00	0.00	0.00	27304.87	27304.87	1	5	 	3
	100	95737.33	 	0.00	 	95737.33	95737.33	1	5	 	3
	101	12500.00	0.00	1594.09	0.00	12500.00	14094.09	1	5	 	3
	102	35427.34	0.00	0.00	0.00	35427.34	35427.34	1	5	 	3
	103	8332.92	 	7253.96	 	8332.92	15586.88	1	5	 	3
	104	15000.00	0.00	8958.33	0.00	15000.00	23958.33	1	5	 	3
	105	12368.00	 	0.00	 	12368.00	12368.00	1	5	 	3
	106	15000.00	0.00	0.00	0.00	15000.00	15000.00	1	5	 	3
	107	27250.00	9016.80	0.00	0.00	36266.80	36266.80	1	5	 	3
	108	23618.25	0.00	0.00	0.00	23618.25	23618.25	1	5	 	3
	109	12500.00	0.00	19437.33	0.00	12500.00	31937.33	1	5	 	3
	110	8228.00	0.00	1422.00	0.00	8228.00	9650.00	1	5	 	3
	111	34598.71	 	0.00	 	34598.71	34598.71	1	5	 	3
	112	9750.00	5666.68	19867.17	0.00	15416.68	35283.85	1	5	 	3
	113	15806.74	3666.00	0.00	0.00	19472.74	19472.74	1	5	 	3
	114	6716.54	26250.00	0.00	0.00	32966.54	32966.54	1	5	 	3
	115	15833.34	 	0.00	 	15833.34	15833.34	1	5	 	3
	116	59956.75	 	0.00	 	59956.75	59956.75	1	5	 	3
	117	22522.52	0.00	0.00	0.00	22522.52	22522.52	1	5	 	3
	118	20585.58	0.00	0.00	0.00	20585.58	20585.58	1	5	 	3
	119	10728.86	0.00	0.00	0.00	10728.86	10728.86	1	5	 	3
	120	12500.00	3750.00	0.00	0.00	16250.00	16250.00	1	5	 	3
	121	23743.04	6236.82	0.00	0.00	29979.86	29979.86	1	5	 	3
	122	29620.00	0.00	0.00	0.00	29620.00	29620.00	1	5	 	3
	123	36911.33	0.00	2648.00	0.00	36911.33	39559.33	1	5	 	3
	124	42670.00	5225.00	-1163.00	2668.00	47895.00	49400.00	1	4	 	3
	125	8154.16	7341.66	4195.16	1458.33	15495.82	21149.31	1	5	 	3
	126	6229.17	7355.79	0.00	0.00	13584.96	13584.96	1	5	 	3
	127	25000.00	0.00	-1609.00	0.00	25000.00	23391.00	1	5	 	3
	128	15604.00	5460.00	0.00	0.00	21064.00	21064.00	1	4	 	3
	129	13645.97	14471.77	0.00	0.00	28117.74	28117.74	1	5	 	3
	130	11166.13	 	0.00	 	11166.13	11166.13	1	5	 	3
	131	14820.00	10213.75	0.00	0.00	25033.75	25033.75	1	5	 	3
	132	23206.95	0.00	0.00	0.00	23206.95	23206.95	1	5	 	3
	133	6553.44	7347.82	0.00	0.00	13901.26	13901.26	1	5	 	3
	134	25781.25	 	0.00	 	25781.25	25781.25	1	5	 	3
	135	15000.00	2950.67	0.00	0.00	17950.67	17950.67	1	5	 	3
	136	7925.50	7083.34	0.00	0.00	15008.84	15008.84	1	5	 	3
	137	9243.08	9943.76	9642.87	0.00	19186.84	28829.71	1	5	 	3
	138	13217.00	17232.00	0.00	0.00	30449.00	30449.00	1	5	 	3
	139	19208.91	8125.02	0.00	0.00	27333.93	27333.93	1	5	 	3
	140	12553.83	11700.22	0.00	0.00	24254.05	24254.05	1	5	 	3
	141	12292.48	6784.27	0.00	0.00	19076.75	19076.75	1	5	 	3
	142	6371.09	27083.32	0.00	0.00	33454.41	33454.41	1	5	 	3
	143	7682.25	0.00	5583.00	0.00	7682.25	13265.25	1	5	 	3
	144	23333.34	0.00	0.00	0.00	23333.34	23333.34	1	5	 	3
	145	15833.32	0.00	5000.00	0.00	15833.32	20833.32	1	5	 	3
	146	20833.33	0.00	8930.08	0.00	20833.33	29763.41	1	5	 	3
	147	16334.07	8333.33	0.00	0.00	24667.40	24667.40	1	5	 	3
	148	12692.91	13993.00	0.00	0.00	26685.91	26685.91	1	5	 	3
	149	20000.00	4524.98	6604.17	0.00	24524.98	31129.15	1	5	 	3
	150	16501.92	0.00	0.00	0.00	16501.92	16501.92	1	5	 	3
	151	40381.75	 	0.00	 	40381.75	40381.75	1	5	 	3
	152	0.00	0.00	47187.00	0.00	0.00	47187.00	1	5	 	3
	153	15022.88	0.00	10781.67	0.00	15022.88	25804.55	1	5	 	3
	154	18128.71	5137.14	0.00	0.00	23265.85	23265.85	1	5	 	3
	155	1972.00	 	19281.82	 	1972.00	21253.82	1	5	 	3
	156	16356.91	0.00	0.00	0.00	16356.91	16356.91	1	5	 	3
	157	13333.33	6746.58	0.00	0.00	20079.91	20079.91	1	5	 	3
	158	11618.22	0.00	0.00	0.00	11618.22	11618.22	1	5	 	3
	159	1247.50	0.00	29342.00	0.00	1247.50	30589.50	1	5	 	3
	160	43169.42	 	0.00	 	43169.42	43169.42	1	5	 	3
	161	0.00	0.00	32485.00	0.00	0.00	32485.00	1	5	 	3
	162	7308.15	0.00	4000.10	0.00	7308.15	11308.25	1	5	 	3
	163	12473.35	0.00	13955.80	0.00	12473.35	26429.15	1	5	 	3
	164	28201.75	 	0.00	 	28201.75	28201.75	1	5	 	3
	165	16158.33	 	3685.75	 	16158.33	19844.08	1	5	 	3
	166	13541.66	47903.92	13700.30	0.00	61445.58	75145.88	1	5	 	3
	167	16300.83	 	9848.29	 	16300.83	26149.12	1	5	 	3
	168	18937.94	 	0.00	 	18937.94	18937.94	1	5	 	3
	169	24103.62	8696.55	0.00	0.00	32800.17	32800.17	1	5	 	3
	170	1491.90	3797.83	5367.06	0.00	5289.73	10656.79	1	5	 	3
	171	10172.17	0.00	0.00	0.00	10172.17	10172.17	1	5	 	3
	172	0.00	 	38330.00	 	0.00	38330.00	1	5	 	3
	173	20963.91	 	0.00	 	20963.91	20963.91	1	5	 	3
	174	3677.00	0.00	5677.38	921.25	3677.00	10275.63	1	5	 	3
	175	10758.32	0.00	0.00	6260.00	10758.32	17018.32	1	5	 	3
	176	6250.00	11123.00	0.00	2555.50	17373.00	19928.50	1	5	 	3
	177	15833.34	 	0.00	 	15833.34	15833.34	1	5	 	3
	178	4501.44	6666.68	0.00	4426.09	11168.12	15594.21	1	5	 	3
	179	13743.08	0.00	0.00	0.00	13743.08	13743.08	1	5	 	3
	180	25525.67	 	0.00	 	25525.67	25525.67	1	5	 	3
	181	12280.46	10686.35	2762.36	0.00	22966.81	25729.17	1	5	 	3
	182	14582.53	12274.44	5913.42	0.00	26856.97	32770.39	1	5	 	3
	183	20000.50	0.00	0.00	0.00	20000.50	20000.50	1	5	 	3
	184	14905.77	0.00	3162.03	0.00	14905.77	18067.80	1	5	 	3
	185	10857.42	0.00	0.00	52590.05	10857.42	63447.47	1	5	 	3
	186	25925.00	0.00	9414.66	0.00	25925.00	35339.66	1	5	 	3
	187	15000.00	 	0.00	 	15000.00	15000.00	1	5	 	3
	188	46660.00	 	0.00	 	46660.00	46660.00	1	5	 	3
	189	31016.00	 	0.00	 	31016.00	31016.00	1	5	 	3
	190	5833.33	2708.51	0.00	0.00	8541.84	8541.84	1	5	 	3
	191	4556.50	6944.62	0.00	0.00	11501.12	11501.12	1	5	 	3
	192	23760.92	0.00	0.00	0.00	23760.92	23760.92	1	5	 	3
	193	14447.41	0.00	0.00	0.00	14447.41	14447.41	1	5	 	3
	194	18750.00	 	0.00	 	18750.00	18750.00	1	5	 	3
	195	17178.00	7719.00	0.00	0.00	24897.00	24897.00	1	5	 	3
	196	12553.33	 	937.50	 	12553.33	13490.83	1	5	 	3
	197	7500.00	10426.00	0.00	0.00	17926.00	17926.00	1	5	 	3
	198	33142.17	0.00	0.00	0.00	33142.17	33142.17	1	5	 	3
	199	13835.53	 	0.00	 	13835.53	13835.53	1	5	 	3
	200	6203.79	9468.72	0.00	0.00	15672.51	15672.51	1	5	 	3
	201	12495.38	 	2569.00	 	12495.38	15064.38	1	5	 	3
	202	12043.25	0.00	0.00	0.00	12043.25	12043.25	1	5	 	3
	203	15833.34	0.00	0.00	0.00	15833.34	15833.34	1	5	 	3
	204	7714.33	9335.85	0.00	0.00	17050.18	17050.18	1	5	 	3
	205	0.00	 	27631.25	 	0.00	27631.25	1	5	 	3
	206	15453.60	 	3301.00	 	15453.60	18754.60	1	5	 	3
	207	9395.17	9166.66	0.00	0.00	18561.83	18561.83	1	5	 	3
	208	10333.33	9776.40	0.00	0.00	20109.73	20109.73	1	5	 	3
	209	20833.32	 	41992.84	 	20833.32	62826.16	1	5	 	3
	210	10417.00	13750.00	0.00	0.00	24167.00	24167.00	1	5	 	3
	211	28531.00	28531.00	0.00	0.00	57062.00	57062.00	1	5	 	3
	212	21541.50	0.00	0.00	0.00	21541.50	21541.50	1	5	 	3
	213	16982.41	8026.30	0.00	0.00	25008.71	25008.71	1	5	 	3
	214	0.00	55676.41	0.00	0.00	55676.41	55676.41	1	5	 	3
	215	0.00	0.00	23934.00	0.00	0.00	23934.00	1	4	 	3
	216	16666.67	431.66	2476.44	1788.53	17098.33	21363.30	1	5	 	3
	217	8883.34	4683.34	0.00	0.00	13566.68	13566.68	1	5	 	3
	218	6875.00	8155.68	0.00	0.00	15030.68	15030.68	1	5	 	3
	219	36250.00	0.00	0.00	0.00	36250.00	36250.00	1	5	 	3
	220	9584.84	5687.75	0.00	0.00	15272.59	15272.59	1	5	 	3
	221	30275.83	6242.24	0.00	0.00	36518.07	36518.07	1	5	 	3
	222	9072.00	9072.00	0.00	0.00	18144.00	18144.00	1	5	 	3
	223	0.00	0.00	99438.29	0.00	0.00	99438.29	1	5	 	3
	224	10045.00	0.00	0.00	4874.33	10045.00	14919.33	1	5	 	3
	225	21248.93	 	0.00	 	21248.93	21248.93	1	5	 	3
	226	12500.00	9888.08	0.00	0.00	22388.08	22388.08	1	5	 	3
	227	9241.25	0.00	10224.41	0.00	9241.25	19465.66	1	5	 	3
	228	10790.00	6041.67	1952.50	0.00	16831.67	18784.17	1	5	 	3
	229	13120.00	7417.00	0.00	0.00	20537.00	20537.00	1	5	 	3
	230	17000.00	0.00	20.56	0.00	17000.00	17020.56	1	5	 	3
	231	12500.00	0.00	6901.00	0.00	12500.00	19401.00	1	5	 	3
	232	6842.90	27000.00	0.00	0.00	33842.90	33842.90	1	5	 	3
	233	9071.96	9152.42	0.00	0.00	18224.38	18224.38	1	5	 	3
	234	0.00	13498.33	0.00	0.00	13498.33	13498.33	1	5	 	3
	235	10090.00	0.00	0.00	0.00	10090.00	10090.00	1	5	 	3
	236	16666.67	0.00	7333.33	0.00	16666.67	24000.00	1	5	 	3
	237	10289.85	 	1969.00	 	10289.85	12258.85	1	5	 	3
	238	8245.18	 	17387.66	 	8245.18	25632.84	1	5	 	3
	239	6394.58	5311.83	0.00	0.00	11706.41	11706.41	1	5	 	3
	240	13648.34	11466.26	0.00	0.00	25114.60	25114.60	1	5	 	3
	241	9174.64	0.00	0.00	0.00	9174.64	9174.64	1	5	 	3
	242	17070.21	 	0.00	 	17070.21	17070.21	1	5	 	3
	243	10076.58	1239.17	0.00	0.00	11315.75	11315.75	0	4	 	3
	244	7877.32	18360.17	0.00	0.00	26237.49	26237.49	1	5	 	3
	245	14875.00	 	0.00	 	14875.00	14875.00	1	5	 	3
	246	22533.34	0.00	0.00	0.00	22533.34	22533.34	1	5	 	3
	247	20000.00	19166.66	0.00	0.00	39166.66	39166.66	1	5	 	3
	248	16250.00	0.00	37019.33	0.00	16250.00	53269.33	1	5	 	3
	249	54166.66	 	0.00	 	54166.66	54166.66	1	5	 	3
	250	25040.75	 	0.00	 	25040.75	25040.75	1	5	 	3
	251	18555.93	 	0.00	 	18555.93	18555.93	1	5	 	3
	252	20166.66	9567.62	0.00	0.00	29734.28	29734.28	1	5	 	3
	253	7353.17	6989.57	0.00	0.00	14342.74	14342.74	1	5	 	3
	254	8148.92	8483.63	0.00	0.00	17986.55	17986.55	1	5	 	3
	255	24999.99	15000.00	0.00	0.00	39999.99	39999.99	1	5	 	3
	256	20000.00	3061.88	0.00	0.00	23061.88	23061.88	0	5	 	3
	257	15097.51	0.00	0.00	0.00	15097.51	15097.51	1	5	 	3
	258	23340.00	0.00	0.00	0.00	23340.00	23340.00	1	5	 	3
	259	15606.00	8541.56	0.00	0.00	24147.56	24147.56	1	5	 	3
	260	10266.34	7757.00	0.00	0.00	18023.34	18023.34	1	5	 	3
	261	14838.55	13942.75	0.00	0.00	28781.30	28781.30	1	5	 	3
	262	21547.62	12082.17	0.00	0.00	33629.79	33629.79	1	5	 	3
	263	20833.33	0.00	242298.12	0.00	20833.33	263131.45	1	5	 	3
	264	57169.42	6786.16	0.00	0.00	63955.58	63955.58	1	5	 	3
	265	0.00	0.00	106593.00	0.00	0.00	106593.00	1	5	 	3
	266	12065.41	0.00	0.00	0.00	12065.41	12065.41	1	5	 	3
	267	5652.07	2309.82	0.00	670.00	7961.89	8631.89	1	5	 	3
	268	9012.51	2383.41	0.00	0.00	11395.92	11395.92	1	5	 	3
	269	65547.58	 	0.00	 	65547.58	65547.58	1	5	 	3
	270	13053.00	0.00	0.00	0.00	13053.00	13053.00	1	5	 	3
	271	33333.34	0.00	0.00	0.00	33333.34	33333.34	1	5	 	3
	272	8899.93	6796.42	0.00	0.00	15696.35	15696.35	1	5	 	3
	273	14537.50	4354.61	0.00	0.00	18892.11	18892.11	1	5	 	3
	274	13904.90	15844.00	0.00	0.00	29748.90	29748.90	1	5	 	3
	275	40000.00	 	0.00	 	40000.00	40000.00	1	5	 	3
	276	13290.29	11641.60	0.00	0.00	24931.89	24931.89	0	5	 	3
	277	21610.83	156.71	0.00	0.00	21767.54	21767.54	1	5	 	3
	278	30659.08	0.00	0.00	0.00	30659.08	30659.08	1	5	 	3
	279	37559.55	 	0.00	 	37559.55	37559.55	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	 	4	 	120697.45	4200.31	0.170860	 	 	100.000000
	2	 	4	 	743624.39	9405.37	0.292080	 	 	 
	3	 	4	 	88624.75	5496.23	0.291191	 	 	 
	4	 	4	 	196820.17	6096.13	0.313504	 	 	 
	5	 	4	 	141676.42	8189.28	0.317706	 	 	 
	6	 	4	 	67880.56	5421.17	0.351611	 	 	41.878100
	7	 	4	 	84028.81	5165.01	0.241400	 	 	 
	8	 	4	 	30710.01	4212.42	0.253482	 	 	 
	9	 	4	 	313504.86	6808.76	0.368612	 	 	 
	10	 	4	 	69340.08	8614.23	0.292097	 	 	82.236800
	11	 	4	 	145672.32	5570.80	0.403525	 	 	100.000000
	12	 	4	 	144266.55	5052.30	0.269386	 	 	 
	13	 	4	 	107285.65	4113.26	0.339062	 	 	 
	14	 	4	 	54716.17	4696.27	0.212661	 	 	 
	15	 	4	 	43304.43	6114.25	0.298942	 	 	 
	16	 	4	 	430272.77	6328.26	0.349647	 	 	 
	17	 	4	 	209283.53	4246.01	0.291155	 	 	 
	18	 	4	 	131102.48	7175.27	0.229608	 	 	 
	19	 	4	 	331812.09	7285.34	0.372141	 	 	100.000000
	20	 	4	 	145103.84	10628.83	0.406845	 	 	100.000000
	21	 	4	 	92527.80	5554.35	0.418909	 	 	 
	22	 	4	 	232218.34	4813.64	0.244104	 	 	 
	23	 	4	 	301176.55	4607.69	0.214682	 	 	 
	24	 	4	 	54346.54	7119.70	0.445018	 	 	100.000000
	25	 	4	 	147604.93	7491.96	0.391818	 	 	 
	26	 	4	 	81984.38	4028.38	0.388321	 	 	 
	27	 	4	 	221395.27	5812.53	0.447118	 	 	100.000000
	28	 	4	 	95963.58	6076.61	0.362097	 	 	 
	29	 	4	 	523259.17	4651.64	0.057931	 	 	 
	30	 	4	 	294583.80	7253.91	0.440100	 	 	 
	31	 	4	 	392942.55	11772.73	0.407851	 	 	 
	32	 	4	 	251484.83	7486.58	0.449195	 	 	100.000000
	33	 	4	 	652220.12	8687.54	0.351395	 	 	 
	34	 	4	 	597550.17	5224.06	0.309508	 	 	 
	35	 	4	 	190841.87	7727.21	0.149106	 	 	 
	36	 	4	 	861493.44	50769.32	0.094214	 	 	 
	37	 	4	 	80670.50	4490.99	0.439539	 	 	 
	38	 	4	 	323064.33	7755.17	0.348488	 	 	 
	39	 	4	 	118337.56	9133.38	0.239797	 	 	 
	40	 	4	 	585865.86	7025.20	0.310283	 	 	 
	41	 	4	 	236642.50	6435.32	0.429228	 	 	 
	42	 	4	 	85928.06	9664.07	0.392823	 	 	 
	43	 	4	 	408451.78	11868.81	0.269452	 	 	 
	44	 	4	 	143956.56	8304.67	0.425797	 	 	 
	45	 	4	 	106440.66	4077.36	0.212732	 	 	 
	46	 	4	 	45667.36	8090.51	0.320628	 	 	 
	47	 	4	 	949984.85	15648.21	0.323877	 	 	100.000000
	48	 	4	 	43481.59	7460.91	0.367324	 	 	100.000000
	49	 	4	 	218356.70	11276.86	0.424225	 	 	100.000000
	50	 	4	 	142195.04	7316.06	0.380312	 	 	 
	51	 	4	 	337932.66	12209.50	0.423970	 	 	 
	52	 	4	 	461609.78	7236.75	0.206216	 	 	 
	53	 	4	 	32587.07	5475.60	0.252720	 	 	100.000000
	54	 	4	 	1573146.26	12578.63	0.231814	 	 	100.000000
	55	 	4	 	139301.33	7264.05	0.407665	 	 	 
	56	 	4	 	90133.31	4695.43	0.321974	 	 	 
	57	 	4	 	259342.03	7554.12	0.357561	 	 	100.000000
	58	 	4	 	257115.82	8984.31	0.339823	 	 	100.000000
	59	 	4	 	896903.99	6159.43	0.214109	 	 	100.000000
	60	 	4	 	308409.48	8979.50	0.366500	 	 	100.000000
	61	 	4	 	180341.66	4893.54	0.354091	 	 	100.000000
	62	 	4	 	163487.07	11287.46	0.424205	 	 	 
	63	 	4	 	446229.95	15513.76	0.133540	 	 	 
	64	 	4	 	476309.46	6241.37	0.182144	 	 	100.000000
	65	 	4	 	54106.65	5985.34	0.243257	 	 	100.000000
	66	 	4	 	256386.35	10750.73	0.164500	 	 	100.000000
	67	 	4	 	404695.87	8455.87	0.422598	 	 	100.000000
	68	 	4	 	1178369.98	13955.96	0.259000	 	 	100.000000
	69	 	4	 	124194.90	5997.31	0.197172	 	 	100.000000
	70	 	4	 	47273.30	7519.77	0.438510	 	 	86.142300
	71	 	4	 	44780.13	10278.12	0.392100	 	 	 
	72	 	4	 	404016.96	16830.00	0.336600	 	 	100.000000
	73	 	4	 	179740.29	10593.39	0.384335	 	 	100.000000
	74	 	4	 	165849.82	14275.79	0.384357	 	 	100.000000
	75	 	4	 	68855.89	5343.70	0.445281	 	 	 
	76	 	4	 	84318.44	9057.08	0.443538	 	 	 
	77	 	4	 	402284.89	7473.27	0.508659	 	 	100.000000
	78	 	4	 	1196206.44	30257.27	0.102296	 	 	 
	79	 	4	 	139193.50	8297.27	0.290318	 	 	 
	80	 	4	 	4323971.43	7849.48	0.339866	 	 	 
	81	 	4	 	219443.23	4932.56	0.298726	 	 	 
	82	 	4	 	109494.57	6024.96	0.196464	 	 	100.000000
	83	 	4	 	539437.83	7480.96	0.183983	 	 	 
	84	 	4	 	899088.93	20907.84	0.412108	 	 	 
	85	 	4	 	442604.61	7985.38	0.420596	 	 	100.000000
	86	 	4	 	74137.50	7523.87	0.073247	 	 	 
	87	 	4	 	68651.97	8289.75	0.273925	 	 	 
	88	 	4	 	246998.01	7969.14	0.287218	 	 	 
	89	 	4	 	401154.31	4000.66	0.243077	 	 	100.000000
	90	 	4	 	1369393.09	9286.32	0.284527	 	 	 
	91	 	4	 	73299.50	3858.02	0.440917	 	 	 
	92	 	4	 	212724.62	3881.09	0.359493	 	 	 
	93	 	4	 	88584.39	6405.93	0.307988	 	 	100.000000
	94	 	4	 	35194.69	4867.16	0.363645	 	 	 
	95	 	4	 	45304.15	5539.45	0.428428	 	 	 
	96	 	4	 	118782.39	4262.60	0.307701	 	 	 
	97	 	4	 	198713.79	6561.22	0.448148	 	 	 
	98	 	4	 	288511.08	5857.41	0.314936	 	 	 
	99	 	4	 	746129.12	4896.83	0.179339	 	 	 
	100	 	4	 	915793.50	16928.18	0.176819	 	 	 
	101	 	4	 	123130.53	6211.56	0.440721	 	 	 
	102	 	4	 	10565905.72	6684.75	0.188689	 	 	 
	103	 	4	 	66583.27	5786.75	0.371258	 	 	 
	104	 	4	 	88736.23	5102.31	0.212966	 	 	100.000000
	105	 	4	 	94817.65	5418.09	0.438073	 	 	 
	106	 	4	 	324880.77	5660.10	0.377340	 	 	100.000000
	107	 	4	 	438069.84	10202.83	0.281327	 	 	100.000000
	108	 	4	 	40007.99	8235.14	0.348677	 	 	 
	109	 	4	 	777374.11	12896.17	0.403796	 	 	 
	110	 	4	 	208252.31	4985.92	0.516676	 	 	 
	111	 	4	 	391896.14	13731.57	0.396881	 	 	100.000000
	112	 	4	 	93951.37	9105.14	0.258054	 	 	 
	113	 	4	 	185170.76	7095.98	0.364406	 	 	 
	114	 	4	 	581369.56	14612.16	0.443242	 	 	100.000000
	115	 	4	 	283203.60	5739.02	0.362464	 	 	 
	116	 	4	 	790056.01	17553.84	0.292775	 	 	 
	117	 	4	 	745639.91	8949.82	0.397372	 	 	 
	118	 	4	 	518419.30	9133.60	0.443689	 	 	100.000000
	119	 	4	 	85414.19	3979.55	0.370920	 	 	100.000000
	120	 	4	 	180995.22	6747.98	0.415260	 	 	 
	121	 	4	 	58188.97	7925.00	0.264344	 	 	100.000000
	122	 	4	 	322348.81	9271.83	0.313026	 	 	100.000000
	123	 	4	 	4759601.10	10661.75	0.269513	 	 	100.000000
	124	 	4	 	185093.38	21420.04	0.433604	 	 	100.000000
	125	 	4	 	108433.77	8183.68	0.386948	 	 	100.000000
	126	 	4	 	67201.40	5879.57	0.432800	 	 	 
	127	 	4	 	239606.38	7992.14	0.341676	 	 	100.000000
	128	 	4	 	100999.34	6065.69	0.287965	 	 	 
	129	 	4	 	656151.44	8039.37	0.285918	 	 	100.000000
	130	 	4	 	182379.11	4747.54	0.425173	 	 	 
	131	 	4	 	77772.49	6116.65	0.244336	 	 	100.000000
	132	 	4	 	306916.31	6092.52	0.262530	 	 	 
	133	 	4	 	92750.62	5448.79	0.391964	 	 	 
	134	 	4	 	196542.45	8405.41	0.326028	 	 	 
	135	 	4	 	209002.35	5495.90	0.306167	 	 	 
	136	 	4	 	161766.86	4911.51	0.327241	 	 	87.631000
	137	 	4	 	258949.36	6968.92	0.241727	 	 	 
	138	 	4	 	72180.59	9888.40	0.324753	 	 	100.000000
	139	 	4	 	2206298.53	6267.83	0.229306	 	 	100.000000
	140	 	4	 	782067.69	7995.88	0.329672	 	 	100.000000
	141	 	4	 	72715.61	7834.12	0.410663	 	 	 
	142	 	4	 	133453.25	6631.94	0.198238	 	 	100.000000
	143	 	4	 	58936.22	4819.84	0.363343	 	 	100.000000
	144	 	4	 	216300.49	6767.72	0.290045	 	 	 
	145	 	4	 	1820988.61	7429.87	0.356634	 	 	 
	146	 	4	 	166671.35	11587.94	0.389335	 	 	100.000000
	147	 	4	 	441237.96	9449.02	0.383057	 	 	100.000000
	148	 	4	 	168548.00	7342.39	0.275141	 	 	 
	149	 	4	 	163871.11	10131.14	0.325455	 	 	100.000000
	150	 	4	 	580671.76	7021.30	0.425484	 	 	 
	151	 	4	 	2087621.62	8013.48	0.198443	 	 	 
	152	 	4	 	522537.21	15371.12	0.325749	 	 	100.000000
	153	 	4	 	35585.39	4713.23	0.182651	 	 	 
	154	 	4	 	39008.37	3716.04	0.159721	 	 	 
	155	 	4	 	636153.13	5671.52	0.266847	 	 	100.000000
	156	 	4	 	107059.49	4969.44	0.303813	 	 	 
	157	 	4	 	161635.49	7561.53	0.376572	 	 	 
	158	 	4	 	83646.17	5284.47	0.454843	 	 	100.000000
	159	 	4	 	190524.48	6620.30	0.216424	 	 	 
	160	 	4	 	138358.18	9235.67	0.213940	 	 	 
	161	 	4	 	49231.91	8191.58	0.252165	 	 	 
	162	 	4	 	716548.50	4538.65	0.401357	 	 	 
	163	 	4	 	163330.90	4992.76	0.188911	 	 	 
	164	 	4	 	356980.09	5196.91	0.184276	 	 	100.000000
	165	 	4	 	152858.61	7058.88	0.355717	 	 	 
	166	 	4	 	739529.01	21899.54	0.291427	 	 	 
	167	 	4	 	69898.17	10489.12	0.401127	 	 	100.000000
	168	 	4	 	35197.68	4734.62	0.250007	 	 	100.000000
	169	 	4	 	69415.19	9562.82	0.291548	 	 	 
	170	 	4	 	61355.63	4541.23	0.426135	 	 	100.000000
	171	 	4	 	295866.87	3617.24	0.355602	 	 	 
	172	 	4	 	33099.31	7877.27	0.205512	 	 	 
	173	 	4	 	167644.72	5003.98	0.238695	 	 	 
	174	 	4	 	32294.61	4597.50	0.447418	 	 	 
	175	 	4	 	147204.49	5132.44	0.301583	 	 	 
	176	 	4	 	329527.68	5912.11	0.296666	 	 	100.000000
	177	 	4	 	59656.17	5856.15	0.369862	 	 	 
	178	 	4	 	130083.10	5045.76	0.323566	 	 	 
	179	 	4	 	74716.90	4334.69	0.315409	 	 	57.695400
	180	 	4	 	155513.95	7402.19	0.289990	 	 	100.000000
	181	 	4	 	239112.82	10355.32	0.402474	 	 	100.000000
	182	 	4	 	404254.61	5974.86	0.182325	 	 	 
	183	 	4	 	198602.05	6085.23	0.304254	 	 	 
	184	 	4	 	655044.19	7761.19	0.429559	 	 	 
	185	 	4	 	14039644.22	15756.35	0.248337	 	 	100.000000
	186	 	4	 	67876.90	5664.03	0.160274	 	 	 
	187	 	4	 	74182.65	4729.90	0.315327	 	 	100.000000
	188	 	4	 	236939.25	15679.81	0.336044	 	 	100.000000
	189	 	4	 	193533.01	10782.34	0.347638	 	 	 
	190	 	4	 	106829.00	3615.37	0.423254	 	 	 
	191	 	4	 	128544.33	4165.96	0.362222	 	 	74.630000
	192	 	4	 	217874.74	3775.71	0.158904	 	 	 
	193	 	4	 	354300.00	4544.23	0.314536	 	 	 
	194	 	4	 	51146.99	4933.13	0.263100	 	 	 
	195	 	4	 	330674.34	9876.07	0.396677	 	 	 
	196	 	4	 	77751.83	5811.39	0.430766	 	 	100.000000
	197	 	4	 	236641.68	4501.04	0.251090	 	 	 
	198	 	4	 	394507.92	8379.00	0.252820	 	 	 
	199	 	4	 	51060.03	5346.45	0.386429	 	 	 
	200	 	4	 	112342.74	2950.13	0.188236	 	 	 
	201	 	4	 	162810.09	6200.35	0.411590	 	 	 
	202	 	4	 	308110.30	4226.58	0.350950	 	 	 
	203	 	4	 	96308.89	4706.97	0.297282	 	 	100.000000
	204	 	4	 	85723.59	5651.73	0.331476	 	 	 
	205	 	4	 	2836982.17	11511.18	0.416600	 	 	 
	206	 	4	 	663701.38	8118.49	0.432880	 	 	 
	207	 	4	 	356250.06	8246.28	0.444260	 	 	 
	208	 	4	 	141258.67	7305.06	0.363260	 	 	 
	209	 	4	 	373910.94	17051.33	0.271405	 	 	 
	210	 	4	 	118593.51	10307.78	0.426523	 	 	 
	211	 	4	 	292631.18	11507.47	0.201666	 	 	100.000000
	212	 	4	 	239425.29	8796.47	0.408350	 	 	 
	213	 	4	 	122986.19	7414.11	0.296461	 	 	 
	214	 	4	 	219025.07	10821.99	0.194373	 	 	 
	215	 	4	 	370465.00	10491.92	0.438369	 	 	 
	216	 	4	 	1498323.99	7059.67	0.330458	 	 	 
	217	 	4	 	55386.97	3695.92	0.272426	 	 	 
	218	 	4	 	231812.69	4063.59	0.270353	 	 	 
	219	 	4	 	222949.97	5960.88	0.164438	 	 	 
	220	 	4	 	190885.04	4977.20	0.325891	 	 	100.000000
	221	 	4	 	63968.21	8568.31	0.234632	 	 	 
	222	 	4	 	260340.33	6161.70	0.339600	 	 	 
	223	 	4	 	237918.86	8297.03	0.083439	 	 	 
	224	 	4	 	217690.79	5390.16	0.361287	 	 	 
	225	 	4	 	1094386.55	5743.39	0.270291	 	 	 
	226	 	4	 	185344.79	5337.68	0.238416	 	 	 
	227	 	4	 	1019428.73	5252.79	0.269849	 	 	 
	228	 	4	 	201605.77	7215.86	0.384146	 	 	100.000000
	229	 	4	 	85345.26	6443.38	0.313745	 	 	 
	230	 	4	 	87140.99	6119.01	0.359507	 	 	44.380000
	231	 	4	 	2734075.26	7904.18	0.407411	 	 	 
	232	 	4	 	580100.06	7168.10	0.211805	 	 	 
	233	 	4	 	174096.63	6581.84	0.361156	 	 	 
	234	 	4	 	35308.46	4992.79	0.369882	 	 	 
	235	 	4	 	41947.31	3591.91	0.355987	 	 	100.000000
	236	 	4	 	62528.12	7510.66	0.312944	 	 	 
	237	 	4	 	112810.99	4220.35	0.344270	 	 	100.000000
	238	 	4	 	186229.41	6009.00	0.234426	 	 	100.000000
	239	 	4	 	171856.66	3153.96	0.269422	 	 	 
	240	 	4	 	101805.25	4682.06	0.186428	 	 	 
	241	 	4	 	38166.08	3324.03	0.362306	 	 	 
	242	 	4	 	60205.28	5006.80	0.293306	 	 	 
	243	 	4	 	43500.56	4491.10	0.396889	 	 	 
	244	 	4	 	124587.74	4331.02	0.165070	 	 	100.000000
	245	 	4	 	38328.32	5193.26	0.349127	 	 	 
	246	 	4	 	391049.56	5956.64	0.264348	 	 	 
	247	 	4	 	475191.44	5293.22	0.135146	 	 	 
	248	 	4	 	123221.64	6669.43	0.125202	 	 	 
	249	 	4	 	2050136.49	5064.42	0.093497	 	 	 
	250	 	4	 	935327.41	5850.07	0.233622	 	 	 
	251	 	4	 	165813.46	5259.20	0.283424	 	 	 
	252	 	4	 	214422.85	10548.59	0.354762	 	 	 
	253	 	4	 	86089.77	5256.82	0.366514	 	 	 
	254	 	4	 	74526.50	6133.36	0.340997	 	 	 
	255	 	4	 	892728.49	6279.04	0.156976	 	 	100.000000
	256	 	4	 	333990.67	5518.06	0.239272	 	 	100.000000
	257	 	4	 	532925.26	4535.10	0.300387	 	 	100.000000
	258	 	4	 	531411.00	5969.51	0.255763	 	 	 
	259	 	4	 	194239.54	7923.76	0.328139	 	 	 
	260	 	4	 	115021.59	6209.74	0.344539	 	 	 
	261	 	4	 	137492.50	6434.92	0.223580	 	 	 
	262	 	4	 	77277.04	14275.91	0.424502	 	 	 
	263	 	4	 	103939.09	9161.97	0.034819	 	 	 
	264	 	4	 	150071.24	10267.56	0.160542	 	 	 
	265	 	4	 	2874616.05	8906.70	0.083558	 	 	 
	266	 	4	 	92346.12	5280.61	0.437665	 	 	100.000000
	267	 	4	 	88094.63	3845.89	0.445544	 	 	 
	268	 	4	 	66276.52	4385.33	0.384816	 	 	 
	269	 	4	 	240234.34	11363.26	0.173359	 	 	100.000000
	270	 	4	 	180859.30	4926.70	0.377438	 	 	 
	271	 	4	 	72294.89	12838.24	0.385147	 	 	100.000000
	272	 	4	 	111906.04	6123.37	0.390114	 	 	 
	273	 	4	 	382924.59	6524.26	0.345343	 	 	 
	274	 	4	 	55335.10	7666.35	0.257702	 	 	 
	275	 	4	 	2676407.73	8221.44	0.205536	 	 	100.000000
	276	 	4	 	293862.96	7308.46	0.293137	 	 	 
	277	 	4	 	130815.07	6826.78	0.313622	 	 	 
	278	 	4	 	376795.90	8633.35	0.281592	 	 	100.000000
	279	 	4	 	1196487.68	8322.37	0.221578	 	 	 

 

	 	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	Seattle	WA	98112	1	1	998000.00	998000.00	3	20121008
	2	Colleyville	TX	76034	1	1	 	1150000.00	3	20120622
	3	San Fransisco	CA	94107	1	1	 	1400000.00	3	20120801
	4	Santa Clarita	CA	91390	1	1	 	1145000.00	3	20120910
	5	San Carlos	CA	94070	1	1	 	1390000.00	3	20120720
	6	WOODINVILLE	WA	98077	7	1	720000.00	725000.00	3	20121002
	7	SAMMAMISH	WA	98075	7	1	745000.00	745000.00	3	20121018
	8	KELSO	WA	98626	1	1	 	832000.00	3	20121015
	9	REDMOND	WA	98074	7	1	 	1928000.00	3	20121005
	10	Prosper	TX	75058	7	1	932204.73	905000.00	3	20120924
	11	Golden	CO	80401	7	1	775000.00	775000.00	3	20120919
	12	Greeley	CO	80631	1	1	 	985000.00	3	20120601
	13	NORTHFIELD	IL	60093	1	1	 	1000000.00	3	20120713
	14	ELMHURST	IL	60126	1	1	 	740000.00	3	20120801
	15	HINSDALE	IL	60521	1	1	 	1250000.00	3	20120730
	16	NAPERVILLE	IL	60540	1	1	 	1050000.00	3	20120723
	17	CLARENDON HILLS	IL	60514	1	1	 	1095000.00	3	20120730
	18	WILMETTE	IL	60091	1	1	 	1500000.00	3	20120810
	19	CHICAGO	IL	60657	1	1	1280000.00	1300000.00	3	20120718
	20	WESTERN SPRINGS	IL	60558	1	1	1425000.00	1425000.00	3	20120725
	21	Atlanta	GA	30339	7	1	 	885000.00	3	20120811
	22	Brisbane	CA	94005	1	1	 	765000.00	3	20121022
	23	Virginia Beach	VA	23454	1	1	 	715000.00	3	20120825
	24	Atlanta	GA	30338	7	1	648000.00	650000.00	3	20120919
	25	Stillwater	MN	55082	1	1	 	800000.00	3	20120910
	26	WASHINGTON TWP	MI	48094	6	1	 	710000.00	3	20120910
	27	WESTON	FL	33332	7	1	925000.00	1000000.00	3	20120321
	28	Austin	TX	78703	1	1	 	738000.00	3	20120830
	29	Lakeland	FL	33803	7	1	 	1140000.00	3	20120918
	30	IRVINE	CA	92606	7	1	 	1050000.00	3	20120504
	31	SAN DIEGO	CA	92103	1	1	 	1320000.00	3	20121001
	32	Jupiter	FL	33458	7	1	895000.00	895000.00	3	20120927
	33	BARRINGTON HILLS	IL	60010	1	1	 	900000.00	3	20120419
	34	San Rafael	CA	94901	1	1	 	1250000.00	3	20120626
	35	Centreville	VA	20120	7	1	 	930000.00	3	20120907
	36	Rancho Cucamonga	CA	91737	7	1	 	1100000.00	3	20120710
	37	Santa Fe	NM	87505	1	1	 	1200000.00	3	20120917
	38	LAS VEGAS	NV	89134	7	1	 	1400000.00	3	20120912
	39	Newport Coast	CA	92657	7	1	 	1200000.00	3	20120905
	40	Indianapolis	IN	46250	7	1	 	1625000.00	3	20121008
	41	ALAMO	CA	94507	1	1	 	1200000.00	3	20120702
	42	Los Angeles	CA	90034	1	1	 	1820000.00	3	20120927
	43	Portland	OR	97210	1	1	 	1250000.00	98	20120815
	44	MIAMI BEACH	FL	33140	1	1	 	1600000.00	3	20111208
	45	Granite Bay	CA	95746	7	1	 	750000.00	3	20120913
	46	Berkeley	CA	94705	1	1	 	960000.00	3	20120908
	47	Santa Barbara	CA	93108	1	1	1900000.00	1900000.00	3	20120928
	48	TORRANCE	CA	90501	1	1	804000.00	810000.00	3	20120827
	49	NOVATO	CA	94945	1	1	1275000.00	1275000.00	3	20120620
	50	San Mateo	CA	94402	1	1	 	1500000.00	3	20120326
	51	Menlo Park	CA	94025	6	1	 	1200000.00	3	20120716
	52	HOUMA	LA	70360	1	1	 	1468000.00	3	20120814
	53	DALLAS	TX	75206	1	1	599000.00	603000.00	3	20120815
	54	SANTA FE	NM	87506	7	2	1025000.00	1075000.00	3	20120924
	55	RENO	NV	89511	7	1	 	820000.00	3	20120703
	56	SPRING	TX	77382	1	1	 	733500.00	3	20120924
	57	PHOENIX	AZ	85050	7	1	750000.00	750000.00	3	20120911
	58	MILTON	DE	19968	1	2	750000.00	765000.00	3	20120823
	59	PHOENIX	AZ	85048	7	1	725000.00	725000.00	3	20120919
	60	WATERSOUND	FL	32413	3	2	995000.00	996000.00	3	20120517
	61	MARYSVILLE	WA	98271	1	1	795000.00	800000.00	3	20120926
	62	TERRELL HILLS	TX	78209	1	1	 	1300000.00	3	20120727
	63	AUSTIN	TX	78746	7	1	 	1900000.00	3	20120821
	64	SCOTTSDALE	AZ	85258	1	1	900000.00	1050000.00	3	20120216
	65	NAPLES	FL	34109	7	1	938900.00	940000.00	3	20120608
	66	PANAMA CITY BEACH	FL	32413	7	2	1160000.00	1160000.00	3	20120509
	67	BELLAIRE	TX	77401	1	1	1079000.00	1100000.00	3	20120621
	68	SANTA ROSA BEACH	FL	32459	7	2	1103000.00	1252000.00	3	20120427
	69	PONTE VEDRA BEACH	FL	32082	1	1	1390000.00	1450000.00	3	20120218
	70	GLENELG	MD	21737	7	1	1000000.00	1001000.00	3	20120924
	71	OXFORD	MS	38655	1	1	 	1315000.00	3	20111024
	72	AUSTIN	TX	78703	1	1	1300000.00	1340000.00	3	20120430
	73	HIGHLAND PARK	TX	75205	1	1	1052050.00	1115000.00	3	20121001
	74	DANVILLE	CA	94506	7	1	1099000.00	1100000.00	3	20120730
	75	Yorba Linda	CA	92886	1	1	 	1160000.00	3	20121019
	76	San Ramon	CA	94583	1	1	 	1212000.00	3	20120906
	77	BOULDER	CO	80302	1	1	1600000.00	1600000.00	3	20120824
	78	FAIRFIELD	CT	06824	1	1	 	4800000.00	3	20120810
	79	Paradise Valley	AZ	85253	1	1	 	1730000.00	3	20120828
	80	Addison	TX	75254	1	1	 	1031000.00	3	20120531
	81	Dallas	TX	75225	1	1	 	1119000.00	3	20120411
	82	Dallas	TX	75209	1	1	985000.00	995000.00	3	20120418
	83	Englewood	CO	80113	7	1	 	1475000.00	3	20120926
	84	BOCA RATON	FL	33496	7	2	 	1981000.00	3	20120907
	85	SAN FRANCISCO	CA	94127	1	1	979000.00	979000.00	3	20120906
	86	EL CAJON	CA	92021	1	1	 	1200000.00	3	20121015
	87	MOUNTAIN VIEW	CA	94040	1	1	 	1510000.00	3	20121004
	88	SANTA BARBARA	CA	93108	3	1	 	1550000.00	3	20121018
	89	SEBASTOPOL	CA	95472	1	1	665000.00	665000.00	3	20121003
	90	SAN JOSE	CA	95120	6	1	 	853500.00	3	20120927
	91	LOS ALTOS	CA	94022	1	1	 	1455000.00	3	20120904
	92	PLEASANTON	CA	94566	1	1	 	1008000.00	3	20120701
	93	SAN DIEGO	CA	92107	1	1	829000.00	830000.00	3	20121008
	94	SAN JOSE	CA	95120	1	1	 	975000.00	3	20121003
	95	DANVILLE	CA	94506	7	1	 	1025000.00	3	20120831
	96	SAN DIEGO	CA	92130	7	1	 	1020000.00	3	20121010
	97	LIVERMORE	CA	94550	7	1	 	1060000.00	3	20120912
	98	SAN DIEGO	CA	92131	7	1	 	860000.00	3	20120913
	99	PLEASANTON	CA	94566	1	1	 	1516000.00	3	20121024
	100	TAHOE CITY	CA	96145	7	2	 	900000.00	3	20120722
	101	BERKELEY	CA	94708	1	1	 	1385000.00	3	20121006
	102	CARDIFF BY THE SEA	CA	92007	1	1	 	1400000.00	3	20120816
	103	SAN JOSE	CA	95135	1	1	 	1055000.00	3	20120905
	104	ALBANY	CA	94706	1	1	936500.00	960000.00	3	20120812
	105	SAN MATEO	CA	94403	1	1	 	1300000.00	3	20120912
	106	LAFAYETTE	CA	94549	1	1	975000.00	1024000.00	3	20121012
	107	KENSINGTON	CA	94707	1	1	1184000.00	1184000.00	3	20121010
	108	WOODLAND HILLS	CA	91367	7	1	 	1100000.00	3	20121008
	109	LAGUNA BEACH	CA	92651	7	1	 	4500000.00	3	20120913
	110	DANVILLE	CA	94506	1	1	 	1425000.00	3	20120605
	111	NAPA	CA	94558	1	2	1100000.00	1100000.00	3	20121003
	112	SAN FRANCISCO	CA	94132	1	1	 	1150000.00	3	20121003
	113	REDWOOD CITY	CA	94062	1	1	 	1200000.00	3	20120830
	114	ALAMEDA	CA	94502	7	1	1300000.00	1230000.00	3	20120913
	115	SAN FRANCISCO	CA	94114	1	1	 	1475000.00	3	20120917
	116	PASADENA	CA	91103	1	1	 	2100000.00	3	20121008
	117	LOS ALTOS HILLS	CA	94022	1	1	 	2250000.00	3	20120905
	118	Indian Harbo	FL	32937	7	1	1050000.00	1090000.00	3	20120831
	119	MERCER ISLAND	WA	98040	1	1	740000.00	775000.00	3	20120921
	120	El Paso	TX	79912	7	1	 	1100000.00	3	20120126
	121	OOLTEWAH	TN	37363	1	1	1100000.00	1100000.00	3	20121004
	122	Dallas	TX	75230	1	1	1200000.00	1230000.00	3	20120723
	123	BOERNE	TX	78006	7	1	1410000.00	1400000.00	3	20121009
	124	LOS ANGELES	CA	90266	1	1	1775000.00	1790000.00	3	20120208
	125	manhattan Beach	CA	90266	1	1	1750000.00	1750000.00	3	20121011
	126	Portland	OR	97229	7	1	 	670000.00	3	20110906
	127	Vancouver	WA	98661	3	1	664000.00	665000.00	3	20120730
	128	Missoula	MT	59802	1	1	 	850000.00	3	20120605
	129	Kirkland	WA	98033	1	1	1040000.00	1045000.00	3	20121018
	130	Bellevue	WA	98004	1	1	 	1050000.00	3	20120924
	131	Seattle	WA	98144	1	1	1256500.00	1260000.00	3	20121008
	132	San Francisco	CA	94117	1	1	 	1750000.00	3	20120720
	133	Redwood City	CA	94061	1	1	 	1000000.00	3	20120804
	134	Burlingame	CA	94010	1	1	 	2100000.00	3	20121003
	135	Redwood City	CA	94062	1	1	 	1310000.00	3	20121004
	136	Orinda	CA	94563	1	1	923000.00	923000.00	3	20120907
	137	La Jolla	CA	92037	1	1	 	1062000.00	3	20120806
	138	San Francisco	CA	94118	3	1	1300000.00	1300000.00	3	20120813
	139	Saratoga	CA	95070	1	1	1485000.00	1500000.00	3	20121010
	140	Mill Valley	CA	94941	1	1	2200000.00	2200000.00	3	20121013
	141	San Anselmo	CA	94960	1	1	 	1350000.00	3	20120904
	142	Virginia Beach	VA	23454	1	1	730000.00	738000.00	3	20120925
	143	Weston	MA	02493	1	1	870000.00	870000.00	3	20121003
	144	San Mateo	CA	94403	1	1	 	1250000.00	3	20120830
	145	North Bend	WA	98045	1	1	 	975000.00	3	20120828
	146	Hingham	MA	02043	1	1	1465000.00	1465000.00	3	20120912
	147	Millbrae	CA	94030	1	1	1175000.00	1175000.00	3	20120816
	148	San Carlos	CA	94070	1	1	 	1450000.00	3	20120720
	149	Wellesley	MA	02481	1	1	1352000.00	1400000.00	3	20120913
	150	San Mateo	CA	94402	1	1	 	1890000.00	3	20120919
	151	Boston	MA	02118	1	1	 	1850000.00	3	20120828
	152	San Francisco	CA	94114	1	1	1575000.00	1575000.00	3	20121002
	153	Norfolk	MA	02056	1	1	 	655000.00	3	20120913
	154	Needham	MA	02492	1	1	 	760000.00	3	20120920
	155	Cohasset	MA	02025	1	1	910000.00	930000.00	3	20120924
	156	Hingham	MA	02043	1	1	 	796000.00	3	20120906
	157	Concord	MA	01742	1	1	 	835000.00	3	20120618
	158	Natick	MA	01760	1	1	1150000.00	1150000.00	3	20120919
	159	Medfield	MA	02052	1	1	 	1180000.00	3	20120911
	160	Boston	MA	02116	4	1	 	1500000.00	3	20120702
	161	Coppell	TX	75019	1	1	 	1150000.00	3	20120710
	162	Rehoboth Beach	DE	19971	7	1	1325000.00	1325000.00	3	20120911
	163	Fairfield	CT	06824	1	1	 	1015000.00	3	20121009
	164	PROVINCETOWN	MA	02657	1	1	872000.00	875000.00	3	20120906
	165	Santa Monica	CA	90402	1	1	 	2280000.00	3	20121003
	166	New York	NY	10065	2	1	 	2900000.00	3	20120927
	167	Weston	FL	33331	7	1	685000.00	775000.00	3	20120920
	168	RANCHO SANTA MARGARITA	CA	92679	6	1	860000.00	865000.00	3	20121016
	169	Las Vegas	NV	89135	7	1	 	1600000.00	3	20120820
	170	Granite Bay	CA	95746	7	1	850000.00	850000.00	3	20120914
	171	St. Louis	MO	63124	1	1	 	707500.00	3	20120928
	172	Chesterfield	MO	63005	7	1	 	705000.00	3	20120830
	173	St. Louis	MO	63128	1	1	 	760000.00	3	20120725
	174	LOOMIS	CA	95650	1	1	 	900000.00	3	20120807
	175	THOUSAND OAKS	CA	91361	7	1	 	975000.00	3	20120924
	176	SAN FRANCISCO	CA	94127	1	1	875000.00	875000.00	3	20120920
	177	SAN FRANCISCO	CA	94131	12	1	 	1450000.00	3	20120918
	178	MANHATTAN BEACH	CA	90266	1	1	 	1575000.00	3	20121001
	179	WALNUT CREEK	CA	94598	1	1	875000.00	875000.00	3	20121008
	180	VISALIA	CA	93291	1	1	980000.00	980000.00	3	20121011
	181	SAN DIEGO	CA	92130	1	1	1045000.00	1045000.00	3	20121012
	182	Boulder	CO	80304	1	1	 	1125000.00	3	20121009
	183	Walnut Creek	CA	94595	1	1	 	1150000.00	3	20120925
	184	Oakland	CA	94619	1	1	 	1650000.00	3	20120706
	185	Los Gatos	CA	95030	1	2	2150000.00	2150000.00	3	20121018
	186	Duluth	GA	30097	7	1	 	800000.00	3	20120621
	187	dunwoody	GA	30338	1	1	812500.00	812500.00	3	20120926
	188	Hilton Head Island	SC	29928	1	2	1500000.00	1500000.00	3	20120917
	189	Nashville	TN	37205	1	1	 	1425000.00	3	20120611
	190	NORTH EASTON	MA	02356	1	1	 	650000.00	3	20120924
	191	RANCHO CUCAMONGA	CA	91737	1	1	650000.00	650000.00	3	20120924
	192	WIMBERLEY	TX	78676	1	1	 	854700.00	3	20120824
	193	SCOTTSDALE	AZ	85255	7	1	 	2500000.00	3	20120904
	194	MENLO PARK	CA	94025	1	1	 	1440000.00	3	20120208
	195	STUART	FL	34994	1	1	 	1150000.00	3	20120808
	196	DUBLIN	CA	94568	7	1	878923.00	879000.00	3	20120822
	197	TORRANCE	CA	90503	1	1	 	940000.00	3	20120922
	198	IRVINE	CA	92620	7	1	 	1200000.00	3	20120923
	199	LOS ANGELES	CA	90068	1	1	 	916000.00	3	20120917
	200	GRANITE BAY	CA	95746	1	1	 	1000000.00	3	20121018
	201	OAKLAND	CA	94618	1	1	 	1245000.00	3	20121015
	202	WALNUT CREEK	CA	94596	1	1	 	1000000.00	3	20120911
	203	LA JOLLA	CA	92037	1	1	900000.00	900000.00	3	20121106
	204	SANTA BARBARA	CA	93108	1	1	 	1930000.00	3	20120815
	205	TENAFLY	NJ	07670	1	1	 	1575000.00	3	20120216
	206	HALF MOON BAY	CA	94019	1	1	 	1369000.00	3	20120828
	207	BOCA RATON	FL	33496	7	1	 	1290000.00	3	20120808
	208	IRVINE	CA	92603	7	1	 	1445000.00	3	20120912
	209	STRATTON	VT	05155	1	2	 	2050000.00	3	20120912
	210	MENLO PARK	CA	94025	3	1	 	1290000.00	3	20120715
	211	LOS ANGELES	CA	90077	7	1	1490000.00	1490000.00	3	20120925
	212	LOS ALAMITOS	CA	90720	1	1	 	1565000.00	3	20120821
	213	LOS ANGELES	CA	90049	1	1	 	1650000.00	3	20121018
	214	SAN MATEO	CA	94402	1	1	 	2400000.00	3	20120713
	215	LA JOLLA	CA	92037	1	1	 	2450000.00	3	20111126
	216	Lexington	MA	02420	1	1	 	1270000.00	3	20120917
	217	San Diego	CA	92130	7	1	 	831000.00	3	20120804
	218	Salem	SC	29676	7	1	 	1150000.00	3	20120723
	219	Oak Park	IL	60302	1	1	 	979000.00	3	20120607
	220	Kirkland	WA	98033	1	1	875000.00	876000.00	3	20120919
	221	Hillsborough	NJ	08844	7	1	 	925000.00	3	20120822
	222	Sugar Land	TX	77479	7	1	 	1024000.00	3	20120808
	223	YARROW POINT	WA	98004	1	1	 	1300000.00	3	20120813
	224	Orinda	CA	94563	1	1	 	1175000.00	3	20121003
	225	Palo Alto	CA	94306	12	1	 	1600000.00	3	20120728
	226	Bellevue	WA	98006	7	1	 	1160000.00	3	20120814
	227	MILL VALLEY	CA	94941	1	1	 	2507000.00	3	20120814
	228	Huntington Beach	CA	92649	7	1	1335595.00	1335595.00	3	20121006
	229	La Canada Flintridge	CA	91011	1	1	 	1350000.00	3	20120710
	230	Los Gatos	CA	95032	1	1	1273000.00	1300000.00	3	20120822
	231	Menlo Park	CA	94025	1	1	 	2320000.00	3	20120801
	232	Burlingame	CA	94010	1	1	 	1650000.00	3	20120828
	233	Mountain View	CA	94040	1	1	 	1600000.00	3	20120927
	234	Southboro	MA	01772	1	1	 	685000.00	3	20120820
	235	Newton	MA	02460	1	1	720000.00	720000.00	3	20121003
	236	NEEDHAM	MA	02494	1	1	 	1175000.00	3	20120727
	237	SOMERVILLE	MA	02145	1	1	800000.00	800000.00	3	20110427
	238	SOUTHBOROUGH	MA	01772	1	1	745000.00	775000.00	3	20110317
	239	NEEDHAM	MA	02492	1	1	 	860000.00	3	20120413
	240	WRENTHAM	MA	02093	1	1	 	800000.00	3	20120315
	241	BROOKLINE	MA	02445	1	1	 	850000.00	3	20120405
	242	EASTON	MA	02356	1	1	 	873000.00	3	20120504
	243	NEEDHAM	MA	02495	1	1	 	900000.00	3	20120412
	244	HINGHAM	MA	02043	1	1	932900.00	940000.00	3	20110701
	245	CARLISLE	MA	01741	1	1	 	1200000.00	3	20111207
	246	SUDBURY	MA	01776	1	1	 	975000.00	3	20101115
	247	NEWTON	MA	02459	1	1	 	1400000.00	3	20120331
	248	WESTON	MA	02493	1	1	 	1500000.00	3	20120204
	249	CAMBRIDGE	MA	02140	1	1	 	2150000.00	3	20120213
	250	WELLESLEY	MA	02481	1	1	 	1195000.00	3	20120102
	251	CHARLESTOWN	MA	02129	1	1	 	1100000.00	3	20120224
	252	IPSWICH	MA	01938	1	1	 	1200000.00	3	20120302
	253	LEXINGTON	MA	02421	1	1	 	1100000.00	3	20120308
	254	LEXINGTON	MA	02421	1	1	 	1370000.00	3	20120213
	255	WINCHESTER	MA	01890	1	1	1520000.00	1570000.00	3	20110418
	256	BELMONT	MA	02478	1	1	1312500.00	1320000.00	3	20091026
	257	WELLESLEY HILLS	MA	02481	1	1	1272500.00	1300000.00	3	20111221
	258	BROOKLINE	MA	02467	1	1	 	1775000.00	3	20110628
	259	CHESTNUT HILL	MA	02467	1	1	 	1250000.00	3	20120209
	260	NEEDHAM	MA	02492	1	1	 	1290000.00	3	20090914
	261	WELLESLEY	MA	02481	1	1	 	1450000.00	3	20120117
	262	CHESTNUT HILL	MA	02467	1	1	 	2350000.00	3	20110621
	263	NEEDHAM	MA	02492	1	1	 	2350000.00	3	20120427
	264	WINCHESTER	MA	01890	1	1	 	1775000.00	3	20110718
	265	NEWTON	MA	02467	1	1	 	1890000.00	3	20120214
	266	Staten Island	NY	10309	7	1	927500.00	925000.00	3	20120904
	267	BASS LAKE	CA	93604	1	1	 	700000.00	3	20120917
	268	DENVER	CO	80209	1	1	 	1225000.00	3	20121001
	269	LAS VEGAS	NV	89141	7	1	699990.00	700000.00	3	20121020
	270	SAN DIEGO	CA	92130	7	1	 	1068000.00	3	20120810
	271	GIG HARBOR	WA	98332	1	1	1075000.00	1075000.00	3	20121010
	272	LARKSPUR	CA	94939	1	1	 	1200000.00	3	20120913
	273	NEWPORT BEACH	CA	92663	1	1	 	2000000.00	3	20120917
	274	PALO ALTO	CA	94303	1	1	 	2300000.00	3	20121014
	275	OAKLAND	CA	94618	1	1	1695000.00	1550000.00	3	20120908
	276	IRVINE	CA	92620	7	1	 	1271000.00	3	20120731
	277	SAN DIEGO	CA	92130	7	1	 	1900000.00	3	20121004
	278	LA JOLLA	CA	92037	1	1	1205000.00	1205000.00	3	20120925
	279	LOS ANGELES	CA	90064	1	1	 	1670000.00	3	20121001

 

	 	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	 	 	 	 	 	 	 	0.699300	0.699300	0	0	0
	2	 	 	 	 	 	 	 	0.639700	0.639700	0	0	0
	3	 	 	 	 	 	 	 	0.603600	0.600000	0	0	0
	4	 	 	 	 	 	 	 	0.764100	0.764100	0	0	0
	5	 	 	 	 	 	 	 	0.719400	0.719400	0	0	0
	6	 	 	 	 	 	 	 	0.750000	0.750000	0	0	0
	7	 	 	 	 	 	 	 	0.773100	0.773100	0	0	0
	8	 	 	 	 	 	 	 	0.775200	0.775200	0	0	0
	9	 	 	 	 	 	 	 	0.518600	0.518600	0	0	0
	10	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	11	 	 	 	 	 	 	 	0.721200	0.721200	0	0	0
	12	 	 	 	 	 	 	 	0.788200	0.788200	0	0	0
	13	 	 	 	 	 	 	 	0.562000	0.562000	0	0	0
	14	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	15	 	 	 	 	 	 	 	0.487200	0.487200	0	0	0
	16	 	 	 	 	 	 	 	0.710400	0.710400	0	0	0
	17	 	 	 	 	 	 	 	0.734200	0.734200	0	0	0
	18	 	 	 	 	 	 	 	0.560600	0.560600	0	0	0
	19	 	 	 	 	 	 	 	0.780400	0.780400	0	0	0
	20	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	21	 	 	 	 	 	 	 	0.563800	0.563800	0	0	0
	22	 	 	 	 	 	 	 	0.650000	0.650000	0	0	0
	23	 	 	 	 	 	 	 	0.786000	0.702000	0	0	0
	24	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	25	 	 	 	 	 	 	 	0.700000	0.700000	0	0	0
	26	 	 	 	 	 	 	 	0.788700	0.788700	0	0	0
	27	 	 	 	 	 	 	 	0.616700	0.616700	0	0	0
	28	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	29	 	 	 	 	 	 	 	0.538500	0.538500	0	0	0
	30	 	 	 	 	 	 	 	0.631900	0.631900	0	0	0
	31	 	 	 	 	 	 	 	0.503700	0.503700	0	0	0
	32	 	 	 	 	 	 	 	0.750000	0.750000	0	0	0
	33	 	 	 	 	 	 	 	0.771100	0.771100	0	0	0
	34	 	 	 	 	 	 	 	0.795200	0.555200	0	0	0
	35	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	36	 	 	 	 	 	 	 	0.700000	0.700000	0	0	0
	37	 	 	 	 	 	 	 	0.650000	0.650000	0	0	0
	38	 	 	 	 	 	 	 	0.571400	0.571400	0	0	0
	39	 	 	 	 	 	 	 	0.776600	0.776600	0	0	0
	40	 	 	 	 	 	 	 	0.713800	0.584600	0	0	0
	41	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	42	 	 	 	 	 	 	 	0.549400	0.549400	0	0	0
	43	 	 	 	 	 	 	 	0.799900	0.799900	0	0	0
	44	 	 	 	 	 	 	 	0.700000	0.700000	0	0	0
	45	 	 	 	 	 	 	 	0.668000	0.668000	0	0	0
	46	 	 	 	 	 	 	 	0.763500	0.763500	0	0	0
	47	 	 	 	 	 	 	 	0.750000	0.750000	0	0	0
	48	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	49	 	 	 	 	 	 	 	0.750000	0.750000	0	0	0
	50	 	 	 	 	 	 	 	0.680000	0.680000	0	0	0
	51	 	 	 	 	 	 	 	0.545800	0.545800	0	0	0
	52	 	 	 	 	 	 	 	0.681100	0.681100	0	0	0
	53	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	54	 	 	 	 	 	 	 	0.487800	0.487800	0	0	0
	55	 	 	 	 	 	 	 	0.651800	0.651800	0	0	0
	56	 	 	 	 	 	 	 	0.766200	0.766200	0	0	0
	57	 	 	 	 	 	 	 	0.750000	0.750000	0	0	0
	58	 	 	 	 	 	 	 	0.750000	0.750000	0	0	0
	59	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	60	 	 	 	 	 	 	 	0.597900	0.597900	0	0	0
	61	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	62	 	 	 	 	 	 	 	0.500000	0.500000	0	0	0
	63	 	 	 	 	 	 	 	0.353800	0.353800	0	0	0
	64	 	 	 	 	 	 	 	0.750000	0.750000	0	0	0
	65	 	 	 	 	 	 	 	0.798800	0.798800	0	0	0
	66	 	 	 	 	 	 	 	0.650000	0.650000	0	0	0
	67	 	 	 	 	 	 	 	0.700000	0.700000	0	0	0
	68	 	 	 	 	 	 	 	0.700000	0.700000	0	0	0
	69	 	 	 	 	 	 	 	0.575500	0.575500	0	0	0
	70	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	71	 	 	 	 	 	 	 	0.637600	0.637600	0	0	0
	72	 	 	 	 	 	 	 	0.650000	0.650000	0	0	0
	73	 	 	 	 	 	 	 	0.799900	0.799900	0	0	0
	74	 	 	 	 	 	 	 	0.795200	0.795200	0	0	0
	75	 	 	 	 	 	 	 	0.762900	0.762900	0	0	0
	76	 	 	 	 	 	 	 	0.798600	0.798600	0	0	0
	77	 	 	 	 	 	 	 	0.750000	0.750000	0	0	0
	78	 	 	 	 	 	 	 	0.625000	0.625000	0	0	0
	79	 	 	 	 	 	 	 	0.598200	0.453700	0	0	0
	80	 	 	 	 	 	 	 	0.709200	0.709200	0	0	0
	81	 	 	 	 	 	 	 	0.547400	0.547400	0	0	0
	82	 	 	 	 	 	 	 	0.659800	0.659800	0	0	0
	83	 	 	 	 	 	 	 	0.582700	0.582700	0	0	0
	84	 	 	 	 	 	 	 	0.282600	0.282600	0	0	0
	85	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	86	 	 	 	 	 	 	 	0.737500	0.737500	0	0	0
	87	 	 	 	 	 	 	 	0.594700	0.594700	0	0	0
	88	 	 	 	 	 	 	 	0.580600	0.580600	0	0	0
	89	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	90	 	 	 	 	 	 	 	0.750000	0.750000	0	0	0
	91	 	 	 	 	 	 	 	0.453600	0.453600	0	0	0
	92	 	 	 	 	 	 	 	0.684000	0.659200	0	0	0
	93	 	 	 	 	 	 	 	0.799700	0.799700	0	0	0
	94	 	 	 	 	 	 	 	0.691200	0.691200	0	0	0
	95	 	 	 	 	 	 	 	0.733500	0.660300	0	0	0
	96	 	 	 	 	 	 	 	0.666600	0.666600	0	0	0
	97	 	 	 	 	 	 	 	0.649000	0.649000	0	0	0
	98	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	99	 	 	 	 	 	 	 	0.466300	0.466300	0	0	0
	100	 	 	 	 	 	 	 	0.786600	0.786600	0	0	0
	101	 	 	 	 	 	 	 	0.582400	0.516000	0	0	0
	102	 	 	 	 	 	 	 	0.521400	0.521400	0	0	0
	103	 	 	 	 	 	 	 	0.700000	0.700000	0	0	0
	104	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	105	 	 	 	 	 	 	 	0.584600	0.584600	0	0	0
	106	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	107	 	 	 	 	 	 	 	0.662100	0.662100	0	0	0
	108	 	 	 	 	 	 	 	0.717200	0.717200	0	0	0
	109	 	 	 	 	 	 	 	0.288800	0.177700	0	0	0
	110	 	 	 	 	 	 	 	0.576100	0.576100	0	0	0
	111	 	 	 	 	 	 	 	0.750000	0.750000	0	0	0
	112	 	 	 	 	 	 	 	0.733000	0.733000	0	0	0
	113	 	 	 	 	 	 	 	0.787500	0.787500	0	0	0
	114	 	 	 	 	 	 	 	0.792600	0.792600	0	0	0
	115	 	 	 	 	 	 	 	0.700000	0.700000	0	0	0
	116	 	 	 	 	 	 	 	0.534200	0.534200	0	0	0
	117	 	 	 	 	 	 	 	0.550800	0.550800	0	0	0
	118	 	 	 	 	 	 	 	0.750000	0.750000	0	0	0
	119	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	120	 	 	 	 	 	 	 	0.648000	0.648000	0	0	0
	121	 	 	 	 	 	 	 	0.659000	0.659000	0	0	0
	122	 	 	 	 	 	 	 	0.750000	0.750000	0	0	0
	123	 	 	 	 	 	 	 	0.750000	0.750000	0	0	0
	124	 	 	 	 	 	 	 	0.700000	0.700000	0	0	0
	125	 	 	 	 	 	 	 	0.742500	0.742500	0	0	0
	126	 	 	 	 	 	 	 	0.835800	0.750000	0	0	0
	127	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	128	 	 	 	 	 	 	 	0.762300	0.762300	0	0	0
	129	 	 	 	 	 	 	 	0.711500	0.711500	0	0	0
	130	 	 	 	 	 	 	 	0.792300	0.792300	0	0	0
	131	 	 	 	 	 	 	 	0.750000	0.750000	0	0	0
	132	 	 	 	 	 	 	 	0.572500	0.372500	0	0	0
	133	 	 	 	 	 	 	 	0.675000	0.675000	0	0	0
	134	 	 	 	 	 	 	 	0.459500	0.340400	0	0	0
	135	 	 	 	 	 	 	 	0.550300	0.550300	0	0	0
	136	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	137	 	 	 	 	 	 	 	0.790900	0.790900	0	0	0
	138	 	 	 	 	 	 	 	0.700000	0.700000	0	0	0
	139	 	 	 	 	 	 	 	0.650000	0.650000	0	0	0
	140	 	 	 	 	 	 	 	0.454500	0.454500	0	0	0
	141	 	 	 	 	 	 	 	0.740700	0.740700	0	0	0
	142	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	143	 	 	 	 	 	 	 	0.747100	0.747100	0	0	0
	144	 	 	 	 	 	 	 	0.560000	0.560000	0	0	0
	145	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	146	 	 	 	 	 	 	 	0.700000	0.631700	0	0	0
	147	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	148	 	 	 	 	 	 	 	0.689600	0.689600	0	0	0
	149	 	 	 	 	 	 	 	0.739600	0.739600	0	0	0
	150	 	 	 	 	 	 	 	0.539800	0.539800	0	0	0
	151	 	 	 	 	 	 	 	0.585900	0.585900	0	0	0
	152	 	 	 	 	 	 	 	0.750000	0.750000	0	0	0
	153	 	 	 	 	 	 	 	0.764800	0.764800	0	0	0
	154	 	 	 	 	 	 	 	0.754600	0.754600	0	0	0
	155	 	 	 	 	 	 	 	0.681300	0.681300	0	0	0
	156	 	 	 	 	 	 	 	0.783900	0.783900	0	0	0
	157	 	 	 	 	 	 	 	0.772400	0.772400	0	0	0
	158	 	 	 	 	 	 	 	0.608600	0.608600	0	0	0
	159	 	 	 	 	 	 	 	0.744000	0.722800	0	0	0
	160	 	 	 	 	 	 	 	0.620000	0.620000	0	0	0
	161	 	 	 	 	 	 	 	0.710200	0.710200	0	0	0
	162	 	 	 	 	 	 	 	0.650000	0.650000	0	0	0
	163	 	 	 	 	 	 	 	0.678800	0.678800	0	0	0
	164	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	165	 	 	 	 	 	 	 	0.424500	0.424500	0	0	0
	166	 	 	 	 	 	 	 	0.505800	0.505800	0	0	0
	167	 	 	 	 	 	 	 	0.750000	0.750000	0	0	0
	168	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	169	 	 	 	 	 	 	 	0.561400	0.561400	0	0	0
	170	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	171	 	 	 	 	 	 	 	0.769600	0.769600	0	0	0
	172	 	 	 	 	 	 	 	0.781500	0.781500	0	0	0
	173	 	 	 	 	 	 	 	0.795600	0.795600	0	0	0
	174	 	 	 	 	 	 	 	0.680700	0.680700	0	0	0
	175	 	 	 	 	 	 	 	0.682800	0.682800	0	0	0
	176	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	177	 	 	 	 	 	 	 	0.590300	0.590300	0	0	0
	178	 	 	 	 	 	 	 	0.432200	0.432200	0	0	0
	179	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	180	 	 	 	 	 	 	 	0.750000	0.750000	0	0	0
	181	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	182	 	 	 	 	 	 	 	0.768800	0.768800	0	0	0
	183	 	 	 	 	 	 	 	0.793000	0.793000	0	0	0
	184	 	 	 	 	 	 	 	0.606000	0.606000	0	0	0
	185	 	 	 	 	 	 	 	0.506900	0.506900	0	0	0
	186	 	 	 	 	 	 	 	0.800000	0.731200	0	0	0
	187	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	188	 	 	 	 	 	 	 	0.650000	0.650000	0	0	0
	189	 	 	 	 	 	 	 	0.697500	0.697500	0	0	0
	190	 	 	 	 	 	 	 	0.732300	0.732300	0	0	0
	191	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	192	 	 	 	 	 	 	 	0.702000	0.702000	0	0	0
	193	 	 	 	 	 	 	 	0.260000	0.260000	0	0	0
	194	 	 	 	 	 	 	 	0.455500	0.455500	0	0	0
	195	 	 	 	 	 	 	 	0.600000	0.600000	0	0	0
	196	 	 	 	 	 	 	 	0.799900	0.799900	0	0	0
	197	 	 	 	 	 	 	 	0.750000	0.750000	0	0	0
	198	 	 	 	 	 	 	 	0.767500	0.588300	0	0	0
	199	 	 	 	 	 	 	 	0.769600	0.769600	0	0	0
	200	 	 	 	 	 	 	 	0.711000	0.711000	0	0	0
	201	 	 	 	 	 	 	 	0.571000	0.571000	0	0	0
	202	 	 	 	 	 	 	 	0.715000	0.715000	0	0	0
	203	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	204	 	 	 	 	 	 	 	0.381300	0.381300	0	0	0
	205	 	 	 	 	 	 	 	0.517400	0.517400	0	0	0
	206	 	 	 	 	 	 	 	0.602600	0.602600	0	0	0
	207	 	 	 	 	 	 	 	0.658900	0.658900	0	0	0
	208	 	 	 	 	 	 	 	0.622100	0.622100	0	0	0
	209	 	 	 	 	 	 	 	0.469200	0.469200	0	0	0
	210	 	 	 	 	 	 	 	0.775100	0.775100	0	0	0
	211	 	 	 	 	 	 	 	0.671100	0.671100	0	0	0
	212	 	 	 	 	 	 	 	0.732900	0.732900	0	0	0
	213	 	 	 	 	 	 	 	0.700000	0.700000	0	0	0
	214	 	 	 	 	 	 	 	0.634500	0.634500	0	0	0
	215	 	 	 	 	 	 	 	0.691000	0.691000	0	0	0
	216	 	 	 	 	 	 	 	0.567700	0.410200	0	0	0
	217	 	 	 	 	 	 	 	0.685900	0.685900	0	0	0
	218	 	 	 	 	 	 	 	0.506900	0.506900	0	0	0
	219	 	 	 	 	 	 	 	0.621000	0.621000	0	0	0
	220	 	 	 	 	 	 	 	0.714200	0.714200	0	0	0
	221	 	 	 	 	 	 	 	0.696200	0.696200	0	0	0
	222	 	 	 	 	 	 	 	0.671800	0.671800	0	0	0
	223	 	 	 	 	 	 	 	0.533800	0.533800	0	0	0
	224	 	 	 	 	 	 	 	0.597000	0.597000	0	0	0
	225	 	 	 	 	 	 	 	0.566800	0.441800	0	0	0
	226	 	 	 	 	 	 	 	0.750000	0.750000	0	0	0
	227	 	 	 	 	 	 	 	0.347000	0.347000	0	0	0
	228	 	 	 	 	 	 	 	0.692500	0.692500	0	0	0
	229	 	 	 	 	 	 	 	0.689600	0.689600	0	0	0
	230	 	 	 	 	 	 	 	0.750000	0.750000	0	0	0
	231	 	 	 	 	 	 	 	0.415000	0.415000	0	0	0
	232	 	 	 	 	 	 	 	0.592700	0.592700	0	0	0
	233	 	 	 	 	 	 	 	0.624800	0.624800	0	0	0
	234	 	 	 	 	 	 	 	0.767800	0.767800	0	0	0
	235	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	236	 	 	 	 	 	 	 	0.650000	0.650000	0	0	0
	237	 	 	640000	5	20121023	 	 	0.612500	0.612500	0	0	0
	238	 	 	 	 	 	 	 	0.671100	0.671100	0	0	0
	239	 	 	 	 	 	 	 	0.575500	0.575500	0	0	0
	240	 	 	 	 	 	 	 	0.711200	0.648700	0	0	0
	241	 	 	 	 	 	 	 	0.656400	0.656400	0	0	0
	242	 	 	 	 	 	 	 	0.647100	0.647100	0	0	0
	243	 	 	 	 	 	 	 	0.684400	0.684400	0	0	0
	244	 	 	1210000	5	20121023	 	 	0.696700	0.696700	0	0	0
	245	 	 	 	 	 	 	 	0.537500	0.537500	0	0	0
	246	 	 	 	 	 	 	 	0.687100	0.687100	0	0	0
	247	 	 	 	 	 	 	 	0.732100	0.482100	0	0	0
	248	 	 	 	 	 	 	 	0.750000	0.450000	0	0	0
	249	 	 	 	 	 	 	 	0.325500	0.325500	0	0	0
	250	 	 	 	 	 	 	 	0.590700	0.590700	0	0	0
	251	 	 	 	 	 	 	 	0.641800	0.641800	0	0	0
	252	 	 	 	 	 	 	 	0.779100	0.612500	0	0	0
	253	 	 	 	 	 	 	 	0.679000	0.679000	0	0	0
	254	 	 	 	 	 	 	 	0.547400	0.547400	0	0	0
	255	 	 	1530000	5	20121025	 	 	0.592100	0.592100	0	0	0
	256	 	 	 	 	 	 	 	0.609500	0.609500	0	0	0
	257	 	 	 	 	 	 	 	0.620800	0.620800	0	0	0
	258	 	 	1345000	5	20121023	 	 	0.467600	0.467600	0	0	0
	259	 	 	 	 	 	 	 	0.664800	0.664800	0	0	0
	260	 	 	1235000	5	20121022	 	 	0.689900	0.689900	0	0	0
	261	 	 	 	 	 	 	 	0.638600	0.638600	0	0	0
	262	 	 	 	 	 	 	 	0.502100	0.417000	0	0	0
	263	 	 	 	 	 	 	 	0.425500	0.425500	0	0	0
	264	 	 	1370000	5	20121024	 	 	0.619700	0.619700	0	0	0
	265	 	 	 	 	 	 	 	0.700000	0.700000	0	0	0
	266	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	267	 	 	 	 	 	 	 	0.762800	0.762800	0	0	0
	268	 	 	 	 	 	 	 	0.444800	0.444800	0	0	0
	269	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	270	 	 	 	 	 	 	 	0.583800	0.583800	0	0	0
	271	 	 	 	 	 	 	 	0.627900	0.627900	0	0	0
	272	 	 	 	 	 	 	 	0.577500	0.577500	0	0	0
	273	 	 	 	 	 	 	 	0.423500	0.348500	0	0	0
	274	 	 	 	 	 	 	 	0.308200	0.308200	0	0	0
	275	 	 	 	 	 	 	 	0.548300	0.548300	0	0	0
	276	 	 	 	 	 	 	 	0.726900	0.726900	0	0	0
	277	 	 	 	 	 	 	 	0.506500	0.506500	0	0	0
	278	 	 	 	 	 	 	 	0.800000	0.800000	0	0	0
	279	 	 	 	 	 	 	 	0.598800	0.598800	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	 	 	 	 	 	 	 	 	 	 
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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	 	 	 	 	 	 	 	 	 	 
	149	 	 	 	 	 	 	 	 	 	 
	150	 	 	 	 	 	 	 	 	 	 
	151	 	 	 	 	 	 	 	 	 	 
	152	 	 	 	 	 	 	 	 	 	 
	153	 	 	 	 	 	 	 	 	 	 
	154	 	 	 	 	 	 	 	 	 	 
	155	 	 	 	 	 	 	 	 	 	 
	156	 	 	 	 	 	 	 	 	 	 
	157	 	 	 	 	 	 	 	 	 	 
	158	 	 	 	 	 	 	 	 	 	 
	159	 	 	 	 	 	 	 	 	 	 
	160	 	 	 	 	 	 	 	 	 	 
	161	 	 	 	 	 	 	 	 	 	 
	162	 	 	 	 	 	 	 	 	 	 
	163	 	 	 	 	 	 	 	 	 	 
	164	 	 	 	 	 	 	 	 	 	 
	165	 	 	 	 	 	 	 	 	 	 
	166	 	 	 	 	 	 	 	 	 	 
	167	 	 	 	 	 	 	 	 	 	 
	168	 	 	 	 	 	 	 	 	 	 
	169	 	 	 	 	 	 	 	 	 	 
	170	 	 	 	 	 	 	 	 	 	 
	171	 	 	 	 	 	 	 	 	 	 
	172	 	 	 	 	 	 	 	 	 	 
	173	 	 	 	 	 	 	 	 	 	 
	174	 	 	 	 	 	 	 	 	 	 
	175	 	 	 	 	 	 	 	 	 	 
	176	 	 	 	 	 	 	 	 	 	 
	177	 	 	 	 	 	 	 	 	 	 
	178	 	 	 	 	 	 	 	 	 	 
	179	 	 	 	 	 	 	 	 	 	 
	180	 	 	 	 	 	 	 	 	 	 
	181	 	 	 	 	 	 	 	 	 	 
	182	 	 	 	 	 	 	 	 	 	 
	183	 	 	 	 	 	 	 	 	 	 
	184	 	 	 	 	 	 	 	 	 	 
	185	 	 	 	 	 	 	 	 	 	 
	186	 	 	 	 	 	 	 	 	 	 
	187	 	 	 	 	 	 	 	 	 	 
	188	 	 	 	 	 	 	 	 	 	 
	189	 	 	 	 	 	 	 	 	 	 
	190	 	 	 	 	 	 	 	 	 	 
	191	 	 	 	 	 	 	 	 	 	 
	192	 	 	 	 	 	 	 	 	 	 
	193	 	 	 	 	 	 	 	 	 	 
	194	 	 	 	 	 	 	 	 	 	 
	195	 	 	 	 	 	 	 	 	 	 
	196	 	 	 	 	 	 	 	 	 	 
	197	 	 	 	 	 	 	 	 	 	 
	198	 	 	 	 	 	 	 	 	 	 
	199	 	 	 	 	 	 	 	 	 	 
	200	 	 	 	 	 	 	 	 	 	 
	201	 	 	 	 	 	 	 	 	 	 
	202	 	 	 	 	 	 	 	 	 	 
	203	 	 	 	 	 	 	 	 	 	 
	204	 	 	 	 	 	 	 	 	 	 
	205	 	 	 	 	 	 	 	 	 	 
	206	 	 	 	 	 	 	 	 	 	 
	207	 	 	 	 	 	 	 	 	 	 
	208	 	 	 	 	 	 	 	 	 	 
	209	 	 	 	 	 	 	 	 	 	 
	210	 	 	 	 	 	 	 	 	 	 
	211	 	 	 	 	 	 	 	 	 	 
	212	 	 	 	 	 	 	 	 	 	 
	213	 	 	 	 	 	 	 	 	 	 
	214	 	 	 	 	 	 	 	 	 	 
	215	 	 	 	 	 	 	 	 	 	 
	216	 	 	 	 	 	 	 	 	 	 
	217	 	 	 	 	 	 	 	 	 	 
	218	 	 	 	 	 	 	 	 	 	 
	219	 	 	 	 	 	 	 	 	 	 
	220	 	 	 	 	 	 	 	 	 	 
	221	 	 	 	 	 	 	 	 	 	 
	222	 	 	 	 	 	 	 	 	 	 
	223	 	 	 	 	 	 	 	 	 	 
	224	 	 	 	 	 	 	 	 	 	 
	225	 	 	 	 	 	 	 	 	 	 
	226	 	 	 	 	 	 	 	 	 	 
	227	 	 	 	 	 	 	 	 	 	 
	228	 	 	 	 	 	 	 	 	 	 
	229	 	 	 	 	 	 	 	 	 	 
	230	 	 	 	 	 	 	 	 	 	 
	231	 	 	 	 	 	 	 	 	 	 
	232	 	 	 	 	 	 	 	 	 	 
	233	 	 	 	 	 	 	 	 	 	 
	234	 	 	 	 	 	 	 	 	 	 
	235	 	 	 	 	 	 	 	 	 	 
	236	 	 	 	 	 	 	 	 	 	 
	237	 	 	 	 	 	 	4/25/2012	 	 	0.04875
	238	 	 	 	 	 	 	3/16/2012	 	 	0.04875
	239	 	 	 	 	 	 	 	 	 	 
	240	 	 	 	 	 	 	 	 	 	 
	241	 	 	 	 	 	 	 	 	 	 
	242	 	 	 	 	 	 	 	 	 	 
	243	 	 	 	 	 	 	 	 	 	 
	244	 	 	 	 	 	 	4/20/2012	 	 	0.04625
	245	 	 	 	 	 	 	 	 	 	 
	246	 	 	 	 	 	 	1/28/2012	 	 	0.04875
	247	 	 	 	 	 	 	 	 	 	 
	248	 	 	 	 	 	 	 	 	 	 
	249	 	 	 	 	 	 	 	 	 	 
	250	 	 	 	 	 	 	 	 	 	 
	251	 	 	 	 	 	 	 	 	 	 
	252	 	 	 	 	 	 	 	 	 	 
	253	 	 	 	 	 	 	 	 	 	 
	254	 	 	 	 	 	 	 	 	 	 
	255	 	 	 	 	 	 	2/23/2012	 	 	0.04875
	256	 	 	 	 	 	 	4/17/2012	 	 	0.055
	257	 	 	 	 	 	 	 	 	 	 
	258	 	 	 	 	 	 	4/24/2012	 	 	0.04625
	259	 	 	 	 	 	 	 	 	 	 
	260	 	 	 	 	 	 	9/19/2011	 	 	0.055
	261	 	 	 	 	 	 	 	 	 	 
	262	 	 	 	 	 	 	 	 	 	 
	263	 	 	 	 	 	 	 	 	 	 
	264	 	 	 	 	 	 	4/24/2012	 	 	0.04625
	265	 	 	 	 	 	 	 	 	 	 
	266	 	 	 	 	 	 	 	 	 	 
	267	 	 	 	 	 	 	 	 	 	 
	268	 	 	 	 	 	 	 	 	 	 
	269	 	 	 	 	 	 	 	 	 	 
	270	 	 	 	 	 	 	 	 	 	 
	271	 	 	 	 	 	 	 	 	 	 
	272	 	 	 	 	 	 	 	 	 	 
	273	 	 	 	 	 	 	 	 	 	 
	274	 	 	 	 	 	 	 	 	 	 
	275	 	 	 	 	 	 	 	 	 	 
	276	 	 	 	 	 	 	 	 	 	 
	277	 	 	 	 	 	 	 	 	 	 
	278	 	 	 	 	 	 	 	 	 	 
	279	 	 	 	 	 	 	 	 	 	 

 

	 	151	152	153	154	155	156	157	158	159	160
	 	
        Pre-Modification P&I

        Payment
	
        Pre-Modification

        Initial Interest Rate

        Change Downward

        Cap
	
        Pre-Modification

        Subsequent Interest

        Rate Cap
	
        Pre-Modification

        Next Interest Rate

        Change Date
	
        Pre-Modification I/O

        Term
	
        Forgiven Principal

        Amount
	
        Forgiven Interest

        Amount
	
        Number of

        Modifications
	Cash To/From Brrw at Closing	Brrw - Yrs at in Industry
	1	 	 	 	 	 	 	 	 	 	15
	2	 	 	 	 	 	 	 	 	 	33
	3	 	 	 	 	 	 	 	 	 	10
	4	 	 	 	 	 	 	 	 	 	20
	5	 	 	 	 	 	 	 	 	 	5
	6	 	 	 	 	 	 	 	 	 	6
	7	 	 	 	 	 	 	 	 	 	4
	8	 	 	 	 	 	 	 	 	 	20
	9	 	 	 	 	 	 	 	 	 	9.75
	10	 	 	 	 	 	 	 	 	 	20
	11	 	 	 	 	 	 	 	 	 	15
	12	 	 	 	 	 	 	 	 	 	21
	13	 	 	 	 	 	 	 	 	 	28
	14	 	 	 	 	 	 	 	 	 	9
	15	 	 	 	 	 	 	 	 	 	7
	16	 	 	 	 	 	 	 	 	 	20
	17	 	 	 	 	 	 	 	 	 	1.25
	18	 	 	 	 	 	 	 	 	 	10
	19	 	 	 	 	 	 	 	 	 	8
	20	 	 	 	 	 	 	 	 	 	10
	21	 	 	 	 	 	 	 	 	 	16
	22	 	 	 	 	 	 	 	 	 	23
	23	 	 	 	 	 	 	 	 	 	20
	24	 	 	 	 	 	 	 	 	 	4
	25	 	 	 	 	 	 	 	 	 	22
	26	 	 	 	 	 	 	 	 	 	30
	27	 	 	 	 	 	 	 	 	 	30
	28	 	 	 	 	 	 	 	 	 	12
	29	 	 	 	 	 	 	 	 	 	0
	30	 	 	 	 	 	 	 	 	 	30
	31	 	 	 	 	 	 	 	 	 	6
	32	 	 	 	 	 	 	 	 	 	20
	33	 	 	 	 	 	 	 	 	 	25
	34	 	 	 	 	 	 	 	 	 	33
	35	 	 	 	 	 	 	 	 	 	25
	36	 	 	 	 	 	 	 	 	 	33
	37	 	 	 	 	 	 	 	 	 	20.75
	38	 	 	 	 	 	 	 	 	 	15
	39	 	 	 	 	 	 	 	 	 	12
	40	 	 	 	 	 	 	 	 	 	12
	41	 	 	 	 	 	 	 	 	 	14
	42	 	 	 	 	 	 	 	 	 	5
	43	 	 	 	 	 	 	 	 	 	32.25
	44	 	 	 	 	 	 	 	 	 	10
	45	 	 	 	 	 	 	 	 	 	30
	46	 	 	 	 	 	 	 	 	 	20
	47	 	 	 	 	 	 	 	 	 	9.5
	48	 	 	 	 	 	 	 	 	 	25
	49	 	 	 	 	 	 	 	 	 	31
	50	 	 	 	 	 	 	 	 	 	22.9
	51	 	 	 	 	 	 	 	 	 	20
	52	 	 	 	 	 	 	 	 	 	16.25
	53	 	 	 	 	 	 	 	 	 	10
	54	 	 	 	 	 	 	 	 	 	15
	55	 	 	 	 	 	 	 	 	 	28
	56	 	 	 	 	 	 	 	 	 	13
	57	 	 	 	 	 	 	 	 	 	12
	58	 	 	 	 	 	 	 	 	 	17
	59	 	 	 	 	 	 	 	 	 	20
	60	 	 	 	 	 	 	 	 	 	29
	61	 	 	 	 	 	 	 	 	 	25
	62	 	 	 	 	 	 	 	 	 	13
	63	 	 	 	 	 	 	 	 	 	29
	64	 	 	 	 	 	 	 	 	 	11
	65	 	 	 	 	 	 	 	 	 	25
	66	 	 	 	 	 	 	 	 	 	30
	67	 	 	 	 	 	 	 	 	 	12
	68	 	 	 	 	 	 	 	 	 	30
	69	 	 	 	 	 	 	 	 	 	20
	70	 	 	 	 	 	 	 	 	 	14
	71	 	 	 	 	 	 	 	 	 	25
	72	 	 	 	 	 	 	 	 	 	29
	73	 	 	 	 	 	 	 	 	 	14
	74	 	 	 	 	 	 	 	 	 	5
	75	 	 	 	 	 	 	 	 	 	12
	76	 	 	 	 	 	 	 	 	 	5
	77	 	 	 	 	 	 	 	 	 	21
	78	 	 	 	 	 	 	 	 	 	21.5
	79	 	 	 	 	 	 	 	 	 	20
	80	 	 	 	 	 	 	 	 	 	0
	81	 	 	 	 	 	 	 	 	 	0.8
	82	 	 	 	 	 	 	 	 	 	17
	83	 	 	 	 	 	 	 	 	 	20
	84	 	 	 	 	 	 	 	 	 	55
	85	 	 	 	 	 	 	 	 	 	23
	86	 	 	 	 	 	 	 	 	 	14
	87	 	 	 	 	 	 	 	 	 	30
	88	 	 	 	 	 	 	 	 	 	43
	89	 	 	 	 	 	 	 	 	 	30
	90	 	 	 	 	 	 	 	 	 	18
	91	 	 	 	 	 	 	 	 	 	19
	92	 	 	 	 	 	 	 	 	 	29
	93	 	 	 	 	 	 	 	 	 	10
	94	 	 	 	 	 	 	 	 	 	16
	95	 	 	 	 	 	 	 	 	 	4
	96	 	 	 	 	 	 	 	 	 	9
	97	 	 	 	 	 	 	 	 	 	0
	98	 	 	 	 	 	 	 	 	 	13
	99	 	 	 	 	 	 	 	 	 	9
	100	 	 	 	 	 	 	 	 	 	12.5
	101	 	 	 	 	 	 	 	 	 	15
	102	 	 	 	 	 	 	 	 	 	0
	103	 	 	 	 	 	 	 	 	 	10
	104	 	 	 	 	 	 	 	 	 	14
	105	 	 	 	 	 	 	 	 	 	29
	106	 	 	 	 	 	 	 	 	 	7
	107	 	 	 	 	 	 	 	 	 	10.25
	108	 	 	 	 	 	 	 	 	 	18
	109	 	 	 	 	 	 	 	 	 	30
	110	 	 	 	 	 	 	 	 	 	35
	111	 	 	 	 	 	 	 	 	 	0
	112	 	 	 	 	 	 	 	 	 	20
	113	 	 	 	 	 	 	 	 	 	6
	114	 	 	 	 	 	 	 	 	 	13
	115	 	 	 	 	 	 	 	 	 	25
	116	 	 	 	 	 	 	 	 	 	22
	117	 	 	 	 	 	 	 	 	 	35
	118	 	 	 	 	 	 	 	 	 	12
	119	 	 	 	 	 	 	 	 	 	21
	120	 	 	 	 	 	 	 	 	 	18
	121	 	 	 	 	 	 	 	 	 	30
	122	 	 	 	 	 	 	 	 	 	13
	123	 	 	 	 	 	 	 	 	 	0
	124	 	 	 	 	 	 	 	 	 	25
	125	 	 	 	 	 	 	 	 	 	17
	126	 	 	 	 	 	 	 	 	 	12
	127	 	 	 	 	 	 	 	 	 	12
	128	 	 	 	 	 	 	 	 	 	35
	129	 	 	 	 	 	 	 	 	 	13
	130	 	 	 	 	 	 	 	 	 	2
	131	 	 	 	 	 	 	 	 	 	8.5
	132	 	 	 	 	 	 	 	 	 	22
	133	 	 	 	 	 	 	 	 	 	14
	134	 	 	 	 	 	 	 	 	 	12
	135	 	 	 	 	 	 	 	 	 	5
	136	 	 	 	 	 	 	 	 	 	25
	137	 	 	 	 	 	 	 	 	 	13
	138	 	 	 	 	 	 	 	 	 	11
	139	 	 	 	 	 	 	 	 	 	24
	140	 	 	 	 	 	 	 	 	 	7
	141	 	 	 	 	 	 	 	 	 	20
	142	 	 	 	 	 	 	 	 	 	5
	143	 	 	 	 	 	 	 	 	 	10
	144	 	 	 	 	 	 	 	 	 	28
	145	 	 	 	 	 	 	 	 	 	12
	146	 	 	 	 	 	 	 	 	 	10
	147	 	 	 	 	 	 	 	 	 	11
	148	 	 	 	 	 	 	 	 	 	20
	149	 	 	 	 	 	 	 	 	 	9
	150	 	 	 	 	 	 	 	 	 	12
	151	 	 	 	 	 	 	 	 	 	7
	152	 	 	 	 	 	 	 	 	 	27
	153	 	 	 	 	 	 	 	 	 	12
	154	 	 	 	 	 	 	 	 	 	10
	155	 	 	 	 	 	 	 	 	 	12
	156	 	 	 	 	 	 	 	 	 	8.5
	157	 	 	 	 	 	 	 	 	 	20
	158	 	 	 	 	 	 	 	 	 	10
	159	 	 	 	 	 	 	 	 	 	15
	160	 	 	 	 	 	 	 	 	 	15
	161	 	 	 	 	 	 	 	 	 	26
	162	 	 	 	 	 	 	 	 	 	2
	163	 	 	 	 	 	 	 	 	 	15
	164	 	 	 	 	 	 	 	 	 	18
	165	 	 	 	 	 	 	 	 	 	14
	166	 	 	 	 	 	 	 	 	 	14
	167	 	 	 	 	 	 	 	 	 	15
	168	 	 	 	 	 	 	 	 	 	33
	169	 	 	 	 	 	 	 	 	 	20
	170	 	 	 	 	 	 	 	 	 	0
	171	 	 	 	 	 	 	 	 	 	11
	172	 	 	 	 	 	 	 	 	 	16
	173	 	 	 	 	 	 	 	 	 	14
	174	 	 	 	 	 	 	 	 	 	45
	175	 	 	 	 	 	 	 	 	 	11
	176	 	 	 	 	 	 	 	 	 	2
	177	 	 	 	 	 	 	 	 	 	5
	178	 	 	 	 	 	 	 	 	 	15
	179	 	 	 	 	 	 	 	 	 	15
	180	 	 	 	 	 	 	 	 	 	7
	181	 	 	 	 	 	 	 	 	 	10
	182	 	 	 	 	 	 	 	 	 	12.5
	183	 	 	 	 	 	 	 	 	 	20
	184	 	 	 	 	 	 	 	 	 	16
	185	 	 	 	 	 	 	 	 	 	2.25
	186	 	 	 	 	 	 	 	 	 	11
	187	 	 	 	 	 	 	 	 	 	15
	188	 	 	 	 	 	 	 	 	 	28
	189	 	 	 	 	 	 	 	 	 	21
	190	 	 	 	 	 	 	 	 	 	7
	191	 	 	 	 	 	 	 	 	 	17
	192	 	 	 	 	 	 	 	 	 	20
	193	 	 	 	 	 	 	 	 	 	20
	194	 	 	 	 	 	 	 	 	 	16
	195	 	 	 	 	 	 	 	 	 	13
	196	 	 	 	 	 	 	 	 	 	12
	197	 	 	 	 	 	 	 	 	 	8
	198	 	 	 	 	 	 	 	 	 	7.25
	199	 	 	 	 	 	 	 	 	 	6
	200	 	 	 	 	 	 	 	 	 	30
	201	 	 	 	 	 	 	 	 	 	26
	202	 	 	 	 	 	 	 	 	 	3
	203	 	 	 	 	 	 	 	 	 	11
	204	 	 	 	 	 	 	 	 	 	2
	205	 	 	 	 	 	 	 	 	 	0
	206	 	 	 	 	 	 	 	 	 	23
	207	 	 	 	 	 	 	 	 	 	38
	208	 	 	 	 	 	 	 	 	 	25
	209	 	 	 	 	 	 	 	 	 	20
	210	 	 	 	 	 	 	 	 	 	25
	211	 	 	 	 	 	 	 	 	 	32
	212	 	 	 	 	 	 	 	 	 	20.25
	213	 	 	 	 	 	 	 	 	 	27
	214	 	 	 	 	 	 	 	 	 	0
	215	 	 	 	 	 	 	 	 	 	10
	216	 	 	 	 	 	 	 	 	 	39
	217	 	 	 	 	 	 	 	 	 	15
	218	 	 	 	 	 	 	 	 	 	4
	219	 	 	 	 	 	 	 	 	 	16
	220	 	 	 	 	 	 	 	 	 	20
	221	 	 	 	 	 	 	 	 	 	13
	222	 	 	 	 	 	 	 	 	 	11.6
	223	 	 	 	 	 	 	 	 	 	25
	224	 	 	 	 	 	 	 	 	 	15
	225	 	 	 	 	 	 	 	 	 	17
	226	 	 	 	 	 	 	 	 	 	8
	227	 	 	 	 	 	 	 	 	 	24
	228	 	 	 	 	 	 	 	 	 	17
	229	 	 	 	 	 	 	 	 	 	10
	230	 	 	 	 	 	 	 	 	 	14
	231	 	 	 	 	 	 	 	 	 	21
	232	 	 	 	 	 	 	 	 	 	10
	233	 	 	 	 	 	 	 	 	 	13
	234	 	 	 	 	 	 	 	 	 	0
	235	 	 	 	 	 	 	 	 	 	20
	236	 	 	 	 	 	 	 	 	 	3
	237	2593.12	 	 	 	 	 	 	 	 	20
	238	2646.04	 	 	 	 	 	 	 	 	14
	239	 	 	 	 	 	 	 	 	 	20
	240	 	 	 	 	 	 	 	 	 	25
	241	 	 	 	 	 	 	 	 	 	4
	242	 	 	 	 	 	 	 	 	 	14
	243	 	 	 	 	 	 	 	 	 	20
	244	3341.91	 	 	 	 	 	 	 	 	15
	245	 	 	 	 	 	 	 	 	 	7
	246	3545.7	 	 	 	 	 	 	 	 	23
	247	 	 	 	 	 	 	 	 	 	10
	248	 	 	 	 	 	 	 	 	 	25
	249	 	 	 	 	 	 	 	 	 	30
	250	 	 	 	 	 	 	 	 	 	20
	251	 	 	 	 	 	 	 	 	 	31
	252	 	 	 	 	 	 	 	 	 	26
	253	 	 	 	 	 	 	 	 	 	11
	254	 	 	 	 	 	 	 	 	 	15
	255	4762.87	 	 	 	 	 	 	 	 	11
	256	4542.31	 	 	 	 	 	 	 	 	20
	257	 	 	 	 	 	 	 	 	 	9
	258	4267.36	 	 	 	 	 	 	 	 	15
	259	 	 	 	 	 	 	 	 	 	10
	260	5053.32	 	 	 	 	 	 	 	 	15
	261	 	 	 	 	 	 	 	 	 	10
	262	 	 	 	 	 	 	 	 	 	11
	263	 	 	 	 	 	 	 	 	 	24
	264	5655.53	 	 	 	 	 	 	 	 	24
	265	 	 	 	 	 	 	 	 	 	15
	266	 	 	 	 	 	 	 	 	 	10
	267	 	 	 	 	 	 	 	 	 	30
	268	 	 	 	 	 	 	 	 	 	10
	269	 	 	 	 	 	 	 	 	 	31
	270	 	 	 	 	 	 	 	 	 	23
	271	 	 	 	 	 	 	 	 	 	43
	272	 	 	 	 	 	 	 	 	 	15
	273	 	 	 	 	 	 	 	 	 	28
	274	 	 	 	 	 	 	 	 	 	20
	275	 	 	 	 	 	 	 	 	 	30
	276	 	 	 	 	 	 	 	 	 	17
	277	 	 	 	 	 	 	 	 	 	18.5
	278	 	 	 	 	 	 	 	 	 	12
	279	 	 	 	 	 	 	 	 	 	23

 

	 	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	13	0	20421201	12916.66	0	0	11666.66
	2	 	0	20421101	32201.34	0	0	0
	3	 	5050	20421101	18875	0	0	0
	4	 	0	20421101	19445.13	0	0	0
	5	18	0	20420901	18333.34	0	0	7442.93
	6	 	0	20421201	15418.08	0	0	0
	7	12	0	20421101	9146.04	0	0	12250.01
	8	21	0	20421201	11493.64	0	0	5124.59
	9	 	0	20421101	18471.34	0	0	0
	10	15	0	20421101	8924.83	0	0	9708.31
	11	9	0	20421101	9168	0	0	4637.34
	12	 	0	20420801	18754.89	0	0	0
	13	 	0	20421101	12131.3	0	0	0
	14	 	0	20421101	22083.34	0	0	0
	15	7	0	20421101	7683.67	0	0	8333.33
	16	0	0	20421001	10583	7667	0	0
	17	 	0	20421101	14583.33	0	0	0
	18	 	0	20421101	31250.09	0	0	0
	19	3	0	20421001	9583	4167	0	4635
	20	10	0	20421001	20292	0	0	5833
	21	6	0	20271001	11030.79	0	0	2228.3
	22	6.5	0	20421201	19719.62	0	0	0
	23	12	60000	20421101	0	0	0	21462.84
	24	8	0	20421101	13332.8	0	0	2665.87
	25	18	0	20421101	10841.96	0	0	8279.05
	26	 	0	20421101	9626.92	0	0	0
	27	 	0	20420401	13000	0	0	 
	28	 	0	20421101	16781.71	0	0	0
	29	8.5	0	20421101	0	0	0	80296.3
	30	22	0	20420601	4054.42	0	0	12428
	31	16	0	20421101	18862	0	0	5690.16
	32	 	0	20421101	12500	0	0	0
	33	 	0	20271001	24723	0	0	0
	34	 	300000	20420901	16878.6	0	0	0
	35	 	0	20421101	51823.62	0	0	0
	36	33	0	20271001	269436.19	0	0	269436.19
	37	20.75	0	20421101	4636.71	0	0	3943
	38	 	0	20271001	22253.77	0	0	0
	39	 	0	20421101	14583.33	23504.63	0	0
	40	 	176596	20421101	22641.28	0	0	0
	41	 	0	20421101	14992.77	0	0	0
	42	9	0	20421101	16138.33	0	0	8463.26
	43	12	0	20421101	10666.67	0	0	33381.29
	44	 	0	20420201	12500	0	6614.77	 
	45	 	0	20421101	19166.67	0	0	0
	46	7	0	20421101	20108.33	0	0	5125
	47	10.5	0	20421101	40338.75	0	0	6000
	48	 	0	20421001	14854.67	5456.84	0	0
	49	15	0	20420901	19000	6666.67	0	915.59
	50	0	0	20420601	20557	0	0	0
	51	 	0	20420901	18464.7	3333.33	0	0
	52	 	0	20421101	35093.04	0	0	0
	53	10	0	20271001	9583.34	0	0	12083.33
	54	 	0	20271101	16666.68	0	37595.06	0
	55	13	0	20271001	14443.67	0	0	3375
	56	 	0	20421101	14583.27	0	0	0
	57	9.5	0	20421101	12500	0	0	8626.8
	58	15	0	20421101	19166.66	0	0	7271.55
	59	 	0	20421101	28767.75	0	0	0
	60	 	0	20420701	24500.67	0	0	 
	61	 	0	20421101	13820	0	0	0
	62	 	0	20271001	26608.5	0	0	0
	63	 	0	20271001	116173.15	0	0	0
	64	 	0	20420501	18744.24	15521.88	0	 
	65	 	0	20420701	14445.76	10159.25	0	0
	66	0	0	20420701	65354	0	0	0
	67	10	0	20420801	17660.83	0	0	2348.42
	68	 	0	20420601	53884	0	0	 
	69	 	0	20420401	30416.66	0	0	0
	70	 	0	20421101	1948.45	0	15200	0
	71	0	0	20411201	28277	0	0	0
	72	23	0	20420601	50000	0	0	0
	73	16	0	20421101	27562.91	0	0	0
	74	 	0	20421001	37142	0	0	0
	75	12	0	20421101	5193.33	0	0	2098.5
	76	 	0	20421101	20420.08	0	0	0
	77	 	0	20421001	9370.5	0	0	0
	78	18.5	0	20421001	295781.58	0	0	0
	79	0	250000	20421001	20333.92	8246	0	0
	80	0	0	20420701	0	0	0	0
	81	0	0	20420501	16512	0	0	0
	82	0	0	20420601	30667	0	0	0
	83	 	0	20421101	22916.66	0	0	0
	84	40	0	20271101	50733.88	0	0	0
	85	 	0	20421001	18985.86	0	0	0
	86	17	0	20421201	16900	0	0	6760.13
	87	10	0	20421101	13596.18	0	0	16666.67
	88	38	0	20421201	8861.58	0	0	2677.33
	89	23	0	20421101	7805.55	0	0	8652.87
	90	6	0	20421201	14804.34	0	0	17833.4
	91	 	0	20421201	8750	0	0	0
	92	 	25000	20421001	10796	0	0	0
	93	 	0	20421201	20799.29	0	0	0
	94	 	0	20421101	13384.38	0	0	0
	95	8	75000	20421101	9446.26	0	0	3483.46
	96	6	0	20421101	8193.74	0	0	5659.33
	97	 	0	20421101	7220.73	0	0	7420.01
	98	12	0	20421101	10226.25	0	0	8372.49
	99	9	0	20421201	27304.87	0	0	0
	100	 	0	20421201	95737.33	0	0	0
	101	 	92000	20421101	12500	1594.09	0	0
	102	 	0	20271001	35427.34	0	0	0
	103	 	0	20421101	8332.92	0	0	0
	104	 	0	20420901	15000	8958.33	0	0
	105	 	0	20421101	12368	0	0	0
	106	 	0	20421201	15000	0	0	0
	107	7.5	0	20421101	27250	0	0	9016.8
	108	13	0	20421101	23618.25	0	0	0
	109	 	500000	20421101	12500	19437.33	0	0
	110	 	0	20420901	8228	0	0	0
	111	 	0	20421101	34598.71	0	0	0
	112	14	0	20421101	9750	19867.17	0	5666.68
	113	35	0	20421001	15806.74	0	0	3666
	114	12	0	20421101	6716.54	0	0	26250
	115	 	0	20421101	15833.34	0	0	0
	116	 	0	20421201	59956.75	0	0	0
	117	 	0	20421101	22522.52	0	0	0
	118	 	0	20421001	20585.58	0	0	0
	119	20	0	20421101	10728.86	0	0	0
	120	12	0	20420301	12500	0	0	3750
	121	22	0	20421101	23743.04	0	0	6236.82
	122	 	0	20420901	29620	0	0	0
	123	 	0	20421101	36911.33	0	0	0
	124	15	0	20420301	42670	0	0	5225
	125	15	0	20421101	8154.16	0	0	7341.66
	126	3.8	57500	20411101	6229.17	0	0	7355.79
	127	0	0	20421001	25000	0	0	0
	128	7	0	20421001	15604	0	0	5460
	129	13	0	20421101	13645.97	0	0	14471.77
	130	 	0	20421101	11166.13	0	0	0
	131	12	0	20421101	14820	0	0	10213.75
	132	 	333732	20420901	23206.95	0	0	0
	133	11	0	20421001	6553.44	0	0	7347.82
	134	 	130389	20271101	25781.25	0	0	0
	135	2	0	20421101	15000	0	0	2950.67
	136	15	0	20421101	7925.5	0	0	7083.34
	137	17	0	20421101	9243.08	9642.87	0	9943.76
	138	11	0	20420901	13217	0	0	17232
	139	12	0	20421201	19208.91	0	0	8125.02
	140	2	0	20421101	12553.83	0	0	11700.22
	141	15	0	20421101	12292.48	0	0	6784.27
	142	9	0	20421101	6371.09	0	0	27083.32
	143	 	0	20421101	7682.25	0	5583	0
	144	 	0	20421101	23333.34	0	0	0
	145	 	0	20421101	15833.32	5000	0	0
	146	 	150000	20421101	20833.33	8930.08	0	0
	147	2	0	20421101	16334.07	0	0	8333.33
	148	20	0	20421001	12692.91	0	0	13993
	149	7	0	20421101	20000	6604.17	0	4524.98
	150	 	0	20421101	16501.92	0	0	0
	151	 	0	20421101	40381.75	0	0	0
	152	 	0	20421101	0	0	0	0
	153	 	0	20421101	15022.88	0	0	0
	154	15	0	20421101	18128.71	0	0	5137.14
	155	 	0	20421201	1972	0	19281.82	0
	156	 	0	20421101	16356.91	0	0	0
	157	15	0	20421101	13333.33	0	0	6746.58
	158	 	0	20421101	11618.22	0	0	0
	159	 	25000	20421101	1247.5	0	29342	0
	160	 	0	20271001	43169.42	0	0	0
	161	5	0	20271101	0	0	32485	0
	162	 	0	20421101	7308.15	0	0	0
	163	 	0	20421101	12473.35	13955.8	0	0
	164	 	0	20421201	28201.75	0	0	0
	165	 	0	20421101	16158.33	3685.75	0	0
	166	14	0	20421201	13541.66	0	0	47903.92
	167	 	0	20421101	16300.83	2986.32	6861.97	0
	168	 	0	20421201	18937.94	0	0	0
	169	28	0	20421101	24103.62	0	0	8696.55
	170	15	0	20421101	1491.9	0	0	3797.83
	171	 	0	20421101	10172.17	0	0	0
	172	 	0	20421101	0	0	38330	0
	173	 	0	20421001	20963.91	0	0	0
	174	48	0	20421101	3677	0	0	0
	175	12	0	20421101	10758.32	0	0	0
	176	6.5	0	20421101	6250	0	0	11123
	177	 	0	20421101	15833.34	0	0	0
	178	15	0	20421201	4501.44	0	0	6666.68
	179	 	0	20421101	13743.08	0	0	0
	180	 	0	20421101	25525.67	0	0	0
	181	8	0	20421201	12280.46	2762.36	0	10686.35
	182	12	0	20421101	14582.53	5913.42	0	12274.44
	183	 	0	20421101	20000.5	0	0	0
	184	 	0	20421001	14905.77	0	0	0
	185	 	0	20421201	10857.42	0	0	0
	186	 	25557	20421101	25925	0	0	0
	187	 	0	20421101	15000	0	0	0
	188	 	0	20421101	46660	0	0	0
	189	 	0	20421101	31016	0	0	0
	190	9	0	20421101	5833.33	0	0	2708.51
	191	12	0	20421101	4556.5	0	0	6944.62
	192	 	0	20421201	23760.92	0	0	0
	193	 	0	20421101	14447.41	0	0	0
	194	 	0	20420701	18750	0	0	 
	195	20	0	20270901	17178	0	0	7719
	196	 	0	20421001	12553.33	0	0	0
	197	23	0	20421101	7500	0	0	10426
	198	 	215000	20421101	33142.17	0	0	0
	199	 	0	20421201	13835.53	0	0	0
	200	18	0	20421101	6203.79	0	0	9468.72
	201	 	0	20421101	12495.38	2569	0	0
	202	 	0	20421001	12043.25	0	0	0
	203	 	0	20421201	15833.34	0	0	0
	204	12	0	20421001	7714.33	0	0	9335.85
	205	 	0	20420601	0	0	0	 
	206	 	0	20421001	15453.6	3301	0	0
	207	10	0	20421101	9395.17	0	0	9166.66
	208	20	0	20421101	10333.33	0	0	9776.4
	209	 	0	20421101	20833.32	41992.84	0	0
	210	14	0	20420801	10417	0	0	13750
	211	30	0	20421101	28531	0	0	28531
	212	 	0	20421101	21541.5	0	0	0
	213	3	0	20421201	16982.41	0	0	8026.3
	214	10.25	0	20420901	0	0	0	55676.41
	215	10	0	20420201	0	0	0	0
	216	4	175200	20421101	16666.67	0	0	431.66
	217	13	0	20421001	8883.34	0	0	4683.34
	218	20	0	20421001	6875	0	0	8155.68
	219	0	0	20421001	36250	0	0	0
	220	10	0	20421101	9584.84	0	0	5687.75
	221	13	0	20421101	30275.83	0	0	6242.24
	222	11.4	0	20421001	9072	0	0	9072
	223	 	0	20421001	0	0	99438.29	0
	224	 	0	20421201	10045	0	0	0
	225	 	200000	20421101	21248.93	0	0	0
	226	17	0	20421001	12500	0	0	9888.08
	227	 	0	20421101	9241.25	0	0	0
	228	8	0	20421101	10790	0	0	6041.67
	229	7	0	20421001	13120	0	0	7417
	230	0	0	20421001	17000	0	0	0
	231	0	0	20420901	12500	0	0	0
	232	16	0	20421001	6842.9	0	0	27000
	233	13	0	20421101	9071.96	0	0	9152.42
	234	9	0	20421101	0	0	0	13498.33
	235	 	0	20421101	10090	0	0	0
	236	 	0	20421101	16666.67	7333.33	0	0
	237	 	0	20410601	10289.85	0	0	0
	238	 	0	20410501	8245.18	0	0	0
	239	16	0	20420601	6394.58	0	0	5311.83
	240	15	50000	20420601	13648.34	0	0	11466.26
	241	 	0	20420601	9174.64	0	0	0
	242	 	0	20420701	17070.21	0	0	0
	243	12	0	20420601	10076.58	0	0	1239.17
	244	10	0	20410901	7877.32	0	0	18360.17
	245	 	0	20420201	14875	0	0	0
	246	 	0	20410101	22533.34	0	0	0
	247	3	140035	20420701	20000	0	0	19166.66
	248	 	450000	20420701	16250	37019.33	0	0
	249	 	0	20420401	54166.66	0	0	0
	250	 	0	20420401	25040.75	0	0	0
	251	 	0	20420501	18555.93	0	0	0
	252	20	200000	20420801	20166.66	0	0	9567.62
	253	25	0	20420501	7353.17	0	0	6989.57
	254	15	0	20420401	8148.92	0	0	8483.63
	255	10	0	20410701	24999.99	0	0	15000
	256	20	0	20400101	20000	0	0	3061.88
	257	 	0	20420201	15097.51	0	0	0
	258	 	0	20410901	23340	0	0	0
	259	11	0	20420301	15606	0	0	8541.56
	260	9	0	20391101	10266.34	0	0	7757
	261	7	0	20420401	14838.55	0	0	13942.75
	262	3	200000	20420301	21547.62	0	0	12082.17
	263	 	0	20420701	20833.33	242298.12	0	0
	264	 	0	20420101	57169.42	0	0	6786.16
	265	 	0	20420401	0	0	0	0
	266	 	0	20421101	12065.41	0	0	0
	267	 	0	20421101	5652.07	0	0	2309.82
	268	12	0	20421101	9012.51	0	0	2383.41
	269	 	0	20421101	65547.58	0	0	0
	270	 	0	20420901	13053	0	0	0
	271	 	0	20421101	33333.34	0	0	0
	272	13	0	20421101	8899.93	0	0	6796.42
	273	 	41509	20421101	14537.5	0	0	4354.61
	274	15	0	20421101	13904.9	0	0	15844
	275	 	0	20271001	40000	0	0	0
	276	14	0	20421101	13290.29	0	0	11641.6
	277	10	0	20421101	21610.83	0	0	156.71
	278	 	0	20421101	30659.08	0	0	0
	279	 	0	20421101	37559.55	0	0	0

 

	 	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	0	Full	Two Years	Two Months
	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	10857.84	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	413.25	4022.71	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	634	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	 	 	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	 	 	Full	Two Years	Two Months
	45	0	0	Full	Two Years	Two Months
	46	0	0	Full	Two Years	Two Months
	47	1976.55	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	 	 	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	 	 	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	 	 	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	0	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	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	1458.33	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	0	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	2555.5	0	Full	Two Years	Two Months
	177	0	0	Full	Two Years	Two Months
	178	0	4426.09	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	 	 	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	 	 	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

  

    	 

    	 

    
 

	MERSID	Organization
	1000383	RRAC/Cenlar
	1000199	Guild
    Mortgage
	1000200	PHH
	1000235	Evergreen
    Home Loans
	1000290	Colonial
    Savings
	1000302	Cherry
    Creek
	1000312	Wintrust
    Mortgage A Division of Barrington Bank & Trust Co
	1000324	Shore
    Financial Services, Inc.
	1000342	Prospect
	1000457	Provident
	1000522	Franklin
    American Mortgage
	1000536	Prime
    Lending
	1000634	EverBank
	1000953	Megastar
    Financial
	1001098	Plaza
    Home Mortgage
	1001105	Fremont
    Bank
	1001266	South
    Carolina Bank & Trust
	1001464	Primary
    Residential
	1001770	Cornerstone
	1001863	Sterling
    Savings Bank
	1002338	First
    Republic
	1002793	American
    Pacific
	1002956	Monarch
    Bank
	1003626	Boston
    Private
	1003647	Leader
    Bank
	1003924	Fairway
	1003970	GuardHill
    Financial Corp.
	1004333	Castle
    & Cook
	1004639	Paramount
    Equity
	1005723	Stifel
	1006166	Bay
    Equity
	1006318	Bank
    of Commerce
	1008118	Fidelity
    Bank Mortgage
	1008498	Flagstar
    Bank, F.S.B.
	1008808	Cole
    Taylor Bank
	1009011	Mortgage
    Masters
	1009229	Independent
    Bankcorp
	9999995	GFI
    Mortgage Bankers
	9999996	WL
    Bradley

 

    	 

    	 	

    
 

ASF RMBS DISCLOSURE PACKAGE

  

	
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 = Unavailable

	  

    	 

    	 	

    

 

 

    	 

    	 	

    

 

APPENDIX A

 

MODIFICATIONS TO THE
FLOW SERVICING AGREEMENT

 

1.           The
definition of “Assumed Principal Balance” in Section 1 is revised to read in its entirety as follows:

 

“Assumed
Principal Balance: As to each Mortgage Loan as of any date of determination, (i) the principal balance of the Mortgage
Loan outstanding as of the Cut-off Date after application of payments due on or before the Cut-off Date, whether or not received,
minus (ii) all amounts previously distributed to the Owner with respect to the Mortgage Loan pursuant to Subsection 11.15 and representing
(a) payments or other recoveries of principal or (b) advances of scheduled principal payments made pursuant to Subsection 11.17.”

 

2.           The
definition of “Business Day” in Section 1 is revised to read in its entirety as follows:

 

“Business
Day: Any day other than (i) a Saturday or a Sunday, or (ii) a legal holiday in the State of New York, the State of New Jersey,
the State of California, the State of Delaware, the State of Maryland or the State of Minnesota, or (iii) a day on which banks
in the State of New York, the State of New Jersey, the State of California, the State of Delaware, the State of Maryland or the
State of Minnesota are authorized or obligated by law or executive order to be closed.”

 

3.           The
definition of “Closing Date” in Section 1 is revised to read in its entirety as follows:

 

“Closing
Date: January 15, 2013, except with respect to Section 3 and the Servicer Acknowledgement(s).”

 

4.           The
definition of “Cut-off Date” in Section 1 is revised to read in its entirety as follows:

 

“Cut-off
Date: January 1, 2013, except with respect to the Servicer Acknowledgement(s).”

 

5.           The
definition of “Eligible Account” in Section 1 is revised to read in its entirety as follows:

 

    	 

    	 

    

 

“Eligible Account:
Any account or accounts maintained with a federal or state chartered depository institution or trust company the 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) satisfy each of the following criteria: (1) the short-term unsecured debt obligations
of such entity are rated in the highest rating category of Fitch, Inc. (“Fitch”) and Moody’s Investors Service,
Inc. (“Moody’s”) and the long-term unsecured debt obligations of such entity are rated in one of the two highest
rating categories of Fitch and Moody’s and (2) if the unsecured debt obligations of such entity are rated by Kroll Bond Rating
Agency, Inc. (“KBRA”), then the short-term unsecured debt obligations of such entity are rated in the highest rating
category of KBRA and the long-term unsecured debt obligations of such entity are rated in one of the three highest rating categories
of KBRA. If the ratings no longer satisfy each of these criteria, the funds on deposit therewith in connection with this transaction
shall be transferred to an Eligible Account within 30 days of such downgrade. Eligible Accounts may bear interest.

 

6.           The
definition of “First Remittance Date” in Section 1 is revised to read in its entirety as follows:

 

			“First Remittance Date: February 20, 2013.”

 

7.           A
new definition of “MERS Event” is hereby added to Section 1, to be inserted alphabetically and to read in its entirety
as follows:

 

“MERS Event:
The occurrence of any of the following events:

 

(i)           a
Monthly Payment on a MERS Mortgage Loan has not been received within 60 days of its Due Date;

 

(ii)           a
court of competent jurisdiction in a particular state rules that MERS is not an appropriate, permissible or authorized system for
transferring ownership of Mortgage Loans in that state; or

 

(iii)         
(A) 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 MERS, and such decree or order shall have remained
in force undischarged or unstayed for a period of 60 days; or (B) MERS 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 MERS or of or relating to all or substantially all of its property; or (C) MERS 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.

 

With respect to the
event described in clause (ii), a MERS Event will be deemed to have occurred with respect to all Mortgage Loans in the related
state, and with respect to any of the events described in clause (iii), a MERS Event will be deemed to have occurred with respect
to all of the Mortgage Loans.”

 

    	 

    	 

    

 

8.            The
definition of “Principal Prepayment Period” in Section 1 is revised to read in its entirety as follows:

 

“Principal
Prepayment Period: As to any Remittance Date, the period commencing on the 15th day of the month preceding the month
in which such Remittance Date occurs through the 14th day of the month in which such Remittance Date occurs; provided
that, with respect to the February 2013 Remittance Date, the Principal Prepayment Period shall be the period commencing on January
1, 2013 through February 14, 2013.”

 

9.            The
definition of “Remittance Date” in Section 1 is revised to read in its entirety as follows:

 

“Remittance
Date: The 20th day (or if such 20th day is not a Business Day the first Business Day immediately preceding
such 20th day) of any month, beginning with the First Remittance Date.”

 

10.           A
new definition of “Servicing Administrator” is hereby added to Section 1, to be inserted alphabetically and to read
in its entirety as follows:

 

“Servicing
Administrator: Redwood Residential Acquisition Corporation or its successor in interest.”

 

11.          Owner
Representation Correction

 

			In the first sentence of Subsection 7.02(a), the phrase “federal savings bank” is replaced
by the phrase “Delaware corporation” and the term “United States” is replaced by the term “Delaware”.

 

12.          Subsection
11.01(e), first sentence is revised to read in its entirety as follows:

 

“Consistent with
the terms of this Agreement, and subject to the REMIC Provisions if the Mortgage Loans have been transferred to a REMIC, the Servicer
may waive, modify or vary any term of any Mortgage Loan or consent to the postponement of strict compliance with any such term
or in any manner grant indulgence to any Mortgagor; provided, however, that the Servicer shall not enter into any payment
plan or agreement to modify payments with a Mortgagor lasting more than six (6) months or permit any modification with respect
to any Mortgage Loan that would change the Mortgage Interest Rate, the Lifetime Rate Cap (if applicable), the Initial Rate Cap
(if applicable), the Periodic Rate Cap (if applicable) or the Gross Margin (if applicable), agree to the capitalization of arrearages,
including interest, fees or expenses owed under the Mortgage Loan, make any future advances or extend the final maturity date with
respect to such Mortgage Loan (provided that the Servicer shall in no event extend the final maturity date past February 25, 2043
or, if such 25th day is not a Business Day, the next succeeding Business Day), or accept substitute or additional collateral
or release any collateral for such Mortgage Loan, unless (1) the Mortgagor is in default with respect to the Mortgage Loan, or
such default is, in the judgment of the Servicer, imminent, (2) the modification is in accordance with the customary procedures
of the Servicer, which may change from time to time, or industry-accepted programs, and (3) the Owner has approved such action.”

 

    	 

    	 

    

 

13.          Subsection
11.03, third sentence is revised to read in its entirety as follows:

 

“Mortgage
Loan payments received by the Servicer will be deposited into a clearing account that is insured by the FDIC on the same day of
receipt, unless such payments are received after 4:00 p.m. New York time, in which case such payments will be deposited on the
following Business Day.”

 

14.          Subsection
11.04, first sentence of the first paragraph is revised to read in its entirety as follows:

 

“The
Servicer shall segregate and hold all funds collected and received pursuant to each Mortgage Loan separate and apart from any of
its own funds and general assets and shall establish and maintain one or more Custodial Accounts (collectively, the “Custodial
Account”), titled “Christiana Trust, a division of Wilmington Savings Fund Society, FSB, in trust for the holders of
Sequoia Mortgage Trust 2013-1 Mortgage Pass-Through Certificates.”

 

15.           Subsection
11.04, subclause (f) of the second paragraph is revised to read in its entirety as follows:

 

“(f)          any
amount required to be deposited in the Custodial Account pursuant to Subsections 11.15, 11.17, 11.19 and 11.25.”

 

16.          Notwithstanding
anything to the contrary in the Flow Servicing Agreement, any Custodial Accounts established by the Servicer pursuant to Subsection
11.04 of the Flow Servicing Agreement shall qualify as Eligible Accounts as defined in the Pooling and Servicing Agreement.

 

17.           Paragraphs
(b), (c), (d) and (f) of Subsection 11.05 are revised to read in their entirety as follows:

 

(b)           to
reimburse the Servicing Administrator for P&I Advances, the Servicing Administrator’s right to reimbursement pursuant
to this subclause (b) with respect to any Mortgage Loan being limited to related Liquidation Proceeds, Condemnation Proceeds,
Insurance Proceeds and such other amounts as may be collected by the Servicer from the related Mortgagor or otherwise relating
to the Mortgage Loan, it being understood that, in the case of any such reimbursement, the Servicing Administrator’s right
thereto shall be prior to the rights of the Owner with respect to such Mortgage Loan;

 

    	 

    	 

    

 

(c)           to
reimburse itself or the Servicing Administrator for any unpaid portion of any Servicing Fees and for unreimbursed Servicing Advances
made by the Servicer or the Servicing Administrator, the Servicer’s right to reimburse itself or the Servicing Administrator
pursuant to this subclause (c) with respect to any Mortgage Loan being limited to related Liquidation Proceeds, Condemnation Proceeds,
Insurance Proceeds and such other amounts as may be collected by the Servicer from the related Mortgagor or otherwise relating
to the Mortgage Loan, it being understood that, in the case of any such reimbursement, the rights of the Servicer and Servicing
Administrator thereto shall be prior to the rights of the Owner unless the Servicing Administrator is required to pay the Prepayment
Interest Shortfall pursuant to Subsection 11.15, in which case the Servicing Administrator’s right to such reimbursement
shall be subsequent to the payment to the Owner of such shortfall;

 

(d)           to
reimburse itself or the Servicing Administrator for unreimbursed Servicing Advances, to the extent that such amounts are nonrecoverable
(as certified by the Servicer or the Servicing Administrator, as applicable, to the Owner in an Officer’s Certificate) by
the Servicer or the Servicing Administrator, as applicable, pursuant to subclause (c) above;

 

. . .

 

(f)           to
reimburse the Servicing Administrator for unreimbursed P&I Advances, to the extent that such amounts are nonrecoverable (as
certified by the Servicing Administrator to the Owner in an Officer’s Certificate) by the Servicing Administrator pursuant
to subclause (b) above;

 

18.          Amendments
to Subsection 11.13

 

(a)           Subsection
11.13 is revised by deleting the first sentence and replacing it in its entirety with the following:

 

“Subject to Subsection 11.02,
in the event that title to the Mortgaged Property is acquired in foreclosure or by deed in lieu of foreclosure, the deed or certificate
of sale shall be taken in the name of the trust created by the Pooling and Servicing Agreement, where permitted by applicable law
or regulation and consistent with Customary Servicing Procedures, and otherwise, in the name of the trustee of the Trust or its
nominee.”

 

(b)           Subsection
11.13 is further revised to add the following paragraphs at the end of the section:

 

“The
REO Property must be sold within three years following the end of the calendar year of the date of acquisition if a REMIC election
has been made with respect to the arrangement under which the Mortgage Loans and REO Property are held, unless (i) the Owner shall
have been supplied with an Opinion of Counsel (at the expense of the Servicing Administrator) to the effect that the holding by
the related trust of such Mortgaged Property subsequent to such three-year period (and specifying the period beyond such three-year
period for which the Mortgaged Property may be held) will not result in the imposition of taxes on “prohibited transactions”
of the related trust as defined in Section 860F of the Code, or cause the related REMIC to fail to qualify as a REMIC, in which
case the related trust may continue to hold such Mortgaged Property (subject to any conditions contained in such Opinion of Counsel),
or (ii) the Owner (at the Servicer’s expense) or the Servicer shall have applied for, prior to the expiration of such three-year
period, an extension of such three-year period in the manner contemplated by Section 856(e)(3) of the Code, in which case the three-year
period shall be extended by the applicable period. If a period longer than three years is permitted under the foregoing sentence
and is necessary to sell any REO Property, the Servicer shall report monthly to the Owner as to progress being made in selling
such REO Property.

 

    	 

    	 

    

 

Notwithstanding
any other provision of this Agreement, if a REMIC election has been made, no Mortgaged Property held by a REMIC shall be rented
(or allowed to continue to be rented) or otherwise used for the production of income by or on behalf of the related trust or sold
in such a manner or pursuant to any terms that would (i) cause such Mortgaged Property to fail to qualify at any time as “foreclosure
property” within the meaning of Section 860G(a)(8) of the Code, (ii) subject the related trust to the imposition of any federal
or state income taxes on “net income from foreclosure property” with respect to such Mortgaged Property within the
meaning of Section 860G(c) of the Code, or (iii) cause the sale of such Mortgaged Property to result in the receipt by the related
trust of any income from non-permitted assets as described in Section 860F(a) (2)(B) of the Code, unless the Servicer has agreed
to indemnify and hold harmless the related trust with respect to the imposition of any such taxes.”

 

19.          Servicer
Reports. The Servicer shall provide monthly reports to the Purchaser pursuant to Subsection 11.16 in the formats attached hereto
as Exhibits 4 and 5, or in such other format as the Servicer, the Purchaser and the Depositor shall agree in writing. No later
than two (2) Business Days following the end of each Principal Prepayment Period, the Servicer shall furnish to the Master Servicer
a monthly report in a mutually agreed format containing such information regarding prepayments in full on Mortgage Loans during
the applicable Principal Prepayment Period as the Servicer and the Master Servicer shall mutually agree.

 

20.          Subsection
11.17 is revised to read in its entirety as follows:

 

“Subsection 11.17          Advances
by the Servicer or Servicing Administrator.

 

    	 

    	 

    

 

No later
than two Business Days immediately preceding each related Remittance Date, the Servicer shall either (a) deposit in the Custodial
Account from funds provided by the Servicing Administrator pursuant to Subsection 11.25 an amount equal to the aggregate amount
of all Monthly Payments (with interest adjusted to the Mortgage Loan Remittance Rate) which were due on the Mortgage Loans during
the applicable Due Period and which were delinquent at the close of business on the immediately preceding Determination Date, (b) cause
to be made an appropriate entry in the records of the Custodial Account that amounts held for future distribution have been, as
permitted by this Subsection 11.17, used by the Servicer in discharge of any such P&I Advance or (c) make P&I
Advances in the form of any combination of (a) or (b) aggregating the total amount of advances to be made, subject to Subsection
11.25. Any amounts held for future distribution and so used shall be replaced by the Servicing Administrator by deposit in the
Custodial Account on or before any future Remittance Date if funds in the Custodial Account on such Remittance Date shall be less
than payments to the Owner required to be made on such Remittance Date. The Servicing Administrator’s obligation to make
P&I Advances as to any Mortgage Loan will continue through the last Monthly Payment due prior to the payment in full of a Mortgage
Loan, or through the last related Remittance Date prior to the Remittance Date for the distribution of all other payments or recoveries
(including proceeds under any title, hazard or other insurance policy, or condemnation awards) with respect to a Mortgage Loan;
provided, however, that such obligation shall cease if the Servicing Administrator, in its good faith judgment, determines
that such P&I Advances would not be recoverable pursuant to Subsection 11.05(b). The determination by the Servicing Administrator
that a P&I Advance, if made, would be nonrecoverable, shall be evidenced by an Officer’s Certificate of the Servicing
Administrator delivered to the Owner, which details the reasons for such determination. Neither the Servicing Administrator nor
the Servicer shall have any obligation to advance amounts in respect of shortfalls relating to the Servicemembers Civil Relief
Act and similar state and local laws.

 

21.          The
first sentence of Subsection 11.18 is revised to read in its entirety as follows:

 

“The
Servicer will use its best efforts to enforce any “due-on-sale” provision contained in any Mortgage or Mortgage Note;
provided that, subject to the Owner’s prior approval for the release of liability from the original borrower, the Servicer
shall permit such assumption if so required in accordance with the terms of the Mortgage or the Mortgage Note.”

 

22.          The
Flow Servicing Agreement is modified by adding a new Subsection 11.26 which reads in its entirety as follows:

 

    	 

    	 

    

 

“Subsection 11.26 Compliance
with REMIC Provisions.

 

If a REMIC
election has been made with respect to the arrangement under which the Mortgage Loans and REO Property are held, the Servicer shall
not take any action, cause the 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 (i) endanger the status of the REMIC as a REMIC or (ii) result
in the imposition of a tax upon the REMIC (including but not limited to the tax on “prohibited transactions” as defined
in Section 860F(a)(2) of the Code and the tax on “contribution” to a REMIC set forth in Section 860G(d) of the Code
unless the Servicer has received an Opinion of Counsel (at the expense of the party seeking to take such actions) to the effect
that the contemplated action will not endanger such REMIC status or result in the imposition of any such tax.”

 

23.          The
Flow Servicing Agreement is modified by adding a new subsection 11.27 which reads in its entirety as follows:

 

“Subsection 11.27 MERS
Event.

 

The Servicer
shall prepare and submit an assignment to remove from the MERS System each MERS Mortgage Loan that is subject to a MERS Event within
15 Business Days of the occurrence of such MERS Event. The Servicer shall notify the Master Servicer and Trustee upon the removal
of a MERS Mortgage Loan from the MERS System.”

 

24.          The
first sentence of Subsection 12.01(b) is revised to read in its entirety as follows:

 

The Servicer
shall promptly notify the Owner if a claim is made by a third party with respect to this Agreement or the Mortgage Loans, and the
Servicer shall assume the defense of any such claim and pay all expenses in connection therewith, including counsel fees.

 

25.          Subsection
12.04 is revised to read in its entirety as follows:

 

“Subsection 12.04          Servicer
Not to Resign.

 

The Servicer
shall not assign this Agreement or resign from the obligations and duties hereby imposed on it except by mutual consent of the
Servicer and the Owner or upon the determination that the Servicer’s duties hereunder are no longer permissible under applicable
law and such incapacity cannot be cured by the Servicer. No such resignation of or assignment by the Servicer shall become effective
until a successor has assumed the Servicer’s responsibilities and obligations hereunder in accordance with Subsection 14.02.”

 

26.          Broker’s
Price Opinion. If, in accordance with the Pooling and Servicing Agreement, the Trustee has received notice that any governmental
entity intends to acquire a Mortgage Loan through the exercise of its power of eminent domain, and if there is no longer a Controlling
Holder, the Servicer, promptly upon the request and at the expense of the Trustee, shall obtain a valuation on the related Mortgaged
Property in the form of a broker’s price opinion, and provide the results of such valuation to the Trustee.

 

    	 

    	 

    

 

EXHIBIT 4

 

FORM OF MONTHLY LOSS REPORT

  

Exhibit
: Calculation of Realized Loss/Gain Form 332– Instruction Sheet

NOTE: Do not net or combine items. Show all expenses individually
and all credits as separate line items. Claim packages are due on the remittance report date. Late submissions may result in claims
not being passed until the following month. The Servicer is responsible to remit all funds pending loss approval and /or resolution
of any disputed items. 

 

		(a)	

 

		(b)	The numbers on the 332 form correspond with the numbers
listed below.

 

Liquidation and Acquisition Expenses:

		1.	The Actual Unpaid Principal Balance of the Mortgage Loan. For documentation, an Amortization Schedule from date of default
through liquidation breaking out the net interest and servicing fees advanced is required.

 

		2.	The Total Interest Due less the aggregate amount of servicing fee that would have been earned if
all delinquent payments had been made as agreed. For documentation, an Amortization Schedule from date of default through liquidation
breaking out the net interest and servicing fees advanced is required.

 

		3.	Accrued Servicing Fees based upon the Scheduled Principal Balance of the Mortgage Loan as calculated
on a monthly basis. For documentation, an Amortization Schedule from date of default through liquidation breaking out the net interest
and servicing fees advanced is required.

 

		4-12.	Complete as applicable. Required documentation:

 

* For taxes
and insurance advances – see page 2 of 332 form - breakdown required showing period of coverage, base tax, interest, penalty.
Advances prior to default require evidence of servicer efforts to recover advances.

 

* For escrow
advances - complete payment history (to calculate advances from last positive escrow balance forward)

 

* Other expenses
-  copies of corporate advance history showing all payments

 

* REO repairs
> $1500 require explanation

 

* REO repairs
>$3000 require evidence of at least 2 bids.

 

* Short Sale
or Charge Off require P&L supporting the decision and WFB’s approved Officer Certificate

 

* Unusual or
extraordinary items may require further documentation.

 

		13.	The total of lines 1 through 12.

 

		(c)	Credits:

 

		14-21.	Complete as applicable. Required documentation:

 

    	 

    	 

    

 

* Copy of the
HUD 1 from the REO sale. If a 3rd Party Sale, bid instructions and Escrow Agent / Attorney

 

   Letter of Proceeds
Breakdown.

 

* Copy of EOB
for any MI or gov't guarantee

 

* All other
credits need to be clearly defined on the 332 form

            

		22.	The total of lines 14 through 21.

			

 

		Please
                              Note:	For
                                                          HUD/VA loans, use line (18a) for Part A/Initial proceeds and line (18b)
                                                          for Part B/Supplemental proceeds.

 

Total Realized Loss (or Amount
of Any Gain)

		23.	The total derived from subtracting line
22 from 13. If the amount represents a realized gain, show the amount in parenthesis ( ).

 

    	 

    	 

    

 

	Exhibit 3A: Calculation of Realized Loss/Gain Form 332

 

	Prepared by: __________________	Date: _______________
	Phone: ______________________	Email Address:_____________________

	
        Servicer Loan No.

         
	 	
        Servicer Name

         
	 	
        Servicer Address

         

         

 

	WELLS FARGO BANK, N.A. Loan No.	 

 

	Borrower's Name: 	 
	Property Address: 	 

 

	Liquidation Type: REO Sale	3rd Party Sale	Short Sale	Charge Off

 

	Was this loan granted a Bankruptcy deficiency or cramdown	Yes	No

	If “Yes”, provide deficiency or cramdown amount _________________________________________

 

	Liquidation and Acquisition Expenses:	 	 	 	 	 
	(1)	 	Actual Unpaid Principal Balance of Mortgage Loan	 	$	 	 	(1)
	(2)	 	Interest accrued at Net Rate	 	 	 	 	(2)
	(3)	 	Accrued Servicing Fees	 	 	 	 	(3)
	(4)	 	Attorney's Fees	 	 	 	 	(4)
	(5)	 	Taxes (see page 2)	 	 	 	 	(5)
	(6)	 	Property Maintenance	 	 	 	 	(6)
	(7)	 	MI/Hazard Insurance Premiums (see page 2)	 	 	 	 	(7)
	(8)	 	Utility Expenses	 	 	 	 	(8)
	(9)	 	Appraisal/BPO	 	 	 	 	(9)
	(10)	 	Property Inspections	 	 	 	 	(10)
	(11)	 	FC Costs/Other Legal Expenses	 	 	 	 	(11)
	(12)	 	Other (itemize)	 	 	 	 	(12)
	 	 	Cash for Keys__________________________	 	 	 	 	(12)
	 	 	HOA/Condo Fees_______________________	 	 	 	 	(12)
	 	 	______________________________________	 	 	 	 	(12)
	 	 	 	 	 	 	 	 
	 	 	Total Expenses	 	$	 	 	(13)
	Credits:	 	 	 	 	 
	(14)	 	Escrow Balance	 	$	 	 	(14)
	(15)	 	HIP Refund	 	 	 	 	(15)
	(16)	 	Rental Receipts	 	 	 	 	(16)
	(17)	 	Hazard Loss Proceeds	 	 	 	 	(17)
	(18)	 	Primary Mortgage Insurance / Gov’t Insurance	 	 	 	 	(18a) 
	HUD Part A	 	 	 	 	 
	 	 	 	 	 	 	 	(18b)
	HUD Part B	 	 	 	 	 
	(19)	 	Pool Insurance Proceeds	 	 	 	 	(19)
	(20)	 	Proceeds from Sale of Acquired Property	 	 	 	 	(20)
	(21)	 	Other (itemize)	 	 	 	 	(21)
	 	 	_________________________________________	 	 	 	 	(21)
	 	 	Total Credits	 	$	 	 	(22)
	Total Realized Loss (or Amount of Gain)	 	$	 	 	(23)

    	 

    	 

    

 

Escrow Disbursement Detail

 

	
        Type

        (Tax /Ins.)
	Date Paid	Period of

 Coverage	Total Paid	Base

 Amount	Penalties	Interest
	 	

 	 	 	 	 	 
	 	

 	 	 	 	 	 
	 	

 	 	 	 	 	 
	 	

 	 	 	 	 	 
	 	

 	 	 	 	 	 
	 	

 	 	 	 	 	 
	 	

 	 	 	 	 	 
	 	

 	 	 	 	 	 

 

 

    	 

    	 

    

 

EXHIBIT 5

 

FORM OF DELINQUENCY REPORTING

 

Exhibit
: Standard File Layout – Delinquency Reporting

 

*The column/header names in bold
are the minimum fields Wells Fargo must receive from every Servicer

	Column/Header
    Name	Description	Decimal	Format

    Comment
	SERVICER_LOAN_NBR	A
    unique number assigned to a loan by the Servicer.

    This may be different than the LOAN_NBR	 	 
	 	 	 	 
	LOAN_NBR	A
    unique identifier assigned to each loan by the originator.	 	 
	 	 	 	 
	CLIENT_NBR	Servicer
    Client Number	 	 
	 	 	 	 
	SERV_INVESTOR_NBR	Contains
    a unique number as assigned by an

    external servicer to identify a group of loans in

    their system.	 	 
	 	 	 	 
	BORROWER_FIRST_NAME	First
    Name of the Borrower.	 	 
	 	 	 	 
	BORROWER_LAST_NAME	Last
    name of the borrower.	 	 
	 	 	 	 
	PROP_ADDRESS	Street
    Name and Number of Property	 	 
	 	 	 	 
	PROP_STATE	The
    state where the property located.	 	 
	 	 	 	 
	PROP_ZIP	Zip
    code where the property is located.	 	 
	 	 	 	 
	BORR_NEXT_PAY_DUE_DATE	The
    date that the borrower's next payment is due

    to the servicer at the end of processing cycle, as

    reported by Servicer.	 	MM/DD/YYYY
	 	 	 	 
	LOAN_TYPE	Loan
    Type (i.e. FHA, VA, Conv)	 	 
	 	 	 	 
	BANKRUPTCY_FILED_DATE	The
    date a particular bankruptcy claim was filed.	 	MM/DD/YYYY
	 	 	 	 
	BANKRUPTCY_CHAPTER_CODE	The
    chapter under which the bankruptcy was filed.	 	 
	 	 	 	 
	BANKRUPTCY_CASE_NBR	The
    case number assigned by the court to the bankruptcy filing.	 	 
	 	 	 	 
	POST_PETITION_DUE_DATE	The
    payment due date once the bankruptcy has been approved by the courts	 	MM/DD/YYYY
	 	 	 	 
	BANKRUPTCY_DCHRG_DISM_DATE	The
    Date The Loan Is Removed From Bankruptcy. Either by Dismissal, Discharged and/or a Motion For Relief Was Granted. 	 	MM/DD/YYYY
	 	 	 	 
	LOSS_MIT_APPR_DATE	The
    Date The Loss Mitigation Was Approved By The Servicer	 	MM/DD/YYYY
	 	 	 	 
	LOSS_MIT_TYPE	The
    Type Of Loss Mitigation Approved For A Loan Such As;	 	 
	 	 	 	 

  

    	 

    	 

    

 

	Column/Header
    Name	Description	Decimal	Format

    Comment
	LOSS_MIT_EST_COMP_DATE	The
    Date The Loss Mitigation /Plan Is Scheduled To End/Close	 	MM/DD/YYYY
	 	 	 	 
	LOSS_MIT_ACT_COMP_DATE	The
    Date The Loss Mitigation Is Actually Completed	 	MM/DD/YYYY
	 	 	 	 
	FRCLSR_APPROVED_DATE	The
    date DA Admin sends a letter to the servicer with instructions to begin foreclosure proceedings.	 	MM/DD/YYYY
	 	 	 	 
	ATTORNEY_REFERRAL_DATE	Date
    File Was Referred To Attorney to Pursue Foreclosure	 	MM/DD/YYYY
	 	 	 	 
	FIRST_LEGAL_DATE	Notice
    of 1st legal filed by an Attorney in a Foreclosure Action	 	MM/DD/YYYY
	 	 	 	 
	FRCLSR_SALE_EXPECTED_DATE	The
    date by which a foreclosure sale is expected to occur.	 	MM/DD/YYYY
	 	 	 	 
	FRCLSR_SALE_DATE	The
    actual date of the foreclosure sale.	 	MM/DD/YYYY
	 	 	 	 
	FRCLSR_SALE_AMT	The
    amount a property sold for at the foreclosure sale.	2	No
    commas(,)

    or dollar

    signs ($)
	 	 	 	 
	EVICTION_START_DATE	The
    date the servicer initiates eviction of the borrower.	 	MM/DD/YYYY
	 	 	 	 
	EVICTION_COMPLETED_DATE	The
    date the court revokes legal possession of the property from the borrower.	 	MM/DD/YYYY
	 	 	 	 
	LIST_PRICE	The
    price at which an REO property is marketed.	2	No
    commas(,)

    or dollar

    signs ($)
	 	 	 	 
	LIST_DATE	The
    date an REO property is listed at a particular price.	 	MM/DD/YYYY
	 	 	 	 
	OFFER_AMT	The
    dollar value of an offer for an REO property.	2	No
    commas(,)

    or dollar

    signs ($)
	 	 	 	 
	OFFER_DATE_TIME	The
    date an offer is received by DA Admin or by the Servicer.	 	MM/DD/YYYY
	 	 	 	 
	REO_CLOSING_DATE	The
    date the REO sale of the property is scheduled to close.	 	MM/DD/YYYY
	 	 	 	 
	REO_ACTUAL_CLOSING_DATE	Actual
    Date Of REO Sale	 	MM/DD/YYYY
	 	 	 	 
	OCCUPANT_CODE	Classification
    of how the property is occupied.	 	 
	 	 	 	 
	PROP_CONDITION_CODE	A
    code that indicates the condition of the property.	 	 
	 	 	 	 
	PROP_INSPECTION_DATE	The
    date a property inspection is performed.	 	MM/DD/YYYY
	 	 	 	 
	APPRAISAL_DATE	The
    date the appraisal was done.	 	MM/DD/YYYY
	 	 	 	 

  

    	 

    	 

    

 

	Column/Header
    Name	Description	Decimal	Format

    Comment
	CURR_PROP_VAL	 The
    current "as is" value of the property based on brokers price opinion or appraisal.	2	 
	 	 	 	 
	REPAIRED_PROP_VAL	The
    amount the property would be worth if repairs are completed pursuant to a broker's price opinion or appraisal.	2	 
	 	 	 	 
	If
    applicable:	 	 	 
	 	 	 	 
	DELINQ_STATUS_CODE	FNMA
    Code Describing Status of Loan	 	 
	 	 	 	 
	DELINQ_REASON_CODE	The
    circumstances which caused a borrower to stop paying on a loan. Code indicates the reason why the loan is in default for this
    cycle.	 	 
	 	 	 	 
	MI_CLAIM_FILED_DATE	Date
    Mortgage Insurance Claim Was Filed With Mortgage Insurance Company.	 	MM/DD/YYYY
	 	 	 	 
	MI_CLAIM_AMT	Amount
    of Mortgage Insurance Claim Filed	 	No
    commas(,)

    or dollar

    signs ($)
	 	 	 	 
	MI_CLAIM_PAID_DATE	Date
    Mortgage Insurance Company Disbursed Claim Payment	 	MM/DD/YYYY
	 	 	 	 
	MI_CLAIM_AMT_PAID	Amount
    Mortgage Insurance Company Paid On Claim	2	No
    commas(,)

    or dollar

    signs ($)
	 	 	 	 
	POOL_CLAIM_FILED_DATE	Date
    Claim Was Filed With Pool Insurance Company	 	MM/DD/YYYY
	 	 	 	 
	POOL_CLAIM_AMT	Amount
    of Claim Filed With Pool Insurance Company	2	No
    commas(,)

    or dollar

    signs ($)
	 	 	 	 
	POOL_CLAIM_PAID_DATE	Date
    Claim Was Settled and The Check Was Issued By The Pool Insurer	 	MM/DD/YYYY
	 	 	 	 
	POOL_CLAIM_AMT_PAID	Amount
    Paid On Claim By Pool Insurance Company	2	No
    commas(,)

    or dollar

    signs ($)
	 	 	 	 
	FHA_PART_A_CLAIM_FILED_DATE	 Date
    FHA Part A Claim Was Filed With HUD	 	MM/DD/YYYY
	 	 	 	 
	FHA_PART_A_CLAIM_AMT	 Amount
    of FHA Part A Claim Filed	2	No
    commas(,)

    or dollar

    signs ($)
	 	 	 	 
	FHA_PART_A_CLAIM_PAID_DATE	 Date
    HUD Disbursed Part A Claim Payment	 	MM/DD/YYYY
	 	 	 	 
	FHA_PART_A_CLAIM_PAID_AMT	 Amount
    HUD Paid on Part A Claim	2	No
    commas(,)

    or dollar

    signs ($)
	 	 	 	 
	FHA_PART_B_CLAIM_FILED_DATE	DATE
    FHA Part B Claim Was Filed With
    HUD	 	MM/DD/YYYY
	 	 	 	 
	FHA_PART_B_CLAIM_AMT	  Amount
    of FHA Part B Claim Filed	2	No
    commas(,)

    or dollar

    signs ($)
	 	 	 	 

  

    	 

    	 

    

 

	Column/Header
    Name	Description	Decimal	Format

    Comment
	FHA_PART_B_CLAIM_PAID_DATE	   Date
    HUD Disbursed Part B Claim Payment	 	MM/DD/YYYY
	 	 	 	 
	FHA_PART_B_CLAIM_PAID_AMT	 
    AMOUNT HUD PAID ON PART B CLAIM	2	No
    commas(,)

    or dollar

    signs ($)
	 	 	 	 
	VA_CLAIM_FILED_DATE	 Date
    VA Claim Was Filed With the Veterans Admin	 	MM/DD/YYYY
	 	 	 	 
	VA_CLAIM_PAID_DATE	DATE
    Veterans Admin. Disbursed VA Claim
    Payment	 	MM/DD/YYYY
	 	 	 	 
	VA_CLAIM_PAID_AMT	 
    AMOUNT Veterans Admin. Paid on VA Claim	2	No
    commas(,)

    or dollar

    signs ($)
	 	 	 	 
	MOTION_FOR_RELIEF_DATE	The date the Motion for Relief was filed	10	MM/DD/YYYY  
	 	 	 	 
	FRCLSR_BID_AMT	The foreclosure sale bid amount	11	No commas(,)

    or dollar signs

    ($)  
	 	 	 	 
	FRCLSR_SALE_TYPE	The foreclosure sales results: REO, Third Party,
    Conveyance to HUD/VA	 	 
	 	 	 	 
	REO_PROCEEDS	The net proceeds from the sale of the REO property.
    	 	No commas(,)

    or dollar signs

    ($)  
	 	 	 	 
	BPO_DATE	The date the BPO was done.	 	 
	 	 	 	 
	CURRENT_FICO	The current FICO score	 	 
	 	 	 	 
	HAZARD_CLAIM_FILED_DATE	The date the Hazard Claim was filed with the Hazard
    Insurance Company.	10	MM/DD/YYYY  
	 	 	 	 
	HAZARD_CLAIM_AMT	The amount of the Hazard Insurance Claim filed.	11	No commas(,)

    or dollar signs

    ($)  
	 	 	 	 
	HAZARD_CLAIM_PAID_DATE	The date the Hazard Insurance Company disbursed
    the claim payment.	10	MM/DD/YYYY  
	 	 	 	 
	HAZARD_CLAIM_PAID_AMT	The amount the Hazard Insurance Company paid on
    the claim.	11	No commas(,)

    or dollar signs

    ($)  
	 	 	 	 
	ACTION_CODE	Indicates loan status	 	Number  
	 	 	 	 
	NOD_DATE	 	 	MM/DD/YYYY  
	 	 	 	 
	NOI_DATE	 	 	MM/DD/YYYY  
	 	 	 	 
	ACTUAL_PAYMENT_PLAN_START_DATE	 	 	MM/DD/YYYY  
	 	 	 	 
	ACTUAL_PAYMENT_
    PLAN_END_DATE	 	 	 
	 	 	 	 
	ACTUAL_REO_START_DATE	 	 	MM/DD/YYYY  
	 	 	 	 
	REO_SALES_PRICE	 	 	Number  
	 	 	 	 
	REALIZED_LOSS/GAIN	As defined in the Servicing Agreement	 	Number  
	 	 	 	 

  

	 

 

    	 

    	 

    

 

	Exhibit 2: Standard File
    Codes – Delinquency Reporting

 

The Loss Mit Type field should show the approved
Loss Mitigation Code as follows:

		·	ASUM-Approved
Assumption

		·	BAP-   Borrower
Assistance Program

		·	CO-
     Charge Off

		·	DIL-
    Deed-in-Lieu

		·	FFA-
   Formal Forbearance Agreement

		·	MOD-
 Loan Modification

		·	PRE-
   Pre-Sale

		·	SS-
      Short Sale

		·	MISC- Anything
else approved by the PMI or Pool Insurer

 

NOTE: Wells Fargo Bank will accept alternative
Loss Mitigation Types to those above, provided that they are consistent with industry standards. If Loss Mitigation Types other
than those above are used, the Servicer must supply Wells Fargo Bank with a description of each of the Loss Mitigation Types prior
to sending the file.

 

The Occupant Code field should show the current
status of the property code as follows:

		·	Mortgagor

		·	Tenant

		·	Unknown 

		·	Vacant

 

The Property Condition field should show the last
reported condition of the property as follows:

		·	Damaged

		·	Excellent

		·	Fair

		·	Gone

		·	Good

		·	Poor

		·	Special Hazard

		·	Unknown

 

    	 

    	 

    

 

Exhibit
2: Standard File Codes – Delinquency Reporting, Continued

 

The FNMA Delinquent Reason Code field should show
the Reason for Delinquency as follows:

 

	Delinquency
 Code	Delinquency Description
	001	FNMA-Death of principal mortgagor
	002	FNMA-Illness of principal mortgagor
	003	FNMA-Illness of mortgagor’s family member
	004	FNMA-Death of mortgagor’s family member
	005	FNMA-Marital difficulties
	006	FNMA-Curtailment of income
	007	FNMA-Excessive Obligation
	008	FNMA-Abandonment of property
	009	FNMA-Distant employee transfer
	011	FNMA-Property problem
	012	FNMA-Inability to sell property
	013	FNMA-Inability to rent property
	014	FNMA-Military Service
	015	FNMA-Other
	016	FNMA-Unemployment
	017	FNMA-Business failure
	019	FNMA-Casualty loss
	022	FNMA-Energy environment costs
	023	FNMA-Servicing problems
	026	FNMA-Payment adjustment
	027	FNMA-Payment dispute
	029	FNMA-Transfer of ownership pending
	030	FNMA-Fraud
	031	FNMA-Unable to contact borrower
	INC	FNMA-Incarceration

  

    	 

    	 

    

 

Exhibit
2: Standard File Codes – Delinquency Reporting, Continued

 

The FNMA Delinquent Status Code field should show
the Status of Default as follows:

 

	Status Code	Status Description
	09	Forbearance
	17	Pre-foreclosure Sale Closing Plan Accepted
	24	Government Seizure
	26	Refinance
	27	Assumption
	28	Modification
	29	Charge-Off
	30	Third Party Sale
	31	Probate
	32	Military Indulgence
	43	Foreclosure Started
	44	Deed-in-Lieu Started
	49	Assignment Completed
	61	Second Lien Considerations
	62	Veteran’s Affairs-No Bid
	63	Veteran’s Affairs-Refund
	64	Veteran’s Affairs-Buydown
	65	Chapter 7 Bankruptcy
	66	Chapter 11 Bankruptcy
	67	Chapter 13 Bankruptcy

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00211-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00211-of-00352.parquet"}]]